Contract Services
Contract Underwriting Contract Processing Quality Control CondoAnalytics™Consulting & Compliance
Regulatory Compliance HMDA & MCR Reporting Expert WitnessMore
AI & Technology Why Commonwealth Cost Calculator InsightsFiles that arrive at underwriting already clean.
Processors averaging more than ten years of experience, working inside your own LOS exactly as an internal processor would, scrubbing files with an underwriter’s eye before the problems become conditions.
Onshore delivery · Dedicated processor · We work inside your LOS
Every product line, including the ones we don’t underwrite.
Processing covers a wider book than underwriting does. If you send us government files, this is the team that handles them.
Conventional & agency
Fannie Mae and Freddie Mac files processed against current seller guide requirements, with income, asset and title documentation assembled the way an underwriter expects to receive it.
FHA & VA
Full government file processing, including the documentation trails and overlays that generate the most conditions. We process these even though we do not underwrite them.
Non-QM & portfolio
Bank statement, DSCR and investor files where the documentation burden is heaviest and a missing month or an unsourced deposit costs a week of back-and-forth.
Construction & renovation
Draw-based and one-time-close files, with builder documentation, budgets and contingency paperwork gathered and checked before the file moves forward.
Overflow capacity without the onboarding.
You are not training a temp and you are not adopting our system. You are adding a processor who already knows the guidelines and already works the way your shop works.
We work inside your LOS
Not a portal, not a parallel system, and nothing for you to upload. We operate in all the major loan origination systems under your own credentials and business rules, so the file never leaves your system of record and your audit trail stays intact.
We fit your mold, not ours
Every shop runs differently: stacking order, condition wording, who gets copied on what. Learning your process is part of the job. The same processor handles your files rather than a rotating pool, so your loan officers get a name and a direct line.
The file gets scrubbed, not just assembled
Seasoning gaps, title defects, unsourced deposits and missing VOEs surface here rather than three weeks later. This is the step that separates processing from document collection.
Submitted and followed through
We stay with the file through conditions and closing rather than handing it off at submission, so nothing waits on someone remembering to chase it.
The industry still takes six weeks to close a loan.
Most of that six weeks is not work. It is waiting for a document nobody asked for early, for a condition that a careful first pass would have prevented. Experience is what closes that gap, and it is the thing hardest to hire for in a hurry.
Try it on your next overflow week.
Send the files you do not have capacity for and see what comes back. No system to implement first.