Step 2: Generating Your Initial Disclosures

Getting Started

Step 1: Registering Your Loan
Step 2: Generating Your Initial Disclosures
Step 3: Submitting Your Loan
Step 4: Requesting Underwriting Condition Review
Step 5: Requesting Closing Disclosures and Closing Docs
Step 6: Funding Your Loan
Key Tasks: Locking Your Loan

The Process

If you are preparing your own Loan Estimate, please skip to Step 3: Submitting Your Loan.

Setting the Closing Costs

On the Closing Costs tab, add all fees and fee amounts. This includes the Credit Report, Appraisal fee, Title/Escrow fees, and Recording/Transfer Tax (if applicable).

IMPORTANT: If you can't find a fee that you would like to add, contact our Disclosures Team at

Generate 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 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 Your Initial 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 Disclosure

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 & Returning the Initial Disclosures

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.

The Written List of Service Providers and Anti-Steering Disclosure are not included in the disclosure package and must be uploaded at submission. You will need to generate these documents separately to provide them to the borrower. 

If using the First American Title Integration, the Written List of Service Providers will be included in the disclosure package.

First American Integration

The First American integration is disabled by default. The First American integration will automatically populate all Title and Escrow fees upon registration and generate the Written List of Service Providers in the initial disclosure package. Even if First American is initially disclosed, you can change the Title and Escrow Company without fee tolerance violation if your borrower chooses a different Service Provider.

If you would like to opt-in to the integration, please inform your Account Executive or your Account Manager. Their contact information is listed under Junior Processor in the Status and Agents tab of your loan.

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, Step 3: Submitting Your Loan.


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