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How Mortgage Process Outsourcing Fix Loan Modification?

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How Mortgage Process Outsourcing Fix Loan Modification?

How Mortgage Process Outsourcing Helps with Loan Modification?

The current situation of the economy brought a lot of problems when it comes to loan applications. The mortgage process outsourcing becomes the overall remedy for all these struggles.

Lots of consumers lost their jobs because of the pandemic. As a result, they are having a hard time paying their mortgage loan. There are 9.6% of Americans aged 55 above that have no confidence that they can pay their monthly rents anymore. 

That is why the US Government passed the $2.2 trillion CARES Act that aims to guarantee support for federally-backed mortgages. This will help borrowers  to pause their mortgage payment for a short period of time. Until they’ve recovered from the COVID-19 pandemic.

However, support for forbearance is only applicable from loans approved by The Federal National Mortgage Association (Fannie Mae) and The Federal Home Loan Mortgage Corporation (Freddie Mac). Other non-bank lending companies still need to comply with forbearance or at least provide other options.

The majority of lending companies in the USA are non-banks. They consist of 86% of all mortgage providers. That is why it is critical to create a solution for them too or most of them will file a bankruptcy claim in no time.

With this in mind, let us take a look at how mortgage outsourcing helps small and medium lending companies.

 

Long Waiting for the Lending Companies Telephone Line

There is a federal policy that borrowers should inform their mortgage services immediately if they can’t pay their monthly mortgage. The borrower and loan provider have to come up with a solution on how to ease the situation. Unfortunately, it is not easy as there are more than 4 million people who have applied for forbearance.

You need a lot of people to attend with all of these phone calls. But, you no longer have enough funds to hire people since many borrowers are requesting to pause their payments. This is where outsourcing comes in handy. They can provide quality call center agents to attend with the request at an affordable price.

You can easily sort out all the requests and process them immediately. On top of that, these call center agents can work for your lending company 24 7. So you can expedite all the forbearance process as soon as possible.

 

High Foreclosure Rate

Some who can’t contact their mortgage provider end up not paying the loan at all. They are unable to let the lending company know about their situation. Thus, there are a lot of foreclosed properties during the pandemic. 

In addition to that, loan forbearance shares rise from 0.25% to 2.66%. So, even if a borrower got the forbearance, there is still a possibility that they can’t pay the mortgage in the future. As a result, the foreclosure rate goes up from 0.36% to 1.16% during the pandemic. The trend of rate is getting lower from 2010 until it rose again during the COVID-19 situation.

You can prevent a high rate of foreclosure by having a team that can do an outbound call. These agents can call your borrower and make a follow up about their payments. Once they reach the person, your agent can also process their forbearance request just in case they can’t pay the mortgage now.

All in all, call center companies can provide a team that could do both your inbound and outbound needs. At the same time, they can assist you in processing necessary documents for your borrowers. It makes everything efficient at an affordable pricing.

 

Record Breaking Low Mortgage Rate

Although the mortgage rate’s trend is in a downward spiral since 2018, it is on its lowest during the pandemic. Currently, the rate for a 30-year fixed mortgage is at 2.810% which is the lowest recorded percentage ever. 

This is alarming especially for small and medium lending companies. They don’t have enough borrowers to sustain their operations. Therefore, they need to make some adjustments on their in-house team. This is to lessen the cost they’re spending in their manpower. However, it produces many problems like understaffing and overloading tasks.

Good thing is that you can also outsource back-office to an offshore company. The BPO company can assist you in your human resource task. They can organize your files and encode all the data you need for the application. Besides that, they can handle the tech support too. Proving that there is no limit at what service you can outsource.

 

Sudden Rise of Loan Application Rate

The only good thing that came out of the low mortgage rate is the high number of loan applications. People take advantage of the fact that they can get a property loan with an interest that is 2%-3% lower compared to a couple of years ago. As a result, there is a 400% increase in the number of loan applicants.

As good as it sounds, a high application rate also produces several complications. For starters, you need to attain every request otherwise it is a wasted opportunity. It takes tremendous effort to process every application you have. In addition to that, it is almost impossible to monitor your current borrowers while entertaining new applicants.

Outsourcing loan processors can ease the burden in attending all of the mortgage requests. You can focus on appraisal and getting the closest estimation to a land property. Besides that, you can reduce the risk of any errors as some BPO companies are fully automated when it comes to processing documents.

