Tuesday through Thursday, 8 a. We would like to show you a description here but the site won’t allow us. Hello all, for the past year I have built my credit from a 502 to a 707 (Credit Karma Score) using a Wellsfargo Secured Card (300 CL), Credit One Platinum (450 CL), and a Gamestop Retail Card (250 CL). This process allows you to share your screen with an Equifax customer service agent for support purposes. Multiple. 5, 2013 (GLOBE NEWSWIRE) -- Equifax Verification Services, a leading provider of third party employment and income verifications, today. The problem is I’ve made basically no money the past 2-3 years but this year my income is significantly higher. Visit the Equifax Consumer Services Center. How It Works Overview. This means mortgage lenders will need to have borrowers sign Form 4506-C to give permission for obtaining their tax transcripts. Automate and streamline workflows to increase. Additional verification services on identity, income, and collateral sold separately from our DRIVE platform. The Form 4506-C: IVES Request for Transcript of Tax (Wells Fargo). Our identity validation service helps give you assurance early in the credit cycle. Solutions. Key Benefits. Visit Our Education Centre. The Work Number/Equifax: An automated service that provides controlled access to a national database of almost 40 million employment and income records. I then receieved the subsequent email from Equifax with a link to the filled out 4506 form including SS number for me to sign. Equifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. Pricing Contact Manage My Employment Data; Support for Verifiers; Search. Optimization the mortgage verification process. RECITALS: A. 7 . Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. Home. I C E. . com. Pre-Employment Verifications. Give a more holistic view of an applicant with integrated verifications through your existing LOS or POS. Solutions. signed 4506-T forms. This service is offered at no additional cost to your organization. We provide simple but essential verification solutions to securely, reliably and promptly retrieve information (with opt-in. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax My Tax Form. Log in now. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application. Identity & Fraud. 10-2022) Form . RECITALS:wrote: wrote: wrote: 4506-C is for identity purposes not income verification. Line 2b: Enter your spouse’s Social Security number, if you filed a joint return. I called discover before signing to see what this is about, and was told it is strictly to verify personal details, such as address and basically identity things. execute Form 4506 on behalf of the taxpayer. I forgot to ask that question when I called. 2021-06-04) MASTER CONTRACT NO. Organizations needing to confirm your employment and income information can request and receive a verification of your data through The Work Number database. The 4506 - T form says: “The IRS. 148M The Work Number service fulfilled 148 million verification requests on behalf of consumers in 2022. Only new orders submitted in ICE Mortgage Technology Equifax Verification Services (API Version) will be fulfilledHow It Works. When tax return transcripts must be requested from the IRS Fannie Mae’s requirements for obtaining a signed Form 4506-C from the borrower at or before closing, and submitting the signed Form 4506-C to the IRS to obtain tax return transcripts in post-closing QC, have some exceptions. , St. 1x IRS Income (4506-C) Mortgage Duo 2 co-borrowers 1x Verification of Income 1x Additional VOI OR VOE (Active AND/OR Inactive) All Employers Within 12, 24, 36 or 60 Months 1x Verification of Income OR 1x Verification of Employment (Active AND/OR Inactive Records ≤ 12, 24, 36 or 60 mos) Mortgage Complete Duo 2 co-borrowers 1x. Mail in forms to complete some services. user-level and can be managed via Password ManagerHere’s how to get started: Step 1 - Contact Equifax Sales Team. The Work Number can provide quick and accurate employment and wage information. Verify employment application data fast. Identity restoration. Contact us at 800-258-3488 or online to learn more about our high. Equifax will then send username and password credentials via secure email. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application. Truework Verification of Employment and Income – 833-878-3967. Re: DISCOVER Form 4506-T/4506-C. Here you can access Equifax's APIs, documentation, tools and resources to build innovative applications and integrations. K e y B e n e f i t s. Employees also. House. Catalog Number 72627P Form . Received an email from Disco asking me to sign consent for IRS 4506-C form. December 14, 2021. Equifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. For technical support, contact the e-Services Help Desk at 866-255-0654. For more information about Form 4506-C. or Employment & Income Letter from. A strategic ideation experience where Equifax and its customers collaborate to solve complicated business challenges using advanced data and analytics. You may already know that there are multiple ways you can get a free credit report. Equifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. The 4506-C form provides the lender with transcripts that verify with the IRS the income verification forms provided by the borrower align with the IRS. Kansas City RAIVS Team. Existing Customer? Get Help. So far as I know the IRS stopped doing the T a while ago. Multi-data Assets at Scale. The taxpayer must only sign and