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Quontic Bank

title@better.com

Quontic Bank, a Federal Savings Bank, ISAOA
PO Box 461470
San Antonio, TX 78246

Title Team

I, the mortgage broker for the consumers applying for this mortgage loan, affirm that I have obtained the consumer's express consent to conduct a soft credit inquiry for the purpose of mortgage prequalification, rate analysis, or other preliminary financing discussions. This soft credit inquiry is used solely to assess creditworthiness and will not impact the consumer's credit score.

I authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a>, and <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a> and consent to a credit inquiry and income verification. I've also read and acknowledged the <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank">Initial HELOC Disclosure</a> and <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank">What You Should Know About HELOC</a> informational brochure.

I authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a>, <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank">What You Should Know About Home Equity Lines of Credit</a>, <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank">HELOC Early Disclosure Package</a>, and <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a> and consent to a credit inquiry and income verification.

I{{#if $loan.borrowerName}}, {{$loan.borrowerName}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a>, <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a>, <a href="/about-us/affiliated-business" target="_blank">Affiliated Business Arrangement Disclosure</a>, and consent to a credit inquiry and income verification.

I{{#if $loan.borrowerName}}, {{$loan.borrowerName}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a> and <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a> and consent to a credit inquiry and income verification. I've also read and acknowledged the <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank">Initial HELOC Disclosure</a> and <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank">What You Should Know About HELOC</a> informational brochure.

I{{#if $loan.borrowerName}}, {{$loan.borrowerName}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit and to look up ownership of my current loan. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a>, <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank">What You Should Know About Home Equity Lines of Credit</a>, <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank">HELOC Early Disclosure Package</a>, and <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a> and consent to a credit inquiry and income verification.

I{{#if $loan.borrowerName}}, {{$loan.borrowerName}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank">Privacy Policy</a>, <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank">What You Should Know About Home Equity Lines of Credit</a>, <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank">HELOC Early Disclosure Package</a>, and <a href="{{$config.brand.electronicDeliveryConsent}}">Consent to Receive Electronic Loan Documents</a> and consent to a credit inquiry and income verification.

Why we're Better

A quick overview

About Better Mortgage

Why are loan estimates so important

The difference between “fixed rate” and “adjustable”

Loan types and products

What are points and credits?

Why do I need to lock a rate

Better Price Guarantee

I need to get pre-approved

Rates

Locking

Home purchase loan costs

Refinance loan costs

Pre-approval letters

Loan process

Credit scores

Appraisals

Loan servicing



Primary federal regulator: Office of the Comptroller of the Currency (OCC): 1-800-613-6743 • FDIC: 1-877-275-3342 (1-877-ASKFDIC)

As a first step to lock a rate, we need to get a full credit report from all three bureaus for you (this is a requirement for Fannie Mae, Freddie Mac, and other investors).

Questions? We’re here to help. Reach out via phone, text, or email 7 days a week, from 9 am to 9pm EST.

Review and acknowledge your Closing Disclosure

If you have any questions about this document, the final Closing Disclosure, or closing in general, check out our articles.

Review and acknowledge your initial closing disclosure

Business Wire, “Better Breaks Through in Online Purchase Mortgages…

Better Mortgage doesn't believe in charging additional costs like lender fees and loan officer commissions

CFPB, CFPB Finds Percentage of Borrowers with $20K in Student Debt Doubled Over Last Decade

Doing a cash-out refinance may save you money on your student debt. Chat with one of our Loan Consultants to learn more.

We're one of the only lenders that will generate a Loan Estimate automatically without conducting a hard credit pull.

We've canceled your loan application

Re: Thank you for your rate-lock request

This loan is underway!

What is RefiNow?

How much could you save?

What are the next steps?

What is RefiPossible?

You're getting this message because you created an application on Better.com.

These include fees that are controlled by the lender, such as the origination fee which is $0 unless you decide to buy a lower rate, as well as 3rd party services that you can shop for but are required for funding your loan.

If Better retains the servicing of your loan, automatic payments will be turned on.