Pipeline Hedging and Sales:
Pipeline hedging and sales involves daily management of interest rate risk, credit risk, and the sale of inventory through bulk trades, forward trades, and assignments of trade, to name a few. This also includes direct trades with Fannie Mae, Freddie Mac, and Ginnie Mae, using ExMor Capital’s proprietary G-fee and exclusive flow servicing purchasers. Daily rate sheet generation, intraday monitoring, risk reporting, and daily P&L recap/shock scenario reporting are also part of this core service.

For larger clients that want to handle all sales themselves, daily management of interest rate risk and credit risk along with analytical reporting is available.

Best Efforts to Mandatory Transition:
This service is for the best efforts seller who is ready to expand their options and improve execution beyond the best efforts flow model. This includes daily pipeline management and interest rate risk management along with daily rate sheet generation and intraday monitoring, risk reporting, and daily P&L recap/shock scenario reporting.

Fannie Mae, Freddie Mac, & Ginnie Mae Approval Advising:
ExMor Capital also assists clients who are financially ready to be approved by the agencies and assists them with the process as well as setting them up operationally and from a secondary marketing perspective to make the transition. Through our partnership with USA Loan Network our clients receive priority with the agencies as well as a host of pricing advantages exclusive to USA Loan Network members.

Full Service Trading Desk:
ExMor Capital provides clients with a full service trading desk. Our desk can assist clients with MBS trading, managing bulk sales, whole loan trading and scratch and dent sales. Our desk also helps clients looking to buy whole loans with analytics, modeling and portfolio valuation.

Third Party Reporting and Analytics:
ExMor Capital provides reporting and analytics for clients who need a third party audit and risk assessment of their secondary marketing operation and execution strategy. This is a great tool for owners of mortgage originators who want an objective assessment of their risk profile and the execution strategy they are employing. These audits can be a one-time service, or as an annual, quarterly or monthly report.

ExMor Capital provides FAS-133 reporting and SAS-70 audit reporting:
FASB-133 reporting addresses the effectiveness of instruments used in hedging an asset. ExMor Capital has a full suite of reports specifically designed to determine the effect your hedges have on your profitability, and provides your firm with the FASB-133 reporting it needs. We can also run “what if” scenarios to determine how the use of different hedging instruments affect your bottom line.

SAS-70 is a report on transactions by service organizations, required for public companies when transactions are processed on an outsourced basis. A SAS-70 audit looks, in detail, at how critical private information is handled. ExMor Capital’s software systems have been certified through the difficult SAS-70 audit, so you can feel confident that your data is secure.

Policy/Procedures and Guideline Advising:
ExMor Capital offers advising in the review (updating) of existing policies, procedures and guideline documents, as well as, developing these documents based on the best practices of the industry. The development and ongoing maintenance of these documents transforms organizational performance. ExMor Capital's consulting practices defines and promotes sound policies, procedures and guidelines to be a management and technical communication specialty that provides peak performance improvement.

Merger and Acquisition Consulting
ExMor Capital specializes in helping medium to small sized companies grow by acquisition or by the use of private equity funding. We also assist clients, who are looking to consolidate, find the right partner that allows them to become part of a bigger team. One of ExMor Capitals strengths is aligning mortgage bankers of similar size to achieve economies of scale and capital markets efficiencies. ExMor Capital provides companies with the expertise they need to make solid decisions when evaluating opportunities on the buy-side or sell-side.