The practical side of our partnership. Find application handoff guidance, our division of responsibilities, and answers to common workflow questions.
Choose a resource below. Use approved company systems for all borrower-specific information, decisions, and file activity.
New to working together? Set up access and understand the handoff.
Copy a handoff template into Arive or find the right owner for a task.
Process reminders and answers for everyday collaboration.
A few sentences are plenty. I can review the application details myself. Just share the context I wouldn't know from looking at the file, especially anything you've already told the borrower or anything with a deadline. Paste your note into Arive notes.
Only include what applies. No need to repeat application details or write “Not discussed.” Continue documenting material conversations, decisions, and commitments in Arive as they occur.
I review the application, introduce myself to the borrower, request documents, and work through qualification. I can independently finalize and issue the pre-approval. You notify the borrower, deliver the initial letter, and discuss next steps. I handle updated and property-specific letters.
I review the contract, update the file, request missing items, rerun AUS as needed, and prepare pricing and structure scenarios. You discuss the options with the borrower and confirm their decision. I prepare the file and disclosure instructions for Local Processing, which prepares and executes the actual disclosures. I coordinate the handoff and monitor completion.
I serve as the primary LO contact for Local Processing, research issues, and identify potential solutions. If borrower-facing financial decisions or material concerns arise, I bring you the issue, facts, and options so you can advise the borrower.
I send pipeline reports twice each week and escalate urgent matters directly. I monitor closing activity and review the final CD internally. You review final figures and cash to close with the borrower, communicate closing logistics, and maintain the relationship through closing.
Once the borrower submits a loan application. You own the lead, initial sales conversation, and relationship before application.
I handle routine operational communication and documentation needs. You handle pricing, rates, payments, structure, financial decisions, material qualification changes, and significant concerns.
You discuss pricing and confirm the borrower’s decision. Once you communicate that decision to me, I prepare and coordinate the lock instructions. Local Processing submits the actual lock request to the lender and also handles relocks, lock extensions, and changes of circumstance as needed.
Twice each week, with direct escalation when your attention is needed before the next report.
Experience includes Conventional, FHA, VA, USDA, Non-QM, HELOCs, purchases, and refinances.
Monday through Friday, 9:00 AM to 5:00 PM Central Time. After-hours help may be available for genuinely time-sensitive matters but is not guaranteed.
Reasonable communication and workflow preferences can be accommodated. The core ownership structure and priority system stay standardized.
Flag the genuine urgency so I can evaluate and reprioritize appropriately.