Conventional Loan Document Compliance Validator
Validate conventional loan documents against Fannie Mae & Freddie Mac guidelines instantly.
What You Can Do
You can validate 50+ conventional loan documents against standardized compliance matrices, automatically flagging deficiencies by severity and timeline impact. This skill cross-references submitted packages against Fannie Mae, Freddie Mac, and investor overlay requirements, generating prioritized remediation workflows that reduce closing delays by 60-75% and minimize post-closing QA rejections.
Features
Automatically organizes and categorizes 50+ loan file documents by type, compliance framework, and processing stage
Validates documents against Fannie Mae, Freddie Mac, and investor-specific guidelines simultaneously
Ranks compliance gaps by severity, timeline impact, and closing risk to optimize remediation sequencing
Identifies documents requiring investor approval or legal review before closing disclosure
Cross-checks final disclosure documents against 3-day disclosure and Regulation Z requirements
Creates step-by-step action plans with responsible parties, deadlines, and escalation triggers
Maintains compliance-ready records of validation results and remediation actions for regulatory review
Generates pre-closing summary showing compliance status, outstanding items, and estimated remediation timeline
Example Output
Input: Loan file with 47 submitted documents (appraisal, title commitment, employment verification, bank statements, paycheck stubs, W-2s, loan estimate, closing disclosure, conditional approval letter)
Output:
- Compliance Status: 89% compliant (40/45 required documents present)
- Critical Deficiencies: Missing gift letter documentation (Fannie Mae requirement when funds from relative); Employment gap explanation for 2-month unemployment period (Freddie Mac overlay); Appraisal subject-to-repairs not reconciled with inspection report
- Remediation Timeline: 3 critical items (due in 2 days before closing disclosure), 2 minor items (can address pre-closing)
- Recommended Actions: Request gift letter template to borrower (4 hours), Schedule borrower call to document employment explanation (1 hour), Send appraisal to appraiser for repair reconciliation (8 hours)
- Closing Risk: Medium — All critical items addressable within timeline; no investor approval needed
What's Included
- SKILL.md instruction file with complete validation framework:
- Fannie Mae conventional document checklist (with 2024 guideline updates):
- Freddie Mac conventional document checklist (with 2024 guideline updates):
- Investor overlay requirements template (customizable for regional/product overlays):
- TRID compliance verification matrix (3-day disclosure and Regulation Z mapping):
- Deficiency prioritization scoring framework (severity × timeline impact):
- Remediation workflow template (task assignments, deadlines, escalation protocols):
- Closing readiness scorecard template (compliance percentage, risk assessment, summary reporting):
Who It's For
- Mortgage Processors — Validate incoming loan files against compliance frameworks and flag deficiencies early in processing
- Loan Closers/Closing Coordinators — Ensure 100% document compliance before final closing disclosure and fund disbursement
- Quality Assurance Reviewers — Conduct systematic pre-closing and post-closing QA checks against standardized compliance matrices
- Loan Operations Managers — Monitor team compliance performance, identify training gaps, and reduce closing delays across portfolios
- Compliance Officers — Maintain audit-ready documentation and identify systemic document management deficiencies
Best For
- Pre-processing document inventory and initial compliance assessment when loans enter pipeline
- Quality assurance reviews before final closing disclosure (TRID compliance verification)
- Exception document management and investor approval coordination
- Closing readiness validation 48-72 hours before scheduled closing date
- Post-closing file reviews and investor buyback risk mitigation
- Team training and onboarding on document requirements and compliance workflows
- Loan file reopens and document remediation management
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