Santoyo Processing — Powered by Nations Capital Services

$Alexandra Santoyo$

Lead Processor

your
file's
best
friend

— Alexandra Santoyo —

About Alexandra

Loan officers should be selling, not stuck managing files.

My name is Alexandra Santoyo — a contract loan processor with 5+ years of experience, licensed across 42 jurisdictions and operating under Nations Capital Services, Inc.

I built my career on one simple belief: when you're chasing conditions, fixing documentation gaps, and wondering what's going on with your deals — you're not growing your business. You're just surviving it.

That's where I come in.

I manage the full loan lifecycle from contract to close — handling initial disclosures, LE previews, 1003 reviews, AUS submissions, and order-outs for title, appraisals, HOI, WVOEs, and VOMs.

Throughout processing, I proactively collect and clear conditions, identify red flags early, and keep every party informed so nothing slips through the cracks. I review CDs for TRID compliance, coordinate closings, and stay engaged post-closing to resolve trailing conditions.

What I Handle

Initial Disclosures & LE Previews

1003 Review & AUS Submission

Title, Appraisal & HOI Order-Outs

WVOE & VOM Coordination

Condition Collection & Clearing

CD Review & TRID Compliance

Closing Coordination

Post-Close Trailing Conditions

I'm fluent across agency, government, and Non-QM products — Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non-QM loan types — and experienced with LOS platforms including Calyx Point, LendingPad, and ARIVE.

My clients describe me as the processor who takes ownership of the file from day one — proactive, communicative, and always one step ahead.

Agency

Fannie / Freddie

Gov't

FHA · VA · USDA

Non-QM

DSCR · Bank Stmt

✿ The good stuff ✿

Three things every LO wants from their processor.

And three things you can stop hoping for and start expecting.

Speed without shortcuts

Disclosures out fast — usually within 48 hours. Your borrower signs faster, your file gets to the lender first, and you stay ahead of the rate market.

Live pipeline visibility

Every LO gets a private portal to track their loans in real time. Stage, dates, conditions — see it all without sending another "what's the status?" email.

Real ownership of the file

Conditions don't just get logged — they get worked. Borrower follow-up, doc review, resubmission. End-to-end, until your loan is clear to close.

Where we work

Licensed across the country.

Through Nations Capital Services, Alexandra processes loans in over forty states and the District of Columbia.

Jurisdictions Licensed

All+

Loan Types Welcome

Years Experience

Where Alexandra processes

AlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriNebraskaNevadaNew HampshireNew MexicoNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahWashingtonWest VirginiaWisconsinWyoming

Loan Submission

Hand off your file.

Quick walkthrough — about 7 minutes. We'll go one section at a time so nothing gets missed.

Step 1 of 7

First, who's sending the file?

Tell us about you so Alexandra knows who to follow up with.

Loan Officer's Name *

LO Phone *

LO Email *

Step 2 of 7

Who's buying, and what?

Borrower names, the subject property, and the close date.

Borrower Name(s) *

Subject Property Address * — include city, state & zip

Close Date *

Occupancy *

Property Type *

Entity / LLC Name — DSCR / investment

Step 3 of 7

The loan basics.

Investor, product, transaction type, and the numbers.

Investor / Lender *

Loan Program/Product *

Transaction Type *

AUS Status *

Mid Credit Score *

Estimated Value / Purchase Price *

Loan Amount *

Include Escrows? *

Step 4 of 7

Pricing & disclosure.

Rate, points, and how you want fees disclosed on the LE.

Rate to Disclose on LE *

Discount Points / Credit *

UW Fee Waived? *

Yes No

LPC or BPC *

Lender Paid Borrower Paid

Compensation % *

Estimated Cash To/From Borrower *

Closing Cost Disclosure Method *

Antisteering Complete? — skip if BPC

Yes No N/A (BPC)

Step 5 of 7

Funds & credits.

Where's the money coming from, and any seller credits.

Funds to Close Coming From *

Earnest Money Deposit *

Seller Credit Amount *

Step 6 of 7

Third parties.

Title, insurance, agents, and how to reach the borrower. Phone & email for each, please.

Title Company *

Insurance * — need quote to issue CD

Buyer's Agent * No buyer's agent

Listing Agent * — to order appraisal No listing agent

Borrower Contact *

Last step ✿

Anything else?

Anything Alexandra should know upfront. Quirky borrower situation, expedited timeline, special instructions.

Additional Notes to File *

✓

Got it — your file is in.

Alexandra will review your submission and reach out within one business day. You'll get a confirmation email at the address on file.

Now go close another one. ✿