Articles
Government Lending: Where the Severity of a Defect Depends on the Quality of Your Review
FHA's defect taxonomy ties severity to what the lender knew and can show. What that means for the evidence a review has to preserve.
5 min readMortgage Compliance and Quality Control: A Reference to the Terms
A glossary of QC and compliance terms, each tied to the framework that defines it, because the same word means different things to FHA and Fannie Mae.
7 min readThe Regulatory Framework Behind Modern Mortgage Lending, and the Part That Is a Timing Problem
Delivery versus receipt, and three different definitions of a business day. The timing requirements that a careful reader cannot verify without a system.
5 min readFifty Sets of Rules Is the Easy Part. The Categories Themselves Are Contested.
Knowing the rule differs by state is the easy part. Recording which authority applied, from which date, and who approved that reading is the hard part.
6 min read