Independent lender workflow guide
Contract Processing for Averra Financial and TLS Broker Workflows
My Loan Flow supports the lender workflow supplied by the brokerage for Averra Financial and legacy The Loan Store files. Because naming, portals, programs, and procedures can change during a rebrand, the current lender guide and authorized portal record control every processing step.
Platform expertise
What does experienced processing look like 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.
Averra Financial (formerly The Loan Store) processing 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.
Does this page represent an endorsement by Averra Financial or The Loan Store?+
No. It describes independent contract-processing familiarity using nominative references to the lender and its systems.
Current public references
Verify the lender workflow.
These official lender sources support the platform references on this page. Current portal instructions, lender guides, and loan-specific requirements take precedence.
Compare another workflow
More detailed lender guides
Plan your processing lane
Need processing support for a Averra Financial (formerly The Loan Store) file?
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