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Due Diligence
New Originations

Newly originated loans require in-depth analysis to ensure potential risks have been properly addressed in the origination process and that all guideline requirements have been met. A failure to meet regulatory requirements and/or meet investor guidelines can cause expensive errors that can be detrimental to your business and your industry relationships.

A non-biased third party review can help you alleviate some of the natural conflicts of interest between sales and underwriting and ensure a detailed and compliant review while also providing a variable cost infrastructure to help you manage the ebbs-and-flows of the market. This type of review has become even more relevant with the implementation of Qualified Mortgage and Ability to Repay standards.

AMC has the ability to tailor reviews to help clients control risks for their flow or bulk originations regardless of channel. Our reviews typically include regulatory compliance, guideline adherence, data quality, valuation integrity and completeness of documentation.

Find out what AMC can do for you

Review Types:

New Originations
Regulatory Compliance
Credit
Data Integrity
Property Valuation Review
Document Inventory / Document Sufficiency Review
Sample Selection
Quality Control
Professional Services / Staffing / Outsourcing / Recruiting
Collateral Review
Jumbo Loan Review
Component Servicing

Securitization
Pre and post securitization reviews according to rating agency guidelines

Whole Loan Portfolios / Purchases
For bulk or flow purchases

MSR Loan Diligence

MSR Pricing

NPA Review
For bulk or flow purchases

Reverse Mortgages/ HECM

Collateral Review

Indexing

Warehouse Line Review
Accurate assessment of risks that may be associated with financing

Forensic / Repurchase Review
Repurchase defense for banks and originators

Additional Asset Review
Solutions to aid in acquisition


Regulatory Compliance

AMC performs loan level Regulatory Compliance reviews to determine whether a loan complies with Federal, State, County, Local High Cost and Anti-Predatory Laws utilizing AMC's proprietary Compliance and Underwriting system (TIGRE).

Our proprietary system is updated continuously by our internal compliance department in consultation with leading regulatory legal counsel. These updates include a robust review of the Qualified Mortgage and Ability to Repay requirements, as well as other regulatory changes related to rules promulgated by the Consumer Financial Protection Bureau which take effect in 2014 and beyond.

Annually, our compliance engine is reviewed and approved by industry leading outside legal counsel to ensure the accuracy of your results.

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Credit

AMC's credit review can be customized to fit individual client needs but generally focuses on the borrower's ability and willingness to pay as well as adherence to origination guidelines.

The borrower's income and assets are analyzed to determine if there is sufficient support for the loan and their other obligations (ability).

Additionally, AMC will review the borrower's credit to determine if their past history reflects a sense of integrity regarding debt repayment (willingness).

When applicable, a review of the files to the Automated Underwriting System output within the file will also be performed.

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Data Integrity

In order to provide an independent third party assessment of data quality, AMC offers data integrity services against a number of sources including: Loan Origination System (LOS) data, whole loan seller data, securitization data, and any other source desired by our clients.

During the course of these reviews, AMC will compare the relevant data fields provided by the client to the data found in the actual file as captured by AMC's experienced review team.

All material discrepancies will be noted and reported back to the client.

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Property Valuation Review

Understanding the value of the underlying collateral and the quality of the valuation product that you've ordered is an important part of the diligence process and essential to the successful acquisition and/or management of your portfolio.

AMC can help facilitate the valuation review process by working with your existing vendors and incorporating their findings into our due diligence results. Valuation solutions that are typically incorporated into results include (i) Automated Valuation Model (AVM) Values, (ii) Broker's Price Opinion (BPO), (iii) Appraisals, or (iv) Full Desk Appraisal Review.

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Document Inventory / Document Sufficiency Review

AMC will review loan files to verify whether pertinent documents are included and if the data on the documents is consistent and logical. This review is highly customizable and dependent on which documents the client is interested in locating as well as their ultimate portfolio, disposition, or exit strategy.

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Sample Selection

Choosing an accurate sample for loan file reviews is an important step in any review process. AMC has the expertise to determine the best set of loans for your review. Whether it is to achieve a statistically significant sample, adversely select loans from a large portfolio for a targeted review, understand risk layering in a portfolio, or select loans for quality control to Fannie Mae or Freddie Mac requirements, the appropriate staff and systems can be found at AMC.

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Quality Control

AMC's Quality Control (QC) service offering helps clients monitor, audit, and evaluate the investment quality of their originations. Our review also allows clients to demonstrate to its investors and auditors that they are adhering to Agency or FHA requirements and to attest to the accuracy of the data integrity.

Service offerings include sample selection, re-verifications, credit, compliance, appraisal reviews, and trending analysis.

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Professional Services / Staffing / Outsourcing / Recruiting

Managing the ebbs and flows of the mortgage business can be a challenging task. Often short-term fluctuations in volume and/or internal projects may create a need for additional mortgage or servicing professionals on a temporary basis. AMC offers professional service solutions to aid clients with both full-time and part-time personnel needs through our pre-screened and background checked database of nationwide mortgage professionals.

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Collateral Review

A collateral review is an integral part of the sale, acquisition and servicing of loan assets. AMC's experienced mortgage professionals will review the loan file for the presence, completeness and accuracy of the legal documentation in the loan files through our customizable reviews.

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Jumbo Loan Review

The jumbo loan market poses unique challenges in the re-calculation of income and reserves to verify that guideline parameters are being met. AMC's staff and systems allow for the use industry leading techniques to be used in the review of jumbo loans. Via AMC's automated income worksheet we can ensure that the income calculations for each loan reviewed are both consistent and accurate.

AMC has systems in place to track the potential variance between multiple valuation products and the expertise to help verify that the stated value of the property is supports the loan amount.

Our system can acclomdate the unique guideline requirements that accompany a jumbo loan review and ensure that the loans you are buying or selling meet the stated requirements.

Our underwriters review hundreds of jumbo loans each month and are familiar with all the challenges this product presents.

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Component Servicing

AMC can work with you to develop contact campaigns and facilitate the implementation of loan modifications and other work out options including document collection, pre-qualification, underwriting, and modification agreement preparation and fulfillment based on the borrower's best case scenario and in-line with all applicable rules, regulations, and guidelines.

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AMC clients include

Mortgage Originators Asset Backed Originators Banks Servicers Hedge Funds Insurers REITs RMBS Issuers Asset Backed Issuers Warehouse Lenders Law Firms
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