Uploading Underwriting Conditions

Once the initial decision has been rendered, you will receive an email with the loan approval or loan suspense certificate, listing all the outstanding conditions.

To upload your condition documents, you can either directly upload to the conditions or upload them in bulk.

Direct Upload to Conditions

To upload your documents directly to conditions, click Conditions from the loan navigation.

Drag and drop the document and click Local Drive browser for the document to attach to the condition.

IMPORTANT: We are not automatically notified when these documents are uploaded.

Bulk Upload to Conditions

To upload your conditions documents, click Documents from loan navigation.

IMPORTANT: We are not automatically notified when these documents are uploaded.

You can Drag and Drop or click Browse for files on the document labeled, *2 Upload Underwriting Conditions.

IMPORTANT: Your uploaded documents will remain within *2 Upload Underwriting Conditions moving forward. 

Marking Conditions are Ready for Review

You can mark a condition as Ready for Review to communicate what conditions you are satisfying. Your team and ours can use this to visibly see which conditions are outstanding and which are ready for review.

When documents are uploaded, click Ready for Review on the condition.

IMPORTANT: This does not notify your Account Manager immediately. You will still click Notify Lender when you are ready for underwriting review.

Requesting for Underwriter Review

Submitting all the conditions at once will expedite underwriting review. When you have uploaded all condition, click Notify Lender to submit for condition review.

IMPORTANT: After clicking Notify Lender, any additional documents should emailed to your Account Manager for review. You will not be able to upload additional documents during Resubmitted.

Adding Comments for the Underwriter

To add a comment on a condition, click the comment bubble on the condition. 

Enter your comment, click Add Comment to save, and click Close to exit. 

What's Next

The loan status will change to Resubmitted. Your underwriter will review the uploaded conditions within the current turn times. Once completed, an updated loan approval or loan suspense certificate will be emailed and your loan status will revert to Approved or Suspended if any PTD conditions remain. Repeat the above step if any additional condition review is required.

IMPORTANT: We recommend uploading all your documents prior to requesting review. Any conditions uploaded after the request is submitted may not be reviewed at the same time.

Your loan will be Cleared to Close once all PTD conditions have been met.

Requesting the Initial Closing Disclosure

You will have the option of requesting for JMAC to draw your docs or drawing your own docs. Please read Step 6: Ordering Docs or Submitting for Purchase Review to understand the next steps. 

If JMAC will be drawing your Docs, you can request the initial closing disclosure. You do not need to wait until all PTDs have been cleared.