Conventional Loan Compliance & Documentation Tracker
Automate conventional loan compliance checklists and flag missing documents before underwriting
What You Can Do
You can generate customized compliance checklists tailored to specific loan scenarios, borrower profiles, and property types—accounting for Fannie Mae, Freddie Mac, and investor guidelines. Claude flags missing documentation in real-time, cross-references regulatory requirements with loan program specifics, and identifies condition resolution dependencies so you close on time without last-minute document requests or compliance gaps.
Features
creates loan-scenario-specific documentation requirements based on borrower profile, property type, and loan program
identifies gaps before underwriting review to prevent rework and timeline delays
aligns Fannie Mae, Freddie Mac, and investor guidelines with federal regulatory standards
monitors appraisal review windows, CTC deadlines, and condition resolution dependencies
adjusts compliance obligations based on standard vs. non-standard borrower scenarios (self-employed, investment property, multi-unit)
visualizes which document conditions must be resolved before others to streamline closing workflow
generates compliance documentation trails for investor audits and regulatory examinations
handles Conforming, Jumbo, and Bank Statement loan workflows simultaneously
Example Output
Example 1: Standard Conforming Loan Checklist
Loan Scenario: Primary residence, W-2 employed, 20% down
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✅ REQUIRED DOCUMENTATION:
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Last 2 years tax returns + W-2s
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Last 2 months pay stubs (current YTD)
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Last 2 months bank statements
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VOE/VOD verification
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Title commitment & survey
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Appraisal report (less than 120 days old)
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Homeowners insurance binder
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1003 fully completed & signed
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Closing Disclosure (3-day review)
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⚠️ MISSING: Gift letter documentation (down payment source unclear in file)
Example 2: Investment Property + Self-Employed Borrower
Loan Scenario: Investment property, rental income, self-employed
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✅ COMPLIANCE NOTES:
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Business tax returns required (2 years)
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Rental income documentation: lease agreements + last 12 months statements
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Self-employment profit/loss statements + business bank account statements
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Fannie Mae DU findings override standard requirements—flag CTC waiver condition
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Investor requirement: Full appraisal (no automated valuation model)
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⚠️ MISSING: Current year P&L statement (needed for income stability verification)
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⚠️ MISSING: Lease agreements for all investment properties (required for rental income calculation)
Example 3: Timeline Compliance Alert
Current Status (Day 25 of 45-day cycle)
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Appraisal ordered: Day 5 (expires Day 125—within window ✓)
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Underwriting decision: Day 18 (CTC issued)
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Missing docs submitted: Day 23
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Condition resolution in progress: Day 25
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⏰ CRITICAL: CTC deadline is Day 35. Current timeline risk = 4 business days. Recommend expedited title review & homeowners insurance binder submission by Day 28.
What's Included
- SKILL.md instruction file: System prompt for generating dynamic compliance checklists
- Loan Scenario Matrix template: Framework for borrower profiles, property types, and loan programs
- Compliance Checklist Builder: Fannie Mae, Freddie Mac, and investor requirement mapping
- Missing Documentation Tracker: Real-time flagging system with condition dependencies
- Timeline Compliance Monitoring guide: CTC deadlines, appraisal windows, and closing milestones
Who It's For
- Mortgage processors — systematically track documentation requirements across loan portfolio
- Loan closers/closing coordinators — prevent last-minute document requests and rework
- Loan officers/originators — provide borrowers with clear, upfront compliance documentation lists
- Underwriting managers — monitor compliance gaps before loans reach review desk
- Compliance officers — prepare audit-ready documentation trails for investor examinations
Best For
- Generating customized compliance checklists for conventional loan scenarios
- Identifying missing documentation before underwriting review
- Cross-referencing investor requirements with federal regulatory standards
- Tracking timeline compliance and CTC deadline management
- Managing complex borrower profiles (self-employed, investment properties, multi-unit)
- Preparing loan files for investor audits and quality assurance reviews
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