CJ Group’s Vice Chairman Miky Lee will be inducted to the Asian Hall of Fame Class of 2026, and set to receive the Centennial Medal of Lifetime Achievement next week.
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The 3 Routes Of Experience
When you discover you have a skill gap, you have three routes to gain experience: through education, with the guidance of peers, or through hands-on learning.
What Does the Mortgage Application Process Really Look Like?
Key Takeaways
Mortgage applications move from a soft credit check to prequalification, preapproval, underwriting, appraisal and closing; most borrowers apply online.
Online applications take 10 to 15 minutes to complete; tools such as bank linking and automatic document pulls vary by lender.
Missing paperwork is the top hurdle, per Veterans United’s Katie Rose; have pay stubs, W-2s, two years of tax returns and bank statements ready.
For many homebuyers, applying for a mortgage can feel daunting, especially if it’s your first loan. But the application process has become much easier than the days of making copies and hauling boxes of documents.
Although you’ll still need to provide plenty of paperwork, from income verification to credit reports, most loan applications can be completed online in minutes, especially with an experienced lender to guide you through every step.
Not every mortgage is the same, though, nor is every mortgage application. Here’s what to expect when you apply for a mortgage, and how it can differ from lender to lender (or even loan to loan).
How the mortgage application process works
The conventional mortgage application process is usually pretty straightforward. You start by clicking an apply button, submitting a lead, and providing basic information: whether you want a purchase or refinance loan, your name, location, Social Security number, and income.
Using that information, the lender will run a soft credit check and prequalify you for a loan amount based on that preliminary information. Somewhere along this timeline (it varies by lender), you’ll be asked to create an account on the lender’s loan portal. On this secure site, you can upload all required documents if you decide to continue with the application.
At this point, you’ll need to provide all required documentation, including your most recent pay stubs, W-2s, tax returns for the last two years, and bank statements. Your lender will provide a full list of the documents you’ll need to complete your application.
Once you’ve submitted all the paperwork, the lender reviews it and can issue a preapproval letter, which provides a more accurate estimate of how much you can borrow than a prequalification.
An underwriter will then verify all the information you’ve provided and ensure your application meets all the loan requirements. If it does, the lender will usually send an appraiser to assess the home’s value, then move the loan to closing. This is when you finalize the loan documents and pay any closing costs.
That process can get more complicated with a government-backed loan like an FHA loan, and even more so with a specialized loan like a VA mortgage, which has additional service and documentation requirements. It can become even more complicated for borrowers stationed overseas or being assigned to new duty stations.
Fortunately, most lenders let you complete your mortgage application online, which is the most popular option among today’s borrowers, according to Katie Rose, NMLS 860643, a senior loan officer with Veterans United.
“Most people like to do [the application] online because they don’t have to leave their house or they’re active duty and it’s difficult to go into a facility,” Rose says.
How applications vary across lenders
A mortgage application does two things: verify who you (and your co-borrower) are and ensure you can cover your mortgage payment for the foreseeable future.
That means every application will ask for information about your job, income, assets, debts and credit. It will also need info about the price range you’re shopping in (or the property you’re eyeing, if you’ve already found one) and your personal details, like name, Social Security Number and contact info.
That doesn’t mean every application is the same, though. As Rose explains, the information collected stays pretty much the same from lender to lender; the difference comes down to the tools built into the application.
“Some tools can link bank accounts and pull statements automatically, or upload documents right from your phone, so you’re not chasing down paperwork on your own,” Rose says. “Specialized lenders can often go a step further too. For military borrowers, that might mean verifying service-related eligibility automatically instead of tracking down paperwork yourself.”
Money reviewed the loan application processes of four national lenders: loanDepot, Veterans United Home Loans, Churchill Mortgage and Georgia’s Own Credit Union. This is how their applications work:
loanDepot
The loanDepot application is a streamlined seven-step process that requires personal info, property details, financial assets, and other basics found in other loan apps. It also includes secure bank linking, allowing the lender to automatically pull bank and asset statements instead of requiring the borrower to scan and upload them manually.
Its conclusion is the most notable part of loanDepot’s application process. Instead of simply entering your information and hitting submit, at the end of the application, borrowers are given a grid of “loan offers.” These detail the loans, terms, monthly payments, and interest rates loanDepot is offering you based on the details you just input. You can then choose the loan that works best for you.
