Securitization Review
Infinity is an approved Residential Mortgage Backed Securities (RMBS) Third-Party Review (TPR) provider by all major rating agencies. Leveraging state-of-the-art technology within a SOC 2 and SOC 3 compliant environment, we deliver in-depth findings and comprehensive loan narratives as part of our reporting process. Our robust review includes credit, collateral, regulatory compliance, servicing, and data analytics. Through rigorous quality auditing and advanced analytical tools, we help clients accurately assess the integrity and quality of their asset pools.
Compliance Review
We perform loan level regulatory compliance audit reviews to determine whether loans comply with all federal, state, county, and local statutes. This meticulous approach ensures that each loan meets the necessary compliance standards, thereby mitigating potential legal and financial risks. Our commitment to regulatory compliance helps our clients maintain integrity in their mortgage lending practices and supports informed decision-making throughout the loan lifecycle.
Credit Income and Collateral Review
We evaluate each borrower’s credit profile and income documentation to assess their ability and willingness to repay, in accordance with the underwriting guidelines applied at origination. Our collateral review includes a thorough analysis of appraisals and supporting valuation documents to ensure the property aligns with investor and regulatory standards.
New Originations Review
Whether retail or purchased originations, we conduct thorough reviews of Conforming, Jumbo, Non-QM, HELOC, and Closed-End Second Lien loans. Our process includes regulatory compliance, guideline adherence, data verification, valuation integrity, and complete mortgage file documentation—ensuring your loan purchase risk is fully mitigated.
NPL & RPL
Loan Reviews
Non-Performing Loan Review (NPL)
We provide detailed, in-depth analysis of asset pools to enable our clients to make informed investment decisions. Our team conducts thorough and comprehensive reviews to support clients’ purchase strategies and the effective management of distressed assets.
Our Non-Performing Loan (NPL) review scope includes:
- Regulatory compliance review
- Payment history analysis
- Servicing comment review
- Collateral assessment
- Title review
Performing / Re-Performing Loan (RPL) Review
We audit Re-Performing Loans (RPLs) in accordance with client-specific guidelines. Our review scope includes:
- Regulatory compliance evaluation
- Payment history and/or servicing comment analysis
- Collateral and title review
- Validation of current collateral value
- Identification of outstanding liens
- Capture and validation of all tape data
This thorough process ensures data accuracy and asset quality, supporting confident investment decisions.
Quality Control
Mortgage Loan Pre-Close Quality Control
We conduct thorough pre-close quality control reviews to ensure that each mortgage loan meets all underwriting guidelines, regulatory requirements, and investor standards before closing. Our process includes verifying borrower credit, income, and asset documentation; assessing appraisal and collateral accuracy; and confirming compliance with federal, state, and local regulations. By identifying and addressing potential issues prior to loan consummation, we help lenders mitigate risks, prevent costly post-closing corrections, and maintain the integrity of their loan portfolios.
Mortgage Loan Post-Close Quality Control
We perform comprehensive post-close quality control audits to ensure that funded mortgage loans comply with investor guidelines, regulatory requirements, and internal policies. Our audits encompass a thorough review of credit, income, asset documentation, appraisal accuracy, and closing disclosures. By identifying discrepancies and potential defects after closing, we help lenders mitigate repurchase risks, enhance loan quality, and maintain compliance with secondary market standards.
Loan Auditing
Scratch and Dent Asset Trade Assessment & Diligence
We provide specialized assessment and due diligence services for mortgage loan Scratch and Dent assets. Our reviews identify root causes of defects, evaluate compliance and credit issues, and assess collateral quality. This detailed analysis supports pricing accuracy, risk mitigation, and informed secondary market trading decisions.
Mortgage Loan Quality Assurance Audits
We conduct comprehensive Quality Assurance (QA) audits on mortgage loans to ensure compliance with underwriting guidelines, regulatory standards, and investor requirements. Our audits focus on credit, income, asset verification, collateral, and documentation accuracy—helping lenders identify and correct deficiencies, reduce repurchase risk, and maintain loan quality throughout the origination lifecycle.
Forensic Loan Audits (Repurchase and Litigation Defense)
We conduct detailed forensic loan audits to support repurchase claims, investor disputes, and litigation defense. Our reviews identify underwriting defects, misrepresentations, documentation errors, and compliance violations. By analyzing the loan file against applicable guidelines and regulations, we provide defensible findings to help clients respond to repurchase demands or legal challenges with clarity and confidence.
