AE contacts, processing fees, lender portals, and VA/BPC policy reference — every lender partner in one place.
| Lender | Q1 — Rate Credit → BPC | Q2 — >1% BPC w/ Credits | Q3 — TX 50a6 Offset |
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Use this guide to determine the correct disclosure workflow per investor. Each lender falls into one of four categories based on how the Loan Estimate and disclosures are generated and sent.
Generate the complete disclosure package directly inside the investor's portal. Disclosures can typically be sent without any action required from the lender.
Generate the LE ourselves, but request specific edits from the lender before sending disclosures — typically tax prorations and miscellaneous credits.
Submit a request to the investor to generate the LE and disclosures. Wait for the investor to produce the LE and send it to the LO for review and approval before disclosures are released.
LO uploads disclosure docs directly to the wholesale lender, who generates the LE and disclosures for LO approval before sending. Our NXT Loan Coordinator can assist with handoff after the ITP is signed.