Entrust Your Mortgage Processing Services to Pioneers in Workflow Automation
We use the latest technology for automated mortgage processing services to expedite mortgage loan closures and help you seize a competitive business advantage.
Promote a Sustainable Mortgage Process Cycle for Increased Revenue
We help mortgage companies save resources, bolster operational bandwidth and compete at the highest level required to generate optimum efficiency in their mortgage processing.
Our global portfolio of high-impact case studies testifies to our expertise in third-party mortgage loan processing services. We are a company that integrates intuitive technology with the technical expertise required to excel in the field.
At Expert Mortgage Assistance, we have standardized and automated mortgage processing services to offer back-office support that translates to reduced operational costs, improved data accuracy, and a quicker time to market. Mortgage lenders access our skilled staff to help stretch their operating bandwidth to handle up to 50% more volume in peak hours.
Our Mortgage Process Promotes Sustainability with Digital Excellence
Deliver Business Excellence with Our Comprehensive Mortgage Processing Services
We help lenders, credit unions, and brokers expedite loan closures by catering to borrowers in ensuring compliance with the latest benchmarks by leveraging automated and streamlined mortgage processing services.
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Review of Document Compliance
We review all financial information and borrower records to match the criteria required for mortgage processing services. We carry out the steps in validating records securely and rely on clear evidence to meticulously ensure compliance.
Conduct Comprehensive Credit Checks
From pre-screening of borrower credentials to obtaining and reviewing credit reports, applicant history, social security status, and FHA authorizations, we prevent delays in processing mortgage loans. We check existing loans, payment defaults, tax returns, and transcripts to offer only the best estimates to borrowers within just 3 days of receiving an application, ensuring prompt disbursals and closures.
Examination of 3rd Party Documents
Our experienced underwriters study extensive records of financial and social security data to eliminate any discrepancies or errors in advance. Once reviewed, we present a detailed report identifying any contradictions, inconsistencies, incompatible findings, and data that cannot be validated. The report produced helps mortgage companies and credit unions eliminate potential issues and mitigate concerns that may impact compliance and regulatory standards.
Transparent and Timely Verification Protocols
As a reliable mortgage processing services provider, we pay close attention to detail at every stage to ensure that all records are void of inaccurate or unverified information. Our established process empowers lenders with transparent workflows to verify and cross-verify borrower details for accuracy and legitimacy.
Securing VA and FHA Case Numbers
On your behalf, we will help you order the VA and FHA case numbers online. We carry out this operation methodically to validate all requests, as incomplete requests may cause delays in the mortgage cycle, affecting your business performance.
Prepare and Dispatch Accurate Loan Estimates
We prepare the Loan Estimates carefully and ensure that the borrower gains a clear understanding of important information like the costs and risks of any mortgage plan. We assist lenders in dispatching the Loan Estimates to applicants within 3 business days of receiving a mortgage loan application.
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Collect and Review Supporting Documents
Our experts assist lenders in collecting supporting documentation like mortgage statements, bank statements, pension statements, escrow documents, divorce decrees, and child support documents. We help you secure the homeowner’s insurance and flood certificate for any property. Once collected, we file the information systematically for easy archival and access at any stage in the mortgage lifecycle.
Expedited Loan Submission & Condition Clearing
At the final stage of mortgage processing, we submit applications to an underwriter for cross-checking the eligibility of an applicant and validating the documents required. We assist you in expediting the condition-clearing process once the underwriters confirm that all criteria to obtain a mortgage loan are justified.
How We Delivered Reliable and Cost-effective Mortgage Processing Services
- Engaged qualified workforce in the form of multidisciplinary experts, strategic advisors, and offshore teams to enable 24/7 service to handle the increase in work volume.
- Redefined KPIs and reporting frameworks to cater to the new CARES ACT-enforced requests.
- Delegated a special workforce that can specifically focus on key areas which are regulatory dynamics and chances of potential frauds.
- Simulated stress scenarios to help you assess your resilience, identify business risks, and accordingly frame mortgage forbearance, refinance, and risk management measures.
- Adapted our service delivery with your preferred technology to process a greater number of applications and preserve data integrity.
Outsource Mortgage Processing to Us for Expedited Loan Cycles
Our automated and precise mortgage processing services make us a highly reliable business process outsourcing company, assuring up to a 40% reduction in per-employee operational costs. By delegating specialized teams to handle all regulatory requirements, our standardized and automated back-office support for mortgage companies produces novelty by assuring exceptional customer service.
Trusted by lenders and credit unions across the USA, we lend our expertise in handling tasks efficiently to speed up mortgage cycles and guarantee the bandwidth required to take on all mortgage processing requests at volume and velocity.
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Key Skills Required for High-quality Mortgage Processing Services
Bachelor’s degree in Finance, Business Administration, or related fields, with 3-5 years of experience in advanced mortgage processing services workflows and compliance management.
