File locking is a feature to curb the practice of file reuse.
|Under 30 days||Free to edit||Free to edit||Free to edit|
|120-180 days||Edit values only||Edit values only||Edit values only|
|Over 180 days||Locked, no editing||Locked, no editing||Locked, no editing|
Files will lock and restrict editing different elements of the loan file based on age and the tier of service of the user. If you would like to continue editing a file after a lock has been applied, you will need to create a copy of the file. The copy will reset the file age and permit editing again. Creating a copy will debit one file to the account.
The original file will be deleted and replaced by the file copy. This is done to avid confusion when searching for files b y loan number and finding multiple copies of the same loan.
To initiate a user directed copy of a file, open the file you want to copy and go to the BORROWER page. On the upper right hand corner click the two pages icon. This will initiate a file copy.