Underwriting

Loan Processing and Pre-Underwriting

Infinity Services can help reduce turnaround time and personnel costs with our Pre-Underwriting program. First, our processors will prepare your file, assuring all necessary documents for underwriting are included. Once this has been accomplished, one of our analysts will review the file according to GSE guidelines or your own proprietary overlays. Infinity will then deliver the file back to your firm with all applicable findings included which can enable your own in-house underwriters to spend less time on each file. Final file is signed-off by your in-house underwriter.

Portfolio Quality Assurance

Infinity Services can assist in quantifying fraud and misrepresentation impact on closed loans. Whether a performing or distressed asset, our professional analysts review loans, underwriting guidelines and sale/servicing contracts to determine if a breach of the representation and warranty supports a material put back to the seller. Infinity handles the review from start to finish, including authoring and follow up on demand letters. Infinity’s loan analysts are proficient in reviewing demands for repurchases from buyers including GSE’s and private equity firms.

Post Close Audit/Review

Infinity can assure your loan portfolio meets all regulatory compliance post-closing. We will work diligently to assure your files are correctly assembled with all required documents and our analysts will assist in retrieving missing documents necessary for regulatory compliance.

Loan Processing

Infinity Services provides loan processing services in order to help expedite file flow and manage personnel costs. Our expert processors will diligently prepare files, order and follow up on crucial documents and deliver the file back to our client in a timely manner.

Administrative/Clerical Appraisal Review

  • Administrative Quality Check of the Appraisal Report as per underwriting guidelines from the Lender.
  • In case of rejections, send orders back to the Vendor for corrections and perform re-review
  • This product is completed by reviewers with 3+ years review experience. This product is not performed by any certified/licensed appraisers.

Desk Review/USPAP Standard 3 reviews

Performed by our well experienced and geographically competent review appraisers. This reports provides a thorough assessment of USPAP Compliancy and an analysis and score of the appraisal’s methodology, credibility and overall performance.