The first mortgage risk management firm in the United States devoted exclusively to residential mortgage compliance.

Our professionals and support staff have extensive experience in all areas of residential mortgage loan originations.

MORTGAGE COMPLIANCE

Advertising & Marketing: Federal and State Guidelines

Affiliated Business Arrangements: Reviews, Agreements, Audits

Annual and Quarterly Reports: Reviews, Process, Maintain

Anti-Predatory Lending: Audits, Policies, Procedures

Bank Secrecy Act and Anti-Money Laundering Reviews

Business Continuity Policy and Procedures

Branch Activations and Terminations: Procedures

Business Models: Policies, Procedures, Agreements

Closing and Funding: Procedures

Co-Brokerage Affiliations: Procedures, Agreements

Community Reinvestment Act (CRA): Audits, Policies, Procedures

Customer Information Program (CIP)

Default Reviews: Audits, Legal Remedies

Delinquencies, Repurchases and Foreclosures: Audits, Legal Remedies

Disclosures (Federal and State)

Due Diligence and Quality Assurance Reviews

Early Payment Defaults: Audits, Legal Remedies

Expert Witness Engagements

Fannie/Freddie - Seller/Servicer Applications

FDCPA – Reviews and Procedures

Federal Agency Audits and State Banking Examinations

Ginnie Mae Issuer Applications

High Cost Loans and Subprime: Audits, Policies, Procedures

HMDA: Audits, Policies, Procedures

HUD/FHA and VA Guidelines

Identity Theft Prevention Program

Lender / Broker Relationships: Policies, Procedures, Agreements

Lender Service Agreements: RESPA Compliance

Licensing: Mortgage Bankers and Mortgage Brokers (Nationwide)

Loan Level Analytics: All Regulations and Disclosures

Loan Level Compliance Reviews

Loss Mitigation and Loan Modification Procedures

Market Service Agreements: RESPA Compliance

Mortgage Fraud: Audits, Legal Remedies

Mortgage Quality Control Audits

Non-Traditional Mortgages: Policies, Procedures, Audits

Originating, Operations, Processing, and Underwriting: Procedures

Pipeline Management: Procedures

Privacy and GLBA Guidelines

Policies and Procedures

Quality Assurance Reviews

RESPA-Compatible Affiliation Agreements

SARBOX: Part 404 Support

Secondary Market: Policies and Procedures

Section 32 Loans: Audits, Policies, Procedures

Servicing and Interim Servicing: Procedures

Shipping and Delivery: Procedures

State Banking Department Audits and Examinations

State Banking License Applications and Renewals

State Loan Officer License Applications and Renewals

Training: Regulations, Guidelines, Loan Originator Courses

Website: Regulatory Compliance Reviews



Advertising & Marketing: Federal and State Guidelines 

Affiliated Business Arrangements: Reviews, Agreements, Audits

Annual and Quarterly Reports: Reviews, Process, Maintain

Anti-Predatory Lending: Audits, Policies, Procedures

Bank Secrecy Act and Anti-Money Laundering Reviews

Business Continuity Policy and Procedures 

Branch Activations and Terminations: Procedures

Business Models: Policies, Procedures, Agreements

Closing and Funding: Procedures

Co-Brokerage Affiliations: Procedures, Agreements



 Community Reinvestment Act (CRA): Audits, Policies, Procedures

 Customer Information Program (CIP)

 Delinquencies, Repurchases and Foreclosures: Audits, Legal Remedies, Default Reviews

 Disclosures (Federal and State)

 Due Diligence and Quality Assurance Reviews

 Early Payment Defaults: Audits, Legal Remedies

 Expert Witness Engagements

 FDCPA – Reviews and Procedures

 Federal Agency Audits and State Banking Examinations

 High Cost Loans and Subprime: Audits, Policies, Procedures

 HMDA: Audits, Policies, Procedures

 HUD/FHA and VA Guidelines

 Identity Theft Prevention Program

 Lender / Broker Relationships: Policies, Procedures, Agreements

 Lender Service Agreements: RESPA Compliance

 Licensing: Mortgage Bankers and Mortgage Brokers (Nationwide)

 Loan Level Analytics: All Regulations and Disclosures

 
Loan Level Compliance Reviews

RESPA
TILA
HMDA
HOEPA


 Loss Mitigation and Loan Modification Procedures

 Market Service Agreements: RESPA Compliance


 Mortgage Fraud: Audits, Legal Remedies

 Mortgage Quality Control Audits

 Non-Traditional Mortgages: Policies, Procedures, Audits

 Originating, Operations, Processing, and Underwriting: Procedures

 Pipeline Management: Procedures

 Privacy and GLBA Guidelines

Policies and Procedures

CAN-SPAM
Consumer Complaints
Consumer Information Disposal
Customer Information Program
Delinquency Collections
FCRA/FACTA Prescreening
Fair Lending
Identity Theft Prevention
Information Security Plan
Internet Security
Non-Traditional Mortgages
Quality Control
Record Retention
Right of Rescission
S.A.F.E Act
Telemarketing Rules
Licensing Compliance


 Quality Assurance Reviews

 RESPA-Compatible Affiliation Agreements

 SARBOX: Part 404 Support

 Secondary Market: Policies and Procedures

 Section 32 Loans: Audits, Policies, Procedures

 Servicing and Interim Servicing: Procedures

 Shipping and Delivery: Procedures

 State Banking Department Audits and Examinations

 State Banking License Applications and Renewals

 State Loan Officer License Applications and Renewals

 Training: Regulations, Guidelines, Loan Originator Courses

 Website: Regulatory Compliance Reviews