New Paragraph

VIDEO RESOURCES

1 of 7

How to Disclose your Mortgage File in Arive

All Correspondent files will be disclosed in Arive through the integration with DocMagic.  This is already set up on your Arive site.  The only exceptions are if you send your Correspondent Loan File to EPM, Kind, Mega, NewRez, Plaza, Towne, UWM, and Windsor.  You will be required to use these 7 lenders to do the disclosures for you - EVEN on Correspondent Loan File.

Preparing and Sending Initial Disclosures in Arive

This video is designed to show you the steps it takes to send disclosures in teh Arive system.  It does not address Fee Worksheets or Pricing.   

2 of 7

Pricing Training with UWM - Very Important to Watch

Innovative Mortgage Executive and Management team hold the MLOs 100% accountable for the accuracy of pricing and disclosure of points and fees correctly.  This is a great training video to explain pricing on our Correspondent Line of products.  If you still have questions or are unsure of the proper locking, pricing, and/ or disclosing of your loan, please get with your AE, Bryan, or Drew and get teh resolution in writing to cover yourself.

Ensuring Accuracy

The bottom line is this: If you are not making all of your comp in yield spread, you need to add it to BOX A as an origination fee


If pricing is at a cost, then you need to add the cost as a Discount fee and your compensation as an Origination fee.

3 of 7

Adding Processor to your file in Arive - Contract and Innovative Processors

In Arive you can create a TEAM with a processor that you normally use.  Everytime you start a file the Team Processor will be selecred.  You can also add a different processor if you need to based on availability and capacity.

How to Add a Processor

  •   From your Dashboard or Pipeline page, Click on your Picture or Initials in the Top Right Corner
  • Select your USER SETTINGS
  • In the new window, select My Team in the Left Hand column
  • Then Select MANAGE in the upper Right Corner
  • Then in the Top Right Corner pick Invite Processor
  • Enter the Contract Processor’s Email and Select ADD TO MY TEAM in the bottom right corner

GO TO THE LOAN FILE

  • Go to Set up and Contacts
  • Under Loan Contacts Select Loan Processor
  • You will see the Newly Added Contract Processor
  • Select their name and add to your file 

4 of 7

Brand 360 Marketing Training

This training was hosted by Cheryl Hagan about how to best utilize UWM's Brand360 for marketing purposes.

Brand 360

Please keep Innovative's Marketing Policy in mind when using this resource.


All marketing and advertising must be approved in advance by Innovative management.  Marketing and advertising include any written, spoken, or printed campaigns distributed to the public.  Social media posts (LinkedIn, Facebook, Instagram, Twitter, TikTok) websites, mass emails, radio, television and any other similar media where the public might consume a business solicitation also fall under marketing and advertising.

Each and every marketing and advertising campaign must include the following information:

  • The loan originator unique NMLS identifier.
  • Innovative’s corporate or branch unique NMLS identifier.
  • The Equal Housing Lender logo and “Equal Housing Lender” phrase.
  • An accurate APR, where interest rate and terms are listed.

Marketing and advertising must not include:

  • An interest rate without corresponding APR.Identification of an unlicensed business address or location.Any guarantee of financing.


You must email your marketing/advertising to bryan@innovativemlo.com  or fax it to 727-489-9504 for advance approval prior to distribution.

5 of 7

Affiliated Business Disclosure

If you have an affiliated business, please make sure that the "Affiliated Business Arrangement Disclosure" is filled out in Arive and sent to your borrower for signature at the same time as the initial disclosures for every file that this pertains to.

Affiliated Business Arrangement Disclosure

This video shows you how to find the Affiliated Business Arrangement Disclosure in Arive.


If you are working as the real estate agent and loan originator on the file please make sure to fill out the the Dual Status Disclosure form and send it out at the same time as the initial disclosures for signature. 


The Dual Status Disclosure does not replace the ABA disclosure and is specific to the realtor role ONLY. Therefore, if you work in any other dual capacity on a file (title, insurance, etc) you'll still need to complete and sign the Affiliated Business Agreement Disclosure Form when initial disclosures are sent out.


6 of 7

15 Minute Processor Call

01/15/2025 Zoom Processor Call

  1. Locking Loans Prior to getting Initial Disclosures Signed
  2. DUAL CAPACITY form - required on all loans when applicable
  3. New COC / Edit option in Arive
  4. Reconsideration of Value  - ROV - send with Appraisal Delivery 
  5. Red Flag Questionnaire and Processor Responsiblities

7 of 7

15 Minute Processor Call

02/11/2025 Zoom Processor Call

  1. Real Time updating of Arive  - Dates, Docs, Comments. etc
  2. Cloning and Adversing files in Arive
  3. Reconsideration of Value  - ROV - send with Appraisal Delivery 
  4. Red Flag Questionnaire and Processor Responsiblities

Weekly Innovative Mortgage Workshop for Arive Recordings

List of Services