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home Mortgage Process at O2I

Outsource Pre-processing Services

The mortgage process team at O2I handles pre-processing services for the home loan process. We order and review all the necessary forms, CAIVRS authorization, appraisal orders and help with Rate lock. We work with lenders and brokers during this stage of the mortgage process to help them complete all the necessary steps speedily.

1003 Review

The lender uses this form to record relevant financial information about an applicant who applies for a conventional mortgage. The Mortgage Services team at Outsource2india reviews this form to ensure the completeness of the application (borrower names, occupancy history, employment history, initials, signature & date) so that it can be processed further.

Rate Lock

Outsource2india takes care of the process of locking the current interest rate for an applicant for a specified period (15/30/45/60). Our home loan process includes a complete rate lock process as required on a case to case basis.

Initial QC

We check for all the required documents, including W2s, Pay Stubs etc. so that the loan application has all the required details for further processing.

CAIVRS Authorization

We help you prescreen borrowers and verify that the borrower does not have any history of defaulting payments. O2I performs the complete process of taking authorization from the FHA website by entering borrowers' Social Security Number.

MERS Check

Our team checks the MERS website to find out if a borrower has an existing loan. The application is updated with this information and sent for further processing.

IRS Transcript Request

We place a request with the IRS for Transcript of Tax Returns by filling up 4506T form.

Appraisal Order

We order appraisals from authorized appraisers by sending an email with the loan application reference and property details. Before placing the appraisal order, we verify the payment receipt (for appraisal fee).

Partner with Outsource2india and let our team handle the home loan processing at the pre-processing stage. Contact us to outsource Mortgage pre-processing services and other Mortgage Services.

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Customer Testimonial

I have worked with Rajeev and his team at Outsource2india for the last 3 ½ years. I have been continually impressed by the level of professionalism and integrity of the O2I team has provided. We are looking forward to many more years of partnership with this great company. Senior Vice President,
Fast Growing Mortgage Company

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