Mortgage Due Diligence


Securitization Audit

Infinity is an approved S&P RMBS third party review 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 environment, Infinity provides in-depth findings and a comprehensive loan narrative for the reporting process.

Through Quality Auditing and sophisticated data analytical tools, Infinity will do a thorough review of regulatory compliance, data analytics, servicing files, delinquency analysis, borrower correspondence and many others in determining the hygiene of the asset pool.


Compliance Review

We perform loan level Regulatory Compliance audit reviews to determine whether a loan complies with all Federal, State, County, Local High Cost and Anti-Predatory Laws. Our system provides testing for the Consumer Financial Protection Bureau’s (CFPB) Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule that took effect in 2014 and the TILA / RESPA Integrated Disclosure (TRID) Rule that took effect as of October 5, 2015.


Compliance/Credit Review

We perform loan level Regulatory Compliance audit reviews, Credit review and Data Integrity. As part of this process we verify all Federal, State, County, Local High Cost and Anti-Predatory Laws. Our system provides testing for the Consumer Financial Protection Bureau’s (CFPB) Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule that took effect in 2014 and the TILA / RESPA Integrated Disclosure (TRID) Rule that took effect as of October 5, 2015.

We also review the borrowers credit to determine their ability and willingness to repay based on their past history as well as the guidelines that the loans were written to. Borrowers income is also reviewed to determine if there is sufficient information to support the loan and Ability-to-Repay.


Non-Performing “Distressed” Asset Review (NPL)

When investing seasoned assets, you need a detailed in-depth analysis to make informed decisions. Infinity provides a thorough and comprehensive review to help support your buying decisions and management of your distressed assets. Our scalable audits include:

Regulatory Compliance review
Servicing Comments review
Payment History review
Data Verification
Collateral review
Title review


Performing/ Re-performing Asset Review (RPL)

Infinity will audit loans per the applicable guidelines, we will perform a full compliance, payment history and/ or servicing comment review, if applicable. We also validate the current value of the underlying collateral, review any outstanding liens, if applicable, capture or validate all tape data. Performing loans need analytical mortgage due diligence audits to capitalize on investment opportunities. Our scalable audits include:

Regulatory Compliance review
Servicing Comments review
Payment History review
Data Verification
Collateral review
Title review


Jumbo Loan Reviews

We provide a detailed audit of the loans to ensure compliance, asset verification and property values meet the product guidelines. One area the Jumbo loans often provide unique challenges is in are the re-calculating of borrower’s income and income reserves to ensure all guidelines in underwriting were met.

Infinity has the system, process’ and expertise to ensure that the borrower’s income, the property valuation, and the loan amount are in-line to ensure that the loan purchase meets our client’s investment strategies.


New Originations Reviews

Whether it’s flow or bulk originations reviews, and conforming, QM, non-QM, Jumbo, etc., our reviews encompass all of the loan type attributes such as regulatory compliance, guideline adherence, data verification, valuation integrity and completeness of all mortgage file documentation to ensure that your risk in loan purchasing is covered.

Failure for originators to meet investors or regulatory guidelines can be costly to you, thus we help ensure you are protected from both a purchase standpoint as well as your ongoing industry relationships.


MSR Loan Reviews

When purchasing Mortgage Servicing Rights (MSR) on a flow or bulk basis, it is important to perform due diligence on all or a percentage of the files to determine the risk factors prior to boarding. Our review audits are designed based on the MSR loan types being purchased, and we have the expertise and flexibility to provide the right review for your MSR purchase needs.


Other Mortgage Solution Services

HMDA Data Reviews
CFPB Servicing Readiness Audits
Recording Services
Title Curative