Document ‘Stacking & Indexing’ are most important tasks before carried out further processes. ‘Stacking & Indexing’ will be become as an input of next level of the process. The documents which we receive will not be in order. In the stacking process, all the documents will be stacked as per the client’s checklist. Our team ensures to assemble all required documents and keep all documents in set order. So that all required documents in set order will save the time of next process. A single file contains several numbers of documents that must be placed in exact order before submitting to the lender for further course of action.
These files are used by the lender’s underwriter to review the documents in the order which is unique to the company, firm on individual’s investor for a loan to be underwritten, first the document should be stacked in correct order. The stacking order helps the underwriter to complete the file at the earliest. Then the underwriter can easily locate the loan document whichever he wants to use for underwriting the loan or can take the loan decision by reviewing the documents.
The stacking order process is based on the mortgage process or cycle. These stacked order files are used in Loan Origination, Underwriting, HUD-1 Settlement Statement, Review Process, Closing, Post Closing process etc.
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