Frasco’s Mortgage Risk Mitigation services are designed to support lenders, servicers, and risk teams with targeted, fact-based investigations focused on a single area of research at a predictable flat rate. When multiple research areas are required, services can be expanded on an hourly basis for deeper analysis.
Our approach prioritizes clarity, consistency, and defensible documentation, helping clients better understand borrower representations, property use, and financial relationships without disrupting existing underwriting or QC workflows.
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Featured Post:
What is an Occupancy Check and Why Would a Mortgage Company Do One?
Frasco is and helps your business identify and mitigate risks.
When to Order Each Service:
Order a Mortgage Forensic Full Review when:
A loan requires a comprehensive, end‑to‑end review across multiple borrower, property, or financial risk areas.
Service Options Include:
- Employment and income verification
- Asset review and validation
- Identification of undisclosed liabilities
- Occupancy verification
- Direct borrower interview
- Integrated analysis across borrower, property, and financial representations
- Consolidated reporting for pre‑funding or post‑closing use
Order a Desktop Mortgage Targeted Review when:
Specific areas of a loan require additional clarification through desktop research without field activity.
Service Options Include:
- Occupancy Review: Utilities, property records, and vehicle registration review
- Employment & Income Review: Employer or business existence validation
and public and commercial record research - Asset Verification: Contextual review of financial documents and bank statements
- Undisclosed Liability Review: Identification of potential undisclosed obligations or relationships
- Borrower Hardship Review: Borrower contact, hardship confirmation, and document collection
No evaluation or determination included.
Order a Field Mortgage Targeted Review when:
Targeted clarification requires on‑site observation or in‑person contact to supplement desktop findings.
Service Options Include:
- Occupancy Review: Field observation of property condition, vehicle presence, and neighborhood indicators
- Employment & Income Review: In‑person employer or business confirmation when applicable
- Borrower Contact: Direct borrower contact for clarification or confirmation
Need More Information or Ready to Assign a Case? Contact Us
Mortgage Risk Mitigation Solutions:
Occupancy Investigations:
Most Requested Service
Occupancy investigations help determine how a property is being used, based on observable and documented indicators. While borrowers are the most common subject, occupancy investigations can be conducted on any individual or entity, including landlords or third parties.
Desktop Occupancy Research may include:
- Utility records and service patterns
- Vehicle registrations associated with the address
- Property ownership and tax records
- Public records and address history indicators
Field Occupancy Investigations add on-site insight, including:
- Visual assessment of property condition and use
- Presence and type of vehicles at the location
- Neighborhood observations and interviews
Note:
Desktop research establishes data-based indicators, while field investigations provide context and real-world observation that cannot be replicated through records alone.
Employment & Income Investigations:
Complete, Integrated Review
Rather than offering narrow employment checks, Frasco conducts comprehensive employment and income investigations that incorporate business and entity validation when applicable.
Scope may include:
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Employer or business existence review
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Business registration and entity research
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Role, tenure, and operational indicators
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Corroborating public and commercial records
Note:
Business and entity validation is rarely ordered as a standalone service, as it is most effective when reviewed in the context of a broader employment and income investigation.
Asset & Undisclosed Liability Investigations:
Targeted Financial Risk Review
This service focuses on identifying financial relationships or obligations that may not be fully represented, independent of employment or income investigations.
Scope may include:
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Review of bank statements and supporting documentation
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Interviews to clarify financial representations
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Identification of potential undisclosed liabilities
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Corroboration using available public and commercial records
Note:
This service is offered as a separate area of research and can be ordered independently when asset or liability questions arise.
Borrower Contact & Hardship Confirmation:
Situational Support
Rather than making assumptions, Frasco contacts borrowers directly to confirm hardship reasons and collect or clarify supporting documentation, without evaluation or determination.
Scope may include:
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Confirm stated hardship reasons
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Request or collect supporting documentation
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Clarify inconsistencies requiring follow-up
Note:
This service is positioned as information collection and confirmation, not a compliance or policy review.
Maximize Your Occupancy Verification Strategy:
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Discover proven occupancy verification tactics, reduce risk exposure, and ensure compliance in today’s evolving lending environment.
Frequently Asked Questions
What does Frasco do?
What are the most common types of mortgage investigations?
How long does an investigation take to complete?
Can Frasco accept a large volume of orders at once?
Can Frasco provide specific investigations to respond to fraud or repurchase demands?
Does Frasco have a secure method of submission?
What Our Clients are Saying
Five-Star Ratings from our Clients
The level of detail in the investigation report was incredible. Every aspect was covered thoroughly, leaving no question unanswered.
– Director Compliance & Operational Risk
Every observation was well-detailed, helping us gain a clear and complete understanding of the situation.
– Director Business Risk & Control
Frasco responded quickly and delivered the residency verifications we needed right on time.
– Quality Control Manager
Your Referral Can Make an Impact:
Connect us with a company that could benefit from our investigations helping them uncover facts, reduce risk, and make informed decisions.
Watch the Latest Panel Discussion
As the market anticipates a rate decrease, risk teams must navigate the changing landscape. Experts will explore implications for the mortgage industry, addressing challenges, opportunities, and strategy adaptation. Key topics include rate impacts, risks, opportunities, QC, compliance, and ROI.
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