Who Does What in the Mortgage Process? Roles Explained

Editor’s note: This post was updated in 2026 to reflect current mortgage industry roles and disclosure requirements.

A lot of people touch your file between application and closing. With the disclosure and compliance rules that have piled on over the years, there are more hands in the process now than there were a decade ago — not fewer. Here’s a rundown of who typically does what. Keep in mind titles and org structures vary by lender, so your experience may look a little different depending on who you’re working with. [Read more…]

Michelle Brown’s Memorial Service

Update: Michelle’s obituary and guest book.

Here is a memo from Christine, one of my co-workers at Mortgage Master. She did a wonderful job composing this regarding Michelle Brown’s Memorial on Monday, December 17. Mortgage Master will be open with a light staff on Monday. I will not be working on that day. Please contact my Processor, Dina should you need anything on a transaction in progress.

To The Friends of Michelle Brown~

As most of the you are aware, on the afternoon of December 12th, our dear friend Michelle passed away. Below is information that her family has asked me to pass on.

Michelle’s memorial service will be held at the Kent Senior Activity Center at 2:00pm, Monday, December 17th. There will be a celebration of Michelle’s life immediately following the memorial service at Henry’s Switch at Lake Wilderness Golf Course. There will also be an open viewing at Marlatt’s Funeral Home on Monday morning from 9:00 am to 11:00 am.

In lieu of flowers, donations may be made in memory of Michelle to Seattle Cancer Care Alliance, or The family of Michelle Brown Memorial Fund.

As her friend, I know the family would want me to extend their gratitude to each and every one of you for your love, friendship, support and generosity. We have all been truly blessed to have had such a wonderful person touch our lives and live forever in our hearts.

Warmest regards,

Christine

I am scouring through my photos trying to find more of Michelle. This is a goofy one where we are dressing up like Marilyn Porter (the lady in the red hat who is my sister in law and our “boss”) celebrating Marilyn’s milestone birthday.

Michelle enjoyed life and was never without a smile.