What We Offer
Two ways to work with us. Choose the model that fits how your team operates — outsourced processing, or technology that works alongside your existing staff.
Managed Assumption Processing
We become an extension of your servicing team. For every assumption file that comes through, we help move the process along — from initial borrower intake through final closing coordination. We complete the assumption — you present what's needed for closing. We assist with everything in between to merge with your internal processes.
What's included
- Borrower intake and eligibility pre-screening
- Full document collection and AI-assisted cross-validation
- FHA and VA form preparation (HUD-92210.1, VA 26-8106)
- Servicer portal submission and status tracking
- FHA/VA 45-day compliance monitoring and escalation
- Gap financing coordination with pre-qualified second lien lenders
- Dual-track subordination and closing coordination
- Post-close reporting and VALERI upload support
Processing Partnership — At a Glance
Platform Model — At a Glance
Assumption Processing Platform
Our workflow platform brings structure and speed to your existing assumption team. It handles document collection, compliance tracking, servicer communication logs, and gap financing coordination — all in one place. Your staff stays in control. The platform eliminates the manual work that slows them down.
Platform capabilities
- Borrower-facing document portal with automated completion checklists
- AI document review — flags missing or inconsistent information before submission
- Servicer-specific form auto-population (FHA, VA, USDA)
- VA 45-day compliance clock with built-in escalation alerts
- Gap lender matching by state, loan type, and CLTV
- Dual-track deal dashboard — assumption and gap loan side by side
- E-signature and document delivery integration
- Post-close audit trail and VALERI reporting tools
Straightforward fee structures.
All fees are charged for services actually performed. We do not charge referral fees. Both models are structured for full RESPA compliance.
Per-File Processing
A flat coordination fee charged per assumption file processed to completion. Covers full dual-track management from intake through closing. Billed at closing.
- All intake, document, and compliance work
- Gap financing coordination included
- No monthly minimums to start
- Volume discounts for 50+ files per year
Pricing disclosed in partnership agreement. Varies by loan type, state, and volume commitment.
Platform License
Monthly or per-transaction platform access for servicers who want to keep processing in-house but need a purpose-built workflow system.
- Full platform access for your team
- White-label branding available
- Onboarding and staff training included
- Custom servicer integrations available
Licensing terms set in technology agreement. Minimum 12-month initial term for white-label deployments.