Mortgage Services

Mortgage Services

We provide quality outsourcing solutions that are cost effective to US real estate industry. With deep domain expertise, we enable our customers to be more efficient in improved turnaround time, quality and variable cost.

Personalised Mortgage Solutions

JOY Consulting distinguishes itself through responsiveness, convenience and superior service delivery. We continuously focus on eliminating last minute delays and saving you money by leveraging our extensive network and comprehensive offering of settlement services. Through a commitment to a set of processes, values and operational innovations, we focus on building trust with our customer-base. We take time to identify customer segments and strive to provide tactics and specific service offerings that address each clients unique needs. Our efficient processing, express delivery and experienced associates ensure an on time, successful service, every time.

  • We have coverage to 3200+Counties across all 50 states. Extensive Independent Abstractors network for quick turnaround & accurate output.
  • A comprehensive Tax report includes Pre-Closing Tax Certificates, Municipal Lien & Code Violation Reports, Tax Lien Set-Up and Portfolio Analysis.
  • Transactional model, tier & bundled pricing, special discounts for bulk orders
Title Agency Production
Residential and Commercial
  • Current owner search.
  • Two owner search
  • Full search
  • Commercial search.
  • 60 years search
  • Cell Tower Search
  • Title Commitment/Preliminary Reports
  • Bankruptcy Search.
  • Lien & Judgment Search
  • Date downs.
  • Mortgage search
  • Deed search.
  • Assignment search
  • Document retrieval.
We prepares the commitment report using the information
Schedule A
  • Effective Date
  • Proposed Buyer/ Lender informationIntegrating existing legacy apps
  • current vesting owner and (current deeds recording informa
Schedule B
  • Section 1 (requirements)
  • Section 2 (exceptions)
Schedule C
  • legal description.
  • Property report
  • Commitment report.
  • Mortgage report
  • Title report.
  • Foreclosure report
  • O & E report
  • Preliminary report
Settlement Solutions
  • HUD Preparation
  • Payoff Services
  • Pre-closing Audit
  • Policy Production.
  • Post Closing and Recording
  • Escrow and other settlement services
Policy Typing and Preparation

To determine ownership and identify any
conditions and restrictions affecting the
parcel being acquired, obtain a title
commitment report prior to purchase.

Tax Certification

We provide tax certification services with information obtained from Online sources and by calling Tax Agencies.

Tax Searches
  • Researching the current Tax information of the property through online / calling the tax office and preparing the report which includes delinquent and exemptions if any
  • Current/Regular Taxes
  • Foreclosure Taxes
  • Municipal Lien Searches.

Basic Flood Zone Determination:

We complete basic Flood Zone Determinations with the following information

  • Property legal information from county/city departments like, APN, Lot number, Block number, Sub Division name etc.,
  • Key FEMA FIRM details including community name and number, panel number, suffix, and date of issue.
  • Sending a notice to the borrower for all properties in and out of a Special Flood Hazard Area (SFHA) through client proprietary applications if available.
  • Home Mortgage Disclosure Act (HMDA) data

 

In addition we also provide the following services:

  • Life of Loan Flood Zone Determination
  • LOMA/R/C
  • Special Properties Determination
  • Portfolio Services
  • Disputed Determination with Map Exhibits
  • Plotted Easement
Abstractor Network / Cost Effective
Strong Abstractor Network

With a strong Independent Abstractor network in all states, we have coverage to 3200+ counties and adding more, covering both online and ground abstracting in all counties.

Abstractor Keying

Preparation of commitment or preliminary report by capturing the data from the search package into the title production system we have ground abstractor in all the states and counties

We provide solutions to grow your business

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