The Process

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STEP ONE Within the first 48 hours of receiving your new files the following is completed:

  • Each file is verified in our processing system from your electronic 1003.
  • All Verifications of Employment, Deposit, Rent, and Mortgage are sent out.
  • We order all title work on your behalf.
  • We order the appraisal on your behalf based on the preferred vendors you want us to use. (on pre-approved files)
  • Any other needed documents are ordered at this time.

STEP TWO

  1. Next, all items that were sent out are tracked and collected by your processor who will verify and organize them to be sent to the lender of your choice.
  2. Your processor will coordinate with you with any items that are needed from the borrower to expedite the process of getting your loan underwritten. 
  3. Payoffs are ordered through the title company or by us depending on the title companies policy for your state.
  4. We follow up with the underwriter and track the amount of time your files are in underwriting so that they are not sitting on a desk.  (underwriting times may vary by lender)
  5. We will work with all parties to collect any conditions needed to move your file to closing.
  6. We will order hazard insurance, and coordinate with your title company to set a date for closing.
  7. We submit a doc order request to the lender so that they can draw docs for the title/escrow company.
  8. We coordinate with the title/escrow company to obtain a copy of the settlement statement prior to closing for review by us and you.
  9. And we follow up on any post-closing conditions needed to fund your loan.

We only ask two things of you.

  • To lock the rate with the lender that you have chosen for the file.
  • Stay in contact with your borrower and help collect any missing items.


Our goal is to provide a service that will allow you to focus on the sales aspects of your business and leave the paperwork to us.