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Quality Control
Quality Control
Quality Control
Quality Control
Our LOS streamlines and automates various stages of loan processing, from application through approval and disbursement.
Our LOS streamlines and automates various stages of loan processing, from application through approval and disbursement.
Our LOS streamlines and automates various stages of loan processing, from application through approval and disbursement.
Our LOS streamlines and automates various stages of loan processing, from application through approval and disbursement.
01
Post-Closing and Quality Control Audits
01
Post-Closing and Quality Control Audits
01
Post-Closing and Quality Control Audits
01
Post-Closing and Quality Control Audits
Post-Closing QC
Post-Closing QC
Post-Closing QC
Post-Closing QC
After the loan closes, it is subject to a post-closing audit. This audit verifies that the loan file is complete, all required documents are included, and that the loan was closed in compliance with all regulations.
After the loan closes, it is subject to a post-closing audit. This audit verifies that the loan file is complete, all required documents are included, and that the loan was closed in compliance with all regulations.
After the loan closes, it is subject to a post-closing audit. This audit verifies that the loan file is complete, all required documents are included, and that the loan was closed in compliance with all regulations.
After the loan closes, it is subject to a post-closing audit. This audit verifies that the loan file is complete, all required documents are included, and that the loan was closed in compliance with all regulations.
File Review
File Review
File Review
File Review
The file is reviewed to ensure there are no missing documents (such as appraisals, insurance, etc.), that all signatures are in place, and that there are no errors in the final closing statement.
The file is reviewed to ensure there are no missing documents (such as appraisals, insurance, etc.), that all signatures are in place, and that there are no errors in the final closing statement.
The file is reviewed to ensure there are no missing documents (such as appraisals, insurance, etc.), that all signatures are in place, and that there are no errors in the final closing statement.
The file is reviewed to ensure there are no missing documents (such as appraisals, insurance, etc.), that all signatures are in place, and that there are no errors in the final closing statement.
Investor Review
Investor Review
Investor Review
Investor Review
Many loans are sold to investors (e.g., Fannie Mae, Freddie Mac, or private investors). A quality check is performed to ensure the loan meets investor guidelines before it is sold. If there are discrepancies or missing documentation, the loan may be returned to the lender for correction.
Many loans are sold to investors (e.g., Fannie Mae, Freddie Mac, or private investors). A quality check is performed to ensure the loan meets investor guidelines before it is sold. If there are discrepancies or missing documentation, the loan may be returned to the lender for correction.
Many loans are sold to investors (e.g., Fannie Mae, Freddie Mac, or private investors). A quality check is performed to ensure the loan meets investor guidelines before it is sold. If there are discrepancies or missing documentation, the loan may be returned to the lender for correction.
Many loans are sold to investors (e.g., Fannie Mae, Freddie Mac, or private investors). A quality check is performed to ensure the loan meets investor guidelines before it is sold. If there are discrepancies or missing documentation, the loan may be returned to the lender for correction.
Regulatory Audit
Regulatory Audit
Regulatory Audit
Regulatory Audit
Regular audits are performed to ensure that the lender complies with state and federal regulations. This may include reviewing loan documentation for compliance with Dodd-Frank, the Fair Lending Act, and other relevant legislation.
Regular audits are performed to ensure that the lender complies with state and federal regulations. This may include reviewing loan documentation for compliance with Dodd-Frank, the Fair Lending Act, and other relevant legislation.
Regular audits are performed to ensure that the lender complies with state and federal regulations. This may include reviewing loan documentation for compliance with Dodd-Frank, the Fair Lending Act, and other relevant legislation.
Regular audits are performed to ensure that the lender complies with state and federal regulations. This may include reviewing loan documentation for compliance with Dodd-Frank, the Fair Lending Act, and other relevant legislation.
02
Servicing Quality Control
Loan Servicing
Loan Servicing
Loan Servicing
Loan Servicing
Once the loan is closed and sold to investors, it enters the servicing phase. Here, the mortgage servicer is responsible for managing the day-to-day aspects of the loan, including collecting payments, managing escrow accounts, and handling customer inquiries.
Once the loan is closed and sold to investors, it enters the servicing phase. Here, the mortgage servicer is responsible for managing the day-to-day aspects of the loan, including collecting payments, managing escrow accounts, and handling customer inquiries.
Once the loan is closed and sold to investors, it enters the servicing phase. Here, the mortgage servicer is responsible for managing the day-to-day aspects of the loan, including collecting payments, managing escrow accounts, and handling customer inquiries.
Once the loan is closed and sold to investors, it enters the servicing phase. Here, the mortgage servicer is responsible for managing the day-to-day aspects of the loan, including collecting payments, managing escrow accounts, and handling customer inquiries.
Servicing Quality Checks
Servicing Quality Checks
Servicing Quality Checks
Servicing Quality Checks
Regular quality checks are conducted to ensure that the servicer is following best practices for customer service, maintaining accurate loan records, and complying with all applicable regulations (such as the Homeowners Protection Act and the Fair Debt Collection Practices Act).
Regular quality checks are conducted to ensure that the servicer is following best practices for customer service, maintaining accurate loan records, and complying with all applicable regulations (such as the Homeowners Protection Act and the Fair Debt Collection Practices Act).
Regular quality checks are conducted to ensure that the servicer is following best practices for customer service, maintaining accurate loan records, and complying with all applicable regulations (such as the Homeowners Protection Act and the Fair Debt Collection Practices Act).
