Borrower Document Chase
VA collecting W-2s, Pay Stubs, & Bank Statements via Floify
1003 Application Prep
Data entered in Encompass; credit pulled for review
Ready for Processor
File scrubbed, organized, and ready for LO signature
Stop Chasing Documents.
Start Closing Loans.
Don't let top producers get bogged down in paperwork. Hire a highly trained Mortgage Support VA to hunt down borrower documents, prep 1003s, and manage the LOS—fully supervised by a Dedicated QA Manager for free.
100%
Managed Support
5x
Pipeline Velocity
70%
Cost Reduction
Integrated Seamlessly Into Your LOS & CRM
The Smart Alternative to Expensive In-House LOAs
Brokers and branch managers are abandoning $50,000+ local base salaries for our highly scalable, compliant, and managed offshore model.
| The Problem | Local Loan Officer Assistants | SageDoer (Managed VA) |
|---|---|---|
| Overhead Costs | $50k - $65k/year base + per-file bonuses, payroll taxes, desk space, and software seats. | $6-$7/hr flat. Zero per-file bonuses, no payroll taxes, and no office overhead. |
| Pipeline Fluctuations | You pay full salary even when rates spike and origination volume drops. | Instantly Scalable. Scale down to Part-Time during slow seasons to protect your margins. |
| Data & Clerical Focus | Local LOAs often want to quote rates or act as MLOs, pushing regulatory boundaries. | Strictly Clerical. Our VAs handle data entry, chasing docs, and CRM work—ensuring strict SAFE Act compliance. |
| Quality Assurance | You have to double-check their 1003 data entry and constantly manage their workflow. | Dedicated PM Included. A free QA manager audits pipelines and ensures SOPs are followed flawlessly. |
| Staff Turnover | When your LOA leaves for a competitor, your pipeline grinds to a halt while you train someone new. | Seamless Transitions. We document your workflow internally. If a VA leaves, the backup steps in seamlessly. |
What Will Your Mortgage VA Handle?
We take over the non-licensed, clerical heavy lifting so your Loan Officers can focus on shaking hands and originating.
Document Collection & Chasing
Stop begging borrowers for their W-2s. The VA relentlessly follows up via email and text to collect bank statements, pay stubs, and tax returns, organizing them neatly into Floify or your LOS.
1003 Data Entry & Prep
Your VA accurately inputs borrower data from initial lead sheets or portals directly into the 1003 application in Encompass or Calyx Point, preparing a clean file for the LO to review and execute.
Third-Party Ordering
As soon as an intent to proceed is signed, the VA orders the appraisal, opens title, requests homeowners insurance (HOI), and initiates Verification of Employment (VOE) / Verification of Income (VOI).
Milestone Updates & CRM
Keep realtors and borrowers happy. The VA triggers milestone updates in Jungo or BNTouch (e.g., "Appraisal Received", "Cleared to Close") so everyone stays informed without blowing up the LO's phone.
Condition Clearing Support
When the underwriter kicks back conditions (like a letter of explanation for an address), the VA immediately contacts the borrower to resolve clerical stipulations and uploads them to the eFolder.
Post-Close Audits
The VA ensures the file is completely buttoned up after funding, triggering post-close client thank you gifts, sending review requests, and archiving documents for strict state compliance audits.
How We Integrate With Your Pipeline
From establishing secure VPN access to chasing the first W-2, precision is guaranteed.
Phase 1
Secure Access Setup
We establish GLBA-compliant access. You provide limited-role credentials to your LOS (Encompass, Calyx) and CRM via secure environments (RDP/VPN).
Phase 2
SOP & Rule Mapping
Your Dedicated PM maps your loan processing workflow, email templates, and condition-clearing protocols to ensure the VA operates exactly like your branch.
Phase 3
Expert Execution
The VA takes over document chasing, 1003 data entry, and 3rd party ordering. The PM conducts daily pipeline audits to ensure zero bottlenecks.
Phase 4
Pay Only for Output
We meticulously log time. You are billed strictly for actual VA labor executing your origination support. The PM's QA is 100% free.
Trusted by Loan Officers & Branch Managers
"We used to pay an in-house LOA $60k a year plus bonuses just to chase bank statements. Our Sagedoer VA handles all the Floify document collection and 1003 entry in Encompass for a fraction of the cost."
James B.
Branch Manager, Apex Mortgage
"The ability of the VA to order VOEs, appraisals, and title work as soon as the intent to proceed is signed is incredible. It shaved 4 days off our average 'Clear to Close' time."
Sarah L.
Top Producing Loan Officer
"Having the dedicated Project Manager act as QA is the best part. I know every 1003 is filled out correctly before I review it. And when rates drop, we can instantly scale up to Full-Time."
Mark K.
Owner, First Choice Lending
"We used to pay an in-house LOA $60k a year plus bonuses just to chase bank statements. Our Sagedoer VA handles all the Floify document collection and 1003 entry in Encompass for a fraction of the cost."
James B.
Branch Manager, Apex Mortgage
"The ability of the VA to order VOEs, appraisals, and title work as soon as the intent to proceed is signed is incredible. It shaved 4 days off our average 'Clear to Close' time."
Sarah L.
Top Producing Loan Officer
Ditch the Expensive LOA Base Salary.
No per-file bonuses, no payroll taxes, and no hidden QA fees. Scale up instantly.
Part-Time
Perfect for solo top-producers needing document chasing support.
Est. $560 USD / Month (4 Weeks)
- 20 Hours Per Week
- Pay only for hours of pure work
- Dedicated QA Project Manager included
- Free management supervision
- Zero setup or onboarding fees
Full-Time
For busy branches needing constant LOS data entry and CRM management.
Est. $960 USD / Month (4 Weeks)
- 40 Hours Per Week
- Pay only for hours of pure work
- Dedicated QA Project Manager included
- Free management supervision
- Zero setup or onboarding fees
Expertly Answered Concerns
Common questions from Brokers and Branch Managers.
How do you protect Borrower PII (GLBA / SOC2 Compliance)?
Security is paramount in mortgage origination. Our VAs access your LOS (Encompass, Calyx) strictly through a secure VPN or a Remote Desktop Protocol (RDP) environment provided by you. This ensures that sensitive documents (W2s, SSNs) are never downloaded locally to the VA's machine, keeping you fully compliant with GLBA standards.
Is the VA licensed? Can they quote rates?
No. To strictly adhere to the SAFE Act, our VAs act exclusively in an unlicensed clerical and administrative capacity. They can gather documents, update the CRM, enter data into the 1003, and request VOEs. They will *never* negotiate loan terms, quote interest rates, or offer mortgage advice.
Are they familiar with Encompass and Point of Sale systems?
Yes. Our Mortgage VAs are heavily trained in standard LOS platforms (ICE Encompass, Calyx Point, LendingQB) and POS/portal systems (Floify, SimpleNexus). They know how to assign conditions, upload to the eFolder, and trigger disclosures.
What happens if the mortgage market slows down?
This is the core benefit of the Managed VA model over a salaried LOA. If interest rates spike and origination volume drops, you can easily downgrade from a Full-Time schedule to a Part-Time schedule, protecting your branch margins instantly without laying off staff.
Do I pay extra for the QA Project Manager?
No. The dedicated QA Project Manager is provided 100% free of charge. They review the VA's pipeline management, audit 1003 data entry accuracy, and oversee the VA's daily schedule so you don't have to micro-manage the clerical work.
Ready to Close More Loans?
Stop losing hours to chasing bank statements and W-2s. Send us your LOS tech stack and workflow requirements, and our team will get back to you with a tailored support plan.
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