 

Long Process Time

Aside from overwhelming tasks due to high application rates, the loan processing time also went up from 18-40 days to almost 3 months. This is a lot of time and applicants might look for another lending company that has faster turnaround time. It is not good for your business as it might affect your credibility as a dependable mortgage provider.

As such, you can depend on outsourcing when it comes to expediting your process again. They have software that will help you process loan applications faster. This software has their own database where you can record borrowers’ previous transactions. You can check if the applicant has a good credit score to support their mortgage request.

On top of that, you can also use this database to examine whether the applicant has previous transactions with other lending companies. Mortgage process outsourcing providers that use software can easily tag a borrower if they have an outstanding balance with them.

 

3 Reasons Why You Should Get Mortgage Compliance Outsourcing

There are a lot of reasons why you should outsource mortgage compliance. But for the sake of this short discussion, we’ll give you three of the most important benefits.

Removes the Risk of Fraudulent Applications

As previously stated, BPO companies have a database where they can access all the applicants’ information. With this in mind, they can also determine the credibility of the borrower and if they can pay the mortgage in time.

This is helpful as it might be a wasted effort if you approved a loan and the borrowers are not capable of paying a mortgage in the future. Mortgage process outsourcing will definitely reduce if not avoid at all those fraudulent applications.

Data Security

Aside from the services, BPO companies also have top of the line security for your data. Mortgage process outsourcing has a lot of sensitive information for your company and clients as well. That is why it is important to have a safety protocol for your documents. Setting up your own security system might take a long time and a lot of money.

Outsourcing is the most practical way to protect your data without spending too much money. Although you will forward the data to an offshore company, they will sign an NDA to hold themselves accountable for your information. Besides that, some BPO companies have certification from ISO and other standardization bodies to cement their credibility.

Can Easily Follow Up on Bank Defaults

Most of the tasks mentioned above are about following up with applications documents or reminding borrowers about their payment. However, outsourcing firms can also create a team to deal with getting requirements from the bank.

Banks’ call queue is also longer because of direct clients applying for loans. So you need people that will allot more time in calling these financial institutions and ask them about their requirements. You need those to provide it to your borrowers whenever they have a plan to apply for a mortgage. 

These agents can also deal with banks whenever there is a dispute on the mortgage plan. 

 

Mortgage Processing Support Services for SMEs

SMEs can outsource almost every aspect of their business to a third-party service provider. However, the most common services are call center and data entry process. Here are some of the other tasks they can forward to a BPO company:

  • Property Valuation
  • Broker Price Opinion Service
  • Land Appraisal
  • Business Owner’s Policy (BOP) Insurance Service
  • Loan Origination

Many are still discovering the huge potential of outsourcing their mortgage services. Some who did already experienced several advantages especially during the pandemic crisis. 

 

Mortgage Process Outsourcing Companies in the Philippines

The Philippines is home for a lot of BPO companies specializing in loan processing. However, most of them are focused on large companies and Fortune 500. Usually, they have a minimum required number of people to work for your company. Very few are doing partnership with SMEs. 

If you are an SME looking to for mortgage process outsourcing service then go to Magellan Solutions. We have 17+ years of BPO experience with more than 100 clients all over the world. 

Our Business Developers can help you in setting up your key performance indicators (KPI). KPIs will guide you and monitor the progress of your business with us.

We also offer guaranteed flexible pricing options based. Magellan Solutions understands that start-up businesses have limited funds in outsourcing services.

Our security is also world class because of different standard certifications. Magellan Solutions also has an ISO/IEC 27001:2013 Certification. It ensures your company’s sensitive data is safe in our system. Our expert team provides security measures against phishing and data breach.

Contact us today and get a free 60-minute business consultation. Please fill out the contact form below.

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      Magellan Solutions Outsourcing, Inc

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      California – USA (West Coast)

      100 Old Country Road Suite H, Brisbane, CA 94005, United States

      Florida – USA (East Coast)

      1900 South Harbor City Blvd, (East Coast Division) Suite 300 Box 48, Melbourne, FL 32901

      Philippines – APAC

      PB Mezzanine Floor, Summit One Tower 530 Shaw Boulevard, Mandaluyong City, Metro Manila 1552

      Philippines – APAC

      8th floor, Centris Cyberpod 5 ETON Loop A, Diliman, Quezon City, Metro Manila 1103

      US: +1 650 204 3191
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      AU: +61 1800 247 724
      hello@magellan-solutions.com

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