FHA/VA Compliance Verification & Documentation Validator
Verify FHA/VA loan applications against federal guidelines and documentation standards
What You Can Do
You can audit FHA/VA loan files against current federal guidelines, verify borrower eligibility across credit, income, and citizenship requirements, confirm property and appraisal compliance, and identify documentation gaps before submission. Claude systematizes the verification process across three critical domains—borrower eligibility, property/appraisal requirements, and documentation completeness—reducing rework cycles and accelerating closing timelines.
Features
Validates credit standards, income documentation, debt-to-income ratios, and citizenship requirements against FHA/VA thresholds
Confirms FHA-approved vs. non-approved properties, VA property standards, and validates appraisal minimum valuations
Verifies presence and validity of VOE forms, VOD documents, tax returns, LPA forms, and Certificate of Eligibility (COE)
Handles self-employed, commission, and bonus income structures with federal calculation requirements
Identifies scenarios requiring credit exceptions or compensating factors and flags for underwriter review
Maps findings directly to current FHA/VA regulatory requirements for clear borrower and loan officer communication
Generates compliance checklists and audit-ready documentation summaries for file reviews
Example Output
Example 1: Initial Application Screening
Input: FHA application with 580 credit score, 52% DTI, recent employment change
Claude Output:
- ✅ Credit Score: PASS (580 meets FHA minimum)
- ⚠️ DTI: FLAG (52% exceeds 50% standard; requires compensating factors documentation)
- ⚠️ Employment: REVIEW (Recent change requires 2-year work history verification; obtain LOE from employer)
- 🔴 Missing Documents: VOE for current employer, paystubs (60 days)
- Recommendation: Request compensating factors statement and current employment documentation before submission
Example 2: Property & Appraisal Verification
Input: VA loan with appraisal $15,000 below asking price
Claude Output:
- Property Status: VA-approved (no repair requirements)
- Appraisal Minimum: $295,000 (meets VA floor)
- Issue: Appraised value $15K below contract; triggers renegotiation or borrower coverage requirement
- Recommendation: Present VA Appraisal Addendum to borrower; confirm willingness to cover difference or renegotiate
Example 3: Documentation Gap Report
Input: File ready for underwriting with 8 documents submitted
Claude Output:
- VOE: ✅ Present & valid
- VOD: ✅ Present & valid
- Tax Returns (2 years): 🔴 MISSING (Required for all borrowers)
- LPA Form: ✅ Present
- COE: ✅ Validated
- Action Required: Request 2 years of tax returns before underwriting submission
What's Included
- SKILL.md: Complete instruction file with FHA/VA verification frameworks and federal requirement mappings
- Borrower Eligibility Checklist: Credit, income, DTI, citizenship, and employment verification template
- Documentation Completeness Matrix: Required documents by loan type (FHA vs. VA) with validation checkpoints
- Property & Appraisal Verification Worksheet: Property status, repair requirements, appraisal minimum calculations
- Compliance Gap Report Template: Summary format for communicating federal requirement gaps to borrowers and loan officers
Who It's For
- Mortgage Processors — Validate new applications for compliance before handoff to underwriting
- Loan Closers — Verify final file completeness and federal requirement satisfaction before closing
- Loan Officers — Screen applications early to identify gaps and set borrower expectations
- Underwriters — Systematize initial compliance review and flag exceptions requiring judgment calls
- Quality Control Auditors — Audit FHA/VA files for federal standard adherence and document completeness
Best For
- New FHA/VA application intake and initial compliance screening
- Documentation gap identification and borrower request prioritization
- Underwriter exception flagging and compensating factor assessment
- Appraisal discrepancy impact analysis against VA/FHA minimums
- Quality control audits and compliance file reviews
- Borrower and loan officer communication on federal requirement gaps
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