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Utilize services to enhance current staff or to supplement during time of growth.
From operational services to loan level tasks. StateSide Global can assist your organization to meet goals, turn times, and client expectation.
Comprehensive underwriting and review services to ensure compliance and accuracy across agency and various loan programs.
StateSide Global will re-underwrite or pre-underwrite any file for any loan program to provide an additional level of confidence.
StateSide Global will assist a lender through FHA Test Cases and Insuring. The client’s DE staff underwriter will underwrite the file and once a Clear to Close has been issued, the stacked loan file will be provided to Stateside Global. StateSide Global will review the file and provide a list of conditions/deficiencies.
**StateSide Global also offers training for the client’s DE underwriters when requested.
StateSide Global will underwrite loans to GSE guidelines unless overlays are provided.
StateSide Global will underwrite loans to identified lender guidelines.
StateSide Global will review the lender collected condominium documentation to ensure the condominium project meets the Single Unit Approval guidelines as outlined in HUD Handbook 4000.1.
StateSide Global will review the lender collected condominium documentation to ensure the condominium project meets the Full Condominium Review requirements as outlined in HUD Handbook 4000.1. StateSide Global will also stack and prepare the condominium package for submission to the FHA Jurisdictional Homeownership Center.
StateSide Global will review the lender approved or lender rejected condominium DELRAP package for compliance with HUD Handbook 4000.1.
StateSide Global will review the master insurance declaration for a condominium or attached planned unit development project to ensure the evidence of insurance meets the insurance requirements as outlined per agency guidelines.
StateSide Global will review the lender collected condominium documentation to ensure the condominium project meets the loan level review requirements for FHA / FNMA / FHLMC.
Enhance your team’s knowledge and operational efficiency in mortgage services with our experts.
StateSide Global includes assistance with underwriting guideline development/gap analysis, operations structuring, condominium department creation, training, etc.
StateSide Global will help to review files and any other supporting documentation as requested by the State.
StateSide Global specializes in creating or updating policies and procedures, standard operating procedures, qualify control plans, etc. for Mortgage Lenders (delegated or non-delegated).
StateSide Global has extensive experience in writing rebuttal letters for all the GSE’s on the request for buy back or indemnification.
StateSide Global will prepare and train the case binders to be uploaded to Catalyst, assist and train lenders on the input into FHA connection insuring screens and train lenders needing additional training for Lender Insuring.
StateSide Global has a skilled Six Sigma Black Belt on staff. Six Sigma Lean Black Belts are responsible for leading efforts to reduce variation in processes to enhance results and teaching/counseling company executives and employees to minimize variation, make better decisions, and improve outcomes.
StateSide Global will assist the broker in taking the steps to become a correspondent lender/mortgage banker. This includes assisting in structuring the mortgage operations, policy and procedure, standard operating procedure, warehouse lines, and more.
Full-spectrum operational support for mortgage processing, ensuring smooth and efficient workflow management.
StateSide Global offers lenders a hotline manned by an Underwriter with Conventional, Government, and Non-QM experience to answer loan officer and/or underwriter questions.
StateSide Global will order the agency/lender required condominium questionnaires from either the HOA, Management Company, or online service.
StateSide Global will review the data entry information in the LOS system and issue initial disclosures to the borrower(s).
StateSide Global will review the data entry information in the LOS system and issue the initial Closing Disclosure to the borrower(s).
StateSide Global will send the Final Closing Disclosure with closing package to the title agent, title attorney, or title company. Review the signed closed package for completeness to ensure all prior to funding conditions are reviewed and cleared. Once the loan is funded, Stateside Global will stack and submit the closed loan to the investor for purchase.
StateSide Global monitors the receipt of final documents from Title, County Recorder and if applicable Insurance Companies. Utilizing this service will alleviate any non-delivery fees which could be as high as .125% per month per document.
Detailed audits and compliance checks to maintain adherence to regulatory standards and best practices.
StateSide Global’s prefund audit service is designed to ensure that all aspects of a loan meet the necessary standards and requirements before funding. This proactive approach helps identify and correct issues early, minimizing risks and ensuring loan quality.
StateSide Global’s post-close audit is a thorough review conducted after a loan has closed to ensure compliance, accuracy, and quality. The primary objectives are to confirm the loan adheres to all regulatory and lender-specific requirements, and to identify and rectify any issues that could pose a risk.
StateSide Global can assist lenders in creating an in-house pre-fund or post-close audit based on Non-QM or Portfolio guidelines provided by investor.
StateSide Global will validate all HMDA fields are completed correctly or ensure missing information is completed.
StateSide Global will complete an independent third-party MERS Annual Review for delivery by December 31st of each year.
StateSide Global will compare the lender created Excel spreadsheet against the 4506-C and E-Sign confirmation. StateSide Global will validate the information entered onto the Excel spreadsheet is correct. Once any deficiencies are corrected, StateSide Global will issue a signed letter, on letterhead, confirming the information on the Excel Spreadsheet has been validated and is accurate.
StateSide Global will complete a review of the servicing portfolio to ensure all regulations are being adhered to.
Creation and review of policies and procedures, ensuring your operations are well-documented and compliant.
StateSide Global will either review and update the client’s existing Policy and Procedures or will assist the client in the creation of Policy and Procedures.
StateSide Global will either review and update the client’s existing Standard Operating Procedures or will assist the client in the creation of Standard Operating Procedures.
StateSide Global will either review and update the client’s existing Standard Operating Procedures or will assist the client in the creation of Standard Operating Procedures.
Tailored, flexible solutions designed to meet the specific and unique needs of your mortgage business.
StateSide Global can develop and customize any additional services that a client may need.
A consultation can be requested through the Need More Help? section of this webpage. It can also be requested by calling (304) 207-0430 or emailing btattersall@statesideglobal.com.
Once we have our initial consultation and answer any possible follow up questions, we will send you our Master Service Agreement and our Statement of Work for the service(s) you are requesting.
Once the Master Service Agreement and Statement of Work is fully executed, we will arrange an onboarding call to introduce you to your team. The team is handpicked by the leadership team based on the consultation and services requested.
We are happy to answer any of your questions. Please send us a message by filling out the information below.
