Fully bilingual loan processing · English & Spanish
You'll never have to chase us for a status update. We work your file from disclosures to clear-to-close and update you in writing at every milestone. You pay only when it closes.
Built for independent loan officers and small brokerages.
CC-0187: disclosures signed by both borrowers. Ordering appraisal and title today.
Thu, Oct 9Conditional approval is in. 3 conditions: VOE, insurance binder, and an LOE on one deposit. All three requested from the borrower.
Wed, Oct 15All 3 conditions cleared and sent back to underwriting for final review.
Mon, Nov 10Clear to close ✅ Closing package is with title for Thursday.
Let's go! 🙌
Thu, Nov 13Funded. Post-close package reviewed and sent to the lender. Congrats on the closing!
Why Clear Choice
We handle the detailed, time-consuming work so your team can focus on what they do best: originating more loans and helping more families.
No fee on files that don't close, and no cancellation fee.
A written update at every milestone, by email or text.
Every call, update, and document request in English or Spanish, for you and your clients.
Purchase packages from $1,095, plus a streamline package for FHA and VA refinances.
How it works
You keep the borrower, the pricing, and the application. We do the work in between.
We sign a processing agreement, get access to your LOS and lender portals, and agree on how you want updates.
Send the file where your package starts. Borrower documents go through a secure channel, never this website.
We order services, review and submit the file, and follow up on every condition with title, insurance, and the lender.
We coordinate closing and funding, then review the post-close package. You hear from us at each milestone.
Our commitments
Clear timelines, a clean line around your business, and careful handling of every borrower file.
We never market to your borrowers or approach your referral partners for our own business. Your relationships are yours, and we put that in writing.
Files move only through encrypted channels, access is limited to the people working your file, and confidentiality is part of every processing agreement.
Errors and omissions coverage: [E&O CARRIER]
Packages
Every package runs through closing and post-close review. The difference is where we take over.
| Who handles what | RecommendedSignatureFrom loan registration and disclosures$1,295per closed loan | ConciergeFrom early file preparation$1,495per closed loan | EssentialFrom file review and submission$1,095per closed loan |
|---|---|---|---|
| Initial income calculation | You | Us | You |
| Loan registration, plus sending and retrieving the initial disclosure package | Us | Us | You |
| Initial borrower document collection | Us | Us | You |
| File review before underwriting submission | Us | Us | Us |
| Title and homeowners insurance coordination | Us | Us | Us |
| Appraisal coordination, when required | Us | Us | Us |
| Underwriting submission | Us | Us | Us |
| Condition follow-up through clear-to-close | Us | Us | Us |
| Closing and funding coordination with the lender | Us | Us | Us |
| Post-close document review | Us | Us | Us |
You handle the application, initial disclosures, and borrower documents. We handle title and insurance, underwriting submission, conditions, closing, funding, and post-close review.
With every package
Every package ends the same way: a funded loan and a reviewed post-close package. The difference is how early we take over.
$1,295 per closed loan
$1,495 per closed loan
$1,095 per closed loan
Select your preferred package now, or explore your options with our team during your introductory call.
Partner with usLicensing and loan types
We're a third-party processing company working for licensed mortgage professionals. We don't make loans, quote rates, or take consumer applications.
Verify any license at nmlsconsumeraccess.org.
Questions
By email, text, or both, whichever you choose at onboarding. You get a written update at each milestone: disclosures, orders, submission, approval, conditions, clear-to-close, and funding. If something stalls, we tell you what's holding it and what we're doing about it.
You don't pay a processing fee and there's no cancellation fee. The fee is due only on closed loans.
On Signature and Concierge, we contact borrowers for documents and signatures, in English or Spanish. Rate, terms, and anything about the loan decision stay with you.
We work inside your existing lender relationships. During onboarding you give us your lender list and portal access, and we process in each lender's system.
Through your LOS or a secure file channel we set up during onboarding. Never send borrower information through the form on this website.
We invoice your company, and only when the loan closes, under the terms in our processing agreement. If you choose to pass the fee to the borrower, it must be disclosed on the Loan Estimate and Closing Disclosure under your company's compliance policy and your lender's rules. We provide the invoice you need for closing.
Florida today. If you originate in other states, tell us in the form so we can contact you when we're licensed there.
Have a question we didn't cover? Give us a call, no commitment.
Partner with usPartner with us
Tell us about your business. We'll reply within one business day to set up a short call.