For veteran and military applicants, loanDepot also asks some additional questions regarding military service and can pull their COE directly from the VA.
Veterans United
Veterans United is a mortgage lender specializing in VA loans, mortgages backed by the U.S. Department of Veterans Affairs. As such, it’s no surprise that its mortgage application process has a military slant.
Veterans United has developed an application that simplifies and accelerates the process. You’ll provide information about your pay, grade, years of service, branch, Permanent Change of Station (PCS) orders, and Expiration Term of Service (ETS) dates.
However, automation is what makes the application and review process stand out. You can link your myPay account directly to the Veterans United myVU app, letting them access your Leave and Earnings Statement and bank statements in minutes instead of waiting for you to upload them. The lender will also instantly pull the applicant’s Certificate of Eligibility (COE) directly from the VA, a process that can take a non-VA lender several days.
Once you submit an application, a Veterans United loan officer will contact you within a couple of hours to finalize a plan.
Overall, Veterans United’s application is quick and streamlined. You can complete it entirely online, though you can get help by phone if you need it. The process took us about 15 minutes, though you could get a preapproval decision in as little as 12 minutes.
Churchill Mortgage
Churchill Mortgage also offers an efficient, streamlined mortgage app. The online application takes about 15 minutes (it may take slightly longer if you add a spouse or co-borrower) and requires similar information about housing history, personal info, property details, work history, and more. Using the information you provide, you’ll work with a loan specialist to discuss your options, which can include conventional, FHA and VA loans.
One standout element of Churchill’s process is that, after you submit, you’re sent to your personal dashboard, where you can see your remaining to-dos. You can also run payment calculations, connect your bank accounts, upload documentation, and monitor your loan application’s progress.
VA loan process
If you’re seeking a VA loan, you’ll indicate military service in the application. You’ll then be asked to enter what branch you served in and for how long. This lets the loan officer know a VA loan may be an option for your purchase. If you choose a VA loan, you’ll be asked for additional information. There are also questions about whether you’re a first-time homebuyer or if you’ve taken a homebuyer education course (the answers to these can affect your loan options and pricing, a Churchill rep says).
Georgia’s Own Credit Union
Georgia’s Own Credit Union has a streamlined application for all their loan types, but we looked at their FHA process. The application takes 10 to 15 minutes to complete if you have all your documents on hand.
A borrower starts the initial application process through the credit union’s website by answering four basic questions: whether you want to buy a home or refinance it, your existing debts, your gross monthly income and the state you live in.
You’ll then be asked whether you’re a first-time or repeat buyer, the address and zip code of the property, the type of home, the number of units, purchase price and down payment. With this basic information, you will get an initial estimate of your loan amount.
Answer a few more questions about your credit score, whether you served in the military, how long you plan to stay in the home, and whether it will be your primary residence. You’ll then be given a loan estimate for a 30-year and 15-year FHA loan. You can click a button to see a list of estimated closing costs, and you can also see how your loan estimate changes if you decide to buy points to lower your quoted rate.
If you choose one of the offered options, click a button to start the full application. You’ll need to create a credit union account, where you can securely upload all required documents (pay stubs, W-2s, bank statements, etc.) and track your loan. After you submit your application, a loan officer will contact you within a day to discuss next steps, including starting underwriting and scheduling an appraisal.
Common hurdles and how to make your mortgage application go more smoothly
Though loan applications can vary slightly by lender, mortgage professionals say a few common snags are universal.
Documentation is the big one. No matter the lender, mortgage applications require a lot of paperwork to back up your information. You need tax returns, bank statements, pay stubs, statements for your investment and retirement accounts, and more. If you don’t have these pulled and organized before applying, it could hold up your application and delay underwriting. Depending on market conditions, you could even miss out on a lower interest rate.
“Documents seem to be the biggest hiccup,” Rose says. “If everybody’s got their documentation ready, it makes for smooth sailing.”
You don’t necessarily need physical copies of everything, though. Digital versions can work — but make sure you can access those items easily before starting your application.
