United Mortgage is a mortgage company located in Fayetteville, North Carolina. The primary objective is to provide mortgage financing to the community. 80% of United Mortgage loans are government loans going to the Fort Bragg military station in North Carolina. United Mortgage is a small mortgage company. Focus on providing VA financing to Fort Bragg Soldiers, first-time home buyers, second homes, and investment mortgages. . Pine Valley Mortgage offers different programs to meet customer needs. The main goal is to offer the lowest fixed rate and personal services that the buyer deserves. Build a lasting relationship with current and past customers. How we measure risk between one buyer and another depends on credit, debt ratio, job stability, availability of savings, any prior bankruptcy, foreclosure or judgment. By exercising caution, we avoid and prevent a possible seizure in advance. Recommend preventative solutions that incorporate risk mitigation. The best tool is to open communication channels with employees and communicate and stay up to date with new regulations and guidelines regarding mortgage financing. 2) Any discrimination in granting credit based on race, color, religion or age is considered a violation. There are 3 categories of control in relation to risk. 1) Preventive control: can reduce the risk that United Mortgage may encounter. To prevent mortgage fraud, United Mortgage has a new policy requiring every home buyer to sign a 4506T (tax transcript) with the intent that the tax return will be reviewed before being submitted to the underwriter. If there is a fraud committed, United Mortgage prefers to stop the file before it reaches the hands of the subscriber and affects the commercial relations and good reputation of the company and files a complaint against the person who has violated the law. Preventive control eliminates and reduces the risk of being involved in mortgage fraud scandals.2) Detective checks once the risk is identified take action. Offer a course on mortgage fraud. How to Identify Mortgage Fraud.3) Corrective controls are used to mitigate and correct the problem in this situation to teach the loan officer how to identify mortgage fraud. Pine Valley Mortgage must implement certain goals. The company is audited from time to time by the banking commission to ensure that RESPA guidelines are followed. Ensure the appropriate form is disclosed and signed by home buyers. In case of violation, United Mortgage will receive a report, i.e. will turn to the branch manager with the intention that upon the second review United Mortgage will improve the weakness..