Securitization Loan Reviews
Infinity IPS is an approved S and 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 SOC2 SOC3 compliant environment, Infinity IPS 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 characterstics, collaterl, regulatory compliance, data analytics and sevicing information to assist in determining the quality of the asset pool. Mortgage Due Diligence Review
We perform loan level regulatory compliance audit reviews to dtermine 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 valudation documentation in file.