Default Management Desk
Referral packages, timeline tracking and investor reporting through the default path — including the milestones that carry a penalty when they slip.
Every investor and insurer milestone tracked on every defaulted loan, the one about to slip flagged before it does, and the evidence kept beside the milestone it proves.
What it displaces
The timeline milestone found after it was missed.
A default book where the next milestone is visible before it comes due.
What it does
- 01
Tracks every investor and insurer timeline milestone on every defaulted loan, and flags the one about to slip rather than the one that already did
- 02
Assembles the referral package and checks for completeness before it goes to counsel
- 03
Prepares investor reporting from the documents, backed by an audit trail
- 04
Logs the evidence for each milestone, so a curtailment claim can be answered
What it leaves behind
- First legal actionday 121investor timeline
- Referral package to counselcomplete12 of 12 documents
- Property inspection, monthlyloggedday 45 · day 73
- Investor delinquency reportdue in 4 daysmonth end
The milestones that carry a penalty when they slip, held against the investor’s own timeline
Human-in-the-loop
No guesswork. Exceptions routed to humans
It tracks, assembles and evidences; it does not refer a loan to foreclosure. Every milestone decision goes to your default team with the date, the rule and the documents behind it.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the servicing side
All 8 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 03Collections AgentUpstreamEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Loss Mitigation AgentDownstreamComplete packages, evaluated inside the Reg X clock.
- 06Claims AnalystThe claim package, read and reconciled for review.
- 07Payoffs ManagerQuotes, good-through dates and the release clock.
- 08Compliance ManagerAcross all of themEvery servicing call and letter scored.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study