Mortgage Ancillary Services

Indexing and Stacking

We streamline your loan file assembly by collecting, organizing, and indexing all essential loan documentation including bank statements, pay stubs, W-2s, tax returns, pension statements, divorce decrees, child support orders, and HOA documents. Our team coordinates homeowner's insurance (HOI) policies and FEMA flood certificate orders, then expertly stacks and indexes all files into your loan origination system (LOS) for seamless mortgage processing workflow.

Third Part Document Verification

We conduct comprehensive third-party document verification and quality control review of appraisal reports, title commitments, homeowner's insurance (HOI) declarations, 4506-T tax transcripts, employment verifications, and asset verifications. We validate appraisal fees, verify property title clearance, and provide detailed compliance reports highlighting any discrepancies, contradictory information, or data inconsistencies to ensure regulatory compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines.

Data Capture in LOS

We review the 1003 (URLA) application and all supporting income documentation including W-2s, pay stubs, tax returns, Good Faith Estimate (GFE), Truth-in-Lending (TIL) disclosure, Form 1008 (Uniform Underwriting and Transmittal Summary), and borrower authorization forms, then accurately key all data into your loan origination system (Encompass, Calyx Point, BytePro, etc.) ensuring 100% data accuracy for seamless loan processing.

Key Service Features