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AI & Technology Why Commonwealth Cost Calculator InsightsKnow what you are buying before you own it.
Pre-purchase and pre-securitization file review covering credit, compliance and valuation, delivered as one report rather than three that disagree with each other.
Credit · Compliance · Valuation · One report
Three disciplines, one set of findings.
A defect usually sits across boundaries: a credit decision that only works because the valuation was generous, or a compliance miss created by a documentation gap. Reviewing them separately is how those get missed.
Credit
Was the loan underwritten to the guideline it claims? Income, assets, capacity and the exceptions granted along the way, assessed by underwriters rather than checklist reviewers.
Compliance
Disclosure timing, fee tolerances and the regulatory requirements that travel with the loan after sale. These are the findings that survive a change of ownership and become your problem.
Valuation
Appraisal review including Fannie Mae Collateral Underwriter findings, so collateral risk is assessed on the same evidence an agency would use rather than on the number in the file.
Warehouse due diligence
For warehouse lenders, verification of credit and collateral supporting draws against a line: the control that stands between a funding request and warehouse line fraud.
Findings you can price.
A due diligence report exists to inform a decision that has money attached. Severity has to be clear enough to argue from.
Scope to the transaction
Sample size and depth follow what is at stake and what the counterparty will accept: a whole-loan purchase, a securitization pool and a warehouse line are not the same review.
Reviewed by practitioners
The same underwriters and compliance staff who do this work daily, not a team assembled for diligence season. They recognise which exceptions were reasonable and which were convenient.
Graded, not just listed
Findings separated by severity, with the ones that affect saleability or carry post-close liability distinguished from the ones that are merely untidy.
Support through the decision
Available to walk the findings through with your counterparty, your counsel or your investor, since the report usually becomes the basis of a negotiation.
Defects do not stay with the seller.
Once a pool is acquired, a defective file is your repurchase exposure, your compliance finding and your loss. Diligence is the last point at which that risk can still be priced, excluded or walked away from.
Tell us about the pool.
Size, product mix, timeline and who is on the other side- that is enough for us to tell you what the review should look like.