Loan QC

Post Close QC:
Using Infinity’s Sophisticated Audit software’s our auditors will determine whether the loan file meets all applicable guidelines including but not limited to set forth by: FNMA, FHLMC, FHA, VA, USDA , RHS, FHLB or any other private investor .
Typical Audit will include:

  • Random and targeted file selection using statistical, fixed, and discretionary protocols.
  • A file documentation review.
  • A compliance review.
  • An underwriting review.
  • A desk appraisal review.
  • Re-verification of file documents generated by third-parties.
  • A data integrity review.
  • Obtain a field appraisal review, as applicable.
  • Summarize findings into a Credit Risk Analysis.
  • A unique summary report for each audited loan file.
  • Summary and detailed management reports that provide a comprehensive overview of all audits with current and historical trend analysis.

Pre Fund QC:
Pre Funding QC are done to identify issues with a pending loan transaction, that need to be cured before closing. We at Infinity understand that the timing for such review is critical and hence we offer 24 – 48 hour turn time for the completion and return of audit results, Our Pre Funding QC Process includes:

  • Analysis of income and debt to ensure that the underwriters calculations of Debt and income are accurate.
  • A complete underwriting review of credit guidelines.
  • Analysis of any other investor specific over lays.