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Compliance Solutions - Complete List!
Advertising and Marketing Compliance
Individual or bulk reviews of advertisements and marketing campaigns.
- Mortgage Acts and Practices – Regulation N (MAP)
- TILA – Regulation Z
- RESPA – Regulation X
- ECOA – Regulation B
- SAFE Act – Regulations G & H
- Reverse Mortgages
- Portfolio Products
- Applicable State Laws
Comprehensive compilation and submitting of these applications:
- Fannie Mae Seller/Servicer
- Freddie Mac Seller/Servicer
- Ginnie Mae Issuer.
Audits & Reviews
We offer a full suite of cost-effective regulatory compliance audits and reviews.
Business Continuity Compliance
Business Continuity Audits and Plans.
We offer a Business Continuity Audits and Plan to fit your needs and budget.
As a critical and necessary policy and procedure, you must be able to identify, mitigate, manage, and restore potential or actual interrupted business services. Risks of not having a targeted business continuity audits or a BCP include, but are not limited to, regulatory risk, legal risk, credit risk, strategic risk, and operational risk. Every BCP should also contain a pandemic response. Most recently, the COVID-19 Pandemic Response must be added to the business continuity initiatives.
We coordinate the process of qualifying to conduct business in each state, acquiring name or assumed name approval, appointing Resident Agents, obtaining the necessary Surety Bonds for licensing, and completing the license application itself. Our licensing group is trained to handle all licensing involved, including renewals, mergers, acquisitions, home/branch address, FHA/VA, and principal ownership change.
Policies and Procedures
Auditors evaluate each sampled loan file to determine whether the file meets applicable agency and program guidelines including, but not limited to: Fannie Mae, Freddie Mac, FHA, VA, USDA/RHS, FHLB, HECM, HELOCs, Portfolio.
Internal auditing is an independent, objective assurance and consulting activity designed to add value and improve an organization’s operations. It helps an organization accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control, and governance processes.
- Internal Audits, known by regulators as Third Line of Defense.
- Internal Audit Scope: Comprehensive within Compliance Management System.
- Our Internal Audit:
- Full business, GSE-compliant, compliance review
- End-to-end evaluation from these levels:
- Third-parties, and
- Identify potential risks and violations
- Offer opportunity to remediate
- Provide guidance to mitigate risk
- Reveal risk profile
- Risk Rating