# First 90 seconds scan sheet

**Mortgage Dorks Season 1**
**Course:** Deal Desk
**Lesson:** The First 90 Seconds of a File
**Format:** Worksheet

## Use This For

Teach the first veteran scan: what must be true for this file to close, and what could kill it fastest.

## Artifact Contents

- Purpose, occupancy, property type, and timeline.
- Cash to close and reserve source.
- Income type and stability clue.
- Credit posture and quiet liability clue.
- Must-be-true statement and first proof ask.

## How To Use It

- Run the scan on the synthetic file board.
- Write the must-be-true sentence before choosing a product.

## Guardrail

Use synthetic or anonymized facts only. Remove names, exact property addresses, phone/email, SSN/DOB, loan numbers, account numbers, NMLS/customer IDs, unique employer or business names, screenshots, credit reports, AUS findings, tax docs, bank docs, and any combination of facts that could identify a borrower or customer. Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.