Disaster Recovery Loan Program Commitment System Guide Process

Client Selection Screen

After you have logged in, at the top right corner of the screen, select the folded Paper icon and choose Create New Loan. This will take you to the New Loan screen. 

New Loan Screen

• Use the channel drop-down menu to select Quick Start
• Select Loan Officer associated with the new loan from the Loan Officer drop-down menu
• Lender Loan Number - not a required field

Select Next in the top right corner of the screen

Enter data into the New Loan – Disaster Recovery Survey

• Tennessen Warning Notice
• Borrower information
• If the Borrower is a Safe at Home (SAH) participant:
  • Check the SAH Box
  • Enter the participant’s Lot Number
• Disaster Site Information. NOTE: After entering in the zip code, hit tab and the county and state should auto-populate. If not, that means the zip code entered crosses into multiple counties.
  • If the Borrower is permanently displaced, please email DRLP staff drlp.mhfa@state.mn.us for guidance.
• Claims Information

Select Next in the top right corner of the screen

Select Create New Loan

• The loan will have a commitment number 
• It will update to Current Loan: Borrower Name | Survey | New

Follow these steps when you are ready to lock a loan. Open the loan file and in the Loan Information – Disaster Recovery screen, select the link to Products and Pricing to open the wizard.

• Review each screen for data accuracy
  • Select Next or Back to move through the screens
  • Or select the appropriate screen name to move around
• Make sure the Loan Officer is selected
  • Lender loan number is not required

Enter all fields that apply for all Borrowers

• Ethnicity
• Race
• Sex 

Information entered in the Claims information will auto fill. Complete the fields based on the Borrower Application Review Worksheet. Enter all costs for the improvement and any External Funding. NOTE: The total of the Minnesota Housing Loan with any External Funding needs to equal the total Repairs Cost.

• Improvements
• External Funding: Includes but not limited to Borrower Contributions, Gifts, Grants, Supplemental Sources of Funding

• In the Product Eligibility screen, update the lock period to 180 days
• Select Populate Products

Product Selection 

Under the Product Selection, select the appropriate Product Name

• The product for the disaster event will now be highlighted
• NOTE: If no products show up, then there is an issue with the loan, follow the instructions for Correcting Errors
•  Select Save and Exit at the bottom right of your screen

You will be brought to the Loan Information – Disaster Recovery screen

The loan will update to Current Loan: Borrower Name | Registered | Locked

Select Save in the upper right corner before exiting loan

Product Eligibility: Invalid

If no products appear there are issues with the lock. Review the screens and make updates and corrections.

• NOTE: All claims need to have a status of approved, denied or N/A
• Select Next or Back to move through the screens
• Or select the appropriate screen name to move around
  • Return to Product Selection and make sure the 180 days lock Period is selected
  • Select Populate Products
  • Repeat this process until all errors are cleared and it shows the Product Selection

If you continue to experience errors, reach out for assistance to PST by phone 651.296.8215 or by email mnhousing.solution@state.mn.us 

View the how to Generate Documents video (Run Time 00:46)

Once a loan is locked or ready to close, you can generate documents needed for the loan. For a comprehensive list of the documents needed for each loan type, refer to the required Loan Commitment Forms on the Forms Guide and Glossary.

Open the loan file and in the top right corner of the screen, select Paper Clip and choose Order Documents. 

Order Documents

• Select Order Package
• When the Order Package screen appears, in the Additional Options section select Internal for the Document Type section

Internal Documents

• Select the document(s) that you need by selecting the checkbox to the left of the document name – scroll to see all applicable documents
• Once documents have been selected, select Order at the bottom right of the screen
• NOTE: If no documents appear, that means there is an error or issue with the commitment - follow the instructions below in Correcting Loan Issues

Print Documents

You will be brought back to the Order Documents screen and the package name will appear

• The document(s) will be a part of the hyperlink under Package Name
• Select Refresh (arrows chasing each other) until the package status shows “Complete”
• Once the status is Complete, select the Package Name (hyperlink) to open, view and print the documents

NOTE: If any updates are made to the loan file in the commitment system, you will need to generate new documents

Open the loan file and double-click on the vertical ellipses on the middle left side of screen to expand the Workflow Menu and navigate to the Products and Pricing Validation screen.

• Review and correct validation errors
• Select Save in the upper right corner after each correction
• Start the process to order the documents
• Repeat this process until there are documents available to select

If you continue to experience errors, reach out for assistance to PST by phone 651.296.8215 or by email mnhousing.solution@state.mn.us

This section explains how to make updates or changes to a loan. The following are examples of loan changes that can be done on the Loan Information – Disaster Recovery screen:

• Income
• Name correction
• Household size
• Select Save in the upper right corner to save changes before exiting the loan

The following changes need to be done by reaching out to PST by phone 651.296.8215 or by email mnhousing.solution@state.mn.us: 

• Change to Subject Property Address
• Change or update to Borrower(s) Social Security Number

View the how to Cancel a Loan video (Run time 00:34)

This section explains how to cancel a loan. NOTE: Once a loan is cancelled, no additional changes can be made.

