Chasing a $650 appraisal fee by text message
Send the borrower a pay link for the exact fee, against the exact loan file. They tap it, it's paid, and it's on the file — not a note in somebody's phone.
Every loan file, and every fee you take up front
Your origination fees settle at the closing table. The appraisal and the credit report do not — those come out of a borrower's pocket weeks earlier, and most lenders chase them by text. QuixChex takes them properly and keeps the whole pipeline in one place.
Why mortgage lending is different
Where It Gets Hard
Nobody can say where a file actually is
Application, processing, underwriting, conditional approval, clear to close. Every file sits in a stage, with the conditions still outstanding written on it, so a status call takes ten seconds.
Fees collected in five places and reconciled in none
Every fee taken is recorded against the borrower and the loan number, with the processor's own reference on it. What you collected in a month is a report, not an afternoon.
Day one
Your Prices, Already In
Say you run a mortgage lending business and QuixChex sets this up for you before you've typed anything. Every price is editable — they're a starting point, not a rule.
| Service | What it covers | Starting price |
|---|---|---|
| Appraisal Fee | Full interior appraisal, collected at order | $650 |
| Appraisal — Desktop / Hybrid | Where the program allows a reduced scope | $325 |
| Appraisal Re-Inspection (1004D) | Completion or repair re-inspection | $175 |
| Credit Report Fee | Tri-merge credit report | $65 |
| Credit Report — Joint | Tri-merge for two borrowers | $95 |
| Application Fee | Where the lender charges one | $400 |
| Rate Lock Extension (per 15 days) | Extension beyond the original lock expiry | $375 |
| Rate Float-Down | Re-lock at a lower rate under program rules | $500 |
| Flood Certification | Life-of-loan flood determination | $25 |
| Condo Questionnaire | HOA project review documentation | $250 |
| Verification of Employment (third party) | Written VOE through a vendor | $45 |
| Courier / Wire Fee | Document courier or outgoing wire | $35 |
How a job runs
One Job, Start to Finish
A loan officer takes an application and orders the appraisal. QuixChex sends the borrower a link for the appraisal fee, takes the card, and puts the payment on that loan file. The file moves through processing and underwriting with its conditions listed, and when it funds, everything collected against it is already reconciled.
Already Connected To
QuixChex reads card activity straight off Winston POS, settles through iStream and Global Payments, and is backed by Port City Processing LLC. Whatever you already run on the counter and in the back office keeps running — QuixChex fits around it.
FAQ
Questions, Answered
Does this collect origination or underwriting fees?
No, and it shouldn't. Those are disclosed on the Loan Estimate and settle at closing through the title company, netted from proceeds. QuixChex handles the fees a borrower pays you directly and early — the appraisal, the credit report, an application fee, a lock extension.
Is this a loan origination system?
No. It doesn't run AUS, produce disclosures or talk to an investor. It handles the money and the pipeline view alongside whatever LOS you already run.
What about TRID timing on fee collection?
That stays your call, and your compliance team's. Beyond a credit report fee, a lender generally can't collect until the borrower has the Loan Estimate and has given intent to proceed. QuixChex will take a fee whenever you raise it — it does not decide when you're allowed to.
Can I see how much each loan officer brought in?
Yes. Loan officers are on the account as staff, and files are theirs. Fees collected report by file and by month.
Goodbye chaos, hello clarity
See It on Your Business
Fifteen minutes, your actual services, your actual customers. We'll show you what the first week looks like.