The Conditions tab, located under the Underwriting collection, displays a list of conditions that must be met before the mortgage can be processed.

You can use Sonar to generate the list, and add in any additional conditions you may have.

To add a new condition, click Add Condition.

You will be prompted to choose the borrower, scope (borrower or internal), type (document, preliminary, underwriting, or post-closing), and a name for the condition. Borrower is required. Pick the borrower the condition is for, or choose Loan level (all borrowers) if every borrower on the loan should see it.

To automatically generate a list of unmet conditions, click the Generate button.

Sonar will create a list for you of conditions that need to be met, such as "Photocopy of valid ID" and "Contact information for attorney and real estate broker."

Once you have documents uploaded that satisfy a condition, you can link them to the appropriate conditions in the Documents tab (under the Underwriting category)

For more information, see the Documents page.

Not all conditions are meant to be filled by the borrower. You can also have internal conditions that need to be met by an LO. The borrower will not see these conditions.

You can email your borrowers a reminder of the conditions that are still outstanding. From Loan Actions, click Send Conditions Reminder. Each borrower gets their own email listing their outstanding conditions plus any loan-level ones. Internal conditions will not be sent. If there are no outstanding borrower conditions, no email is sent.