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Qualified and Non-Qualified Mortgages

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Our Experts
Industry Insights
[space size=”50″][featuredbox type=”left” icon_badge=”circle-bordered” title=”Residential Re-Underwriting” dp_animation=”bounceIn” icon=”icon-home”]We provide quality re-underwriting capabilities for lenders to promote loan growth and success. Using our proprietary underwriting system, we detect hidden defects in non-qualified mortgages and qualified mortgages. Our residential underwriters have extensive experience and receive ongoing training through the Mortgage Bankers Association. We provide quality control plan development services, quality assurance, repurchase management and statistical sampling.[/featuredbox][featuredbox type=”left” icon_badge=”circle-bordered” title=”Commercial Underwriting” dp_animation=”bounceIn” icon=”icon-commerical-building”]Analytic Focus provides a quality outsourcing solution for lenders to promote loan growth and success in the commercial loan arena. Loan services include commercial underwriting in small business loans, lines of credit, term loans, receivables financing, inventory financing, or commercial real estate loans. Our core outsourcing solution is accompanied by portfolio analytics to evaluate and manage the risk inherent in your commercial loan portfolio. Our underwriters are certified by the American Bankers Association to underwrite commercial loans.[/featuredbox][space size=”50″]

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Residential Re-Underwriting

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Due Diligence

  • New Originations
  • Securitization
  • Whole Loan Portfolios / Purchases
  • Collateral Reviews
  • eDiscovery of Big Data
  • Forensic / Repurchase Review

Quality Control

Post-Closing Audits:

  • Conventional
  • Jumbo
  • Portfolio
  • Agency

 

Early Payment Default:

  • Underwriting Review
  • Trending
  • Reporting

Compliance

Non-Qualified Mortgages:

  • Ability to Repay
  • TRID
  • Analysis of Compensating Factors
  • Manual Underwrite
  • Forensic Portfolio Review

 

Qualified Mortgages:

  • Ability to Repay
  • Residual Income
  • Appendix Q
  • TRID

Statistical Sampling

  • Simple Random
  • Systematic Random
  • Stratified Random
  • Targeted
  • Discretionary
  • Sample Plan Development
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Commercial Underwriting

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Loan Underwriting

  • Application Reviews
  • Financial Ratio Analysis
  • Cash Flow Analysis
  • Financial Projections
  • Risk Assessment

Loan Stress Analytics

  • Statistical Sampling
  • Risk Measurement
  • Sensitivity Analysis
  • Real Estate Valuations
  • Risk Based Audits

Portfolio Management

  • Stress Testing
  • Risk Measurement
  • Correlated Risk
  • Product Demand Analysis
  • Revenue Channel Optimization