Minimum Submission Requirements

For UCP to follow through on our commitments to our broker partners, we require that all loan submissions include the following minimums to be accepted for loan processing:

1. A complete URLA including accurate borrower information, property address and details, structured income and funds to close, 2 years of employment and residence history with applicable details, completed declarations, and gov’t monitoring.

2. Accurate Closing/Escrow Agent & Title Contacts

3. Basic Income Documentation

   Paystubs, W2’s and/or Tax Returns for S/E Borrower’s.

4. Basic Asset Documentation

   Bank statements or equivalent confirmation of funds to close.

5. Purchase Contract (excluding refinance transactions)

6. Gov’t Issue ID (necessary for completing disclosures)

If you are missing the basic requirements, we reserve the right to reject a loan submission and ask that you resubmit the file with the minimum required information so that we can complete our review of the URLA data, cross check income calcs, confirm funds to close, setup critical dates such as contingencies/deadlines for loan, appraisal, and closing, and order title work, appraisals, or other necessary third party documentation without delay.