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A Wide Range of Services

Offering document, compliance, and default solutions
for mortgage lenders and servicers

Document Preparation and Review Services

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Document Preparation Services

We prepare and review your loan documents using our state of the art Docs on Demand® document preparation and compliance system. Docs on Demand performs hundreds of automatic compliance audits on the loan data entered. Some primary audits include the TILA-RESPA Integrated Disclosures (TRID) fee variance test, Ability to Repay (ATR) Qualified Mortgage (QM) 3% fees and points test, Section 32 high cost loan test, Section 35 higher priced mortgage loan (HPML) test, Mortgage Disclosure Improvement Act (MDIA) APR test, mortgage insurance compliance audit, and escrow compliance audit. You may send orders electronically via interface utilizing common loan origination software systems. To facilitate the secure upload of supporting documents and view real-time service status, you will be given a free account with our web-based Docs on Demand system. Our service includes preparation of the Closing Disclosure and a quality control review. The Closing Disclosure may be delivered for e-sign by the borrower and loan documents may be delivered via email with a link to the documents in PDF format.

service process overview
  • Lender orders loan documents via interface
  • Lender uploads supporting documents
  • We prepare and review loan closing documents
  • We deliver draft Closing Disclosure for lender approval
  • We deliver compliant 3-day Closing Disclosure
  • We deliver loan closing documents to settlement agent
Document Legal Review Services

We review primary Texas loan documents and prepare supplemental loan documents using our state of the art Docs on Demand document preparation and compliance system. You may send orders electronically via interface utilizing common loan origination software systems. To facilitate the secure upload of supporting documents and view real-time service status, you will be given a free account with our web-based Docs on Demand system. Upon completion, we provide to you a review findings report that includes a list of any necessary corrections to the documents that we have reviewed.

Fulfillment Services
Funding & Post-Closing

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Funding Services

As part of our Funds Request service, we request funds from the warehouse lender using an advance request process. Then, as part of our Pre-Funding Review service, we instruct the settlement agent after loan closing to send to us the Closing Disclosure and other primary loan documents, such as the promissory note and security instrument, along with the closing conditions shown on the Closing Instructions. Upon receipt of these documents, we review the Closing Disclosure and other primary documents for accuracy and proper execution. Finally, we issue funding authorization to the settlement agent to authorize funds disbursement. We also perform commercial loan document preparation services.

service process overview
  • We request funds from the warehouse lender
  • We review primary loan documents after closing
  • We issue funding authorization to the settlement agent
Post-Closing Services

The settlement agent is instructed to return the closed loan package to our office after loan funding. We then stack the documents in the order specified by the investor. We review the documents and coordinate the retrieval of missing documents. Before delivery, we archive an electronic image of the package in our secure Docs on Demand system, where it may be viewed, printed, and saved. Trailing documents are returned to our office for tracking, imaging, and forwarding to the appropriate investor. Finally, we coordinate the clearing of loan purchase suspense items that may arise from time to time.

service process overview
  • Settlement agent returns closed loan file to us
  • We review, stack, image, and deliver closed loan file
  • We coordinate clearing of any loan suspense items
  • We receive, image, and deliver trailing documents
“Robertson Anschutz Vetters, LLC has the most well-informed consumer real estate associates and attorneys in the State of Texas.”
— Client, Dallas, Texas
“We have been a longstanding client of RAV because of their service and because of the investment they have made in the people and systems that support us.”
Client, Houston, Texas
“Always do such a great job for us. Thanks for the incredible service over all of these years.”
Client, Houston, Texas

Regulatory Compliance & Attorneys on Demand

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Regulatory Compliance Services

We provide a wide range of federal and state regulatory compliance services for financial institutions nationwide.

  • Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission Rules
  • Policies, Procedures and Manuals
  • Compliance Management Systems and Programs
  • CFPB and State Examination and Audit Preparation
  • Compliance Monitoring and Quality Control Systems
  • Training
  • Consumer Protection Law Expertise and Guidance
  • Truth in Lending Act and Regulation Z
  • Disclosures
  • Ability to Repay (ATR Rule)
  • Qualified Mortgage (QM Rule)
  • Loan Originator Compensation Rule
  • TILA/RESPA Integrated Disclosures
  • Fair Lending and Disparate Impact
  • Equal Credit Opportunity Act (ECOA) and Regulation B
  • Fair Housing Act
  • Real Estate Settlement Procedures Act (RESPA) and Regulation X
  • Section 8
  • Affiliated Business Arrangements
  • Marketing Services Arrangements
  • Desk Rental Arrangements
  • Home Mortgage Disclosure Act (HMDA)
  • Fair Credit Reporting Act
  • Fair and Accurate Credit Transactions Act (FACTA) and
  • Identity Theft Red Flags Rule
  • Fair Debt Collection Practices Act
  • Right to Financial Privacy Act
  • Privacy Laws
  • Gramm-Leach-Bliley Act
  • State Privacy and Data Breach Laws
  • CAN-SPAM Act (Controlling the Assault of Non-Solicited Pornography And Marketing Act of 2003)
  • Telephone Consumer Protection Act
  • Do Not Call Implementation Act and
  • Do Not Call Registry
  • Truth in Caller ID Act
RAV Attorneys on Demand Program

