Mortgage Due Diligence Loan Reviews
Our Service
Mortgage Due Diligence Loan Reviews
We specialize in Mortgage Due Diligence services, meticulously crafted to meet your specific needs with precision and efficiency. With over three decades of industry experience, our team of seasoned professionals guarantees reliability, thoroughness, and timely execution. Below is a brief overview of the services we offer:
1. Comprehensive Loan File Review: We offer reliance letters for an extensive range of loan programs, including Conforming, Jumbo, Non-QM, Scratch & Dent, NPL, RPL, DSCR Investment Properties, Mixed Use, and Mobile Homes. Our thorough review process involves scrutinizing origination files against seller guidelines and verifying key elements such as income, assets, DTI, employment, and occupancy status.
2. Regulatory Compliance Verification: We conduct a thorough verification of compliance with federal, state, and local regulations, ensuring that your mortgage portfolio fully adheres to all legal requirements.
3. Data to Tape Discrepancy Review: Our expert team performs comprehensive reviews to identify and resolve any discrepancies between the data and tape, ensuring the highest level of data integrity and accuracy.
4. QM/ATR Compliance Confirmation: We ensure strict adherence to Qualified Mortgage (QM) and Ability-to-Repay (ATR) standards, giving you the confidence that your loans are fully compliant with regulatory requirements.
5. Risk Identification and Fraud Detection: Our skilled professionals proactively identify hidden risks and detect potential fraud, empowering you to implement effective risk management strategies.
6. Exception Clearing and Tracking: We streamline the exception clearing process, carefully tracking progress to ensure deadlines are met while maintaining the highest quality standards.
7. Rating Agency Grading and Narrative Provision: We offer detailed grading, data, and narratives for Rating Agencies, ensuring clear and transparent communication with affiliates and business partners. Our comprehensive reports help streamline decision-making processes and enhance the credibility of your portfolio in the eyes of investors.