Custom Writing Services

Take the pain out of production and get content perfectly tailored to the way you do business. Whether it’s in-depth custom authorship, collaborating to produce custom operational guides, or documenting Encompass persona-based workflows, we can help.

If you’ve created your own guidance, our experts can help with policy library audits, documentation reviews, gap analysis, presentation upgrades, and constructive feedback.

Afterwards, keep your critical documentation current and in compliance with our customized maintenance service. We can also help with most custom projects not mentioned.

Service Areas

Custom Offerings
  • Custom Reference Materials
  • Underwriting Guides
  • Retail & TPO Lending Guides
  • Servicing Guides
  • Product Guides
Existing Document & Policy Review Offerings
  • Documentation Reviews & Recommendations
  • Regulatory and Best Practice Gap Analysis
  • Presentation Upgrades

Custom Development

Meet business needs and strict mortgage industry regulatory requirements by updating your operational guides and related materials.

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  • Define rules, directives and requirements
  • Establish accountability
  • Address specific requirements (reviews, training, audits, etc.)
  • Stay current, clear and compliant


This option focuses on loan analysis and related underwriting requirements, including borrower, transaction and property eligibility, and appraisal requirements. Because product or program guides are integral to the underwriting function, they are included in the underwriting guide table of contents, with the expectation that these guides exist and are either referenced (linked) or included directly within the guide. The approach selected will impact the development budget, with the referenced product guides being the least time intensive. Development of product or program guides is not included within underwriting guide development, but may be undertaken as an additional project.

The underwriting guide table of contents also represents options for content related to the underwriting of FHA, VA, USDA, and reverse (HECM) mortgages. While any and/or all of this content may be included within the underwriting guide under development, each of these will increase the budget incrementally, and are not included within the minimum project time noted below. The minimum project time considers development of an underwriting guide, as indicated in the sample.

Minimum project time:

35 hours

Underwriting Guide Sample



Servicing guides are an essential and required part of any servicing operation. The CFPB and other regulators now audit for regulatory compliance as well as consumer complaints and UDAAP. A comprehensive servicing guide will help your operation run more smoothly and serve to document policy and process for auditors.

Servicing guides are complex, less defined by the agencies and more unique to each servicer. As such, existing policy and process must be incorporated into the guide as part of the development process. The base guide includes most all information related to servicing or administering conventional loans for your organization or on behalf of an agency or investor. Additional content is available to address servicing of loans for FHA, VA, USDA and Ginnie Mae. A Servicing Guide may contain

  • Policy
  • Process
  • Fiduciary Responsibilities
  • Custodial and Remittance Responsibilities
  • Transfer Requirements
  • Payment Processing
  • Customer Service
  • Delinquency Management and Default Prevention
  • Foreclosures, Conveyances and Claims, Acquired Properties
  • Sub-Servicing"

Minimum project time:

45 hours

Servicing Guide Sample



Product Guides provides loan level product specific eligibility and qualification requirements. Most commonly presented in matrix or tabular format, they are the product information the majority of users are accustom to reading. This is also the information which experiences the greatest rate of change with updates occurring as frequently as daily. We recommend that a product guide focus upon what distinguishes that product from standard requirements rather than reciting each eligibility element repeatedly across multiple products.

The scope of such a project will vary with the number of products offered, the depth of information to be presented and the format in which the information is presented. Overlay or presenting the variances to established guidelines is simplest. The more data conveyed the larger the project scope. Format also impacts budget. While common and desired for many reasons, table or matrices require more development time than narrative formats.

Minimum project time:

30 hours


The Lending Guide provides operational and transactional guidance to lenders producing loans in a retail environment. Lending Guides offer an alternative to simply posting matrices and releasing bulletins to communicate with origination staff.

At AllRegs, a Lending Guide may include

  • Regulatory Compliance (summary format)
  • Borrower eligibility
  • Transaction eligibility
  • Property eligibility
  • Underwriting process
  • Quick reference guides
  • Bulletins
  • Exhibits

Minimum project time:

35 hours


A seller guide is a large document or collection of content, which includes all information related to originating or selling loans (doing business) with your organization. Similar titles may include wholesale, broker, correspondent, or TPO guide. Every organization with a wholesale channel generally has such a guide. They vary in scope from the comprehensive guides published by Fannie Mae and Freddie Mac to very minimalistic guides. A Seller Guide may contain:

  • Seller’s eligibility and performance criteria
  • Registration, pricing and delivery requirements
  • Appraisal and property standards
  • Representations and Warranties
  • Contractual requirements or related references
  • Regulatory compliance requirements
  • Product Guides

Because product or program guides are integral to the wholesale channel, they are included within the seller guide table of contents, with the expectation that these guides exist and are either referenced (linked) or included directly within the guide. The approach selected will impact the seller guide development budget, with the referenced product guides being the least time intensive. Development of product or program guides is not included within the seller guide development, but may be undertaken as an additional project. It is expected that you will have legal counsel to support the drafting of related content, such as contracts, representations and warranties. AllRegs® does not provide legal services, and the authorship or validation of such documents shall be considered out of scope. AllRegs® will only review, revise, format, and style client-supplied content.