date once the Form 4506-C is completely filled out, which would include Line 5a information. Increase Visibility for Planning & Forecasting. This topic contains. On the application I indicated 53k income (I personally earn more), transcript for last 2 years tax returned filed is north of 100k. 866-662-3339 is not an Equifax number nor is associated with any of its authorized verification services At a minimum, they are phishing for business listing information to sell, since they want an e-mail address for “someone authorized to complete the. Welcome to Eport cloud. Agents are available Monday through Friday from 7am to 7pm CT. If you do not see your employer through the search below and would like to request your Employment Data Report (EDR), please do so through one of the other available channels. Although lenders. Complement the CMS Verify Current. Solutions. 670. 7 Things to Know About Fraud Alerts | Equifax® Fraud alerts are free. 1, the Internal Revenue Service implemented an automated process for accepting 4506-C transcript request forms. A web-based property management service for easy tenant and resident prescreening. The IRS had initially set a deadline of March 1, 2022 to conform to their new 4506-C clean form requirements, but they’ve recently extended the cutoff date to October 1, 2022. or call toll free at 1-888-5-OPT OUT (or 1-888-567-8688). Fannie Mae requires lenders to have each borrower whose income (regardless of income source) is used to qualify for the loan to complete and sign a separate IRS Form 4506-C at or before closing. A flexible solution built with your. Solutions View All Solutions. 27, 2022 /PRNewswire/ -- Equifax (NYSE: EFX) announced that The Work Number Ⓡ offers instant employment and income verifications service by leveraging the latest Encompass Partner Connect API platform with Encompass. Friday, 7:30 a. EQUIFAX. a n d em p l oy m en t d a ta. The new IRS form 4506-C will not be accepted until December 1, 2022, and will not be mandatory until March 1, 2023. Completing the CMS Verify Current Income service. For more information about Form 4506-C. 4. . You can get free Equifax credit reports at annualcreditreport. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application. Phone number of taxpayer on line 1a or 2a SignatureMASTER CONTRACT NO. When I open it, it's really a form 4506-T, which is - 6239454 - 2. Get Help . Unit-C Nanaimo, BC V9T 2K5 Canada 250-758-5557: Leakey & Lewicki Ltd. Select the reason, then enter the verification reference number and the last four digits of the applicant’s Social Security number. I'm curious if they will still send the card. On Oct. so, my background is a commercial credit approver. The 4506 - T form says: “The IRS. Either access the TALX website or phone number (1-800-367-5690; Option #3) HHS Employer Code: 14775. The tools listed below help property managers, rental applicants, borrowers, and lenders save time and get the results that they want. Education Verification. The worst part is it seems they have a tendency to close accounts without any disclosure, even if you send them the form. The Equifax Cloud helps our customers innovate faster, create more effective insights, take smarter actions, and ultimately deliver better outcomes at scale. Incentivized. Encompass users now have direct access to Equifax eSignature technology. Affordable Care Act (ACA) Total Income. m. Credit Technologies is now a DU Early Assessment Program vendor . Verified income and employment data leads to better-performing loans. don't know how I feel giving Equifax permission to access my Tax records didn't they just have a huge data breach. Equifax Information Services LLC, its partners Mitek Systems,. . . The document gives. Encompass users now have direct access to Equifax eSignature technology. Employment Letter. As an industry pioneer in automated 4506-T processing and the leading provider of tax transcript fulfillment nationally, Equifax has championed the. Learn more on Workforce. I applied last week for a DIscover miles card and was approved. “In: 4506-C . Verification of Employment for Government. Your Equifax credit score 2 is updated daily. I'm curious if they will still send the card. Understand my Equifax credit report and score Help protect myself from identity theft Prepare to make a large purchase Get a free copy of my Equifax credit report Place or manage a freeze on my Equifax credit report. Solutions. VERIFICATION SOLUTIONS DESIGNED TO SUIT YOUR NEEDS. Equifax's Verifications Services is fully prepared to begin processing eSign'ed 4506-T forms on behalf of its clients as soon as the IRS service is live on January 7, 2013. Information for employees who have left federal service is available at the NARA. If you fail to complete the Equifax verification service when requested to do so Discover Financial Services will result in account closure. Help detect fraud faster with alerts of new credit inquiries and accounts on your Equifax credit report. Discover requesting 4506-T. 258. Pre-Employment Verifications. Your lender may ask you to provide the tax return information, and you have to send the form to the IRS. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application. C. 95 / month. be done quickly. ”. Verify applicants’ employment instantly. Get Help . Help credentialed verifiers instantly get the information they need so that employees can receive credit, benefit, and other decisions faster. