From first question to clear options.

Forma is a TurboTax-style mortgage interview — not a gigantic form. Progress saves automatically. AI helps explain; a licensed MLO is available when you need a human.

1. 1

   Tell us about yourself

   Purpose, property, income, assets, debts, and goals — conversational screens only.

2. 2

   Upload your documents

   Pay stubs, W-2s, statements, and more. No Plaid in V1.

3. 3

   Check your credit

   Estimated first, then soft inquiry with consent. Hard inquiry only with explicit authorization.

4. 4

   Compare lenders

   Wholesale options with transparent fees and ownership-period cost.

5. 5

   Configure your mortgage

   Down payment, term, points, ownership horizon — see tradeoffs instantly.

6. 6

   Close

   Work with your Forma MLO through underwriting and closing.