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Loan File Set-Up

Mortgage File Set-up Process

Loan Coordinator Role

Comprehensive notes for conventional, FHA/USDA/VA, and Non-QM loans

Mortgage File Setup Checklist

Document Review & Loan Setup Steps

Understanding the 1003 URLA

Subject Property:

URLA/1003 Application Guide

1003 URLA Lender

1003 URLA Part 1 

1003 URLA Part 2 

1003 URLA Part 3

1003 URLA Assets and Liabilities

1003 URLA Part 4

1003 URLA Review Checklist

Data Entry Best Practices Quiz

Step-by-Step Refinance Setup

Cash-Out Refinance Essentials

Property Type & Occupancy

Mortgage Type Classification

Mortgage Lien Type

Housing Expense Calculator

Communication and Documentation Requests

Recommended File Set-Up Notes to Send to Loan Team

General Needs List

Borrower Identification

Residential Documents

If renting and applying for a Jumbo or Non-QM loan:

Funds to Close (Assets)

Employment Verification

Self-Employed Borrowers:

Real Estate Owned (if any)

Primary Residence – If Rented

Course Feedback

Survey: Course Feedback

Master the critical first mile of mortgage origination with End-to-End Mortgage Loan File Setup: Intake to Handoff Mastery. Designed for loan coordinators, processors, and lending support teams, this practical course walks you step by step from initial intake to a clean, audit-ready handoff. You’ll learn how to structure files, validate core data, identify transaction types, and translate documents into accurate LOS entries that accelerate underwriting decisions. From creating lead sheets and prospect files to confirming property, occupancy, and purpose of loan, you’ll apply a consistent, compliant workflow that reduces rework and turn times. We’ll demystify mortgage structure and terms—fixed vs. ARM, lien position, amortization, HELOCs, VA funding fees—and show you exactly how to calculate and communicate PITIA. You’ll also get proven templates for needs lists, borrower communication, employment and asset verification, and documentation requests across Conventional, FHA, VA, Jumbo, and Non-QM scenarios. Each module includes knowledge checks to reinforce accuracy and speed. By the end, you’ll have a repeatable process flow, a checklist-driven setup, and the confidence to deliver complete, investor-ready files on the first pass.

File Setup

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            <p>Precision at intake and discipline through handoff are the hallmarks of a high-performing mortgage operation. End-to-End Mortgage Loan File Setup: Intake to Handoff Mastery is designed to build that precision in every step of file creation—transforming raw borrower data into a clean, decision-ready loan package. You will learn how the Loan Coordinator anchors the process, from capturing core property and borrower details to structuring terms, calculating payments, and communicating needs to the wider loan team. The course blends concept, workflow, and application so you can set up any file—purchase, rate-and-term refinance, or cash-out refinance—with clarity and speed.</p>

<p>The curriculum moves from foundational understanding to practical execution. You’ll start with the Origination File Set-Up Process Flow and the essential Document Review & Loan Setup Steps, including tools like the Cover Lead Sheet and Prospect File Set-Up. Next, you’ll master core data entry: subject property, purpose of loan, transaction type, property type and occupancy. You’ll then structure the mortgage itself—mortgage type and lien type, amortization, HELOC specifics, key loan terms, VA funding fee considerations, and a precise PITIA breakdown. Finally, you’ll operationalize communication with Recommended File Set-Up Notes, targeted General Needs Lists, and documentation requests spanning borrower identification, assets, employment, self-employment, real estate owned, and rental nuances for Jumbo and Non-QM scenarios. Knowledge checks throughout reinforce retention, and a closing survey captures your feedback for continuous improvement. By the end, you’ll be able to intake, organize, and hand off impeccably prepared loan files that accelerate underwriting and elevate borrower experience.</p>
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