> ## Documentation Index
> Fetch the complete documentation index at: https://docs.homestar.goslate.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Coast-to-Coast Perfect Flow

> This guide outlines the complete application journey from the applicant’s first input to final approval by the credit team.

## Applicant Flow

### 1. **Property Input**

The applicant enters the property address and relevant property details.

<img src="https://mintcdn.com/slate-dd657e91/ylcQ_ybD9QQUpAF_/images/dashboard.png?fit=max&auto=format&n=ylcQ_ybD9QQUpAF_&q=85&s=7eab4289a37833b8db2423d4a2f5664d" alt="dashboard" title="dashboard" style={{ width:"100%" }} width="1430" height="901" data-path="images/dashboard.png" />

***

### 2. **Proptrack AVM**

A bank-grade Automated Valuation Model (AVM) generates an estimated property valuation instantly.

> 📷 *\[Insert example output of AVM results]*

***

### 3. **Current Loan Details**

The applicant provides details about any current mortgage, including loan balance and repayment structure.

***

### 4. **Refinance Breakdown**

Applicants specify their refinancing goals, including:

* Desired loan amount
* Refinance purpose
* Preferred repayment outcomes

***

### 5. **Application Dashboard**

Applicants complete assigned tasks and upload required documents:

* Verification of Identity (VOI)
* Mortgage statements
* Proof of income (e.g. payslips)

> 📷 *\[Insert image showing the task and upload dashboard]*

***

### 6. **Application Submitted**

After completing all sections and uploading documents, the applicant reviews and formally submits the application.

***

## Credit Team Workflow

### 7. **Compliance Checks**

Credit team reviews the application for:

* Regulatory compliance
* Accuracy of provided information
* Completeness of all documents

***

## Error Handling

### If errors are identified:

* The credit team can **request additional information** from the applicant. How-to found here

### If compliance is unclear:

* The analyst will **escalate** the application for secondary review.

> 📷 *\[Optional flowchart showing error → request or escalation path]*

***

## ✅ Decisioning

### 8. **Pre-Approval**

If the application meets all criteria:

* Credit team **issues a pre-approval**

If it does **not** meet criteria:

* Credit team **declines** or **marks as ineligible**

***

### 9. **Pre-Approval Stage**

The credit team confirms that:

* All supporting documents are valid
* All policy conditions are satisfied

***

### 10. **Fully Approved**

Once all conditions are met:

* The application is **formally approved**
* Final processing and transition to settlement begins

> 📷 *\[Insert visual of approved application dashboard]*