Providing loan-level reviews for a variety of lenders and whole-loan/MSR buyers.

Due Diligence
With an experienced staff and state-of-the-art technology, Birdsey Group Residential provides a full range of due diligence services. We perform reviews for both bulk and flow loan buyers, as well as for wholesale, retail and correspondent origination channels.
Our reviews include:
- Whole loan (pre-funding, pre-purchase)
- MSR purchase (new origination and seasoned)
- Securitization (non-QM/ATR, non-conforming)
- Regulatory Compliance (TRID and pre-TRID)
- Data Validation (new loan onboarding)
- HMDA (data validation, LAR reporting)
- Warehouse Lending (operational review and loan level quality control review)
Scope of Review
- Reviews typically include data integrity check, credit review to validate underwriting decision, regulatory compliance reviews, property valuation, and if requested, reverification reviews.
- Seasoned Loans (including NPL/RPL) – reviews typically include tax/title, servicer comment, pay history, compliance reviews, value reconciliation
- Forensic reviews include review of the file for breach of representations and warranties

Quality Control
The Birdsey Groups’ team of mortgage professionals has extensive credit, risk and compliance experience. This deep mortgage expertise, coupled with our state-of-the-art technology, helps ensure compliance with investor guidelines and reduce repurchase risk.
We provide a full range of quality control reviews which include:
- Pre-Funding Quality Control
- Post-closing Quality Control
- Servicing File Reviews
- Conduit Reviews
- Correspondent Reviews
- Servicing Quality Control
Scope of Review
- QC reviews typically include data integrity checks, credit reviews, regulatory compliance reviews, property valuation, if requested, re-verification reviews.
- Our Agency reviews follow Fannie Mae, Freddie Mac, FHA and VA requirements and guidelines.
- Servicing file reviews for new loan set up include automated data compare/validation
- Servicing QC includes loan level testing for compliance to servicing guides/requirements (Agency/regulatory/CFPB) for all servicing functions
Birdsey Group Residential uses a web-based, state of the art technology to perform its quality control reviews. Advanced automation for data extraction (through OCR), indexing/bookmarking provide for accuracy, consistency and efficiency. Our client access portal allows clients the ability to view/clear conditions in real-time.

Advisory Services
With deep subject matter expertise, Birdsey Group Residential provides assessment for originators and servicers to ensure compliance with stated policies, regulations and industry standards / best practices.
Reviews include:
- Counter-party Operational Reviews
- Best Practices Management/Gap Analysis
- Risk Control/Cost Management

Due Diligence
With an experienced staff and state-of-the-art technology, Birdsey Group Residential provides a full range of due diligence services. We perform reviews for both bulk and flow loan buyers, as well as for wholesale, retail and correspondent origination channels.
Our reviews include:
- Whole loan (pre-funding, pre-purchase)
- MSR purchase (new origination and seasoned)
- Securitization (non-QM/ATR, non-conforming)
- Regulatory Compliance (TRID and pre-TRID)
- Data Validation (new loan onboarding)
- HMDA (data validation, LAR reporting)
- Warehouse Lending (operational review and loan level quality control review)
Scope of Review
- Reviews typically include data integrity check, credit review to validate underwriting decision, regulatory compliance reviews, property valuation, and if requested, reverification reviews.
- Seasoned Loans (including NPL/RPL) – reviews typically include tax/title, servicer comment, pay history, compliance reviews, value reconciliation
- Forensic reviews include review of the file for breach of representations and warranties

Quality Control
The Birdsey Groups’ team of mortgage professionals has extensive credit, risk and compliance experience. This deep mortgage expertise, coupled with our state-of-the-art technology, helps ensure compliance with investor guidelines and reduce repurchase risk.
We provide a full range of quality control reviews which include:
- Pre-Funding Quality Control
- Post-closing Quality Control
- Servicing File Reviews
- Conduit Reviews
- Correspondent Reviews
- Servicing Quality Control
Scope of Review
- QC reviews typically include data integrity checks, credit reviews, regulatory compliance reviews, property valuation, if requested, re-verification reviews.
- Our Agency reviews follow Fannie Mae, Freddie Mac, FHA and VA requirements and guidelines.
- Servicing file reviews for new loan set up include automated data compare/validation
- Servicing QC includes loan level testing for compliance to servicing guides/requirements (Agency/regulatory/CFPB) for all servicing functions
Birdsey Group Residential uses a web-based, state of the art technology to perform its quality control reviews. Advanced automation for data extraction (through OCR), indexing/bookmarking provide for accuracy, consistency and efficiency. Our client access portal allows clients the ability to view/clear conditions in real-time.

Advisory Services
With deep subject matter expertise, Birdsey Group Residential provides assessment for originators and servicers to ensure compliance with stated policies, regulations and industry standards / best practices.
Reviews include:
- Counter-party Operational Reviews
- Best Practices Management/Gap Analysis
- Risk Control/Cost Management

Superior Technology Platform
Birdsey Residential Group’s loan review services are delivered using a loan quality management platform that utilizes state of the art technology. This web based platform provides:
- Automated data extraction (through OCR) from multiple loan documents for data comparison and validation.
- Significant portion of audit testing is completed by automation.
- For regulatory compliance testing data from the LE and CD are extracted and automatically populated for consistency and accuracy.
- Client access portal provides ability to view progress of loan review as well as view/clear conditions in real-time.
Birdsey Residential Group’s loan review services are delivered using a loan quality management platform that utilizes state of the art technology. This web based platform provides:
- It is the only platform that performs 100% data comparison, on extracted data, as part of the mortgage loan review.
- All loan documents are classified and extracted and loan attributes from the source documents are compared with Loan Origination System (LOS) data via a proprietary dashboard, providing a level of granularity and information access unmatched in the industry.
- Audit rules automation eliminates the “stare and compare” manual checklist items and draws attention to potential issues.
- Prior to audit review, missing critical documents, based on the loan type or specific investor guideline/rule, are identified and a significant portion of audit tests are completed by automation.
- Real-time condition clearing provides for quicker turn times and robust reporting ensure defects are addressed.
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