Payoffs Manager
Payoff quote preparation, good-through dates, and the lien release clock after the loan pays off.
The quote is built from the loan documents and the payment history, and the follow-up call about what is in the figure is answered. The release clock is tracked, because the penalty for missing it is statutory.
What it displaces
The payoff request sitting in an inbox.
A quote out the same day, and a release clock that starts when it should.
What it does
- 01
Takes the payoff request, from the borrower, the closing agent or the broker, at any hour
- 02
Prepares the quote from the loan documents and the payment history — principal, interest to date, fees and the good-through date
- 03
Answers the follow-up call about what is in the figure, which is most of the volume
- 04
Tracks the release clock after payoff, because the penalty for missing it is statutory and varies by state
What it leaves behind
- Principal balance$284,116.22servicing ledger
- Interest to good-through$1,182.3931 days @ 4.90%
- Recording and release fee$42.00county schedule
The release clock starts the day it pays off · state deadline tracked from that date
Human-in-the-loop
No guesswork. Exceptions routed to humans
A quote is prepared for your team to release. Anything it cannot evidence from the file — a disputed fee, an unusual payoff — is escalated to a human.
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.
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 07Claims AnalystThe claim package, read and reconciled for review.
- 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