**This article is for requesting the CD starting on 8/3/26. For the previous process, please click here.

CD Request Eligibility

Once a loan is approved, locked, and an appraisal has been ordered, the Loan Officer and Processor will receive an email notification that the CD is ready to request through JMAC Connect.

Open the loan in JMAC Connect and navigate to the CD Request page.

The system will validate that all CD requirements are met. If any issues are identified, a message will be shown like the example below:

To learn more about CD requirements and these messages, see CD Request FAQ.

Service Providers

Confirm all loan information is correct, then click Provider Selection. A Title/Settlement selection is required. Start typing in the Company Name field to search the database of providers.

The provider disclosed on the Initial LE will show Did Not Shop after the provider name.

IMPORTANT: Using the originally disclosed provider may impact tolerance limits.

Continue to the Escrow Provider and Attorney Provider selections. If either is on the loan, choose Yes in the Provider on Loan? question and choose the relevant company.

If the provider doesn't exist, click the Manage Providers button to create a new entity. To learn more about creating and updating service providers, see Managing Providers.

Once complete, click Fee Updates to proceed.

Reviewing CD Fees

Existing fees will populate to the fee itemization. Certain fees can be edited by clicking the Pencil icon next to the associated fee. To delete a fee, click the X button next to the associated fee.

Any Section B fees that will be collected at closing should be indicated as PAC (Paid at Closing). To do so, edit the fee and enter the correct amount in the Buyer Paid At Closing field. Then, click Save Fee.

If any fees are missing, click Add Fee, click into the Fee Name dropdown, then type a keyword to search.

Once selected, an amount must be entered into Borrower Paid At Closing and/or Borrower Paid Outside Closing (Seller options will also be available on a purchase transaction). Once entered, click Save Fee to apply.

When all fees are accurate, click Closing Information.

Closing Information

You will be asked for various details regarding the loan closing. All required fields are indicated with a red asterisk. Certain selections may prompt additional questions. Examples include:

• We will require an invoice for any non-Title fee in Section B (such as a Credit Report Fee)
• If the loan is Signed as a POA or in a Trust, we ask for that documentation to be uploaded
• If the Seller Credit or Earnest Money Deposit on a purchase transaction is indicated as incorrect, we will ask for updated documentation.

For any document request, click Choose File to browse your computer.

We will attempt to accommodate the selected Estimated Closing / Signing Date, but the date is not guaranteed. Any additional information or requests (such as prorations) should be added to the Notes section.

Once all required information and documentation has been entered and uploaded, click Preview CD.

IMPORTANT: The system may take up to 1 minute to generate the CD preview and compliance results.

CD Preview and Compliance

The system will generate a CD preview and return compliance findings. Please scroll through the CD preview to confirm all fees, dates, contacts, and loan information was processed correctly.

Click Compliance Results to review compliance findings. 

Red error messages indicate an issue that will likely need to be resolved. In the example below, there is a 10% tolerance violation that will likely result in a cure.

If anything needs to be changed, click Change Inputs. This will take you back to the first page of the process

IMPORTANT: Changes made will be retained when editing inputs.

There are two options for requesting the CD:

• CD Team Review - expanded review and updates, 1 business day
• Express CD - send the CD as shown in the preview, 3 business hours (cutoff at 3pm Pacific)

To request the CD Team to review the CD, make any additional requested changes, and send a revised CD preview, click Request Lender Review & Preview.

If the CD Preview is accurate and you'd like to use Express CD, click Approved Preview Below (Express CD).

IMPORTANT: Loans are only eligible for Express CD if there are no compliance fails.

Your information will be saved, and your request will be placed in line for review based on current turn times.

When your loan is Clear to Close, the loan status will change to Docs Ordered. When the Doc Drawer emails the docs to the assigned Processor, the loan status will change to Docs Out.

Uploading Purchase Review Documents

Once the docs are signed, upload them to documents and submit for Purchase Review. To upload your purchase review 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, *3 Upload Purchase Package & Purchase Conditions.

IMPORTANT: Your uploaded documents will remain within *3 Upload Purchase Package & Purchase Conditions moving forward. 

Submitting for Purchase Review

When all documents have been uploaded, click Request Purchase Review under Loan Actions. 

Click Continue to confirm the purchase review request. 

What's Next

The loan status will be updated to Purchase Review Submitted. Our credit, compliance and purchase auditors will review the file and determine if any suspense conditions are required to purchase.

To learn more about the purchasing process, please read Step 7: Requesting Suspense Condition Review.