The Loan Is Not Sold Until It Clears Suspense: An AI Agent on the Investor Delivery Desk and the Reps and Warranties Behind Every Sale
Origination gets the applause and secondary marketing carries the cost. Purchase suspense, trailing documents, data mismatches between the loan file and the delivery data, and the representations and warranties that make the seller liable for a defect long after the loan funds. Where an AI agent works the delivery desk, how it reconciles the file against the delivery data before the loan ships, and why the reps a lender makes at delivery are the reps an AI cannot make on its own.