The Verification Code is a security feature Earnest uses as part of multi-factor authentication. It provides an extra layer of protection by confirming that the person signing in or accessing an application is the rightful owner. When you sign in or resume an application, a unique six-digit code is sent to the email address associated with your Earnest account or application to continue. If the original code expires or is no longer valid, the email also includes a link to request a new one. The exact steps for receiving and entering your code differ depending on whether you already have an Earnest account or are accessing your application without one.
If you already have an Earnest account
- Sign in with your email address and password.
- A verification page will appear asking for a 6-digit code.
- Check the email inbox associated with your Earnest loan for the code (it typically arrives within seconds).
- Enter the 6-digit code to access your Earnest account.
If you do not have an Earnest account
- Go to the Earnest website and resume your refinance application.
- You’ll see a prompt to enter and validate your email address.
- Check the email inbox associated with your Earnest loan for the code (it typically arrives within seconds).
- Enter the 6-digit code to continue your application.
What Should I do if I Encounter an Error?
If you are experiencing issues signing in due to problems with your email or password, please refer to this Help Center article for assistance.
If you see an “Incorrect Code” message, the code you entered is no longer valid. Each time you click "Resend code," all previous codes are automatically canceled to protect your account. The best way to resolve this is to open the most recent email we sent and enter the newest code provided there. If you requested multiple codes, wait for the latest one to arrive before trying again, and disregard any older emails to avoid confusion.
If you see a message that you’ve “reached the limit” for entering your code, it means you’ve used the maximum number of attempts allowed in one hour, which is five. This limit is in place to protect your account from repeated failed sign-in attempts. To resolve this issue, please wait one hour before trying again. When you return, be sure to use the most recent code we sent, as any older codes become invalid once a new one is issued.
If you encounter an “Unexpected Error,” it typically indicates that your session or code has expired due to inactivity or that a temporary system issue occurred, such as a server error. In many cases, simply trying to sign in again will resolve the problem. If the error persists after several attempts, it may indicate a different issue and require further investigation.
If you are using a third-party service that can no longer connect to your account, please know that these services are not fully supported. Platforms such as Yodlee or Finicity use credential-based logins to access account information, including loan details and payment history. Because these tools attempt to sign in on your behalf, multi-factor authentication will prevent those connections from succeeding. The one-time passcode feature introduced with multi-factor authentication is an important security enhancement designed to protect your account and personal information, ensuring that only you can access your account even if your login credentials are shared or compromised.
If you run into any issues or have additional questions, please contact our Client Happiness team by clicking the Get in Touch button at the bottom of this article.