Regular quality checks are conducted to ensure that the servicer is following best practices for customer service, maintaining accurate loan records, and complying with all applicable regulations (such as the Homeowners Protection Act and the Fair Debt Collection Practices Act).
Escrow and Insurance Reviews
Escrow and Insurance Reviews
Escrow and Insurance Reviews
Escrow and Insurance Reviews
Ensure that the escrow account is properly managed and that insurance policies (e.g., homeowner’s insurance, flood insurance) are maintained in accordance with loan terms.
Ensure that the escrow account is properly managed and that insurance policies (e.g., homeowner’s insurance, flood insurance) are maintained in accordance with loan terms.
Ensure that the escrow account is properly managed and that insurance policies (e.g., homeowner’s insurance, flood insurance) are maintained in accordance with loan terms.
Ensure that the escrow account is properly managed and that insurance policies (e.g., homeowner’s insurance, flood insurance) are maintained in accordance with loan terms.
Default Prevention and Loss Mitigation
Default Prevention and Loss Mitigation
Default Prevention and Loss Mitigation
Default Prevention and Loss Mitigation
Quality checks are implemented to identify early signs of default, ensuring timely communication with borrowers who are at risk of missing payments. Loss mitigation options (e.g., loan modifications, forbearance) are offered in line with regulatory guidelines to help prevent foreclosures.
Quality checks are implemented to identify early signs of default, ensuring timely communication with borrowers who are at risk of missing payments. Loss mitigation options (e.g., loan modifications, forbearance) are offered in line with regulatory guidelines to help prevent foreclosures.
Quality checks are implemented to identify early signs of default, ensuring timely communication with borrowers who are at risk of missing payments. Loss mitigation options (e.g., loan modifications, forbearance) are offered in line with regulatory guidelines to help prevent foreclosures.
Quality checks are implemented to identify early signs of default, ensuring timely communication with borrowers who are at risk of missing payments. Loss mitigation options (e.g., loan modifications, forbearance) are offered in line with regulatory guidelines to help prevent foreclosures.
03
Continuous Monitoring and Compliance
03
Continuous Monitoring and Compliance
03
Continuous Monitoring and Compliance
03
Continuous Monitoring and Compliance
Regulatory Updates and Training
Regulatory Updates and Training
Regulatory Updates and Training
Regulatory Updates and Training
The mortgage industry is highly regulated, and the quality control process includes staying up-to-date with changes in regulations and guidelines. Lenders and servicers must regularly train their staff to ensure they comply with new laws and regulatory changes (e.g., updates from the Consumer Financial Protection Bureau, or CFPB).
The mortgage industry is highly regulated, and the quality control process includes staying up-to-date with changes in regulations and guidelines. Lenders and servicers must regularly train their staff to ensure they comply with new laws and regulatory changes (e.g., updates from the Consumer Financial Protection Bureau, or CFPB).
The mortgage industry is highly regulated, and the quality control process includes staying up-to-date with changes in regulations and guidelines. Lenders and servicers must regularly train their staff to ensure they comply with new laws and regulatory changes (e.g., updates from the Consumer Financial Protection Bureau, or CFPB).
The mortgage industry is highly regulated, and the quality control process includes staying up-to-date with changes in regulations and guidelines. Lenders and servicers must regularly train their staff to ensure they comply with new laws and regulatory changes (e.g., updates from the Consumer Financial Protection Bureau, or CFPB).
Internal Audits
Internal Audits
Internal Audits
Internal Audits
In addition to external regulatory audits, lenders and servicers typically perform internal audits and self-assessments to identify and correct any operational inefficiencies, errors, or non-compliance before they become major issues.
In addition to external regulatory audits, lenders and servicers typically perform internal audits and self-assessments to identify and correct any operational inefficiencies, errors, or non-compliance before they become major issues.
In addition to external regulatory audits, lenders and servicers typically perform internal audits and self-assessments to identify and correct any operational inefficiencies, errors, or non-compliance before they become major issues.
In addition to external regulatory audits, lenders and servicers typically perform internal audits and self-assessments to identify and correct any operational inefficiencies, errors, or non-compliance before they become major issues.
Customer Feedback and Satisfaction
Customer Feedback and Satisfaction
Customer Feedback and Satisfaction
Customer Feedback and Satisfaction
Quality control isn't just about documentation—it's also about the borrower experience. Monitoring customer satisfaction and addressing complaints or feedback is part of ensuring the overall quality of the mortgage process.
Quality control isn't just about documentation—it's also about the borrower experience. Monitoring customer satisfaction and addressing complaints or feedback is part of ensuring the overall quality of the mortgage process.
Quality control isn't just about documentation—it's also about the borrower experience. Monitoring customer satisfaction and addressing complaints or feedback is part of ensuring the overall quality of the mortgage process.
Quality control isn't just about documentation—it's also about the borrower experience. Monitoring customer satisfaction and addressing complaints or feedback is part of ensuring the overall quality of the mortgage process.
Explore Options With No Cost
Explore Options With No Cost
Explore Options With No Cost
Explore Options With No Cost
13492 Research Blvd
#120 Austin,
TX 78750
(512) 893 7797
sales@acuriq.com
13492 Research Blvd
#120 Austin,
TX 78750
(512) 893 7797
sales@acuriq.com
13492 Research Blvd
#120 Austin,
TX 78750
(512) 893 7797
sales@acuriq.com
13492 Research Blvd
#120 Austin,
TX 78750
(512) 893 7797
sales@acuriq.com
13492 Research Blvd
#120 Austin,
TX 78750
(512) 893 7797
sales@acuriq.com