How do you package your loan for the borrower?

Beginner's Questions
1

What do you put the borrower’s copy of the loan in? Manila folder? Binder clip? Envelope of some sort? Links to least expensive options are appreciated :slight_smile:

2

I used to put borrowers’ copies in a manila folder held by a binder clip with my business card taped to the outside; also put the in the following order for their ready reference:

Right side of folder in clip:
NORTC (two signed copies for each borrower/person of interest)
CD
Note
Security Instrument
1003

Rest of supporting documents under them

On left side of folder I stapled or clipped the Amortization Schedule and the First Payment Letter (FPL on top).and the appraisal if provided.

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3

Manila folder – usually stock up when on sale. If I’m meeting them in a public location, I might use an overnight carrier’s envelope so docs are less likely to go flying all over their car on the way home.

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4

I used a Binder Clip, inexpensive and holds their copies securely.

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5

I used to use legal size manilla envelopes but they got too expensive with the number of signings I’m getting. I now use much less expensive lightweight but very strong envelopes I get from Amazon at https://www.amazon.com/gp/aw/d/B00007MPMI?psc=1&ref=ppx_pop_mob_b_asin_title

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6

I use these from Amazon. https://www.amazon.com/gp/aw/d/B0006ZH66A?psc=1&ref=ppx_pop_mob_b_asin_title#

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7

I put them in a rubber band and give to the signers, I still don’t make enough for extra spending on manilla folders :woman_shrugging:t2:
I do put the most important documents on top.

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8

I use the title companies marketing folder(s) with their name and place the business card of the escrow agent on the inner pocket of the folder. If I’m providing a copy for a client of a signing agency, my business card and documents are held together with a binder clip and placed inside of a manila folder with their name on the outside.

Try not to over think it, I wouldn’t bother going through and pulling documents out or trying to rearrange them in some type of order (that’s just me).

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9

I use the Manila and buy them at the dollar tree 6for $1.00

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10

I learned this from another signing agent. I get a supply of the thin cardboard type FedEx or UPS shipping envelopes to put the borrowers copies in…at no cost to me. If I have a package that won’t fit then I’ll use a manila envelope

11

https://www.amazon.com/gp/product/B0006ZH66A/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1

I do it this way so I do not get the documents mixed up, the copies for them and the copies to sign. Also, I write the date on the envelope with their name on it. The signers can write notes on the envelope as they go along.