Services
Full-service contract loan processing from file setup through closing. Every file processed by a single, licensed processor for consistency and accountability.
File Setup & Disclosure Support
Every file starts with a clean foundation. I handle complete file setup and initial disclosure preparation so nothing is missed from the start.
Document Collection & Review
Thorough collection and review of all borrower documentation.
Income & Asset Review
Documentation reviewed for completeness. Income calculations provided by the loan officer; I ensure all supporting documentation is in order.
Underwriting Submission
Complete loan packages submitted to underwriting with everything in order — reducing suspense rates and speeding up approvals.
Conditions Management
Proactive tracking and clearing of all prior-to-doc and prior-to-funding conditions.
Clear-to-Close & Closing Coordination
From CTC through closing — I coordinate with title and ensure everything is in order for a smooth, on-time closing.
How It Works
A clear, repeatable process from onboarding to closing.
Onboarding & Setup
I learn your preferences, connect with your LOS, and establish communication protocols. Each loan officer gets a dedicated submission form link — a simple, consistent way to send over new files with all the details I need to hit the ground running.
File Intake & Review
When a new file is ready, I receive the loan package, run an initial completeness check, and organize all documentation.
Processing & Document Management
I order and track all third-party services — appraisal, title, insurance, VOEs — collect outstanding documents from borrowers, and prepare the file for underwriting submission.
Underwriting & Condition Clearing
The file is submitted to underwriting. Once conditions are returned, I track, collect, and clear each one — keeping you informed at every step.
Clear-to-Close & Closing
Once CTC is received, I coordinate with title and escrow, review the closing disclosure, confirm figures, and ensure a smooth, on-time closing.
Loan Programs
Experienced across major residential loan programs.
Conventional
Fannie Mae & Freddie Mac conforming loans
FHA
Federal Housing Administration government loans
VA
Department of Veterans Affairs loans
Non-QM / Bank Statement
Bank statement, DSCR, asset depletion programs