Curtailment Is Written Against Dates: Preparing FHA and Mortgage Insurance Claims With an AI Agent in Post-Default Servicing
By the time a defaulted loan reaches the claim, every mistake made since the first missed payment shows up as a number someone deducts. A claim package is hundreds of pages of servicing history, invoices and legal fees that have to agree with each other, and FHA's curtailment rules punish the dates that do not. What we learned running a claims agent in production for a post-default claims outsourcer, where it helps, and why a specialist still files.