Loan officer assembles the documents in your file and reviews your file if there is any document required inform you to provide that so it passes smoothly through the underwriting process.The loan officer puts all the collected documentation in order to anticipate any unusual circumstances that may affect your loan approval and writes a cover letter to the lender that emphasizes your strong points as a borrower.

Once all information put together with appropriate notes, it goes to our loan processor, who check if any additional information the lender may need. This may include verification of your banking , employment and repayment history.If required  he will communicate to gather the information .

Now, your loan is submitted to a lender. The lender sends it to the underwriting department, which reviews the file for compliance with the guidelines specific to the loan program you have applied for .