Expert in verifying borrower information and documentation using advanced loan origination systems (LOS) like Encompass and Calyx Point to ensure completeness and accuracy.
Proficient in analyzing credit reports, income statements, and financial histories to assess borrower eligibility in adherence to Fannie Mae, Freddie Mac, and FHA guidelines.
Highly skilled in using document management systems such as DocuSign and Blend to streamline document collection, review, and compliance tracking.
Thorough understanding of TRID, RESPA, and HMDA regulations, ensuring mortgage processes align with federal and state laws.
Adept at coordinating with underwriters, appraisers, and closing agents to resolve documentation issues and facilitate seamless loan approvals.
Experienced in leveraging RPA tools like UiPath and Blue Prism to automate repetitive tasks, improving efficiency in loan processing workflows.
Skilled in conducting risk analysis using proprietary and industry-standard tools to minimize defaults and ensure financial stability in lending practices.
Proficient in managing high-volume mortgage pipelines, maintaining accurate timelines, and ensuring prompt processing to meet client deadlines.
Experienced in performing pre-closing and post-closing audits to identify discrepancies, maintain accuracy, and meet loan quality standards.
Efficient in maintaining clear communication with borrowers, explaining complex terms, and resolving inquiries throughout the loan lifecycle.
Adopts strict data security practices, ensuring compliance with cybersecurity frameworks such as SOC 2 and GDPR in handling borrower information.
Works closely with sales, underwriting, and closing departments to optimize workflow integration and achieve seamless operational efficiency.
Proficient in analyzing mortgage workflows to identify bottlenecks implementing strategies that reduce turnaround time and operational costs by up to 30%.
Extensive knowledge of industry-standard tools like Ellie Mae, Mortgage Cadence, and Optimal Blue for efficient loan processing and management.
Committed to staying updated with changes in lending regulations, mortgage products, and technologies to ensure optimal service delivery.
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Easing the Load: The Significant Benefits of Mortgage Process Services
Experienced mortgage professionals streamline the loan lifecycle, from application to closing, ensuring accurate data handling and compliance with industry standards.
Automated document indexing, data validation, and verification solutions reduce errors and enhance processing speed, ensuring seamless workflow integration.
Processes are designed to align with RESPA, TILA, and other federal and state regulations, minimizing compliance risks while maintaining industry best practices.
Tailored workflows optimize every mortgage processing stage, including underwriting, credit checks, and loan documentation, ensuring smooth operations.
Flexible operational capabilities efficiently handle fluctuations in loan volumes, maintaining consistent service quality during peak demands.
Accelerated processing ensures timely loan approvals and disbursements, meeting strict deadlines without compromising accuracy.
Affordable service models provide significant cost savings, offering high-quality solutions that reduce operational overheads for lenders.
Round-the-clock assistance ensures real-time updates, swift query resolution, and transparent collaboration, keeping lenders and borrowers always informed.
FAQs on Mortgage Processing Services
We employ industry-standard platforms like Encompass, Calyx Point, and Blend to manage mortgage processing services workflows accurately and efficiently. These systems facilitate real-time data entry, document verification, and compliance checks, streamlining the end-to-end loan processing cycle. Integrated with advanced APIs, our tools automate critical tasks, including data validation and borrower eligibility checks, reducing processing time and error rates. This tech-driven approach ensures seamless loan processing that is aligned with regulatory requirements.
Pricing is customized based on loan complexity, processing volume, and required service components such as documentation and verification. We provide a detailed cost estimate covering each mortgage process phase, ensuring transparency and alignment with client budgets. We offer scalable pricing models for clients handling high volumes to maximize cost efficiency. This ensures our services remain flexible and economically viable, tailored to meet specific client needs and processing demands.
Turnaround times vary based on loan type and document requirements, ranging from 3 to 15 business days. Our optimized workflows and automated document collection and validation enable swift processing while maintaining accuracy. With dedicated teams and streamlined processes, we prioritize efficiency, ensuring timely loan processing even under high-demand conditions. We offer expedited processing options for urgent requests that meet critical deadlines without compromising quality.
We strictly adhere to industry regulations, including the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA), along with Consumer Financial Protection Bureau (CFPB) guidelines. Our processes align with ISO 27001 for data security and ISO 9001 for quality management, ensuring rigorous compliance and security at every stage. Regular audits ensure that our services remain up-to-date with evolving regulations, reducing risk and enhancing regulatory alignment across all processed loans.
We are fully equipped to manage high-volume mortgage processing services projects with scalability and precision. Our experienced teams and advanced loan processing platforms allow us to handle bulk applications efficiently and accurately. We implement structured workflows and resource allocation strategies to meet client demands, maintaining high performance across all processing tasks. This capability ensures we can effectively support individual and large-scale mortgage processing services needs.
Case Studies
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