Cepoch performs set-up and sorting functions, review of loan documents as per the client’s guidelines and ensure the files that are being submitted to Underwriting are ready for credit decision.
Offer a Wide-ranging services – Our services and solutions span the entire mortgage lifecycle – origination, default management, title and closing.
Innovation and investments – We invest in the development of proprietary tools and platforms – using emerging technologies such as machine learning and advanced analytics – to better understand customer needs, ensure compliance, and enhance service delivery.
Cepoch offers different engagement models – fixed cost, hourly, consumption cost that can be customized to meet client-specific needs.
Whether it is Loan Processing, Title Search, Closing Support, or Post-Closing, our services will exceed customer expectations!
Cepoch Differentiators:
Cepoch team has a stellar reputation for delivering services that exceed client expectations. Our BPO specialists offer the highest level of productivity, quality, scalability and cost-effectivness. Cepoch invests a considerable amount of time to understand your objectives, specific requirements, customer expectations and timelines and your business process so we can offer a tailored options for you.
Rapid Scalability – Ramp up or Ramp down in weeks!
Operational Excellence
Domain Expertise
Technology Innovation
Highest Level of Information Security
Loan Processing
Application review for completeness & accuracy
Review and validate documents in the package
Obtaining appraisal on the property
Loan (1003) set-up in Client’s LOS System
Order & follow-up on third party services (appraisal, insurance, PMI)
Verify income sources, employment and assets of the borrower
Order & evaluate credit docs
Title records verification
Identify and coordinate resolution of deficiencies
Update LOS
Submit to underwriting
Closing
Pre-funding review, audit
Initial and final Closing Disclosure
Review preliminary funding docs
Request corrections from title company
Post-Closing
Post-closing package handling and review
Review signed documents to ensure completeness: e.g. Mortgage Note, HUD1, CD, Deed of Trust, Truth In lending, etc.