Security

To ensure borrower privacy and security, ARS collaborates with Secure Insight — the industry’s first provider of a standardized risk-management platform. Secure Insight’s system offers advanced closing-fraud detection and fully complies with federal guidelines for third-party vendor oversight. Their process meets the risk-management standards set by the CFPB, OCC, HUD, FDIC, Fannie Mae, Freddie Mac, and the National Credit Union Administration, helping protect all parties involved in the transaction.

Secure Insight at a Glance

Protected By :

Secure Insight’s mission is to provide the mortgage banking industry with the highest level of protection through comprehensive vetting, continuous monitoring, and nationwide reporting of closing professionals’ identities, backgrounds, and credentials.

All closing agents who complete Secure Insight’s vetting process—including ARS—commit to following these established Best Practices:

Only qualified professionals who are properly licensed, insured, and trained should conduct closing transactions.
Closing agents must maintain professionalism, offering courteous and respectful service to borrowers and all parties involved in the loan process.
Borrower identity must be verified to the satisfaction of the closing professional before any closing can proceed.
All closing documents and lender fees must be returned to the lender by overnight mail within 48 hours of the closing, excluding weekends and federal bank holidays.
Any suspicious or improper activity at the closing table—such as off-record payments, unusual sources of funds, large cash transactions, or contract flips—should be reported to the lender immediately.
Attorneys must avoid dual representation of both buyer and seller unless both parties provide full written disclosure and authorization.
HUD settlement statements may not be altered or updated without the lender’s approval.
Borrower information must be protected and handled securely at all times.
Closing professionals must be well-prepared, knowledgeable, and able to answer reasonable borrower questions regarding the mortgage closing documents.
If a borrower decides to cancel, the closing professional should accommodate their decision and promptly inform the lender.