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Mortgage Solutions Anchored in Promise and Diligence

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Get To Know American Calidad Mortgage Consultants Inc.

Unlock the Power of Mortgage Due Diligence with American Calidad Mortgage Consultants Inc.

Welcome to American Calidad Mortgage Consultants Inc., where excellence meets innovation in the realm of Third-Party Review (TPR) services. We pride ourselves on being distinguished among major registered service providers, fostering impactful collaborations with Capital Markets and financial institutions worldwide. With a relentless dedication to delivering results and exceeding expectations, American Calidad Mortgage Consultants Inc. stands as your trusted partner in risk management and regulatory compliance.

Secure and Transparent

Why ACMC ?

Why ACMC ?

  • Top 3rd Party Independent Reviewer (TPR): Our firm stands out as a premier TPR with a robust 3-tier mechanism for loan review, ensuring thorough scrutiny and adherence to the highest standards of quality and compliance.
  • Zero Tolerance for Quality: We uphold a zero-tolerance policy for quality, prioritizing accuracy, reliability, and integrity in every aspect of our service offerings.
  • Streamlined Processes: Say goodbye to lengthy and complicated processes. We specialize in streamlining procedures, enhancing efficiency, and delivering results in a timely manner.
  • Integrated and Automated Systems: Gain access to integrated and automated systems that streamline workflows, minimize errors, and maximize productivity, empowering you to achieve your goals with ease.
  • Smart Mortgage Automation: We leverage cutting-edge automation technology to enhance accuracy and efficiency, ensuring superior outcomes and optimized processes.
  • Experienced Team: Our team comprises experienced and skilled professionals, including Team Leads, Senior, and Junior Underwriters, who bring decades of collective experience to every project.

Top 3rd Party Independent Reviewer (TPR): Our firm stands out as a premier TPR with a robust 3-tier mechanism for loan review, ensuring thorough scrutiny and adherence to the highest standards of quality and compliance.

Cutting-Edge Technology: With our cutting-edge technology solutions, we offer scalable and innovative solutions tailored to your unique needs, driving efficiency and scalability.

Investor Compliance: Our Mortgage Due Diligence reports are compliant with major Capital market and investor requirements, ensuring seamless integration and acceptance.

Partner with ACMC Global to unlock the full potential of your mortgage due diligence processes. Experience excellence, reliability, and innovation with our comprehensive service offerings.

Accountability: The Key to Success

Transparency: Earn Trust, Build Loyalty

Never Settle, Always Improve

Empowering homeownership through partnership, building futures together.

SimpleTransparentSecure

Promised with precision delivered with Diligence.

ISMS, SOC 2, SOC 3 Standards.

  • Protecting sensitive information from unauthorized access.

    Implementing access controls, encryption, and secure storage practices.

  • Ensuring the accuracy and reliability of information.

    Implementing measures to prevent unauthorized modification or alteration.

  • Ensuring that information and systems are available and accessible when needed.

    Implementing redundancy, backup, and disaster recovery plans.

  • Verifying the identity of users and systems.

    Using strong authentication mechanisms, such as multi-factor authentication.

  • Granting appropriate access levels based on roles and responsibilities.

    Restricting access to sensitive information to authorized personnel only.

  • Ensuring adherence to relevant laws, regulations, and industry standards.

    Regularly auditing and assessing compliance with security policies.

Case Studies

Post Close Quality Control Loan Review

We have had the pleasure of working with American Calidad Mortgage Consultants Inc. as our Due Diligence Vendor, and we couldn't be more pleased with the quality of their service. The loan review reports and detailed summaries they provide have been instrumental in enhancing our internal underwriting processes. American Calidad Mortgage Consultants Inc. consistently delivers thorough and insightful reports that have helped us improve our underwriting quality and make more informed lending decisions. Their expertise and attention to detail have been invaluable to our organization. We highly recommend American Calidad Mortgage Consultants Inc. to any institution seeking top-notch due diligence services. Their professionalism, reliability, and commitment to excellence make them a trusted partner in our business operations.

