When adding a co-borrower to an existing loan application, the system may only generate limited disclosures (treating it as a Change of Circumstance) instead of providing the full initial disclosure package.

To generate complete initial disclosures for the newly added co-borrower, follow these steps:

Step 1: Go to Tools > Disclosure Tracking > Highlight the initial Disclosures

Step 2: Uncheck the 'Intent to Proceed' in initial disclosures

Step 3: Click 'Exclude from timeline'

Step 4: Complete the COC on the Loan Estimate

Step 5: Generate New disclosures

Step 6: Go back to the original initial disclosures in Disclosure tracking and Click 'Include in Timeline' (so that you maintain compliance and can pass Mavent)

Step 7: Add back the Intent to Proceed as required by your Policies and Procedures

This process ensures the co-borrower receives all necessary initial disclosures while maintaining compliance requirements and timeline integrity.