A Legal and Compliance Support Plan Tailored to Meet Your Needs

RAV is offering legal and compliance services tailored to fit your needs.  The mortgage industry is facing its biggest compliance challenges ever, along with much more aggressive enforcement of laws and regulations by federal and state agencies. It has become especially difficult to meet these challenges without having your own legal team dedicated to your needs. That is why RAV is offering affordable legal services to help you navigate the issues you face. By signing up for the unique RAV Attorneys on Demand program and paying an affordable annual retainer fee, you’ll receive access to RAV's team of experienced residential mortgage lending attorneys for all of your routine legal and compliance needs throughout the year.

What does RAV mean by routine legal and compliance needs? It means RAV will give you timely consultation and advice regarding the routine and day to day general legal and compliance issues that your Company may encounter. This includes legal questions, reviews and guidance on issues that arise in the day to day operation of your company. For issues and projects that require significant review and drafting, representing you before government agencies, or extensive staff training, the firm will advise you upfront and give you an estimate of the overall anticipated fees before work commences.

The RAV Attorneys on Demand program will also receive the benefit of webinar-based training sessions on timely legal and regulatory topics in which your employees may participate. Electronic versions of written training materials will be provided and questions submitted by email in advance and during the webinar sessions will be answered prior to completion of each webinar. Certificates of Participation will be issued, upon request, to all employees who attend a training session. Documenting the training of your employees is an important part of establishing your credibility with your investors, warehouse lenders, and the agencies that may audit your operations.  We understand courses required for licensing are mandatory, but our goal is to not only provide the answers but make recommendations about best practices with a focus on your size, your goals and specific issues related to your operations.

The specifics of the RAV Attorneys on Demand program are spelled out in detail in the form of a retainer agreement. That agreement provides a description of what services fall within and outside the scope of the program but RAV will be more than happy to answer any specific questions you have, now or during the term of the agreement.

In order to ensure RAV has adequate resources available at all times to meet your needs, RAV will be limiting the number of participants it enrolls. Secure your spot today by contacting Stephen Bertrand at or 972-459-7286. Every good company should have RAV Attorneys on Demand.

Tom King leads our regulatory compliance services team

Default Legal Services
and Foreclosure

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Default Legal Services - Texas and Oklahoma

We perform Default Legal Services for all 254 Texas counties. Servicers of all sizes are represented and services are customized to meet the specific needs of each servicer. Loss mitigation includes deeds in lieu of foreclosure and facilitating short sales.

  • Foreclosure (including Texas Home Equity Loans and Reverse Mortgages)
  • Loss Mitigation
  • Loan Modification
  • Eviction
  • Bankruptcy
  • Deceased Mortgagor Default Solutions

Our firm is a trusted solution for mortgage loan servicers. The financial services industry relies on our team of knowledgeable and experienced lawyers for complete foreclosure, loss mitigation, eviction, bankruptcy, and deceased mortgagor foreclosure solutions. With a wealth of experience, a focus on loss mitigation, and advanced technology, we offer the solutions you need for your loan servicing business.

Wealth of Experience

Our lawyers gained invaluable experience in foreclosure, bankruptcy, and eviction proceedings during the financial crisis of the late 1980’s when an unprecedented number of defaults occurred throughout the Sunbelt region. James L. Robertson, Everett Anschutz, and Ruth Garner practiced foreclosure law during that time and represented lenders, the VA and FHA offices in Texas, and mortgage insurance companies. We represent lenders and servicers of all sizes including some of the top servicers with multi-billion dollar loan portfolios.

Focus on Loss Mitigation

While we customize our services to meet your specific needs, our unique and acclaimed practice of helping facilitate communication with borrowers has proven successful in mitigating loss for lenders. In addition to speaking directly with borrowers, we help ensure all options have been explored and evaluated before foreclosing. Additionally, loss mitigation includes, among other things, negotiating and completing deeds in lieu of foreclosure and facilitating short sales.

Advanced Technology

We are able to utilize all loan servicing systems, including the widely-used LPS system. Additionally, our firm’s advanced proprietary software system provides us with customizable service management resources that help achieve the results you need.

The managing attorney for our Default Legal Services is Clare V. Cougill
Email: - Phone: 713-980-9565
the next step?

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