1. Always label attachments accurately in emails.

2. Always put in the subject line what is in the attachments you are sending.

3. Never put more than 1 requested item in an attachment with another requested item. Keep them all seperate so they are easy to find if UW asks for the same item twice.This happens often.

4. Always use email if you have questions once the file is in process. The question can go in the file or it can be forwarded to UW for clarification. In Real Estate, everything must be in writing. Do not call to verify if we received an email. Simply send a "return receipt request" and we will send it back so you know we received it.It is 2021 now, email actually works unlike 1980.

5. Print your initial Needs List, Gather your Items and check them off of the list and Send them all at once. It is more efficient to “bulk email” your requested items, instead of piece mailing it.Once title work has been received and reviewed, there may be additional items requested.

6.Most recent full credit reports (all pages) with all 3 scores for prequalification. This way you can shop us without dinging your credit.


If you don't have a real credit report use this link. It also has a credit simulator which tells you what to do to increase your score and it is amazing. I have seen "B" paper clients turn into "A+" clients in 48 hours.

https://premium.meridianlink.com/smartpay/SmartPay.aspx?uid=41f2bd87-a714-44ea-8b7a-9aa50679903b


 
By doing these simple processes the loan will close much faster and with much less frustration and double work. After 25+ years of doing this, I have seen it all. This will help smooth out the process and speed up your loan closing. Organization is key when doing mortgages.