“Know how to log into the various things. Your bank account or the payroll service that your employer uses, for example,” says Chris DeRuischer, home loan specialist at Churchill. “Can you log in and get a copy of your 401(k) statement? It might not all be requested, but just knowing the log-ins and having all of that organized is very helpful.”
Frozen credit is another common issue in the application process. Lenders almost always need to pull a borrower’s credit to verify debts and assess how they pay and manage bills. If their credit is frozen, a common strategy to stave off identity theft and fraudulent charges, it can stop an application in its tracks.
“It’s a pretty popular thing to do,” DeRuischer says. “If you have your credit frozen, you will need to go on the app with each of the bureaus, unfreeze your credit score, thaw those, and then we’ll be able to pull the credit report after that.”
Deruischer recommends keeping your credit unfrozen for at least 30 days, since most lenders will need to re-pull credit just before closing. (They often do this to make sure nothing major has changed about your debts or payment history since applying.)
Ray Hicks, home loan specialist at Churchill Mortgage, also notes that getting hung up on the nitty-gritty details can hold an application back, too. While you should always enter the most accurate numbers and data possible, a few slightly off details won’t derail your mortgage.
“What I tell my clients when filling out their application is to do their best,” Hicks says. “They aren’t going to mess anything up. Of course, put in your correct personal info, but anything past that, if there’s an error, we’ll get it corrected on our end.”
What To Know About the Hottest Corner of the Semiliquid Market
Funds that invest in privately held infrastructure like toll roads and data centers held $31.7 billion in assets as of mid-2026, and investors may be tempted to dive in. Here are three factors they should consider first:The direct infrastructure category includes a diverse set of assets, each with different risks and rewards.Since most of these funds are relatively new (16 of 22 vehicles launched between 2023 and 2025), they haven’t dealt with significant redemption requests.Although borrowing at the fund level isn’t widely used in direct infrastructure at the moment, it’s something investors should watch.2026 Direct Infrastructure LandscapeLet’s dig into each of those critical variables.Navigating the Infrastructure MenuA diverse group of assets is rolled up under the infrastructure umbrella, but the risks associated with those assets differ. The asset class is most often sliced into four subsectors—core, core plus, value added, and opportunistic—with the risk of loss increasing as one moves from core to opportunistic. Investors and financial advisors should thus weigh the risk/reward profiles of each and their portfolio needs before making an allocation decision.Core assets are established, operational assets with regulated cash flows whose returns are typically income-based. Examples include toll roads, airports, and water systems.Core-plus assets are also operational but carry additional risks relating to growth, expansion, or recontracting, which introduces capital appreciation into their expected returns. Some examples are fiber networks and contracted storage facilities.Value-added assets can have substantial development risk relating to platform buildouts, turnarounds, or operational improvement projects; accordingly, they have greater capital appreciation potential. Data center development is a timely example, and one that has grown in prominence amid the artificial intelligence buildout.Opportunistic assets have private equitylike returns in exchange for risks relating to construction, merchants, or politics. Examples include early-stage buildouts for fiber, data center, and AI-driven power and cooling projects.Fundraising data from the past two decades show that each bucket made up a substantial portion of private fund infrastructure allocations, accounting for anywhere between 15% (core plus) and 33% (core) of assets.The Liquidity Test: Understanding Limits and ProrationsThe lack of seasoning on these direct infrastructure vehicles means that their investors have yet to face true liquidity tests. Such tests have already played out in nontraded REITs in 2023 and in private credit this year.As Morningstar has documented, semiliquid funds intentionally limit how much money investors can redeem to harvest an illiquidity premium. As a result, the amount each investor receives back is a function of how much other investors asked for in aggregate during a given redemption window, which typically occurs quarterly. In periods of stress and negative headlines, redemption requests can exceed the limit.If that happens, managers may choose to redeem an additional 2 percentage points beyond the stated limit during a given redemption window, such as increasing a 5% tender offer to 7%. They are not obligated to exercise that discretion, however, and investors should not expect they will do so. When requests exceed a fund’s tender-offer limit, the manager prorates each investor’s redemption request; that is, investors only get back a proportional amount of what they asked for.Broad-based inflows have so far prevented such a scenario from unfolding across most of the largest direct infrastructure strategies.Across the three largest direct infrastructure strategies, only Brookfield Infrastructure Income has redeemed more than 1.0% of outstanding shares during a single quarter thus far. Brookfield, however, reported that more than 90% of the shares it repurchased in the last two quarters of 2025 were repurchased by a Brookfield-managed fund, suggesting third-party redemption pressures have been negligible, as they have been for both KKR and Blackstone’s semiliquid offerings.An Area to Watch: LeverageFund-level financial leverage is not currently a popular strategy across direct infrastructure managers—just five of 22 strategies reported nonzero outstanding fund-level borrowings in their most recent public filings.While leverage can enhance returns (or detract from them when the cost of leverage is greater than unleveraged returns), it can also help finance new asset acquisitions or allow a fund to meet share repurchase requests without selling assets. The presence alone of permanent financial leverage isn’t good or bad, but it should at the very least be considered alongside other potentially distinguishing characteristics, like liquidity terms (redemption amounts and cadences) and fund expenses.The greenness of many of these strategies makes the trajectory of permanent fund-level leverage across the category an area to monitor. More than half the peer group reported net asset values of less than $500 million as of the most recent filings. As a larger portion of the category achieves scale, it is possible that more managers will employ permanent fund-level leverage.
