We save borrowers an average of $400 per loan.

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.

We use our network to run verifications that fit your specific loan needs, taking care of everything without requiring individual requests.

Yes, conducting these verifications helps reduce the risk of errors and, in turn, the likelihood of repurchase demands.

Kudos Financial will be listed on the verifications as the processor handling the loan.

We’ll verify the income from one employer for each qualifying borrower, based on your loan conditions.

We can go back anywhere from 3 to 24 months depending on your loan needs.

We can verify tax returns for up to the past three years, depending on your loan conditions.

Mortgage brokers and originators are responsible for refreshing credit reports using the same credit reporting tool they used to generate the initial credit report.

No problem at all! We’ll cover the difference. We’re dedicated to making the process seamless and being your go-to for multiple services—that’s why we stand behind our commitment 100%.

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.

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.

No worries. We'll go with what you've got and make sure we cover everything else in the loan process.

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.

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.

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.

Aside from any third-party fees associated with your loan, there are no additional fees from us—we’re truly a flat-fee service.

Possibly. Please check your pricing engine and lender-specific agreements for any fees associated with originating a loan in your name.

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.

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.

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.

We work on a file until it's successfully closed and funded.

We remain available to address any post-closing inquiries or requests for assistance from our clients.

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.

We can register the loan pre-closing so all the data is ready for completion post-closing.

The client is responsible for transferring beneficial rights or servicing rights after closing.

The client is responsible for managing all post-closing activities directly with their investor.