Four questions, then a straight answer.
Nothing here is an application and nothing here is a credit check. Tap what applies and it travels with your message, so you are not asked the same things again when you talk to Ramin Hallaji.
Tap whatever applies — none of it is required, and nothing here is a credit check or an application. Whatever you answer travels with your message so you don’t type it twice.
Nothing here is stored on our servers until you send it, and none of it is a credit check. Ramin answers personally, around shift work.
Each answer changes where the file goes.
Base salary is never the problem. Shift premiums, overtime, court time and paid duty are where two lenders reading the same stub arrive at very different numbers — and that difference decides the house you can look at.
Early in service there is less history behind the premium lines, which is exactly when a rushed read drops them. Documented properly, a shorter run can still count.
A spouse's income, a co-signer, or family helping with the down payment each change which lender fits. It is worth saying up front rather than halfway through.
Late payments, a past decline, or support payments from a separation change the order we approach lenders in — not whether the file gets done. Say it early and it costs you nothing.
Or skip ahead.
If you already know what you need, the secure application takes about as long as the questions above.