FHA Mortgage Compliance, FHA Quality Control, FHA Closed Loan Auditing,

FHA Approval Paperwork and FHA Quality Control Plans


  • Sonja has been doing Mortgage Compliance, Consulting, and File Auditing for the past 17 years.

  • She has over 47 years of mortgage experience including owning two mortgage lender companies.

  • Sonja has over 204 hours of continuing education since 2002.

  • Member of the Florida Association of Mortgage Professionals

  • 2005 Affiliate of the Year

  • Member of the National Association of Mortgage Professionals

  • Secretary of the Florida Association of Mortgage Professionals Education Foundation for the past six years.

  • Member of the Advisory Board of Mortgage Currency

  • Member Association of Residential Mortgage Compliance Professionals

  • References available upon request.

  • Call us for all of your compliance needs.


Mortgage Industry Compliance Expert known as "Mother Mortgage"


Welcome to National Quality Assurance div of SMC


Industry Expert and Specialist in Mortgage Loan Compliance, Consulting, and File Audits

Do you need someone you can call anytime with Mortgage Compliance Questions?

We value and appreciate our clients and would like to be a part of your team.

Sign up for my Consulting Services:


Audit Services include the following mortgage loan types: FHA, VA, Conventional, USDA, Non-Conforming, Reverse, and Private

Florida State Compliance - Mock Florida State Audits.

In Office CFPB Readiness Audits.

Compliance Training.

Telephone and Email Consulting

Expert Witness


In addition to the Audit Services we provide Quality Control Plans and Consulting.





These documents are in PDF format.





The Check Lists are meant to be a Guide only and are not to be construed as legal advice.


Quality Control Plan for mortgage origination, Auditing , Short Sales, Loan Modifications, Foreclosures, FHA, VA, Conventional, Reverse, Private Lender, Compliance, Quality Control


Email: swheeler@sonjamortgage.com

Web Site: www.sonjamortgage.com

551 Sandy Hook Road -
Treasure Island, FL 33706-1212

Phone: (727) 368-0042

Fax: (727) 360-8409


NMLS: 327262 & 174483


We provide the following in our Audits for one fee:

  • We read every piece of paper in the file, photo copy and highlight everything that is incorrect. We refer to the different Agency Handbooks Chapter and Page. We send you sample forms.

  • We get a new tri-merge Credit Report, Desk Review the Appraisal and give you a Collateral Risk Scoring of the Property.

  • We reverify the income, assets, liabilities, and anything used to qualify the Borrower. We resend the loan applications to the Borrower to recertify. We re-underwrite the complete loan file.

  • We compare the Loan Estimate, Closing Disclosure, and 1003 Details of Transaction. We make sure you have all of the documents in your file to comply with all Agencies.

  • We provide you with a Document Check Sheet to make sure you have everything you need in your closed loan file.

  • We pay for all the costs of reverifying, credit report, bank reverifications, telephone calls and copying, We ship the file back to you at our expense.

  • The only thing we do not do is recompute the final APR.

  • You would need to get us your complete file either in paper form or on disk at your expense.

  • If you get audited by HUD or Agencies we will assist you.

  • We are available on an annual retainer basis if needed.

  • Please call with any questions. We look forward to providing you with excellent service!

PRIVACY POLICY: We do not share any information sent to us with anyone. All files are kept under lock and key. Entrance to the office is always locked. Loan files are returned to Client upon completion of Audit via UPS Ground. Only documents pertaining to the audit reverifications are retained for two years as required then they are shredded in a secure facility. Shredding is viewed by Auditor. Any findings of fraud or money laundering is reported to the Client in the completed audit report.


Mortgage Quality Control | Mortgage Compliance | Quality Control Plans | Mortgage Loan Auditing | Loan Audit Services for: FHA, VA, Conventional, Reverse, Private Lender, Short Sales, Loan Modifications, Foreclosures, Compliance, Quality Control | Compliance Training | Florida State Compliance | Telephone & Email Consulting | Expert Witness | Forensic Audits




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