Life of the Loan — Playbook
Application through funded. Click any step for the full how-to.
PHASE 1Phase overview →
A
Application & Pre-Approval
LO ownership · Arive: Application Intake → Pre-Approved
Lead intake & qualifying conversation
First contact with borrower; gather basics; decide soft vs. hard credit.
Take the application
Two paths: phone-taken by LO vs. borrower self-serves via online URL.
Pull credit
Soft or hard pull based on borrower preference; tri-merge in Arive.
Run DU/LP (AUS)
Submit to AUS, review findings, troubleshoot if needed.
Issue pre-approval letter
Generate and send pre-approval; track who has it.
PHASE 2Phase overview →
B
Document Intake
LO curates the needs list · borrower self-uploads · Arive: Loan Setup
PHASE 3Phase overview →
C
Disclosures
LO preps & sends · e-signed within the TRID window · Arive: Disclosure Sent
PHASE 4Phase overview →
D
Handoff to Processing
LO hands off · Hunter runs Pre-W · Danielle starts file setup
PHASE 6Phase overview →
F
UW Decision · Approved with Conditions
Danielle triages and splits conditions · Hunter and Danielle work in parallel
AWC returned — triage & split conditions
Danielle reads the approval letter, then enters and assigns every condition in Arive.
Borrower-facing conditions
Hunter collects outstanding docs from borrower.
Docs, uploads & Arive conditions
Danielle clears title/appraisal/HOI conditions and re-submits to UW.
Pick up the file & clear the CD gate
Get oriented, then work the checklist every lender requires before a CD can issue.
CD issued & the 3-day clock
Auto-generated at UWM, requested elsewhere — then TRID timing governs.
Balance with title & send the final CD
Iterative reconciliation in UClose, LO approval, then the final CD to the borrower.
Signing through funded
Realtor schedules signing; Emily tracks docs signed and the funding wire.
PHASE 9Phase overview →
I
Post-Close
Automated review request at Docs Signed · LO follow-up is inconsistent