Caleb's desk is the purchase side. That means reviewing income and asset documents, comparing loan programs against a buyer's down payment and timeline, and keeping the dates in a contract lined up with the dates in a loan file.
He explains an estimate line by line, and separates the figures the lender sets from the ones set by the county, the insurer, and the seller. Buyers usually leave those conversations with a written list of what changes the payment and what does not.
New construction sits on his desk too, where the appraisal, the builder's schedule, and the rate lock all have to be talked about at the same time.
Most confusion about a purchase loan comes from one number moving without anyone saying why.
A fictional colleague, written to show how a team page works. No licence identifier appears here, because inventing one in a real registry's format could collide with a working loan officer's record.