Loan Set Up

Underwriting Support

• Order Appraisal Report


• Order Title Report


• Order Credit Report


• Order Written Verification of Employment


• Verbal Verification of Employment


• Third Party Verification for Businesses


• Order Home Insurance Policy


• Order Payoff’s


• Order Verification of Mortgage


• Order Verification of Deposit


• Order Flood Certificate


• Order Verification of Rent

Pre-Fund QC Audit
Most Quality Programs are based on a review of the loan after it has closed. This process leads to the discovery of problems that most likely could have been caught prior to closing and corrected had the review process been completed earlier in the process. Pre-fund Quality Assurance provides you with the reassurance that your loans are being originated to investor and agency guidelines prior to closing.

Reducing or eliminating Investor re-purchases by:

• Verify information listed on the loan application and obtain additional documents if required


• Assess the risk profile of the applicants based on the 4 Cs determining the appropriate risk class


• Evaluate Housing to Income (HTI), Debt to Income (DTI), Loan to Value (LTV) / Combine Loan to Value (CLTV) & High Credit Loan to Value (HCLTV) ratio


• Review Automated Underwriting Results


• Ensure that the loan meets all the Agency guidelines and investor overlays


• Review the Property Appraisal to determine whether the Property represents adequate collateral for the loan


• Add condition for missing documents


• Complete all Underwriting Worksheet and income calculations