Underwriting Conditions Tracker

BorrowerDocs helps you track underwriting conditions (stips) in one place instead of spreadsheets and scattered notes. Borrowers see exactly what's needed, you can request re-uploads in context, and you always know what's cleared vs still outstanding.

Why underwriting condition tracking gets messy

Conditions live in spreadsheets and notes instead of in the file.
Re-requests get vague, so borrowers upload the wrong revision.
It is hard to see what is cleared vs still outstanding without digging.

How it works

Step 1

Create condition requests in checklist format

Add stip items with borrower-facing descriptions so expectations are clear before upload starts.

Step 2

Review each upload and set condition status

Mark items as Partial, Needs re-upload, or Approved and keep comments tied to the condition.

Step 3

Export with confidence

Generate a cleaner packet and quickly communicate what is complete versus outstanding.

Condition workflow features

Condition-level statuses

Track each condition separately.

Re-upload reasons

Fix issues without long threads.

Request-level Q&A

Questions stay tied to the condition.

Due dates + nudges

Follow up without manual chasing.

Templates

Reuse common condition sets.

Submission readiness

Know what still blocks handoff.

Conditions Checklist

Track conditions with clear statuses, due dates, and request-level actions in one view.

8 items · 5 approved · 3 outstanding

Add request

Income

Letter of explanation - credit inquiry

Approved1 fileQ&A

Due Mar 12, 2026

Most recent paystub

Uploaded1 fileQ&A

Uploaded recently. Waiting for broker review.

Assets

Bank statements - last 2 months

Needs Re-upload1 fileQ&A1

Request note: include all pages for both months, including blanks.

Security and trust

Condition handling stays inside the borrower portal workflow, reducing unsecured attachment forwarding and preserving clearer review history.

FAQs

Is this a full LOS conditions module?

No. It's a focused, borrower-facing conditions tracker for brokers and small teams, not a full LOS replacement.

Can I track partial condition completion?

Yes. Use Partial status when a borrower has started but has not yet supplied everything needed.

How do borrowers see what to fix?

Each condition can include a re-upload reason and context, visible directly in the borrower portal request view.

Can this reduce spreadsheet tracking?

Yes. The goal is to keep condition progress in the file itself so status does not drift across separate tools.

Ready to get started?

Try using BorrowerDocs to send a borrower portal, collect secure uploads, and track document status in one place.

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