Mortgage Origination, Risk Management, Compliance, and Quality Control

• Quality Control and Compliance including sample strategy, defect rates, and dispositions
• Mortgage credit and underwriting policies
• Adherence to FHA policies and procedures
• Strategic counsel on business risk, business growth, and line of business focus
• Assess market attributes and assist in ensuring production risk strategies are consistent with corporate strategies
• Early buyout strategies for Ginnie Mae issuers
• Risk support services – credit risk, operational and compliance risk, model risk, set-up of functions (lines of reporting, employee support, reporting), risk governance

Mortgage Servicing (Forward and HECMs)

• Quality Control and Compliance
• Servicing policies and procedures review and gap analysis
• Capacity evaluation and planning
• Loss mitigation claims, investor reporting, and property disposition process review
• Sub-servicer compliance reviews
• Audit recommendations
• Change management

Mortgage Finance Legislative and Regulatory Guidance

• Engaging with overseers (HUD, Fannie Mae, Freddie Mac, CFPB)
• Reviewing policies to assess market impacts
• Drafting policies and recommendations for legislators and regulators in conjunction with industry stakeholders and leaders
• Supporting lenders/servicers with regulatory audits
• Change management

• Compliance with HUD programs, guidelines, and funding requirements
• Strategic thinking in dealings with HUD and HUD Inspector General
• Operational assistance
• Optimizing HUD plans for new and current HUD funding
• Identifying untapped funding opportunities for new projects
• Sharing of industry “best practices”
• Evaluating HUD programs for new opportunities and serving your business needs with efficient use of funding that optimizes benefits to the local community

• Our team can also serve as a liaison to state, local, and tribal governments, opening new doors through our knowledge of the process and policies and our long-standing relationships, helping our clients navigate affordable housing markets throughout the country.
  • Outreach to State, Local, and Tribal Governments and Public Housing Authorities
  • Identifying untapped funding opportunities for new projects
  • Understanding new and current HUD funding sources
  • Advising on industry best practices and IT modernization/integration
  • Leveraging relationships within the affordable housing industry to forge new partnerships
  • Providing actionable intelligence on affordable housing markets across the country, allowing clients to see around corners and understand the trends which affect enterprise value in the future

• Strategic counsel on HUD plans for new and current HUD funding to effectively and efficiently use grants for to optimize benefits to the local community
• Compliance with HUD disaster funding/grant guidelines and requirements
• Identifying untapped funding opportunities for new projects
• Understanding new and current HUD funding sources

• Expert perspective into GSE and HUD/FHA/Ginnie Mae credit and servicing policies, including whether originator/servicer policies and procedures comply
• Historical insights and knowledge of GSE and HUD home retention and loss mitigation processes
• Historical insights and knowledge of GSE and HUD policies, including those related to affordable housing, public housing, and programs affecting low- to moderate-income (LMI) borrowers and renters, elderly, and underserved communities