:: Final Document Services

Get peace of mind with NTC’s Final Document services that improve your processes, lower costs and mitigate fraud risk.

Nationwide Title Clearing partners with our clients to strategically build Final Document Services that give them valuable peace of mind. NTC’s clients rest easy knowing that the entire process is under control, risk is mitigated, and costs are lowered while improving process quality.

Final Document services include: document imaging, investor/custodian delivery, complete document tracking, thorough & timely follow-up for outstanding documents, comprehensive audits for each document, data capture, MERS updates, correctives obtained on needed documents, and escalated document retrieval (as needed).

NTC’s advanced Final Document service gives you greater control, lower costs and better process efficiency by NTC decreasing your number of outstanding documents, reducing document retrieval, lowering the risk of investor penalties, catching agent fraud, improving control and eliminating your time spent on missing documents.  Contact us today to get peace of mind on your Final Documents.

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Final Document Services Include:

  • The Final Document Service begins with lenders (NTC’s client) providing instructions to their closing agents/title companies/correspondent lenders or attorneys to forward all original mortgages/deeds of trust, title policies and assignments (as applicable) to NTC after origination and recording for all new loans.

  • NTC receives regular daily/weekly data download from the client on all new loans originated through various channels. This data download starts an automatic alert system for each file based on the average recording timeframe for each individual state/county.
  • Upon receipt of the original mortgages/deeds of trust and title policies, NTC will perform a variety of tasks including, imaging, audits, data validation, file creation, investor stacking and other services as selected by the client.
  • All documents received are then forwarded to the appropriate investor as instructed by the client. Any documents not received automatically within the pre-set time frame will trigger a series of follow-up actions with the appropriate title company/closing agent or attorney. NTC will proceed with follow-up until the documents arrive.
  • In the event the title company/closing agent/correspondent lender or attorney is unresponsive in returning the original documents, NTC will perform document retrieval services to obtain a copy of the documents to satisfy investor requirements.
  • The NTC system ensures no loan is forgotten and all originations are followed up within appropriate time frames.

Benefits of Final Document services:

  • Clients achieve a dramatic cost savings by gaining an advanced tracking system and a highly skilled follow-up team there to get their original recorded documents in and sent to their custodians or investors in a timely fashion.
  • Clients also experience added benefits by NTC performing an audit on the front end to discover errors, file discrepancies and through the curative actions taken NTC is able to protect our clients from an array of fines, investor penalties and ultimately improving the loan quality in their portfolio.
  • Final Document clients typically see a remarkable decrease in the overall percentage of unrecorded documents (with insecure lien positions), reduce their overall document retrieval costs by having greater follow-up procedures, drastically lower their risk of investor penalties and holdbacks and eliminate the number of staff hours expended in following up missing documents.
  • All of NTC’s services include custom integration with client systems, as available. Services include website access to the exact status of all original documents and images of mortgage/deed of trust and title policy.
  • NTC offers our clients greater control of final document management and better efficiency through our advanced tracking capabilities and complete website access to reporting, images and status information.

  • Potential agent or homeowner fraud detected early on in the process due to timely and pro-active follow-up and correspondence on the loan.