Securitization Loan Reviews

Infinity is an approved S&P RMBS third party review provider and meets the RMBS third party due diligence standards of Fitch, Moody’s, DBRS Morningstar and Kroll Bond Ratings. With state-of-the-art technology hosted in a SOC 2 SOC 3 compliant environment, Infinity provides in-depth findings and a comprehensive loan narrative in the reporting process.

Through quality auditing and sophisticated data analytical tools, we provide a thorough review of credit characteristics, collateral, regulatory compliance, data analytics, and servicing information to assist in determining the quality of the asset pool.

Compliance Reviews

We perform loan level regulatory compliance audit reviews to determine whether loans comply with all federal, state, county, and local statutes. Our system provides testing for the Consumer Financial Protection Bureau’s (CFPB) Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule that took effect in 2014; the TILA/RESPA Integrated Disclosure (TRID) Rule that took effect as of October 5, 2015 and the subsequent revisions as outlined in TRID 2.0.

Credit and Collateral Reviews

We review borrowers’ credit and income to determine the ability and willingness to repay based on provided documentation pursuant to guidelines that the loans were underwritten to. Properties (collateral) are reviewed by appraisal and other valuation documentation in file.

Non-Performing “Distressed” Asset Review (NPL)

When investing distressed assets, a detailed in-depth analysis is provided to make informed decisions. Infinity provides a thorough and comprehensive review to help support your buying decisions and management of distressed assets. Our scalable audits include:

Regulatory compliance review

Servicing comments review

Payment history review

Data verification

Collateral review

Title review

Performing/ Re-performing Asset Review (RPL)

Infinity will audit loans per client guidelines, performing a full compliance, payment history and/or servicing comment review, as requested. We will validate the current value of the underlying collateral, review any outstanding liens, and capture or validate all tape data. Re-performing loans require highly analytical mortgage due diligence to capitalize on investment opportunities. Our scalable audits include:

Regulatory compliance review

Servicing comments review

Payment history review

Data verification

Collateral review

Title review

New Originations Reviews

Whether retail or purchased originations, our reviews of conforming, QM, non-QM, and jumbo, loans encompass all attributes: regulatory compliance, guideline adherence, data verification, valuation integrity and completeness of all mortgage file documentation to ensure that your loan purchase risk is covered.

Failure of originators to meet investors or regulatory guidelines can be costly to you, thus we assist in ensuring you are protected; from both a purchase standpoint as well as your industry relationships.

MSR Loan Reviews

When purchasing Mortgage Servicing Rights (MSR) on a flow or bulk basis, it is important to perform due diligence on all or a percentage of the files to determine the risk factors prior to boarding. Our review audits are designed based on the MSR loan types being purchased, and we have the expertise and flexibility to provide the right review for your MSR purchase needs.

Other Mortgage Solution Services

HMDA Data Reviews

CFPB, OCC and other regulatory review readiness assistance

Recording services

Title curative