Mortgage Solutions

Manage your standard and custom content based on how you do business—ranging from fully outsourced, to a content management system, to the support of our technology and services for a completely in-sourced model.

Create e-disclosures that can be securely delivered to the applicant with outsourced paper fulfillment to meet mandatory Real Estate Settlement Procedures Act (RESPA) requirements.

Conduct early high and higher cost tests—checking each application against the Section 32 (HOEPA) and higher-priced mortgage thresholds to ensure that a loan meeting or exceeding the thresholds gets the appropriate level of review. Perform HMDA and CRA checks.

Utilize integrated identity verification and authentication tools to ensure comprehensive compliance with the USA PATRIOT Act and the Red Flags provisions of the Fair and Accurate Credit Transaction Act (FACT Act).

Create compliant and warranted content with integrated compliance checks, including fair lending review and state and federal anti-predatory reviews.

Assemble and create warranted closing packages and deliver them securely and electronically for prompt turnaround using e-signature capability.

Perform integrated compliance checks for high cost loans to ensure that loan terms and fees are in compliance with state and federal guidelines. Acquire flood certifications and automated valuation model (AVM), title, credit and appraisal services from a single source.

Ensure completion of your reporting and management requirements with analytics reporting, risk analysis, compliant content, secure electronic delivery, and more. Generate CRA management reports. Perform custom edit checks and geocode files. Identify potential fair lending risk with programmatic file review and regression analysis and immediately take corrective action to remedy unfair lending practices.

Manage and maintain your customer data and accounts effectively and get the support needed to execute your loss mitigation strategy. Ensure continued compliance with BSA/AML and FACT Act Red Flags regulations.

Securely deliver compliant investor-specific mortgage documentation with confidence.