WELCOME!
LOOKING TO FINANCE THE PURCHASE OF A HOME OR REFINANCE YOUR EXISTING HOME?
DHI Mortgage offers the following methods for you to apply for mortgage financing to purchase a home or refinance your existing home:
- ONLINE - If you wish to submit a loan application online with DHI Mortgage, please review the information provided below and then click “I AGREE” below.
- CALL - You may contact your DHI Mortgage mortgage loan originator (“MLO”) by phone or, if you do not yet have a DHI Mortgage MLO, please contact DHI Mortgage at welcomehome@dhimortgage.com. Our website can be found at www.dhimortgage.com.
- VISIT OUR BRANCH - You may submit a loan application in person at one of our branch offices, the location of which may be found at www.dhimortgage.com.
YOUR ONLINE LOAN APPLICATION PROCESS
As you proceed through this online loan application, you will be asked to provide information to assist DHI Mortgage in processing your loan application. You will be required to provide answers to all applicable questions in this online loan application unless they are marked or are otherwise indicated as being optional.
You will be taken to an online platform maintained by Tidalwave Tech Inc. (“Tidalwave”), a third-party service provider to DHI Mortgage that hosts and provides automated technologies to support the DHI Mortgage online loan application process. Your interaction with the Tidalwave platform will be governed by the online Privacy Policy, U.S. Consumer Privacy Notice, and Terms of Use of DHI Mortgage, which are available in the online loan application process and at dhimortgage.com, and the provisions of the agreement between DHI Mortgage and Tidalwave, including those protecting the personal information you enter in the Tidalwave platform to complete and submit your online loan application. If you do not wish to be taken to a third-party website, please do not proceed with this online loan application. Instead, please contact your DHI Mortgage MLO to submit a loan application in person or by telephone.
Pre-Use Notice of the Use Automated Technologies Including Artificial Intelligence. DHI Mortgage Company, Ltd. uses automated technologies including artificial intelligence in its loan origination process, such as to evaluate your eligibility for its loan products and services, to set the pricing and terms of the loan products and services DHI Mortgage may offer to you, and to power AI chat features to guide you through the loan application process.
Following your submission of this online loan application, DHI Mortgage will send to you a loan estimate (your “Loan Estimate”). A Loan Estimate is a three-page form providing you with important information including the estimated interest rate, monthly payment, and closing costs for your mortgage loan. Following receipt of your Loan Estimate, you will be required to complete additional tasks and provide additional information as instructed by your DHI Mortgage MLO.
While we recommend you submit an online loan application, answering all presented questions including those indicated as optional, you may also submit a loan application by calling or visiting a branch and providing only: your name, your current income, your social security number, the address of the property that will be subject to the mortgage loan (if known), the estimated value of the property you are seeking to purchase (or refinance), the requested amount you wish to borrow, and a consent to permit DHI Mortgage to obtain, use and share consumer reports including a credit report about you and your co-borrower, if applicable (“Required Information”).
If you or your co-borrower chooses to submit a loan application that includes only Required Information, please contact your DHI Mortgage MLO as noted above. After submission of your loan application, DHI Mortgage will send a Loan Estimate to you. Following receipt of a Loan Estimate, your DHI Mortgage MLO will contact you again by telephone to obtain all other necessary information to continue your loan application process.
IMPORTANT INFORMATION TO PROCEED WITH YOUR ONLINE LOAN APPLICATION
Consents
As you proceed through your online loan application, you will be asked to provide certain Consents including those described below. If you do not wish to provide the consents when asked, please contact your DHI Mortgage MLO to submit a loan application in person or by telephone.
Consent To Obtain, Use, and Share Consumer Reports - You will be asked to authorize DHI Mortgage, its agents, and third-party service providers to promptly obtain, use, and share, if necessary, one or more consumer reports including a credit report about you, in connection with your application for a mortgage loan, including for initial credit evaluation, underwriting, closing servicing, quality control, and any lawful secondary market sale, securitization, or transfer of your mortgage loan, or home ownership counseling. DHI Mortgage, its agents, and third-party service providers will promptly obtain, use and share, if necessary, these consumer reports prior to your completion of your online loan application, even if you do not finish or submit your online loan application to DHI Mortgage.
If you do not wish for DHI Mortgage to obtain, use, and share, if necessary, consumer reports including a credit report about you, you should not proceed; you should not click “I Agree” below” and you should contact a DHI Mortgage MLO.
Authorizations and Consents from Your Co-Borrower if You are Completing a Joint Application - If you are completing a joint loan application, DHI Mortgage will require information about your co-borrower. If your co-borrower and you share financial information, we ask you to work together to complete your online loan application. If your co-borrower is unavailable, and you share financial information with your co-borrower, you may complete the joint online loan application only if you obtain advance authorizations and consents from your co-borrower:
- To share your co-borrower’s personal information with DHI Mortgage including, but not limited to, your co-borrower’s cell phone and email address so that DHI Mortgage may contact them at that cell phone and email address.
