QC the loan package before it hits credit

1 · Learn the move · Red-team audit

On a construction loan the same figure lives in five places. Acreage sits in the survey, the approval letter, the appraisal and the application. Total cost sits in the budget, the application and the loan-to-cost line. Building area sits in the plans and in every LOI. When two of them disagree, credit does not pick one; it stops, asks, and prices the doubt, and you lose a week. Red-team your own package before it goes. Name the failure shapes so the review has somewhere to look - a figure that disagrees across documents, a load-bearing figure that lives in only one, a document older than the facts it should reflect, and an item the package refers to that is not there - and forbid the fix. The review does not reconcile, average or choose. It quotes both sides and hands the mismatch back to you, because the right number lives in a document, not in the model.

Attack my loan package before credit does. Hunt four shapes: MISMATCH (same figure, different documents), SINGLE-SOURCE (a load-bearing figure in one document only), STALE (a document dated before a change it should reflect), MISSING (an item referred to but absent). Quote every figure with its document and page. Never reconcile, average or pick the right number. End with a verdict and the three findings credit will ask about first. [package documents]