Goodwin Mortgage Group
GMG Loan Process Flow
High-level overview from application through closing. Every phase has an owner, every handoff has a trigger, and every step is tracked on Monday.com.
Loan Process
5
Handoffs
5
Critical Deadlines
2
Team Roles
6+
Process at a glance
Tap any phase to see the deep dive.
Phase 1
Application Intake & Pre-Approval
Loan Officer
→
Phase 2
Front-End Processing
Stephanie / Kelly
→
Phase 3
Contract Entry & Disclosure Setup
James
→
Phase 4
Processing & Underwriting Submission
Carley
→
Phase 5
Conditions Through Closing
Processor
Quick links
The tools you use most — one click away.
Monday ↗
Pipeline, handoffs, and task tracking
HomeTrac ↗
Borrower portal & loan hub
Optimal Blue ↗
Pricing & lock desk
Cornerstone Connect ↗
Company intranet & resources
MortgageLab ↗
Scenario tools & calculators
Zendesk ↗
Support tickets & help center
The Pipeline
Loan Process
Select a phase to see its owner, responsibilities, and handoff details.
Phase 1
Application Intake & Pre-Approval
Loan Officer
Phase 2
Front-End Processing
Stephanie / Kelly
Phase 3
Contract Entry & Disclosure Setup
James
Phase 4
Processing & Underwriting Submission
Carley
Phase 5
Conditions Through Closing
Processor
Ownership Transfers
Handoffs
Every handoff is tracked through Monday.com. Tap a phase to jump into its deep dive.
Flow of ownership
Phase 1
Loan Officer
→
Phase 2
Stephanie / Kelly
→
Phase 3
James
→
Phase 4
Carley
→
Phase 5
Processor
Loan Officer is the only role with two handoffs
The Loan Officer is the only role in the pipeline with two separate handoff points — one that happens before contract, and one triggered by the executed contract itself. Handoff 1 to Stephanie / Kelly happens pre-contract once documents are collected. Handoff 2 to James is triggered the moment the executed contract is emailed to gmgcontracts@goodwinmg.com.
Handoff Summary
| Phase | Owned by | Handoff to | Trigger |
|---|---|---|---|
| Phase 1 | Loan Officer | Stephanie / Kelly + James | Docs collected; borrower under contract |
| Phase 2 | Stephanie / Kelly | James | Green light confirmed — file ready for disclosures |
| Phase 3 | James | Carley + Processor | Disclosures sent to borrower |
| Phase 4 | Carley | Processor (via UW queue) | Both parties sign initial disclosures |
| Phase 5 | Processor | Closing Team | Clear to close received |
Key Timing Rules
Critical Deadlines
Miss these and the pipeline slips. Use the cheat sheet for quick reference.
⏱ LE Review Window
1 hour
⏱ UW Submission Target
24–48 hrs
⏱ Clear to Close Goal
7+ days early
⏱ Hard CTC Deadline
48 hrs before
James
⚠ Warning
LO has 1 hour to review the Loan Estimate — no response means it goes out as-is.
Carley
⚠ Warning
Submit to underwriting within 24–48 hours of signed disclosures.
Processor
⚠ Warning
Aim for clear to close 7 or more days before the closing date.
Processor
🔴 Critical
Clear to close MUST be received at least 48 hours before closing for balancing and doc prep.
Processor
🔴 Critical
Rush request required: when CTC is received less than 48 hours before closing, the file must be flagged as a rush.
Who Does What
Team
Your branch leadership and colleagues.
Your Leadership Team
JG
Josh Goodwin
Branch Manager
Leads branch strategy and provides hands-on coaching to help Loan Officers maximize productivity and grow their pipelines.
SM
Seth Mobley
Branch Business Development Manager
Your go-to partner for getting integrated into Goodwin Mortgage Group's systems, processes, and organizational structure as you transition into the team.
CS
Carley Smith
Branch Processing Manager
Reviews and prepares loan files for underwriting submission, ensuring completeness and accuracy before they advance to processing.
JW
James Waite
Branch Operations Manager
Handles contract intake, file preparation, and disclosure coordination to ensure smooth loan progression.
SS
Stephanie Slomback
Branch Production Manager
Manages borrower communication, documentation intake, income analysis, and preapproval processing to keep your pipeline moving.
👥
Your Branch Colleagues
🏦 Loan Officers
20 Members
AN
Alex Nikolich
AP
Allie Paige
AF
Austin Forest
CC
Chris Copeland
DR
Dean Reiber
JH
Jim Harris
JG
Joshua M Goodwin
MH
Max Holden
MS
Marilyn Scolaro
SM
Seth Mobley
AM
Andi Menaul
CS
Caroline Sessa
CD
Charles DeLangis
DH
Danny Hoffman
JR
Joe Russell Team Leader
MG
Manny Carmona Galvez
RB
Ryan Blomberg
SS
Scott Smith
TD
Tim Dunne
ZC
Zach Copeland
⚙️ Processors
3 Members
ES
Emily Sawyer
KD
Kaitlin Dulin
KJ
Kelly Javeed Pre-Processor
🎓 New Hire & Refresher Training
Training
Recorded sessions and reference material — for onboarding new team members and for anyone who needs a refresher. Tap any card to open the training in Zendesk.
