Mortgage Outsourcing

assivo is a trusted & reliable partner to independent mortgage banks, mortgage brokers, correspondent lenders, investors, and more.

We work behind the scenes and streamline the most tedious parts of the origination process, allowing our clients to grow more cost-effectively.

Illustrative Results Achieved

Optimal Mortgage Processing Workload Split

30%

Client’s Onshore Team

70%

assivo Offshore Team

50%

Reduction In Overall Loan Processing & Underwriting Costs

2x

Throughput / Capacity
(Monthly Loan Volume Processed)

Capture the Benefits of a Global Operation via Outsourcing

Client’s in-house team focuses on providing the best experience to borrowers
Assivo offshore team performs repetitive, time-consuming work

Client’s in-house team performs more equitable (expensive) work
Offshore team acts like an assembly line, performs all low-value work reliably and accurately

Loans are always moving. Close loans faster and sell loans faster
Come in each business day to a clear slate, ready to please your borrowers

Offshore team has a flexible labor model: scale team size up and down with short notice and no friction/costs. Perfectly match labor capacity to loan volume, reducing waste.
Gain access to a global labor force which is eminently scalable

Reduce time and effort to hire, train, and retain lower level employees
Eliminate legal, HR, and benefits liabilities and overhead

What problems are addressed?

Labor cost
Labor Availability
Attrition
Scaling (Including Capex)
Overhead + Overtime
Worklife Balance
Maximize ROI from employees
Reduced Costs

assivo Outcomes

24 Hour Processing

Greater Efficiency

Trusted Quality

Better Business

Optimize Your Labor Stack

Reduce Overall Labor Costs, Increase Efficiency,
and Reduce Your Time To Close

Client

Onshore Team

Goal

Performing Highest Value Work

Working hours spent accomplishing activities that match the employee’s effective wage rate. Strategic, Critical Thinking, Relationship Management Tasks.

assivo

Offshore/ Global Team

Goal

Performing Highest Volume of Work

Working hours spent accomplishing all high volume tasks that can be distilled into checklists, training documents, templates, and other process-driven work.

assivo Services

Customized End to End Outsourcing Solutions for the Entire Mortgage Origination Cycle

Application Review

Loan registration
Loan Setup
Initial Disclosures
Re-disclosures
AUS Submission
Client Welcome package

Loan Processing

Income Review
Credit Review
Asset Review
Validation of Disclosures
All Third Party Orders

Pre-Underwriting

Income Calculation: All types
Asset Verification
Insurance Review
Title Review
Appraisal Review
Credit Review (DTI)

Pre Closing & Closing

Full Pre Closing Review
Closing Disclosure preparation
Escrow Review & Setup
Closing Document Preparation

Post Closing

MERS Registration
Full Post Closing File Review
Post Closing delivery
Purchase Advice Processing

Compliance

HMDA Review
Mavent Review
Post Consummation CD

Title Processing

Abstract Review
Closing Protection Letters
Tax Certification Review
Title Preparation

Application Processing

Loan Registration
Initial Loan Disclosure
Initial AUS Submission
Welcome package Email/Mail