Submission

Within each section below, you’ll find links to detailed instructions along with links to guides and resources designed to support you in every aspect of

End to End Workflow/Milestones Overview 21 Day Close Timeline This is the timeline that the Cooksey Branch commits to getting loans closed, from Qualification to

Who Does What? Providing WOW Customer Service that is the same Every Loan. Every Time. Prior to handoff, Loan Officer responsible for: Pre-qualify, structure, run

Depending on borrower preference, you can take the initial application over the phone or have the borrower complete a Blend application online.  Currently you can’t

Click Here: How To Send Initial Disclosures

Click Here: 4506-C Resource Center Click Here: How to Complete the Request for Transcripts Form 4506-C

Blend Resource Center Blend is a digital mortgage solution that provides an online mortgage experience for the borrower, and creates centralized communication and interactions between

Pre-qualifying a mortgage loan can be tricky, but thankfully CCM has a ton of resources and tools to make it easier on us.  Links to

Click here: How To Add Documents To The File Manager In Encompass

Click here: How to Submit a FastTrack Loan *On the Loan Setup milestone – add the Pre-Processor and Processor* – this will ensure they see

AUS AUS (DU, LP, GUS) to be ran and in the file with an Approve/Eligible or Accept rating OR manualunderwrite to be noted on the

How to Submit a Loan to Processing Complete the necessary file information on the Processing for Order Out page to give set up and/or processing

We will complete the below items on files sent to processing if applicable and info available: USPS Validation Flood cert HOI Flood insurance Condo questionnaire

Broker Channel Standard Operating Procedures This has a ton of information for Brokered loans including how to set up the loan in Encompass and how

Processing Resource Center The Processing Resource Center has a plethora of information, from how to process a loan in Encompass, to income calculators, checklists, and

Click the links below to learn more:  How to Send the Initial CD COC Process – Encompass 1.0  (LE’s and CD’s) COC Process – Encompass

Click the links below to learn more:  Secondary Marketing & Lock Desk Policies and Procedures Optimal Blue Job Aid Lock Extensions – Encompass 1.0 Lock

This is where you can find training, resources and general information on everything with Credco.  From ordering credit reports and credit supplements to requesting transcripts,

TBD

The Cooksey Branch policy is that you must keep your average pricing exceptions below 20 bps over time.  Branch management monitors all price exceptions and

The NOIA letter is a disclosure we are required to provide to the borrower if we cannot make a credit decision within 30 days of

Click the links below: Encompass 2.0 Resource Center – all things Encompass 2.0 specific  Ask CiCi – AI Assistant   Income Calculation Worksheets Requesting a