Our Mortgage Risk Mitigation services support pre-funding and post-closing requirements through tailored mortgage investigations for originators, insurers, investors, and servicers. Our customized desktop reports and field visits help you make informed decisions and reduce mortgage risk effectively.

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What is an Occupancy Check and Why Would a Mortgage Company Do One?

Frasco is

and helps your business identify and mitigate risks.

Mortgage Risk Mitigation Solutions:

Forensic & Fraud Reviews:

Our primary focus is to determine if misrepresentations exist, what false information was presented and by whom, and to prevent losses due to fraud.

Occupancy Investigations:

We offer both desktop and field investigations to verify who occupies a property. Reviews include public, vehicle and social media records.

Employment Investigations:

Frasco’s investigators can determine the legitimacy of a purported employer or business, including a detailed review of business records and site visits.

Verification Services:

Verification services include employment, income, asset and credit verification. The mortgage risk mitigation team can review and verify your loans to meet pre-funding and post-closing turn times.

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Services

Forensic & Fraud Reviews:

Borrower Interviews

Obtain borrower interviews (or interviews of any relevant party to the transaction) and supporting documentation including signed statements and copies of original documents (not found in the origination loan file).

Employment / Income

Verify employment and income history.

Re-Verifications of Deposit & Source of Funds

Verify the reported assets and source of down payment.

Occupancy

Determine if the borrower intended to occupy as a primary residence or if a misrepresentation was made in their intention to occupy, including occupancy prior to, during and after origination.

Learn About Video Occupancy Verifications

Undisclosed Debt / Mortgages

Determine and secure evidence regarding mortgages and/or debts undisclosed at the time of origination.

Re-Verification of Origination Documents

Verify documents such as verification of rent, verification of mortgage and other letters of explanation.

Straw Buyers

Determine if the transaction was for a third-party not identified in the loan application. Interviews attempts include borrowers and true occupants.

Identity Theft

Verify the validity of borrower identity theft claims. If warranted, assist the victim in the proper reporting of the claim and investigate the identity of the perpetrator.

Read Our Expert Insights

Services Include:

Interviewing of Relevant Parties

Interview the borrower/seller, new buyers, real estate agent or third-parties.

Re-Verifications of Income & Assets

Verify income and assets used for qualification.

Confirmation on Hardship Reason(s)

Common examples include illness or injury, change of employment status, loss of income, natural disasters, divorce, death, and/or military deployment.

Re-verification of Critical Documents

We offer re-verification of critical documents to ensure accuracy and authenticity throughout the loan process.

Social Media Searches

Review social media profiles for misrepresentations.

Fully Customizable Reporting

Our fully customizable reporting service is designed to meet your unique requirements, providing detailed insights and tailored reports that give you a comprehensive understanding.

Evaluation of New Credit Report

Detailed review of credit history, including undisclosed accounts, repayment history and total debt.

Maximize Your Occupancy Verification Strategy:

Free White Paper Out Now

Discover proven occupancy verification tactics, reduce risk exposure, and ensure compliance in today’s evolving lending environment.

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What Our Clients are Saying

Five-Star Ratings from our Clients

The level of detail in the investigation report was incredible. Every aspect was covered thoroughly, leaving no question unanswered.

– Director Compliance & Operational Risk

Every observation was well-detailed, helping us gain a clear and complete understanding of the situation.

– Director Business Risk & Control

Watch the Latest Panel Discussion

As the market anticipates a rate decrease, risk teams must navigate the changing landscape. Experts will explore implications for the mortgage industry, addressing challenges, opportunities, and strategy adaptation. Key topics include rate impacts, risks, opportunities, QC, compliance, and ROI.