Underwriting Loan Comparison Guide
A Comprehensive Guide by The Housing Assistant
Underwriting Best Practices
This guide provides best practices for mortgage underwriters to ensure consistent, compliant, and efficient underwriting decisions. Use this as a reference to avoid overconditioning, mitigate risk, and maintain investor confidence throughout the loan lifecycle.
What to Expect During the Mortgage Process
This guide walks you through each step of the loan journey, so you know what to expect, what documents you’ll need, and how to stay ahead of the game.
TRID Timeline Tracker
This guide simplifies the TRID timing requirements into a clear, visual timeline. TRID (TILA-RESPA Integrated Disclosure) compliance is essential to avoid costly delays and ensure a smooth borrower experience.
Mortgage Underwriter Onboarding Guide
This onboarding plan was created to assist THA subscriber organizations in training new mortgage underwriters. It outlines a one-week training schedule, key risk areas,
performance expectations, and how to effectively use THA’s suite of underwriting tools and guides.
Mortgage Processor Onboarding Guide
This onboarding plan was developed to help mortgage companies efficiently train and scale new mortgage processors. Whether your processor is entry-level or transitioning from another role, this guide outlines a structured 1-week training roadmap, performance expectations, and THA resources to maximize onboarding success.
Mock File Template: Loan Officer & Processor Training
This mock file template is designed for new Loan Officers and Processors to practice
assembling and reviewing a complete loan file. It simulates a real-world submission, promoting familiarity with loan documents, stacking order, and investor expectations—without the pressure of a live borrower.
Loan Officer Status Update Template
This guide includes ready-to-use email and phone templates to keep your borrowers,
agents and teammates informed.
Loan Officer Onboarding Guide
This onboarding guide was designed for use by THA subscriber organizations to streamline the training of new loan officers. It outlines a one-week structured onboarding plan, expectations for production milestones, key risk areas, and the THA resources to support success in this front-facing, compliance-critical role.
Loan Officer Licensing Checklist
This checklist is designed to assist mortgage companies and professionals in ensuring that a new Loan Officer is fully licensed and compliant before originating loans.