Is The New Way To Get A Loan

Need A Mortgage? Get Qualified Without Just Relying On Your Credit Score

Know before you go! Using the patented Passport Wallet® system from FormFree®, instantly know how much of a mortgage you can afford.

As Seen In

As Seen In

Generate Your Medallion™

Becoming A Qualified Borrower With Passport Is Simple

*FormFree does not sell your information for marketing campaigns

Step 1

Sign Up With Passport

Sign up with Passport to quickly and easily become a qualified borrower. Passport is completely FREE TO USE.

Step 2

Provide Your Information

Enter your information into Passport so we can generate your financial profile. FormFree’s security procedures meet the highest standards of security used by banks. Your data is ALWAYS ENCRYPTED AND PROTECTED.

Step 3

Generate Your Medallion And Start Receiving Mortgage Offers

Using your financial information, Passport generates your Medallion, showing lenders your borrowing power. Using your Medallion, PASSPORT HELPS GENERATE MORTGAGE OFFERS for you and only shares your personal information once you have accepted an offer.

Less Discrimination=More Opportunities

We Are Here To Fix The Broken Mortgage Industry

After being denied for a mortgage, Kiara used Passport to secure a mortgage and get her dream home.”

“I did everything I could to get a mortgage. I used Passport and got the mortgage I needed to get my dream home.”

0 %
of Black Americans have a 659 credit score or lower
0 Million
Hispanic Americans have a 659 credit score or lower
0 Million
Americans have no credit score or a credit score too low to get a mortgage
0 %
of Black Americans have a 659 credit score or lower
0 Mil.
Hispanic Americans have a 659 credit score or lower
0 Mil.
Americans have no credit score or a credit score too low to get a mortgage

Passport Removes Human Bias And Creates A Secure Environment

Click “Get Started” to sign up and begin the process. It’s FREE to use.

RIKI™ Score (Residual Income Knowledge Index)

RIKI Score
(Residual Income Knowledge Index)

Using your banking data, we are able to help you determine your ability to pay and borrowing power, generating a RIKI Score.

RIKI stands for Residual Income Knowledge Index, FormFree’s patent-pending measure of Ability-to-Pay (ATP®) based on income and spending.

Regardless of your race, gender, age or socioeconomic status, we can determine how much you can afford to borrow based on your income and expenses.

By analyzing your banking data, we provide mortgage lenders with a more complete picture of your financial situation.

Ability To Pay (ATP)

Your RIKI score demonstrates your ability to pay.

Lower Interest Rates

Your RIKI score provides mortgage lenders with more information, leading to lower interest rates.

Get A Loan For Anything

After determining your RIKI Score and your ability to pay, you will be able to qualify for a mortgage.

Your Questions Answered

Your Questions Answered

Check out our most common questions and get the answers you need.

How does this work?

Simply go through the application process, upload your financial data by connecting your bank accounts and Passport will generate your Medallion.

Is this secure? I am nervous about uploading my info.

Your data is always encrypted and protected. FormFree’s security procedures meet the highest standards of security used by banks.

What do you use to determine my ability to pay for a mortgage?

We have developed a proprietary tool called RIKI that determines your Ability To Pay (ATP) for loans. This gives mortgage lenders a better understanding of your financial situation and allows you to acquire a mortgage.

Your Questions Answered

Check out our most common questions and get the answers you need.

Simply go through the application process, upload your financial data by connecting your bank accounts and Passport will generate your Medallion.

Your data is always encrypted and protected. FormFree’s security procedures meet the highest standards of security used by banks.

We have developed a proprietary tool called RIKI that determines your Ability To Pay (ATP) for loans. This gives mortgage lenders a better understanding of your financial situation and allows you to acquire a mortgage.

Become A Qualified Borrower Today

Explore the Passport Wallet application process today for FREE and start determining your ability to pay.