Data to Document Validation
The tape is a claim. The documents are the proof. Rate, term, balance, ARM terms and modifications on the servicing tape checked against the note, mortgage and modification agreements on every loan.
Service the loans you know.
For MSR buyers, sellers and subservicers. Termblocks provides the most cost-effective MSR reviews in the market. Find any problems for as many loans as you want in an hour.
The problem
Effective MSR reviews are just not available in the market
Every MSR without a full review is a portfolio of hidden losses, regulatory landmines and cleanup costs. But it is just too expensive and time consuming. Despite the importance, anything beyond small sampling is just cost prohibitive.
AI-powered MSR review
Pay History & Escrow
Every payment, every escrow dollar. Payment histories rebuilt and reconciled to the reported balance and next due date. Escrow balances, shortages and advances verified before they become your problem.
Loss Mitigation & Default
Nothing in flight gets lost. Open applications, trial plans, forbearance, repayment plans, foreclosure and bankruptcy status confirmed loan by loan, so borrower protections carry across the transfer.
Compliance Review
The obligations transfer too. Servicing transfer notices, PMI cancellation and termination dates, escrow analysis timing and state requirements checked on every loan, with the evidence behind each finding.
Document Inventory
Know what is missing before you pay for it. Collateral and servicing files inventoried against the required document list. Missing assignments, endorsements and trailing documents tracked to resolution.
From data room to clean boarding
Step 1: Load the tape and files
Upload the servicing tape, pay histories and loan documents from the data room. Every document is indexed and classified, and trailing documents can be added as they arrive.
Step 2: Review every loan
Tape fields, payment history, escrow, loss mitigation, default status and compliance are checked on every loan, not a sample, with each finding cited to the document and page.
Step 3: Price, cure and board
Exceptions feed pricing and the purchase agreement. After transfer, boarded data is checked against what was sold, so nothing is lost in conversion.
Turn Complexity
into Clarity
Don’t get slowed down by complexity. See how clarity increases productivity.
Book a Demo