Please see the steps below for instructions on how to use and access the Borrower Portal.
If you have already applied for a Mortgage with us and have your account set up, please use the link below to access the Borrower Portal.
First Time User
There are 2 ways to start your setup within the Borrower Portal
- After clicking Apply Now on the L&N website, the borrower is directed to the Online Application Login Page.
- The borrower(s) will receive and email from the L&N Employee assigned to the loan. This email will contain a link to the Borrower Portal
Once you have accessed the Borrower Portal page, choose Create an Account at the bottom of the page. After you have created your account, you will be taken back to the Login page to enter your credentials.
Requirements:
- Each borrower on the loan MUST have their own account within the Borrower Portal.
- Each borrower MUST create a unique username and password. The username cannot be your email address.
Linking Your Username
Once you have set up an account for each borrower on the loan, you can then use those credentials to log in to the Borrower Portal. You will then need to link your loan to your username. This can be accomplished in one of 2 ways:
- If the loan was completed online, the loan is automatically linked to the username that submitted the application.
- If the loan was not completed online, the borrower(s) will receive and email from the Loan Officer assigned to the loan. These emails may also be asking for the borrower(s) to upload documentation or to sign documents.
Please Note: For online applications with 2 borrowers, the loan will be linked to the borrower that was designated as the account owner before submitting the application. The second borrower will need to link their username to the loan by completing Step 2 above.
Accessing the Borrower Portal
Once the loan has been linked to the username, the borrower portal can be accessed through one of two ways.
- Clicking the link in any email with a task that has been sent from the loan officer.
- From the Mortgages page of the LNFCU website LNFCU website.
The first time you access your loan in the Borrower Portal, the system will ask that you enter your Authorization Code. Unless otherwise noted by your loan officer, you Authorization Code is the last 4 digits of your Social Security Number.
Completing Tasks
Each time your loan officer sends you communication through the Borrower Portal, it appears as a task with a specific link.
The first time you access your loan in the Borrower Portal, the system will ask that you enter your Authorization Code. Unless otherwise noted by your loan officer, your Authorization Code is the last 4 digits of your Social Security Number.
Please ensure you input the Authorization Code associated with the borrower who is logging in. For example, if Borrower 2 accesses the Borrower Portal using the link in the email that was addressed to Borrower 1 and uses Borrower 2’s Authorization Code, the system will return an error.
- The link for Uploading Documents takes you to a different screen with each of the requested documents. The files can either be dragged or selected to upload. If you are accessing the Borrower Portal from a mobile device, a clear picture taken from your device can be uploaded.
Once you are finished uploading the documents you have, select Done at the bottom of the page. The Borrower Portal will ask if all requested documents have been uploaded. If you are still gathering certain documents, select No. Selecting No does not prevent your loan officer from retrieving the documents you’ve already uploaded. It will keep the task listed as Pending until the remaining documents are ready to upload. - If the task is to sign documents, choose the Open Documents link to be taken to eSign your documents.
Once a task is marked as completed, select the back option to take you back to see any other pending tasks. For example, your loan officer may send you a task to upload documents and sign disclosures. Once documents have been uploaded, the task to sign disclosures will be listed as pending.
At any time throughout the loan, you can click to see your Completed tasks. Within the completed task, you can review documents that have been uploaded and loan documents (such as your loan estimate) that you have signed.