
Sonya Haedo
Founder and Clear to Close Specialist

Clear to Close. That's the goal.
From file setup to clear-to-close, we manage every detail so nothing slips through the cracks — so you can close faster, stay compliant, and focus on generating more deals.
Tired of chasing documents, managing conditions, and babysitting files? We provide the processing support you need to close faster — without hiring in-house staff.
Services
A complete back-office for loan officers and brokers. Plug us in where you need us most — one file or your entire pipeline.
We manage all communication with borrowers, title, insurance, and agents so you don't have to.
Conditions, payoffs, VOEs, insurance, and verifications — collected, reviewed, and organized.
We ensure every file is complete, compliant, and ready for underwriting the first time.
We order title, request quotes, and balance the CD so your closing timeline stays intact.
You focus on origination and relationships. We handle the processing behind every file.
Consistent status updates and clean hand-offs keep every file moving from setup to clear-to-close.
Why outsource
You built your business to originate loans — not to chase conditions. We take the operational load off your desk so you can spend your time where it moves the needle.
Close more loans without increasing your workload
Scale your pipeline without increasing overhead
Eliminate the cost of hiring in-house staff
Reduce errors and last-minute conditions
Focus on generating new business, not chasing paperwork
Maintain control of your pipeline without every detail
Who we work with
We've supported hundreds of successful closings by keeping files organized, compliant, and moving efficiently from start to finish — whether you're handling a few files or managing a full pipeline.
Mortgage Brokers
Full processing so you can grow without hiring.
Loan Officers
A dedicated back-end for your pipeline.
Correspondent Lenders
Consistent, compliant file management.
Real Estate Investors
Coordinated closings across multiple deals.
The team

Sonya Haedo
Founder and Clear to Close Specialist

Yvette Lopez
Processing Coordinator
Why loan officers choose J & I
600+ loans processed
Fast, consistent turn times
12+ years experience
Multi-state processing
Responsive communication
Bilingual EN / ES

Clear to Close. That's the goal.
Start with one file or your entire pipeline — we'll meet you where you are. No long-term commitment required.