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Most default servicing organizations have invested heavily in technology over the past decade — systems for servicing, bankruptcy, foreclosure, document management, borrower communications, reporting, and more. On paper, it looks like everything...
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5 min read
"We sent the letter." In default servicing, that’s a sentence that gets repeated often. Compliance timelines are checked off as emails are delivered,...
5 min read
The numbers don’t lie. According to the Administrative Office of the U.S. Courts, total bankruptcy filings reached 591,850 during the twelve-month...
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Every default servicing executive knows the frustration. An attorney misses a milestone. A property preservation order falls through the cracks. A...
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For years, the mortgage servicing industry has chased "connectivity" as the ultimate solution to operational friction. On paper, the idea makes...
4 min read
For decades, escrow has been an automated process in standard mortgage servicing. The rules are well defined, the calculations are known, and the...
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Today’s default servicing operations are under intense pressure—from increased regulatory scrutiny and changing investor requirements to growing...
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There’s an old saying that the first step is often the hardest. For many mortgage servicers, the idea of workflow automation sounds both appealing...
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In today’s mortgage servicing landscape, the ability to identify and address delinquency risk early is a defining advantage. Servicers can no longer...
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Artificial Intelligence (AI) has revolutionized the mindset of mortgage servicers regarding data. It can predict borrower behavior, exposing risk...
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Servicers are no strangers to regulatory changes. FHA’s new permanent loss mitigation waterfall, introduced through HUD’s Mortgagee Letter 2025-12,...
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Mortgage assumptions are back in the spotlight. As interest rates remain elevated and homebuyers hunt for affordable financing, the ability to...
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In today’s fast-paced, high-volume loan servicing and loss mitigation environments, efficiency isn’t just a goal — it’s a necessity. Whether you're...
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With much of the financial services industry in a regulatory pause, Home Equity Lines of Credit (HELOCs) are gaining renewed attention among...
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From strategy to execution, we all know that the complex landscape of mortgage servicing, especially loss mitigation, necessitates efficiency and...
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In an industry defined by constant change, mortgage servicers must maintain full operational analysis of processes and real costs in order to remain...
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Mortgage servicers gathered in Dallas last week for the annual MBA Servicing Solutions Conference & Expo to explore insights on what to expect in...
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Mortgage servicing has faced unprecedented transformation over the past 15 years, and 2025 is queued up to deliver the same. While we were all...
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As we all are preparing for the holiday season, closing the year out, and wondering what the New Year will bring, effective borrower communication...
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Whether you’re large or small, lender or servicer, repurchase requests are never welcome. They involve documentation, process changes, jeopardize...
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Managing through back-to-back natural disasters is a terrifying circumstance for homeowners as well as mortgage servicers, and this year’s storm...
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The Federal Housing Finance Agency (FHFA) held its annual TechSprint this July with a focus on generative Artificial Intelligence (AI) in housing...
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We’ve all grown accustomed to rules and change management, but what does the Consumer Financial Protection Bureau’s (CFPB) Proposed Rule mean for...
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Following up on our last blog, ‘Servicing Answers to High Interest Rate Pressures,’ it is crucial that mortgage servicers do not succumb to the...
4 min read
Will higher interest rates put your delinquent borrowers in jeopardy? Pushed to new lows on the cusp of the financial crisis, the average annual...
