Submission Form

Loan Orgination Check List

Lending Pad File complete? Loan Estimate, AUS, Anti SteeringLoan File complete? All LO Folders Filled and OKed?

What are we doing?

Register, Lock, Disclose, and SubmitRegister, Lock, and Disclose (Make note of what we're waiting on)Register, Submit, and Disclose NonQM (No Advance Lock)Register and Submit (No Advance Lock, not ready to submit)Just Submit (Already Registered, Locked and Disclosed)Just Lock (Already Registered and Submitted)Lock and Submit (Already Registered and Disclosed)

Important Deal Points that the we Need to know about.*

Expected Cast to Close

Loan Purpose*

Loan Originator*

Loan Number*

From Lending Pad File

Lead Source

Borrower or Borrower and Co-Borrower?

BorrowerBorrower and Co-BorrowerTwo Applications

Borrower First Name*

Borrower Last Name*

Co-Borrower First Name*

Co-Borrower Last Name*

Call him (her)...

Nickname

Borrower's Email

example@example.com

Co-Borrower's Email

example@example.com

Close of Escrow

MonthDayYear

Is this a 1st Time Buyer?

Is the purchase contract in the file?

Including counter offers and addenda?

Contact the Realtor and Get the Contract and Counters ASAP!

Are Borrowers Currently Renting?

SUPER IMPORTANT!

ORDER VOR NOW!

Lender

Other Lender Name

Loan Type*

Loan Program*

Loan Program Name

FICO Score (Middle)

Occupancy*

Property Type*

Waive Escrow Impound Accounts?*

Compensation Type*

Lock*

Rate*

What Rate do you want?

Lock Period*

Lender Credit or Cost?*

Pricing

Points as %

What are we charging?

Points Paid as %

Doc Type

Buyout Lender Fee? *

MI Type*

Underwriting Type*

Is there a Second on the Home

How Much is owed on 2nd?

Is there an HOA?*

How much are the Dues?

Is there a Secondary HOA?

How much are the Secondary Dues?

SUPER IMPORTANT!

ORDER CONDO DOCS NOW!

You (LO) need to get the HOA statement to verfiy the payment amount.

Then You (LO) need to get both HOA statements to verify those payment amounts.

Does VOE need to be ordered on Borrower?*

SUPER IMPORTANT!

ORDER VOE NOW!

Has the-Borrower's employment remained the same since Jan. 1, 2020?*

SUPER IMPORTANT: (LO) Call, Text & Email Client NOW; Find out the answer!

SUPER IMPORTANT!

ORDER THE PREVIOUS VOE... Sorry Logan!

Does VOE need to be ordered on Co-Borrower

SUPER IMPORTANT!

ORDER VOE NOW!

Has the Co-Borrower's employment remained the same since Jan. 1, 2020?*

SUPER IMPORTANT: (LO) Call, Text & Email Client NOW; Find out the answer!

SUPER IMPORTANT!

ORDER THE PREVIOUS VOE

Is there a non spouse co-borrower?

SUPER IMPORTANT! 2 Separate 4506T need to be ordered!

Make sure 4506T corresponds to their individual addresses on the actual 1040. Make sure both have the same address or two 4506T will need to be completed if he/she has different addresses on each year.

Is there a spouse that's not on the loan?*

What is his/her name?

So we can prepare quit claim deeds

SUPER IMPORTANT!

If it is FHA or VA you (LO) need to run the credit on the non-spouse and add liabilities to 1003.

Is there Solar on the home?*

How is it Financed

What is the Monthly Payment?

SUPER IMPORTANT: (LO) Call, Text & Email Client NOW; Find out the answer!

Super Important (L0): You need to get the Financing Contract.

Super Important (L0): You need to get the power purchase agreement.

Super Important (LO): You need to get the lease agreement

SUPER IMPORTANT!

ORDER HERO LOAN PAYOFF DEMAND!

Are We Paying off Debt to Qualify?*

How are we paying it off?

SUPER IMPORTANT!

SEND DEBT PAYOFFS LINK!

Is the Property in a Trust?*

Fill out Trust Cert which is on the last page of title report.

Let Client know we will taking it out for 1 day and putting it back in the next day.

Are we paying for the appraisal?

Appraisal Contact is...

Appraisal Contact Name:

Appraisal Contact #

I acknowledge that I am responsible for the cost of the appraisal if this deal does not close

Check the Box

Are You Sure the Lending Pad File is Perfect? (Garbage in-->Garbage Out)*

You (LO) need to Call, Text & Email the Client NOW! Complete the File! START FAST, FINISH FAST!!!

Great Job on Getting the Loan to Submission! Hang on for Approval. Next Step get a New Loan! Rock On!!!