Mortgage Document Prep

Mortgage Document Prep
Having fulfilled in excess of 800,000 residential mortgage loan packages since our inception in 1997, more than 250 financial institutions, federal and state chartered banks, mortgage bankers, brokers and credit unions rely on our expertise for quick, accurate, and compliant residential mortgage closing documents throughout all 50 United States and the District of Columbia.

Loan Fulfillment Services

Loan Fulfillment Services
Rely on our online loan fulfillment services so you can focus on growing your own business instead of detailed and expensive back office operations. We take care of clearing all pre-closing, closing and funding conditions, preparing loan documents to client’s specifications, HUD-1 review and approval, ordering the wire, funding, monitoring trailing documents, clearing stipulations and deficiencies, and shipping and stacking the closed loan package.

Mortgage Law Compliance

Mortgage Law Compliance
With over 200 years of combined legal experience, our attorneys formerly served as executives at large mortgage companies, former general counsel to large lending institutions, judicial clerks, and have even aided in the drafting of instrumental legislation affecting mortgage law. Our attorneys are leaders in the field of mortgage law and regularly teach mortgage professionals about changes affecting the mortgage industry.

Recently Published News Articles

Annual Privacy Notice – CFPB Proposes Regulation P Amendments

Published on Tuesday, July 12, 2016 in Client and Friends Memo

In the July 11, 2016, issue of the Federal Register (81 FR 44801, click here) the CFPB published proposed amendments to Regulation P (12 CFR part 1016), which implements the privacy notice provisions of the Gramm-Leach-Bliley Act (GLBA). The GLBA and Regulation P mandate that financial institutions provide their customers with annual notices regarding the institutions’ privacy policies. Regulation P sets forth requirements for how financial institutions must deliver these annual privacy notices. In certain circumstances, Regulation P permits financial institutions to use an alternative delivery method to provide annual notices. This method requires, among other things, that the annual notice be posted on a financial institution’s Web site.

Regulation Z HOEPA and Qualified Mortgage Annual Threshold Adjustments

Published on Tuesday, June 28, 2016 in Client and Friends Memo

In the June 27, 2016, issue of the Federal Register (81 FR 41418), click here, the Consumer Financial Protection Bureau established the following 2017 thresholds for high-cost and qualified mortgages under §§1026.32 and 1026.43, respectively.

U.S. Supreme Court Decision in Spokeo, Inc. v. Robins Addresses Constitutional Standing Requirements For Statutory Private Right of Actions For Violations of Federal Consumer Protection Law

Published on Wednesday, June 15, 2016 in Client and Friends Memo

In the case of Spokeo, Inc. v. Robins, 136 S.Ct. 1540 (May, 2016), (click here), the Supreme Court of the United States vacated a decision by the United States Ninth Circuit Court of Appeals and sent the case back to the Ninth Circuit for reconsideration. The issue was whether Robins had “standing” under Article III of the Constitution to file a private lawsuit for violations of the Fair Credit Reporting Act (the “FCRA”). If a plaintiff does not have standing, a federal court does not have jurisdiction to hear the case and must dismiss the lawsuit.  The Court held that the Ninth Circuit had failed to fully analyze every element that must be met in order for a plaintiff to have Article III standing


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