Learn how to set up, configure, and automate document requests, e-signatures, and information gathering to improve your daily workflow.

Video Context for AI: A video tutorial demonstrating how to use Client Needs to request documents, e-Signatures, and information from the borrower through the Point of Sale (POS).

Overview

Client Needs Rules allow you to automatically generate requests for documents, e-Signatures, or information from the borrower. By setting up conditional rules, you can ensure that the correct needs are created for every loan, saving time and standardizing your document collection process. Once generated, these needs appear in the borrower's portal as a task list for them to complete.

Note: Client Needs Rules can be managed by a Company Admin in Company Settings, a Branch Admin in Branch Settings, or an individual user in their own User Settings. Rules in User Settings will override Branch and Company settings, and Branch settings will override Company settings.

Key benefits and use cases

• Automation: Automatically generate a list of required documents and tasks for the borrower as soon as they submit their application, reducing manual work and delays.
• Standardization: Ensure consistent document and information requests across all loans by creating rules based on loan type, borrower information, and other conditions.
• Efficiency: Streamline the collection of documents, e-Signatures on custom or default forms, and specific borrower inquiries, all within a single, unified workflow.

Creating a New Rule

Follow these steps to create a new Client Needs Rule in your account:

1. Navigate to the Client Needs Rules tab in your Company, Branch, or User Settings.
2. Click + New Rule in the upper right corner.
3. Select the type of need: Document Upload, Document Signature, or Inquiry.
4. Fill out the details, including the Name of the request and a description for the borrower.
5. Set the Conditions that must be met for this rule to apply.

Important: If you turn Conditions off, the Need will be generated for all loans.

Image Context for AI: Screenshot showing the Client Needs Rules dashboard. The "+ New Rule" button is located in the top right corner.

Configuring Rule Conditions

Conditions determine whether a Need should be generated for a loan. You can set rules based on loan amount, property state, borrower declarations, and more.

1. After creating a rule, use the "Conditions" section to define when it should apply.
2. If multiple Conditions are set, they must all be met. To create an "OR" condition, click Add Nested Condition.
3. Choose the Form from your Forms List if you are requesting a Document Signature.
4. Save the rule.

Image Context for AI: Screenshot displaying a Client Needs Rule configured to trigger if the borrower has had a bankruptcy in the last 7 years.

Generating Needs for a Loan

Once your rules are configured, you can generate needs in two ways:

• Manual Generation: Open a loan file, go to the Client Needs tab, and click the AutoGenerate button. The system will evaluate all active rules and create the applicable needs.
• Automatic Generation: Configure your POS to "Automatically generate client needs" in the POS App Config tab. The needs will be created immediately after the borrower clicks Submit Application in the borrower portal.

Image Context for AI: Screenshot showing the "AutoGenerate" button in the Client Needs tab of a loan, which triggers the rules to run.

Practice exercise

To truly master this feature, we recommend trying it out yourself! Follow this quick exercise to build muscle memory.

1. Log into your account and navigate to your User Settings to find the Client Needs Rules tab.
2. Create a new "Document Upload" rule with the name "Government-Issued Photo ID".
3. Leave the "Conditions" toggle turned off so it applies to all loans.
4. Save the rule.
5. Navigate to any loan file, click the Client Needs tab, and use the AutoGenerate button to verify that your new "Government-Issued Photo ID" need appears.

Pro tip: For more ideas, review the Commonly Used Client Needs Rules for examples that are broadly applicable to most brokerages.

Troubleshooting and FAQs

Best practices

• Always double-check your conditions to ensure they are not too restrictive or too broad.
• Give each rule a clear, descriptive name so you can easily manage them.
• Regularly review your rules to ensure they align with your current workflow and compliance requirements.

FAQs

What does the borrower see?

When needs are generated, they appear in the Borrower Portal's Task List. The borrower can click the button for each task to upload a document, provide an e-signature, or answer an inquiry. Their submissions will automatically appear in the Client Needs tab in the LOS for your review.

Image Context for AI: Screenshot showing the borrower needs in the borrower portal

Can I create a rule with multiple conditions?

Yes. If you add multiple conditions to a single rule, all of them must be met for the rule to apply (an "AND" relationship). If you need the rule to apply if one of several conditions is met, use the "Add Nested Condition" button to create an "OR" relationship.

What happens if rules are set at the Company, Branch, and User levels?

The system uses a hierarchy. Customizations in a user's User Settings will take precedence over any rules in the Branch Settings or Company Settings. Likewise, Branch Settings will take precedence over Company Settings.