A Clearer Path From File Submission to Closing.
We've designed our processing workflow to be transparent, efficient, and proactive, so you always know where your file stands.
Application
Work with your loan officer to complete the application. Before sharing any loan documents, contact our team to confirm the agreed secure transfer method. Our public inquiry forms do not accept mortgage documents.
File Review
Our processing team performs a thorough review of the application against lender guidelines, structuring the file and identifying any missing upfront documentation.
Document Collection
We reach out to the borrower professionally to introduce ourselves as your processing team and collect any missing initial documents required for underwriting submission.
Processing
We systematically organize documents, calculate income, and order all necessary third-party services including appraisals, title work, VOEs, and insurance.
Conditions
Once a conditional approval is issued, we review the conditions, gather necessary items from borrowers and third parties, and submit clean packages back to underwriting.
Underwriting Coordination
We act as the primary liaison between your business and the lender's underwriter, answering questions and resolving issues to keep the file moving forward.
Closing Preparation
We track the final sign-off, verify the Closing Disclosure (CD) for accuracy, and coordinate with the settlement agent to ensure a smooth closing experience.
Please Note: This timeline represents our standard workflow. Exact processes, timelines, and required conditions may vary depending on the specific loan program, lender requirements, and transaction complexity.
Ready to see this workflow in action?
Submit your next file to The Lending Friend and experience the difference of professional, organized processing.
Get Started Today