Compliance and Quality Control You Can Trust
FRMI ensures every loan, transaction, and client interaction meets the highest standards of accuracy, integrity, and compliance with California and federal regulations.
Our Commitment to Compliance
We maintain the highest standards of regulatory compliance across all our services, ensuring transparency, integrity, and protection for all stakeholders.
CalBRE
State LicensedFull compliance with state real estate regulations and broker licensing requirements. Continuous monitoring and updates ensure adherence.
California DFPI
Fully RegulatedDepartment of Financial Protection and Innovation compliance with rigorous financial lending standards and consumer protection protocols.
NMLS Mortgage Rules
NationwideNationwide Mortgage Licensing System adherence ensuring consistent mortgage origination standards across all states.
CFPB & Federal Laws
Federal ComplianceConsumer Financial Protection Bureau compliance with federal lending laws protecting borrowers and maintaining industry standards.
Why Quality Control Matters
Our rigorous quality control processes protect everyone involved in every transaction
Protects Clients
100% VerifiedEnsures fair lending practices, accurate property valuations, and secure transactions for every client we serve. Our comprehensive checks prevent errors and protect your interests.
Protects Investors
Risk MitigatedAssures that all loans funded meet strict underwriting standards, minimizing risk and maximizing returns. Our due diligence process identifies and mitigates potential issues before funding.
Protects FRMI's Reputation
Industry TrustedReinforces trust in every deal and maintains our standing as a reliable financial partner. Our commitment to excellence builds long-term relationships and industry recognition.
Zero Tolerance Policy
We at FRMI will not tolerate loan fraud and are committed to cooperating with local, state, and federal authorities to safeguard clients, investors, and partners.
How Our Quality Control Works
Our comprehensive step-by-step process ensures every transaction meets our high standards. Each stage is meticulously reviewed by our expert team.
Pre-Funding Audits
Comprehensive review of all loan documentation before funding. Our audit team examines income statements, debt ratios, property values, and legal compliance to ensure accuracy and regulatory adherence.
Credit Verification
Thorough verification of borrower creditworthiness and history. We analyze credit reports from all three major bureaus, payment patterns, and credit utilization to assess financial stability.
Employment Re-Verification
Current employment status and income verification through direct contact with employers. We confirm job stability, income consistency, and employment terms to validate financial capacity.
Tax Return Validation
Verification of tax returns and financial documentation with IRS transcripts when necessary. Our team cross-references W-2s, 1099s, and profit/loss statements to ensure income accuracy.
Self-Employed Borrowers
Specialized review process for self-employed applicants including business bank statements, profit margins, and cash flow analysis. We evaluate business stability and income sustainability.
Appraisal Review
Independent appraisal verification and property valuation by certified appraisers. We ensure property values are accurate, comparable sales are valid, and all property characteristics are properly documented.
Licensed & Bonded
Trust in our credentials and commitment to excellence. Our licenses and bonds provide you with confidence and protection.
Trust & Transparency
At FRMI, compliance is not just policy — it's our promise. Every loan we originate, every property we represent, and every funding we provide undergoes rigorous quality control to protect you.