Prefund QC
The Problem
Prefund QC is the last line of defense. Miss a defect and you face buyback risk, investor penalties, or regulatory findings — and the cost of a repurchase dwarfs the cost of the review.
The Mortna Approach
Our AI-assisted team reviews credit, compliance, collateral, documentation, and fraud — structured findings in minutes, each rated by severity and cited to the guideline. Human reviewers verify every flagged item and sign off. Full-file or targeted, and independent of your production chain (per Fannie D1-2).
What’s Included
- Credit: income, assets, liabilities, DTI, credit history
- Compliance: TRID, HMDA, ECOA, state disclosures
- Collateral: appraisal, title, insurance, flood
- Documentation: completeness, signatures, dates, consistency
- Fraud screen: OFAC, GSA/SAM, HUD LDP, FHFA suspended counterparty, and MERS lookup for undisclosed mortgages
- Investor eligibility: Fannie / Freddie / Ginnie / private overlays
What You Receive
A file-level findings report: every defect rated by severity, cited to the specific guideline, with the supporting document referenced — plus a portfolio-level summary of defect rate and trend. Delivered inside your funding window.
Standard SLA
24 hours for a full-file review; faster for targeted scopes.
Catch defects before they fund.
Send us a batch of files — free, no commitment. See the findings for yourself.
Book a Demo →