Private Mortgage Insurance

Millions of dollars are lost to mortgage fraud each year and Private Mortgage Insurance (PMI) carriers need investigators they can trust to help them research suspicious cases. ICS Merrill, the investigative services division of EMSI, can uncover PMI fraud to help you minimize your losses.

We begin by analyzing case documents, identifying any suspicious areas and designing a plan of action. Then we hand the case over to our in-house PMI investigators, who verify case data and gather preliminary evidence by scouring databases and other online sources. This step controls costs and speeds turnaround time. The case then goes to our field investigators, who bring home the evidence needed to prove whether a loan was based on fraudulent information.

We leave no fact unchecked in our search for evidence and thoroughly investigate all aspects of the loan at the time of origination. Whether you suspect a lender or borrower of fraud, we get to the truth. We know how individuals attempt to commit PMI fraud. We check all common types of material misrepresentation, including employment, income, occupancy, assets, debt and the source of down payment funds.

In addition to our information searches, we also interview borrowers, employers, landlords, neighbors and all other relevant parties to gather the facts needed to verify case information.

You can track all of your PMI cases using SmartPartner^TM, our case-management system. SmartPartner lets you review case details anytime through our secure, easy-to-use Web portal. When an investigation is complete, you will receive a comprehensive report delivered within 30 days of case assignment.