How fast can VeriLend close a mortgage?

VeriLend averages approximately 18 days to clear-to-close, compared to the industry average of 45+ days, thanks to our Zeltra Core AI pre-underwriting technology.

Does VeriLend offer loans for self-employed borrowers?

Yes. VeriLend offers bank statement and alternative documentation loans specifically designed for self-employed borrowers and business owners.

A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on rental income from the property rather than their personal income.

Does applying with VeriLend affect my credit score?

No. Starting the process with VeriLend does not impact your credit score. A hard pull only occurs when you formally proceed with a full loan application.

Legal

Privacy Policy

Last updated: August 2026

1. Information We Collect

VeriLend collects information you provide directly to us, such as when you create an account, submit a loan application, or contact us for support. This may include your name, email address, phone number, Social Security number, employment information, income, and financial account details.

2. How We Use Your Information

We use the information we collect to process your mortgage application, verify your identity, communicate with you about your loan, comply with legal obligations, and improve our services. We do not sell your personal information to third parties.

3. Information Sharing

We may share your information with credit bureaus, title companies, escrow agents, appraisers, investors, and other parties necessary to process your mortgage. We may also share information with service providers who assist in our operations under strict confidentiality agreements. However, we do not share, sell, or disclose your mobile phone number to any third party for marketing or SMS purposes.

4. Data Security

We implement industry-standard security measures including encryption, secure data storage, and access controls to protect your personal and financial information. However, no method of transmission over the internet is 100% secure.

5. Your Rights

You have the right to access, correct, or request deletion of your personal information. To exercise these rights, please contact us at privacy@verilend.com.

6. Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve user experience and analyze site traffic. You may disable cookies in your browser settings, though some features may not function properly.

7. Contact Us

If you have questions about this Privacy Policy, please contact us at: VeriLend | 11103 West Ave Ste 2101 #144, San Antonio, TX 78213 | Email: privacy@verilend.com | Phone: 855-562-6761

8. SMS / Text Messaging

By checking the SMS consent box on any VeriLend web form, you expressly consent to receive appointment confirmation, reminder, loan status, and informational (non-marketing) SMS text messages from VeriLend Mortgage (LoanXchange LLC DBA VeriLend) at the mobile number you provide. Consent to receive text messages is not a condition of applying for or receiving any loan or service. NO MOBILE INFORMATION WILL BE SHARED WITH THIRD PARTIES OR AFFILIATES FOR MARKETING OR PROMOTIONAL PURPOSES. All text messaging originator opt-in data and consent are never shared, sold, or rented to any third party. Message frequency varies based on your loan application activity and appointment scheduling, and is typically no more than 4 to 6 messages per month. Message and data rates may apply according to your mobile carrier's standard rates. You may opt out at any time by replying STOP to any message; reply HELP for assistance, or contact us at 855-562-6761 or privacy@verilend.com. Carriers are not liable for delayed or undelivered messages.