Trailing Document Scanning & Processing

End the Cost and Chaos of Missing Documents

Lenders originating 50 to 500 mortgages per month struggle to scan and process the resulting 200 to 1,500+ trailing documents in time to avoid investor nastygrams and fines – and investors are increasingly issuing fines if, 30-60 days after the loan closes, they don’t have all the trailing docs in hand. Slow trailing doc processing also delays cash flow from the sale of mortgages to investors.

Our trailing document service dramatically streamlines processing, eliminates leakage and pays for itself in time savings, improved processes and happy investors.

Prep & Scanning

Instead of having a flood of trailing documents dumped on your mailroom, later to pile up in the cubicles of your staff, our service allows you to have them sent to a P.O. box, where we pick them up daily, prep them for scanning and scan them in – all document types included:

  • Title policies and addendums
  • Deeds of trust
  • Homeowner insurance (HOI) and hazard insurance policies
  • Private mortgage insurance policies
  • Mortgage insurance certifications from FHA
  • Loan guarantee certifications (LGC) from VA
  • Final certified copy of the closing disclosure (CD)
  • Other modified documents, correspondence and miscellaneous others

Workflow & Outbound Calls

Once all trailing documents are scanned, we log into your loan origination system (LOS) and, with read-only access, review the final lending instructions.

Missing documents or inconsistent information is tracked down and corrected. Our team makes outbound calls to acquire what is needed from the recorder of deeds, title company, etc. Once the file is complete, we send electronic versions and originals to the lender, investor and/or any other party as needed. For example, if the loan file is missing a 104.1 endorsement, we’ll make the call and get it sent to our P.O. box, complete the file and send it to the investor.


We use MetaStor mortgage document management software to store all trailing documents and to report to lenders on a weekly basis to identify what’s missing from each loan file.

Contact us to learn more about our trailing document service

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