Sequence of events - lender sends docs to title, title prepares Hud and affadavits, title sends Hud back to lender for approval, title waits for Hud approval, title waits and waits and waits some more, title finally gets Hud approval, title sends docs to NSA. If a SS is involved, title sends docs to SS, then SS sends docs to NSA. Sometimes there is a problem along the way and they have to start the process over. Sometimes the docs are ready to go, but are just waiting to be emailed or uploaded.
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