Mortgage Post Closing Services

Accuracy and compliance are essential in the post-closing stage of the mortgage lifecycle to ensure the loans meet investor guidelines and boost repurchase demand. . Expert Mortgage Assistance’s mortgage post-closing services are designed to give lenders, credit unions, REITs, and mortgage brokers in the US, UK, Europe, and Australia access to a fully digital, AI-powered infrastructure that ensures accuracy, speed, and control at scale.

Our thoughtful application of machine learning (ML) and artificial intelligence (AI) not only improves investor trust and regulation but also streamlines operations. As a direct extension of your company's internal operations, a dedicated mortgage post-closing specialist handles each task, from confirming the accuracy of the loan package to third-party re-verification and credit risk analysis.

Our virtual mailroom features scan and categorize incoming trailing documents, and automated processes guarantee that post-closing activities like investor shipping, loan registration, and MERS updates are completed on time. Revise your post-closing procedures and equip your company with solutions that boost brand value and promote long-term growth in a market that is becoming increasingly competitive by partnering with Expert Mortgage Assistance.

Proficient Mortgage Post-closing Services We Offer

Our mortgage post-closing solutions are carefully crafted to make your loans pass investor scrutiny, adhere to regulatory standards, and troubleshoot routine documentation problems.

Trailing Document Retrieval

We swiftly and accurately handle the entire trailing document lifecycle, making sure that all necessary files are received and verified as part of the post-closing procedure in mortgage operations. Our staff works closely with recording offices, settlement agents, and title companies to fill in any documentation gaps that would cause an investor's purchase or servicing transfer to be delayed.

Post-closing Data Integrity Audit

As part of our post-closing audit services, we do thorough data integrity checks to confirm that concluded loans meet origination and underwriting requirements. By integrating quality assurance into each stage of the post-closing mortgage lifecycle, these audits reduce the likelihood of buybacks and increase secondary market acceptance.

MERS Services

Our team is focused on overseeing and upholding adherence to the Mortgage Electronic Registration System (MERS), which is a crucial step in the mortgage closing procedure. We guarantee that every mortgage loan is accurately entered and updated in the MERS database, avoiding compliance problems and promoting seamless loan transfers.

Our post-closing quality control audits adhere to investor-specific procedures as well as GSE, FHA, and VA guidelines to make sure every completed loan satisfies performance and compliance requirements prior to service transfer. We carry out methodical evaluations to find and fix any problems prior to loan transfers to investors or servicers.

Tax, Insurance, and Reserve Audit

We verify all escrow-related information after closing, such as reserve account computations, insurance coverage, and property taxes. Our audit procedure minimizes the possibility of servicing disparities by verifying adherence to investment rules and borrower disclosures.

Why Should You Choose Our Mortgage Post Closing Services?

Automate Exception Identification:

By checking closed loan packages for 300+ rule-based and predictive exception triggers, our AI-powered mortgage post-closing audit solution helps detect missing, incomplete, or inconsistent documents before loans enter the secondary market.

Intelligent Document Tracking:

Our automatic document tracking removes black-box activities and guarantees that every item is accounted for prior to shipping or loan sale, including title insurance, registered deeds, and trailing paperwork.

Virtual Mailroom Infrastructure:

Our virtual mailroom uses automatic indexing, classification, and routing to manage large volumes of trailing documents, all of which are integrated into your LOS.

Loss Mitigation Support:

We employ predictive analytics in our post-closing audit process to find paperwork and compliance problems that could otherwise go unnoticed until a servicing event or investor comment.

Pre-servicing QC for Reduced Onboarding Deficiencies:

We conduct pre-servicing audits to confirm loan completeness and compliance before transfer to eliminate typical servicing rejections and lower the chance of first-payment default.

Mortgage Post-closing Checklist Completion:

We employ AI-driven recognition models that compare checklist specifications with actual loan paperwork; we automate the validation of your post-closing mortgage documents based on your checklist.

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