AnalysisMortgage & FinanceOct 8, 20264 min read
UWM Credit Score Overlay Removal: The Limits
UWM credit score overlay removal covers specified agency loans. Agency rules and loan conditions still apply, while scores remain relevant to pricing.
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AnalysisHousing TechnologyOct 7, 20264 min read
PollyOS Loan Margin Tracking: What to Verify
Evaluate PollyOS loan margin tracking by reconciling lock economics with sale proceeds, tracing overrides and checking rollout and performance claims.
AnalysisHousing TechnologyOct 2, 20264 min read
UAD 3.6 Policy Exception: Who Must Apply?
The UAD 3.6 policy exception requires approval from each applicable GSE. Track the mandate, 2027 submission deadlines and vendor readiness.
GuideHousing TechnologySep 30, 20264 min read
eNote Correction: When a New Note Is Needed
Fannie Mae’s eNote correction rules determine when a new note is needed, who must sign and how acquisition changes the required process.
GuideHousing TechnologySep 26, 20265 min read
Mortgage Asset Report Expiration: Which Date?
Mortgage asset report expiration depends on data dates and DU validation conditions. A delayed closing may require fresh employment evidence.
ChecklistHousing TechnologySep 19, 20265 min read
eClosing Paper Copies: Consent and Access
Before consenting to an eClosing, check paper copies, fees, withdrawal rules and portal access so you can save and retrieve your mortgage documents.
AnalysisHousing TechnologySep 14, 20263 min read
Vesta Mezzo Verification Routing: What to Test
Vesta Mezzo verification routing adds a shared provider gateway. Test lender rules, fallback orders and cost evidence before rollout.
AnalysisHousing TechnologySep 11, 20264 min read
Ocrolus AIM Check: What Early Assessment Means for Income Relief
Ocrolus AIM Check provides an early income assessment. Relief eligibility depends on the later LPA submission, feedback and applicable requirements.
AnalysisMortgage & FinanceSep 11, 20264 min read
VantageScore Rules for Joint Borrowers: One Model per Loan
VantageScore model rules require joint borrowers to use one model per loan. See the September 9 changes and limits as of September 11, 2026.
GuideHousing TechnologySep 4, 20264 min read
Mortgage Bank Link: How to Revoke Access
Revoke access to a mortgage bank link, confirm remaining verification needs, and separate disconnection from data deletion or application withdrawal.
AnalysisMortgage & FinanceSep 2, 20263 min read
Figure–Kiavi Acquisition: What Changes in Lending Access?
The Figure–Kiavi acquisition has closed. See what changed hands, what lending access is planned, and what brokers should confirm for existing files.
AnalysisHousing TechnologySep 1, 20264 min read
Candor DI Document Reconciliation: Preserve the Evidence
Candor DI document reconciliation promises cleaner loan files. Lenders should verify audit trails, governance duties and time-saving claims.
Data ReportHousing TechnologyAug 30, 20264 min read
Q2 2026 Mortgage Fraud Risk: Read the Mix
The Q2 2026 mortgage fraud risk mix shifted toward purchases. What Cotality’s index measures and what lenders should check before tightening controls.
ComparisonHousing TechnologyAug 24, 20264 min read
UAD 3.6: Update vs. Completion Report
Compare the UAD 3.6 update vs. completion report: what each establishes, when a loan may need both, and how the original appraisal format controls.
AnalysisHousing TechnologyAug 21, 20264 min read
Checkr–Truv Acquisition: Mortgage Verification Continuity
The Checkr–Truv acquisition raises mortgage verification questions about coverage, integration continuity, borrower permissions and underwriting use.
GlossaryHousing TechnologyAug 17, 20264 min read
eNote vs. Scanned Mortgage Note: The Difference
Compare an eNote vs. a scanned mortgage note: what makes an electronic original, why a closing may still need paper and which copies to keep.
Data ReportHousing TechnologyAug 12, 20264 min read
July 2026 Mortgage Pull-Through: What Lenders Can Infer
July 2026 mortgage pull-through weakened for purchases and refinances. Cohort definitions determine what those rates mean for funding forecasts.
GlossaryHousing TechnologyAug 9, 20264 min read
AUS Approval vs. Clear to Close: What Remains?
Compare AUS approval vs. clear to close, including DU and LPA findings, lender verification duties, and changes that can trigger another review.
AnalysisHousing TechnologyAug 7, 20264 min read
Blend Autopilot Lender Adoption: What Six Deals Establish
Blend Autopilot lender adoption reached six signed deals, but August 6 disclosures leave gaps in production scope, net staff savings and lender costs.
GuideHousing TechnologyAug 5, 20266 min read
Mortgage Income Verification Errors: How to Resolve Them
Resolve mortgage income verification errors, document missing pay or employer mismatches, and understand why corrected data does not guarantee approval.