Advisory Services

Originator Operational Reviews

Infinity conducts reviews of originators processes, policies and procedures to support them with the regulatory and investor elements of mortgage lending. Infinity also assists new originators to create relevant policies and procedures to meet industry practices and adhere to federal guidelines. We can assess internal originator efficiencies and provide valuable insight into loan origination operations.

GSE Seller Mock Audits

If you are looking to become a seller to the GSE’s, Infinity can help you establish relevant policies and procedures to meet GSE requirements. Infinity also assists in setting up relevant agency required quality control measures, recommend processes, and assist in evaluating underwriting and credit guidelines.

MSR Sales and Acquisition Reviews

If you own MSR’s and are seeking to sell or purchase additional assets, Infinity can help you mitigate risks and give you an in-depth perspective to make an informed business decision. Infinity will review:

  • Servicing and delinquency advance reconciliations
  • Vendor payment reconciliations
  • Custodial account reconciliations
  • Compliance with Purchase and Sale Agreements
  • Investor Reporting review and analysis
  • Selected mortgage loans

Default Reviews

  • Modifications
  • Liquidations
  • Foreclosure and Bankruptcy practices
  • Compliance
  • Repurchase risk analysis

Servicer Operational Reviews

Infinity’s surveillance begins with determining sample size and population of loans for review. Loan reviews can be performed on a statistically relevant sample of loans to identify risk across the broader population. Another approach is utilizing an adverse selection process, using loan-level data points to identify those loans with the highest risk factors. Infinity provides recommendations for the sampling factors based on our understanding of high-risk characteristics.

Infinity will also perform targeted reviews of various aspects of servicing that align with corporate objectives, government regulations and investor mandates. Using these resources, and in cooperation with the client, Infinity can create comprehensive audit testing scripts to defined samples of loans. Servicing audits will encompass loan boarding, loss mitigation, bankruptcy, loan modification processing, REO and investor reporting functions. Infinity will:

  • Develop policies and procedures related to Master Servicer or Servicer oversight of servicers and sub-servicers for Agency and private investor servicing
  • Conduct annual onsite reviews and exception follow up as requested
  • Policy/Procedure/Compliance reviews
  • Reporting validation
  • Loan-level testing
  • Cash flow validation
  • Custodial/cash account reconciliation review
  • Operational management and staff interviews; process walkthroughs