Post-close, QC & servicing

The part everyone forgets, handled.

Loans do not end at funding. NexusMortgageOS runs QC sampling plans, chases trailing documents, cures investor exceptions before they age, defends repurchase demands with the original evidence chain, and hands the file to servicing cleanly.

234 files in post-close · 2 blocking exceptions

Illustrative data. Post-close defect and repurchase metrics shown here are sample figures. These figures are sample data for demonstration — connect the vendor in Integrations → Credential vault to populate this from your live account.

Critical defect rate

0.9%

industry avg 1.8%

Trailing docs outstanding

131

−44% QoQ

Investor exceptions open

2 blocking, auto-assigned

Repurchase exposure

$388,000

10 of 10 demands defended

Quality control sampling

Random, discretionary and targeted plans

Post-close random 10%

3.4% defect rate

118 sampled · 4 defects · 1 critical

Discretionary — first-time TPO

14.3% defect rate

42 sampled · 6 defects · 2 critical

Pre-close targeted (high LTV)

3.1% defect rate

65 sampled · 2 defects · 0 critical

Early payment default review

33.3% defect rate

9 sampled · 3 defects · 2 critical

Repurchase defense

Demands, outcomes and exposure by quarter

Q3 2025

3 demands · 3 rescinded

Q4 2025

2 demands · 2 rescinded

Q1 2026

4 demands · 3 rescinded

$388,000

Q2 2026

1 demand · 1 rescinded

Evidence packets assemble themselves

Because every decision was hash-chained at the time it was made, a repurchase response is an export of the original underwriting evidence — not a reconstruction six quarters later.

Investor delivery exceptions

Cured before they age into a penalty

Exception	Investor	Loan	Issue	Owner	Age
EX-2201	Fannie Mae	NX-104772	ULDD: missing property valuation methodBlocking	Delivery agent	3h
EX-2204	Ginnie Mae	NX-104810	Pool certification date precedes note dateBlocking	Post-close	11h
EX-2209	Chase Correspondent	NX-104655	Purchase advice short $412 vs. commitmentRecon	Secondary	1d
EX-2213	Freddie Mac	NX-104901	Trailing final title policy outstandingWatch	Trailing docs agent	2d

Audit-ready QC files

Every sampled loan carries its rebuttal thread, defect classification and remediation in one exportable packet aligned to agency QC standards.

Servicing transfer

Goodbye/hello letters, escrow balances, payment histories and the e-note authoritative copy transfer as one validated package.

Retention & disposal

Records age out on the retention schedule you set, with legal-hold overrides and a tamper-evident disposal log.

QC results, exceptions and repurchase figures are illustrative demo data for this workspace.