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Solutions | Fulfillment

Efficient Mortgage Fulfillment, Endless Growth Potential

Reduce overhead costs and gain control over your internal resources with a scalable mortgage fulfillment solutions built with mortgage industry volume shifts in mind.

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Get Agile with Scalable Mortgage Fulfillment Solutions

As the market shifts, mortgage lenders require solutions that increase business agility and address resource and cost constraints. Indecomm delivers an automation-enabled mortgage fulfillment solution that allows you to scale origination operations to meet changing market conditions.

Comprehensive services

Whether you are a retail, wholesale, or correspondent lender, Indecomm’s mortgage fulfillment solutions helps you operate efficiently. Our mortgage outsourcing services span origination from set-up, initial disclosures, loan processing, and underwriting through closing.

Variable cost model

Don’t let tight margins hinder productivity or create mortgage operational risk. We help you better manage operation costs by helping you shift your fixed costs to a variable per-loan pricing model so that pay for only the resources you need.

Variable cost model

  • Automation plus talent approach creates process efficiencies
  • BotGenius makes repetitive mortgage tasks effortless
  • Our mortgage fulfillment team seamlessly picks up where automation leaves off

Efficient origination for reduced churn

Our scalable mortgage fulfillment solutions offers lenders more than greater efficiencies. Using our mortgage automation tools and expert loan processing outsourcing and origination process services, lenders improve efficiencies behind the scenes and reduce churn with improved customer turn times.

Scale capacity

Pairing smart automation with Indecomm talent ensures that each task is completed with maximum efficiency and quality

Access to innovation

Our mortgage automation solutions simplify and streamline cumbersome processes and seamlessly integrate with major LOS', accelerating speed-to-use

Improve cost management

We combine a variable cost model with automation tools to give lenders greater business agility and better control over costs

Global delivery model

Our global teams provide “follow the sun” coverage for all US time zones, accelerating loan processing outsourcing and closing

End-to-end mortgage services

Tech-enabled mortgage fulfillment solutions and mortgage back-office support that delivers greater business agility and cost control.

New Loan Set-up

  • Gain efficiency and reduce time to closing by ensuring correct loan submission
  • Accurate document stacking and indexing for all critical submission documents
  • Seamless ordering of all third-party required documents
  • Review submission file completeness
  • Timely client notifications for missing documents
  • Automated task management using smart mortgage bots

Tech-enablers

DocGenius™

Gain a 360° view of mortgage trailing document risks, processes, timelines, and performance with an interactive document management system

Loan Processing Outsourcing

  • SAFE Act compliant and can provide end-to-end mortgage processing in states where licensed
  • Borrower welcome calls, notifications, conditions clearing, and follow up
  • Loan file review of POS documents and follow up for missing documents
  • LOS and mortgage back-office support functions including mortgage data and document inputs
  • Review and validate loan file data
  • Assign documents to conditions, upload conditions, and assign for review
  • Loan underwriting preparation, including assignment, data input, initial underwriting review powered by DecisionGenius
  • Loan approval communication and support

Tech-enablers

DecisionGenius

Indecomm’s DecisionGenius™ is a automated and AI-driven mortgage underwriting system that empowers faster, more informed mortgage credit analyses with automated, risk-based loan underwriting technology

Initial Disclosures

  • Confirm the presence of required documentation and fees in the loan file and review for accuracy.
  • Missing document notifications
  • Mortgage back-office support including data entry into the client LOS
  • Generate initial loan estimate (LE), settlement service provider list (SSPL), intent to proceed, and complete disclosure package
  • Review change of circumstance (COC) requests for validity
  • Generate revised loan estimate and applicable revised disclosures

Tech-enablers

Mortgage Underwriting Services

  • Review the loan application and loan amount including taxes, insurance, HOA fees, and other collateral costs
  • Analyze the borrower’s employment history
  • Calculate the borrower’s monthly income and assets, with the option to supercharge income analyses with IncomeGenius
  • Identify loans and payments that are secured by properties owned by the borrower(s)
  • Analyze the borrower’s credit history for monthly obligations for accurate DTI, public records, and red flags
  • Review property history and servicing pay histories
  • Account for monthly payments such as vehicles, credit cards, personal loans, and student loans along with any child support / alimony payments
  • Review all data validations and verifications populated from the AUS results
  • Evaluate the borrower’s assets in savings and cash reserves
  • Determine if the borrower has investments such as stocks, money market funds, IRAs, CDs, retirement accounts
  • Determine other sources of capital such as loan down payment programs, matching fund programs, and side businesses
  • Identify any assets or property owned that may be used as collateral
  • Review fraud tools and provide extensive mortgage back-office support
  • Analyze title commitments prior to closing for proper vesting, liens, and clouds in the title

Tech-enablers

DecisionGenius

Indecomm’s DecisionGenius™ is a automated and AI-driven mortgage underwriting system that empowers faster, more informed mortgage credit analyses with automated, risk-based loan underwriting technology

Closing

  • Support closings for all products and programs
  • Validate fees with the closing agent
  • Prepare closing disclosures and e-delivery to borrowers
  • Confirm borrower receipt of closing disclosure
  • Ensure any fee changes are within tolerance limits
  • Work with parties to make any necessary changes to ensure compliance
  • Establish document date based on final closing disclosure acknowledgment
  • Generate and deliver closing documents to the closing agent
  • Leverage machine learning and automation tools as an optional addition to our services for automated document review
  • Provide mortgage back-office support in the closing function

Tech-enablers

Related Case Studies

Case Study

Automating the Initial Underwrite with IDX & DecisionGenius

The customer saw an opportunity to improve their underwriting workflow by using Indecomm's DecisionGenius solution. This is an automated solution for loan decisioning and underwriting that seamlessly integrates with the customer's LOS.
Read More

Related Resources

Automation-Enabled Mortgage Fulfillment
Automation-Enabled Mortgage Fulfillment: Built to Absorb the Swing
Every lender knows the seesaw. Rates drop, volume floods in, and teams scramble to keep pace. Then rates climb, volume dries up, and the cost structure built for the good
Read More
Tech-Enabled Services
More Visibility, Not Less: The New Reality of Mortgage Outsourcing
Ask an operations leader why they hesitate to outsource part of the loan process and one answer comes up more than any other: "I will lose visibility." The work leaves
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Vendor Sprawl
The Hidden Line Item: What Vendor Sprawl Actually Costs a Lending Operation
Credit and compliance leaders see the symptoms first: defects found late, oversight hours multiplying, and a cost per loan no one fully trusts.
Read More

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