Services

• Mortgage Origination

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    Processing

    1. Loan setup/Indexing
    2. Disclosure/Re disclosure
    3. Ordering documents (VVOE/Appraisal /Title /Credit report/Mavent/Tax transcripts..etc.)
    4. Run AUS and fraud tool
    5. Income calculation
    6. Title review and disposition file to clear to close
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    Underwriting

    1. Credit evaluation
    2. Income Calculation
    3. Collateral (Appraisal, Title docs, purchase contract, PMI) evaluation
    4. Asset evaluation
    5. Approval or Rejection based on guidelines
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    Doc Pre Closing

    1. Closing Disclosure prep/review
    2. Change in circumstance (COC)
    3. Hazard/Flood Insurance review
    4. Conditions modification and sign off
    5. Scheduling of closing
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    Funding

    1. Wiring review and finalization
    2. Follow up with settlement agents for missing closing package files
    3. Escrow setup
    4. Closing package prep
    5. Funding & wires
    6. HMDA review
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    Post-closing

    1. Settlement review
    2. Trailing docs
    3. Lien Release and Transfer
    4. Govt Insuring
    5. TRID review
    6. Post-closing Audit
    7. Deed recording
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    Secondary Marketing

    1. Investor audit (Underwriting)
    2. Re-purchase review
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    Due diligence review

    1. Prefund QC
    2. Post close QC
    3. EPD QC
    4. Denial/Adverse QC
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    Forensic review

• Title & Settlement Services

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    Title Searches

    1. Current Owner Search
    2. Two Owner Search
    3. Full Search
    4. Lien and Assignment Search
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    Document Reviews

    1. Legal and Vesting
    2. Deed and Mortgage
    3. Liens and Judgement
    4. Title Commitment and policies
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    Property Reports

    1. Property Tax Reports
    2. Municipal Lien Searches
    3. Ownership and Encumbrance

• Mortgage Servicing

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    Core Servicing

    1. Loan boarding
    2. Lien release and payoff
    3. ESCROW
       • Escrow analysis
       • Tax services
       • Insurance service
    4. PMI
       • Policy monitoring
       • Loss claim
       • Loss analysis
       • Repurchase
    5. Customer support
       • Name/address change
       • Credit reporting Dispute resolution
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    Default Servicing

    1. Loss mitigation
    2. Bankruptcy
       • Bankruptcy setup and Removals
       • Proof of claim filling
       • MFR review/filling
    3. Foreclosure
       • Foreclosure doc prep
       • Foreclosure referrals
       • Pre foreclosure audit
       • Judgement
       • Sale & Post sale
       • Foreclosure timeline monitoring and audit
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    Other Functions

    1. Property preservation
    2. Photo QC
    3. Credit reporting
    4. Eviction

• US Insurance & Accounting Services

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    Accounting Services

    1. Accounts payable/Receivable
    2. General ledger
    3. Invoice and Billing processing
    4. Reconciliation
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    US Insurance (Health/P&C)

    1. Enrolment
    2. Policy Creation and Issuance
    3. Premium Billing and Payments
    4. Claims Processing
    5. Customer Service and Member Support