Mortgage services in secondary and capital markets

Intelligent due diligence services for accelerated growth


Faster and compliant secondary market transactions

Unlocking mortgage market potential with comprehensive due diligence

Mortgage services in secondary and capital markets facilitate buying and selling mortgage-backed securities, help manage risk, ensure compliance, and provide valuation insights, keeping the economy moving with better liquidity and efficiency.

Mortgage due diligence services offer comprehensive portfolio analysis and ensure data integrity. These services deliver precise, transparent, and reliable results that assist companies in effectively assessing underwriting guidelines, regulatory compliance requirements, data tapes, and representations and warranties associated with any transaction.

Approved third-party review firm

Visionet mortage due diligence dervices

With over 100+ person-years of secondary and capital markets leadership experience, Visionet is uniquely positioned to provide mortgage solutions that boost efficiency and enhance business outcomes in the secondary and capital markets. Our team of 200+ due diligence experts with deep domain expertise provides you with reviews and reports that are intelligent, impartial, and prompt.

As an approved third-party review (TPR) firm for securitization with leading rating agencies such as S&P, Fitch Ratings, DBRS, and KBRA, Visionet has the expertise and scale to handle virtually any size of engagement. Our affiliations allow us to ensure all assets and processes meet quality, compliance, and reporting standards with transparency and objectivity, meeting the rating agency and investor requirements. Visionet’s standardized 24×7 support, detailed mortgage due diligence review, and best-in-class delivery centers allow us to improve turnaround time and cost-savings for our clients.

Our due diligence services

Credit


  • Guidelines conformity
  • Borrower eligibility
  • Income and assets
  • Credit history
  • Ability-to-repay (ATR)
  • Debt-to-income (DTI) ratio

Compliance


  • TILA-RESPA integrated disclosures (TRID)
  • Real Estate Settlement Procedures Act (RESPA)
  • Truth in Lending Act (TILA)
  • Ability-to-Repay/Qualified Mortgage (ATR/QM) Rule

Title & collateral


    • Collateral remediation
    • Title insurance policy and remediation
    • Legal documentation

    Servicing


      • Servicing notes
      • Pay histories
      • Data tape review
      • Collateral packages
      • Electronic files
      • Regulatory compliance

      Grading


        • Loan grade
        • Finding grade
        • DBRS Morningstar grades
        • KBRA grades
        • Fitch grades
        • S&P grades

        Reporting


        • Consolidated report
        • Executive summary
        • Data discrepancy result

        Faster document processing with AI/ML technology

        Processing large volumes of documents and validating data across documents is crucial to the success of underwriting, valuation, and MSR bulk transfers in the secondary market. Our enterprise-grade intelligent document processing solution, DocVu.AI, leverages AI/ML technologies to simplify complex document processing & data validation, workflow management, third-party integrations, exception handling, and reporting requirements, providing 5X more customers to over 100+ US financial institutions.

        Targeted due diligence support

        Leveraging multiple layers of risk identification, our seasoned professionals review your assets and mortgage files, creating the highest confidence of success with accuracy and verifiable data. Our comprehensive support caters to the following transaction types:

        • Mortgage servicing rights
        • Residential mortgage-backed securities
        • Nonperforming and performing
        • Whole loans
        • Jumbo loans
        • Non-QM loans
        • Commercial business line
        • Securitized assets
        • Quality review
        • Warehouse line review
        • Collateral review
        • Repurchase

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