Borrower
Property
🪪 Borrower profile
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📋 Loan details
💳 Credit
👥 People on this file
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Switch the primary borrower, or add, edit, and remove co-borrowers.
🏠 Insurance agent
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🏛 Title & Escrow
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📐 Appraiser
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Add title contact
📋 Processor steps Internal workflow Show ▸
Your behind-the-scenes pipeline. Steps go in order — you can override, but it takes a deliberate confirm so no one skips ahead by accident.
Checks all 3 shared inboxes (last few days) for every client — takes ~30-40s. This also runs on its own every few hours; click this to check right now instead of waiting.
✓ Checked — nothing new
📋 Conditions Underwriter requiresHide ▾
What the lender needs to clear this loan to close. Drag across Outstanding → In progress → Cleared.
0 of 0 cleared
0% · path to clear-to-close
＋ Filters
Outstanding0
In progress0
Uploaded0
Cleared0
What cleared this condition?
Cleared means the lender/underwriter accepted it, waived it, or it no longer applies — not just that a document was received.
Why is this being reopened?
This was already marked cleared — pick a reason so the record stays accurate. The borrower is never notified about a reopen.
Mark cleared from a lender list
Paste the lender's email or update below, or upload their cleared-conditions letter — anywhere it mentions one of this file's UW numbers, that condition gets matched. You'll get a chance to review before anything actually changes.
🚫 Decline this file
Marks the file declined and records why, as its own structured fields on the client record — easy to find later, and a clean signal for a Zapier/Make/GoHighLevel automation to pick up once that's wired up.
🔗 How this connects
Where a change here shows up, and what leaves a paper trail. This is the one place kept accurate whenever the wiring itself changes.
Processor steps
✓ Check off a step
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Loan Stage moves forward*
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Borrower Portal status page updates
*Only the steps listed below move the Loan Stage — and only forward, never backward, and never past a stage someone locked manually from Borrower Portal Admin.
Every check, un-check, or blocked-flag on any step writes a line to this file's Activity Log — no exceptions.
Conditions
Marked Cleared
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Activity Log entry
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If it's the borrower's item: they get an email/text + it shows "Recently cleared" in their portal
Works the same whether it's cleared one at a time, in bulk, or from Borrower Portal Admin. Reopening a wrongly-cleared item removes it from the borrower's "Recently cleared" list and puts it back on their active list — but it can't recall a notification that already went out.
Borrower Portal Admin overrides
You change something in Borrower Portal Admin
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Writes to this SAME file — not a separate copy
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Activity Log notes it came from Borrower Portal Admin, with your reason
There's no separate "override flag" fighting the Suite for control — whichever tool you save from last is simply what's true, exactly like two people editing the same file.
✅ Tasks Your to-do listHide ▾
Things your team does for this client (call borrower, order appraisal) — separate from the underwriter conditions above. Drag across To do → Doing → Done.
No open tasks
To do0
Doing0
Done0
📁 Documents FilesShow ▸
Open the Google Drive folder, or add quick-view files to read right here.
🔗 Shared with borrower — the borrower can see and download these in their portal. Use this for documents carried over from a prior system, or anything you want them to have a copy of.
📬 Exchanges Scan rulesShow ▸
Customize what the automatic lender-email scan looks for. Running the scan and reviewing what it finds both happen from the Condition Queue card up top.
📬 The real scan checks all 3 shared inboxes automatically every few hours, or on demand — use "📬 Check for New Conditions" at the top of this page. Whatever it finds shows up right there for review, so this tab is just for tuning what it searches for.
🧠 Scan rules — keywords / phrases / subject patterns the scanner looks for
Drag a card across columns, or use the buttons. Owner + dates + notes save in this browser for now — they go shared once the file is wired to Airtable.
Add condition
Type a lender condition into this borrower's file. It saves to this tracker.
⚡ Quick add
Get ahead of the lender — tick the standard items you already know are coming. Each one is added as its own outstanding condition for the borrower.
💬 Ask the borrower a question
Reusable for anything you need to ask — title company, occupancy, entity details, or your own custom question. It shows up in their portal as a clean task card, they answer right there, and the answer lands back on this condition automatically.
Preview — what the borrower sees
Credit & documents
Tri-merge credit scores, the pull date, and the link to this client's Google Drive folder.
📎 Add file
🔗 Match to a condition
📅 Scheduled Queue
Everything queued to go out for this file. Review, open in Gmail, or remove items before they send. See every client's schedule & reminders →
⚡Actions⌄
📑 Send broker agreement
Fees auto-fill by state — review, override if needed, then send for e-signature. The client gets it to sign, and is notified by email.
Points, broker fee & processing here stay in sync with the file's Deal economics — change it in either place.
📄 Deal Sheet
Build a deal sheet to shop this deal to lenders. Pull from a call, or fill it in — then check it, print the branded sheet, and send to your AEs.
