Collect every borrower document before the file goes to the lender
Send each applicant one link for pay stubs, W-2s, bank statements and ID. Reminders cover anything missing, so the file is ready to submit on time.
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Applicant: Jordan Lee
- Two recent pay stubsUploaded
- Bank statementsOutstanding
Co-applicant: Sam Lee
- Driver’s licenseUploaded
- Gift letterOutstanding
The borrower documents every lender asks for
Lenders want income, assets and identity for each person on the loan. List it once per loan type, and borrowers see the whole list on day one.
Documents
- Recent pay stubs for each applicant.
- W-2s, or tax returns if self-employed.
- Bank and retirement account statements.
- Photo ID and any signed gift letter.
Information
- Employers, start dates and any gaps in work.
- Other debts: car loans, student loans and cards.
Three borrower requests worth keeping on file
Build a request for each loan type you write most often. Each borrower then sees only the evidence their loan needs.
Salaried purchase
Pay stubs, W-2s, bank statements, ID and the purchase contract.
Self-employed borrowers
Personal and business returns, a year-to-date profit and loss, statements.
Refinance
Mortgage statement, insurance, tax bill, income and ID.
Applicants upload from their phones, no login needed
Jordan Lee gets one link to the loan file, with a step for each applicant. Jordan uploads pay stubs at work and Sam adds a driver’s license photo from home. Progress is saved, so the bank statement can follow next week. For how requests work across any business, see document collection software.
Your purchase loan: 9 documents
Hi Jordan, there is a step for you and one for Sam.
- Two recent pay stubsUpload
- Down payment source?Answer
- Gift letterUpload
Reminders that complete every borrower file
Set the due date from your lender’s timeline. Reminders list only what is outstanding, so each borrower sees exactly what is left.
- Application day
Request sent
One email carries the link, the list and the due date.
- Before the due date
Reminder for open items
Each outstanding document is named, with a link to it.
- Due date passes
Overdue on the dashboard
The file is flagged, so you see which loan could slip.
- All documents in
File complete
Every document sits with the request, ready for you to review.
See which loan files are ready to submit
The dashboard shows every open borrower request, how complete it is and which are past due. Work the pipeline by what is ready.
Open a file to see the one statement still to come. Then package it for the lender.
- Lee purchasePre-approval documents3 of 5Due in 4 days
- Okafor refinanceFull application4 of 10Overdue by 2 days
- Castillo purchaseConditions before closing6 of 6Complete
Borrower ID and statements, private from the start
Pay stubs, statements and ID for every applicant arrive through their own link.
A personal link for each request. Clients upload and answer without an account.
Private file storage. Uploads are kept in private storage with controlled access.
Reviewed from your account. Sign in to Lead Source to see and open every file.
Kept with the request. Statements, IDs and photos stay together with the request they answer.
Questions mortgage brokers ask
Does Lead Source read or verify borrower documents?
No. It collects what borrowers upload. It does not read figures, verify income or check lender rules.
Can I collect a co-borrower’s documents in the same request?
Yes. Add a step for each applicant, so both sets of documents sit with one loan file.
Do borrowers need an account to upload pay stubs and bank statements?
No. Each borrower gets a personal link by email. A pay stub photographed on a phone works as well as a PDF.
Is this a loan origination system?
No. Lead Source collects borrower documents and answers. It does not process the loan, run underwriting or submit anything to lenders.
Get every loan file complete before the lender asks.
Send your first borrower document request free.
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