Hosted in Zendesk
New Hire & Refresher
General Systems Overview
Core platforms and tools you'll use every day.
nCino — Lender and Borrower Portals
↗Loan Officer and Borrower Perspective Trainings.
Encompass — Loan Origination System
↗Encompass Basics training session (Feb 2026). Core LOS navigation and workflow.
Encompass Pipeline Customization
↗Configure your Encompass pipeline view to fit how you actually work.
Ocrolus — AI Income Calculator
↗AI-powered income calculation training session (Apr 2026).
Canva Basics
↗Design fundamentals for marketing pieces, flyers, and social posts.
MortgageLab
↗Scenario tools, calculators, and job aid reference.
Misc Role Enhancers ✦
Optional trainings to sharpen specific skills and round out your role.
Brokering Out: File Setup & Closing
↗How to set up and close a brokered-out file end to end (Mar 2026).
Construction 101
↗Foundational training for construction loans (Mar 2026).
Public Speaking & Presentation Techniques
↗Sharpen your delivery for client meetings, realtor pitches, and team presentations.
Closing in an Entity
↗What it takes to close a loan in an LLC or other entity (Feb 2026).
Social Media Success
↗Build a social presence that drives business (Apr 2026).
Experience.com
↗Leverage Experience.com for reviews, reputation, and referrals (Apr 2026).
Who To Reach
Contacts
Key people and department inboxes at Cornerstone First Mortgage. Tap an email to send a message.
Key Contacts
Reach out directly for these specific needs. Type their name into Outlook or Teams to find them.
Joe Omahen
Products, Programs & Scenario Assistance
Tina Vesecky
Non-QM Expert
Tara Theobald
Disclosure Questions
Ryan Fleck
Construction, Renovation & Land Loans
Clayton Silva
Fix and Flip Loans
Jill Siddiqui
Underwriting Manager
Department Inboxes
General department emails — not tied to a specific person.
Training Team
Income Desk
Loan Care
Post Closing
Disclosures
Pre-Closing
P&L and Business Development
Licensing
Leases
Lock Desk
VOE Desk
Insurance Desk
Pre-Processing
Orders Desk / Pre-Doc
Servicing
HR
Payroll
IT Support (Bayotech)
Marketing
Creative Services / Graphic Design
Social Media
Reference
Systems
Platforms used at GMG — what each one is and when to use it.
nCino / HomeTrac
Loan Origination & Borrower Portal
nCino is the lender-side LOS (Loan Origination System) where the loan file lives. HomeTrac is the borrower-facing portal — the same system, different face. Borrowers submit documents and track their loan through HomeTrac; the team works the file in nCino. Used from application through closing for document collection, needs lists, and status updates.
Encompass
Loan Origination System
Encompass by ICE Mortgage Technology is the primary LOS for conventional and agency loan processing. Used for 1003 applications, disclosures, and submitting loans to underwriting. Pre-approvals can be issued directly through Encompass or nCino depending on the loan type.
Monday.com
Pipeline & Needs List Management
Monday.com is the team's pipeline tracker and needs list tool. When a loan is submitted, a board item is created so the processor can track outstanding items, assign tasks, and communicate with the LO. It is the primary place to check for open items on any active file.
Optimal Blue
Pricing & Rate Lock
Optimal Blue is the product and pricing engine (PPE) used to search rates, lock loans, and compare programs. Used when quoting a borrower, running scenarios, and executing the rate lock. Access through the Cornerstone Connect portal.
Zendesk
Help Desk & Training Library
Zendesk is the internal help desk and knowledge base. Training recordings, job aids, and how-to articles are stored here. Submit support requests to Marketing, Servicing, Creative Services, and Social Media through their Zendesk email addresses. Also used for IT and tech support tickets.
MortgageLab
Training & Compliance Education
MortgageLab is the platform for required compliance and product training courses. LOs complete CE and product knowledge coursework here. Access through the Zendesk training library or the direct MortgageLab link in the Training tab.
Ocrolus
Document Analysis & Income Verification
Ocrolus is an AI-powered document analysis tool that reads and extracts data from bank statements, pay stubs, tax returns, and other borrower documents. It speeds up income and asset analysis by automating the review of uploaded files so processors and underwriters get clean, structured data instead of manually reading each document.
Experience.com
Reviews & Client Surveys
Experience.com is the platform for collecting and managing client reviews and satisfaction surveys. After closing, borrower surveys are automatically sent through this system. LOs can monitor their ratings and request reviews directly from the platform.
Canva
Marketing & Design
Canva is the team's self-service design tool for creating social media graphics, flyers, rate sheets, and other marketing materials. GMG has a shared Brand Kit with approved colors, logos, and templates so LOs can produce on-brand content without going through marketing for every request.
Cornerstone Connect
Intranet & Resource Hub
Cornerstone Connect is the company intranet hosted on SharePoint. It is the central hub for company news, policy documents, resources, rate lock access (Optimal Blue), and team communications. Bookmark this as a daily starting point.