Similarly, it is expected that the client has legal counsel to support the drafting of related content such contracts, representations and warranties. AllRegs does not provide legal services and the authorship or validation of such documents is out of scope. AllRegs review, revise, format, and style client supplied content.

Minimum project time:

45 hours

Seller Guide Sample



A well-documented credit policy figures prominently in an organization’s risk management strategy. A credit policy sets forth the criteria that an organization has developed to maintain its credit objectives. Establishing and adhering to high quality credit standards ensures that the organization is prepared to mitigate the risk of loss which could occur as a result of ill-advised credit decisions. At the same time, a strong credit policy enables the entity to extend credit to qualified applicants. Credit policy is very specific to each organization with respect to its lending profiles and risk appetite. A credit policy in the context of residential mortgage lending includes pertinent topics such as compliance, lending limits, transaction eligibility, acceptable property types, appraisal of collateral, and evaluating the credit worthiness of potential borrowers.

Minimum project time:

35 hours


For services that fall outside of the menu items provided, an AllRegs Account Manager with appropriate Professional Services staff will work with the client to determine if the engagement is within scope for a custom project, which will be processed through a traditional proposal and pricing bid.

Minimum project time:

40 hours

Encompass Persona Based Workflows

These workflows clearly document and define role-based job duties and best practices for Encompass users unique to your organization. The documentation developed is customized to your business and delivers a blend of narrative and illustrative content, with clearly defined step-action procedures for each job role. These documented workflows serve as useful guides to staff, setting clear expectations for job duties, while also indicating compliance impacts within the loan lifecycle and steps to mitigate potential risk.

Encompass Persona Based Workflows Datasheet


Policy Library Audit

Get the most impactful documentation solution for your business, with a thorough review of your existing operational policy library to ensure it’s consistent and up-to-date. This service is ideal when your existing content is spread across many sources. It also helps identify and adjust content that may not comply with current regulatory requirements or industry standards. It’s also a key step in developing your Compliance Management System.

Review includes
  • Existing Policies & Directives
  • Overlays
  • Reporting Requirements
  • Outdated Manuals
  • Work-in-Progress Content
  • Emails, Bulletins, & Updates

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Minimum project time:

25 hours

Custom Projects

Need something different? The AllRegs® team can provide a consultative review, and work with you to determine if the engagement is within scope for a custom project. If so, we will present a specialized proposal and pricing bid.

Minimum project time:

40 hours

Procedure Templates

A Complicated Issue

Today’s mortgage lending industry is a complicated landscape. With more regulatory requirements than ever, and pending risk at the front of every organization, it is important to have policies and procedures documented and in place. AllRegs has developed stand-alone procedure templates as a complimentary product to our library of policy manuals, to support mortgage banking procedural efforts. These procedures are operational in nature, meaning they outline the steps or process needed in order to implement the requirements and related steps required by the organization’s operational staff.

  • Ability to Repay
  • Advertising and Marketing Compliance Validation
  • Appraisal and Other Written Valuations Requirements
  • Audit Process Management
  • Changed Circumstances and Good Faith Estimates
  • Completing the Good Faith Estimate
  • Completing the Settlement Statement
  • Electronic Signature Requirements
  • Ensuring SAFE Act Requirements
  • Identifying , Documenting, and Resolving Consumer Complaints
  • Incomplete Application Notifications
  • Initial and Revised Disclosures
  • Integrated Disclosures - Closing Disclosure
  • Integrated Disclosures - Loan Estimate
  • Integrated Disclosures - Revised Closing Disclosure
  • Integrated Disclosures - Revised Loan Estimate
  • Inquiry and Application
  • Notification of Action Taken
  • Payment Application
  • Preventing Loan Steering
  • Qualified Mortgage
  • Red Flags Identity Theft Plan Procedure
  • Requesting a Foreclosure Loan File
  • Suspicious Activity Reporting