Mortgages

We Know The Mortgage Industry

Our mortgage industry clients realize reduced origination costs, better servicing efficiency and, for capital markets players, straight-through processing.

Headstrong leads process and technology solutions for the mortgage industry. We help clients attain superior business value because we understand the retail and commercial mortgage industry.

Working with different segments of the market – originators, mortgage bankers, servicing firms, structuring divisions and trading desks – we deliver customized solutions for your unique business needs.

Our knowledge of the mortgage industry combined with the technical skills of our global team leads systems that provide a tangible return on investment.

Origination:

Our domain consultants address your need for new technology platforms, frameworks, and software products to transform IT systems and applications.

Re-engineering Retail and Commercial Loan Origination

Business process re-engineering for loan originations assists organizations in meeting strategic objectives.

Key Benefits

  • Reduced costs of origination and servicing
  • Enterprise-wide regulatory compliance
  • Rationalized Application Portfolio

Loan Origination Systems

Headstrong capabilities span the entire loan origination lifecycle – underwriting, processing and loan closing.

Key Benefits

  • Streamlined business processes with document generation and automated underwriting transparency by integrating third-party portals into your systems
  • Integrated back end accounting and servicing systems for true end-to-end automation

eMortgages

Our consulting services transform eMortgages into reality through real-world implementation of industry standards.

Key Benefits

  • Flexible business approval process management
  • Adaptable security systems
  • Standards-based system integration

Servicing:

We deliver competitive advantage through technology services that manage and automate servicing operations from loan on-boarding, customer care, claims handling and property inspection/appraisal processes.

Investor Reporting

  • Greater transparency and ease-of-use to investor –timely reports and real-time information
  • Transparent portfolio performance and simulation
  • Enhanced management control and operational and servicing consistency with built-in servicing automation tools

Cashiering and Accounting Systems

  • Receive and process payments efficiently
  • Streamline billing, ARM plan management & amortization, payment processing, late fee, reversals and suspense management.

Escrow Management

  • Automate tasks associated with maintaining escrow accounts on behalf of borrowers
  • Meet accounting and reporting requirements set forth by the Real Estate Settlement Act.

Default Management

  • Eliminate end-user decision making and promote collection calling
  • Automate loss mitigation processing
  • Automate default reporting to Freddie Mac, Fannie Mae, HUD, VA and credit bureaus

Secondary Markets:

Headstrong combines subject matter expertise, business and technology consulting services, and an array of reusable components to enable front-to back-office integration and management of data sources for MBS.

MBS-TBA pool allocations and EPN integration

  • Allocation of pools to trades automated through rule-based allocation techniques
  • Eliminate failed trades
  • Overcome operational challenges like DKs after notification deadline
  • Enabling pool analysis capabilities in allocation systems

MBS Analytics

  • MBS portfolio analytics and valuation
  • Prepayment projection modeling and risk forecasting
  • Integration with third party analytics tools

MBS-TBA Allocation System

  • Trade Booking
  • Allocation
  • Portfolio Management

EPN Adaptor

  • Stand-alone application that sends and receives EPN Messages
  • Easily integrates with the EPN system
  • Supports all message types that exist in CTCI
  • Drives and monitors flow of the EPN Messages
  • Can be used to simulate EPN protocol

To learn more about our services, contact us at information@headstrong.com.