Pre-Funding Quality Control Reviews

Catch loan defects before they impact your institution.

Pre-funding quality control (QC) reviews provide a critical layer of protection before a loan closes. Required by Fannie Mae, Freddie Mac, HUD, and many private investors, these reviews help mortgage lenders detect material defects, verify compliance, ensure loans meet investor guidelines and internal policies, and confirm underwriting quality before loans are funded.

We take a hands-on approach to reviewing loan files, focusing on data accuracy, underwriting soundness, and compliance with investor and regulatory expectations. Our independent pre-funding QC reviews give your team timely insight into loan quality, so you can address issues before they become costly post-closing findings, repurchase demands, or compliance concerns.

Speak with a quality control consultant

Confidence start with strong pre-funding QC

Complete reviews

We take a thorough, systematic approach to reviewing all critical loan components.

Documentation accuracy

We ensure all required documents are complete, accurate, and properly executed.

Risk reduction

Early identification of errors helps minimize repurchase risk and compliance exposure.

Clear next steps

Our reviews provide the insight your team needs to move loans forward with confidence.

Our pre-funding quality control process

Our pre-funding QC reviews provide a detailed, independent assessment of each loan file. With fast turnaround times and clear reporting, your team can act quickly to resolve issues and keep loans on track.

	Data validation – We verify borrower and loan data against source documentation for accuracy.
	Document review – We confirm required documents are present, complete, and properly executed.
	Income & employment verification – We assess income calculations and employment documentation to support underwriting decisions.
	Asset verification – We review assets to confirm funds to close and required reserves.
	Underwriting data review – We review data used in automated underwriting systems for accuracy and consistency.
	Appraisal & collateral review – We assess appraisal details and collateral-related information to ensure alignment with loan requirements.
	Compliance verification – We confirm required disclosures and adherence to regulatory and investor guidelines.
	Red flag review – We identify inconsistencies, occupancy concerns, and eligibility risks.

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A Smarter Approach to Pre-Closing QC with Y&A

Hands-on support

We work as an extension of your team to identify and resolve issues early.
Clear reporting

Our easy-to-read reports highlight key risks and next steps without unnecessary complexity.
Scalable process

We support your volume with consistent, repeatable QC reviews.
Operational efficiency

Streamlined reviews reduce rework and help keep your pipeline moving.

Pre-Closing Quality Control Illustration

Schedule Your Pre-Funding QC Review

Don’t wait until post-closing to uncover issues. With timely, independent pre-closing QC reviews, you can identify and resolve defects early while keeping loans on schedule.

Connect with our team today to get started.