Infinity is a SOC2 and SOC3 compliant firm, and our reviews meet the standards of all major credit rating agencies. Additional services we offer include HMDA reviews, nationwide title O&E reports, current owner research, non-escrow tax tracking and tax certificate investigation. Our transaction focus is on securitized residential mortgage loans (prime, QM & non-QM, performing and re-performing), whole loan purchases, mortgage servicing rights purchases, and new originations (quality control).
Securitization Loan Reviews
Infinity is an approved S&P RMBS third party review provider and meets the RMBS third party due diligence standards of Fitch, Moody’s, DBRS and Kroll Bond Ratings. With state-of-the-art technology hosted in a SOC 2 SOC 3 compliant environment, Infinity provides in-depth findings and a comprehensive loan narrative in the reporting process.
Through quality auditing and sophisticated data analytical tools, we provide a thorough review of credit characteristics, collateral, regulatory compliance, data analytics, and servicing information to assist in determining the quality of the asset pool.
Compliance Reviews
We perform loan level regulatory compliance audit reviews to determine whether loans comply with all federal, state, county, and local statutes. Our system provides testing for the Consumer Financial Protection Bureau’s (CFPB) Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rule that took effect in 2014; the TILA/RESPA Integrated Disclosure (TRID) Rule that took effect as of October 5, 2015 and the subsequent revisions as outlined in TRID 2.0.
Credit and Collateral Reviews
We review borrowers’ credit and income to determine the ability and willingness to repay based on provided documentation pursuant to guidelines that the loans were underwritten to. Properties (collateral) are reviewed by appraisal and other valuation documentation in file.
Non-Performing “Distressed” Asset Review (NPL)
When investing distressed assets, a detailed in-depth analysis is provided to make informed decisions. Infinity provides a thorough and comprehensive review to help support your buying decisions and management of distressed assets. Our scalable audits include:
Regulatory compliance review
Servicing comments review
Payment history review
Data verification
Collateral review
Title review
