Credit Review
The Problem
Undisclosed debts, unseasoned derogatory events, and mis-stated liabilities drive DTI and eligibility defects — the kind that show up in a post-close audit.
The Mortna Approach
Tri-merge analysis with every liability reconciled to the application, undisclosed debt detected, and DTI recomputed. AI structures the credit picture in minutes; a human reviewer verifies and signs off.
What’s Included
- Tradeline reconciliation to the 1003 and AUS findings
- Undisclosed-debt detection (inquiries, new tradelines)
- Derogatory events: BK, foreclosure, short sale seasoning
- DTI recompute with all monthly obligations
- Guideline citations on eligibility calls
What You Receive
A credit findings report: every liability reconciled to the application, undisclosed tradelines flagged, DTI recomputed, each item cited to the guideline.
Standard SLA
4 hours.
Know every liability before you fund.
Send us a batch of files — free, no commitment. See the findings for yourself.
Book a Demo →