Post-Close QC
The Problem
Post-close QC is a Fannie/Freddie requirement and your early-warning system. A missed defect today becomes a repurchase demand months from now — long after you can fix it cheaply.
The Mortna Approach
Fannie Mae D1-3 aligned random and discretionary sampling, full-file re-underwrite, and income/employment/asset reverifications — with monthly defect trending mapped to the Fannie defect taxonomy and both gross and net defect reporting.
What’s Included
- Sampling: random and discretionary selection (per D1-3)
- Full-file re-underwrite of the sampled loans
- Reverifications: income, employment, and assets
- Defect trending mapped to the Fannie defect taxonomy
- Gross and net defect rate reporting
What You Receive
A monthly QC report: sampled files with findings, reverification results, gross and net defect rates, and trend analysis you can take to your investors and auditors.
Standard SLA
48 hours per sampled file.
Turn post-close QC into an early-warning system.
Send us a batch of files — free, no commitment. See the findings for yourself.