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JetBlue CEO says creditors are wrong about restructuring
When a company’s senior creditors engage a restructuring adviser, the bond market reads it as a warning.
For JetBlue Airways (JBLU), a Wall Street Journal report that a group of senior creditors had hired restructuring adviser PJT Partners sent shares to a new low and put the airline’s balance sheet under a public spotlight it did not welcome.
The stock recovered sharply. JetBlue rose nearly 19% in early trading after its third-quarter earnings report, even though the company posted a wider quarterly loss. Investors chose to focus on management’s fourth-quarter outlook and a stated target for reaching profitability by 2028.
Chief Executive Joanna Geraghty did not sidestep the creditor issue. “We have no intention, no plans to file for bankruptcy. We are not engaged with any restructuring company,” she told CNBC.
She described a “fundamental disconnect between the narrative in the bond market and what our financial results actually demonstrate.”
Why JetBlue’s Q3 loss was wider
JetBlue posted a net loss of $257 million for the three months ended Sept. 30. A year earlier the loss was $143 million. The airline’s fuel bill climbed 61% to $868 million, accounting for most of the wider shortfall.
Also read: JetBlue has a boarding policy designed to anger passengers
The balance sheet tells a different story than the income statement. JetBlue ended the quarter with $2.2 billion in liquidity. Its unencumbered asset base, collateral the company could draw on in a financing, stood at $7 billion, including $2.8 billion in aircraft and engines. Those are the figures management pointed to when arguing the restructuring concern does not match the operating reality.
Revenue per available seat mile (RASM), a standard measure of how efficiently an airline converts capacity into revenue, is expected to rise as much as 22% in the fourth quarter from a year earlier. That would bring the full-year increase to between 13.5% and 14.5%. The fourth-quarter guidance was the number investors reacted to most.
Average fares backed up the revenue outlook. JetBlue’s average fare in the third quarter rose more than 19% from a year earlier to $245.11, up from $205.67. The company said travel demand has held firm even at higher price points.
JetBlue’s case for $1 EPS by 2028
Chief Financial Officer Ursula Hurley said the company has sufficient liquidity and financing options to reach its 2028 targets. She put those targets at a minimum of $1 in earnings per share and positive free cash flow by that year.
“JetBlue believes it has the liquidity and financing options to build a strong bridge to at least $1 in earnings per share and positive free cash flow in 2028,” Hurley said.
JetBlue has not posted an annual profit since 2019. Getting from the current loss position to the 2028 target requires the company to sustain higher fares, expand premium revenue, hold down costs and reduce debt, in a sequence that leaves little room for one of those to slip.
A new domestic first-class section recently went on sale as part of the premium push. The product is designed to attract higher-spending travelers and lift unit revenue above what a coach-only cabin can generate. That move places JetBlue alongside a broader industry trend toward premium differentiation, though the airline is doing it with a more constrained balance sheet than its larger competitors.
