Before pulling either a soft credit or a full credit report in Jupiter, each borrower on a loan must provide credit consent. Jupiter makes this process simple by allowing borrowers to sign consent directly in their application portal or through a secure email link. Once signed, a digitally signed, date- and time-stamped PDF is automatically created and attached to the loan.

Click the arrow below to watch a video.
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Video: Shows how a Credit Consent Form is sent to each borrower on a loan, covering both the Loan Officer view in Jupiter and the borrower's view in the Borrower Application Portal.

Each borrower will see the consent displayed as a final step of their application. They are required to agree and check both boxes to continue. Once they agree, they have to click “Give consent” and the digitally signed consent document will be created. It will be dated and timestamped.

Screenshot: Displays a sample Credit Consent Form as it appears to the borrower in the Borrower Application Portal, including consent to conduct business electronically and authorization for the brokerage to pull the borrower's credit.

When you attempt to pull credit for a borrower showing "No credit pull consent", the following message will be displayed.

Screenshot: Displays the Request Client Consent pop-up that appears when attempting to pull credit for a borrower showing No credit pull consent in Jupiter.

Once completed: The consent is digitally signed and a timestamped PDF is created and the loan officer receives a notification confirming the consent has been signed and will be reflected in the application on Jupiter.

Screenshot: Displays the message indicating that credit consent has been obtained from the borrower, with the corresponding timestamp.
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If you require consent for a borrower who is not invited to view the application, they can be invited to grant consent via email by another borrower on the application or by the loan officer.

1. Click "Consent" on the left menu in the application portal. All borrowers will be displayed.

2. Select the borrower and click on "Send email request for consent". A request for consent will be sent to that borrower’s email.

Screenshot: Displays the Sign client consent step of the Borrower Application Portal, showing the Read and sign consent button for the primary borrower and the Send email request for consent link for a co-borrower whose consent is still needed.

3. That borrower will receive an email with a link where they can read and give consent to pull credit without signing into the portal.

Screenshot: Displays the client consent page as it appears to the borrower, including checkboxes for "I agree to conduct business electronically" and "I authorize the brokerage and lender to pull my credit", along with the Give consent button.

You will be notified once the consent has been given and it will reflect in the application on Jupiter.

If you are working inside the loan and consent has not been provided, you can request it directly from the application.

1. Open the loan application
2. Navigate to the "Credit & liabilities" section

3. Locate the borrower without consent
​4. Click on "Capture consent" or "Recapture consent" if the consent is outdated.

Screenshot: Displays the Credit & liabilities section of a loan application in Jupiter, showing the Capture consent link available next to a borrower without credit pull consent on file.

​​5. Confirm the borrower’s email address
​6. Send the consent request

Screenshot: Displays the Request client consent pop-up in Jupiter, showing the borrower's email address field, the Heads up! note about existing signed consent being replaced, the I already have consent from the client link, and the Send consent request and Cancel buttons.
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The borrower will receive an email prompting them to read and sign the consent. No separate e-signing tools or document generation are required.

Below is the email received by the borrower.

Screenshot: Displays the consent request email received by the borrower, including the Read and sign consent button, which links to a secure sign-in-free page for reviewing and signing consent.

The consent email: Clearly states they’ve been added to an application. Includes a secure link to review and sign consent and does not require them to log into the borrower portal This is especially helpful for borrowers who may not be tech-savvy.

Once signed, the loan officer receives a confirmation notification.

After consent is signed, the borrower’s consent status updates in the loan. You’ll see a timestamp confirming when it was signed.
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​You can download the consent PDF from the "Credit & liabilities" section for each borrower and the document can be saved to your secure storage location for compliance and record keeping.

Screenshot: Displays the Credit & liabilities section of a loan application in Jupiter, showing the credit consent status with timestamp and the Consent PDF download link.

The consent status is also displayed on your loan dashboard.

Screenshot: Displays the Loans dashboard in Jupiter, showing the Credit consent column with status indicators, including "Complete," "Partial," and "None," for each loan.

You can re-request consent at any time if needed by following the steps set out above.

The status of the consent for each of your loans will be shown on the loan dashboard.

Screenshot: Displays the Loans dashboard in Jupiter, showing the Credit consent column with the "Partial" status highlighted for a loan where at least one borrower has given consent.

You can also see each borrower’s consent status in the "Credit and liabilities" section of the application.

Screenshot: Displays the Credit & liabilities section of the loan application, showing the borrower's consent status and timestamp under Credit reports, along with the link to download the Consent PDF.

If you have any questions or need assistance, please click the chat button or email support@jupiterlos.com and our team will be happy to help.