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Return to TPO Connect to upload remaining documents and click \"Confirm\"; the loan file is not submitted to DCA for review until \"Confirm\" is selected.",{"name":69,"@type":60,"acceptedAnswer":70},"Why is numerical consistency across documents critical?",{"text":71,"@type":63},"All numbers must match the final 1003 and the latest dated CD-OR-Latest Dated Loan Estimate-OR-Latest Dated Loan Fees Worksheet, especially closing costs and funds needed. 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If certain documents cannot be read or indexed, separate uploads may be required. If Reserved on/before 7-7-26: upload 1 PDF into Lender Online and the appraisal may be uploaded separately  \n• Always return to TPO Connect, upload any remaining documents, and click \"Confirm.\"The loan file is not submitted to DCA for review until \"Confirm\" is selected.  \n\n|  | 1. | “Loan Applicant Profile,”(Form SF-10) with Underwriters Phone Number fully completed (all areas) |\n| --- | --- | --- |\n|  | 2. | “Reservation Accepted” screen printed from Lender Online Loans Reserved ON/BEFORE July 7, 2026\u003Cbr>“Lock Confirmation” printed from TPO Connect Product Pricing & Lock Loans Reserved ON/AFTER July 8, 2026 |\n|  | 3. | Total Household Income Worksheet completed for applicant(s) and adult non-applicant(s) Household Members |\n|  | 4. | Fully executed “Application Affidavit,” (Form SF-12)\u003Cbr>\u003Cbr>Household Members complete with birthday and Social Security Number Annual Income Section complete\u003Cbr>3 Year Residence History must agree with other loan documents. Landlord name & address required Signed and dated |\n|  | 5. | “Affidavit of Adult (18 years or older) Non-Applicant Household Member,” (Form SF-15), if applicable\u003Cbr>  Signed by non-applicant. If student provide evidence of enrollment\u003Cbr>  Documentation for all sources of income: current pay stub or similar third-party documentation, 2-year work history, WVOE/VVOE and W2s. |\n|  | 6. | Copy of “Acquisition Cost Certification,” (Form SF-16)\u003Cbr>  Fully Completed, Signed and dated by all Borrowers and Sellers on the same form.\u003Cbr>  Print name and title under seller’s signature on page 2.\u003Cbr>  Corporate Resolution/ Recorded POA, if discrepancy with owner of record/authorized signee |\n|  | 7. | Internal Final Underwriting Approval with conditions listed with ONLY condition being that of DCA Conditional Commitment/Approval. Signed (live ink or electronically) and dated by Underwriter. |\n|  | 8. | Automated Underwriting Findings\u003Cbr>a. Final findings reports on loans approved through DU/LPA/GUS signed and dated by the underwriter\u003Cbr>b. All documents required by the Automated Underwriting System, the Mortgage Insurer or GSE and the Lender’s underwriter to determine the credit decision\u003Cbr>c. All numbers MUST match the final 1003 and Latest Dated CD-OR-Latest Dated Loan Estimate-OR-Latest Dated Loan Fees Worksheet especially closing costs and funds needed to close. We do not allow AUS tolerances or non-matching numbers. Non-matching numbers will significantly delay your file decision and may be held in Pre-Check Underwriting until received. |\n|  | 9. | Copy of the applicable forms all signed and dated by Lender’s Underwriter:\u003Cbr>a. FHA Form 92900 LT: “FHA Loan Underwriting Transmittal Summary” and DE Underwriter signature with date. If Georgia Dream Second used, Secondary Financing, Source/EIN of 58-1222605 and “Gov’t” checked off\u003Cbr>b. VA form 26-6393: “Loan Analysis”\u003Cbr>c. FNMA Form 1008: “Transmittal Summary” with Mortgage Insurance approval (for USDA/RD Guaranteed Loans verify CAIVRS number is written on the form)\u003Cbr>d. USDA Form 3555-18E Conditional Commitment and Waiver Letter (credit or ratios), if applicable for USDA/RD Guaranteed Loan\u003Cbr>e. Eligibility Summary (Guaranteed Loans originated by USDA/RD only |\n|  | 10. | Applications and Addendums for primary owner occupant borrower(s)\u003Cbr>  Final FNMA Form 1003 with updated PITI, income, assets and details and transactions   Signed FHA Addendum (pages 1,2,3, & 4) with page 3 completed by the UW\u003Cbr>  DE Approval signed w/approval and expirat","cbCaiaZ1TECBKrh3","https://ap.wps.com/l/cbCaiaZ1TECBKrh3","pdf",262579,6,"English","# Loan File Submission Requirements\n# Checklist Items and Required Documentation","[{\"question\":\"When will the loan be suspended under these checklist instructions?\",\"answer\":\"The loan will be suspended if it is not submitted in checklist order and is not fully approved by the lender’s underwriter.\"},{\"question\":\"What is the upload and confirmation workflow for the loan file?\",\"answer\":\"Submit one PDF in the specified order through TPO Connect. Return to TPO Connect to upload remaining documents and click \\\"Confirm\\\"; the loan file is not submitted to DCA for review until \\\"Confirm\\\" is selected.\"},{\"question\":\"Why is numerical consistency across documents critical?\",\"answer\":\"All numbers must match the final 1003 and the latest dated CD-OR-Latest Dated Loan Estimate-OR-Latest Dated Loan Fees Worksheet, especially closing costs and funds needed. Non-matching numbers can significantly delay the file decision and may place it into Pre-Check Underwriting until corrected.\"}]","Underwriting Package Checklist | PDF",1789634162]