Research online reputation: Look for reviews, complaints, or scam reports before applying.
Secure your personal information: Never provide Social Security number or account number to unverified sources. NEVER PROVIDE ONLINE BANKING USERNAME AND PASSWORD TO ANYONE.
Verify lenders: Check registration with your state attorney general, NMLS, or Better Business Bureau.
Avoid unsolicited offers: Only respond to lenders you have contacted directly.
Do not pay upfront fees: Legitimate loans deduct fees from the loan amount, not before approval.
