VCare Title LLC provides an extensive range of mortgage solutions tailored for mortgage professionals, bankers, brokers, and lenders across the United States. Our services are streamlined and process-oriented, adhering to internationally accepted standards, ensuring that our clients receive the best return on their investments.
Our Mortgage Services Process Flow
Loan Setup:
Document Splitting and Indexing: Efficiently split and index documents into appropriate folders.
Form Completion: Complete 1003 and other forms in the Loan Origination System (LOS).
Loan Processing Support:
Initial Quality Control and Credit Check: Conduct initial quality control and credit checks, and provide pre-approval.
Third-Party Documentation: Order and receive third-party documents such as Title, Verification of Employment (VOE), and Homeowners Insurance (HOI).
FHA and VA Loans: Fetch case numbers for FHA and VA loans.
Document Review: Review complete files and all supporting documents.
Automated Underwriting Systems: Run DU/LP and ensure there are no red flags.
File Submission: Submit the file for underwriting.
Underwriting Support:
Review Reports: Review asset, income, and title reports.
Appraisal Review: Conduct appraisal reviews and request revisions if necessary.
AUS Findings: Review AUS findings and clear conditions.
Final Approval: Provide final sign-off and approval for funding.
Closing Support:
Document Preparation: Prepare and review closing documents.
Clearing Conditions: Clear closing conditions and send closing instructions.
Prelim Document Preparation: Prepare the preliminary document and review the final document.
Closing Coordination: Schedule and coordinate closing.
Shipping/Loan Delivery:
Loan Package Preparation: Prepare and review loan packages.
Document Upload: Upload documents to the investor’s portals.
Loan Delivery Form: Fill up the loan delivery form and submit the package.