Advantage Mortgage Processing is Jessica Skinner: a licensed contract loan processor for mortgage brokers and loan officers. You originate and keep your full commission. I take the file from initial disclosures to clear-to-close.
A licensed loan processor working solely as a processor - I do not take applications, quote rates, or negotiate loan terms.
For three decades I have processed residential mortgage files across every loan type - conventional, FHA, VA, USDA, jumbo, Non-QM and more. I know underwriting guidelines cold, I structure files to clear the first time, and I move high volume without letting turn times slip.
When you work with Advantage, you work with me. No call center, no ticket queue, no file getting reassigned three times before it closes. You get a direct line to one experienced processor who treats your pipeline like her own reputation - because it is.
You keep originating. I run the file in your LOS and keep you posted at every milestone - no surprises, no chasing.
Lock the loan and hand it off in your LOS or lender portal. I work inside your system and your process - nothing new for you to learn.
Initial disclosures out, then I order appraisal, title, VOE, VOD and flood, and assemble a complete, underwriter-ready file.
I submit to underwriting, then track and clear every condition - working directly with the borrower to gather documents (never rates or terms).
Conditions cleared, file prepped for closing, and a full post-closing audit so nothing comes back on you.
From initial disclosures all the way through the post-closing audit - plus à la carte help when you only need a hand at the start.
Disclosures, document collection, file assembly and submission - the whole file, run cleanly from open to close.
Appraisal, title, VOE, VOD, flood cert and payoffs ordered and tracked so nothing stalls the file.
I track every underwriting condition and work directly with borrowers to clear them fast and clean.
Structured to AUS (DU / LPA), packaged the way underwriters want it, so it clears the first time.
Every closed file gets a final audit so your loans are clean, compliant and salable.
Income calculations, loan structuring help and pre-approval validation when you only need a piece.
Pick the tier that matches how much of the file you want off your plate. My fee is borrower-paid in Section B of the Closing Disclosure - so you keep your full commission.
One experienced processor on your files - not a rotating team, a call center, or a portal ticket that goes cold.
I have seen the file before. Conventional to Non-QM, I structure to clear the first time and keep turn times tight.
Borrower-paid in Section B, just like an appraisal. No split off your check, no downside - I'm not paid until you close.
A licensed loan processor in both states - the credential the law requires of an independent contract processor, and your assurance the work is done right.
Encompass, Calyx Point, Byte, ARIVE or your own LOS - I plug into your workflow instead of forcing a new one.
I take a limited number of loan officers so every file gets senior attention and closes on the date you promised.
Yes. My processing fee is borrower-paid and disclosed in Section B of the Closing Disclosure, just like an appraisal, and collected at disbursement through title. It does not come out of your commission - you keep 100%.
Only when the loan closes. There are no retainers, no hourly billing and no upfront cost. If the file doesn't close, there's no fee.
I'm a licensed loan processor in Colorado and Florida, and I process every common loan type: conventional, FHA, VA, USDA, jumbo, DSCR, Non-QM, non-delegated correspondent, FHA Streamlines, VA IRRRLs, HELOCs and seconds, and full-doc files.
No. I work inside your LOS and your process - Encompass, Calyx Point, Byte, ARIVE or whatever you already use. Nothing new for you or your borrowers to learn.
Yes - to collect documents and clear conditions, which keeps your file moving. I never discuss, quote or negotiate rates or loan terms. That stays entirely with you, the loan officer.
No. Advantage Mortgage Processing provides contract loan-processing services to licensed mortgage brokers and lenders. I don't take applications from consumers, and I don't offer, negotiate or quote loan rates or terms.
Tell me a little about your pipeline and how you like to work. I'll show you exactly how the handoff runs and how fast we can close.