JetBlue carried $8.4 billion in total debt as of Sept. 30. That number, alongside the fuel cost jump, is the source of the creditor concern Geraghty pushed back against.NurPhoto / Getty Images
The risks that haven’t gone away
JetBlue carried $8.4 billion in total debt as of Sept. 30. That number, alongside the fuel cost jump, is the source of the creditor concern Geraghty pushed back against. Servicing that debt while the company is still posting net losses narrows the margin for operational setbacks.
Higher jet fuel costs have affected the whole industry. JetBlue is more exposed than most of its competitors. Delta (DAL), American, and United carry a wider mix of revenue sources and deeper cash reserves. A fuel spike that a larger carrier absorbs in a quarter can push JetBlue’s 2028 results well below what management has projected.
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The strategic setbacks of recent years compounded the debt burden. JetBlue’s attempted acquisition of Spirit Airlines was blocked by a federal judge. A regional partnership with American Airlines (AAL) was also blocked by regulators.
JetBlue now has the Blue Sky partnership with United Airlines (UAL), but neither deal replaced what a Spirit combination would have provided: a lower cost structure and more domestic capacity at competitive price points.
The company has said it is not pursuing another large acquisition. That means the internal turnaround is the full plan. RASM growth, cost control, debt reduction and premium-seat adoption all have to move in the right direction at the same time.
A deterioration in any one of those would put the 2028 timeline under renewed pressure.
How JetBlue proves the CEO right
Fourth-quarter RASM is the first test. Geraghty and Hurley pointed to the up-to-22% increase as evidence the revenue picture is improving. If the actual result comes in below that range, the creditor narrative will return. If it lands at or above guidance, it starts to support the argument that the bond market is reading the company’s situation incorrectly.
Fuel costs in the fourth quarter will run alongside the revenue question. The 61% increase in Q3 was the main reason the net loss widened from a year earlier. A sustained rise in jet fuel prices could offset fourth-quarter revenue gains and push the result below what management has projected.
Debt reduction is the longer test. At $8.4 billion in total obligations, JetBlue needs to generate consistent positive cash flow before it can begin to bring that figure down. The 2028 free-cash-flow target is the starting point for that process, not the end of it. Investors watching the stock from here need to track whether the company’s cash position is improving each quarter, not just whether earnings guidance is being met.
The stock climbed nearly 19% after the report. Geraghty’s case for the company’s health centers on the Q4 revenue guidance and the $7 billion in unencumbered assets she cited on the earnings call. Those numbers get tested when the fourth-quarter report comes out.
Related: JetBlue creditors hire bankruptcy advisers as debt concerns grow
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Microsoft names the hackers who slipped in through a backup app
Every business owner keeps a mental list of the keys that matter. The bank login, the payroll account, the alarm code for the front door.
What rarely makes that list are the apps your IT provider plugged into your company email years ago. They don’t log in like a person or get a text code. They just run in the background.
Most small companies outsource IT to managed service providers, or MSPs, which wire backup and security tools straight into each client’s Microsoft 365 account.
Each tool holds standing permission to read and write your data with no person signing in, according to Help Net Security. For you, that’s convenience. For a hacker, it’s a skeleton key.
Last week, one of those keys was stolen. Attackers took a credential for ConnectWise Cloud Backup, a tool many MSPs use to back up clients’ email and files, and used it to walk into company accounts one after another.
If your IT is outsourced, this story deserves ten minutes of your week.
Hackers exploited ConnectWise credentials to breach Microsoft 365 accounts, exposing businesses to lasting security risks and financial losses.SOPA Images / Getty Images
What happened in the ConnectWise breach
On Oct. 15, someone using the backup app’s identity started requesting access to customer accounts from a hosting-provider address, according to BleepingComputer. ConnectWise, which bought SkyKick in September 2024, disclosed the problem the next day, Techzine reported.
Huntress, a security firm that watches over small businesses, saw sign-in attempts from the attackers’ address on about 1,000 Microsoft accounts, and around 300 of them succeeded, according to Security Affairs.
ConnectWise disabled seven application identities on Oct. 17 and took Cloud Backup offline. It later suspended its SaaS Security and Cloud Management services too, Dark Reading reported.
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On Oct. 21, Microsoft named a culprit. It said Storm-0940, a China-state-aligned group active since 2021, used an AI-driven hacking tool called ARTEX to hit more than 2,250 accounts at a pace of 2,900 sign-in attempts per minute, according to CSO Online.
