Mortgage Underwriting Services

Pre-Underwriting (Loan Submission)

Our pre-underwriting and loan submission services include comprehensive document validation, eligibility verification, and condition identification. We proactively flag potential issues such as late payment explanations, employment gaps, credit score concerns, or documentation deficiencies, accelerating the condition clearing process and ensuring smooth submission to final underwriting for faster loan approvals.

Credit Report

We order tri-merge credit reports and perform comprehensive credit analysis of prospective borrowers including FICO score review, credit history evaluation, tradeline verification, FHA credit authorization, Social Security Number (SSN) validation, MERS loan search, payment default screening, and IRS tax return verification to assess creditworthiness and loan repayment capacity.

Income and Asset Review

We conduct comprehensive verification of income, employment, and asset documentation provided by borrowers. Our verification process includes Verification of Employment (VOE), Verification of Deposit (VOD), Verification of Mortgage (VOM), pay stub analysis, W-2 validation, tax return review, bank statement verification, property sale history checks, and appraiser license verification to ensure full documentation and borrower qualifications per Fannie Mae, Freddie Mac, and FHA guidelines.

Borrower File Review

We meticulously review complete borrower loan files including Form 1003 (URLA), credit reports, FICO scores, 1040 tax returns, and financial statements to verify borrower capacity to make monthly mortgage payments. We evaluate the complete credit profile against Fannie Mae DU (Desktop Underwriter) and Freddie Mac LPA (Loan Product Advisor) guidelines using our proven checklist-based quality control system, ensuring all critical underwriting criteria are met before final loan approval.

Data Validation

We utilize automated underwriting systems including Desktop Underwriter (DU) from Fannie Mae and Loan Product Advisor (LPA) from Freddie Mac to validate critical borrower attributes including credit scores, income calculations, employment history, and debt-to-income (DTI) ratios. Our mortgage underwriting support team digitizes all AUS findings and validation results to establish the accuracy and processing speed required for expedited loan underwriting decisions.

Fraud Review

Our fraud detection specialists meticulously review and cross-verify income documentation, debt statements, employment records, and supporting documentation. Our mortgage fraud analysis team leverages industry experience to identify missing information, suspicious patterns, falsified documents, and fraudulent data, preventing loan file kickbacks to processors and enabling underwriters to focus exclusively on loan approval decisions rather than document validation.

Condition to Close

We compile a comprehensive list of all outstanding conditions, stipulations, and requirements necessary to clear the loan for closing, including documentation gaps, verification needs, and compliance requirements.

Final Approval

Final underwriting approval confirmation authorizing the loan to proceed to closing once all conditions are satisfied and the loan meets all investor, regulatory, and internal lending guidelines.

Key Service Features