Mortgage Post-Closing Services

Trailing Document Retrieval

We proactively follow up with settlement companies, title companies, and county recorders via phone and email to retrieve all trailing documents including recorded mortgage deeds, trust deeds, assignment documents, tax proration statements, payoff confirmations, lien releases, modification agreements, mechanic's lien waivers, UCC filings, and judgment releases. We ensure all post-closing documents are received before final title policy issuance and investor loan delivery.

Assembling the Post closing Loan Package

We collaborate with title companies, mortgage brokers, and settlement agents to assemble complete post-closing loan packages. We review closed loan files for accuracy, completeness, and investor compliance, verifying all required documents, endorsements, and certifications are present so loans can be insured, securitized, sold to investors (Fannie Mae, Freddie Mac, Ginnie Mae), and protected against fraud. We prepare shipping packages per specific investor requirements.

Post Closing Data Integrity Audit

We conduct rigorous post-closing quality control audits to identify and remediate any loan file deficiencies, documentation errors, or compliance violations. Our mortgage post-closing audit includes occupancy verification, underwriter condition clearance confirmation, final CD accuracy check, and regulatory compliance validation.

MERS Registration

We register all closed and funded mortgage loans with MERS (Mortgage Electronic Registration System) as part of our comprehensive post-closing workflow. MERS registration enables efficient tracking of beneficial ownership, servicing rights transfers, and lien positions throughout the loan's lifecycle.

Post Closing Quality Control Review

We ensure 100% compliance with Fannie Mae, Freddie Mac, FHA, VA, and USDA underwriting requirements through our comprehensive post-closing QC review process. We meticulously audit income and asset documentation, re-verify employment status, compare signatures and initials, validate dates, review automated underwriting system (AUS) approvals, perform appraisal quality checks, and generate detailed audit reports for investor delivery and quality assurance.

Tax, Insurance & Reserve Audits

We perform comprehensive audits of property tax escrows, hazard insurance (HOI) policies, flood insurance, mortgage insurance (PMI/MIP), and reserve account calculations to ensure proper escrow setup, adequate coverage limits, and compliance with investor reserve requirements.

Key Service Features