With regulations constantly changing, the professionals at Mortgage Compliance Advisors (MCA) will help you comply. MCA has the experience and resources to serve all your compliance needs, including quality control audits, consulting services, up to date lending manuals, and many other compliance services.
FHA and Conventional Quality Control File Audits
Our quality control checklists are designed to comply with FHA, Fannie Mae, Freddie Mac, and VA guidelines. Once we receive your files, our experienced team can have the reports from your file reviews back to you in approximately 30 days. » read more about our mortgage quality control audits
Red Flags Rule Implementation Services
The Federal Trade Commission is requiring financial institutions and creditors to have a written identity theft prevention program (Red Flag Policy) in place. We can customize the Red Flag Policy templates for your organization and return them to you quickly. » read more about our red flag policy
Agency Approval Services
If your organization needs guidance through the FHA, Fannie Mae, or Freddie Mac approval process, we can help. You will receive personal, one-on-one guidance from former FHA branch chief Bob Warnock. » read more about our agency approval services
Quality Control Plan Implementation
We can create a quality control plan for you; or we can review your current QC plan and provide recommendations to meet agency, lender, or investor guidelines. » read more about our quality control plan
Training and Consulting Services
We are available to advise/consult on all aspects of compliance and quality control with your organization’s management. » read more about our training and consulting services
Lending Manuals
We offer easy to use, concise reference manuals for FHA, VA, and HECM. These manuals are updated quarterly with the latest guidelines and are a good reference for originating, processing, underwriting, and closing. » read more about our lending manuals
4506-T Income Verification
Comply with income verification requirements for Fannie Mae, Freddie Mac, or investors. Order your 1, 2, 3, or 4 year tax transcripts and receive them directly from the IRS in 24-48 hours. » read more about our 4506-T income verification
Focus Reviews
Get quick pre- or post-closing compliance checks, which include our professionals’ advice on how to correct any issues. Focus Reviews check HOEPA, TILA, and RESPA tolerances, as well as ranking overall risk. » read more about our focus reviews
Identity Verification
We can provide a borrower identity verification solution, which manages fraud risk and helps meet the due-diligence requirements of the Patriot Act. » read more about our borrower identity verification
