For 1 your account is not active until the loan is generated which is not until after underwriting is completed. For 2 bank of america uses special loan numbers for naca members that the system does not recognize. This is because there is a special closed loop system where bank of america employees are not allowed to view naca files. There is an annexed department that works exclusive on naca files. It is completely internal and un-contactable from the outside. Once your loan is generated you will be put into bank of americas regular system. Until then your point of contact is your counselor.
I was able to log into the BOA Loan Navigator 3 days before I received the final clear-to-close, which was 4 days before my actual close. The loan number was on a packet that I received from BOA in the mail.
The loan number was not recognized initially the day before, but I tried it again and it worked.
I was stuck on Approved – Outstanding Conditions and someone suggested that I could look for outstanding conditions on the Loan Navigator App.
There wasn’t any real insight gained from logging in, but it did give me a bit of relief because it said that my application had received final approval a few days before I got the alert in my webfile.