As I was loading a file into underwriting this afternoon, it occurred to me that the majority of the approval process was all done electronically.
I've got a loan request that was initially submitted through my website. I imported all the information into my loan origination system and once I was able to serve a loan program that met my client request, I emailed the disclosures and request for the items needed to secure our final approval.
My client emailed me back the signed disclosures and missing items. A few points and clicks and the whole files is in underwriting. Appraisal ordered, paid for and received all the same way, as was the title work.
Okay, maybe it doesn't take much to make me happy and it's the small things that make my day. Having done the bulk of this paperless and while seated in the comfort of my chair is awesome.
Jason
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