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Borrowers Sharing Emails

Updated

Description:

The purpose of this article is to assist with understanding nCino Mortgage system behavior around “shared email addresses” between Borrowers, Co-Borrowers, & additional Borrower Pairs.

Overview:

As a rule nCino Mortgage recommends all users utilize different email addresses to alleviate confusion around log-ins, notifications, & task reminders. However, our system technically supports the use of shared email addresses in some cases.

Supported Email Sharing Scenarios:

  1. Primary Borrower shares an email with the Co-Borrower-

    The App User associated with that email should have access to and be able to complete ALL Tasks & Docs required by the Primary Borrower & Co-Borrower

  2. Primary Borrower shares an email with a Title Only Borrower-

    When designated as a TOB (Title Only Borrower), this Borrower technically in a different borrower pair can share an email with the Primary Borrower. This only works if the additional borrower is classified as a Title Only Borrower.

  3. Borrowers within the SAME Borrower pair can share an email.

 

Unsupported Email Sharing Scenarios:

  1. Primary Borrower shares an email with a Borrower as part of a separate Borrower Pair-

    Due to the upcoming changes to Multi-Borrower Support our system will NOT support the ability for an additional Borrower Pair to share the same email address with the Primary Borrower and have their own “Co-Applicant Loan App” & Tasks.

Solution: 

nCino Mortgage makes a distinction between “Loan Borrowers” aka a borrower associated with a specific loan, and “App Users” aka a user who can log in with credentials and may be associated with multiple Loan Borrowers. While Loan Borrowers can share email addresses, App Users CANNOT, as an App User is a single log-in, with unique credentials.

Additional resources:

  1. Settings an Admin should consider:

    1. “Loan Docs Visible between borrowers” (Can only be adjusted by Support)

      • This setting is intended WHEN DISABLED to prevent the Co-Borrower from logging into their Portal and seeing all of the Primary Borrower’s uploaded Documents, and to generally increase the privacy & security when needed.

      • This setting WHEN ENABLED provides the Primary Borrower & Co-Borrower full access to each other’s Documents.

 

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