Programs engineered for your compliance requirements
We offer a suite of pre-configured, customizable loan programs, designed to cater diverse lender needs.
Fannie Mae | Multi-Family
Insurance compliance program for Fannie Mae Multi-Family Home Loans. The program applies to properties that contain multiple residential dwelling units.
Assets covered by program
Multi-Family, Mobile Home Park, Assisted Living, Cooperative Corporation
Number Compliance Rules
517 rules
Group Lead
Marianne Klosowski
VP, Insurance Compliance
Background
During her 25+ years in insurance, Marianne excelled as a Senior Compliance Consultant. With a background in corporate risk management, she understands the industry from both borrower and lender perspectives.
Fannie Mae | Multi-Family | SBL
Insurance compliance program for Fannie Mae Multi-Family Home Loans of $9 million or less. The program applies to properties that contain multiple residential dwelling units.
Assets covered by program
Multi-Family, Mobile Home Park, Assisted Living, Cooperative Corporation
Number Compliance Rules
486 rules
Group Lead
Marianne Klosowski
VP, Insurance Compliance
Background
During her 25+ years in insurance, Marianne excelled as a Senior Compliance Consultant. With a background in corporate risk management, she understands the industry from both borrower and lender perspectives.
Freddie Mac | Bridge to Freddie
Insurance compliance program for Bridge Loans transitioning into Freddie Mac approved loans.
Assets covered by program
Multi-Family
Number Compliance Rules
64 rules
Group Lead
Laura Bosies
Head of Agency Lending
Background
Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.
Freddie Mac | Multi-Family
Insurance compliance program for Freddie Mac Multi-Family Home Loans. The program applies to properties that contain multiple residential dwelling units.
Assets covered by program
Multi-Family, Mixed Use, Mobile Home Park, Assisted Living, Cooperative Corporation
Number Compliance Rules
629 rules
Group Lead
Laura Bosies
Head of Agency Lending
Background
Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.
Global CRE+
Insurance compliance program for Commercial Real Estate (CRE) transactions, ensuring compliance with global regulatory standards. The program is designed to manage risk, protect assets, and mitigate liability exposure for companies navigating CRE investments.
Assets covered by program
Condo Unit, Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Mobile Home Park, Retail, Industrial, Student Housing
Number Compliance Rules
591 rules
Group Lead
Laura Bosies
Head of Agency Lending
Background
Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.
HUD | 232
Insurance compliance program for HUD Lean Loans. The program applies to 232/223(f) Loans. These loans facilitate the purchase or refinancing of existing projects, with or without repairs, without the need for substantial rehabilitation.
Assets covered by program
Assisted Living, Cooperative Corporation, Residential Care Facilities, Nursing Homes, Skilled Nursing Facilities, Board and Care Facilities
Number Compliance Rules
437 rules
Group Lead
Daniel Stevens
Senior Manager, Insurance Compliance
Background
With a decade in insurance, Daniel is a seasoned professional with extensive coverage knowledge. From running his agency to senior compliance roles, he's worked with both agencies and private lenders.
HUD | MAP
Insurance compliance program for HUD - Federal Housing Administration (FHA) insured mortgages. The program applies to multi-family properties that do not require substantial rehabilitation or ground-up construction.
Assets covered by program
Multi-Family, Mobile Home Park, Cooperative Corporation
Number Compliance Rules
255 rules
Group Lead
Karen Perry
Senior Manager, Insurance Compliance
Background
With 35+ years in insurance, Karen specializes in commercial real estate. Her experience includes roles as an Account Manager for large portfolios and insurance reviews for Fannie Mae, Freddie Mac, and FHA.
Private Lender | All Residential | Construction
Insurance compliance program for residential fix-n-flip home loans. The program applies to properties purchased for renovations and resale. It is designed to protect against the risks inherent in the construction and rehabilitation of residential properties.
Assets covered by program
Condo Unit, Single-Family Home, Multi-Family, Townhouse/Row, Mixed Used, Vacant Land
Number Compliance Rules
140 rules
Sub-programs available
Group Lead
Brenda Rowley
VP, Insurance Compliance
Background
Brenda brings 24 years of insurance expertise, including 5+ years as a Senior Insurance Compliance Analyst. She excels in conducting compliance reviews for agency and private lender loans, pre- and post-closing.
Private Lender | All Residential | Rental
Insurance compliance program for non-construction residential home loans. The program applies to properties acquired by private lenders for rental purposes. It is designed to protect against the risks inherent in residential properties.
Assets covered by program
Condo Unit, Single-Family Home, Multi-Family, Townhouse/Row, Mixed Used, Vacant Land
Number Compliance Rules
145 rules
Sub-programs available
Group Lead
Brenda Rowley
VP, Insurance Compliance
Background
Brenda brings 24 years of insurance expertise, including 5+ years as a Senior Insurance Compliance Analyst. She excels in conducting compliance reviews for agency and private lender loans, pre- and post-closing.
Life Company | CRE
Insurance compliance program for Life Company Commercial Real Estate (CRE) Loans. These loans are typically non-recourse, and have favorable terms and extended repayment periods. They are secured by first position mortgages.
Assets covered by program
Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land, Condo-Buildings
Number Compliance Rules
684 rules
Group Lead
Laura Bosies
Head of Agency Lending
Background
Laura has 25+ years of experience in insurance, including a decade as an executive at Walker & Dunlop, leading compliance reviews for Freddie Mac, Fannie Mae, HUD, and CMBS programs.
SBA 7a
Insurance compliance program for the Small Business Association's 7(a) Loan Program, which offers loan guaranties to lenders supporting small businesses.
Assets covered by program
Business Personal Property (Inventory, Machinery, Equipment), Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land
Number Compliance Rules
721 rules
Group Lead
Ashwin Agarwal
CEO & Co-Founder
Background
Prior to founding Advocate, Ashwin led insurance and technology investments at a multi-billion dollar equity fund, following a tenure at Goldman Sachs in investment banking and compliance groups.
CMBS
Insurance compliance program for Commercial Mortgage-Backed Securities Loans, also known as Conduit Loans. These loans, secured by a first position mortgage on commercial properties, are commonly originated by commercial banks, conduit lenders, or investment banks, then packaged and sold to investors.
Assets covered by program
Multi-Family, Mixed Used, Hotel, Commercial Office Building, Self-Storage Facility, Commercial Warehouse, Mobile Home Park, Industrial, Retail, Discount Store, Restaurant, Saw Mill, Place of Worship, Vacant Land, Condo-Buildings
Number Compliance Rules
589 rules
Group Lead
Ashwin Agarwal
CEO & Co-Founder
Background
Prior to founding Advocate, Ashwin led insurance and technology investments at a multi-billion dollar equity fund, following a tenure at Goldman Sachs in investment banking and compliance groups.
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