The Ethos Risk Services Mortgage Fraud Team is comprised of experienced due diligence investigators skilled in conducting in-depth mortgage fraud investigations, background research, locate investigations, and financial asset investigations.
We assist the private mortgage insurance industry, lenders, and numerous banking institutions across the country with expert mortgage fraud investigations.
Investigations include:
- Uncovering material misstatements, misrepresentations, or omissions relating to the property or potential mortgage relied on by an underwriter or lender to fund, purchase, or insure a loan
- Identifying Lender Knowledge in the mortgage loan process
- Verifying Loan Information and authenticating documents and signatures
- Occupancy Investigation and interviews
- Income Verification
- Identifying Straw Buyers and Front Buyers
- Identifying I.D. Theft
- Locate Borrower and interview potential witnesses
- Execute Verification of Employment (VOE’s) and 4506-T
- Asset and Liability Verification
- Bank Statement Verification
- Down Payment/Source of Funds Verification
- HUD-1 Verification
- Identifying Undisclosed Debt and Property
Our comprehensive reports include:
- Investigative Summary
- Occupancy Verification
- Lender Knowledge
- Employment and Income Verifications (VOE)
- Loan Officer Interview
- Verification of Deposit
- Borrower/Co-borrower Interview
- Asset and Liability
- Sources of Funds
- Undisclosed Debt and Property
- Evidence obtained during investigation
Our investigators have a thorough knowledge of key documents involved in the loan process such as Form 1003, closing statement or HUD-1, and understand the contents of the relevant documents involved in real estate loans and related transactions.