Company Profile


Contact Information

Contact: Brent Chandler
Title: Founder and CEO
Phone: 706-201-7794


824 S Milledge Ave
Suite 100
Athens GA 30605
United States

Founded in 2008, FormFree is a privately-held provider of cloud-based, mobile-friendly technologies that help financial institutions determine the ability of their customers to pay back loans. In just seconds, FormFree’s solutions collect, analyze and certify the data lenders need to make safer and smarter lending decisions. The company's customers include mortgage bankers, financial services firms (auto, subprime), credit card companies, payroll service companies and crowd-funding service providers.

The first instant asset verification tool to earn Fannie Mae’s Day One Certainty endorsement, AccountChek transforms the borrower and lender experience and reduces time-to-close by days — sometimes weeks. Faster than gathering paper documents and easy to use on any device, AccountChek significantly streamlines the mortgage underwriting process for both borrowers and lenders, resulting in quicker decisions and higher borrower satisfaction. And because AccountChek removes the opportunity for data tampering or errors, it also produces a more fraud-resistant loan process. AccountChek meets all underwriting requirements for Fannie Mae, Freddie Mac, VA and FHA loans.

Passport builds on the foundation of AccountChek’s automated asset verification system to bundle the critical underwriting pillars of borrower income, identity, asset, employment and credit reporting into one easy verification report. Faster than gathering paper documents and easy to use on any device, Passport significantly streamlines the mortgage underwriting process, giving lenders the comprehensive, detailed analysis they need to assess borrower’s ability to pay, within minutes, paperlessly.

FormFree is the most trusted provider of automated verification services for mortgage lenders. Its products are trusted by thousands of lenders, including 50% of the top 40 mortgage originators. To date, FormFree has accepted more than 1.5 million AccountChek® report orders and verified over $1 trillion in borrower assets.


From HW Magazine

2018 HW Vanguard: Faith Schwartz

FormFree officer/president, board of directors
Faith Schwartz is a board member and acting president of mortgage fintech firm FormFree. And while she has implemented impressive strategies to facilitate the development and growth of FormFree, her list of accolades includes so much more.
Read More
From HW Magazine

2018 HW Insiders: Louann Bernstone

Head of Risk and Compliance, FormFree
As head of risk and compliance at FormFree, Louann Bernstone oversees all matters relating to compliance, vendor management and enterprise risk for the asset verification technology provider. Bernstone has played a key role in forging strategic partnerships with regulators and GSEs.
Read More

FormFree's AccountChek integrates with BeSmartee's POS platform

Automated asset verification now a part of BeSmartee's POS platform
FormFree announced on Wednesday that its AccountChek automated asset verification service is now part of BeSmartee's mortgage point-of-sale platform. FormFree explained that this integration will speed up BeSmartee’s digital loan process and provide a more accurate assessment of borrowers’ ability to pay.
Read More

LendingQB adds FormFree AccountChek Asset Verification to loan origination software

Lenders can access reports from LOS dashboard
This week, fintech company FormFree announced its automated asset verification service, AccountChek, is now available within LendingQB's web-based loan origination software. The integration enables lenders to order AccountChek Asset reports from LendingQB’s verifications dashboard, the company said.
Read More
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