Asset & Reserves Review
The Problem
Asset and reserve defects are quiet. An unsourced large deposit or a miscounted reserve requirement passes at closing and surfaces in a post-close audit — as a repurchase demand.
The Mortna Approach
Bank statements, VODs, gift letters, and retirement assets reviewed to Fannie B3-4 and Freddie Chapter 37 — large deposits sourced, funds-to-close confirmed, and reserves calculated by occupancy and property count. Includes bank-statement income analysis for Non-QM.
What’s Included
- Bank statement review with large-deposit sourcing
- Gift funds: donor eligibility, letter, and transfer trail
- Retirement / vested assets: eligibility and vesting haircuts
- Reserves calculated by occupancy and property count
- Non-QM bank-statement income analysis
What You Receive
An asset findings report: funds-to-close and reserves confirmed, every large deposit sourced or flagged, each item cited to the guideline.
Standard SLA
4 hours.
Confirm assets before they become a finding.
Send us a batch of files — free, no commitment. See the findings for yourself.