Everything you need to know

The dashboard is mission control for your loan. The first time you sign in, we offer a quick spotlight tour that highlights the most useful buttons + boxes across every page in your portal — you can replay it any time using the button above, or via the small replay tour link on the dashboard itself.

Three things live on the dashboard:

• Loan status panel — what stage you're in, who's blocking, what's next. The three count tiles ("In progress / Complete / Needs attention") are clickable — tap any to see the actual items in that bucket.
• Stages carousel — short cards for the most relevant items right now (your application, missing documents, conditions to satisfy, pricing once locked, closing disclosure when issued).
• Quick actions — buttons to begin/resume the 1003, message your broker, and jump to documents or rates.

Toggle between "Overview" (greeting + status + at-a-glance cards) and "Stages" (the carousel) with the segmented control at the top of the page. Your last view is remembered.

This is the panel at the top of the dashboard titled "Your loan status." It shows:

• Stage — high-level position (Application Review → Documentation → Underwriting → Approval → Closing → Funded).
• Progress bar — how far along the loan is.
• Primary blocker — the one thing currently holding things up. The colored badge tells you who owes the next move: You, your Broker, the Lender, or a Vendor (appraisal, title, insurance).
• Vendor lanes — six lanes (Credit Report, Appraisal, Title, Homeowners Insurance, Automated Underwriting, Lender Submission) each with its own status, ETA, and owner badge.
• Open requests — anything currently requested from you (or your broker), with how many days it's been open and when it's due.

If you ever see a red "Needs attention" badge, that lane is genuinely stuck and someone (usually your broker) needs to resolve it.

Most lender requests come down to documents. The dashboard's documents area accepts any of these formats:

• PDF (preferred — stable, text-readable)
• JPG / PNG photos of paper docs (we OCR them)
• HEIC iPhone photos (auto-converted)

You don't need to label anything. Our system reads the document, identifies what it is (paystub, W-2, tax return, bank statement, ID, etc.), and routes it to the right slot in your file. If we can't tell what it is, we'll ask you.

Things to remember:

• Bank statements need ALL pages — the lender requires "two months continuous, all pages." Statements with "Page 3 of 5" missing get rejected.
• Paystubs should be the most recent two consecutive pay periods.
• Tax returns need to include all schedules (Schedule A, B, C, E if applicable). The 1040 alone is not enough.

The 1003 (pronounced "ten-oh-three") is the standard mortgage application form every lender uses. It's long. We've broken it into 7 wizard steps so you can save and return:

1. Borrower info — name, contact, marital status
2. Employment & income
3. Assets — bank accounts, retirement, gifts
4. Liabilities — credit cards, loans, child support
5. Real estate — properties you own (if any)
6. Loan & property — what you're financing
7. Declarations — legal questions (bankruptcies, lawsuits, etc.)

Save your progress at any point with the "Save" button — your data is encrypted and only you and your broker can see it. There's also a help chatbot floating on each step that explains the harder questions.

Once your file is complete enough to price, your broker quotes you against multiple wholesale lenders and locks the best rate. You'll see:

• Note rate — what shows up on your loan documents.
• APR — the all-in cost (rate + fees) expressed as a yearly percentage. APR is always slightly higher than the note rate.
• Points — discount points you may have paid up front to buy down the rate.
• Lock period — how many days the rate is guaranteed (typically 30, 45, or 60).
• Estimated monthly payment — principal + interest + (estimated) taxes + insurance.

If the lock is about to expire and you're not closing yet, your broker will extend it (sometimes for a small fee, sometimes free).

Your account is protected by several layers:

• Email OTP — every login from a new device requires a 6-digit code emailed to you.
• Two-factor authentication (2FA) — optional but recommended. Enable in Settings → Security. We support Google Authenticator, Authy, 1Password, etc.
• Security questions — pick 1-3 from a list. We'll occasionally ask one as an extra check on suspicious logins.
• Session binding — if your account is suddenly accessed from a different country or browser, we sign you out and ask you to re-authenticate.

We never store your password in plain text — only a one-way hash. We also never sell your data, full stop.

Settings → Notifications lets you pick exactly what you want emails about and what you want left alone. Available notification types:

• Status changes — when your loan moves to a new stage.
• Document requests — when your broker or lender needs something from you.
• Rate-lock confirmations — receipt when a rate is locked on your file.
• Closing disclosure issuance — alert when your CD is ready for review (required by law at least 3 business days before closing).

Turn off anything you don't want. We recommend leaving status changes and document requests on — those two categories directly involve you.

The fastest path is the "Message broker" button on any loan view. Your broker gets notified instantly. They are a real human — not an AI, not a chatbot. Response time is typically same-day during business hours.

If your broker is unresponsive for more than a business day, email support@verispect.ai and we'll escalate.

I uploaded a document but it's not showing up

Refresh the dashboard. Large PDFs (50+ pages) can take up to a minute to process. If it's still missing after that, the file may have failed our virus scan or been an unsupported format — try re-uploading as a PDF.

I can't sign in — it keeps asking for a code I never get

Check your spam folder. Add noreply@verispect.ai to your contacts. If still missing, click “Resend code” or use the “Forgot password” flow to reset.

My status hasn't changed in days

Check the “Currently waiting on” line in the status panel — that tells you exactly who owes the next move. If it's the lender or a vendor, ETAs are listed. If it's been longer than the listed ETA, message your broker.

I see “Account pending approval” when I sign in

That's only for broker accounts, not borrowers. Borrower accounts are auto-active. If you see this, contact support@verispect.ai — likely a misconfiguration.