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

# Order-Outs Overview

> Learn when and how Pylon automatically orders third-party services like appraisals, title, income verification, and more after receiving Intent to Proceed (ITP).

Pylon automatically orders third-party services (order-outs) only after receiving **[Intent to Proceed (ITP)](/entity-models/key-concepts/itp)**, which occurs after borrowers sign their initial disclosures. This approach ensures that services are only ordered when borrowers are committed to moving forward, reducing costs and improving efficiency.

## What is Intent to Proceed (ITP)?

**[Intent to Proceed (ITP)](/entity-models/key-concepts/itp)** is a regulatory requirement that indicates a borrower's commitment to proceed with a loan application. ITP is established when all borrowers on the loan have signed their initial disclosures.

<Info>
  **Timing matters**: To achieve quick closes, it's crucial to have borrowers
  sign initial disclosures as soon as possible. Once [ITP](/entity-models/key-concepts/itp) is received, Pylon
  immediately triggers order-outs, starting the clock on third-party services.
</Info>

## Which order-outs are triggered

Upon receiving ITP, Pylon automatically triggers orders for:

<CardGroup cols={2}>
  <Card title="Appraisal" icon="home">
    Property valuation through appraisal waiver, desktop, hybrid, or full
    appraisal
  </Card>

  <Card title="Title" icon="file-text">
    Title search and title insurance services
  </Card>

  <Card title="Income Verification" icon="dollar-sign">
    Verification of income and employment
  </Card>

  <Card title="Flood Certification" icon="droplet">
    Flood zone determination and certification
  </Card>

  <Card title="SSN Verification" icon="shield">
    Social Security Number verification
  </Card>

  <Card title="Tax Certificates" icon="receipt">
    Tax certificate retrieval
  </Card>
</CardGroup>

## Checking ITP status

You can determine if ITP has been signed by querying the loan's disclosures history and checking whether every recipient of the initial disclosure has signed:

```graphql theme={null}
query {
  disclosuresHistory(loanId: "loan_abc123") {
    disclosures {
      id
      packageType
      status
      recipients {
        displayName
        signed
      }
    }
  }
}
```

<Note>
  **ITP is established when**: Every recipient of the initial disclosure has
  `signed: true`. Once all borrowers have signed, Pylon will automatically
  trigger order-outs.
</Note>

## Order-out flow

<Steps>
  <Step title="Borrower signs disclosures">
    All borrowers on the loan sign their initial disclosures through your
    application or Pylon's disclosure system.
  </Step>

  <Step title="ITP is established">
    Once all borrowers have signed, [ITP](/entity-models/key-concepts/itp) is automatically established in Pylon's
    system.
  </Step>

  <Step title="Order-outs triggered">
    Pylon immediately begins ordering third-party services: - Appraisal (if
    required) - Title services - Income/employment verification - Flood
    certification - SSN verification - Tax certificates
  </Step>

  <Step title="Track progress">
    Monitor order-out status through the loan's tasks and updates. See [Tracking loan updates](/recipes/loan-updates) for details.
  </Step>
</Steps>

## Why ITP matters for speed of closing

<Warning>
  **Quick closes require early [ITP](/entity-models/key-concepts/itp)**: The faster borrowers sign initial
  disclosures, the sooner order-outs begin, and the faster you can close loans.
  Delays in getting [ITP](/entity-models/key-concepts/itp) directly impact closing timelines.
</Warning>

Best practices for quick closes:

1. **Present disclosures early**: Show initial disclosures as soon as the loan application is complete and pricing is locked.

2. **Make signing easy**: Provide a seamless digital signing experience to reduce friction.

3. **Follow up promptly**: If borrowers haven't signed within 24-48 hours, follow up to ensure they complete this critical step.

4. **Explain the importance**: Help borrowers understand that signing disclosures starts the clock on third-party services and moves their loan forward.

## Monitoring order-out status

After [ITP](/entity-models/key-concepts/itp) is established, you can monitor the status of order-outs through polling the loan for updates to track when order-outs are placed and completed. See [Tracking loan updates](/recipes/loan-updates) for implementation details.

## Related resources

* [Intent to Proceed (ITP)](/entity-models/key-concepts/itp) - Detailed explanation of ITP and how to check status
* [Disclosures](/entity-models/disclosures) - How to retrieve and track disclosure signing
* [Tracking loan updates](/recipes/loan-updates) - Monitor loan status and order-out progress
* [Appraisal order-outs](/guides/getting-started/order-outs-and-integrations/appraisal) - Learn about the appraisal waterfall
* [Title order-out](/guides/getting-started/order-outs-and-integrations/title) - For title companies: write fees to the loan so the Closing Disclosure is accurate
* [Credit pulls](/guides/getting-started/order-outs-and-integrations/credit) - Understand credit pull requirements
* [Day 1 Certainty & AIM overview](/guides/getting-started/order-outs-and-integrations/d1c-aim/overview) - Automated verification services