Login Failed
Username Password
Login
Due Diligence
Whole Loan Portfolio / Purchases

AMC has a variety of solutions to meet the needs of today's whole loan buyers.

Whether you are purchasing on a flow basis or in bulk and regardless of asset performance (performing, re-performing, modified, non-performing, etc.), AMC can aid you in your acquisition process to ensure the best execution on your asset acquisition.

Find out what AMC can do for you

Review Types:

Whole Loan Portfolios / Purchases
Regulatory Compliance
Credit
Data Integrity
Property Valuation Review
Document Inventory / Document Sufficiency Review
Sample Selection
Portfolio Analysis
Servicer Comments
Pay Histories
Collateral Review
Jumbo Loan Review
Tax & Title Review
Modification Review
Foreclosure Review

New Originations
Pre and post securitization reviews according to rating agency guidelines

Securitization
Pre and post securitization reviews according to rating agency guidelines

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.

Request Additional Information

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.

Request Additional Information

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.

Request Additional Information

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.

Request Additional Information

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.

Request Additional Information

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.

Request Additional Information

Portfolio Analysis

AMC analyzes clients' whole loan and securitization portfolios to determine (i) exposure resulting from incoming repurchase demands, (ii) assist in the creation of defense strategies, and (iii) create risk management and/or asset management strategies. Let us put our expertise from working with some of the world's largest financial institutions to work for you by performing a proactive review of your entire portfolio. AMC can perform the sample selection, note portfolio trends, review for document sufficiency as well as data integrity, perform a full re-underwrite on loan, and/or create disposition strategies.

Request Additional Information

Servicer Comments / Collection Comments

Validation of servicing history and loan activity is essential to successful asset management. Often, data alone cannot capture all critical information that may be detrimental to an asset and a more forensic review of the loan is required. AMC's team of subject matter experts are skilled in conducting detailed reviews of servicer comments to capture otherwise undisclosed facts such as, but not limited to, (i) information related to title issues, (ii) bankruptcy filings, (iii) loss mitigation, (iv) foreclosure, (v) litigation , (vi) delays in processing, and (vii) discrepancies in data integrity. Whether you are pricing, purchasing, or servicing loans, AMC can provide your organization with a higher level of detail to protect your interests and facilitate smooth transaction management.

Request Additional Information

Pay Histories

To aid in the projection of loan disposition strategies, cash flow is closely examined to provide insight to loan performance and assess the willingness and ability of the borrower to repay the mortgage. AMC reviews payment history to determine accuracy in cash flow, escrow management, corporate advances and suspense balances. Additional services are customizable based on your needs and can include fee validation, invoice accuracy, pending advances, etc.

Request Additional Information

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.

Request Additional Information

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.

Request Additional Information

Tax & Title Review

Before buying non-performing or re-performing assets it is important to identify potential risk areas which will impact the underlying economics of your portfolio. Being placed in a subordinate lien position or having excessive liens on the property can have a large impact on asset pricing. To help you better quantify existing risks, AMC staff can review title and tax reports and identify liens that can negatively impact the purchase of distressed loans. Through relationships with preferred vendors, AMC can order and trackthe receipt of searches on your portfolio or use searches provided by you to achieve the same end.

Request Additional Information

Modification Review

With loss mitigation activities at the forefront of improvement initiatives, servicers/sub servicers are under close scrutiny to enhance performance in borrower outreach. AMC specialists assess completed modifications to ensure alignment with state and federal regulations as well as investor requirements. The modification review process includes detailed examination and confirmation of the accuracy of outreach attempts, documentation fulfillment, application processing, qualification and underwriting. With customized strategies to meet your specific needs, AMC can be your partner in mitigating borrower outreach risk.

Request Additional Information

Foreclosure Review

Foreclosure processing including timeline management is a large area of potential risk for both a servicer and an investor. Properly managing to mandated timelines can help your servicing operation avoid costly compensatory fees and/or cost overruns. To aid servicers, AMC provides in-depth foreclosure reviews for all US states focusing on reviewing foreclosure timeline and ensuring compliance with federal regulations, investor guidelines, and industry best practices. Our reviews will help identify any other potential losses, risks, or exposure. The timeline review will also include analysis of the effects of local legislation, bankruptcy, loss mitigation, and litigation. AMC will be instrumental in identifying trends, recommending improvements, and can suggest alternatives for eminently failing timelines. Reviews can be completed remotely or on-site as required and determined based on your needs.

Request Additional Information

AMC clients include

Mortgage Originators Asset Backed Originators Banks Servicers Hedge Funds Insurers REITs RMBS Issuers Asset Backed Issuers Warehouse Lenders Law Firms
Home   |   Due Diligence   |   Consulting   |   Quality Control   |   DynAMC Solutions   |   Compliance   |   Clients   |   About Us   |   News   |   Careers   |   Contact Us   |   Privacy Policy   |   Terms of Use   |   Sitemap   |   Google+