Tell us which of these you are.
Brokers, correspondents and small teams establishing a consistent internal QC rhythm.
- What your QC plan requires
- Where the review hours go now
- What evidence you have to produce
- Which reports management reads
Small IMBs, community banks and credit unions running a full monthly cycle.
- Sampling method in use today
- How reverification is tracked
- Investor and examiner requests
- Where the cycle currently breaks
If you are still deciding whether to build the function in house or buy the labor.
- Bring one closed file
- Tell us what fails review
- Use the free calculators today
- No obligation and no card
ExactClose is pre-release · no pricing is published yet · nothing on this page is an offer · we reply to every message
Cost model
What does your post-close QC cycle cost today?
This compares an outsourced per-file quote against the loaded cost of the same reviews done in house. It does not price any software, and it does not assume a tool replaces review work your QC plan requires.
$3,300 a month at 30 reviews. The same reviews in house come to $2,025 a month, or $24,300 a year, at $68 of reviewer time per file. Neither figure includes third-party reverification fees, and neither one buys reviewer independence where your QC plan requires it.
What is included, and what is not.
What the product is being built to do
- Workspace setup and team roles
- Loan population and file ingestion
- Core deterministic checks
- Findings, notes, and dispositions
- Reverification tracking and letters
- Encrypted reports and standard exports
Not represented as included
- Independent outsourced audit labor
- Third-party employment, asset, or credit reverification fees
- Legal opinions or a written QC plan
- Custom enterprise implementation
- Regulatory certification or examination guarantees
- Unlimited external provider usage
Compare total mortgage QC cost at your actual volume.
A subscription price and an outsourced per-file fee buy different things. Software gives qualified internal reviewers a controlled operating record; a service provider supplies audit labor and may perform contracted external work. Enterprise platforms may add broad audit scope, custom configuration, professional services, and integrations. Normalize responsibility before comparing numbers.
For every option, price implementation, data migration, users, closed-loan or review volume, document storage, API access, support, training, reviewer labor, external reverification, outsourced services, renewal increases, minimum commitments, and contract exit. Model normal, peak, and low-volume months. A flat annual quote can hide unused capacity, while a per-file model can become expensive during high volume.
Whatever ExactClose eventually charges will cover the focused software workflow described above. It will not include independent reviewer labor, third-party verification fees, legal review, a written QC plan, or any guarantee of agency, investor, or regulatory compliance. If those are required, include the appropriate provider and internal control costs in the operating model, and be sceptical of anyone who tells you software removes them.
Questions to answer before you buy anything.
- Volume: How many unique post-close loan reviews will the team complete in a normal, peak, and low month?
- People: How many processors, qualified reviewers, administrators, and management readers need access?
- Sampling: Does the approved QC plan require random ten-percent selection, statistical sampling, channel strata, or separate discretionary reviews?
- Integration: Can the team begin with CSV, MISMO, UCD, ULDD, and PDF files, or is API access required immediately?
- Evidence: Which source documents, returned reverifications, rebuttals, corrective actions, and report artifacts must remain available?
- Exit: Which structured records and reports must be exported, how long must they be retained, and when should customer data be deleted?
Whatever you shortlist, insist on completing representative reviews rather than simple uploads. Reproduce the sample, trace a cited finding, record a reviewer decision, test a reverification exception, close corrective action, and export the resulting report. A vendor that cannot show you all seven steps on your own file has not shown you the product.
Keep decisions human and evidence explicit.
Software pricing does not include independent outsourced audit labor, legal advice, regulatory certification, or external reverification fees.