What We Do
Does being left alone in the dark scare you? When it comes to your mortgage loan risk, it should.
Mela Capital Group shines the light on understanding and managing risk so you no longer have to fear.
Today’s enlightened professional knows they can no longer operate in the dark assuming their risk management practices are effective. They understand that being proactive today ensures they remain profitable tomorrow.
Do not be the next headline!
Navigating today’s complex and ever changing financial risk mine field can seem overwhelming. Mela Capital Group provides the road map to safely navigate you through to the other side. Since 2005 Mela Capital Group has been providing loan level quality control due diligence, mortgage fraud and portfolio risk analysis. With over $10 billion in mortgage loan audits and the most seasoned team of experts in the industry, managing your risk is our business. MCG works hand in hand with our clients to develop and execute the strategies that protect your bottom line, all in a language you can understand so you can focus on running your business.
Our expertise lies in our experience. We analyze your files at the loan level according to Agency guidelines or your specified requirements. Utilizing your sample or providing independent statistical sampling, you can rest assured that every detail of your loan will be evaluated by the most seasoned underwriting team in the industry. No document will be left unevaluated.
- SERVICING and POST CLOSING PORTFOLIO DUE DILIGENCE
- QUALITY CONTROL AUDITING
- BULK AND FLOW SAMPLING, PORTFOLIO REVIEWS
- HUD, FNMA, FHLMC OR CUSTOMIZED INVESTOR STANDARDS
- AGENCY SITE VISIT PREPARATION
- MORTGAGE FRAUD LOAN LEVEL INVESTIGATIONS
- THIRD PARTY ORIGINATION OVERSIGHT, CLASS ACTION EXPERT WITNESS LOAN LEVEL AUDITS, MORTGAGE INSURANCE CLAIMS DEFENSE, PEACE OF MIND
- FNMA LQI UNDERWRITING
- MONTHLY, QUARTERLY, INDEPENDENT AUDITING
- WAREHOUSE TPO DUE DILIGENCE AUDITING
- FORENSIC FORECLOSURE AUDITING, ASSIGNMENT AND TITLE REVIEW
- EXCEPTIONAL SERVICE, COMPETITIVE PRICING
If one-size-fits-all risk management software products were the solution we would not be in this crisis!
MCG does things the old fashioned way: We audit your loans, we report your findings, we train your teams and we provide operational risk management best practices that work. Call the company you can trust!
Ethical violations and criminal activities in various industries have affected our economy over the past few decades, particularly in the banking, financial and housing sectors. Mortgage fraud is not just predatory lending practices that target certain borrowers. According to the Federal Bureau of Investigation (FBI) mortgage fraud is “material misstatement, misrepresentation or omission relating to the property or potential mortgage relied on by an underwriter or lender to fund, purchase or insure a loan.” With this working definition we see that mortgage fraud can be committed by both individual borrowers and industry professionals.
MCG conducts many forensic financial auditing investigations in concert with counsel and law enforcement to ensure recovery, prosecution or an otherwise successful case conclusion. Some of our clients include individuals, law firms, law enforcement and banking clients. If you are not certain we can assist you or your company, please contact us at your earliest convenience.