Occupancy assessment
Every full-file review now requires documented occupancy assessment — investor intent, primary residence verification, and second-home/investment property checks — or the package does not release.
The most defensible post-close QC package a lender can buy.
Mortgage Post-Close QC & Compliance Audit Engine delivers a done-for-you, per-loan quality-control review package — full-file reverification, TRID/compliance checks, occupancy assessment, and severity-rated defect findings with rebuttal-ready documentation — so lenders keep their agency approvals and shrink repurchase exposure without staffing an in-house QC shop.
Every element of Fannie Mae SEL-2025-04Full-file reverification & TRID checksOccupancy assessment per new GSE rulesSpecialist release on every package5-business-day SLA
Why QC fails
A single missed defect can trigger a repurchase demand.
Every loan sold to Fannie Mae, Freddie Mac, Ginnie Mae, FHA, VA or USDA requires an independent post-closing quality-control review — a minimum 10% random sample plus targeted files. Miss a reverification step, overlook a TRID tolerance violation, or fail to document occupancy correctly, and the lender faces repurchase demands that have spiked 10x in recent years.
Most lenders run QC with thin internal teams or legacy outsourcing that relies on manual stare-and-compare. When volume spikes, reviews get rushed, defects slip, and the GSE finds them first.
Mortgage Post-Close QC & Compliance Audit Engine exists to close that gap with a single, exhaustive standard applied identically to every loan file.
24.7%
of defects in Q4 2025 came from Legal/Regulatory/Compliance — the top category
The benchmark
Measured against the letter of GSE and agency requirements — every subsection.
We do not summarize the rules and hope. Every QC package is scored against a versioned rule pack tied to the exact text of Fannie Mae Selling Guide Part D, FHA Handbook 4000.1, VA Pamphlet 26-7, and TRID Regulation Z. These are the provisions each package is held to.
Income/employment reverification through closing
Income and employment must be reverified as of the closing date, not just at application. Our engine extracts and cross-checks paystubs, tax returns, and VOE data deterministically.
TRID tolerance & timing checks
All fee tolerances, closing disclosure timing, and loan estimate comparison are run as deterministic rules — no manual calculation, no missed tolerance violations.
Third-party originator sampling
Monthly targeted sampling of TPO loans is now required. Our engine automatically flags and includes TPO loans in the sample per the new GSE rules.
Agency-specific defect coding
Defect severity ratings and root-cause codes are mapped to each agency's taxonomy — FHA, VA, USDA, GSE — so the report is immediately usable in agency reviews.
Reverification of assets & credit
Bank statements, asset accounts, and credit data are reverified against the closing file. Any discrepancy is flagged and documented for rebuttal.
How a QC package is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed QC underwriter reviews exceptions and signs every release. That order is never reversed.
01
QC Gap Scan
Upload a sample loan file or pipeline report. We return a free completeness read: which QC elements and reverifications you already have, and which are missing under SEL-2025-04.
02
Loan file intake
As your authorized QC agent, we ingest the closed loan file from your LOS/imaging system — documents, data, and closing package.
03
AI extraction & reverification
Our engine classifies ~60 document types, extracts and reverifies income/assets/occupancy/credit data, and runs deterministic TRID/RESPA/ECOA tolerance and timing checks.
04
Deterministic completeness gates
Reverification results reconcile to the file; occupancy assessment is verified; TRID tolerances are computed; TPO sampling is confirmed. Any failure blocks release.
05
Specialist review & sign-off
A licensed/seasoned QC underwriter reviews exceptions, sets final severity ratings, and signs the report. High-risk or complex files route to senior review.
06
Delivery
You receive the QC package: full findings report, severity-rated defects, rebuttal-ready documentation, trend report, and audit trail — ready for your QC committee and agency review.
The bar we hold
Rigor you can measure.
100%
Specialist-reviewed
No package ships without a licensed QC underwriter signature.
5 days
Standard SLA
From complete intake to released QC package.
<1%
Critical-defect target
Tracked against a gold-standard package library.
4
Agency rule sets
GSE · FHA · VA · USDA, every applicable file.
Why Mortgage Post-Close QC & Compliance Audit Engine
Built to be the most thorough option a lender has.
Documentation-complete, by design
The deliverable is completeness itself — every QC element and reverification accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare QC documentation and run reverifications as your independent QC agent. We never originate loans, give legal advice, or interact with borrowers.
Engagement
Flat fee per reviewed loan. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free QC Gap Scan before you commit — see exactly what is missing under SEL-2025-04.
- One flat fee per released QC review package; disclosed pass-through search fees if applicable.
- Optional fixed-fee attorney review for complex regulatory interpretation.
- Optional Monthly Program Retainer for trend reporting and QC committee support.
FAQ
Questions, answered precisely.
Is Mortgage Post-Close QC & Compliance Audit Engine a law firm?
No. Mortgage Post-Close QC & Compliance Audit Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex regulatory interpretation.
Do you contact borrowers or originate loans?
Never. We are not a lender or loan originator. We act as an independent QC agent, reviewing closed loan files and returning findings. The lender remains responsible for all borrower communications and loan origination.
What makes a QC package 'complete'?
Completeness is defined by the GSE and agency requirements: occupancy assessment, income/employment reverification through closing, TRID tolerance checks, TPO sampling, asset/credit reverification, and agency-specific defect coding. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released QC package. The free QC Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per reviewed loan, plus optional monthly retainer for program management. No hourly billing and no percentage of any loan amount.
See what's missing before it costs you a repurchase.
Start with a free QC Gap Scan. Send a sample loan file or pipeline report and we'll return a completeness read against every subsection of SEL-2025-04 and agency requirements.
Documentation-completeness service · not legal advice · the lender retains all origination and borrower-facing responsibilities.