Our mortgage quality control staff performs loan reviews and provides a complete analysis of credit, collateral and compliance. From pre-funding to post-closing we ensure that all loan file selections are structured to comply with investor and agency requirements and guidelines.

We accept mortgage loan files and other imaged documents via file transfer protocol (SFTP) or through the BlitzDocs system. We are a Certified Due Diligence and QC Provider with Xerox Mortgage Services BlitzDocs, a secure paperless imaging platform.

Our online communications portal allows our clients to interact and communicate with us electronically once each mortgage loan review is completed, while ensuring you get a hands-on approach that’s better hands down. But we don’t just hand the compliance results over to you. We give you background on how we got there using a state-of-the-art software system that’s cutting edge, not cookie cutter.

For a limited time, receive 10% off the cost of your first month’s pre-funding quality control reviews. For your discount details or to get a free quote contact Betsy Reynolds at 855-734-7655 or send us a message through our contact page.

• Validation that certain required documents are in the loan file and are complete and that the data relied on by the client making the underwriting decision is accurate.
• Validation of information in the application and credit report.
• Integrity of data entered into an automated underwriting system.
• Review of Income calculations and supporting documentation and employment documentation, including verbal verification of employment.

• Review of assets needed to close or meet  reserve requirements.
• Appraisal validation
• Red Flags review
• Occupancy intent
• Eligibility criteria
• Verification that required disclosures are in the file.

• Client’s Quality Control Plan including policies and procedures.
• Fannie Mae, Freddie Mac, FHA, VA, Rural  Development, and Federal Home Loan Bank’s  investor guidelines and requirements including agency documentation requirements and insurer and guarantor requirements.
• Evaluation of underwriting decisions and approval conditions and review of underwriting supporting documents.
• Comprehensive compliance review to determine compliance with applicable federal and state laws and regulations and with investor and agency compliance and closing requirements.

• Review of disclosures for accuracy by comparing them to source documents and allowing for timing requirements.
• Verification of the existence of all required legal and other required documentation that should be in the file.
• Field and/or desk review of appraisals.
• Reverifications are performed of all employment, income, credit reports, deposits, assets, tax returns, and other information as required on each loan file.
• Checks for fraud and red flag Indicators.