Announcement: FormFree introduces the Residual Income Knowledge Index - powering the Guild Mortgage Complete Rate Program Learn more

Why is this revolutionary?

For the first time, people who have paid rent consistently for at least 12 months can have that payment history considered by an automated underwriting system to help them qualify for a mortgage. This update can potentially expand homeownership opportunities to historically marginalized borrowers who have been overlooked by the traditional mortgage and banking system due to limited credit history.