Contract Mortgage Processing.
A Contract Mortgage Processor is an independent, third-party professional or company hired to handle the administrative and compliance tasks involved in preparing a mortgage loan file for underwriting and closing. Unlike in-house processors who are employed directly by lenders or brokerages, contract processors work on a per-loan or freelance basis, offering flexibility, scalability, and expertise without the overhead costs of full-time staff.
Who Hires Contract Mortgage Processors?
Contract mortgage processors typically work with:
Independent mortgage brokers
Loan officers working under a brokerage
Small to mid-size mortgage companies
Lenders looking to offload file prep for faster turnaround
No close, No fee
No charge — we only make money when you do.
We know real estate can be unpredictable, and not every transaction reaches the closing table. That’s why we operate on a “no close, no fee” policy. If a deal falls through, you won’t pay a thing.
Our success is directly tied to yours — we only get paid when you do. That’s our commitment to being a true partner in your business.
We understand that every mortgage business is different — which is why we offer multiple contract processing packages tailored to your volume, workflow, and level of support needed.
Whether you’re a solo broker or running a growing team, we have a plan that works for you.
💼 Our packages start as low as just $499 per file.
No hidden fees, no long-term commitments — just reliable, high-quality processing that helps you close faster and focus on growing your business.
Contact us today to learn more about our packages or to request a custom quote!
Processor Assist
Package-
Condition clearing
-
Condition provided by MLO or Borrower's
-
VOE, VOM, EOI, CPL, HOI, Payoff demand
We Work with Any Wholesale Lender
Our contract mortgage processing services are fully flexible and lender-friendly.
We’re not tied to any specific wholesale lender — which means we can process loans for any lender you choose to work with. Whether you’re submitting to UWM, Rocket, Homepoint, Angel Oak, or any other wholesale lender, we’re familiar with their systems, requirements, and processes.
You stay in control of your lender relationships — we support your process, your way.
Need us to set up credentials or integrate with a new lender? No problem. We’ll take care of it quickly so your pipeline keeps moving without delay.
FREE Automated Income Calculation
Experience the Future of Mortgage Automation Today Income calculation and analysis automation software gives you accurate income estimates when it matters – when you talk to the borrower at the application stage.
Get instant, accurate income calculations for all your tricky tax returns, paystubs, and more. From FHA to Non-QM, Fannie Mae, and Freddie Mac – we’ve got every guideline covered so you don’t miss a thing.
- W2 & Paystubs
- Self-Employed Income
- Extra Income Sources
- 12- and 24-month bank statements
- Results in 30 minutes or less
- Aligned with industry guidelines
Here’s a breakdown of what we do:
Document Collection & Review
We gather and review all borrower documentation such as income statements, tax returns, credit reports, employment verifications, and more to ensure everything is complete, accurate, and up to underwriting standards.
Third-Party Order Coordination
We order and follow up on necessary third-party services including:
Title reports
Appraisals
VOEs (Verifications of Employment)
Homeowners insurance binders
Payoffs and more
Underwriting Submission Preparation
We organize and package files in a way that ensures a smooth submission to underwriting. We proactively address potential issues before they become problems and follow up until the loan is cleared to close.
Communication Management
We act as the central point of contact between all parties in the transaction — borrowers, loan officers, underwriters, escrow officers, title companies, and real estate agents — keeping everyone informed and on schedule.
Our processors are skilled in processing the following:
Modernize your mortgage office and streamline your processes with Utmost Docs- Contract Mortgage Processing.
Obtain initial title and escrow pre-CD fees. Process and verify the disclosures are accurate and complete,
Follow Up with the borrowers to make sure ITP and all disclosure are execute within the time frame.
Submit the loan package to your chosen lender and work closely with AE to make sure the file will be submitted to UW ASAP, with no problem upload.
Processing the loan and clear conditions in a timely matter to get your loans clear to close status ASAP.
Handle every request and document from escrow, the lender, the other agent, the appraiser, your client, and any other party involved in the transaction.
Notify you of deadlines, time frames at the beginning of escrow, before they are due and when they have become past due.
Order the appraisal, insurance, title, tax transcripts, payoffs, pay stubs and complete all written and verbal verification of employment.
Coordinate closings with title and your borrowers. Communicate with Closers to ensure the CD balances. Provide final invoices and follow up on signing Docs.