Mortgage loan delivery is the process of preparing, selling, and securitizing loans with Fannie Mae, Freddie Mac, and Ginnie Mae, and small data issues can create major problems before a loan ever reaches settlement.
What does it actually take to get a loan from closing to investor settlement without it falling apart along the way?
Mortgage delivery isn’t just submitting a file. In this episode, Joe Furlong sits down with Paul Raebel to walk through what happens after a loan closes and why so much can go wrong before it ever reaches an agency. Paul breaks down how data quality drives every step of the delivery process and how missing or inconsistent data creates the bottlenecks lenders feel most. The conversation covers how agency requirements have evolved, what makes modified loans and early buyouts particularly tricky, and how experienced delivery specialists coordinate across secondary, shipping, custodians, servicing, and investors to keep settlements on time.
- Why data quality is the foundation of a clean delivery, and where the gaps most commonly show up
- How agency requirements have changed over time and what that means for delivery teams today
- The complexity behind modified loans and early buyouts that most people don’t see
- What it takes to manage the full delivery process across multiple stakeholders and still hit your settlement window
The AiCR Exchange features conversations with leaders across mortgage and financial services on document workflows and technology decision-making.