Frequently Asked Questions

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 The LO is responsible for selecting the lender, loan program, running a credit report (tri-merge), and locking the rate. The LO is required to submit a completed 3.4 MISMO file. The LO will also collect the supporting documentation from the borrower and forward it to us along with the loan package. 

 Yes, you will have a dedicated loan processor. We believe the trust built over time between the LO and loan processor fosters the best, most productive working relationship and gets loan closed faster! 

We use Lending Pad. With Velocity, you can continue using any LOS that exports a 3.4 MISMO file. So no matter what LOS you use, we are able to import 3.4 MISMO file and work on your loan. Once the loan has closed, we will send a 3.4 file to you. 

At the very minimum, you will have scheduled weekly meetings with your dedicated processor. However, if you would like to schedule an additional meeting or need to reach the processor to discuss an urgent matter, we encourage you to do so.  

 Once a file is closed, we provide you with a secure link to an electronic copy of the final package for your records. 

We know you don't work 9-5, M-F and neither do we. We have flexible hours to ensure that you receive the support you need when you need it.