Loan Servicing

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Accurate and Reliable Mortgage Due Diligence for Loan Servicing

In today’s regulatory environment, a rigorous mortgage due diligence and quality control (QC) audit process is crucial for servicers to meet compliance standards. With the rise in government-related originations, performing thorough QC audits is more important than ever. At Inglet Blair, our QC services ensure your loan servicing operations align with all FHA/VA and GSE requirements. We provide customized QC audits based on your loan type and quality control plan to guarantee full compliance. Our services cover a wide range of mortgage servicing procedures, including:

  • Borrower account audits, fees, and charges
  • Payoff and pre-payment processing
  • Transfer and boarding of servicing
  • ARM loan adjustments
  • Collection policies and procedures
  • Default reporting and processing
  • Modifications and assumptions
  • Short sale and review processes
  • Bankruptcy, foreclosure, and deed-in-lieu management
  • Property preservation and inspection procedures
  • Claims and conveyance reviews

Mortgage Due Diligence for Loan Servicing

Loan Modification and Mortgage Due Diligence

Whether you require assistance with just one aspect or the entire loan modification process, Inglet Blair’s mortgage due diligence services offer a seamless solution. Our team has the expertise, technology, and industry knowledge to manage all stages of the loan modification process, including:

  • Borrower credit evaluation
  • Re-calculating loan terms and re-capitalizing payments
  • Document preparation and QC reviews for accuracy
  • Engaging with and managing a dedicated call center
  • Coordinating notary services
  • Shipping modification documents and tracking execution
  • Delivering new loan term data to the servicer

Mortgage Insurance Claims and Due Diligence

Mortgage insurance claims often result in denials due to minor or questionable reasons. Inglet Blair can help you navigate the complex mortgage insurance claims process. Our team will thoroughly review your loan files and insurance claims, ensuring all documentation is accurate and complete to minimize the risk of claim denial. We can also assist with denied claims by reviewing each case, re-submitting with appropriate documentation, and managing rebuttals to recover your claims.

Data Integrity and Mortgage Due Diligence

Accurate and complete data is the foundation of successful mortgage servicing operations. Inglet Blair provides robust data integrity services that compare the data elements in each loan file to your internal systems or provided data tapes. Our team uses a comprehensive data management system to validate and ensure the accuracy of all information. Any discrepancies are flagged and reported, enabling you to correct errors promptly and maintain data integrity across your portfolio.

Mortgage Due Diligence Reporting for Loan Servicing

Our mortgage due diligence services include customized reporting to track the effectiveness of your servicing processes. By leveraging the appropriate QC plan, we provide detailed, quantifiable reports that highlight areas of improvement and operational deficiencies. These reports will serve as tools to close the feedback loop, helping you implement necessary changes and track progress toward achieving a best-in-class loan servicing operation. We also offer ongoing evaluations to ensure your servicing operations continue to meet compliance and quality standards.

Customized Mortgage Due Diligence Solutions for Loan Servicers

At Inglet Blair, we tailor our mortgage due diligence services to meet your specific needs, helping you improve the efficiency and accuracy of your loan servicing operations. Our expertise ensures that all areas of your servicing portfolio are reviewed thoroughly, mitigating risk and enhancing compliance. We are committed to helping you uncover red flags early, empowering you to make informed decisions that protect your investments and improve overall performance.

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