hello this call is regarding the status of your loan request my name is Isabelle Tyson I am the loan specialist with the funding Union working on your approval I have a few questions and before we can finalize your approval I need to speak with you if you have a minute please call me at █████ um my underwriting notes show that we're just pending income verification and if you're planning to use the balance transfer option we'll need the account information for the balances you'd like to pay off once we speak we should be able to move forward with the next step