Mortgage

Administering an appraiser panel, including recruitment, selection, and retention of appraisers; contracting with appraisers to perform appraisals; managing the appraisal process; and/or reviewing the work of appraisers.

Acting as a broker or lender for mortgages secured by real property where the financing is for commercial purposes only.

Offering or selling an insurance policy to a borrower that pays off one or more existing debts secured by real property in the event of death, disability, or unemployment.

Providing the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.

Acting as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.

Providing services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans for which the company owns the servicing rights. (Excluding interim servicing).

Providing services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans which the company wholly owns. (Excluding interim servicing).

Avoid or ameliorate an impairment of the homeowner's credit resulting from a recorded notice of foreclosure or default.

Acting as a broker on a loan which meets the definition of a high cost home loan under state or federal law.

Acting as a lender on a loan which meets the definition of a high cost home loan under state or federal law.

Acting as a broker for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.

Acting as a lender for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.

Collecting a limited number of contractual mortgage payments immediately after origination on loans held for sale but prior to the loans being sold into the secondary market for a period generally not to exceed 120 calendar days.

Loan solicitation without origination.

Acting as a broker in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.

Acting as a lender in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.

Owning mortgage servicing rights and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to these servicing rights. (Excluding interim servicing).

Owning the whole loan and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to wholly owned loans. (Excluding interim servicing).

Negotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offering to perform a mortgage loan modification which is defined as a change in one or more of a loan’s terms or conditions.

Purchasing closed mortgages (that are not currently in default) with the intent to service or resell to others.

Acting as a broker for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs (e.g., homeowner ceases to reside in the property).

Acting as a lender for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs (e.g., homeowner ceases to reside in the property).

Acting as a servicer for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs (e.g., homeowner ceases to reside in the property).

Providing the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that has subordinate rights to a first mortgage.

Acting as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that has subordinate rights to a first mortgage.

Making or facilitating a sale of residential property for an amount that is less than the remaining amount due on the loan that the residential property secures.

Providing services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans for which the company owns the servicing rights. (Excluding interim servicing).

Providing services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans which the company wholly owns. (Excluding interim servicing).

Providing services for another party that owns the first lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. (Excluding interim servicing).

Completing the mortgage loan application and supporting documentation for underwriting for an application your company did not take from the borrower.

Underwriting a mortgage loan application and supporting documentation for an application your company did not take from the borrower nor are funding.

Providing services for another party that owns the subordinate lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. (Excluding interim servicing).