How to read a lender kickback letter, and respond in one submission
Meera Iyer · 2026-04-30 · 4 min read
Most kickbacks are three to five items. Treating them as a complete re-package is the mistake. Treating them as a list is the fix.
Classify every item
Kickback items fall into missing documents, calculation disagreements and narrative gaps. Each needs a different response: a document, a reconciliation, or a paragraph. Mixing them into a re-sent package loses the underwriter's place.
Respond with a change log
Send the updated package with a one-page list of what changed, where, and why. LoanPacket's version diff produces this automatically from the edit log, including figure-level changes to the spread.