Forensic Reviews & Repurchases
FACT Reviews
Our seasoned and skilled forensic review team conducts Forensic Audit and Contractual Terms ("FACT") Reviews for any under-performing or non-performing mortgage loans. These thorough reviews include:
- Credit review / re-underwriting
- Regulatory compliance review
- Appraisal / value
- Pay history and collection comments
- Fraud review
- Data integrity
- Loan sale and/or purchase agreement
The results of our FACT Review present a clear, unbiased picture, which we will then compared against the contractual terms. If there is a legitimate and material breach of the representations and warranties, we will supply the reason(s) for repurchase and, if needed, generate claim letters, negotiate recoveries, and manage the entire process to closure on your behalf.
Additional Review Services
Defend Repurchase Claims
Good loans can still go into default, and you should not have to support a loan's performance beyond your contractual obligations. Inglet Blair can utilize our FACT Review to identify and defend against frivolous repurchase claims. We can also provide you with a clear and concise rebuttal and, if necessary, handle the defense on your behalf.
Negotiate Repurchases or Settlements
If you are short-staffed or need some transactional assistance, Inglet Blair has a dedicated, experienced transactional services team that can review your inbound or outbound repurchase claims, provide a realistic assessment of the claims and help you negotiate a settlement. We free you from the potential of protracted legal battles and allow you to move forward.
We'll help you uncover the red flags.
Our services help you make better decisions on pricing portfolios while better understanding and managing risk. We consult with you to customize the scope of each review to meet your goals.