http://indecomm.net http://mortgage-u.com

Mortgage Policy Manuals

Policies Manual One Sheet PDF Download

Written policies manuals are no longer a luxury, they are mandatory in order to comply with state and federal regulations. Indecomm – Mortgage U’s team of authors have created policy manuals for national lenders, banks and credit unions covering everything from lead through servicing, conventional and government lending. We can handle the project whether it is large or small. Our team consists of subject matter experts, technical writers and editors with decades of mortgage experience, as well as designers and customer liaisons who deliver a top quality product to meet your exact needs.

Advantages of the Indecomm – Mortgage U Policies Manuals

  • Tap into our experience with working with hundreds of mortgage operations
  • Fulfill regulators requirements to have meaningful policy manuals
  • Up-to-date content with federal regulatory requirements
  • Expandable to include future regulations
  • All policy manuals are customized to fit company requirements


Out of Box Solutions

Federal Compliance Policy Manual for Mortgage Originators Including TRID!

Stuck with policies that don’t fit?

Indecomm – Mortgage U has taken the TRID rule and integrated it with our comprehensive Federal Compliance Policy Manual. Our manual combine rules by topics. When you need to find regulations about an application, you don’t have to look in 5 places and then reconcile the differences.

We organize the following regulations with TRID to keep compliance easy:
  • Anti-Predatory Lending
  • Appraiser Independence
  • Consumer Complaint
  • Edisclosure/Esign
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act/FACTA
  • Fair Housing and Fair Lending
  • Flood Insurance (Originations)
  • Home Mortgage Disclosure Act
  • Homeowners Protection Act (PMI cancellation)
  • Information Safeguard and Privacy (GLBA)
  • Red Flags In identity Theft
  • Real Estate Settlement Procedures Act
  • SAFE Act Policy
  • Truth In Lending Act:
    - TILA Disclosures
    - Loan Originator Compensation (Statements and references to LO Agreements)
    - Mortgage Acts and Practices Act – Advertising (MAP)
    - Mortgage Disclosure Improvement Act (MDIA)
    - Right of Rescission
    - Section 35 HPML & Section 32 High Cost Mortgages
    - Adjustable Rate Mortgages
  • Telephone Consumer Protection Act
  • Unfair, Deceptive, and Abusive Acts or Practices (UDAAP)



Customized Policy Manuals

Case Study #1:
Large national multiple business channel bank was struggling with underwriters constantly referring to Fannie Mae and Freddie Mac guidelines. The bank had made many policy statements in various documents and emails to help guide the underwriters in unique circumstances and when there were multiple layers of risk. In addition, the bank found that Fannie Mae, Freddie Mac, FHA and VA did not address important documentation issues when scenarios were very complex. This left the bank with underwriters searching multiple locations for guidance and asking team leads for answers to exceptions. Management wanted the policy manual to guide team leads and underwriters when tough decisions needed to be made to help add consistency.
This was a multiple layer problem that was solved with one policy manual created by the Indecomm-Mortgage U team. Our subject matter experts and technical writers created a foundation document by combining and restructuring the bank’s existing policies, memos and emails. We delivered the manual in easy to manage sections and worked with the bank’s project management team for several rounds of edits.

The final deliverable was a comprehensive underwriting policy manual covering conventional, FHA and VA loans that is serving the entire underwriting department. The bank has gained efficiency and consistency with a centralized point of reference. The bank’s management has been able to update the manual easily as the agency make changes. The Indecomm-Mortgage U team recently reviewed the manual for an annual checkup to ensure all underwriting and ATR/QM components had been added.
Case Study #2:
A national Credit Union Service Organization (CUSO) had policies and procedures in a document management system that had become out of control. Documents were not named well, duplication was occurring, users had to dig deep to find information, there was no standardization to the documents and most had a revision date over three years old.
Indecomm – Mortgage U reconciled the document list as a part of the proposal process and identified that our federal compliance and mortgage operations policies and procedures documents could replace dozens of theirs. We created manuals that serve every originator, processor, underwriter, closer etc. who enters the job and needs to understand the important steps required for his/her responsibilities. The cost of full procedures manuals will be less than the cost of the full time employees needed to get the job done, and Indecomm – Mortgage U completes the work in half the time.


Contact Lisa Bloomburg (Click to email) at 800-278-0200 to leverage our team and finalize your procedures manuals before the regulators arrive!

Getting Started

To get your manual off the ground we conduct a 1-2 hour interview with management to review all of the policies and discuss the necessary revisions to customize the manual to your process. We make the first round of edits based on the interview and provide you with a word document formatted and ready for use within 48 hours of the interview! A follow up call is coordinated to make a second round of edits if needed.

AML/SAR Policy Manual

Our AML/SAR policy manual is also a great procedures manual written for lenders. We have the best approach for small and mid-sized shops who want to demonstrate a proper SAR reporting process from the point when red flags are detected in processing. This can be purchased separately for $395. (Health Check Subscribers receive this for free!)

Other manuals can also be purchased a la carte. Please call so we can arrange for your specific request.

Contact Lisa Bloomburg (Click to email) at 800-278-0200 to leverage our team and finalize your procedures manuals before the regulators arrive!
Subject to change without notice.