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Certify Whole Loan Portfolios

Receive a third-party review and certification
of loan due diligence before purchasing or selling portfolios.

83%

Due diligence professionals are 83% more productive with BaseCap.

Perform Due Diligence in 24 Hours*

BaseCap is a tech-enabled due diligence solution used to certify portfolios with greater accuracy and consistency in 24 hours or less.

Learn about our 24-hour guarantee >

4 Steps to Rapid Diligence

1. Choose Your Loan Product

  • Residential Mortgages
  • Commercial Mortgages
  • Home Equity Lines of Credit
  • Buy Now Pay Later Loans
  • Time Share Loans
  • Auto Loans
  • Corporate Loans
  • Student Loans
  • Personal Lines of Credit
  • Residential Transition Loan
  • Equipment Financing / Leasing
  • Peer to Peer Loans

2. Select Your Diligence Checks

How do you want to validate your data?

Asset Fact Review

Policy Packs:

  • Critical Documents
  • Cross-Document Consistency
  • Document to Data Source
  • Data Validation

Collateral Performance

Policy Packs:

  • Title & Lien Position
  • Underwriting Guidelines
  • Appraisal & Valuation

Credit & Compliance

Policy Packs:

  • Income Validation
  • Credit Score & History
  • Underwriting Guidelines

Fraud Detection

Policy Packs:

  • Government Document Verification
  • Cross-document consistency Checks
  • Document to 3rd Party Data Source Checks

**Requires 3rd party background check source data

3. Certify Your Loan Data

Based on the results of your automated due diligence check, your files will receive a certification level, a full report of exceptions, and third-party supplemental reports.

Quality Designations:

  • Qualified Level 1: No exceptions exist within the loan or loan files. The loan conforms to the agreed-upon policies.
  • Qualified Level 2: The acceptable permitted policy guidelines were met. Exception validations are documented and do not introduce material risk.
  • Unqualified: No certificate or badge is issued; critical and high-risk exceptions were identified and unresolved, indicating significant potential risk.

Trusted Technology

logos for awards: AICPA SOC, HousingWire Tech100 Mortgage, ISO 27001 Certified

The BaseCap difference

Financial institutions have used our platform to:

  • Scan 28 million data fields per week
  • Run 2,300+ policies per week
  • Save 1,000 hours of manual work per week
  • Achieve a 3X return on investment
Explore the Platform

Due Diligence Resources

Ready to see BaseCap in action?

Meet with one of our data quality experts to discover how our platform can address your data challenges.

Sign Up for a Demo
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Terms & Conditions

24 Hour Loan Due Diligence Guarantee

Guarantee Offer:
We guarantee a 24-hour turnaround time for performing a standardized diligence checklist and providing a certification for eligible loans. If we fail to meet this commitment, we will provide a credit for the affected loan on the client’s next loan submission. This guarantee timeline does not apply to exception resolution and subsequent reruns of loans.

Conditions & Exclusions:

This guarantee applies under the following conditions:

  1. Cutoff Times & Business Days:
    1. The 24-hour period begins from the time of submission, provided it occurs before the daily cutoff time as defined in the contract.
    2. 2.Submissions received after the cutoff time will be treated as received on the next business day, and the 24-hour period will begin from that point.
  2. Force Majeure & System Outages:
    1. This guarantee does not apply in the event of Microsoft Azure outages, broader cloud service disruptions, or any force majeure events beyond our control.
  3. Third-Party Dependencies:
    1. If document scans, data files, third party reports or other required materials are delayed due to our provider or an integration partner, the 24-hour clock will not begin until all necessary documents and data are received.
  4. Volume Spikes:
    1. If loan volume exceeds 30% of the rolling 30-day average, we reserve the right to temporarily suspend the 24-hour guarantee until processing volumes return to normal or are reflective of the new increased average.
  5. Exclusions & Modifications:
    1. We reserve the right to modify or suspend this guarantee at our discretion in the event of circumstances beyond our reasonable control.
    2. The credit applies only to the next loan submitted by the client and has no cash value.

By submitting a loan for diligence under this guarantee, the client acknowledges and agrees to these terms.