APLD compliance. Cook County transfer tax. IL 4.95% withholding verification. 66 forensic checks tuned to Illinois regulations — so your file is clean before it reaches an underwriter.
First 3 files free · pay per file · no subscription · For licensed mortgage professionals
Cook County transfer tax + proration exceeds verified assets.
⏱ 3–7 days · Request additional funds documentationRecurring payment not on credit report.
⏱ 2–3 days · Verify against credit reportPay stub state tax doesn't align with 4.95% flat rate.
⏱ 1–2 days · Verify with additional pay stubsForensic Stages
Deterministic Checks
IL Compliance Features
Documents Stored
National platforms don't know about APLD registration deadlines, Cook County's three-tier transfer tax, or the 110% proration convention.
Your processor manually checks income math, verifies deposits, calculates DTI, and hopes nothing Illinois-specific was missed.
Shadow debt, declining income, undisclosed liabilities — caught at underwriting, not before. That costs time and deals.
Fines up to $25,000 per offense. 10-business-day deadline. Counseling triggers that brokers track manually on a spreadsheet.
Every check is tuned to Fannie Mae, FHA, and Illinois-specific requirements. Cook County transfer tax with Chicago CTA surcharge. APLD Group A/B counseling triggers with federal holiday-adjusted deadline tracking. IL 4.95% withholding cross-checks on every income document.
National tools give you national rules. Margie gives you Illinois rules.
Request a DemoThree steps. From documents to Illinois-compliant findings.
Margie classifies all 11 document types automatically and assigns each to the correct borrower in co-borrower files.
Income verification, asset forensics, tax return analysis, identity cross-validation, DTI & affordability with Cook County costs, and final readiness with APLD compliance.
Prioritized action items with resolution times, four-dimension integrity scoring, estimated lender conditions, and Illinois-specific flags called out separately. Download the PDF report or export the audit trail.
✓ No significant conditions expected. File appears submission-ready. APLD registration on track.
Seven screens. One platform. Every file tracked from upload to submission.
Active files, pending action items, APLD alerts, and compliance status at a glance.
Complete history of every file reviewed. Readiness scores, version history, and PDF report downloads.
Append-only compliance trail. Every check timestamped, every flag logged with the rule that triggered it.
View exactly what Margie read from each document, organized by borrower. Original files never stored.
Each stage checks against Fannie Mae, FHA, and Illinois guidelines.
Qualifying income, IL 4.95% tax compliance, YTD alignment, income trajectory, garnishment detection, SSA benefit gross-up.
Large deposit detection at Fannie/FHA thresholds, NSF frequency, shadow debt identification, funds seasoning, gift letter requirements.
AGI reconciliation, Schedule C add-backs per Form 1084, K-1 liquidity, FHA 20% decline detection, IL state return cross-check.
Three-tier name matching, address verification, employer cross-check, income consistency across all documents. Co-borrower sorting.
Individual + combined DTI, student loan three-path logic, cash-to-close with Cook County transfer tax and 110% property tax proration.
Integrity scoring, action items with resolution times, APLD counseling triggers, executive narrative, PDF report generation.
APLD compliance for Cook, Kane, Peoria, and Will counties. Transfer tax and proration calculations for Cook County and Chicago. Not adapted from a national template.
Every W-2 and pay stub cross-checked against the IL flat rate. Schedule M divergence explanations when federal AGI differs from IL taxable income.
Group A/B counseling triggers, 10-business-day registration deadline with federal holiday adjustment, geographic gating to APLD counties only. $25K penalty prevention.
Three-tier calculation: state ($0.50/500), county ($0.25/500), Chicago ($3.75 buyer + $1.50 CTA seller). Recording fees at $106/document included.
Cook County customary proration convention with reassessment-year volatility warnings and Homeowner Exemption mismatch detection.
Down payment, closing costs, escrow reserves, transfer tax buyer share, recording fees, and seller proration credit with Illinois-specific calculations.
Every check timestamped and logged with the rule that triggered it. Role-based access. Export PDF audit reports for compliance documentation.
17 security features protecting nonpublic personal information.
Documents exist only in volatile memory during analysis. No copies of original files are ever retained on our servers.
All analysis results encrypted at rest with authenticated encryption. Data in transit protected by TLS 1.2+.
Full Gramm-Leach-Bliley Act and FTC Safeguards Rule compliance with written information security program.
API rate limiting, Firebase App Check verification, and brute-force prevention on all authentication endpoints.
Each brokerage's data logically isolated with RBAC, JWT custom claims, and Firestore security rules.
One active session per user. Maximum 2 registered devices. Unauthorized sessions automatically terminated.
10 business days to register. Miss it in Cook, Kane, Peoria, or Will County and IDFPR can fine your brokerage up to $25K — plus license revocation.
Every 15-day extension costs 0.125–0.375% of the loan amount. On a $400K loan, that's real money — because an issue wasn't caught before submission.
The borrower gets frustrated. Goes to the lender down the street. That commission isn't reduced — it's gone.
Investor finds a compliance gap after closing and demands a repurchase. The brokerage eats it. No insurance covers this.
Every file. Every time. 66 deterministic checks against Fannie Mae, FHA, and Illinois-specific rules. APLD compliance with automatic counseling trigger detection. Cook County transfer tax and proration built in. Undisclosed liability scanning.
The question isn't what Margie costs. It's what it costs when your file hits the underwriter's desk with something you should have caught.
No seat licenses. No annual contract. Pay only for the files you run — and your first three analyses are on us.
66 forensic checks. 17 Illinois compliance features. Encrypted results. Zero documents stored. Try it on your next file.
First 3 files free · pay per file · no subscription · For licensed mortgage professionals originating in Illinois
See Margie run a real Illinois borrower file. We'll schedule a 30-minute call.
Request a Demo First 3 files free when you onboard · pay per file · no subscription.