Run a structured preflight check before the file reaches underwriting.

Short answer: A pre-submission review compares the file against a consistent checklist so missing documentation and likely questions can be addressed earlier. It supports preparation but does not replace compliance review or underwriting.

Included resources

• Interactive 7-gate pre-submission checklist (73 severity-ranked checks)
• Auto-built missing-document, risk-flag, and suggested-condition lists
• Printable UW summary one-pager
• Simple and advanced submission forms
• Common-condition reference
• Structured notes for unresolved items

What to check before underwriting

Income

Calculation support, document dates, employment, trends, and unresolved inconsistencies.

Assets

Statement coverage, ownership, sourcing questions, reserves, and large deposits.

Credit and liabilities

Documentation gaps and items requiring explanation or updated evidence.

Title and property

Vesting, liens, exceptions, ownership, and file-specific follow-up.

How to use this instrument

1. Select the relevant file sections and complete each checklist item from the source documents.
2. Record unresolved facts instead of guessing or marking them complete.
3. Use the condition reference to prepare precise follow-up requests.
4. Save the completed review with the file notes and verify all current compliance, lender, and underwriting requirements.

Expected output: A prioritized pre-submission checklist and open-item record. It is not a compliance clearance or underwriting approval.