Conditions Manager
Creates conditions against the Selling Guide and your overlays, normalises the naming, then clears them as evidence lands.
Conditions are created against the Selling Guide and your overlays, cleared as the evidence lands, and the remaining list is re-planned when a new document changes what is still needed.
What it displaces
The condition list that is unstructured and without clear ownership.
A normalised condition list that clears itself and hands back only what needs human judgement.
What it does
- 01
Creates conditions against the Fannie Mae Selling Guide, Freddie Mac, FHA Handbook 4000.1 and your own overlays
- 02
Normalises the naming and clears each one as the evidence lands, cited to the source page
- 03
Re-plans the remaining list when a new document changes what is still needed
- 04
Writes cleared conditions back to the LOS so the file a processor opens is current
What it leaves behind
- Verbal VOE within ten daysclearedVOE p.1 · B3-3.1-07
- Hazard policy, effective dateclearedPolicy p.1 · B7-3-03
- Large deposit unsourcedyouStatement p.2 · below the floor
- Title commitment, Schedule B-IIclearedCommitment p.4
Written against the Selling Guide and overlay INV-114, then cleared as evidence landed
Human-in-the-loop
No guesswork. Exceptions routed to humans
Anything below threshold is not cleared — it is routed to your underwriter as a named exception with the document and the rule beside it.
How a decision is made and provedProof
Better Mortgage cuts loan review from 4 hours 50 minutes to 47 minutes
Better Mortgage — the NASDAQ-listed digital lender — automates 92% of QC and closes a full review cycle in under an hour with Sei.
- loan review time
- 4h 50m → 47m
- of conditions checks automated
- 92%
- items auto-cleared
- 78%
What it runs on
1 of 3- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 9 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 04Document ConciergeGets the full document set before underwriting asks.
- 05Income DeskRep-and-warrant-eligible income, cited to the page.
- 07TRID & Cure ManagementWatches every clock, catches every cure.
- 08Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 09Compliance AgentEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study