#postcloseqc

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Mortgage Due Diligence(4) by Infinity Ips Via Flickr: Comprehensive Mortgage Due Diligence Results Designed for our Clients Success. infinity-data.com/about-us/

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Mortgage Due Diligence Reviews

Infinity IPS is an approved S and P RMBS third party reviews provider and meets the RMBS third party due diligence standards of Fitch, Moody’s, DBRS and Kroll Bond Ratings. With state-of-the-art technology hosted in a SOC 2 SOC 3 compliant environment, Infinity provides in-depth findings and a comprehensive loan narrative in the reporting process.

Through quality auditing and sophisticated data analytical tools, we provide a a thorough review of credit characteristics, collateral, regulatory compliance, data analytics, and servicing information to assist in determining the quality of the asset pool.

 We perform loan level regulatory compliance audit reviews to determine whether loans comply with all federal, state, county, and local statutes. Our system provides testing for the Consumer Financial Protection Bureau’s (CRPB) Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule that took effect in 2014; the TILA/RESPA Integrated Disclosure (TRID) Rule that took effect as of October 5, 2015 and the subsequent revisions as outlined in TRID 2.0 

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Pre-Funding QC

Pre-Funding QC is done to identify issues with a pending loan transaction that need to be cured prior to closing. We at Infinity understand that the timing for such review is critical, and we offer 24 to 48-hour turnaround time for the completion and return of audit results.

Our Pre-Funding QC Process includes:

Analysis of income and debt to ensure that underwriting calculations are accurate A complete underwriting review to credit guidelines Analysis and identification of any investor specific over lays

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In anticipation of the return of non-agency securitization, Infinity IPS has invested significantly in our resources and infrastructure to ensure our service offerings satisfy all the new regulations and prepare our clients for the increased regulations. https://infinity-data.com/services/mortgage-due-diligence/

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Infinity IPS provide a customized review of loan terms and loan documentation based upon the specific requirements of each client.

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Through quality auditing and sophisticated data analytical tools, we provide a thorough review of credit characteristics, collateral, regulatory compliance, data analytics and servicing information to assist in determining the quality of the asset pool.

https://infinity-data.com/services/mortgage-due-diligence/

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We review borrowers’ credit and income to determine the ability and willingness to repay based on provided documentation pursuant to guidelines that the loans were underwritten to. Properties (collateral) are reviewed by appraisal and other valuation documentation in file.

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Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage credit and compliance due diligence pre-fund and post-close quality control and mortgage servicing reviews. Services include valuation, risk management and specialized staffing and advisory assistance.

https://infinity-data.com/services/mortgage-due-diligence/

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Infinity IPS is an approved S and P RMBS third party review provider and our pre-securitization reviews meet the standards of Fitch Ratings, Inc. Moody’s Investors Service, Inc., 

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Our consultative approach has afforded us the experience of evaluating tens of thousands of loans, according to hundreds of unique objectives. Our meticulous inspection reaches deep into each loan file. We seek out not only errors and flaws, but also inconsistencies in the information and data contained in each file. Many times, challenges lie beneath the initial layer of discovery. We have the expertise to locate and identify them.

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Infinity is a full services Mortgage Due Diligence, Pre Post Close QC, Tax/Title and support services firm providing services to Investment Banks, Originators, Mortgage Companies, Government Agencies, Hedge Funds and Real Estate Investment Trusts. 

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At The Infinity IPS, we adopt careful consideration of each client’s goals, processes, risk tolerances and long term plans when developing due diligence programs. This customization is what assures our clients of optimal results, within their allotted budgets and time frames.

https://infinity-data.com/leadership-team/

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Post Close QC

Using Infinity’s sophisticated audit software, our auditors will determine whether a loan meets all applicable guidelines including those set forth by Fannie Mac, Freddie Mac, FHA, VA, USDA, FHLB or a private investor.

Typical audits will include:

Random and targeted file selection using statistical, fixed and discretionary protocols

File documentation review

Compliance review

Underwriting review

Appraisal desk review

Re-verification of file documents generated by third-parties

Data integrity review

Obtaining a field appraisal review, as applicable 

Summarized findings into a credit risk analysis

Summary report for each audited loan file

Summary and detailed management reports will provide a comprehensive overview of all loans reviewed; with current and historical trends analysis.

https://infinity-data.com/services/loan-qc/

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When investing distressed assets, a detailed in-depth analysis is provided to make informed decisions. Infinity provides a thorough and comprehensive review to help support your buying decisions and management of distressed assets. https://infinity-data.com/services/mortgage-due-diligence/

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Re-performing loans require highly analytical mortgage due diligence to capitalize on investment opportunities. Our scalable audits include:

Regulatory compliance review

Servicing comments review

Payment history review

Data verification

Collateral review

Title review

https://infinity-data.com/services/loan-qc/

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Newly originated loans require in-depth analysis to ensure potential risks have been properly addressed in the origination process and that all guideline requirements have been met. A failure to meet regulatory requirements and / or meet investor guidelines can cause expensive errors that can be detrimental to your business and your industry relationships. https://infinity-data.com/services/mortgage-due-diligence/