Borrower & Property
Refinance (if applicable)
Purchase (if applicable)
Loan & Credit
Owner-Occupied ATR & Notes
Shop to account executives
⚙ Edit processor steps
Rename, remove, reorder, or add steps. Changes apply to all files immediately — completion checkmarks stay put, only the order and names change. Tick 🔒 Sign-off on any step to require a confirmation tap before it can be checked off. (Tip: the little box is the icon — any emoji works.)
⚡ Edit quick-add tasks
These are the one-click tasks in the ⚡ Quick add menu, shared by the whole team. Use
{borrower} anywhere in the task text — it's swapped for this borrower's name. Reorder, rename, remove, or add your own.⚠ Hold on — out of order
👥 People on this file
The primary borrower is who the loan goes under — switch it if, say, only the husband qualifies. Add co-borrowers who are also on the loan. Pull anyone from your GHL leads, or just type them in.
Primary borrower
Co-borrowers
📞 Phone application
Build the application from this file. It prefills everything already in the loan file — borrower, property, loan, credit — then, if you pull or paste a call, it layers in whatever was said on the phone. It flags what's still missing, and you can create a 1003 worksheet to copy into Arive. A transcript is optional.
✉ Draft an email i
The copilot writes it in your style — bulleted, only what's outstanding. It appears in the chat below, with a 📧 Open in Gmail button to send it. Tip: to email the borrower anytime, use the ✉ Email button in the ⚡ Actions dock.
📅 Reschedule closing
Pick the new date and a quick reason. It logs the change to the Activity Log and counts how many times this file's closing has slipped.
📌 Quick notes
At-a-glance stuff to grab fast — a phone number, a social, a reminder. Newest note first; click any row to open or edit it.
📝 Memo to underwriter
Explain a condition or answer what the underwriter is asking. The AI drafts it as a clean memo from your notes — preview, tweak, then save to this file's Documents (or print to PDF).
✎ Memo signature
One shared signature for the whole team — saving here updates it for everyone who uses the Memo feature. Automatically added to every printed/PDF memo.
🪪 Borrower profile
Sensitive info — the SSN stays masked on the file. You can pull these straight from a call transcript.
✨ Smart Autofill
Drop in anything — a credit report, driver's license, loan estimate, call transcript, or typed notes. I'll read it and sort each detail into the right section. You review before anything saves.
📇 Edit contact
The client's main email and phone — used for emailing, texting, and the congrats sender.
🎉
This client is funded!
What do you want to send? Both are ready-made templates — pick one, edit if you like, then send.
✉ Message
For this client. Standard template — edit anything, then send. Nothing sends on its own.
📧 Email
Insert— click a field, then a chip. {first} = borrower's first name · {reviewurl} = their review link.
💬 Text message
Insert
📄 Full transcript
Paste or read the full call transcript for this file. When you're ready, send it straight to Smart Autofill to populate the whole file.
📋 Title & Escrow
Pick the title company for this file, then open escrow — your engagement letter is filled in from the loan automatically.
📤 Open escrow
Your engagement letter, filled from the file. Email it to the title company, or print the branded letter to attach.
📨 Send Portal Invite
Choose how to send it. This is exactly what goes out, in the same branded design every time.
Always includes: The Funding Clinic header, the green "Open My Portal" button with the secure link, and your email signature.
✨ Shorthand: type {first}, {name}, or just XX anywhere (subject or message) and it becomes this client's name automatically. The email already opens with "Hi [first name]," on its own — but if you write your own greeting, we skip the automatic one so they're never greeted twice.
📋 Prep for Arive i
Structured conditions output — copy and paste into the Arive portal. Each condition shows who it belongs to.
💬 Text
Texting through Quo — sends from your TFC number. If a client has more than one number, pick which one below.
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✉ Send client update i
A quick "what to expect" note for the borrower — edit anything, then send by email or text. Or close.
📧 Email
Insert— click a field, then a chip. {first} = borrower's first name · {conditions} = bulleted list of the selected conditions · {party} = who it's going to (e.g. Title). Use these in a saved template and they'll refresh with live data every time you load it.
💬 Text message
Insert
⚙ Customize Actions
Drag to reorder. Pick a color. Uncheck to hide.
🏠 Insurance
What would you like to send?
📧 Mortgagee Clause Email
Pre-filled from the file. Pick a lender clause below, then copy or send.
Select lender clause
✏ Email Signature
Automatically appended to all emails sent from the suite. Use plain text.
📐 Appraiser
Pick the appraiser for this file — their contact info stays connected to your Appraiser directory, so updating it there updates it here too.
Loan details
These fill the pills at the top of the card — amount, rate, lender, rate lock, and more.
PITI auto-calculates from loan amount, note rate, term, and monthly taxes/insurance/HOA. You can still type a PITI to override.
Leave expires blank — the card shows an approximate ~120-day DSCR expiration from the received date. Set a date only to override it.
Edit deal
Closing, points, revenue, and funded status for this loan.
Add task
A to-do for this client — separate from the underwriter's conditions.
📥 Add conditions
📎
Drop one or more PDFs or photos here
or