Repurchase defense workflow
Reconcile a repurchase demand allegation-by-allegation
When an investor, mortgage insurer, wholesale lender, or aggregator sends a demand package citing appraisal defects, DeepV maps every allegation to the underlying appraisal payload, the comparable record, and the relevant policy reference — then produces a rebuttal-support packet with cited evidence your team and counsel use to respond.
Demand package intake
The full demand package — letter, exhibits, prior correspondence, supporting comparables — lands in one review record. DeepV classifies every artifact and pins a SHA + timestamp.
Day 0
Demand received
Demand letter, exhibits, prior correspondence land in the DeepV portal.
Day 0–1
Allegation parsing
Each alleged defect is extracted, categorised, and routed to the responsible brain.
Day 1–2
Evidence assembly
Brains reconcile against the appraisal payload, comparable record, and policy references.
Day 2–3
Rebuttal-support packet
Reviewer drafts rebuttal language with cited evidence; DeepV produces the assembled packet.
Day 3+
Human reviewer hand-off
Your team / counsel signs off, refines, and submits — DeepV does not file rebuttals on your behalf.
Allegation-to-evidence map
Every cited defect is reconciled to the source artifact that supports or contradicts it. Each row is a clickable trace card.
Comp 3 outside policy radius without scarcity note
Evidence: Comp grid line 3 + appraisal supplement page 9 + MLS proximity search log
Routed brain(s): Ken Guilfoyle · Ross Brandt
GLA mismatch vs. tax record
Evidence: Section 16 grid + county assessor record export + subject photos line 7
Routed brain(s): Lex Parsewell · Ken Guilfoyle
CCR rental restriction not reflected in condo classification
Evidence: Title prelim section 4 + condo HOA bylaws + warrantability matrix
Routed brain(s): Mira Langston · Sadie Moraine
Photo coverage gap (roof, foundation)
Evidence: Photo addendum page 12 + EXIF timestamp gap + image-forensics scan
Routed brain(s): Dr. Lyra Cross
Appraisal defect classification heatmap
Allegations are classified against a structured taxonomy and weighted by materiality so the response is triaged correctly.
Subject Property
3
GLA, room count, condition deltas
Comparable Selection
2
Bracket violations, scarcity bumps
Adjustment Defects
4
Net / gross adjustment ceilings
Market / Time
2
MC trend reconciliation
Photo / Condition
1
Photo coverage gaps
Title / Parcel
1
Vesting gap or unrecorded easement
Zoning / Use
1
ADU, condo warrantability
Compliance
5
Form, signature, AIR posture
Heatmap cells are illustrative for this demo. Real demand packages produce live counts inside the portal.
Comparable + data reconciliation
Comp grid, adjustments, MC trend, and field-level UAD 3.6 data are reconciled side-by-side with the demand's cited records. Mismatches surface inline.
Cited record (demand)
Comp 3 sale price: $478,000 · proximity 1.78 mi · net adj 18%
DeepV reconciled
Same sale price ✓ · proximity 1.78 mi ✓ · scarcity bump applied (radius_mi 1.5 → 2.0) per S04 policy reference; net adj within bumped tolerance.
Policy + reference timeline
Every cited investor / agency rule is matched to its effective version and date. The timeline shows which policy applied at appraisal time.
- 1
Investor seller guide §5.6.3
Comparable selection / scarcity bump policy
2024-Q4 effective
- 2
Investor seller guide §4.2.1
GLA reconciliation tolerance
2025-Q1 effective
- 3
AIR appraiser independence Rev. 2024-03
Reviewer-note language requirements
2024-03-15
- 4
UAD 3.6 transition GSE bulletin
Field-level UAD 3.6 migration timing
2026-03-10
Rebuttal-support workspace
Per-allegation evidence cards plus suggested rebuttal language. Your reviewer edits or accepts before assembly. DeepV does not file rebuttals on your behalf.
Layer 1
Allegation
Demanding party text + claim type + cited section
Layer 2
DeepV finding
Brain output, severity, evidence reference, audit trace id
Layer 3
Source artifact
Field, page, image, comparable, or supplement that drove the finding
Layer 4
Suggested rebuttal language
Per-defect proposed text citing the evidence — your team finalises
MI rescission · wholesale lender · investor demand support
The same workflow runs on mortgage-insurance rescissions, wholesale-lender buybacks, aggregator quality-control demands, and investor scratch-and-dent flow.
MI rescission
Reconcile rescission cause against the underlying appraisal payload and credit / occupancy record. Producing carrier-ready evidence packets.
Wholesale lender
Buyback / correspondent demand packages routed through the same allegation-to-evidence map.
Investor / aggregator
Scratch-and-dent reconciliation, post-close audit demands, and rep-and-warrant exposure tracking.
Evidence packet assembly
The assembled packet captures every allegation → finding → evidence reference → suggested language, plus the audit trail (rule_pack_version, brain_version_ids, prompt_version, langsmith_trace_id).
Sample evidence packet preview
Inspect the labelled R81 deterministic sample to see the schema: a brain-by-brain review output, RISC roll-up, source URL trace, and audit-trail block.
Human reviewer handoff
DeepV is review support. Final rebuttal letters, MI carrier correspondence, and investor responses are authored and signed by your team or counsel.
- Reviewer reads the assembled packet (allegations → DeepV findings → evidence → suggested language).
- Reviewer chats inside the file — questions resolve against committed evidence, not the open model.
- Reviewer accepts / edits / drops the proposed rebuttal language per allegation.
- Reviewer or counsel finalises the rebuttal letter and submits to the demanding party.
- DeepV pins the final-state packet to the audit trail for regulatory revisit.
DeepV is review-support software. It does not provide legal advice and does not file rebuttals on your behalf.
Run a live demand through the workflow
Bring a real demand package; we will scope a workflow demo or an admin-authorized review credit so the full allegation-to-evidence map runs end-to-end on your file.