What does “Mother Mortgage” do for you



551 SANDY HOOK ROAD, TREASURE ISLAND, FL 33706-1212 PHONE 727-368-0042 FAX 727-360-8409 WEBSITE www.sonjamortgage.com

E-MAIL swheeler@sonjamortgage.com

Audit Services include Florida State Compliance – Mock Florida State Audits. Closed Loan File Audits of FHA/ VA/ Conventional/ USDA/ Reverse/Private Investor Loans.

In Office CFPB Readiness Audits, Compliance Training, Telephone and Email Consulting Expert Witness, 47 years of Mortgage Experience


We provide the following in our Audits for one fee: We read every piece of paper in the file, photo copy and highlight everything that is incorrect. We refer to the different Agency Handbooks Chapter and Page. We send you sample forms. We get a new tri-merge Credit Report, Desk Review the Appraisal and give you a Collateral Risk Scoring of the Property, re-send the loan applications to the Borrower to recertify. We re-underwrite the complete loan file. We compare the Loan Estimate, Closing Disclosure, and 1003 Details of Transaction. We make sure you have all of the documents in your file to comply with all Agencies. You are provided with a Document Check Sheet to make sure you have everything you need in your closed loan file. We pay for all the costs of re-verifying, credit report, bank reverifications, telephone calls and copying, We ship the file back to you at our expense. The only thing we do not do is recompute the final APR or TIP. You would need to get us your complete file either in paper form or on disk at your expense. If you get audited by HUD or Agencies we will assist you. We are available on an annual retainer basis if needed. Please call with any questions. We look forward to providing you with excellent service!

PRIVACY POLICY: We do not share any information sent to us with anyone. All files are kept under lock and key. Entrance to the office is always locked. Loan files are returned to Client upon completion of Audit via UPS Ground with a received signature required. Only documents pertaining to the audit reverifications are retained for two years as required then they are shredded in a secure facility. Shredding is viewed by Auditor. Findings of fraud or money laundering are reported to the Client in the completed audit report. NMLS 327262 NMLS 174483 Secretary of Florida FAMP Education Foundation, Member of NAMP, Member Advisory Committee Mortgage Currency.

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