1. Obtain an automated decision though an underwriting engine (with the exception of streamlines) Desktop Originator and Advantage Direct Online are the two automated systems accepted and are on this site.

2. Collect all the documents necessary for a complete file. See minimum standards on Stacking Order Checklist available under the Forms tab on this site

3. Fill out the submission form. It is available under the Forms tab on this site.

4. Submit your file for underwriting by clicking on the LOAN SUBMISSION button under the VanDyk Lending tab of this site and attaching it in your Webtrac file. Once your file is attached, fax or e-mail the submission cover sheet over directly to the underwriting department. This will notify them that a file has been uploaded and is ready to be reviewed. ***PLEASE NOTE THE FILE WILL NOT BEEN UNDERWRITTEN UNLESS THE UNDEWRITING DEPARTMENT RECEIVES A SUBMISSION COVER SHEET, WHICH NOTIFIES THEM THAT THE LOAN IS READY TO BE LOOKED AT.

5. Once submitted, a decision from the underwriter will be sent to you (current turn times will apply).

6. To submit conditions, click on the CONDITIONS SUBMISSION tab under VanDyk Lending. Attach your conditions in Webtrac and then notify the underwriting department that those conditions are ready to be reviewed. ***PLEASE NOTE CONDITIONS WILL NOT BE REVIEWED UNLESS YOU NOTIFY THE UNDERWRITING DEPARTMENT THAT THEY ARE ATTACHED AND READY TO BE REVIEWED.

7. Lock your Loan (this can be done anytime throughout your loan process). To lock your loan you will need to go into your file in Webtrac. Under the Key Dates box there is a blue highlighted button that says Request. Click on this and it will enter you into the lock request form. Complete this form and hit submit to lock your loan. If you have any questions, please contact our lock department at 616-974-9223.

8. Obtain clear to close.

9. Request closing package by clicking on the forms tab and filling out the Closing Department Request Form. ***PLEASE NOTE YOU MUST FILL OUT A CLOSING REQUEST IN ORDER FOR THE CLOSING DEPARTMENT TO PREPARE YOUR CLOSING PACKAGE.

Helpful Insight for VanDyk Mortgage:

• Cut off times - all files submitted after 3:00pm Eastern Time are considered received the next day. Turn times will be reflective of that submission date.
• Request closing package only when file is clear to close.
• Daily rates are posted on VanDyk Systems. To view login through the client access section and click on the rates tab.
• Contact Corey Hill at chill@vandykmortgage.com for product questions or for training on AdVantage Direct Online.
• All forms are posted under the VanDyk Lending tab under Forms.