Hard Money Lender Ran Background Check

[Jose Campos]

Hey guys,

Quick question, I am working with a new lender (new for me I have never worked with them before) from the Northeast for a refi cash out. They ran my background but did not ask permission nor did we ever discuss that. I approved the credit check and gave them my social security number but just found out this morning that they are waiting for my background check to come in, which was news to me. I went through our correspondence and all the forms I have signed with them and do not see criminal or background check in there. I told them it will come back clear but can they just go ahead and do this?

I have done dozens of deals with credit unions, banks, and hard money lenders and never had a background check requested or just done like that. Is this legal and standard practice?