Using the Disclosure Generator

Thank you for your partnership with JMAC Lending. We are excited for you to try our Disclosure Generator Feature, which will let you generate initial disclosures within our portal by:

  • Setting up your Closing Costs
  • Running the Compliance and Doc Vendor Audits
  • Previewing and Sending your Initial Disclosures

Please reach out to Client Support, your Account Manager, or your Account Executive if you have any questions about the process.

Getting Started

Importing your Loan

Once you have imported your Fannie Mae 3.2 file, review and complete your 1003 on the Application Information tab. Most importantly, verify the borrowers’ email addresses and assign a Loan Officer.

Registering your Loan

To register, navigate to Pricing tab and choose the Application #1 tab to enter manually enter the credit scores.  choose your pricing filters - the Terms, Amortization Type, and Product Type and Price for your preferred loan program. When the results populate, you can register or request pre-lock for your preferred rate and program.

You can re-register for a different loan program until you request lock, request or send initial disclosures, or submit. At registration, your compensation plan will be applied to lender paid transactions. It will not be updated if you re-register.

We recommend assigning a Processor to every loan as a second point of communication. Assign a Processor on the Status and Agents tab.

Setting the Closing Costs

Next, add all fees in the Closing Costs tab. This includes the Credit Report, Appraisal fee, and all Title/Escrow fees.

IMPORTANT: Only fee amounts should be modified. Fee descriptions and compliance settings cannot be modified since these are configured to meet regulation.

Preparing Your Initial Disclosure Package

After adding fees, you can send initial disclosures by navigating to the Disclosures tab.


The Disclosure tab displays important disclosure dates and the disclosure history for every Loan Estimate and Closing Disclosure record. Click Order Initial Loan Estimate to create your initial disclosures.


Compliance Audit

A compliance audit will verify QM, licensing, dates, and fees. If any requirements are outstanding, the Next – Document Vendor Audit button will be disabled. These items can be fixed. For example, a red X next to Application date is less than or equal to 2 business days of current date can be corrected by updating the Interview Date on page 3 of the 1003.


When all requirements are satisfied, click Next – Document Vendor Audit.


IMPORTANT: Verify the borrower(s) and Loan Officer contact information for e-sign.

If any outstanding requirements cannot be corrected, click Request Lender to Complete Order and explain the outstanding checklist item in detail.


Document Vendor Audit

The Document Vendor Audit may take 30 seconds to complete. Review and correct any Warning or Fatal messages as necessary. Fatal messages will disable the Next – Order Document Preview button.


Warning messages will not prevent you from continuing. Click Next – Order Document Preview to generate a preview of your initial disclosures.


If any Fatal messages cannot be corrected, click Request Lender to Complete Order and explain the issue in detail.


Sending Disclosures

The document preview may take 30 seconds to complete. After thoroughly reviewing your preview, click the checkbox for I have reviewed and accept the previewed Initial Disclosure PDF and click Next – Complete Request to send initial disclosures to the borrower(s).


The final disclosures may take 30 seconds to send and a copy of the final disclosures will be displayed.

What’s Next?

Requesting the Lender to Complete Initial Disclosures

If you requested us to complete disclosures, our Disclosure Desk will review the file.  They will contact the Loan Officer and Processor regarding any errors or compliance issues.

To cancel the request, click Cancel Request on the Disclosures page.


Once the loan data is verified, our Disclosure Desk will send the e-sign disclosures to the Loan Officer and each borrower. We will disclose no later than the third day following the application date.

E-signing and Returning the Disclosure Package

An email will be sent from to the Loan Officer and each borrower with a link to e-sign disclosures. The completed package will automatically upload to JMAC once all parties sign. During the e-sign process, borrowers are instructed to print out the Borrower’s Authorization and SSA-89 forms, wet sign them, and return them to their Loan Officer. Include these in your submission package, if available.

The Disclosures tab shows the issued date and delivery method of your initial disclosures. The Received Date populates when the borrowers e-sign.


The Activity Log details when Initial Disclosures were created, sent, consented and signed.


Two documents are not included in the disclosure package and must be uploaded at submission – the Written List of Service Providers and Anti-Steering Disclosure. An exception can be made for the Written List of Service Providers if using the First American Title Integration (see below).

Congratulations, you have successfully sent out Initial Disclosures through our system! Once the signed package is returned, you are ready to upload the rest of the submission package and submit the loan.

First American Integration

JMAC has an integration with First American that is disabled by default. If you use the First American integration, we will be able to include a Written List of Service Providers in the disclosure package with First American fees and contact information. You would not need to use First American as your Settlement Service Provider on this loan, but their quote would appear in the initial disclosures. There is no fee tolerance issue if your borrower decides to use a different Settlement Service Provider than First American. If you would like to opt-in to the integration, please inform Client Support, your Account Manager, or your Account Executive.

Have more questions? Submit a request