Embedded Files
Estimated time: 5–10 minutes
Start here for a simple borrower info spot check
Start here for a simple borrower info spot check
This activity gives you a small sample of how a Mortgage VA may notice missing or inconsistent information in a file. This is not a full 1003 review or underwriting task. Your goal is only to practice spotting obvious items that may need to be confirmed by the team.
WHAT YOU'LL PRACTICE
WHAT YOU'LL PRACTICE
Comparing basic application details with sample supporting information
Spotting missing or inconsistent items
Writing a short note for the team
SCENARIO: APPLICATION / FILE NOTES
SCENARIO: APPLICATION / FILE NOTES
Borrower name (application): Maria Jane Sample
DOB: 02/14/1994
Marital status: (blank)
Current address (application): 123 Main St, Tampa, FL 33602
Time at current address: 6 months
Employer: ABC Dental Clinic
Position: Admin Assistant
Start date (application): 06/2024
Monthly income (application): $4,500
Email (application): maria.sample@example.com
⚠️ REMINDER
⚠️ REMINDER
You are not deciding whether the file is acceptable. You are only noticing possible issues and asking the team to confirm.
You are not deciding whether the file is acceptable. You are only noticing possible issues and asking the team to confirm.
SUPPORTING INFORMATION (SAMPLE)
SUPPORTING INFORMATION (SAMPLE)
1. TRAINING ID SAMPLE
2. PAYSTUB (SIMULATED NOTE)
Employee name: Maria J. Sample
Employer: ABC Dental Clinic
Start date: 05/2024
Income shown: $4,200 gross monthly equivalent
Pay frequency: Bi-weekly
3. BANK STATEMENT (SIMULATED NOTE)
Mailing address: 123 Main Street Apt 2, Tampa, FL 33602
TASK
TASK
Review the sample application notes and supporting information.
List 3 items you would flag for the Loan Officer or processor to confirm.
You are not deciding whether the file is acceptable. Your goal is only to notice possible mismatches, missing details, or items that may need confirmation.
HOW TO ANSWER
HOW TO ANSWER
For each item, write:
For each item, write:
What I noticed:
Write the detail you see.
Why it may matter:
Explain why it could be an issue.
What I would ask the team to confirm:
Write the question or clarification you would request.
Answer format:
Answer format:
"I noticed:"
"Why it may matter:"
"I would ask the team to confirm:"
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