Mortgage and Housing Finance
Mortgage and housing finance companies play a foundational role in helping consumers and businesses access real property ownership and capital. FS Vector helps mortgage originators, servicers, and housing finance innovators navigate a complex and heavily regulated environment with confidence.
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- Licensing and state compliance. We support mortgage lenders, brokers, and servicers in obtaining and maintaining state licenses and registrations across all 50 states and territories, including NMLS filings and ongoing renewal and reporting obligations.
- Product design and development. We advise on the regulatory implications of mortgage and housing finance products, including first and second lien mortgages, home equity lines of credit (HELOCs), reverse mortgages, shared equity and down payment assistance programs, and non-QM lending products.
- Bank partnership programs. We assist firms in structuring and managing relationships with depository partners and warehouse lenders, including compliance oversight frameworks and risk management protocols.
- Regulatory advisory. We provide hands-on guidance on federal and state mortgage regulations, including RESPA, TILA and Regulation Z, HMDA, ECOA and Regulation B, the Ability-to-Repay and Qualified Mortgage rules, TRID disclosure requirements, and state-specific mortgage laws.
- Market entry and strategic roadmaps. Mortgage and housing finance companies engage us to plan geographic expansion, new product launches, and entry into adjacent markets such as title, insurance, and real estate services.
- Examinations support. We provide comprehensive support for state mortgage examinations, CFPB reviews, GSE audits, and investor compliance assessments, including preparation, response coordination, and remediation planning.
- Government relations and advocacy. We represent mortgage and housing finance companies before federal and state regulators and legislators on issues affecting housing access, mortgage regulation, and GSE policy.
- CFES membership. Mortgage and housing finance companies join the coalition to collaborate with industry peers and advocate for policies that support housing access and financial inclusion.
Our mortgage and housing finance clients include those operating across:
Residential mortgage origination and brokerage
Mortgage servicing and subservicing
Home equity lending and HELOCs
Reverse mortgage products
Non-QM and alternative mortgage lending
Construction and renovation lending
Down payment assistance and shared equity programs
Secondary market and mortgage-backed securities operations
PropTech and digital mortgage platforms
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