Portfolio Management
Loan Portfolio Review
- Review existing loan portfolio
- Produce summary report and group loans by risk assessment
Benefits:
- Head count cost reduction
- Reallocation of staff to customer facing activities
- Loss Reduction proactive action on issues
Review of Quality Control Standards
- Evaluate current standards and Processes
- Detail an current FHA expectations
- Prepare an action plan to achieve compliance with FHA and Best Practice Guidelines.
- Implement action plan and verify milestones
Benefits:
- Reduced liability of non conforming FHA loan applications
- Reduced default from improved document analysis
- Lower overall risk by improving internal training process and content
Risk Management
- Prepare portfolio risk analysis
- Review internal assessment procedures
- Supplement standards with appropriate risk assurance procedure
- Prepare and implement action plan to strengthen as required
Benefits:
- Asset optimization by implementing a proactive default processes
- By tracking early warning signs and implementing actionable processes tree our client companies mitigate the default process earlier
Default Resolution
Case Review and Detail
- Assist borrower in developing a personal financial summary
- Collect supportive documentation: w2’s, bank statements, etc.
- Obtain tax certificate
- Build preliminary title report
- Verify certificate of occupancy
- Perform and physical location review
Benefits:
- Improved case assessment
- Heightened degree of analytical expertise in case review
- 90 percent attainment of borrower financials
Property Action Summary
- Government Work out Solution
- Review property data and determine eligibility
- Review borrower’s personal financials and determine eligibility for government assistance program
- Outline bank liability
- Outline government sponsorship amount
- Prepare required documents
- Rework of loan
- Review loan default
- Review Borrowers financials
- Review all tax and title information
- Determine eligibility for a rework solution based the operating matrix.
- Send to lender for underwriting approval
- Manage a short sale process
- Guild borrower in developing an action plan
- Assign Broker
- Prepare marketing Plan
- Act as a liaison between You the borrower and broker
- Manage Deed in Lew or foreclosure action
- Prepare findings documents and condition for both borrower and bank review
- Prepare Property for sale as if a foreclosure
- Perform asset securitization service
Asset Securitization
Pre-Foreclosure Property Review:
- Perform a physical property review and summary of plant condition
- Present a Broker Price Opinion and market analysis
- Submit a full marketing plan and cost analysis to assist the lender client in determining an appropriate course of action
Benefits:
- Greater visibility to carrying cost
- Superior cost assessment
- Reduction of property damage
Securitization of Physical Property:
- Initiate appropriate communication with resident and borrowers
- Insure physical plant is secure to trespass
- Interface with local law enforcement
- Insure municipal services are in required status condition
Benefits:
- Intrinsic value maintenance
- Reduction of fines and legal fees
- Cost containment
Support Services:
- Broker liaison and interfacing specialist is asset optimization
- Manage transfer of property at sale
- Close of accounts - terminate and arrange for closure of services, balance accounts
Benefits:
- Asset value retention
- Reduced management fees
Pre Close Quality Review:
- Infinity works and interfaces with your title company to pre-review the closing packet for marketability.
- Support Mortgage company - buyer communication
Benefits:
- Reduced headcount
- Improved customer service
- Improve turn time
Post Close Quality Review:
- Perform a post close buyer survey on all deals.
- Review post close docs, insure all instructions were meet and that final docs meet FHA guidelines
- Cure issues directly with Title/Escrow Company
Benefits:
- Reduced headcount
- Improved customer service
- Improve turn time
Secondary Market or Bucket Review:
- Review and prepare all loans for marketing
- Assign values and actions to each loan for resale.
- Cure issues directly with Title/Escrow Company
Benefits:
- Reduced headcount
- Improved marketability
- Satisfies third party valuation requirement
Real Estate Consulting:
- Infinity works with a nationwide network of realtors in support of the clients’ business objectives
- Support the marketing of properties for sale
- Support the marketing of properties for rent or lease
Benefits:
- Improved sales price
- Income producer as a rental property
- Improve turn time
|
