VDT Mortgage · Submission

Client & File

BPD ID *

Hometrac loan IDOpen the loan in Hometrac — the ID is the long code in the address bar between /loans/ and /application. Pasting the whole URL is fine.

Loan officer * Loaded live from the team roster — drives the Hometrac assignee and the DOT push.

First name *

Last name *

Email *

Phone *

Source

Purpose *

First-time buyer *

Date of birth *

Full legal name, as printed on the ID *Type it off the ID. Don't copy what's already in the file.

ID expiration *

Get a current ID now — this holds up closing and there's nothing anyone downstream can do about it.

Previously in process *

Previous closing manager *

Property

Address *Start typing — pick from the list so the components come through clean.

Unit number

Property type *

Loan type *

AMI checked *

AMI percentage *

→ Look up the AMI for this address before continuing.

Non-QM program

Which program *Not "non-QM" — the actual program you're selling.

Qualifying method *

DSCR ratio *

Program minimum FICO *

Reserves required *

Guidelines confirmed *

Check it before you submit.Send Tina the client's situation and she'll point you at a program that fits. That's a short conversation now versus processing spending an hour reverse-engineering which product this was supposed to be.

Confirm with Tina whether there's an exception or a different program before this goes any further.

For sale by owner *

What's online for this address * Pull up the address before you answer.

Property type verified by *

Almost nothing to go on here.With no listing there's no agent and no MLS record that anyone has checked the property type. Pull county records and confirm what this actually is before it goes further — a manufactured home discovered late costs weeks.

Single or double wide *

Property condition *

Ask it this way:"Just to confirm — the home is in decent shape? Nothing missing, no floorboards torn up, no holes in the walls or ceiling?"

Don't order the appraisal yet.If the appraiser goes out to a home that isn't ready, they come back a second time and charge another $250 on top of the $600–800 already spent — and the client pays it. Get the condition sorted first.

These two answers don't agree.You've flagged condition issues but marked the appraisal ready to order. Fix one before submitting.

Contract

Purchase price *

Down payment *

DP percentage *

DP amount *

Loan amount *

Contract date *

Projected COE *

Seller concessions *

Contingencies *

Appraisal Loan N/A

Appraisal contingency date *

Loan contingency date *

Title company *

Escrow officer *

Escrow email on file *

Escrow email *

Escrow phone *

Hybrid e-close *

VDT agent *

Loan amount—

Down payment—

LTV—

Est. cash to close—

Buyer’s Agent

Who is representing the buyer? *

Defaults from the VDT agent answer above. Change it if that’s wrong.

No buyer’s agent

Common on FSBO deals. This submits as an exception, not a block — the closing manager will know there’s only one intro call to make.

Which VDT agent *

Picking the agent fills in their cell and email.

Which VDT Network agent *

Start typing the agent’s name and pick them from the list. That fills in their cell and email.

Agent first name *

Agent last name *

Agent cell *

Agent email *

Brokerage

Pricing & Lock

Lender *

Interest rate *

Rate lock *

Fee type *

Why not locked yet *

Locking by *

Points to disclose *Points on the LE while floating. 0 if none.

Explain *

Lock instruction *

The desk locks against this — no phone call needed.

Client confirmed these ceilings on this call, and knows we lock the moment pricing fits If pricing breaks the ceiling, I make that call — not processing

PMI buyout *

PMI amount *

Escrow waiver *

Pricing exception *

PE points *

Management approval *

Competitor locked LE *

Max cash to close discussed *

Max rate discussed *

Appraisal ready to order *

Appraisal paid by *

Told the client a Reggora payment link arrives within 2 business days of signing disclosures

The link doesn't go out until disclosures are signed, and nothing gets ordered until it's paid. If the client sits on it for a few days you're into the contingency.

Income & Assets

Notes

Processing notes *Fill in under each heading. Leave one blank only if it genuinely doesn't apply.

Tell the story *The context, the risk, the thing you'd say if you walked it to their desk.

Documents & Verification

Contract *

Snip of pricing *

Buyers_Counteroffer_1.pdf · +1 more

Competitor locked LE *

Hometrac access *

Told them to watch their email and Hometrac for document requests

Walk them into it while you have them.Every document request goes to a portal they've never opened. Two minutes now saves a week of a file sitting on a condition nobody knew about.

1003 verified with borrower *

Hard pull complete *

AUS run *

AUS result *

Plan of action *

At risk of losing the loan — are you sure? *