Guideline Review

Creating a competitive advantage is a difficult task, and the ability to utilize that advantage is often the dramatic difference between success and failure. OneDiligence LLC’s competitive advantage is centralized within our internal logistics, which is made successful by our proprietary workflows of staff, deliverables and information passing through our office. Reviewing the lender’s policies and procedures to confirm they meet the investor’s requirements is one of the ways OneDiligence LLC is prepared to assist in the due diligence process. During this review we help determine if the mortgages conform to its policies and procedures while being of acceptable quality. A review of the files output to the Automated Underwriting System will also be performed, when applicable. Policies can be drafted to evaluate multiple factors, including: • The borrower’s ability (and willingness) to repay the loan - also known as ATR • The borrower's qualifications, or risk level, based on: o Assets o Collateral o Income o Past credit history