This step is optional. If you are preparing your own Loan Estimate, please skip to Submitting Your Loan.

Upload Your Documents 

If JMAC will be doing your disclosures, upload a Settlement Service Provider List (SSPL) and Estimated Settlement Statement or Pre-CD.

To upload a documents, click Documents from loan navigation.

You can Drag and Drop or click Browse for files on the document labeled, *Upload Loan Package.

IMPORTANT: Your uploaded documents will be split into the appropriate document type once you save the loan. You will no longer see your previous upload in *Upload Loan Package.

Setting the Closing Costs & Requesting Initial Disclosures

To setup your closing costs, click Loan Estimate Fee Management. 

Scroll down to add all fees and fee amounts, including the Credit Report, Appraisal fee, Title/Escrow fees, and Recording/Transfer Tax (if applicable). Check out the Approved Fee List to review all the fee we provide.

IMPORTANT: If you can't find a fee that you would like to add, contact our Disclosures Team at disclosures@jmaclending.com. 

When you have completed entering the fees, click Request Loan Estimate. The button will only be available the same day of the Application Date. If the button is greyed out, update your 1003 Interview Date or contact our Client Support or your Account Manager for assistance.

IMPORTANT: Do not select a compensation option as you will get an error message. You may clear the error by refreshing your page and re-entering any unsaved fees before trying again.

If any additional information is required, an error will appear requesting for the missing information. 

If you are missing data points like borrower email, LO licensing, etc., the fields will pop-up for you to complete. 

If you haven't re-issued credit, registered a program, or complete the government monitoring information, you will be directed to run the integration or complete the data on the URLA pages. 

What's Next

The Disclosure Desk will review the file after the request is made. They will contact the Processor and Post-Closer for the point or rebate that should be displayed on the Loan Estimate. If your company hasn't requested loan docs from JMAC in the past, we will also require a confirmation of company information to print on the disclosures. Once confirmed, our Disclosure Desk will send e-sign disclosures to the Loan Officer and each borrower. We will disclose no later than the third day following the application date.

When the signed package is returned, you are ready to upload the rest of the submission package and submit the loan, Step 3: Submitting Your Loan.

E-Signing & Returning the Initial Disclosures

An email will be sent from disclosures@jmaclending.com to the Loan Officer and each borrower with a link to e-sign disclosures. To learn more about borrower esigning disclosures and disclosure notification, read eSigning Initial Disclosures. 

The completed package will automatically upload to JMAC once all parties sign. During the e-sign process, borrowers are instructed to print out the Borrower’s Authorization and SSA-89 forms, wet sign them, and return them to their Loan Officer. Upload these wet signed disclosures to before requesting submission. To learn more about Uploading Your Documents. 

On the Disclosure Tracking page, you can view the details about the issued, sent, consented and signed disclosure information for all disclosures sent.

To learn more about submission, read more Step 4: Submitting Your Loan.