This job aid provides step-by-step guidance for TPO MLOs and Processors on how to manually order appraisals through ARDRI’s Mercury Network portal. It outlines how to log in or create credentials, complete the appraisal order form for both Consumer and…
This document outlines the application requirements, disclosures, and contractual framework for Third Party Originators (TPOs) seeking approval to submit both consumer and business purpose loans to ARDRI. It details required company information and documentation, broker duties and compliance obligations, fraud…
This document outlines the requirements, disclosures, and contractual terms for Third Party Originators (TPOs) seeking approval to submit Business Purpose loans to ARDRI. It details the TPO application process, required company documentation, broker responsibilities, compliance and fraud prevention standards, underwriting…
The Closing Information Commitment Form confirms all final loan, borrower, and settlement details required for ARDRI to issue a Clear to Close. It is not a commitment to lend and must be completed accurately to prevent closing delays.
To support fast, compliant, and efficient processing, ARDRI requires specific Minimum Submission Requirements for all Consumer Purpose loans. These items ensure your file is complete for initial underwrite and disclosures, helping us meet our published SLAs and consistently close loans…
To help us deliver fast, reliable turn-times and close your Business Purpose loans in 30 days or less, ARDRI requires a set of Minimum Submission Requirements for the initial underwrite and disclosure process. These items ensure your file enters our…
This form is required under Section 440 of Article 12-A of the New York Real Property Law for all mortgage transactions involving ARDRI in the state of New York. It serves as a legal attestation by the referring party or…
The document outlines state-specific eligibility rules for prepayment penalties on Business Purpose Loans, showing where prepayment penalties are allowed, restricted, or must be priced without them.
ARDRI’s P&L doc type guidelines require completion of this packet in its entirely by the borrower’s tax preparer. Instructions for completion are found on this page.
The ARDRI Lock & Pricing Policy outlines the procedures and guidelines for locking loan interest rates and managing pricing for approved clients. ARDRI offers Best Effort rate locks only, and all locks must be processed through the ARDRIhub platform.
© 2026 ARDRI LLC. NMLS #2495114. Rates, fees and programs are subject to change without notice. Other restrictions may apply. This information is intended solely for mortgage bankers, mortgage brokers, financial institutions and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. www.nmlsconsumeraccess.org.
