Contract mortgage processing
You structure the loan and choose the lender. We take the file from registration through clear-to-close — disclosures, third-party orders, underwriting conditions, and the follow-up in between.
Once the application is complete, the loan is structured, and the lender is selected, we take ownership of the file and drive it to clear-to-close.
Register the loan with the chosen lender, set up the file, and confirm the data matches your structure.
Issue disclosures on time, track e-signatures, and follow up on anything outstanding.
Order appraisal, title, payoffs, verifications, and HOI, then track each one to delivery.
Review underwriting conditions, request the right documents, and submit clean packages back.
Consistent updates so you always know where the file stands without chasing anyone.
Coordinate the final review, CD timing, and closing hand-off with the closing team.
We talk through your loan types, volume, lenders, and how you like to communicate.
We agree on scope, turn times, and pricing before any file is submitted.
We get set up in your LOS and lender portals following your compliance requirements.
Once the loan is structured and the lender is selected, you hand off the file and we take over.
We register, disclose, order, manage conditions, and communicate until the file is clear to close.
Processing is quoted based on loan type, volume, and the systems involved. LOA (Loan Officer Assistant) work is a separate service, priced separately by agreement.
Per file
Best for variable pipelines. Pay only for the files you send us.
Custom quote
Retainer
Best for steady volume. A set file count per month at a predictable rate.
Custom quote
Overflow
Best for peak months, vacations, or covering a processor's leave.
Custom quote
Looking for front-end support instead? See our Loan Officer Assistant services. Weighing a hire against contracting it out? Compare mortgage process outsourcing.
A contract mortgage processor is an independent processor hired on a per-file or contract basis instead of as an in-house employee. You get experienced processing support without payroll, benefits, or fixed overhead.
We process conventional, FHA, VA, USDA, and jumbo files, along with refinances and non-QM programs depending on the lender and program guidelines.
Yes. We work in the LOS and lender portals you already use, with access levels set according to your company's and your lender's policies.
After the loan officer has vetted the application, structured the loan, and chosen the lender. From there we register, disclose, order third-party services, and manage conditions to clear-to-close.
Yes, as a separate service priced separately. LOA work covers front-end tasks like application intake, credit pulls, and upfront document collection.
Pricing depends on loan type, monthly volume, and the systems involved. We provide a custom quote after a short intro call.
Clear to Close. That's the goal.
Send us your file and we'll take it from registration to clear-to-close with steady communication the whole way.