Mortgage Industry Consultants

Mortgage Industry Consultants,LLC - Services

Trusted Guidance
in the world of
Real Estate Finance

Areas of Practice

 

FINANCING STRUCTURES

Capital structure is a critical factor in managing and expanding any lending platform. We provide our clients with guidance on capital stack optimization, total cost of capital, warehouse financing, strategic opportunities, acquisitions, and a host of other critical capitalization considerations.

Fintech Solutions

Optimize and automate back end processes and simplify the front-end experience.  Apply technology to transform your labor-intensive, compliance laden processes into efficient digital data flows.  Use data driven sources and APIs to create a truly automated loan origination process.  Make your front-end application user friendly and intuitive to both millennial and traditional mortgage borrowers. 

DIGITAL MARKETING AND LEAD GENERATION

More leads, traffic and sales is something every lender needs. We utilize unique and effective methods to supercharge your efforts.  Using a combination of paid, organic and social inbound methodologies, you'll see your traffic increase along with origination volumes associated with online sources.

COMPLIANCE ADVISORY SERVICES

Advice on investor and third-party due diligence and audits.  Comprehensive review of quality control processes, standard policies and procedures, expertise on CFPB and State audit and Federal regulatory requirements.  Deep expertise in TRID Compliance, LO Comp rules, Reg Z, Reg B, TIL, Fair Lending & ECOA, AML, BSA, Data Privacy, Information Security, HMDA, GLBA, CRA, FCRA and SCRA. 

Bridge Loans

Investment property bridge loans are short term (usually 6-12 months), loans real estate investors utilize to "bridge the gap" when financing is needed to buy, rehab, or generate liquidity for additional investments. MIC can arrange and will, in certain instances, participate as principal in providing financing

CAPITAL MARKETS AND SECURITIZATION EXPERTISE

Guidance on Rating Agency selection, requirements for ratings, originator diligence, policies and procedures and principal operating history and track record.  Advice on securitization structure, residual pricing, risk retention solutions and third-party loan audits and sampling.