Post-Closing QC
Every sampled loan re-verified and reported inside the 90-day QC cycle, findings cited to the page.
Why it matters
QC teams re-verify income, assets, value and occupancy by hand on every sampled loan; the 90-day cycle slips when volume rises.
How the solution handles it
Agents select the random and discretionary sample, re-check each file against the guide, send and track reverifications, grade defects by severity and draft the findings report. The QC manager signs findings to management.
How a QC review moves
Five agents select the sample, re-check each file, track reverifications, grade defects and draft the report; a QC manager signs the findings.
What it reads, and what it hands back.
What goes in
- Closed loan file
- QC sample list (random and discretionary)
- IRS tax transcripts and VOEs
- Appraisal and field review
- Investor and agency guidelines
What comes out
- Cited QC findings report
- Defect grades and root causes
- Reverification log
- Management report
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
of the 90-day cycle
Source: Fannie Mae Selling Guide D1-3-01 (90-day QC cycle) and D1-3-03 (reverifications) · “Target” = design goal, measured in the live solution · by-hand time = typical manual effort reported by lenders · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
A full loan package classified, split, extracted and bookmarked, every field cited to its page.
Income CalculationWage, self-employed and rental income calculated to agency rules, every figure traced to its page.
Condition ClearingEvery PTD and PTF condition matched to the document that clears it, the same day it arrives.
Build this
for your team.
We’ll show Post-Closing QC running on your own documents.