- To permit DHI Mortgage to use automated technologies including artificial intelligence to evaluate your co-borrower’s eligibility for DHI Mortgage loan products and services, to set the pricing and terms of the loan products and services DHI Mortgage may offer, and to power AI chat features.
- To permit you to authorize and instruct DHI Mortgage, its agents, and third-party service providers to obtain, use, and share, if necessary, consumer reports, including a credit report about your co-borrower in connection with your joint loan application for mortgage credit, including for initial credit evaluation, underwriting, closing, servicing, quality control, and any lawful secondary market sale, securitization, or transfer of our loan, or home ownership counseling prior to the completion of this online joint loan application, even if neither you nor your coborrower finish or submit your online joint loan application to DHI Mortgage.
- To permit you to acknowledge for your co-borrower that any owner of a completed mortgage loan, its servicers, successors and assigns, may verify or re-verify any information contained in your joint loan application or obtain any information or data relating to your completed mortgage loan, for any legitimate purpose, through any source, including a source named in your loan application or a consumer reporting agency.
If you are completing a joint loan application and you either: (a) do not share financial information with your co-borrower; or (b) your co-borrower has not provided to you each of the authorizations and consents set forth above, you must provide contact information for your co-borrower, and your co-borrower will be contacted by email and requested to logon to the DHI Mortgage loan portal to provide their information and consents. You will not share phone numbers and email addresses for your co-borrower unless your co-borrower has authorized you to provide this information to DHI Mortgage.
Consent for DHIM To Verify Your Income and Employment – DHIM Mortgage and this third-party service providers will verify the income and employment information you provide prior to your receipt of your loan estimate. This information will be verified by comparing the information you provide with information your employers provide to various third-party service providers. You will be asked to consent to this process.
Consent for DHI Mortgage To Use and Share My Information to Process My Request – DHI Mortgage uses the personal information you provide in this online loan application to process your loan application request and provide you with related information, to sell your completed mortgage loan on the secondary market and to provide home ownership counseling. DHI Mortgage may share your consumer reports and related personal information with third-party service providers providing services to DHI Mortgage in connection with the processing of your loan application, the secondary market sale of your mortgage loan or the performance of home ownership counseling. If you wish to see a listing of the third-party service providers assisting DHI Mortgage and with whom your consumer reports may be shared, you may contact your DHI Mortgage MLO. Any owner of a completed mortgage loan, its servicers, successors, and assigns, may verify or re-verify any information contained in your loan application or obtain any information or data relating to your completed mortgage loan, for any legitimate purpose, through any source, including a source named in this loan application or a consumer reporting agency.
Delivery of Prescreened Offers to You by Third Parties
When DHI Mortgage obtains your credit report in connection with your mortgage loan application, consumer reporting agencies may, in certain circumstances, provide your information to other parties for the purpose of making a “prescreened” offer of credit or insurance to you (also known as “firm offer”). Federal law limits the circumstances when you can receive prescreened offers because DHI Mortgage obtained your credit report in connection with a mortgage loan application. Such prescreened offers may occur only if: (1) you have provided an authorization to the other party; (2) the other party has originated or is the servicer of your current mortgage loan, or (3) the other party is an insured depository institution or credit union that holds your current account. These limitations apply only to prescreened offers made in connection with a residential mortgage transaction. Other types of prescreened offers of credit or insurance may still be made as permitted by federal law.
If you do not want to receive prescreened offers of credit or insurance you have not initiated, you have the right to opt-out from prescreened offers. To opt-out or to obtain more information, you may visit https://www.optoutprescreen.com/ or call 1-888-567-8688. The opt-out will apply to all types of prescreened offers whether or not the offer is in connection with a residential mortgage transaction. If you opt-out of receiving prescreened offers, you may opt back in at any time using the same website or phone number listed above.
Residents Who Live Outside the United States
If you are not a resident of United States, please do NOT proceed with this online loan application. Please contact us with any questions you have about the availability of our products and services at: DHI Mortgage at welcomehome@dhimortgage.com.
If you do not believe you can agree to the Consents set forth above when asked to consent as you proceed with your online loan application, please do NOT proceed with this online loan application. Instead, please contact your DHI Mortgage MLO or, if you do not yet have a DHI Mortgage MLO, please contact: DHI Mortgage at welcomehome@dhimortgage.com. Our website can be found at www.dhimortgage.com.
COMPANY STATE LICENSES, PRIVACY POLICY, FAIR LENDING, AI NOTICE, NMLS CONSUMER WEBSITE
By clicking, “I Agree” below, you agree you have read this Important Information to Proceed with Your Online Loan Application.