For ServicersEscrow Manager
Escrow Manager
Annual escrow analysis, shortage and surplus, and the explanation the borrower actually calls about.
Tax bills and insurance declarations read as they arrive, the analysis run against the escrow rules and the cushion limit — and the call about why the payment moved answered.
Tax bills and insurance declarations read as they arrive, the analysis run against the escrow rules and the cushion limit — and the call about why the payment moved answered.
What it displaces
What it does
- 01
Reads the tax bills and insurance declarations behind each loan, including the ones that arrive as an image
- 02
Runs the annual analysis and works out shortage, surplus and the new payment
- 03
Checks the result against the escrow rules and the cushion limit before anything goes to a borrower
- 04
Answers the call that follows — why the payment moved, what changed, and what the options are
What it leaves behind
- County tax, next instalment$3,412bill p.1 · due 1 Nov
- Hazard premium, renewal$1,870policy p.1 · eff. 4 Jan
- Required cushion, two months$881§1024.17(c)
Human-in-the-loop
No guesswork. Exceptions routed to humans
A figure it cannot reconcile to a document stops and goes to your escrow team named, with the bill it read and the number it expected.
What it runs on
2 of 3Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
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 AgentUpstreamCatches boarding defects before the first statement.
- 03Collections AgentDownstreamEarly-stage delinquency, compliant with Reg F and TCPA.
- 04Default Management DeskSixty days and beyond, with the timelines held.
- 05Loss Mitigation AgentComplete 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
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from