Open the loan file and double-click on the vertical ellipses on the middle left side of the screen to expand the Workflow Menu and navigate to the Dates screen.

• Select the Cancel Loan box
• Select Loan Cancellation Reason from the drop-down menu
• Select Save in the upper right corner to save changes, the Cancel Date information will populate and the loan status will update from Registered to Cancelled

The loan will update to Current Loan: Borrower Name | Cancelled | Locked

Submit a request to DRLP Staff email drlp.mhfa@state.mn.us to reinstate the canceled loan. The email must include the loan number, Borrower’s full name, reason for reinstatement and date to extend the lock.

This section explains how to extend a lock.

NOTE: DRLP Staff at drlp.mhfa@state.mn.us must approve lock extensions over 30 days. The request must include the loan number, Borrower’s full name, and date to extend the lock and reason for the extension.
Open the loan file and double-click on the vertical ellipses on the middle left side of screen to expand the Workflow Menu and navigate to the Lock Extensions screen.

• Select the Days needed to Extend Lock from the drop-down menu: options are 15 or 30 days
• Select Trigger Lock Extension
• Select the Save icon in the upper right corner to save changes before exiting the loan

The loan will update to Current Loan: Borrower Name | Registered | Lock Extended

This section explains how to add more than two borrowers to a loan file.

Open the loan file and in the in the Loan Information – Disaster Recovery screen, scroll down to Additional Parties section

• Select the box for Are there more than two borrowers? 
• Borrower management section will appear – if it does not, select Save in the upper right corner of the screen and Borrower Management section will appear

Borrower Management

• Make sure the icon that is 4 horizontal lines in a row is selected.
• Select the drop-down menu to the left of the 4 horizontal lines icon, select the (Blank) Borrower or (Blank) Co-Borrower profile and enter their information
• NOTE: If the loan is already locked, after adding the additional Borrower(s), you will need to call PST at 651.296.8215 and request the social security number be entered
• Select Save in the upper right corner of the screen to save changes before exiting the loan. 

This section explains how to switch Borrowers from Borrower 1 to Borrower 2 or vice versa. 

Open the loan file and in the top right of the screen, select the vertical ellipses and in Loan Management section, select Application Management

In the Application Management screen

• In the URLA Application section, select the swishy X that is on the left
• A Confirm Changes window will pop up, select Save Changes to continue 

You will be brought back to the Loan Information – Disaster Recovery screen

• Select Save in the upper right corner of the screen to save changes before exiting the loan

This section explains how to remove a borrower. 

Open the loan file and in the top right of the screen, select the vertical ellipses and in Loan Management section select Application Management

In the Application Management screen

• In the URLA Application section select the X next to the Borrower you want removed
• The Delete screen will open, select Delete at the bottom right of the Delete Screen

You will be brought back to the Loan Information – Disaster Recovery screen

• Select Save in the upper right corner to save changes before exiting the loan

This section explains how to remove an application.

Open the loan file and in the top right of the screen select the vertical ellipses and in Loan Management section select Application Management

In the Application Management screen

• Select the X icon to the right of the URLA Application you wish to remove
• The Delete screen will open, select Delete at the bottom right of the Delete screen

You will be brought back to the Loan Information – Disaster Recovery screen

• Select Save in the upper right corner to save changes before exiting the loan

Review Loan File

Complete a review of the file and make sure all information in the commitment system matches your loan file. Make updates accordingly.

Document Preparation

Open the loan file and double-click on the vertical ellipses on the middle left side of screen to expand the Workflow Menu and navigate to the Documentation Preparation screen.

All the information on this screen needs to be completed before generating the closing documents. 

• Complete the information in the Final Confirmations and Mortgage Information sections
  • Select Save in the upper right corner and the Maturity Date will autofill

Additional Parties

If there are additional mortgagors on the property complete this section.

• Select the box for Are there additional Mortgagors?  

The Additional Mortgagors fields will open for editing. Review the Note further explaining additional mortgagors.  

• Add in Additional Mortgagors First and Last Names accordingly 

Select Order Package to start the process of ordering your documents for closing. Review the Printing and Generating Documents instructions. 

View the how to Complete the True and Certify video (Run time 00:39)

NOTE: Complete the True & Certify screen after the loan has closed.

• Before completing the True & Certify process, review all the data fields in the Loan Summary screen for accuracy and update and correct the data where necessary
• Best practice is to have the closed loan file in front of you to verify all information entered into the commitment system matches the closed loan file

Complete the True and Certify Process after your loan is closed. Once this process has been completed you will no longer be able to make any updates.

Open the loan file and double-click on the vertical ellipses on the middle left side of screen to expand the Workflow Menu and navigate to the True and Certify screen.

• Select the box next to Approve
• Select Save in the upper right corner and the True and Certify Date and User’s Name will autofill 

Select the Add Attachments icon to start the process of adding the closed loan file. Review the File Upload Process instructions.