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aJust click below for easy access to our many educational tools including brochures, flyers, white papers, videos, webinar recordings, etc. Additional Service Offerings. In the Shared data section, select the pencil and. Select which employment records to order each time you do a verification by selecting from various pay date range options or purchase all records available. and easily. I was approved for a $6500 SL now I'm received this request. The IRS Form 4506-C is a form that can be utilized by authorized IRS Income Verification Express Service (IVES) participants to order tax transcripts electronically with the consent of the taxpayer. TALX access options. m. signed 4506-T forms. Auto. 2. Equifax Workforce Solutions is a great tool to help with HR, payroll, tax management, and compliance needs of employers everywhere. Equifax's Verifications Services is fully. And yes, if you don’t complete the step, you’ll be declined. signed 4506-T forms. Can multiple transcripts be ordered on the same 4506-C. 25, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced the launch of Talent Report™ Employment Staffing, the first and only pre-employment verification service designed specifically to. b. ®EVS operates The Work Number (“TWN”), a service used to verify employment and income information about an individualSince the beginning, CoreLogic has been driven by a single purpose—to innovate and create solutions that solve our clients’ toughest challenges in the housing market. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. "Verifications from The Work. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax/Credco. For a lender submitting 20,000 4506-T forms, Equifax returned 1,500 forms for correction, helping the lender: SAVE $6,000 in IRS re-submission fees* CUT ADDITIONAL COSTS And reports suggest it is a Discover issue, just google "Discover IRS 4506" and there's plenty posts on reddit and elsewhere. When I open it, it's really a form 4506-T, which is normally a tax transcript from IRS for income verification. 1, the Internal Revenue Service implemented an automated process for accepting 4506-C transcript request forms. I n sta n t a cc ess to cu r r en t i n c om e. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. The form may also be used to provide detailed information on your tax return to the third party if you need it. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. The Work Number database from Equifax offers automated income and employment verifications when employees need it—no matter what day or what time. Encompass users now have direct access to Equifax eSignature technology. A 4506-C is used through an authorized third party participant in the IRS Income Verification Express Service (IVES). DISCOVER FORM 4506-T??? I was approved for the Secured Discover and i put $500 down for it, they got the money and opened the account, havent received card yet even though sais it on the way. m. Equifax Information Services LLC P. The Work Number ID. The Broker Network can help streamline your brokers’ 4506-T ordering process, while giving you, the lender, the. 4506-C (October 2022) Department of the Treasury - Internal Revenue Service. The employment and income records on The Work Number database are provided by more than 2. And yes, if you don’t complete the step, you’ll be declined. FTC's website on credit. As an authorized reseller of Equifax Verification Services, Credit Technologies can deliver VOE and VOI. 1099 Payments made to an individual or company for services provided x K-1 Schedule Payments made to an individual from certain trusts, partnerships or other business entities x IRS Transcripts – Business (Corporations; Partnerships; Non-Profit; Other) 940* Employer's annual federal unemployment (FUTA) tax return xATLANTA, Dec. Become a. Equifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. 5, 2013 (GLOBE NEWSWIRE) -- Equifax Verification Services, a leading provider of third party employment and income verifications, today announced that through its expanded integration with Ellie Mae's Encompass® mortgage management solution. We're here to help. com for more information on requesting verifications. Agents are available Monday through Friday from 7am to 7pm CT. Louis, MO 63146 axl49EVS. Improved Speed and Performance. Like maybe that's the delay between approval/requesting. Lender-level credentials will be created for access to the new Equifax Verification Services (API Version). Income and employment verifications within seconds. This means mortgage lenders will need to have borrowers sign Form 4506-C to give permission for obtaining their tax transcripts. Session Expired For security reasons your session has been terminated. Fannie Mae requires lenders to have each borrower whose income (regardless of income source) is used to qualify for the loan to complete and sign a separate IRS Form 4506-C at or. Property Settlement Services; SSN Verification; Software/Integration Solutions/API; Tenant Screening; PreQual Credit Report; Background Checks; Motor Vehicle Records; First and Last Name *4506-c Discover. Further deteriorations in economic conditions or. Verification of Employment for Government. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. Received an email from Disco asking me to sign consent for IRS 4506-C form. The December Selling Guide update will include. Complement and CMS Examine Latest Income service. Who is DataVerify? We are a national company based in St. Social Security Number verification made easy. On March 1, 2023, only the new form version will be accepted. Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. Equifax 4506-T eSignature Solution Now. Income and Employment Verification. Total CL - $567,100. Equifax lists its “workplace solutions” providers who do income verification. Learn more on Workforce. About 8 or 9 days have passed by and I get an email one morning with Equifax Verification Services at the top asking me to put my signature on an IRS. Equifax Verification Services Publicly held; standards-based Fannie Mae 1003 certified FCRA best practices SAS 70 Compliant ISO 27001 Certified Only 322 companies in the US have this certification! Secure client confidential information Results validated Over 70,000 organizations use Equifax Verification ServicesAs consumers c ontinue to change devices, social media accounts or other extensions of their identity, verification solutions must evolve too. Pr om ote p r og r a m i. 7993. I was approved for the Secured Discover and i put $500 down for it, they got the money and opened the account, havent received card yet even though sais it on the way. Close. The IRS 4506 is an IRS form used to request a copy of your tax transcripts from the IRS. Mail Equifax Information Services LLC P. ICI enables data-driven determinations for benefit eligibility with:4506-T Tax Transcripts. If I have never filed any taxes, what would happen? would my account be closed? I’ve been with discover since 2019 and never missed any payments and my credit utilization rate is less than 10% with them. 1 You can also receive free Equifax credit reports with a myEquifax account. DocMagic Inc. Connect with us to find out more about the products and services that are the best fit for your business needs. Manage My Employments Information Support for Verifiers . Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Good evening folks, Today I received a 4506 C from discover to sign an irs form to verify information. 3488 x 1274. If they choose to call Equifax to have it stopped, they should ask them how long it will take for the dispute to be. The expected result is a significantly faster income verification process. Find how to review a request and authorize or reject it. The Work Number ID. It’s part of the income verification step required for some applicants. IVES faxing for participants. Out: 4506-T. Whether you need to verify identities, assess credit risks, prevent fraud or enhance customer experiences, you can. NFCU Cashrewards $20,500 ~ NFCU LOC $15,000 ~ Chase Southwest $9,800 ~ Discover IT $500 ~ Hilton Honor Amex $1,000. Verification Services revenue was $398. The Equifax team will complete and submit the appropriate forms. Mortgage lenders now require a borrower to sign a 4506 to get a loan. Additional Resources. It must be filled by the taxpayer and sent to the IRS. 4506-C Income Verification Features & Benefits: Accelerated Processing Time: Veri-Tax audits 100% of orders at multiple check-points, reducing IRS rejections by 29%. ET. 4506-C Income Verification Features & Benefits: Accelerated Processing Time: Veri-Tax audits 100% of orders at multiple check-points, reducing IRS rejections by 29%. Discover 4506 C form email. Additional verification services on identity, income, and collateral sold separately from our DRIVE platform. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is asigned 4506-T forms. Search. signed 4506-T forms. Equifax Verification Services supports PGP file encryption. Louis, MO 63146 888-749-4411 axl49EVS Taxpayer’s SSN. Discover 4506-C . I currently have a Disocver IT card (cash back). Xactus is the leading verification innovator for the mortgage industry. 0451 for all e-signed 4506-C forms. 9 million employers nationwide who contribute to The Work Number database. Under the Fair Credit Recording Act (FCRA), a verifier requesting an employee’s employment and/or income information must show they have a legally required, permissible purpose for accessing the data. Equifax IRS income verification service is an efficient, cost-effective way to retrieve all tax transcript forms -- 1040s to 1099s, W-2s, state income reports, and business incomeSimplify the IRS income verification process through The Work Number into retrieves all burden transcript forms and business income burden returning. As to manage risk, some issuers request income verification, and if you search this sub you’ll see others with similar experiences and/or people that received requests to submit the IRS 4506-T/C tax forms. Non-profit Organization Management Company, 11-50 employees. 4 acre lot with 4 bedrooms and 4 bathrooms. Pre-Employment Verifications. Box 740123. So this will not show income. OMB Number 1545-1872. Completing the CMS Checking Electricity Income service. Solutions View Choose Solutions. Verify Income & Employment History Verify Eligibility for Government Programs Verify Education History. Equifax. For questions about the IVES program, email. Complete the form. They are also requesting the following: Bring the following documents to the notary: °Government issued photo ID, Passport, or Visa °Most recent 3 months of bank. What Lenders Need to Know About the New IRS 4506-C Form Process. . The Business Verification Solution is an online offering designed to help onboard new business accounts or vendors quickly. 