File 01 / Processing
A back office that never lets a file sit.
Full-scope loan processing for broker shops and small lenders. We work inside your LOS, with your lenders, on a desk that runs 24x5: your pipeline is scrubbed overnight and coordinated through your business day.
- IntakeApplication in, disclosures out, vendors ordered
- ScrubDocs reviewed, gaps chased, file packaged
- ConditionsSubmitted to UW, PTD and PTA cleared
- CD & closeCD prepped, closing coordinated
- Post-closeTrailing docs run down, file retired clean
Scope
Everything between the application and the funded loan.
This is not a checklist service. A processor on our desk owns the file the way your best in-house processor would.
- Application intake, loan registration and file setup in your LOS
- Loan documents indexed and filed so anyone can find anything
- Disclosures prepared and sent on time
- Vendor ordering: credit, title, appraisal, insurance
- Document review with a missing-items list the same day
- Pre-underwriting file prep, so nothing bounces at submission
- Condition clearing and lender follow-ups, logged and dated
- File packaging and submission to underwriting
- PTD and PTA conditions worked to sign-off
- CD preparation, doc drawing and closing coordination
- Trailing documents and post-close cleanup
The 24x5 desk
Two shifts. One pipeline.
India hours
The overnight scrub
While your office is closed, every active file is reviewed, missing documents are chased, and packages are prepped. You open your LOS to files that moved, not files that waited.
US hours
Live coordination
Through your business day the desk works borrowers, lenders, escrow and vendors in real time, so nothing stalls waiting for a callback.
Underwriting QC
Loan quality, checked before it costs you.
Alongside processing, the desk runs quality control the way an investor would: files audited before funding so problems surface while they are still cheap to fix, and again after closing so nothing comes back to bite.
- Pre-fund reviews on files headed to the closing table
- Post-close audits for accuracy and compliance
- Reviews of purchased and correspondent loans against your standards
- Targeted audits of a single loan element when that is all you need
- Full-file due diligence when the stakes call for it
Coverage
Your LOS. Your loan mix.
We work in any LOS. LendingPad and Encompass are daily drivers on the desk today; a new system is a training week, not a blocker.
Loan types worked now: QM, Non-QM, DSCR, Jumbo, ITIN, and renovation and fix-and-flip files.
Fee-sheet desk
Fee sheets before the lead goes cold.
A borrower asks what the deal looks like, and the clock starts. Send the desk a listing and the basics, and we return fee options worked up from your own LOS and lenders while the conversation is still warm.
Broker-owners tell us this is the single fastest way we save them deals. It comes standard with the processing desk.
Proof
One broker went from 8 loans a month to 22 on the same lead flow.
Same team, same leads. The difference was a back office that never let a file sit.
The model
Pay for files, not seats.
No retainer, no minimum, no bench of idle staff on your invoice. When you close files, you pay for files. When it is quiet, you pay for nothing. Numbers are simple and we will put them in writing when we talk.
Security is built in, not bolted on: we work inside your LOS with role-limited access and your data never leaves your environment. Read how the desk is secured.