1. Uploading A Complete Loan File
eXPRESS
Uploading A Complete Loan File

2. Access The Wholesale Loan Portal - eXPRESS
Click Here

3. Input Username and Password
And Click Sign In

4. Click here to start Upload

5. You may select from Lender Paid, Borrower Paid, or NA- NOO or HECM ARM
Your Name Will Appear as the Broker Loan Officer. In some situations you may have to select from the drop-down menu.
You may select from Lender Paid,
Borrower Paid, or NA- NOO or HECM ARM
Loan Officer Name
Lender Paid
Select Loan Program From Drop Down Menu
Input Borrower Credit Score
Select Yes or No
FHA Fixed 30
721
Yes
Yes
Select Yes or No
Yes
Yes
LoanNex ID is used when inputting an Expanded Non-QM Loan.

6. Note: Clicking Upload a Loan does not Register Loan
Uploading Actual 3.2 File
Drag your 3.2 file into the box
File Name: Borrower.fnm
Click To Upload
Note: Clicking Upload a Loan does not Register Loan

7. Loan Number and Borrowers Name and lock information always appear on top of screen(s)
New loan has been created when Loan Detail Screen is displayed

8. Running DU

9. Run DU by clicking the “DU Tab located in the TAB Bar.
Click “Send Loan”
Click “Yes” to confirm
*Note: Do not enter a FNMA DU/DO Casefile ID

10. Fannie Mae DU Window Opens
“Credit and Underwriting”
Note: Casefile ID is listed on this screen

11. Step 4: Click to proceed with the reissue or generating a new report
#3 - Select
#4 – Click
Step #3: You may select to reissue your existing credit report, or you may request a new credit report using your current credit reporting company credentials
Step 4: Click to proceed with the reissue or generating a new report

12. Select your preferred credit agency
Input your Account Number and Password
Click ”Next”
Input your Credit Report Reference Number

13. Click on “Underwriting Recommendation” to view findings

14. Print findings and/or credit report to a PDF for your records

15. Once underwriting status is “Complete”, close out of Fannie Mae DU site (click on Red “X” in upper-right hand side)
When eXPRESS window opens it is “REQUIRED” that you click the “Download” button”

16. Inputting Fees

17. Click on the Fee Tab to start inputting

18. Enter fees into the white boxes. Greyed out boxes are not editable.
Input the appraisal fee by clicking in the box and type fee amount
Continue to input fess on the complete fee screen.
$525.00
Compensation can be entered if the loan is a Borrower Paid Transaction. (LHFS Within Reach, GSFA, and CalHFA DPA Programs do have BPC maximums)
Lender Paid Compensation can not be inputted. LHFS will complete this filed based on your LPC Agreement at the time of registration

19. To add a fee that is not displaying click.

20. Click check box next to the fee that needs to be added
After all selections are completed click “Add Fee”

21. After you have added the fee needed.
$525.00
$995.00
Input Added Fee

22. When all fess have been inputted.
$995.00
When all fess have been inputted.
It is REQUIRED that you click “Save”.

23. Lock Request

24. It is highly recommended that you price your loan.
It is not required to Lock.
Click:
If loan is eligible to lock or if you would like to lock the loan this is the screen to utilize
Click “Price Loan”

25. LHFS Pricing Window Appears
Majority of required fields will be completed based on the information in eXPRESS.
Required fields are marked with a
Red Dot.
LHFS Pricing Window Appears
There maybe a few fields that you will need to complete.
If not complete you will receive notice that you will need to complete to continue.
When all fields are complete click

26. Program Selection
To select the desired product click on the actual program
Click on this link will allow you to view program guidelines.

27. Clicking on the program name the LHFS pricing grid will appear.
Rate section highlighted in orange is the rate provided with your 3.2 file.
To select desired rate and price click on the “Price”.
A line will appear under the price.

28. If you are ready to lock, or the loan is eligible to lock
If you are ready to lock, or the loan is eligible to lock. You will simply click “Request Lock”.
When the price has been clicked you will see a new window.

29. Document Loading
Initial Submission Package

30. To upload your initial submission package.
Click on “Subs/Conds” Tab
Option 2:
Click on “Upload”
Option 1:
Drag initial submission package onto

31. Using Option 2: Clicking Upload
When upload is complete click “Close”
Click “Select” and browse for your borrower file and click.
Click “Start Upload”

32. When upload is completed the Subs/Cods Screen will appear
By clicking on the table icon it will display file upload information
The submission bucket will drop down the list and show a magnifying glass.
Clicking on the magnifying glass you will have the option to view the upload

33. Submit Loan
Clicking on the Submit Tab Will Register The Loan

34. Fees have been inputted and saved. Initial package has been uploaded.
AUS has been ran.
Fees have been inputted and saved.
Initial package has been uploaded.
Click “Submit Loan”
Click “Yes”
Click
“Submit Loan”
Input correct Borrower(s) address.
Best Processor Ever
Input your processor name and address to insure they receive communication on the loan file.

35. Loan has been registered.
When file has been submitted to Land Home Financial Services, Inc
This screen will appear.

36. QUESTIONS
Please contact your Account Executive