⭐ The "6 pieces" — get these and you have an application
Borrower name · income · SSN · subject property address · estimated value/price · loan amount. Once you have all six, a complete application exists — the Loan Estimate clock starts (3 business days). Capture these first.
A · The 6 + contact
B · Loan basics
C · Income & employment
D · Assets & credit
Don't pull credit until you have authorization. Tell the borrower: don't move money around. Which account(s) are the down payment + closing costs coming from?
E · Notes
Copied — paste into LendingPad / your recap email
F · Documents to request (by income type)
Everyone
Government ID · authorization to pull credit · purchase contract (if under contract)
Assets: 2 months' statements for down payment / closing / reserves (all pages); gift letter if gift
2 years' personal + business tax returns (all schedules) · YTD P&L
Or bank-statement program: 12/24 months' personal or business statements + business narrative
1099 / gig
1-2 years' 1099s · 30-day YTD earnings proof
Retired
Award letters / 1099s / pension or SS statements
DSCR / rental (investment)
Lease(s) or market rent (1007) · annual taxes, insurance, HOA · mortgage statements on other rentals · entity docs (operating agreement + EIN) if LLC
G · Convert the call → application
"Sounds like we've got a real path here. Easy next step: I'll send you a secure application link to complete — takes about 10-15 minutes — and then I'll review it with you and pull together your quote. What's the best email?"
If your LOS link is live → send the application (1003) link now.
If access isn't sorted yet → capture everything above on this sheet, tell them the link is coming, and enter it in the LOS the moment you're in. Don't lose the deal waiting on a login.
Same-day: recap email + the document list above + next steps.
On the call: no rate/APR quotes · no "you're approved" · "not a commitment to lend." Talk qualification & structure; confirm numbers in writing after the application.