TechMor

Enable Massive Scalability for All Channels & All Programs

Game Changing AI native Underwriting Platform Increases Client Staff Productivity from 4x to 8x

Keeps them focused on Clearing Conditions, Funding & Trading Loans

• Maximize your staff productivity and profitability:

  • Just Like hiring a single new Underwriter with Unlimited Capacity – and DE/SAR skills
  • Accelerate throughput and increase volume with your existing team
  • Reduced cycle-time improves pricing and customer experience
  • Reduced defects improve profitability
  • TechMor stands behind our work – Not a single claim against us in 17 years

• Enable Massive scalability (Up and Down) for even the most complex files:

  • Max number of borrowers per program
  • Mixed Self-Employed, W-2, K-1, LES, Fixed Income, REO schedules & Community States
  • Credit, Income, Assets and Collateral Analysis – The machine shows its work and the receipts
  • Your staff time is reduced to 15-20 minute 2nd Level Reviews – No more Stare & Compare

• All upside:

  • NO upfront costs
  • Live in matter of weeks – Any Daily File Capacity within 8-12 weeks
  • NO systems integration – but support provided for FNMA 3.2, MISMO 3.4 & XML
  • Includes Base Guidelines for Fannie, Freddie, FHA, VA and Top NonQM programs
  • Accommodates client Overlays, Credit Policies and LLPAs – can be unique per Channel

• System capabilities:

  • Proven platform currently handling thousands of files
  • Artificial Intelligence (AI) Based Underwriting platform
  • Built on a database of 10’s of thousands of U/W rules perfected over years of production
  • Unlimited capacity and scalability with turn-times measured in hours
  • Millions of loans underwritten during origination, post-closing or trade due diligence

• How it Works:

  • More than 10,000 variations of 700 docs handled depending upon program type
  • More than 115,200 data elements are harvested from available documents per file
  • Renders industry standard Underwriter work papers for Income, Ratios, Assets and Liabilities – All Data updated accordingly in client LOS
  • Generates Conditional Loan Approval or Suspense Conditions for Underwriter to approve and publish – places them in client LOS