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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:
727-368-0042
WHAT WE DO
FOR YOU
We provide the following in
our Audits for one fee:
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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.
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We get a new tri-merge Credit Report,
Desk Review the Appraisal and give you a Collateral Risk Scoring of
the Property.
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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.
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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.
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We provide you with a Document Check
Sheet to make sure you have everything you need in your closed loan
file.
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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.
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The only thing we do not do is recompute
the final APR.
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You would need to get us your complete
file either in paper form or on disk at your expense.
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If you get audited by HUD or Agencies we
will assist you.
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We are available on an annual retainer
basis if needed.
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Please call with any questions. We look
forward to providing you with excellent service!
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
New Mortgage Company Startups
In addition to the Audit Services we provide Quality Control Plans
and Consulting.
DOWNLOAD DOCUMENTS
These documents are in PDF format.
CONVENTIONAL AUDIT FILE CHECK LIST
FHA AUDIT FILE CHECK LIST
USDA AUDIT
FILE CHECKLIST
VA AUDIT FILE CHECK LIST
The Check Lists are meant to be a Guide only and are
not to be construed as legal advice.
AUDIT AWARENESS FOR FLORIDA
Consumer Access to the National Mortgage Licensing
System (NMLS)
Website:
http://www.nmlsconsumeraccess.org
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