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

CFPB Revises Definitions for Small Creditor, Rural and Underserved Areas

Published on Tuesday, October 06, 2015 in Client and Friends Memo, Texas Home Equity, Texas Legislation

In the October 2, 2015, issue of the Federal Register (80 FR 59944, click here) the Consumer Financial Protection Bureau (CFPB) issued a final rule (Rule) revising the definitions of small creditor, rural area and underserved area as currently provided in the following Regulation Z rules and official staff commentary: §1026.35(b)(2)(iii)(A), (B), (C), and (D), §1026.35(b)(2)(iv)(A) and (B) and official staff commentary, cross-referenced in §§1026.43(e)(5) and (e)(6), §§1026.43(f)(1) and (f)(2) and official staff commentary, and §1026.32(d)(1)(ii)(C). The Rule’s revisions to the definitions of small creditor and rural and underserved areas are effective for covered transaction consummated on or after January 1, 2016.

TRID Disclaimer on Texas Conditional Qualification Letters (“Form A”) and Conditional Approval Letters (“Form B”)

Published on Thursday, September 24, 2015 in Client and Friends Memo

As you are aware, the TRID Rule will take effect on October 3. Among the new requirements, §1026.19(e)(2)(ii) of Regulation Z will require a disclaimer “[i]f a creditor or other person provides a consumer with a written estimate of terms or costs specific to that consumer” before the consumer receives the loan estimate. Recall that a loan estimate cannot be issued until the customer has submitted an application as defined by §1026.3(ii) of Regulation Z, which consists of the customer’s name, income, social security number, property address, estimated property value, and loan amount sought. The disclaimer must clearly and conspicuously state at the top of the written estimate in 12-point or larger font: “Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.”

Regulation Z HOEPA and Qualified Mortgage Annual Threshold Adjustments

Published on Wednesday, September 23, 2015 in Client and Friends Memo

In the September 21, 2015, issue of the Federal Register (80 FR 56895), click here, the Consumer Financial Protection Bureau established the following 2016 thresholds for high-cost and qualified mortgages under §§1026.32 and 1026.43, respectively.


Join Our Newsletter

Stay up to date with mortgage industry news published by our attorneys.