Infinity Website Content

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About Us
Services:
Mortgage Due Diligence Services
Servicing Review
Loan QC Services
Advisory Services
Staffing Solutions

Contact us
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About Us
Infinity is a Financial due diligence firm, providing
mortgage due diligence and consulting services to
investment bankers, Originators, Government Agencies,
Hedge funds and real estate investment trusts.
Founded in 2002 by industry veterans, for more than a
decade Infinity has been providing scalable and
customized solutions to all the entities in the mortgage
ecosystem.
With a comprehensive menu of mortgage due diligence,
loan QC and consulting advisory services, Infinity
provides end to end support to help our clients mitigate
the risk of an ever changing volatile Mortgage Industry.

Services
Mortgage Due Diligence:
Securitization Audit:
Infinity has been reviewed and meets the RMBS
third party due diligence standards set by all major
credit rating agencies. With state of the art
technology hosted in a SOC 2 SOC 3 environment,
Infinity paints an accurate and a reliable picture of
the assets.
Through Quality underwriting and sophisticated data
analytical tools, Infinity will do a thorough review of
servicing files, delinquency analysis, borrower
correspondence and many others in determining the
hygiene of the asset pool.

Services
Mortgage Due Diligence:
Distressed Asset Review:
When investing in seasoned assets you
need a detailed in depth analysis to make an
informed decision. Infinity provides
customized solutions to support your
investing decisions and management of
distressed assets. Our Scalable Solutions
include:

Regulatory Compliance review

Servicing Comments review
Payment History review
Collateral review

Services
Mortgage Due Diligence:
Performing/ Re-performing Asset review:
Infinity will underwrite loans as per the
applicable guidelines, we will perform a full
compliance, payment history and/ or
servicing comment review, if applicable. We
also validate the current value of the
underlying collateral, review any
outstanding liens, if applicable, capture or
validate all tape data.Performing loans need
analytical mortgage due diligence reviews to
capitalize on investment opportunities.

Services
Servicing Reviews:
MSR Sales and Acquisition review:
If you are an MSR owner looking to sell your rights or looking to acquire
MSR rights, Infinity can help you mitigate risks and give you a in depth
perspective to make informed business decision, infinity will review:
Servicing and delinquency advance reconciliation
Vendor payment reconciliation
Custodial account review and reconciliation
Purchase and Sale Agreement compliance
Default Review

Modifications
Liquidations
Foreclosure and Bankruptcy practices
Compliance

Repurchase risk analysis

Servicing practice assessment / gap analysis
Investor Reporting review and analysis

Services
Servicing reviews:
Servicer operational Oversight:
Infinitys monthly surveillance (Oversight) begins with determining the sample size and population of
loans for review. Loan reviews can be performed on a statistically relevant sample of loans to identify
risk across the broader population. Another approach is to base the review on adverse selection using
loan-level data points to identify those with the highest risk. Infinity provides recommendations for
the sampling factors based on our understanding of high risk characteristics.
Infinity also performs pointed reviews on various aspects of servicing that align with varying
corporate objectives, government regulations and/or investor mandates. Using these resources and in
cooperation with the client, Infinity can create comprehensive audit testing scripts to defined samples
of loans. Servicing audits will encompass all areas of servicing including on-boarding, loss mitigation,
bankruptcy, loan modification processing, REO and investor reporting functions. Infinity will:
Develop policies and procedures related to Master Servicer or Servicer oversight of servicers and sub-servicers for
Agency/GSE and private servicing
Conduct Annual onsite reviews and exception follow up
Prepare Policy/Procedure/Compliance Review
Reporting validation
Loan Level Testing
Cash Flow Validation (follow the cash)
Custodial/cash account reconciliation review
Operational Management and Staff Interviews, Process Walkthroughs

Services
Loan QC:
Post Close QC:
Using Infinitys Sophisticated Audit software's our auditors will determine
whether the loan file meets all applicable guidelines including but not limited
to set forth by: FNMA, FHLMC, FHA, VA, USDA , RHS, FHLB or any other private
investor .
Typical Audit will include:

Random and targeted file selection using statistical, fixed, and discretionary protocols.
A file documentation review.
A compliance review.
An underwriting review.
A desk appraisal review.
Re-verification of file documents generated by third-parties.
A data integrity review.
Obtain a field appraisal review, as applicable.
Summarize findings into a Credit Risk Analysis.
Aunique summary report for each audited loan file.
Summary and detailed management reports that provide a comprehensive overview of all
audits with current and historical trend analysis.

Services
Loan QC:
Pre Fund QC: Pre Funding QC are done to identify issues with a
pending loan transaction, that need to be cured before
closing. We at Infinity understand that the timing for such
review is critical and hence we offer 24 48 hour turn time for
the completion and return of audit results, Our Pre Funding QC
Process includes:
Analysis of income and debt to ensure that the underwriters
calculations of Debt and income are accurate.
A complete underwriting review of credit guidelines.
Analysis of any other investor specific over lays.

Services
Advisory Services:
Originator Operational Review:
Infinity conducts reviews of originators process and
policies and production to understand their ability to
cope with regulatory and investor guidelines.
Infinity also assists new originators set up relevant
policies and procedures to meet leading industry
practices and federal guidelines. With experience
spanning from setting up correspondent lender
networks to establishing new conduit programs to
assessing internal originator efficiency, Infinitys
team of seasoned professionals can provide valuable
insight into origination operations

Services
Advisory Services:
GSE Direct Issuer Mock Audit:
If you are looking to become a direct issuer
with the GSEs, Infinity with its extensive
experience can help you establish relevant
policies and procedures to meet GSE
guideline. Infinity also assists you in setting
up relevant agency required quality control
measures, help improve processes, help in
evaluating underwriting and credit
guidelines and conduct mock audits to
ensure a smooth approval process.

Services
Staffing Solutions:
Infinity provides temporary and full-time mortgage staffing
solutions to lenders, servicers, investors and issuers. Our
mortgage expertise gives us an advantage thatensures
optimal and professional placement for your
organization.Infinity has developed a national network of
qualified andtested mortgage professionals to meet your
organizations business needs.
We work with mortgage professionals across the entire
spectrum of mortgage types and are continually adding
additional top qualified candidates.
Please click here to request details on our candidate
selection process:
Link takes them to Contact us

Careers