What We Offer

Mortgage Market Ecosystem (FHA, Ginnie Mae, GSEs)

Our team offers recipients of HUD disaster funding knowledge and experience that helps jurisdictions comply with guidelines and identify new opportunities to optimize their full recovery and resilience for the future.

Mortgage Origination, Risk Management, Compliance, and Quality Control

Quality Control and Compliance including sample strategy, defect rates, and dispositions
Mortgage credit and underwriting policies
Adherence to FHA policies and procedures
Strategic counsel on business risk, business growth, and line of business focus
Assess market attributes and assist in ensuring production risk strategies are consistent with corporate strategies
Early buyout strategies for Ginnie Mae issuers
Risk support services – credit risk, operational and compliance risk, model risk, set-up of functions (lines of reporting, employee support, reporting), risk governance

Mortgage Servicing (Forward and HECMs)

Quality Control and Compliance
Servicing policies and procedures review and gap analysis
Capacity evaluation and planning
Loss mitigation claims, investor reporting, and property disposition process review
Sub-servicer compliance reviews
Audit recommendations
Change management

Mortgage Finance Legislative and Regulatory Guidance

Engaging with overseers (HUD, Fannie Mae, Freddie Mac, CFPB)
Reviewing policies to assess market impacts
Drafting policies and recommendations for legislators and regulators in conjunction with industry stakeholders and leaders
Supporting lenders/servicers with regulatory audits
Change management

Public Housing, State, Local, & Tribal Governments

Our team offers Public Housing Authorities and State, Local and Tribal Government operational assistance, best practices, strategic counsel around HUD’s oversight, and insights that optimize funding and create new opportunities to better achieve the mission.

Compliance with HUD programs, guidelines, and funding requirements
Strategic thinking in dealings with HUD and HUD Inspector General
Operational assistance
Optimizing HUD plans for new and current HUD funding
Identifying untapped funding opportunities for new projects
Sharing of industry “best practices”
Evaluating HUD programs for new opportunities and serving your business needs with efficient use of funding that optimizes benefits to the local community

Strategic Business Development

We work with best-in-class service and product providers to deploy our expertise and drive their success and revenue. Our team’s strategic insights and deep relationships provide the foundation upon which our clients optimize opportunities across the mortgage market and affordable housing sector.

Our team can also serve as a liaison to state, local, and tribal governments, opening new doors through our knowledge of the process and policies and our long-standing relationships, helping our clients navigate affordable housing markets throughout the country.
- Outreach to State, Local, and Tribal Governments and Public Housing Authorities
- Identifying untapped funding opportunities for new projects
- Understanding new and current HUD funding sources
- Advising on industry best practices and IT modernization/integration
- Leveraging relationships within the affordable housing industry to forge new partnerships
- Providing actionable intelligence on affordable housing markets across the country, allowing clients to see around corners and understand the trends which affect enterprise value in the future

Disaster Recovery

Strategic counsel on HUD plans for new and current HUD funding to effectively and efficiently use grants for to optimize benefits to the local community
Compliance with HUD disaster funding/grant guidelines and requirements
Identifying untapped funding opportunities for new projects
Understanding new and current HUD funding sources

Litigation Support

Our team provides clients with expert perspective on the GSE/HUD credit and servicing policy environments, underwriting, loss mitigation, and claims often at the heart of compliance disputes with regulators.

Expert perspective into GSE and HUD/FHA/Ginnie Mae credit and servicing policies, including whether originator/servicer policies and procedures comply
Historical insights and knowledge of GSE and HUD home retention and loss mitigation processes
Historical insights and knowledge of GSE and HUD policies, including those related to affordable housing, public housing, and programs affecting low- to moderate-income (LMI) borrowers and renters, elderly, and underserved communities

Gate House Strategies Services