Quality Control That Holds Up When
An Investor Or Auditor Looks Closely

A strong QC program is what makes a mortgage marketable and a lending business defensible. We run QC at every stage: pre-underwrite, pre-closing, post-close, and inline, against Fannie Mae, Freddie Mac, FHA, and investor guidelines.

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Compliance QC

Key Compliance Coverage Includes:

TRID
TILA-RESPA Integrated
Disclosure
HOEPA
Home Ownership And
Equity Protection Act
ECOA
Equal Credit
Opportunity Act
FCRA
Fair Credit
Reporting Act
HMDA
Home Mortgage
Disclosure Act
HOPA
Homeowners
Protection Act
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Fair Housing Act
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State-Specific
Requirements
icon Quality Checkpoints

Pre-Underwrite, Pre-Closing,
Post-Close & Inline QC

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Pre-UW

Re-verify income, assets, liabilities; compare LE, disclosures, and 1003 details.

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Pre-Closing

Validate documents present, check AUS data integrity, review appraisal and title reports.

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Post-Close

Review at least 10% of originated loans per Fannie Mae's post-closing QC requirement, checking underwriting decisions, disclosure accuracy, and fraud indicators.

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Inline

Review asset, income, HOI, VOE, and IRS transcript documents as soon as they arrive, so issues surface early.

Government Insuring Audits

Confirm FHA/VA insuring guideline compliance, with findings and remediation recommendations. Review loan documentation for eligibility, accuracy, and completeness before submission. Identify potential compliance gaps and exceptions that could delay government insuring. Provide clear findings and actionable recommendations to support timely resolution.

icon AGENTIC EDGE

The 100+ data-point QC check MSuite already runs on 3,000 loans a month is live today. The agentic direction takes it further: an agent that doesn't just report a QC finding but classifies it, auto-resolvable versus needs-a-human, and routes only the second kind to a QC analyst as a Human-in-the-Loop (HITL) checkpoint, so the analyst's time goes to findings that actually require judgment.

icon HOW IT WORKS

How The
Workflow Runs

Step by step: where a person on our team does the work (BPO Support), where MSuite does it (Automation), and where the agentic layer is designed to take it (Agentic roadmap unless marked live above).

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BPO SUPPORT AUTOMATION AGENTIC
  1. 01
    Automation

    MSuite runs the 100+ data-point QC check automatically on every file.

  2. 02
    Agentic

    Agent classifies each finding as auto-resolvable or needs-a-human.

  3. 03
    BPO Support

    QC analyst reviews only the findings flagged as needing judgment, a HITL checkpoint.

  4. 04
    BPO Support

    Compliance QC checked against TRID, HMDA, ECOA, FCRA, and state-specific requirements.

  5. 05
    Automation

    Pre-closing document presence and AUS data-integrity checks run automatically.

  6. 06
    BPO Support

    Post-close QC reviews the Fannie Mae-required 10% sample of originated loans.

  7. 07
    BPO Support

    Government insuring audits performed for FHA/VA files.

  8. 08
    BPO Support

    Findings and remediation recommendations delivered to the lender.

icon YOUR QUESTIONS, ANSWERED

Frequently Asked Questions

Reviews assess loan documents, AUS data accuracy, underwriting choices, disclosures, compliance, and fraud indicators. Inline QC verifies income, assets, insurance, employment, and IRS transcripts.

The agentic layer classifies QC findings as either auto-resolvable or needing human review. Those requiring judgment are sent to a QC analyst through a Human-in-the-Loop checkpoint.

Reviews cover applicable TRID, HOEPA, ECOA, FCRA, HMDA, HOPA, Fair Housing, and state requirements. Applicable Fannie Mae, Freddie Mac, FHA, VA, and investor guidelines are also reviewed.

Automation handles defined checks, while specialists cover exception reviews, post-close quality control, government audits, and findings management.

The government audits FHA and VA loan files to ensure compliance with insuring guidelines. Issues found are documented with recommendations for the lender's follow-up.
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Your Requirements.

Tell us about your operational needs, challenges, and goals. Our team will help you identify the right mortgage solutions, technology, and support for your business.

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