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Close faster and save.

The all-in-one
third party processor
for residential
mortgages

Everything you need to close faster

—expert tools, trusted vendors, and specialty pricing—

all bundled into one flat fee.

As seen on CBS, Fox, and NBC

Patron Member

Licensed Processor

Certified Processor

5 hours

income calculation

60 secs

flood zone
certificate

<4 days

appraisal
report

30 secs

HOI
verification

instant

title
policy

Some lenders we work well with

United Wholesale Mortgage
PennyMac
The Loan Store
Jet Mortgage
Michigan Mutual

Our In-Network Providers

To do the best work, we use the best tools. 

From wholesale to correspondent loans, our advanced technology and trusted network of providers eliminate the guesswork, slash errors, and accelerate approvals—giving you the tools to close deals faster and wow your clients at every step.

Mortage Electronic Registration Systems Logo
Plaid Logo
Middesk Logo
Canopy Connect Logo
Equifax Logo
ServiceLink Logo
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Proof Logo
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PropLogix Logo
House Canary Logo
SignNow Logo

INCLUDED

UDM

by Equifax®

IncomeXpert

by Blueprint

VOI/E

by Equifax®

VOD/A

by Plaid®

Expedite your loans
with an all-in-one

processor 

With loan processing designed to help you close faster, our clients save with our 21-day clear-to-close guarantee and $400 closing cost savings, freeing them to sell more loans while also earning them quicker commissions.

No minimums

No commitment

No broker affiliations

See what we're about

Included Features

Close Faster.

Take advantage of all these features.

FAQs

  • How competitive is your pricing?
    We save borrowers an average of $400 per loan.
  • Can I use your closing costs for my Loan Estimate?
    Stick to the fees you know! We normally come in after you've sent out your initial Loan Estimate (LE). So we'll review your existing fees and leverage our network to help reduce the overall closing costs of your loan.
  • Can I order verifications through you?
    We use our network to run verifications that fit your specific loan needs, taking care of everything without requiring individual requests.
  • Do these verifications help reduce repurchase demands?
    Yes, conducting these verifications helps reduce the risk of errors and, in turn, the likelihood of repurchase demands.
  • Whose name will be on the verifications?
    Kudos Financial will be listed on the verifications as the processor handling the loan.
  • How many employers do you verify?
    We’ll verify the income from one employer for each qualifying borrower, based on your loan conditions.
  • How many months do you go back on bank activity?
    We can go back anywhere from 3 to 24 months depending on your loan needs.
  • How many years back do you go on tax verifications?
    We can verify tax returns for up to the past three years, depending on your loan conditions.
  • Who refreshes the credit report(s)?
    Mortgage brokers and originators are responsible for refreshing credit reports using the same credit reporting tool they used to generate the initial credit report.
  • Are these closing costs subject to change?
    The fees listed may vary slightly from the final price invoiced by our service providers, but the differences should not result in any tolerance issues for your loans.
  • Can I purchase individual services from you?
    We are not resellers of these services. Instead, we carefully select our in-network providers to expedite the loan process for you and your borrower, exclusively for internal use as your third-party processor.
  • Who orders all these services?
    Simple, we do! We handle the ordering of all services, including verifications, appraisal, and title with an integrated approach that reduces the need for you to manage multiple service providers, streamlining the process and eliminating potential delays.
  • What if title has already been ordered on a purchase?
    No worries. We'll go with what you've got and make sure we cover everything else in the loan process.
  • What if my borrower chooses a different title company?
    The borrower has the legal right to shop around for their own title policy. However, as the title company would be outside of our provider network, we won't be able to control the speed at which they complete their work.
  • What if I wanted to use my own providers?
    Not a problem! We’ll work with any provider you prefer. Just keep in mind that our 21-day guarantee only applies when using our in-network providers.
  • Do you work with companies outside your provider network?
    Yes! While we've created our network of providers to get you to the closing table faster, we'll also work with any provider that you or your borrower may choose.
  • What costs can my borrowers expect to pay beyond those listed?
    Aside from any third-party fees associated with your loan, there are no additional fees from us—we’re truly a flat-fee service.
  • Can my wholesale lender have fees in addition to these?
    Possibly. Please check your pricing engine and lender-specific agreements for any fees associated with originating a loan in your name.
  • What if my wholesale lender's fees conflict with your fees?
    As a general rule of thumb, use the mandatory fees listed by your wholesale lender in your pricing engine, as they may have specific providers integral to their underwriting process. If our pricing is better, we'll update the Loan Estimate to reflect a better deal for your borrower.
  • Isn't the Flood Zone Determination included in your processing fee?
    Yes! The flood determination fee listed here reflects the potential cost a lender may charge if they choose to obtain a new flood certificate or transfer an existing one with a provider of their choice.
  • How do I take advantage of your 21-day guarantee?
    This guarantee requires you to use our network of service providers, which includes title, appraisal, verifications, and other related services. If the loan does not get the clear-to-close within this 21-day period, we'll deduct $100 from our processing fee payable at closing.
  • How long is a file good for?
    We work on a file until it's successfully closed and funded.
  • When do your third-party processing services end on a loan?
    We remain available to address any post-closing inquiries or requests for assistance from our clients.
  • Do borrowers sign a separate authorization with Kudos Financial?
    Yes. Since we use our own accounts to pull credit and access personal data, it’s important for the borrower to provide us with authorization.
  • Who registers the loan within the MERS® System?
    We can register the loan pre-closing so all the data is ready for completion post-closing.
  • Who handles the transfer of the MERS® registration post-closing?
    The client is responsible for transferring beneficial rights or servicing rights after closing.
  • Who updates the mortgagee on the hazard and title insurance policies post-closing?
    The client is responsible for managing all post-closing activities directly with their investor.

Save.

Save time. Get the clear-to-close in 21-days or $100 off our processing fee.

Save money. Lower your closing costs by an average $400 per loan.

Save manpower. With 85% of loan time spent in processing, do less paper chasing.

Clear-to-Close
with expedited loan processing

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