I did a two-part BoA one a few years ago, and used my real name (I think that I was actually required to be a customer). The MLO seems to be in the same category as car salesmen - relentless pursuit of a potential customer. I still get emails from the MLO.
I have done some mortgage shops for other MSCs and other clients. In those case, I was told to simply offer a credit score and other information.
I have also seen some where they even provide you with a false identity, specify a credit score to quote, and tell you to have a job with $75,000 (or whatever) annual income and to come up with a local company that makes sense for the scenario. And the same for your imaginary significant other. Sometimes, the MSC provides a SSN that I think is intended to look real, but bounce. At my stage of being youth challenged, it would be odd for not to know my own SSN, and I am not good enough to remember a fake SSN. I have thought about arriving with a piece of paper with all sorts of stuff on it, and just handing it over. I am very good at remembering an alias and phone numbers which I can repeat on demand (for situations where I am not required to report if they contact me later), but it took me awhile to figure out a system for doing that.
@GuyFawkes wrote:
sstazz, how long did your application sit before getting approved by a scheduler? Its based on the successful completion of part one and making your appointment with their MLO. If a shopper is suppose to use a false name won't the MLO get upset their unable to examine your credit score or check financial information? Has anyone successfully performed the two-part Mortgage Shop for Bank of America? I searched and found stage one completed, no reports on stage two. I like Bank of America's Credit Card, their Call Center is operated by people who appreciate your business and treat customers great.
Shopping Southeast Pennsylvania, Delaware above the canal, and South Jersey since 2008