Flow Loan Deliveries

Mortgage Delivery Specialists can help sell newly originated loans to Fannie Mae, Freddie Mac and Ginnie Mae on a flow basis.


The experts at Mortgage Delivery Specialists can help you manage your loans and increase your liquidity through regular monthly bulk loan sales. MDS’s proprietary methodologies ensure that loans are delivered timely and accurately, and all flow delivery services are customized to match lender needs. MDS professionals are experienced with all loan types including fixed rate loans, adjustable rate (ARM) loans and reverse mortgage loans.

Below are some of the services that can be included in an agency delivery service project managed by Mortgage Delivery Specialists:

  • Project Planning & Management
  • Data Gathering from Loan Origination Systems, Servicing Systems and Other Sources of Data
  • Portfolio Analysis and Stratification
  • Data Scrubbing
  • Custodial Certification Coordination
  • Legal Document Review
  • Edit Review and Resolution
  • Fannie Mae EarlyCheck*
  • Generate MISMO/ULDD import files for Loan Delivery and the Selling System**
  • Post Transmission Services
  • HMDA Data Collection
  • Assignment Preparation
  • Customized Reporting

*As part of our standard Fannie Mae delivery process, MDS runs all loans through EarlyCheck. This enables us to identify any discrepancies between the DU information used to qualify loans for sale to Fannie Mae and the information provided to MDS by the Seller. Loans with discrepancies that are outside the Fannie Mae tolerance will trigger a Fatal edit. The EarlyCheck process also identifies loans with LQI (Loan Quality Initiative) Fatal edits. MDS continues to update our internal and proprietary edits in an effort to identify and cure these LQI edits early in the loan delivery process for both Bulk and Flow deliveries to Fannie Mae.

**MDS has completed its verification in the GSE ULDD MISMO Version 3.0 framework. The ULDD XML file is part of the UMDPSM (Uniform Mortgage Data ProgramSM) that has been jointly established by Fannie Mae and Freddie Mac at the direction of their regulator, the Federal Housing Finance Agency (FHFA). MDS has incorporated these new requirements into its current GSE deliveries and has been successful in delivering loans in the Fannie Mae Early Readiness XML format and successfully completed its verification with Freddie Mac.

Using the experts at MDS to deliver flow loan sale transactions allows you to expand your securitization capacity, avoid costly errors and manage your personnel costs.

For more information or a free consultation, call us at (262) 746-9213 or use the form below.


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