Application
No cost, no obligation. Credit is a soft pull only — one score per person, no impact. You can stop partway and pick it back up later.
Everything is encrypted, and you can link accounts electronically instead of hunting down paperwork. Credit is a soft pull only.
Begin application →You'll be routed to our secure online application portal, hosted by Canopy Mortgage, LLC. Lesser Lending is a DBA of Canopy Mortgage, LLC. Submitting an application does not constitute approval or a commitment to lend.
Your SSN is for the soft credit pull. Don't have something else handy? Start anyway — we can fill gaps later.
Most lenders hard pull your credit the moment you apply. We don't. The application runs a soft inquiry — one score per person — which is enough to build real numbers and doesn't touch your score.
The hard pull waits until we've looked at your options together and everyone agrees we like what we see. There's no reason to spend an inquiry finding out whether it's worth spending an inquiry.
There's a second reason. A hard mortgage inquiry puts you on credit bureau trigger lists, and other lenders buy those. That's why people get flooded with calls the day after they apply somewhere. A soft pull doesn't do that.
We'd rather understand your cash, your income, your credit, and what you're actually trying to do before you fill anything out. It makes the application shorter and the numbers real instead of theoretical.
If we've already talked, you're in the right place — go ahead and start above. If we haven't, start here.