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Specialized Audit Services
QC Verify also provides specialized credit analysis within loan audit reviews to support organizations with non-QM lending products, Early Payment Default (EPD) activity, and repurchase defense or claim support.
Additional services include compliance reviews for denied (adverse action) applications, regulatory review of origination files, and federal compliance assessments for non-delegated lenders. These services help organizations strengthen loan quality oversight, reduce operational risk, and maintain adherence to investor and regulatory standards.
Due Diligence
QC Verify’s due diligence process focuses on validating the quality, accuracy, and completeness of mortgage loan files before shipment. This includes reviewing loan documentation, reconciling data across the file, and evaluating consistency between mortgage documents, underwriting decisions, and applicable loan program requirements.
Post-closing due diligence audits are an important control for mortgage lenders and banks participating in the secondary market. By validating loan integrity prior to sale, QC Verify helps organizations reduce repurchase risk, improve file quality, and strengthen confidence in loan delivery to investors.
Pre-Purchase Due Diligence
QC Verify offers a range of pre-purchase due diligence reviews designed to support secondary market loan transactions. These reviews help validate loan quality, data integrity, collateral accuracy, compliance requirements, and adherence to agency guidelines before investor acquisition.
Powered by A31, QC Verify provides flexible audit configurations that can be customized to each client’s review scope, investor requirements, and operational helps organizations reduce repurchase risk, improve file quality, and strengthen confidence in loan delivery to investors.
HELoans/HELOCs Audits
QC Verify provides comprehensive post-closing quality control audits designed to meet agency and regulatory requirements. These audits include a detailed review of loan documentation, data integrity, and material verification requirements in accordance with Fannie Mae, Freddie Mac, Federal Housing Administration, U.S. Department of Veterans Affairs, and United States Department of Agriculture quality control guidelines.
Federal Regulatory Reviews
This audit review is tailored to meet federal regulatory guidelines and policies. Under this review the auditor focuses on areas of federal regulation that may be of particular concern to the client, subject to client request and criteria.
Desk Reviews (Property Validation)
Traditional appraisal processes are increasingly being supplemented by automated and analytical valuation tools. QC Verify supports this evolving landscape by delivering desk review solutions that evaluate valuation methodology, comparable sales, adjustment accuracy, and final value conclusions through a structured review process.
Review Components
Appraisal review may incorporate multiple valuation products and data sources, including:
Automated Valuation Model (AVM) Analysis
Field Review Appraisals
Agency Desk Review Products
Supplemental Collateral Analysis
Agency Valuation Products
These tools provide layered data points that help strengthen collateral assessments. QC Verify helps clients interpret these sources efficiently without increasing internal operational burden.
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