Trusted Since 1950
Hinton Mortgage & Investment Co. was founded on June 1, 1950 by Charles F. Hinton Jr. (C.F. Hinton). For over 50 years, Hinton Mortgage has financed thousands of home loans for satisfied customers. We have been involved in every aspect of the mortgage industry and we have significant experience building and managing mortgage banking platforms.
Hinton Mortgage & Investment Co. is a boutique consulting firm for financial services clients in the residential and commercial mortgage industries. We offer a range of specialized services for regulated financial institutions, banks, mortgage banks, and mortgage companies.
Our Services
Secondary Marketing & Loan Delivery
- Development, documentation, and deployment of secondary marketing strategy to maximize loan sale profits, improve price competitiveness, increase efficiency, and reduce risk, including consideration of
- Whole loan sales (mandatory delivery) to Fannie Mae, Issuance of Ginnie Mae/Fannie Mae MBS,
- Identification & negotiation of master bulk flow commitments
- Development of secondary marketing reports to manage and monitor loan sale profitability, and report risk in accordance with applicable accounting and regulatory standards
Securitization
- GNMA / FNMA MBS
Policies & Procedures & Operations
- Preparation and/or review of documents to meet internal audit standards and external regulatory requirements
- Development/documentation of Secondary Marketing Policy and alignment of such policy to any change in strategy
- Training of operations staff for new concepts that are introduced in any new loan sale or product development strategy (mortgage backed securities, shipping differences, investor accounting differences, loan pooling procedures)
Technology Assessment & Systems Integration
- Identification, creation, and integration of systems necessary to efficiently report and manage loan level pricing, lock loans, pipeline management and secondary marketing strategy
- Lock automation
- Secondary market and pipeline reporting
- Integration with existing systems
- Systems Security Assessment for any chosen systems to meet FFIEC security and privacy guidelines and OTS/OCC regulations.
Loan Servicing
- Evaluation and purchase of mortgage servicing rights
- Loan accounting
- Investor reporting
- Systems design and implementation
