Decision-making tools customized to your needs.
IMARC's reports are full of the details that our clients need to make crucial decisions. We'll get this essential information to you on time and in a boardroom-ready format.
IMARC's reports are full of the details that our clients need to make crucial decisions. We'll get this essential information to you on time and in a boardroom-ready format.
Know before you loan. Review, validate, and re-verify employment documents. Review and compare core loan documents to loan level details for consistency and accuracy. Independent research of all parties affiliated with the transaction against known watch lists. Recalculate underwriting ratios, qualifying income, and match documents and underwriting conditions to the AUS findings report. All document reviews, validations, and verifications are undertaken to assure the client that their loans at that point in time are compliant with all of their operational and investor requirements.
IMARC helps you comply with investor requirements by re-underwriting the file according to investor guidelines. IMARC will re-underwrite the borrower credit, obligations, assets and income, and appraisal desk review. We will determine if all pre-funding steps were completed in accordance with the most recently published guidelines of the GSE or secondary market investor, including, but not limited to, evidence of borrower ID validation and no unexplained increases in liability. Our services also include all the re-verifications of the key documents that led to your lending decision and a review that they met your operational guidelines.
IMARC will review your loans as they go 30, 60, or 90 days delinquent and provide you with standardized reason codes for why the loan did not perform, as well as with the evidence to support the decision. Whether the delinquency is the result of a life event such as job loss or the file contained material misrepresentation, IMARC will provide you with a detailed report. Our services also include verbal and written re-verifications of key documents, public record research, and retro valuation services that will ensure that the property was valued appropriately at funding.
IMARC will design a custom audit to meet your needs. Maybe you have recently opened a new branch or hired several new underwriters. Our technology can quickly update and customize audit findings to meet your specific audit needs as they arise.