Does this affect my credit score?

Application and Approvals

Titus performs a soft credit pull during the application process, so there’s no impact on the borrower’s credit score when applying or getting approved. The soft credit pull allows us to view the applicant's credit score to determine an interest rate. We can also see a homeowner's mortgage balance to determine loan to value. 

Loan Default

If a borrower defaults on the loan or fails to repay, Titus may report the delinquency to credit bureaus, which could negatively affect credit.