Case Study

Conducting compliance reviews is an integral part of our operations, and our team of experts handles these reviews with efficiency and precision. Recently, during a compliance review, we encountered a significant issue that required careful attention.

While performing due diligence on a loan, we discovered that it failed to meet the requirements for HOEPA High Cost classification. Surprisingly, the loan was not marked as High-Cost according to the tape received from the client. Upon further investigation, we found that no HOEPA High-Cost Loan disclosure had been provided to the borrower, constituting a breach. This breach rendered the loan ineligible for purchase. We promptly shared our findings with the client, who made the decision not to proceed with the purchase of the loan. The unpaid balance (UPB) on the loan amounted to $283,500. Our detailed review and supporting findings played a crucial role in saving the client's money by preventing the purchase of a non-compliant loan. This incident underscores the importance of thorough compliance reviews in safeguarding against financial risks and ensuring adherence to regulatory standards.

Pre-Funding Quality Control Loan Review

We are delighted to express our satisfaction with American Calidad Mortgage Consultants Inc., our chosen partner for Pre-Funding Quality Control services. Their comprehensive Credit Review and Underwriting processes have significantly strengthened our underwriting practices and bolstered our confidence in loan origination. American Calidad Mortgage Consultants Inc.'s approach is meticulously designed, focusing on Thorough Analysis of Income and Liabilities, Precision in Underwriting Calculations and Identification and Analysis of Investor-Specific Overlays. Choosing American Calidad Mortgage Consultants Inc. has proven to be a strategic decision for our organization. Their dedication to excellence and commitment to enhancing our underwriting standards have been invaluable. We confidently recommend American Calidad Mortgage Consultants Inc. to any institution seeking to fortify their underwriting practices and elevate their confidence in loan origination.

Case Study

During our credit review process, we encountered an issue with the Verification of Employment (WVOE) document in one of the files. Upon examination, we discovered that the WVOE document contained whiteouts at the employer signature section, indicating alterations. Additionally, Section 4, which specifies who ordered the WVOE, was left blank.

We promptly identified these discrepancies during our review and immediately reported them to the client. Despite the loan being at the Clear to Close (CTC) stage, our diligence in identifying and communicating this issue led the client to order a fresh WVOE. Upon receipt, it became evident that the details provided in the new WVOE did not match the original submission. This meticulous attention to detail enabled the underwriter to revisit the file and make an accurate decision. By identifying and addressing these discrepancies early in the process, we ensured that the underwriting decision was based on reliable information, ultimately contributing to the integrity of the lending process.

Non-QM

We've relied on American Calidad Mortgage Consultants Inc. as our trusted vendor for reviewing our Non-QM Portfolio, and their experienced staff consistently delivers high-quality results. Their commitment to excellence is evident in their tailored approach to reviews and reporting, which align perfectly with our requirements. American Calidad Mortgage Consultants Inc.'s team possesses the expertise and attention to detail necessary to conduct thorough assessments of our Non-QM Portfolio. Their insights have been invaluable in helping us make informed decisions and optimize our portfolio performance. We highly recommend American Calidad Mortgage Consultants Inc. to any organization seeking reliable and customized review services for their Non-QM Portfolio. Their dedication to meeting client needs and delivering exceptional results sets them apart as a valuable partner in our business operations.

Case Study

During a period of high volume, with 500 loans to review, our team at ACMC remained committed to upholding quality standards despite the pressure. Our unwavering dedication to thoroughness led us to identify a critical issue during the review of an appraisal report.

Upon careful examination, we discovered that the subject property exceeded 15 acres, rendering it ineligible according to the guidelines. Recognizing the importance of this detail, we promptly brought it to the client's attention in the early stages of the loan process. The client appreciated our diligence in conducting a comprehensive review, especially given that the loan amount exceeded $1,000,000. Had this detail gone unnoticed, it would have constituted a significant oversight from a guideline perspective. This incident underscores our commitment to maintaining integrity and adherence to guidelines, even in high-volume scenarios. By prioritizing quality over quantity, we ensure that our clients can trust the accuracy and reliability of our reviews.

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