Our Services

Let's work together

I understand you do not get paid unless the loan closes, we work the same way. Fee is due upon ‘Disbursement’ of File. All fees are paid at closing through Title at disbursement, yes, this means Borrower Paid, the Brokers/LO’s pay nothing for our services.

Package A

Disclosures Through Disbursement
Once a Loan Officer completes an initial application with a client (Plus has Purchase Contract if applicable), the Loan Officer is responsible for notifying their Processor with Hancock Processing. We will Import the loan into the Lender’s portal & disclose the initial disclosures within 24 hours to the client. The Processor is responsible for retrieving the initial documents needed from the client if the Loan Officer does not already have them:
• Income
 • Assets
 • ID’s
 • Other Applicable Documents

Then once Initial Disclosures have been signed, we will order Title, Appraisal insurance quotes etc. and submit the loan to Underwriting and see it through Disbursement plus do the Post Close Audit.

Package B

Submission Through Disbursement
The Loan Officer will be responsible for disclosing, verifying the disclosures have been signed and obtaining the initial client docs needed for Underwriting. At this point, the Loan Officer is responsible for notifying their Processor with Hancock Processing the file is ready for Underwriting. Then we will submit the loan to Underwriting and see it through Disbursement plus do the Post Close Audit.

Package A + LOA

LOA/Processor Hybrid
The LOA/Processor would help you set up prequals and preapproval’s on TBD applications, even submit TBD to lenders if needed.
Once the Loan Officer completes the application and pulls the client’s credit. We will collect client documents such income/assets to help calculate income, structure the loan, and run AUS. This will help make sure the client qualifies and is ready to purchase a home. Upon receipt and review of client docs they will turn the file back over to the LO to deliver the information to the client regarding the pre-qualification. Once the Prequal is sent to the client, the LOA/Processor will need a full initial Needs List of items we need back from the client along with the Purchase Contract once they’re under contract. If requested, they will also submit to TBD Underwriting at your preferred lender. Once the client has a purchase contract come in, they will take over from there, run AUS, disclose, and as normal, work the file through funding plus do the Post Close Audit.