In this episode of The AiCR Exchange, Joe Furlong is joined by Paul Raebel for a behind-the-scenes look at mortgage loan delivery and what it actually takes to sell and securitize loans with Fannie Mae, Freddie Mac, and Ginnie Mae.
They discuss why data quality drives the entire delivery process, how missing or inconsistent data creates bottlenecks, and where issues most commonly surface during agency deliveries. The conversation covers common data challenges, modified loans, early buyouts, and why delivery is far more than simply submitting a loan file.
The episode also touches on how agency requirements have evolved over time, why delivery failures can still occur, and how experienced delivery specialists manage the full process across secondary, shipping, custodians, servicing, and investors to ensure timely settlement.
The AiCR Exchange features conversations with leaders across mortgage and financial services on document workflows and technology decision-making.