Loans in process don't pause for your vacation. Underwriters need responses, appraisals come in, conditions get cleared. Solo mortgage brokers either wait until between funding cycles or build a covering LO arrangement.
Two windows for solo mortgage brokers: (1) the lull between funding cycles (typically mid-month), (2) the slow season (December through mid-January). For active loans during vacation, designate a covering loan officer with same-state licensure and pre-handle the predictable conditions before you leave. Keep the covering arrangement formal — your processor and lender need to know who to contact.
Mid-month (between funding cycles) is the natural lull. The week after closing day and before the next funding push.
December's last 2 weeks are also slow in most markets — borrowers don't want to deal with paperwork during holidays.
For active loans during your absence:
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