Mortgage Document Prep

Mortgage Document Prep
Having fulfilled in excess of 800,000 residential mortgage loan packages since our inception in 1997, more than 250 financial institutions, federal and state chartered banks, mortgage bankers, brokers and credit unions rely on our expertise for quick, accurate, and compliant residential mortgage closing documents throughout all 50 United States and the District of Columbia.

Loan Fulfillment Services

Loan Fulfillment Services
Rely on our online loan fulfillment services so you can focus on growing your own business instead of detailed and expensive back office operations. We take care of clearing all pre-closing, closing and funding conditions, preparing loan documents to client’s specifications, HUD-1 review and approval, ordering the wire, funding, monitoring trailing documents, clearing stipulations and deficiencies, and shipping and stacking the closed loan package.

Mortgage Law Compliance

Mortgage Law Compliance
With over 200 years of combined legal experience, our attorneys formerly served as executives at large mortgage companies, former general counsel to large lending institutions, judicial clerks, and have even aided in the drafting of instrumental legislation affecting mortgage law. Our attorneys are leaders in the field of mortgage law and regularly teach mortgage professionals about changes affecting the mortgage industry.

Recently Published News Articles

CFPB Supervisory Highlights: Winter 2016

Published on Tuesday, May 17, 2016 in Client and Friends Memo

In the May 16, 2016 issue of the Federal Register (81 FR 30257) (click here), the Consumer Financial Protection Bureau (“CFPB”) published its tenth edition of its Supervisory Highlights. The Supervisory Highlights details CFPB supervisory observations, public enforcement actions, and corrective procedures. As it states recent CFPB regulatory emphases, it provides useful compliance guidance. The tenth edition covered CFPB work done primarily between September 2015 and December 2015.  

Rural Housing Service Issues Qualified Mortgage Final Rule

Published on Tuesday, May 03, 2016 in Client and Friends Memo

In the May 3, 2016, issue of the Federal Register (81 FR 26461, click here) the Rural Housing Service (RHS) re-issued a final rule amending its Single Family Housing Guaranteed Loan Program regulations in 7 CFR Part 3555 to provide that a loan guaranteed by RHS is a Qualified Mortgage if it meets certain requirements set forth in 12 CFR 1026.43(e) of Regulation Z. The final rule adds new §3555.109 providing for an RHS qualified mortgage, as set forth below:

Department of Veterans Affairs Issues Policy Clarification Regarding VA’s Non-Allowable Fee Itemization Requirements for Closing Disclosure

Published on Wednesday, April 13, 2016 in Client and Friends Memo
On April 11, 2016, the Department of Veterans Affairs (“VA”) issued a circular explaining VA’s fee itemization requirements regarding the Integrated Closing Disclosure (“CD”) for consumer transactions governed by the TILA-RESPA Integrated Disclosure Rule (Circular 26-16-11, click here).  The circular requires that, for so-called “non-allowable” fees and charges under 36.4313(d)(2), any credits used to offset such fees must be separately itemized on the CD in the Seller Paid or Paid By Others column.

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