“Bring Everything Requested to the Mortgage Application Appointment”



“Bring Everything Requested to the Mortgage Application Appointment”



When I gave this client her list, she brought everything and then some. Too many times clients don’t bring all that is needed, that just holds things up and with upcoming changes in regulations, it will already take an extra 2 weeks or more.


There is an additional issue, many lenders will not underwrite a file, unless the file is complete. If the underwriter can’t complete their job, they can’t disclose the file to the borrower, that means more delay. If there is a delay in getting the file disclosed to  them, that means the appraisal can’t get ordered.


The bottom line, getting everything the first time, no matter if it is in person or not, the sooner we have all that is needed, the sooner all closings can happen.


I would love to get you anything you need for the mortgage papers so I just wanted to know if we should meet or if you wanted to let me know what you need so I can get it to you.  Please let me know what works best.


Thank you so much for all of your help. 




 Image courtesy of BrandonSigma/freedigitalphotos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

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Comment balloon 29 commentsJoe Petrowsky • September 04 2015 06:25AM


Hi Joe.  It is so frustrating when you have to keep chasing people for the doc's to make the loan.

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) almost 5 years ago

Good morning, Joe -- don't you just love well-prepared clients?   

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 almost 5 years ago

Yes, proper preparation makes things go more smoothly and faster.  It's in the borrower's interest to do so.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) almost 5 years ago

Good morning Joe,

Thankfully when I have the first meeting they have a page of what they need for the bank; as it has a checklist it makes it easier for everybody.

Make yourself a great day.

Posted by Raymond E. Camp, Licensed Real Estate Salesperson Greater Rochester (Howard Hanna Real Estate Services) almost 5 years ago

Joe, clear communication and putting the requested necessary information that is needed for the loan application process in writing leads to a successful outcome and a quick start on obtaining the loan for the buyer.  Well done!

Posted by Bruce Walter (Keller Williams Realty Lafayette/West Lafayette, Indiana) almost 5 years ago

Good morning Joe. If you bring it all it goes much easier. Great post.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) almost 5 years ago

Joe, I hear this too, and the loan application process gets dragged out longer than it should be! 

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) almost 5 years ago


It is how we work on websites (only for our clients, we don't do stand alone websites).  We have a list of everything we need and then we get started.  It does get the job done much faster.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) almost 5 years ago

Joe Petrowsky What about DU? Do you want teverything before you will run DU?

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) almost 5 years ago

Hi Joe, it only makes the job harder if you have unprepared clients. Procrastinators who do not realize how much you are really helping them.

Posted by Noah Seidenberg, Chicagoland and Suburbs (800) 858-7917 (Coldwell Banker) almost 5 years ago

The old shoe box filing system Joe, that is better then missing something.  Have a great day!

Posted by Will Hamm, "Where There's a Will, There's a Way!" (Hamm Homes) almost 5 years ago

Sage advice Joe. The sooner the file is complete the smoother the rest of the transaction will hopefully go.

Posted by Anita Clark, Realtor - Homes for Sale in Warner Robins GA (Coldwell Banker Access Realty ~ 478.960.8055) almost 5 years ago

By turning in all requested documentation, the processing of the file can be completed. Otherwise, as you stated, it WILL cause a delay in getting the loan approved, which can cause disastrous results if the buyer is trying to get an offered accepted. 

Posted by Pat Starnes-Front Gate Realty, 601-991-2900 Office; 601-278-4513 Cell (Front Gate Real Estate) almost 5 years ago

This is very good advice for prospective mortgage borrowers.

Enjoy the holiday weekend.

Posted by Roy Kelley (Realty Group Referrals) almost 5 years ago

No question, Joe, that bringing everything in all at once is a huge time saver... but I've also had clients who've complained that they've provided everything asked for the first time around and then get asked for the same information at least another several times during the course of the transaction.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (Coldwell Banker Realty) almost 5 years ago


So true . . . . The customers needs to bring everything requested to the mortgage application appointment . . . . otherwise they are just delaying the mortgage process.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) almost 5 years ago

Joe, That list can, and often does, send some people into overload or overwhelm. Yes, it must be complete ... all pages of all documents must be included even when it does not make sense to include a blank page ... it must be included.  If not ... delays are in the queue.

Posted by Kathleen Daniels, San Jose Homes for Sale-Probate & Trust Specialist (KD Realty - 408.972.1822) almost 5 years ago

Joe, it is bad enough when a Borrower drags his/her feet on providing needed documents, but what is even more aggravating is when the hold up is on the Sellers side, and then they get angry when an extension for commitment and closing is asked for.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) almost 5 years ago

I give my clients a list of everything they need to bring with them and the supporting documentation as well.  It saves so much time

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (RE/MAX Professionals, CT 203-206-0754 ) almost 5 years ago

Hello Joe Petrowsky 

It's easy to see that this client is going to be a pleasure for you to work with!

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) almost 5 years ago

Good morning Joe.  Just love those people who show up on time, bring all that was requested  and so on.  It does make things go smoother

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) almost 5 years ago

Hi Joe.  These are the types of clients that make working with them a much more pleasant experience.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) almost 5 years ago

Joe, I always advice my buyer clients to provide everything required by lender right away and to bring the things required at the time of making the application.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) almost 5 years ago

I can't understand though why some banks don't ask for everything up front. They tell the client what they need, and then keep adding on extra items...

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Home and Condo Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) almost 5 years ago

It is so important to have ALL the paperwork at the appointment! Imagine going for a marriage license and not having your paperwork or proof of identity. It is the same thing, nothing will happen! What a waste of time.

Posted by Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional, Palm Harbor, Dunedin, Clearwater, Safety Harbor (Charles Rutenberg Realty) almost 5 years ago

Joe, I can tell you the most difficult clients who buy just don't get that what is asked for must be provided to their lending officer...they always supply something similar and fight all the way...you wonder how they will truly fare when they buy a home?!

Posted by Ginny Gorman, Homes for Sale in Southern RI and beyond (RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate) almost 5 years ago

It is a such good news to hear when clients bring it all to the appointment. That shows they are serious and don't want any delays.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) almost 5 years ago

  So many people ...first time or not...are overwhelmed....informed helps vbeing under whelmed...and Prepared !

Posted by Sally K. & David L. Hanson, WI Real Estate Agents - Luxury - Divorce (EXP Realty 414-525-0563) almost 5 years ago

This holds true for the real estate said of the transaction as well. When I need something signed or I need paperwork back from a client I need it back as quickly as possible to keep the transacting moving along.

Posted by Nicole Doty - Gilbert Real Estate Expert, Broker/Owner of Zion Realty ZionRealtyAZ.com (Zion Realty) almost 5 years ago