In several cases, the group went from picking a target to privileged access in under three hours, Microsoft wrote in its report, as quoted by Security Affairs. Most attempts failed. The ones that landed moved fast.
Why a stolen key can cost you real money
A backup tool has to see everything it protects. The compromised app could reach mailboxes, OneDrive and SharePoint files, Teams chats and the company directory, according to Cybernews.
Email is where small business money usually disappears. Business email compromise cost U.S. victims just over $3 billion in 2025, according to an analysis of FBI data cited by Insurance Business.
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The FBI logged 24,768 of those complaints [VERIFY vs IC3 2025 report]. By my math, that’s roughly $123,000 lost per reported case.
The scheme is simple. A crook sitting in your mailbox studies how you bill, then emails a customer a real-looking invoice with new bank details, or asks your bookkeeper to update a vendor’s account. With a hijacked account, the email really does come from you.
For a company with 20 employees, one diverted payment of that size can mean a missed payroll or a drained credit line. That’s the dollar stake behind a story that sounds technical.
Here’s what researchers found inside affected accounts:
In about 50 accounts Huntress monitors, ConnectWise management apps gave themselves directory roles, mostly Exchange Administrator, according to BleepingComputer.
In at least one, a ConnectWise Teams app made itself a global administrator and, within about five minutes, added new credentials to two other trusted apps, Help Net Security reported.
After getting in, the attackers changed app credentials and tried to alter privileged roles, Microsoft said, according to The Hacker News.
Switching off the app doesn’t lock every door
ConnectWise says its stored backup archives remain encrypted and isolated, with no sign they were touched, according to Dark Reading. The company has also said it can’t see inside customer accounts, so it can’t tell whether any one business was hit, a separate Dark Reading report noted.
That leaves the cleanup to you and your provider. Microsoft warned that the attackers’ changes “can remain active as a backdoor” even after the original app is fixed, according to CSO Online.
Here’s the detail I’d flag for every owner: you may be exposed even if you stopped using SkyKick years ago. ConnectWise told partners to check accounts with dormant SkyKick connections, according to Techzine, because the permission stays in place until someone removes it.
Huntress also told administrators to disable the ConnectWise apps rather than delete them, and to check every app for credentials added since Oct. 13, iTnews reported.
Three questions to ask your IT provider this week
I asked Elli Shlomo, head of security research at Guardz, a cybersecurity company that sells to MSPs, what an owner with no security staff should actually do. He boiled it down to three questions.
“First: ‘Was the ConnectWise Cloud Backup app connected to our Microsoft 365, is it disabled now, and did you check the sign-in logs for activity that didn’t come from the vendor?’” Shlomo said.
“Second: ‘What changed while it was connected?’” he said. “In some tenants the app gave itself administrator rights and added new credentials to other apps, so you want a check for new admin roles, new app secrets and new mailbox forwarding rules, not just a password reset.”
His third question looks past this one vendor. “Third: ‘Which other vendor apps hold this kind of access to our email and files, and when were they last reviewed?’ A good provider has already done all three and can show you the evidence,” Shlomo said.
That last line is the real test. If your provider can’t hand you a written answer, you’ve learned something about who’s guarding your accounts.
Ransomware crews now hunt for company backups
On Oct. 20, the FBI, the Cybersecurity and Infrastructure Security Agency (CISA) and international partners warned that SafePay, one of 2026’s most active ransomware crews, has hit about 600 victims since August 2024, according to HSToday.
SafePay operators shut off a built-in Windows snapshot service and reset network storage drives holding backups to factory settings. In some cases they deleted every network-attached backup before negotiations began, GBHackers reported.
The agencies’ fix is familiar advice with new urgency. Keep backups that are offline, encrypted and impossible to alter, and regularly test that you can restore from them, according to HSToday.
There’s a practical gap to close, too. ConnectWise Cloud Backup has been paused since Oct. 17, so ask your provider whether your email has been backed up since then and when restores return].
This breach will fade from the headlines. The permissions it exposed won’t, unless someone goes looking for them.
Ten minutes and three questions this week could spare you a six-figure invoice scam later. For the business you’ve spent years building, that’s cheap insurance.
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