Conventional Mortgage Gap Audit
This page is the quality-control map for the entire Conventional Mortgage Navigator.
What has been audited
Credit & AUS
No blanket 620 minimum for DU casefiles or LPA Accept mortgages.
Income & employment
Variable income, future employment, RSUs, temporary leave and military income.
Self-employment
Tax returns, business liquidity, Schedule C/K-1 and decline analysis.
Rental income
Subject property, Schedule E, departing residence, ADUs and new investors.
Debts & DTI
Student loans, debts paid by others, leases, HELOCs and business debt.
Assets & reserves
Bank, retirement, business, crypto, gifts and multiple-property reserves.
Gifts, DPA & seller contributions
Donors, gift of equity, seller concessions and subordinate financing.
Property & appraisal
Eligibility, Value Acceptance, age, repairs, ADUs, mixed-use, solar and leasehold.
Condos
Review type, reserves, repairs, insurance, litigation and assessments.
Occupancy & property count
Primary, second home, investment, departing residence and non-occupant borrowers.
Refinance
Limited/no-cash-out, cash-out, seasoning, delayed financing and title changes.
Unusual transactions
Family sales, land contracts, trusts, LLCs, inheritance and agency-switch strategy.