Making Your Future a Success

About Us:

Clear To Close Mortgage Processing is a third party mortgage processing service for Community Banks. We process your loans your way and we can customize the process to fit your banks' protocol.

Benefits:

Mobile Mortgage Technology - A mobile app that puts borrowers in control of the loan experience, from application to closing while providing real-time status updates.

Expedited Processing - We are fully committed to exceeding your expectations by thoroughly processing your loans with a sense of urgency and efficiency. By drawing on decades of experience in interpreting and applying mortgage guidelines to minimize the amount of time it takes to receive the “Clear to Close” on your loans.

Reliable & Accurate - Your loans are processed accurately. The Compliance Guarantee is an extensive set of reps and warrants covering documents sent out on your behalf.

Service Oriented - We are dedicated in providing an extraordinary level of service to our partners. We ensure your borrower's experience throughout the entire process is a positive one.

100% Guaranteed Flat Fees - No surprises! Flat fee pricing takes the guesswork out of your loan processing costs. The fee is paid at closing.

No Overhead Costs - Loans can be submitted either on a continuous basis or from time to time when needed to cover overflow, an employee absence, and/or during a new hire on-boarding.

SOLUTIONS


Clear to Close Mortgage Processing offers you end-to-end mortgage processing solutions with the latest technologies.


Community Bank Program:

Special reduced lender admin fees.

Document Generation

End-to-End Document production, preparation, delivery and automated compliance.

eSignatures:

Resolve the inefficiencies and compliance risk of wet signatures and paper documents. Access, share and store compliant loan documents in a secure digital environment.

eNotary

Our fully integrated eNotary technology allows borrowers, lenders, settlement agents, and mobile notaries to eSign and eNotarize paperless mortgage documents.

eDelivery for Appraisals

Easy electronic delivery of your borrower’s appraisal report right from your loan file. Stay in compliance by uploading appraisals, written valuations, or any documentation you choose.

eClose

A paperless, single-source platform, eClose creates an efficient, transparent and fully compliant eClosing process that guides the users through every step.

SmartCLOSE

Lenders, settlement providers and associates work together inside a collaborative closing solution to view, edit, and exchange data and fees prior to closing.

Settlement ePortal

Review closing document packages prior to closing, control the eSignature process, add title documents, even postfill fields... all right from the portal.

Loan Score Card & QM Indicator

QM Finding Report and Uniform Collateeral Dataset (UCD) export to Fannie and Freddie Mac, indicating total points and fees used in the QM calculation.

HMDA Reporting

Government monitoring information.

The Compliance Guarantee

The Compliance Guarantee is an extensive set of reps and warrants covering the compliant documents, high cost tests, HPML and TRID-related audits, and more.

Investor eQC

Scalable Post-Closing and Pre-Funding Quality Control services to ensure documentation meets all current and future GSE and investor needs.


Supporting DU Validation Service Powered by Desktop Underwriter (DU):

Officially integrates verified consumer income and employment information into Desktop Underwriter. Decreases the use of paystubs and W'2s to document income and employment.

MEET CONNIE

WE CAN ACHIEVE MORE TOGETHER

Clear to Close Mortgage Processing was founded by Connie Miller. Connie brings extensive experience within the financial industry. She graduated from Minnesota State University, Mankato with a bachelor's degree in Finance and Business Administration, and began her career in the mortgage industry over 25 years ago, working for one of the nation's largest mortgage companies.

She has worked in the Retail, Correspondent, and Wholesale channels and has served in the role of "Subject Matter Expert" for Bear Stearns Wholesale, Argent Mortgage Corporation, and Bank of America. Her background and achievements earned her the responsibility of managing a three-state area. As a wholesale manager for Bear Stearns, she took her team to the top; she implements a streamlined mortgage process in combination with extraordinary customer service to ensure an efficient approval process. In addition, she has achieved several financial licensures, certificates, and awards through her experience with Conventional, FHA, VA, USDA, and community home loan programs.

Your Community Bank can be excited to add the experience and talents of Clear to Close Mortgage Processing. As a seasoned mortgage professional, Miller's customer service skills and understanding of the mortgage markets will continue to strengthen and enhance your product offerings and services in your own market.

EDUCATION & PROFESSIONAL DEVELOPMENT

MINNESOTA STATE UNIVERSITY, Mankato; Bachelor of Science, Finance (Minor, Business Administration)

Life / Health Insurance License, Series 6 and 63, FHA Appraising Certificate, and FHA Underwriting Certificate.

TRID Certified - NMLS# 712137


Contact Us to start submitting loan files!