A Few Words
About Us
Welcom to XPERTIX
About Us
We provide end-to-end mortgage processing that assist loan originators and lenders in streamlining their business processes, thereby reducing processing costs and turnaround time. Xpertix Business Solutions offers mortgage business process management services that fulfill the intensive requirements of mortgage lenders and brokers. Our processors are recruited and trained extensively to support a variety of loan processing services and has vast experience working with loans of every stripe and is thoroughly familiar with the intricacies involved in each type of loan.
Our mission is to supply an exceptional 3rd party processing service that’s quality compliance and customer service oriented. We maintain the private touch of alittle business where each broker, loan officer, and borrower is equally important.
Loan Processing Steps.
- Prepare and issue initial broker and lender specific disclosures in compliance with CFPB, RESPA, BRE and/or HUD/VA regulations
- Receive, review & calculate all documentation for submission to Lender
- Run DU/LP on active files ready for submission (LO responsible for prequals)
- Complete full, organized submission to Lender
- Order appraisal (unless LO prefers to)
- Review approval for accuracy and formally request conditions from borrower
- Work all other approval conditions (escrow/title/agents/3rd parties, etc.)
- Followup with borrowers for the conditions required as per Uw approval, and submit all conditions for signoff
- Order docs and advise LO/borrower of any estimated funds needed to close and what bank account should be used
- Request, receive, review, and submit all prior to funding conditions & see loan through funding
- Post close QC review to ensure compliance with the CFPB, BRE, HUD or VA requirements
- Send closed file to broker via email, or scanned to disk (Broker’s choice)
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