Prepared Docs for mortgage and lending
The file is complete except for the four things holding it up
Two months of statements, and page three is missing. The pay stub is from the wrong period. The identity document expired last month. Every one of those is a phone call, a wait, and a closing date moving.
Built for brokers, loan officers and processing teams.
Purchase mortgage
Case PD-1063
Submission readiness
29%
2 of 7 required items confirmed by a person
- Government photo ID
- Pay records, last 30 days
- Bank statements, two monthsOutstanding
- Tax returns, two yearsOutstanding
- Employment verificationOutstanding
- Homeowners insurance binderOutstanding
- Purchase agreementOutstanding
Illustration of the case view. Every checklist is one your firm configures.
A checklist per submission
Built around what that submission asks for
One readiness number
Counts what a person confirmed, not what uploaded
An official form library
Blank forms, at the edition currently in use
Your documents stay yours
Delete a case and its files go with it
The reality
What actually arrives
Not the version in the process document. The version that turns up.
01
Missing pages
A statement that says page 1 of 6 and stops at 4 gets returned days later, after somebody has already read it.
02
Documents go stale
A statement that was current at application is out of date by underwriting, and nobody notices until it is asked for again.
03
The conditions list keeps growing
Each new condition is another request, another wait, and another thing to track across a pipeline of files.
What is asked for
What tends to be asked for
Your firm sets its own checklist. This is the shape most of them take.
- Income: pay records, tax returns, employment verification
- Assets: bank and brokerage statements, complete and consecutive
- Identity and residence documents
- Property documents and insurance
- Whatever the conditions list has added this week
What Prepared Docs does with it
- 1
Request exactly the documents the file needs, per borrower
- 2
Incomplete statements, wrong periods and expired identity documents are caught on arrival
- 3
The borrower sees what is outstanding without having to be told again
- 4
Conditions become tracked requests rather than lines in an email
- 5
The file exports complete, named consistently, in the order underwriting reads
One engine
The same work, under a different name
Collect the documents, work out what they are, say what is missing, organise what arrived, build the package somebody has to submit. That sequence does not change between a petition, a claim and a loan file. Only the vocabulary and the checklist do, which is why a firm that works across two of these does not need two products.
Your files stay yours
Every file is stored exactly as it arrived and is never rewritten. Anything the product produces is a new document beside the original, and you can take the whole file out whenever you want, as an archive with an index.
Prepared Docs helps you organize and check documents. It does not provide legal advice, and it is not a substitute for a licensed professional. Always confirm requirements against the receiving organization’s current instructions for your submission.