877 899 3760
  • Rules based engine makes sure each loan is assessed based on the current regulations at time of closing.
  • Intuitive, easy to use interface, reduces training costs and enables users to move through system quickly
  • Customizable throughout, built to match your business, not the other way around
  • Web based, new regulations and updates are automatically in place, no hard ware or maintenance costs.
  • Designed with reporting in mind, get you any report you need either as a report or as a downloadable spreadsheet.
  • Robust random selection engine, pull only the loans you need however they need to be selected.
  • Built to be flexible enough to grow with our clients and our industry, we are continually improving performance and functionality.
  • User audit trail to access user productivity and performance in the system.
  • Streamlined upload process, automatically loads document images and pulls data needed directly from the actual documents dramatically reducing data entry and correction time.
  • Expanded management productivity tools (first quarter 2013) empower you to get the most out of your employees.
  • View individual loan documents from within application, no resource intensive 500 page loan file need be loaded.
  • Client dashboard, (first quarter 2013) manage month’s in

QCIQ Pre-Funding Mortgage Audit Software

Performing quality control assessments on Pre-Fund loans is about two things, speed and accuracy. UHS America’s Pre-Fund Quality Control software was built to provide these two features at a competitive price. Taking the engine from QCIQ, our industry leading Post Close Quality Control software solution, our Pre-Fund solution has been optimized to allow analysts to quickly move through the steps to assess the quality of the loan. Breaking each loan into a small set of assessment areas allows the analyst to focus on each individual area with precision. Also provided for the analysts are tools to perform all verifications necessary on the loan. Our Pre-Fund solution also uses our proprietary exceptions engine that allows you to store initial and final ratings on a loan while retaining a history of the exception through the lifecycle of the loan’s audit.   Our Pre-Fund application provides all the tools your analysts need to quickly assess the quality of your Pre-Fund loans, but our prefund solution has been built from the ground up to offer our clients a well-priced, secure cloud based solution.

We chose to base QCIQ as a cloud based solution for two reasons. First of all, our clients do not have to provide hardware or purchase onerous and expensive software licenses that have to be renewed annually, saving our clients potentially thousands of dollars. With QCIQ, you pay on a per loan basis, with discounts for volume. You only pay for the loans you audit. The second reason for choosing a cloud based solution is that it enables us to immediately load any regulatory or software changes to all customers at once. Clients no longer need to wait for updates to be loaded; the changes are made immediately and are instantly available to all users. We saw these benefits to a cloud based solution provide our customers an innovative solution to their Quality Control needs.

The first question about any cloud based solution is how secure is the client’s data in the cloud. This was our first question also, and for an answer we turned to one of the largest companies in the world. QCIQ is hosted on Microsoft’s Azure cloud environment, which has been issued an SSAE 16 Type 2 report on its controls as a service organization. Azure provides our clients not only world class security but also work class scalability. The QCIQ website performance will be excellent regardless of the thousands of loans that will go through the system each month. Moreover, Azure guarantees that the server side hardware and software will be top of the line and up to date. We are delighted by the security and performance offered by Azure and we are confident that our customers will be delighted also. But security does not stop at the web host. We have placed controls throughout the development and support process that ensures client data is always secure. From our company wide security policy to the 256-bit Secure Sockets Layer encryption on the website, security is at the core of QCIQ.

After the loans in an audit have all been rated, the last step in the QC process is reporting and QCIQ was built with reporting in mind. Clients no longer need to wait weeks for custom reports to be created by their vendor. The QCIQ reports engine has been optimized to quickly generate customer reports often allowing us to deliver custom reports within 24 hours. When you purchase loans within QCIQ to audit, you instantly have access to our large library preloaded reports. These reports have been refined over the years and fulfill all basic needs of your QC reporting needs. We are especially proud of our robust trending reports that give a snapshot of the performance of your underwriters to your closing agents over a twelve month period. QCIQ provides your company the reports it needs for your executives to your QC manager down to the branch manager to empower your company to increase productivity and the bottom line.

Today, QCIQ is the leading Mortgage Quality Control software on the market. It is secure, cloud based and provides you all the tools you need to turn your QC department into a driver of positive growth in your company. But this is just the beginning!   We have plans to change the Mortgage Quality Control market as it currently stands. Join us while we provide more tools and more innovative to our customers!

QCIQ Post-Closing Mortgage Audit Software

With over seventy years of combined Mortgage Quality Control experience, UHS America understands assessing the quality of a loan is complicated and depends on the relationship between several different factors within the loan.  To automate this process and simply have a computer generate a rating for a loan is shortsighted and ineffective.  An automated process will miss the relationships between loan characteristics that determine if it is truly a saleable loan or a loan with Material issues.  We have taken this understanding and expertise and used it to build QCIQ, our industry leading Post Close Mortgage Quality Control web based application.  We put the power of assessing loan quality into the hands of analysts while giving them innovative tools and robust reports at a price that fits your budget.

We chose to base QCIQ as a cloud based solution for two reasons.  First of all, our clients do not have to provide hardware or purchase onerous and expensive software licenses that have to be renewed annually, saving our clients potentially thousands of dollars.  With QCIQ, you pay on a per loan basis, with discounts for volume.  You only pay for the loans you audit.  The second reason for choosing a cloud based solution is that it enables us to immediately load any regulatory or software changes to all customers at once.  Clients no longer need to wait for updates to be loaded; the changes are made immediately and are instantly available to all users.  We saw these benefits to a cloud based solution provide our customers an innovative solution to their Quality Control needs.

