Contract Services
Contract Underwriting Contract Processing Quality Control CondoAnalytics™Consulting & Compliance
Regulatory Compliance HMDA & MCR Reporting Expert WitnessMore
AI & Technology Why Commonwealth Cost Calculator InsightsQC that tells you why, not just what.
Pre-funding reviews returned same day by auditors who used to underwrite, with the option to run from read-only access to your own Encompass, so there is nothing for your team to upload and nothing to chase.
Same-day pre-funding turns · Read-only Encompass access · Reporting housed for audit
From a single sample to a full program.
Whether you need a QC plan written for your own team to run, or the whole function handled end to end from read-only access to your LOS, the scope follows your risk rather than a fixed package.
Pre-funding QC
Returned same day, which is the only turn time that actually matters before funding. Defects surface while the loan can still be corrected rather than after it becomes a repurchase conversation.
Post-funding QC
Monthly and discretionary sampling against agency requirements, with findings documented to withstand an investor or regulator asking how the sample was selected.
EPD & forensic review
Early payment default reviews and forensic underwriting for litigation, where the question is not whether a defect exists but exactly when it entered the file and who could have caught it.
QC plan design
A written plan built for your channels and volumes that your own staff can operate, rather than a template that reads well until an auditor asks how you apply it.
Detection is the easy half.
Any audit can produce a list of defects. The value is in what happens after the list.
Give us read-only access
Upload files to our secure submission portal or provide read-only Encompass access. Access to your LOS removes the upload step entirely: no pulling files, no exporting production reports, no portal for your staff to maintain. We pull the sample ourselves, which is what turns QC from a monthly scramble into something that simply runs. Scope follows your channels, products and volumes rather than one fixed percentage applied everywhere.
Reviewed by former underwriters
Auditors who have made credit decisions themselves recognize a defect that matters and distinguish it from a documentation nit. Appraisals are reviewed against Fannie Mae’s Collateral Underwriter.
Findings you can act on, filed where you can find them
Each finding carries the guideline it came from and the severity, with direct access to the auditor who wrote it. All reporting is housed on a SharePoint portal, so when an auditor or investor asks, the evidence is already organized and waiting rather than being reconstructed from email.
Mitigation and training
Recurring defects get traced to their origin and addressed with your staff, because the point of QC is a shrinking findings report rather than a consistent one.
Start with one month’s sample.
Run a single review cycle alongside whatever you do now and compare what comes back.