Member Application Process

• This demonstration reviews the member application process and experience from the online portal

Application Process

• Members can select "apply now" on the main landing page to begin their application
• First-time visitors should click "continue", while returning members should "log in" with their email and password
• Forgotten passwords can be reset through the "forgotten password system"

Creating a Profile

• Base information is required, including name, email address, and a chosen password
• After clicking "create profile," a verification email is sent to the provided email address
• By clicking the secure link the user is directed to the sign-in screen to enter credentials

Purpose Screen

• Upon signing in, members land on the "purpose screen," the first step in completing the application
• A progress tracker on the left indicates completion status
• On the right, a "why is this information important" section explains the reasoning behind each question

Application Questions

• Members must consent to SMS notifications for communication via text messaging
• A custom question asks about the credit union the member is working with, allowing Member First Mortgage to update the lender information
• Members indicate whether they have a signed contract and enter the property address or zip code if still shopping
• Members specify property usage (primary residence, second home, or investment) and property type

Financial Information

• Members must enter estimated purchase price and anticipated down payment
• If an earnest money deposit has been provided, enter the amount
• The system automatically calculates the percentage of down payment and loan amount

Applicant Information

• Members can add a co-applicant or co-borrower
• Members must provide Date of birth, marital status, and citizenship
• Members disclose if they or a deceased spouse ever served in the US armed forces
• Members provide the number of dependents, phone number(s), and email type (with an indicator to show the type)

Address and Employment

• Members must select if Home and mailing address are the same
• Members must indicate the month and year they moved in
• Members indicate employment history for the last two years (or income from Social Security, annuity, or pension, which is collected on the subsequent screen)

Employer Information

• Required fields include employer name, phone number, and start date
• Members state if they're employed by a family member or another party to the transaction
• Members indicate if the employer is primary employment and income is entered

Additional Consents and Information

• Members provide consent to receive documents electronically and to pull their credit report
• Members must provide their social security number

Assets and Real Estate Owned

• Members can declare their assets (checking account, etc.) by selecting "add asset" and providing the required amount
• The system prefills the address the applicant currently owns from their applicant data
• Members must indicate the property type, number of units, and property status (sold, retained, or pending sale)

Declarations and Government Monitoring

• Members answer declaration questions, with explanation boxes appearing if "yes" is selected
• Members complete the government monitoring screen, providing ethnicity, race, and gender information if they choose

Submission and Document Upload

• After completing all sections (100% completion), members click "submit"
• Members who opted in for SMS receive a text message confirmation, along with an email confirmation
• After application, members can upload documents by clicking "upload documents"
• Members can drag and drop files or upload them from their desktop and submit them