MORTGAGE RISK MITIGATION BLOGS
Hidden Costs of Homeownership
When underwriting a mortgage, most lenders and servicers focus on a borrower's income, credit, and debt-to-income ratio. But what about the hidden...
HELOC Demand is Rising: What Mortgage Risk Teams Should Know
New home construction is at historic lows. Homeowners are hesitant to sell because of higher interest rates. As a result, the U.S. mortgage market...
The Importance of Forensic and Fraud Reviews: Mortgage Risk Mitigation
In the field of mortgage risk mitigation, ensuring the integrity and quality of loans is paramount for lenders, investors, and servicers. Frasco®...
Streamlining Sample Selection: Quality Control Audits
In the ever-evolving landscape of mortgage lending, ensuring the integrity and quality of loans is paramount. At Frasco® Mortgage Risk Mitigation,...
Managing Mortgage Repurchase Risk Amid Rising Delinquencies
In the first quarter of 2025, mortgage delinquencies on one-to-four-unit residential properties increased to a seasonally adjusted rate of 4.04%,...
Addressing Undisclosed Debt and Mortgages: A Guide for Lenders
Why Undisclosed Debt and Mortgages Put Loans at Risk Undisclosed debts and mortgages stand out as serious risks that can lead to defaults, financial...
Charting Housing Affordability Changes: Approaches for Mortgage Professionals in 2025
Housing Affordability policies now influence many loan decisions. Therefore, mortgage teams must improve their due diligence checks to remain safe...
Leveraging Social Media Searches: Enhanced Mortgage Risk Mitigation
In today's digital age, social media has become an indispensable tool for various industries, including mortgage risk mitigation. Frasco® Mortgage...
Ensuring Document Integrity: The Significance of Verifications in Loan Processing
In the complex world of mortgage lending, ensuring the integrity of documents is paramount. At Frasco® Mortgage Risk Mitigation, we understand the...
Navigating Potential Interest Rate Adjustments in 2025: Implications for Mortgage Loan QC Pros
With a new administration in 2025, the Federal Reserve may adjust interest rates, potentially leading to lower mortgage rates and an increase in...
Strengthening Mortgage Risk Management: Proven Techniques for Effective Quality Control
In the ever-evolving landscape of mortgage lending, maintaining high standards of loan quality control is paramount. As mortgage loan quality...
Securing Stronger Communities: Enhancing Loan Quality in the Era of HUD’s New Leadership
In a rapidly changing mortgage lending landscape, the preservation of loan quality is essential for financial stability and risk management. Frasco®...
Maximizing Operational Capacity: A Guide for Mortgage Loan Quality Control Professionals
In the fast-paced world of mortgage lending, operational capacity is a critical factor that directly impacts efficiency, compliance, and risk...
Tackling Origination Workflow Fraud: Essential Strategies for Quality Control Professionals
In the mortgage industry, origination workflow fraud poses a significant threat to the integrity and profitability of lending operations. Mortgage...
Thriving Through Cost-Cutting: Quality Control Best Practices
In the current economic climate, mortgage lenders are under immense pressure to reduce costs while maintaining high standards of loan quality and...
Addressing Post-Funding Lender QC Reviews: A Guide for Mortgage Loan Quality Control Professionals
In the mortgage industry, ensuring the quality and compliance of loans post-funding is crucial. Post-Funding Lender Quality Control (QC) Reviews are...
Navigating Investor QC Due Diligence: Tips for Mortgage Loan Quality Control Professionals
In the ever-evolving landscape of mortgage lending, ensuring the quality and compliance of loans is paramount. One of the critical aspects of this...
What is an Occupancy Check and Why Would a Mortgage Company Do One?
Occupancy verification is a critical component in the mortgage process, protecting both lenders and the integrity of the real estate market. It’s a...
The Ins and Outs of Occupancy Verification: Why It Matters in Real Estate
The Ins and Outs of Occupancy Verification: Why It Matters in Real Estate In the intricate world of real estate transactions, particularly within...
Navigating the Mortgage Maze: Verifying Gig Jobs and Self-Employment
Navigating the Mortgage Maze: Verifying Gig Jobs and Self-Employment As a mortgage lender, you face many obstacles in verifying income for...
Mortgage Foreclosure Rates Increasing
June 27, 2023 | Written by Michael Famiglietti Foreclosure filings in the United States have increased 14% in the last year, according to a market...