Underwriting Checklist Instructions

Enjoy speedy underwriting, a paperless office, and cost savings by following these easy steps. 
If you have any questions regarding a submission, broker support can help. Simply call 800-924-3884.

• Under "Current View" select the view you want using the drop down arrow. The default is "Prior to Doc Remaining". If you have already uploaded some images, it may be helpful to select the "Images Not Uploaded" view.
• Each condition is separated by a blue bar. A brief description of the condition is located in this blue area.
  • Use the expand/collapse button (green square with a + or - sign) to view the conditions in two modes. 
  • In expanded mode, you will see the browse button to upload your conditions; or if your image for that condition is already uploaded, you will see an icon of a printer. Clicking on the icon will allow you to view the uploaded image.
• More detailed explanation of the condition may be located under the heading "Condition Details".
• If you have a question about the condition, use the Comments Change Log to leave a question for the underwriter.

To Upload Conditions:

Separate Files

If your files are already separated into different images, you can upload each image directly from Step B in the Loan Choices screen.

1. Click the blue "Browse" button for a condition.

   

2. Find your file and either double click it or click it once and then click the "Open" button.
3. Click the blue "Attach" button.
4. If you wish to upload another file for the same condition, click the link that says "Add Name of Condition" (it will have the name of the condition in the link) and repeat the above.

One Combined File

If your documents are contained in one image, you can drag and drop individual pages to associate them with conditions.

1. From within Loan Choices™, Step B, near the upper-middle of the page, you'll see the words "Upload images below. To separate images: Click Here". Go ahead and click on the words "Click Here."

   

2. The Scanned Docs window will open.
3. Begin at the top of the form and find any images that are have the "Doc Type" of “Underwriting Submission Package” or “Additional Conditions Received”. These are the “combined” images that need to be separated and associated with each condition.

   

4. Click on the image link that says “Assoc.” – which stands for associate images.

   

5. The "Upload and File Association" window will open.
6. Thumbnail images of individual pages can be seen in the middle column of the page.
   • When you click on a thumbnail, a larger view of the page will appear in the right column.
   • You can view a specific page by clicking on its thumbnail
   • You can also enter the page number in the white box located near the top of the page that is found within the blue <<  >> marks.

     

   • You can change the size of the page view by clicking the "-" or "+" sign in the upper right hand corner of the page, or by entering a percentage in the white box. A percentage of 175% to 180% provides excellent viewing quality.

     

   • When you have the page view at the size you want it, you can save that preference by clicking the blue "Save Preferences" button at the top of the page. We recommend you set the default to 180% for best viewing quality.

     

7. Drag and Drop the thumbnail images to the applicable condition.
• Drag the thumbnail to the gray box of the condition. The top of the thumbnail will turn green when you have the cursor in the right area.

  

• You'll know that the "drag" operation was successful if you see a red "x" next to the condition.

  

• Remember that using the control key while clicking the image will allow you to select multiple images at once.
• When selecting multiple images, drag and drop the images slowly as some computers are not as fast as others and there may be some lag. By dragging and dropping slowly, you will minimize any lag due to a slow computer or connection.
• Remember that the order in which the images are “clicked” is the order that they will be converted into a PDF – so please be careful to select the top page first, the 2nd page second, etc…
8. Once you have dragged all the images to their condition(s), click the “Post & Associate Button”. You must do this to save your work!
   1. If there were some pages in your file that were not associated with a condition, you will be asked if you want to save those images . Press "Okay" or "Cancel".
   2. You'll be asked if you want to save your changes. Press "Okay" or "Cancel".
9. The original file you were using now needs to be marked as “Don’t Use” on the Scanned Docs window.

   

10. Review the scanned images form for any additional images that need to be converted/associated, and repeat steps 3-9 until all “combined images” are associated (the images that are marked as “Underwriting Submission Package” or “Additional Conditions Received”).
11. When all the conditions have been fulfilled and the online closing doc wizard is completed, the grey "Request Underwriting" button will turn green. Click on that or click on Step Three in the left side menu.

    

    

12. The Underwriting Submission Form will open. Click the blue "Submit Loan to Underwriting" button.

You may now expect speedy underwriting turn times.