Independent lender workflow guide
Independent Processing Support for Brokers Using Averra Financial Workflows
When engaged by a mortgage brokerage, My Loan Flow can independently coordinate permitted processing tasks for files the brokerage submits through current Averra Financial or legacy The Loan Store workflows. Access and actions depend on current brokerage and lender permissions; the current lender guide and authorized portal record control every processing step.
Workflow familiarity
How can an independent processor organize work in TLS TPO Portal / Encompass Self Serve?
A clean TLS TPO or Encompass Self Serve workflow begins by confirming the lender identity, program lane, submission channel, and current file contacts shown in the authorized portal. The broker LOS, AUS findings, disclosures, product data, and uploaded package should be reconciled before the processor treats the file as ready for review.
The Loan Store’s published workflow separates broker support, file review, underwriting, closing, funding, and portal assistance. That makes accurate routing essential. My Loan Flow organizes conditions by what they are intended to satisfy, tracks appraisal and third-party dependencies, and directs lender-specific questions to the contact assigned to the loan instead of relying on a generic inbox or assumption.
Near closing, the processor monitors the current lender record for condition status, disclosure hurdles, lock timing, title and insurance items, closing-document needs, and funding dependencies. Rebrand-related labels are treated as descriptive only; current instructions in the lender’s approved systems take precedence over this page or any prior process.
File-level control points
How the workflow stays organized.
How are Averra and legacy TLS file records reconciled?
Confirm which legal entity, portal, program, and lender guide apply to the specific loan, then align the broker LOS, portal data, AUS, disclosures, and document index before submission or resubmission.
How should conditions be delivered through the TLS TPO workflow?
Match each document to the current request, verify it is complete and legible, identify any explanation or third-party dependency, and use the portal’s current review type or upload category rather than a legacy label.
What changes during closing coordination?
Attention shifts to lender and settlement contacts, disclosure or compliance hurdles, lock timing, final conditions, closing-document status, and funding requirements, with every question routed to the current assigned owner.
Independent Averra Financial (formerly The Loan Store) workflow FAQ
Questions brokers ask before handing off a file.
Why does this page mention both Averra Financial and The Loan Store?+
The names are presented to help brokers find the relevant workflow during a reported transition. The current legal entity, branding, portal, lender guide, and loan-specific instructions must always be verified before work begins.
Can My Loan Flow process both agency and Non-QM files in this workflow?+
Only after confirming the specific program, state, lender approval, processor scope, and current requirements. Product names or prior experience do not make every file eligible.
How are appraisal and closing questions routed?+
The processor uses the current loan contacts and portal instructions, documents the question and completed work, and routes it to the appropriate lender, appraisal, closing, funding, or broker owner.
Is My Loan Flow affiliated with or endorsed by Averra Financial or The Loan Store?+
No. My Loan Flow is an independent third-party processing company engaged by mortgage brokerages. The lender and portal names are referenced only to identify a broker-selected workflow. Neither company has sponsored or endorsed My Loan Flow or this page.
Public source check
Verify the lender workflow.
These links lead to publicly available lender materials and are provided solely to verify factual platform references. They do not sponsor, approve, or endorse My Loan Flow or this page. Current portal instructions, lender guides, and loan-specific requirements take precedence.
Compare another workflow
More independent workflow references
Plan your processing lane
Need independent processing support for a broker file submitted to Averra Financial (formerly The Loan Store)?
Start with business-level information about the brokerage, lender, product, state, system, volume, timing, and requested scope. Do not send borrower or loan documents through the marketing site.
- No borrower file needed
- Scope comes first
- Leave with a clear next step