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.
What it displaces
The escrow call queue every January.
An analysis the borrower understands the first time they read it.
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)
The analysis, and the sentence the borrower actually calls about
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.
How a decision is made and provedWhat it runs on
2 of 3- Voice Agents
Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
- 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 9 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Indexing ManagerEvery letter, fax and upload filed and routed the day it lands.
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Default Management DeskSixty days and beyond, with the timelines held.
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 07Claims AnalystThe claim package, read and reconciled for review.
- 08Payoffs ManagerQuotes, good-through dates and the release clock.
- 09Compliance ManagerEvery 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