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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.

Before you submit a loan to underwriting, you will need to ensure that conditions have the proper files/images associated with them. Do this from Step B in Loan Choices™.

Step B View Completion Status

  • 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.
  • By default, the conditions appear in a "collapsed" view with a short description, allowing you to quickly view all conditions. You can either expand or collapse the conditions.
    • Use the expand/collapse button (green square with a + or - sign located at the far left of the condition) to expand or collapse each condition individually.

      Expand/Collapse Invdividual Condition -- Green box with +
       

    • Or, to expand ALL the conditions, click the "Expand" link (located in the green bar under the words "UW Image Status". Use the "Collapse" link to collapse ALL conditions.

      Exand/Collapse links located under "UW Image Status"
       

  • Expanded mode gives you access to:
    • The browse button for uploading 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.
    • The Comments Change Log.
      • If you have a question about the condition, use the Comments Change Log to leave a question for the underwriter.
    • A More detailed explanation of the condition may be located under the heading "Condition Details".

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. Expand conditions as described above.
  2. Click the blue "Browse" button for a condition.

    Browse Button

  3. Find your file and either double click it or click it once and then click the "Open" button.
  4. Click the blue "Attach" button.
  5. 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, right side, you'll see the words "Upload images below. To separate images: Click Here". Go ahead and click on the words "Click Here."

    Separate Images

  2. The Scanned Docs window will open.
  3. Click the "Add Documents" button located at the bottom of the form.

    Click the "Add Documents" button.

  4. The File Attachments window will open. In the Document Type drop down field, select "Underwriting Submission Package".

    File Attachments Window -- Select "Underwriting Submission Package"

  5. Type in "Underwriting Submission Package" in the Description field.

    Enter Description of "Underwriting Submission Package"

  6. Click the "Browse" button.

    "Browse" and "Upload" button

  7. Find your file and either double click it or click it once and then click the "Open" button.
  8. Click the blue "Upload" button.
  9. When the file upload finishes, you will see a message stating that the file uploaded successfully.

    Uploaded Successfully

  10. Now close the File Attachments window by clicking the blue "Close" button.
  11. Back in the Scanned Docs window, begin at the top of the form and find the image that you just uploaded.

    Underwriting Submission Package

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

    Assoc.

  13. The "Upload and File Association" window will open.
  14. 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.

      Save Preferences

  15. 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.

      Top of thumbnail turns green when it's dragged to the right place.

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

      Red X means the drag was successful.

    • 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…
  16. 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".
  17. The original file you were using now needs to be marked as “Don’t Use” on the Scanned Docs window.

    Mark original document as "Don't Use".

  18. If you have any more combined images that you wish to upload and associate, repeat steps 3-17 until all “combined images” are associated. (Label the additional images as “Underwriting Submission Package” or “Additional Conditions Received” for the Doc Type. In the Description field, you could type in "Underwriting Submission Package 2", "Underwriting Submission Package 3", etc.)

Submit To Underwriting:

  1. When all the conditions have been fulfilled and the AUS Submission Wizard is completed, the grey "Request Underwriting" button will turn green. Click on that or click on "Underwriting Submission" in the left side menu under "Loan Steps".

    Underwriting Submission

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

    Submit Loan to Underwriting Button

You may now expect speedy underwriting turn times.

 
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