As a mortgage lender, since 2008 you have faced unprecedented challenges in meeting the residential loan origination needs of your customers. Compliance requirements as a result of financial reform have increased complexity for all market participants.
Holistic Approach = Certainty
We help remove the complexity by providing a holistic loan origination program that solves for performance and quality -- helping to significantly enhance your customers' closing experience. Improved quality of settlement service also supports your regulatory compliance and risk mitigation objectives, and can be a powerful differentiator for your loans.
- Lean Six-Sigma focus on customer experience and defect-free mortgage loan production
- Automated analytics offerings provide ear-to-the-ground, up-to-the-minute fraud and compliance expertise
- Known as a premier title and settlement services provider, First American closes residential mortgage loans for 28 of 30 of the nation's top lenders.1
Title and Settlement Services
First American Mortgage Solutions provides an ALTA® Commitment and policy with centralized and local settlement processing1. Our centralized title and settlement provides maximum process standardization and quality control for Purchase loans.
We offer a short-form ALTA® Commitment and lender policy with nationwide settlement services produced in centralized operations1. We combine our title production, centralized settlement, with a choice of mobile notary signing or WebSigningTM for a truly convenient closing experience. We also offer a correspondent lending program designed to meet the needs of your correspondent lenders while meeting your high standards for delivery of closed loans.
First American offers a complete solution to support your notary and attorney signing needs. Our signing options (eSigning, mobile notary and mail-to-borrower) allow you the flexibility to choose the appropriate option with time and cost in mind.
Document Retrieval Services
We offer a low-cost cascade fulfillment solution that quickly locates and retrieves publically recorded document images. Our nationwide network of abstractors and title companies provide the retrieval of county-certified or standard copies of recorded instruments.
Today, many housing markets are sprinting to recovery, creating new opportunities for home equity lending. The home equity program at First American Mortgage Solutions offers customizable outsource options for property reports, signing, sub-escrow, and/or recording services that allows you to comply with evolving regulations and work smarter, not harder.
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Title and Settlement for Regional Lenders
Title and settlement services tailored to credit unions, regional lenders, community banks, and mortgage brokers.
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When mortgage lenders look to outsource quality control file reviews, reputation really matters. The provider of choice for the mortgage industry and law enforcement, our processes and solutions are designed by industry experts that include certified fraud examiners, certified mortgage bankers, compliance lawyers and certified appraisers. Keeping in mind the industry's drive for volume and fast turn times, quality control can be best achieved by combining proven technology to identify areas of risk with seasoned lending professionals who have the expertise to spot inconsistencies.
Contract Underwriting Services2
We provide outsource services for loan contract underwriting that are fully compliant with SAFE ACT requirements, and staffed by a dedicated team of seasoned underwriters. Our single point of contact approach provides operational efficiencies and a variable cost solution with the ability to scale to volume and the flexibility to respond quickly to changing market conditions.
2Services are provided through Interthinx Services, Inc., an affiliate of First American Financial Corporation.
One of the advantages of choosing First American is not only the accuracy and freshness of our data and the insight that it provides, but how easily you can leverage the data and the solutions we offer. Choose XML, Custom Data Solutions with Match and Append by signing in to DataTree.com. As a lender, you now have the flexibility to consume the data you need, exactly the way you need it.
We offer an intelligent valuation suite of services to support your business objectives by improving appraisal quality, reducing costs, reducing cycle time, and providing assistance in meeting federal requirements. Our complete suite of conventional and alternative valuation products -- including Automated Valuation Models (AVMS), property evaluations, Market Analysis and Condition (MAC) Reports, and appraisal management and review services -- combined with state-of-the-art technology, deliver customized valuation products based on your lending needs.
Automated origination solutions, provided by Interthinx® -- an affiliate of First American Title Insurance Company -- offer you with an unmatched combination of fraud detection, income and identity verification, compliance, and collateral valuation capabilities. In tandem with our loan file review solutions, Interthinx provides lenders much-needed peace of mind. Interthinx delivers comprehensive origination risk management solutions, unrivaled automated fraud detection and mission-critical income and identity verification because an effective loan origination operation is the heartbeat of the mortgage lending lifecycle.