DISCLAIMER: All mentioned features on this page may not be applicable to your institution, please reach out to (firstname.lastname@example.org) for more information on what features are enabled for your use.
Borrowers who have already begun an application in Blend may occasionally need to start a second application, for example in the case of a borrower that is purchasing a new property while refinancing an existing property. You can now create a second loan application for an existing borrower who's email has already been used in Blend.
Loan Officer Experience:
As the Loan Officer, you can start a new loan on an existing borrower account. To do so, log into your Blend and select 'New Loan' in the upper right corner of your pipeline. Enter the borrower's email address and full name. Here, you'll see the following messaging:
This is not an error message indicating that you cannot create a loan with the existing borrower email address, but is rather just a notification for loan officers to ensure that they are not mistakenly creating duplicate applications.
To continue with creating this loan, ensure that you have entered the correct borrower information and select 'Create'.
Borrower Experience (Self Serve):
Borrowers can start up to 10 applications in Blend, across loan products, without needing their Loan Officer/Banker to start the application for them. This functionality is available for borrowers entering through any path: SSO, Apply Now links, LO-specific invite links.
- Apply Now link with loan type specified: will take the borrower to an existing application of that loan type, if it already exists. Otherwise, it will create a new application for the borrower.
- Apply Now link with no loan type specified: if the customer has multiple loan types enabled, it will take the borrower to a loan chooser screen.
(We cannot share information between applications at the moment)
Borrower starting a new application while logged in to an existing application:
Clicking on “New Application” will take the borrower to a loan chooser screen:
“Start a new application” will ask the borrower to choose from available loan products:
Note: this screen will only show loan products enabled in Blend for that customer.
Borrower with multiple applications will see an option to “Switch Application” instead:
“Switch Application” will take the borrower to the following chooser screen: