Conventional Loan Document Compliance Reviewer
Review conventional loan documents for compliance gaps and guideline violations
What You Can Do
You can conduct rapid, systematic compliance reviews of conventional loan files that catch document defects, missing signatures, inconsistent data, and guideline violations before closing. The skill combines automated pattern recognition with structured checklists to prioritize high-risk defect categories and cross-validate data across documents, helping you prevent delays and securitization issues.
Features
Scans documents for missing signatures, inconsistent borrower/property data, and required disclosure gaps across the entire file
Cross-references Fannie Mae, Freddie Mac, and portfolio lender requirements to flag guideline violations
Verifies TRID, RESPA, ECOA, and state-specific requirements are met in closing disclosures and notices
Ranks findings by risk level (critical vs. minor) to focus remediation efforts on closing blockers first
Compares property address, loan amount, borrower names, and terms across all documents for discrepancies
Maps underwriting conditions to required document evidence and completion status
Generates compliance status summary showing which documents are file-ready vs. requiring corrections
Example Output
Example 1 — Critical Defects Found
- ⚠️ CRITICAL: Form 1003 (Loan Application) missing borrower signature on page 2
- ⚠️ CRITICAL: Closing Disclosure (TRID) dated 2 days before required 3-day waiting period
- ⚠️ HIGH: Property address on Appraisal (123 Oak St) does not match title commitment (123 Oak Street)
- ✓ CLEARED: All required disclosures (ECOA Notice, Privacy Policy, Adverse Action) present and initialed
Example 2 — Compliance Summary
- Files reviewed: 12
- Critical defects blocking closing: 3 (missing signatures, TRID timing)
- Guideline violations: 2 (Fannie Mae debt-to-income documentation)
- Minor discrepancies: 8 (formatting, document order)
- Ready to close: 7 files (58%)
Example 3 — Guideline Violation Detail Fannie Mae B3-3.1-01: Compensating factor documentation missing. Borrower credit score 680 with 45% DTI requires written explanation of compensating factors. Current file shows only standard credit report with no lender memo.
What's Included
- SKILL.md instruction file with core workflow and systematic review sequence:
- Conventional loan document checklist (signatures, disclosures, consistency validation):
- Investor guideline cross-reference matrix (Fannie Mae, Freddie Mac, portfolio requirements):
- Regulatory compliance checklist (TRID, RESPA, ECOA, state requirements):
- Defect prioritization framework (critical, high, medium, low risk categories):
- Closing readiness template for batch file status reporting:
Who It's For
- Mortgage processors and closers conducting final document review 3-5 days before closing
- Loan operations managers performing quality control on loan officer or junior processor files
- Closing coordinators managing 10+ file closing batches requiring systematic compliance validation
- Compliance officers responding to investor or title company document findings requiring remediation
- Mortgage operations directors preparing files for investor delivery and securitization
Best For
- Final document compliance reviews before closing
- Batch file quality control for multiple loan files
- Remediation of investor or regulatory findings
- Post-underwriting conditional approval document verification
- Closing readiness assessment and defect prioritization
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