Docs, uploads & Arive conditions

Overview

Danielle owns two things in this phase: the back-office conditions assigned to her, and — once everything is cleared — packaging the whole file back to underwriting. The resubmission is hers regardless of who cleared what.

Danielle's conditions

Everything that doesn't require the borrower:

• Title — commitment issues, payoff figures, vesting corrections, exceptions that need clearing, seller-side documentation
• Appraisal — value conditions, repair requirements, re-inspections, appraisal corrections
• HOI — binder or policy corrections, coverage amount adjustments, mortgagee clause fixes
• Invoices and fees — final invoices underwriting needs for the file
• Lender portal items — anything satisfied by data or documents on our side rather than the borrower's

She works these against the same status ladder — collected when the item arrives, ready to send once she's confirmed it satisfies the condition.

Resubmission: the batch rule

This is the most important mechanic in the phase, and it's counterintuitive if you're used to sending things as they arrive.

Nothing goes back to underwriting until every condition in Arive is marked "Ready to send." Not the borrower's items as they trickle in, not title the day it clears. Everything, together, once.

Then:

1. Confirm every condition is at Ready to send — that's the gate
2. Download all documentation attached to each condition from Arive
3. Upload the complete package back to the underwriter through the lender portal

Why batch: most lenders prefer it. Piecemeal documentation means the underwriter picks the file up, reviews one item, sets it down, and picks it up again days later — each touch a new place in their queue. One complete package gets one clean review. We collect everything from every source — borrower, title, appraisal, insurance — in Arive, then submit it all at once.

Expect another round

A typical file cycles about one extra time: resubmit → underwriting reviews → a few new or re-requested conditions come back → clear those → resubmit → Clear to Close.

When a second round comes back, it's the same process from the top: Danielle reads the new conditions, enters them in Arive, categorizes, assigns, and the split repeats. New conditions on a second round are often re-requests — something submitted the first time didn't satisfy the underwriter. Read those carefully; the underwriter is telling you specifically what was wrong.

Common pitfalls

Resubmitting before everything is ready

A partial package invites a partial review and usually a fresh round of conditions. The gate exists for a reason.

Conditions in the portal that never made it into Arive

Because the mirroring is manual, a missed condition is invisible to the team — it just doesn't exist in the working copy. Before resubmitting, cross-check the Arive list against the lender portal's list. They should match.

Marking ready to send without reviewing

Same failure mode as Hunter's side. A document that arrived isn't a condition satisfied until someone confirms it actually answers what was asked.

Silent stalls

A condition waiting on a third party — title, the appraiser, an insurance agent — can sit for days without anyone noticing, because the status doesn't change. Chase third parties actively; they don't know your closing date.

What happens next

Once underwriting accepts the resubmission and all conditions are satisfied, the file moves to Clear to Close — and Emily takes over.

Who to ask if you're stuck

A condition that seems wrong or impossible to satisfy: the lender's account executive.
Anything borrower-facing: route to Hunter.
Income, structure, or qualification decisions: the LO on the file.
Whether to resubmit with something outstanding: Bryce — the answer is usually no, but there are exceptions.