YES provides nationwide, portfolio-based, streamlined and cost-sensitive real estate collateral screening. The snapshot includes environmental, property condition, security and valuation due diligence and risk management.This screening tool adds clarity to mortgage portfolios by combining a desk top environmental review with a boots-on-the-ground technical drive-by site inspection focused specifically on environmental concerns, deferred maintenance issues, and the general well being of the site and its surroundings. The desk top valuation includes market trends, number of sales in the trailing 12 months, range of sales, and market value range. The YES deliverable is a color-coded, easy-to-read spreadsheet (portfolio roadmap) that provides risk ratings (calibrated to client) and estimated cost-to-cure and time-to-cure information. The YES Collateral Snapshot™ will allow managers to make definitive risk management decisions when deciding whether to sell, buy, warehouse, or workout mortgages.
Collateral Information Flow
Due to the upheaval in the real estate lending market the normal flow of site information is broken. Portfolio decision-makers need current reliable site data to develop options and seize opportunities. YESreestablishes information flows by researching, organizing, and providing accurate site data and analysis.
With up-to-date site information decision-makers can bundle assets for sale or warehousing, prioritize workout assignments, and provide meaningful information to senior management and stake holders. YES provides the data necessary to execute efficient decision making and create effective mortgage portfolio strategies.
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