I swear I read the Guidelines
If someone wants a blind or privacy trust- who is in position 1 as borrower?
The trust
Client on fixed income, forever home, and mature couple.
30Y Fixed
The first trigger in Salesforce to send lead to an LO/ who creates the lead?
A referral from the RM.
What is the index, tag and alt name for a bank statement from CNB.
Index: Bank statements
Tags: Bank statement CNB
Alternative doc name: CNB #last 4 of account- [Month/day/year]
What are the main screens do you need to update to make a pre-approval go live?
Contact information link
Pricing link
Key Dates
If a client has 5M in an investment account with 1M pledge line, how much can we use for asset dissipation?
$0
Younger borrower, in White Plains, NY, who can only put 3-5% down on their new home, looking for a condo.
Ladder up
If a client reaches out to their banker and wants to make a principal reduction payment- where should the banker go?
Servicing SharePoint
Application date 1/16/2026, what is the last date (statement end date) allowed?
Within 45 days - 12/30/2025
What screen do you update to link mortgage to address?
LOD real estate screens OR URLA 3 (for other property) or 4 (subject property)
If you're working on High-net-worth R/T Refinance (rolling in closing costs), Loan amount 11M- what do you need in post close assets?
5.5M
Client is currently renting their primary residence and purchasing home for 830K with a 640 credit score, and DTI at 49%.
Agency 30Y
What should you do if you see 3M in a Charles Schwab account?
Get partner involved to cross sell
What documentation is needed for a client who is Hourly + commission, + Bonus?
Last 2 years of W-2's (with same company)
Last 2 years of Year End Paystubs (with same company)
Most recent 30 days of paystubs (with same company)
How do you correct when the system shows 2 individual borrowers but they should be joint?
Unlink and relink on URLA.
Guideline that allows for use of assets to substitute income.
Asset Dissipation - Formula:
Transient client, only planning to stay in the home for about 5-7 years, in a stable market and savvy on market trends, wanting lowest monthly payment possible, and has 2 kids.
5Y IO ARM
Partner calls asking what to do if a client wants to payoff and close - where do you direct them?
USMB Partner Resources
What are only 4 states we can upload a complete trust to the system and how do we index and tag?
NY, CA, LA, and HI
Doc Index: Trust Agreement
Tag: Trust agreement
Where do you enter the Name of an HOA
Property information link
If someone says their income is derived from a disregarded entity- where would it be on their personal tax returns?
Either on Schedule C or Schedule E page 1.
Client with 20M outside of CNB in a 401k, looking for a 8M Purchase, with mother-in-law living with family, wanting a big yard and only will live there for 5-7 years, but wanting to pay down principal.
High Net Worth 30Y ARM 5-10 (preferably 10)
What SharePoint would you send an RM to if the client wants a partial lien release?
Collateral SharePoint
What is the document called for an underwriter to verify a client's ability to liquidate private equity holdings?
Redemption Provision
Where to verify and correct additional liens on a property.
2nd screen of pricing tab (loan information tab)