You have the option to order / re-issue credit before pricing, or to manually enter a credit score. If you choose to manually enter credit, skip to Registering Your Loan.
If you are intending to run Dual AUS, you can order or re-issue credit through Dual AUS. From the loan navigation, click Credit / Dual AUS and click Order Credit.
Select the Borrower Pair, Credit Provider, Order Type, Request Type, and Report Type.
Complete the User Name, Password and Client ID fields and click Next. Depending on your credit company, these options may be different.
Optional: Complete the Reference Number field if you are reissuing credit.
IMPORTANT: you must order credit for all borrower pairs before AUS order can be placed.
Once credit has been ordered, you can append liabilities by clicking on Append Liabilities, replace the current liabilities with the liabilities from the credit report by clicking on Delete Existing and Import New Liabilities, or leave everything as is by clicking Close.
For AUS FAQ article, Click here
Registering Your Loan
From the loan navigation, click Product Pricing & Lock.
Scenario data will pull from the loan application. Verify each section, entering any missing information. Once all pricing information has been entered, click Search.
To view additional rates for a program, click on the green icon next to the program name.
When you've determined an eligible product and rate, click the button in the Actions column.
Click Confirm to register the program.
To read more about advanced options while pricing, read Pricing a Loan.
A lock is considered a pre-lock if it is requested before initial underwriting approval. Pre-locks are available on specific products depending on your company's pull-through ratio.
For more information about locking, read Locking Your Loan.
After your loan is registered, you can choose to request JMAC's Disclosures or submit to JMAC.
- To generate JMAC Initial Disclosures, please read Step 3: Generating Initial Disclosures.
- If you will be generating your own disclosures, please make sure that your fees match JMAC Approved Fee List and validate your Loan Estimate by referencing our Loan Estimate EXAMPLE. Once you upload your signed initial disclosures, please read Step 3: Submitting Your Loan.