A lender determines its own eligibility requirements and decides whether to make an offer. My Fair Lending does not approve requests, verify qualification or predict a lender's decision. Completing a referral or request form is a step in a process, not confirmation that you qualify.
Before proceeding, ask the lender which documents it needs, which states it serves for the product in question and how it assesses a request. Information about identity, income, credit or existing obligations may be relevant, but the exact requirements vary. Use the lender's current instructions rather than a general checklist as a promise of eligibility.
Understand the credit inquiry involved at each stage. Ask whether a step uses a soft or hard inquiry and how the lender handles credit reporting. Do not assume that an initial eligibility indication means a final decision has been made or that the terms cannot change.
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