Aven's bank-standard underwriting system is fully automated and generates an offer based on an applicant's income, equity, credit, and debt obligations. Meeting the minimum criteria does not guarantee an approval. All signers (applicants and/or co-owners) must be at least 18 years of age or older. All signers must possess valid government issued identification documents specified by Aven. For lines above $100,000, borrowers need to provide proof of insurance and proof of adding Aven/Coastal Community Bank as a beneficiary on the policy.