Expertise has never been so important. There is a much smaller pool of mortgage banking companies in the United States today than there were even as little as two years ago. We promote fair and ethical lending practices and foster professional excellence amongst loan originators through a wide range of programs. We provide up-to-the minute news and information about the mortgage industry to our agents so that they are better able to meet the needs of their customers. We host a variety of training sessions and meetings that provide our agents with the strategic tools, industry trends and resources they need to advance their business.
Due to the new mortgage market regulations, brokers and lenders are accountable for the accuracy of the Good Faith Estimates that are delivered to the borrower. Despite the industry opposition and negative feedback, we embrace the new procedures as healthy for the industry as a whole, and in the best interests of the consumer. Secure One Capital Corp., through a carefully constructed standardized procedure, complies with all Federal, State and Local laws with respect to mortgage disclosures on each and every single loan transaction.
Secure One Capital Corp. requires that all of our staff, including but not limited to, underwriters, originators, and processors be familiar with the impact and importance of these laws in their area of responsibility. We require that all loans offered to consumers be in full compliance with all applicable federal, state and local statutes and regulations.
We understand that these laws are extremely complex, very detailed and frequently amended. Accordingly, the company has policies and procedures in place to ensure flawless compliance with MDIA, RESPA, HMDA, RFPA, HVCC, ECOA, FCRA, GLBA, USA Patriot Act, and OFAC requirements. The company’s policies and procedures also address anti-predatory lending, ethics, and fraud prevention.
We UNDERSTAND what it takes to fund loans in a timely manner. Our track record speaks for itself.
