Enjoy speedy underwriting by following these 3 easy steps.
If you have any questions regarding a submission, broker support can help. Simply call 800-924-3884.
1. Obtain a loan number by registering your loan in DirectWare. You can import through Calyx Point®, upload an Encompass® (Ellie Mae) Fannie Mae file or a (.FNM) file created in Byte, Genesis or other programs. Or enter the data directly into DirectWare. (Manual submissions are also accepted.)
2. Pull a credit report or reissue your own. Match the credit report with your real estate owned liabilities. Select the best loan program for your borrower.
3. Submit your loan to our underwriting queue. Go to Step 6 in DirectWare, upload your loan submission package, and then click "Submit Loan to Underwriting." Please include the following documents in your upload:
- Initial loan app. (must be signed if SIVA, SISA, No Ratio, NINA or No Doc)
- Signed borrowers' authorization
- Signed 4506-T
- Credit
- If full doc: income and asset documentation
- If SIVA or No Ratio: verbal VOE or proof of self-employment and asset documentation
- If SISA: verbal VOE or proof of self-employment
- Purchase contract
- Title OR Appraisal
*** Bask in the ease of yet another smooth loan closing with Direct Mortgage! ***