Ordering/Re-Issuing Credit 

Video Tutorial

Step By Step Tutorial

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 Order Credit. 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  or delete and replace existing liabilities by clicking on Delete and Replace Liabilities. Click Import to continue.

For AUS FAQ article, Click here 

Registering Your Loan 

Video Tutorial

Step By Step Tutorial

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.

Pre-Locking

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.

What's Next

After your loan is registered, you can choose to request JMAC's Disclosures or submit to JMAC.

1. To generate JMAC Initial Disclosures, please read Step 3: Generating Initial Disclosures.
2. If you will be generating your own disclosures, please make sure that your fees match JMAC our disclosure generator 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.