We will verify the following:

• Is the employer active, and listed at the address provided.
• Can we verify the employer's phone number from an independent source.
• Verbally verify employment
• Does the seller own the subject property.
• A Statistical valuation on the property.
• SSN verification
• Single bureau credit report to detect any additional credit.
• Specialty databases (if required) and at additional cost.

• The GFE and preliminary TIL are reviewed for timing and accuracy.
• If the loan is an ARM, the ARM Disclosure is reviewed for timing and accuracy.
• Origination disclosures (ECOA, Transfer of Servicing) etc., are reviewed.
• The appraisal is reviewed for 20 critical elements.
• All asset information is reviewed, recalculated and verifications are performed as needed.
• All credit information from the original credit report is reviewed with the QC credit report. (If one is ordered), additional costs apply.
• A VOR is performed. (If applicable)
• If the loan was LP/DU underwritten, all information on the feedback certificate is correlated with the information in the file, including the final 1003, 1008, MCAW, 6393 etc.
• The file is reviewed to insure all conditions of the feedback certificate have been met.
• Closing instructions are reviewed against the actual closing information and any conditions are fulfilled.
• All closing documents are reviewed for accuracy, (Note, Security Instrument, HUD-1) to insure compliance with investor guidelines and consistency.
• All program specific documents are reviewed.
• Title commitment is reviewed as to ownership, coverage and unusual circumstances. (forced sale, non arms-length transaction, flips, etc)
• Flood Zone Determination is confirmed.
• Hazard and/or Flood Insurance is reviewed for sufficiency and coverage dates.
• Condo, PUD approval is confirmed (if applicable)
• All program specific requirements are reviewed. (i.e. Gift, LTV restrictions, investment requirements, reserves, etc)
• A 10% sampling of the final TIL is reviewed for accuracy and tolerable limits.
• Compliance items are reviewed, such as initial; escrow impounds disclosure, Rescission, etc.

• Single bureau credit report. (If credit qualified)
• Verbal verification of employment. (If required by program)
• Standard review of loan files.
• All loan exceptions noted.
• Custom reports on the results of data collected.

• Tri-merge Credit Report
• Single Bureau Credit Report
• Desk Review by Licensed Appraiser
• Field Review
• IRS Tax Return Re-verification
• AVM's
• Specialty Audits (EPD, Broker, Fraud)
• Compliance Reviews (Pre State Audits)
• SSN Verification
• OFAC Database Search