The first question about any cloud based solution is how secure is the client’s data in the cloud.  This was our first question also, and for an answer we turned to one of the largest companies in the world.  QCIQ is hosted on Microsoft’s Azure cloud environment, which has been issued an SSAE 16 Type 2 report on its controls as a service organization.  Azure provides our clients not only world class security but also work class scalability.  The QCIQ website performance will be excellent regardless of the thousands of loans that will go through the system each month.  Moreover, Azure guarantees that the server side hardware and software will be top of the line and up to date.  We are delighted by the security and performance offered by Azure and we are confident that our customers will be delighted also.  But security does not stop at the web host.  We have placed controls throughout the development and support process that ensures client data is always secure.  From our company wide security policy to the 256-bit Secure Sockets Layer encryption on the website, security is at the core of QCIQ.

The basic function of assessing the quality of a loan provides QCIQ another opportunity for QCIQ to shine.  The life cycle of a loan in QCIQ begins with uploading loans into our system and performing a random selection.  We built an upload function that consumes practically any type of data you can give us from your loan files.  Normally, we receive loan files as Excel spreadsheets, but we have also imported comma delimited and DU files for import.  If you get us the data, we can get it into QCIQ.  Once the loans are uploaded, we can begin the random selection process. With years of experience in selecting loans for clients, our stratified random selection engine allows clients to practically select any parameters they desire for their random selection.  From ten percent of all Conventional loans to ten percent of the loans from each Originator, we can fulfill whatever selection needs have been identified in your company’s QC plan.

Once the audit has been selected, our loan auditing tool provides a deceivingly simple user interface that allows analysts to fulfill all regulatory assessments of a loan’s quality.  Specifically, QCIQ provides robust tools for assessing Assets, Income and managing the verification process through the life of the loan’s audit.  Analysts can quickly rate a loan and document any exceptions in our new exception engine that fulfills Fannie Mae’s demand for both initial and final ratings on any exception.  Our exception engine also enables our client’s to store an exception’s history leaving an audit trail for each individual exception.  Auditing a single loan is the heart of QCIQ and we our customizable tools empower clients to optimize productivity will fulfilling all regulatory demands.

After the loans in an audit have all been rated, the last step in the QC process is reporting and QCIQ was built with reporting in mind.  Clients no longer need to wait weeks for custom reports to be created by their vendor.  The QCIQ reports engine has been optimized to quickly generate customer reports often allowing us to deliver custom reports within 24 hours.  When you purchase loans within QCIQ to audit, you instantly have access to our large library preloaded reports.  These reports have been refined over the years and fulfill all basic needs of your QC reporting needs.  We are especially proud of our robust trending reports that give a snapshot of the performance of your underwriters to your closing agents over a twelve month period.  QCIQ provides your company the reports it needs for your executives to your QC manager down to the branch manager to empower your company to increase productivity and the bottom line.

Today, QCIQ is the leading Mortgage Quality Control software on the market.  It is secure, cloud based and provides you all the tools you need to turn your QC department into a driver in positive growth in your company.  But this is just the beginning!   We have plans to change the Mortgage Quality Control market as it currently stands.  Join us while we provide more tools and more innovative to our customers!

 

  1. Industry leading security for cloud based application
  2. Entire site uses 128-bit SLL encryption protecting all data and images displayed on site
  3. Sensitive information, passwords, SSNs and Id numbers are all encrypted at the database level
  4. Ability to control access at the IP address level
  5. Role based security allows you to manage your employee’s access
  6. Site is tuned for speed giving you all the tools you need just a click away
  7. Clean, user friendly design increases ease of use and performance
  8. Audit is where analysts will begin working with loans
  9. Audit Actions provide all of the tools users will need to manage audit
  10. Completed Loan page gives users all the information they need to quickly see any exceptions
  11. Screen is organized to be easy to understand and manage
  12. Ability to Lock loans once audit has been performed
  13. Easy to credit a new audit, only four pieces of data.
  14. Unlimited audits can be created to fit your needs
  15. Easy to add a new loan allowing analysts to spend their time auditing the loan and not typing
  16. Clients have option to upload loans from their LOS system
  17. Orange displays documents that have not been audited, Green means they have been completed
  18. Simple display allows auditor to quickly determine next tasks
  19. Answer direct questions for each document allows auditor to quickly move through the audit
  1. Questions are customizable and are based on current regulations
  2. Income re-verification allows for users to audit General Income, Pay-stubs, Tax Returns or W-2’s.
  3. User can enter as many Assets as required quickly and easily
  4. Storing basic information about the Asset provides the auditor all they need for their analysis
  5. Verifications are easy to generate and are customizable
  6. Employment information is easy to enter and audit
  7. Basic employer information provides all the information necessary for auditor
  8. Employment verifications can be generated for each required Employer
  9. Completed loan displays all Green flags
  10. User simply clicks the Rate Loan button to analysis loan against regulations
  11. Two ways to display results of loan analysis, by Document and by Significance
  12. This provides users the ability to quickly understand the issues within the loan
  13. Red flags tell users an extra level of caution is required for that particular exception
  14. Exceptions by Significance quickly gives the users an overview of the severity of the loan’s exceptions
  15. We provide several reports out of the box, but are able to customize or build any report your company many need
  16. We provide several reports out of the box, but are able to customize or build any report your company many need