Forensic Services

Investigations

RRMS Advisors brings extensive mortgage loan expertise, including on-site audit reviews of multiple servicers and in-depth examinations of operational systems, loan files, and servicing practices using a variety of investigative techniques.

Our discovery work has uncovered critical findings that, once documented, have provided clear and defensible evidence to substantiate or refute loan put-back claims and other asset recovery efforts—while also supporting defenses against adversarial claims.

RRMS has a proven track record of identifying and documenting activities that support or challenge loan put-back claims and other recourse avenues across a range of client matters, including:

• Fraud investigations

• Public and private compliance assessments

• Internal operational systems analysis

• Functional reviews

• Evaluation of adherence to contractual obligations

Analysis

RRMS has extensive experience assisting clients in developing strategies and conducting due diligence for the acquisition of whole loan and bulk mortgage portfolios. We establish sound sampling protocols that provide clients with the confidence needed to proceed with asset purchases.

We deliver supporting rationale to substantiate loan “kick-outs” and identify significant trends and systemic flaws in origination and underwriting practices. Where appropriate, we recommend process enhancements to improve future performance.

Clients can be assured that asset purchases align with their strategic goals—maximizing portfolio performance while minimizing losses. RRMS develops and executes due diligence strategies that lead to sound, data-driven acquisition decisions across a wide range of institutions.

Information & Data Retrieval Processes

Our data retrieval and analysis capabilities include:

• Assessment of data availability through existing client systems

  • Where access is limited or incomplete, alternative sources—such as third-party databases—are actively pursued

• Compilation of data from all sources into formats suitable for statistical comparison

• Extrapolation and benchmarking to perform comparative analyses and assess compliance with regulatory and contractual standards

• Generation of reports, conclusions, and numerical summaries based on discovery methodologies

• When necessary, we prepare expert witness reports that are clear, concise, and accessible to non-technical audiences