Long tenors, and drift that compounds quietly
You own the housing co-lending book. A home loan lives for fifteen or twenty years — long enough for a small classification mismatch, an unfiled charge or a lapsed policy to compound into an embedded finding that no one remembers creating. The arrangement-level controls under the 2025 Directions — retention, blended rate, booking window, escrow, classification sync — plus the housing pack’s property evidence are recomputed per cycle across both REs, so drift is caught while it is still small.
What this book has to keep proving
Every control is recomputed from versioned inputs and versioned rules. And where evidence is absent, the control reports UNKNOWN — an unevidenced control is never a silent pass.
Independent valuation evidence
The appraisal reports behind the property value, attached as evidence per loan — so the number your exposure rests on traces to an independent valuer, not to an assertion at sanction.
Title & charge evidence
Title search report, legal opinion and the CERSAI security-interest filing inside statutory timelines — the paperwork that decides recovery, evidenced while it can still be fixed.
Property insurance status
Policy status tracked over the life of the loan. On a twenty-year tenor, cover that quietly lapses in year six is exactly the kind of gap that surfaces only at claim time.
Retention & blended rate
Each RE's share and the borrower's blended rate, recomputed from the actual splits on every loan, every cycle — because a term sheet from origination says nothing about year twelve.
Booking window & escrow
Disbursement, partner acceptance, reimbursement and the GL posting inside the 15-day window; collections and appropriations matched across the escrow account and both REs' ledgers.
Classification sync & bureau files
The same borrower carried at different DPD or classification by the two REs, or reported single-sided to the bureaus — caught per cycle, not discovered years in.
How a cycle runs on the housing book
Ingest
Both REs' loan, disbursement, escrow and classification events land alongside the housing pack's evidence — valuation reports, title and charge records, insurance status. The overlay reads both books; it never edits either.
Recompute
The arrangement controls and the housing pack recompute over every loan, every cycle. On a two-decade tenor that is hundreds of cycles — and a control without evidence holds at UNKNOWN rather than passing quietly.
Work the findings
A divergent classification, an escrow mismatch, a valuation that never landed — each opens as a finding with an owner and a lifecycle: open, acknowledged, remediated, re-checked on the next cadence.
Evidence on demand
When an inspector, auditor or partner asks about a loan booked eight years ago, the evidence dossier is the by-product of operating — not an archaeology project.
See a cycle in the life of a housing arrangement
Walk through the audit-readiness case study, then see AssureCLA against your own arrangement mix — shadow pilots run on a historical tape with zero integration.
An independent assurance overlay — signals and recomputed evidence for the REs’ own decisions. AssureLocker does not lend, decide classifications, or replace either RE’s systems of record.