Residential Mortgage Due Diligence

Uncover Risk, Ensure Compliance, & Protect Investments

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Comprehensive Loan File Reviews

Residential Mortgage Due Diligence has been Inglet Blair’s core service since day one. We deliver full-scope reviews to confirm underwriting accuracy, highlight risk, and ensure compliance. Our standard review covers:

  • Credit Analysis
  • Regulatory Compliance Review
  • Fraud Detection
  • Fannie Mae Compliance
  • Legal Document Validation
  • Data Integrity Checks

We compare every data point against source documentation, using our proprietary system to validate information, flag discrepancies, and provide transparent reporting.

À La Carte Due Diligence Services

Credit Reviews

We review every credit factor that impacts a borrower's ability to repay. Our standard credit review covers:

  • Loan application accuracy
  • Appraisal valuation
  • Hazard, flood, and mortgage insurance coverage
  • Income and asset verification
  • Employment verification
  • Credit score and debt history analysis

Fraud Reviews

Fraud undermines trust and causes financial losses. We go beyond surface-level reviews by verifying:

  • Occupancy
  • Income and employment
  • Social Security number validity
  • Property valuation accuracy
  • Appraiser licensing and potential property flipping patterns

Compliance Reviews

Through a partnership with Mavent, we perform a dual-layer regulatory review process to ensure loans meet all applicable standards. Our compliance reviews include:

  • Federal laws (e.g., HOEPA, Section 32)
  • TILA / Reg Z calculations
  • RESPA disclosures
  • Predatory lending regulations
  • GSE-specific tests
  • Right of rescission validation
  • State-specific high-cost and prepayment penalty tests
  • Payment stream recalculations

Legal Document Reviews

Our detailed legal document review ensures loan documentation integrity and includes:

  • Notes and Riders
  • Mortgage Instruments and Assignments
  • Endorsements and Assignment Chains
  • Condominium/Co-Op and CEMA Documents
  • Title policy validation
  • Proper execution, notarization, and completeness
  • Discrepancy identification between documents and data records

Tailored Reporting and Actionable Insights

Throughout the review process, we provide clear, customized reporting to help you track progress and prioritize next steps:

Pool Summary Report: Overview of portfolio characteristics and review status.
Asset Summary Report: Detailed loan-level characteristics and defect listings.
Data Comparison Report: Discrepancies between submitted data and verified information.

Our Team of Experts

Every Inglet Blair due diligence review is led by a seasoned Lead Underwriter, supported by Quality Control Underwriters and an experienced Underwriting Team. Our process ensures: 

  • Lead Underwriters manage the overall engagement.
  • One Quality Control Underwriter oversees every three Underwriters.
  • Each Underwriter undergoes extensive proprietary training and must pass a rigorous certification exam.

Flexible Review Locations:
We can perform services at the seller's office, buyer's office, or a designated third-party site.

Partner with Inglet Blair

We'll help you uncover the red flags.
Our Residential Mortgage Due Diligence services help you make informed pricing decisions, identify and manage risk, and protect your mortgage investments. We work with you to customize the scope of each engagement to meet your specific goals.

Schedule a Consultation