FHA Mortgage Compliance, FHA Quality Control, FHA Closed Loan Auditing,

FHA Approval Paperwork and FHA Quality Control Plans

 

  • Sonja has been doing Mortgage Compliance Auditing for the past 15 years.

  • She has over 43 years of mortgage experience including owning two mortgage companies.

  • Sonja has over 180 hours of continuing education since 2002.

  • Member of the Florida Association of Mortgage Professionals

  • 2005 Affiliate of the Year

  • Secretary of the Florida Association of Mortgage Professionals Education Foundation for the past four years.

  • Member of the Advisory Board of Mortgage Currentcy

  • References available upon request.

  • Call us for all of your compliance needs.

  • Member of the Mortgage Bankers Association of Tampa Bay

 

Welcome to National Quality Assurance div of SMC

 

Specialists in Mortgage Loan Compliance Audits

Do you need someone you can call anytime with Mortgage Compliance Questions?
Sign up for my Consulting Services:

727-368-0042
 

Forensic Audit Services include the following:  FHA, VA, Conventional, Reverse, Private, Short Sales, Loan Modifications, and Foreclosures.

Florida State Compliance - Mock Florida State Audits.

Compliance Training.

Telephone and Email Consulting

Expert Witness

 

In addition to the Audit Services we provide Quality Control Plans and Consulting.

 

 

 

DOWNLOAD DOCUMENTS

These documents are in PDF format

CONVENTIONAL AUDIT FILE CHECK LIST

FHA AUDIT FILE CHECK LIST

VA AUDIT FILE CHECK LIST

 

Rules, Regulations, and Enforcement Checklist

 

How to Adapt to the New Disclosure Rules

Quality Control Plan for mortgage origination, Auditing , Short Sales, Loan Modifications, Foreclosures, FHA, VA, Conventional, Reverse, Private Lender, Compliance, Quality Control

 

Email: swheeler@sonjamortgage.com
 

Web Site: www.sonjamortgage.com
551 Sandy Hook Road -
Treasure Island, FL 33706-1212

Phone: (727) 368-0042
 

Fax: (727) 360-8409

 

NMLS: 327262 & 174483

WHAT WE DO FOR YOU

We provide the following in our Audits for one fee:

  • We read every piece of paper in the file, photo copy and highlight everything that is incorrect. We refer to the different Agency Handbooks Chapter and Page. We send you sample forms.

  • We get a new tri-merge Credit Report, Desk Review the Appraisal and give you a Collateral Risk Scoring of the Property.

  • We reverify the income, assets, liabilities, and anything used to qualify the Borrower. We resend the loan applications to the Borrower to recertify. We re-underwrite the complete loan file.

  • We compare the GFE to the HUD-1 and 1003 Details of Transaction. We make sure you have all of the documents in your file to comply with all Agencies.

  • We provide you with a Document Check Sheet to make sure you have everything you need in your closed loan file.

  • We pay for all the costs of reverifying, credit report, bank reverifications, telephone calls and copying, We ship the file back to you at our expense.

  • The only thing we do not do is recompute the final APR.

  • You would need to get us your complete file either in paper form or on disk at your expense.

  • If you get audited by HUD or Agencies we will assist you.

  • We are available on an annual retainer basis if needed.

  • Please call with any questions. We look forward to providing you with excellent service!

 

Mortgage Quality Control | Mortgage Compliance | Quality Control Plans | Mortgage Loan Auditing | Loan Audit Services for: FHA, VA, Conventional, Reverse, Private Lender, Short Sales, Loan Modifications, Foreclosures, Compliance, Quality Control | Compliance Training | Florida State Compliance | Telephone & Email Consulting | Expert Witness | Forensic Audits
  

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