1-888-Equifax (1-888-378-4329) Our call center hours are: 9:00 am to 9:00 pm (ET), Monday through Friday, and 9:00 am to 6:00 pm (ET), Saturday and Sunday. signed 4506-T forms. Discover Card requesting Income Verification Form (IRS consent form 4506-C) what happens next? I recently submitted an Income Verification Form 4506-C that Discover requested after one(1) 3-day late payment on my account which is now over 2 years old but has a high utilization rate ($5900 of my $6000 limit). . Sessions are terminated to help protect the privacy and security of your data. Effective March 1, 2021, only the new IRS Form 4506-C will be accepted through the Income Verification Express Service (IVES) to provide tax transcripts to third parties. Please direct them to theworknumber. This service helps eliminate manual HR tasks forAn entity (such as a lender, employer, or government agency) that requests an employee’s information is called a “verifier. The Work Number. signed 4506-T forms. Equifax's Verifications Services is fully prepared to begin processing eSign'ed 4506-T forms on behalf of its clients as soon as the IRS service is live on January 7, 2013. My experience. EQUIFAX. Tax Transcripts 4506-C IRS Tax Transcripts and income verification. Have confidence in the legitimacy of consumer identity with effective verification. . How do I get a. Get your credit report and Equifax credit score plus identity protection tools with daily monitoring and alerts today!. Services available now or coming soon within PeopleHQ. Jump ahead to a specific section: Real Time Insights and Decisions. m. Reviews from Equifax Verification Services employees about Equifax Verification Services culture, salaries, benefits, work-life balance, management, job security, and more. 5, 2013 (GLOBE NEWSWIRE) -- Equifax Verification Services, a leading provider of third party employment and income verifications, today announced that through its expanded integration with Ellie Mae's Encompass® mortgage management solution. That’s good news for lenders, but the new process does come with. has announced that Equifax has approved the company as an eSign provider for electronic IRS 4506-T requests from its clients. 3488 Monday through Friday from 8 a. Access helpful services and useful information to help you take control of your credit report, and better protect yourself from. That means businesses must recognize the liquid nature of consumer. Credit report locks are mobile app-enabled and allow you to lock and unlock your Equifax credit report using identity verification techniques such as usernames and passwords. about obtaining a signed Form 4506-C from the borrower. signed 4506-T forms. SSN Verification Services. Use The Work Number® to verify the employment and income information in real time to provide clients the right government assistance in their time of need. to help fight fraud on lower dollar credit requests, where financial info was not a requirement, i would randomly have the customer execute a 4506t, now a c form, which authorizes a 3rd party to see a transcript of your tex return. Company certifies that it will order Data from the Service only when Company intends to use the Data (i) inAnd Xactus is an Authorized Report Supplier of eligible verification reports for the Desktop Underwriter® (DU®) validation service and supports Day 1 Certainty® from Fannie Mae. . complete the verification on your behalf. The Work Number. consumer debt and employment and the demand for Equifax's products and services. 10-2022) Form . Not Sure Where or How to Log In? For individuals looking to access their employment and income data, help is available by calling 1-800-996-7566 from Monday - Friday, 7:00 AM - 8:00 PM CDT (excluding holidays). 10-2022) Form . Step 2: Fax the completed Form 4506-C to your assigned RAIVS unit. 1. Equifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. *. Reason for Cancels & IRS Rejections. Discover randomly targets everyone from old accounts to newly made secured card holders. Saving you the time and expense of having to resubmit. View All Verification . Both form versions will be processed through February 28. Philadelphia 76ers Premier League UFC Television The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John. Request may be rejected if the form is incomplete or illegible. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is aEquifax Announces Enhancements in Anticipation of E-Signatures in Data , Government , Origination , Secondary Market , Servicing , Technology November 15, 2012 1,127 ViewsEquifax Workforce Solutions maintains the most comprehensive database of employment and income information in the nation and provides employment and income verifications to lenders through its Equifax Verification Services suite of products. Equifax Verification Services is the trusted partner selected to assist with this portion of the verification process. Upon clicking the link, you will be prompted to enter a Password. Contact Equifax Consumer Affairs (800-203-7843) and request that the investigation be stopped and the dispute verbiage removed. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application. Contracts with TALX Corporation for income verification services require an upfront customer commitment to a minimum annual number of verifications. Updates . NCS | Frequently Asked Questions IRS Form 4506-C | Effective January 1, 2022 rev 11/07/2021 Rev 11-08-2021 Acceptable – 4506-C Form: Not Acceptable – 4506-C Form: Can a 1040 product and a wage and income product be ordered on the same form? Yes, with exceptions. This will accelerate the lending process and remove one of the final barriers to a truly paperless mortgage application.