Loss Mitigation Agent
Package intake and completeness, evaluation against investor waterfalls, and the Regulation X timelines.
The package is read as it arrives and what is still missing is said in one message — while Regulation X’s five-day acknowledgement and thirty-day evaluation clocks run on every file.
What it displaces
The package that remains incomplete while a Reg X clock ran.
A borrower evaluated inside the clock, on a package that was complete when it landed.
What it does
- 01
Reads the loss mitigation package as it arrives and flags what is missing
- 02
Calculates hardship income from the documents, the way an underwriter would
- 03
Evaluates the complete package against the investor waterfall along with the audit traces
- 04
Watches the Regulation X clock on every file — the five-day acknowledgement and the thirty-day evaluation
What it leaves behind
- Acknowledgement to borrowerday 3 of 5§1024.41(b)(2)
- Income — two monthsreceivedpaystubs p.1–2
- Hardship affidavit, signedreceivedaffidavit p.2
- Evaluation against the waterfallday 12 of 30§1024.41(c)
Regulation X clocks, held from the day the package lands rather than the day someone opens it
Human-in-the-loop
No guesswork. Exceptions routed to humans
It does not approve or deny a workout. It gets the package complete, evaluates it against the waterfall, and puts a decision-ready file in front of your loss mitigation team.
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.
- 03Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Default Management DeskSixty days and beyond, with the timelines held.
- 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