PHH Mortgage logo Private Label Solutions
HomeIndustry InsightsContact Us
Our Experience
Mortgage Solutions
Process & Technology
Our Process
Our Technology
Our Technology

Deliver exceptional customer service from the first call

With our proprietary technology, we deliver fast response times and high-performance service everyday for you and your customers. We offer inbound teleservices technology that manages calls and capacity to ensure your customers receive outstanding branded customer service from the first dial-in. Using this technology, our employees have access to Web tools and sales guides to enhance the customer experience and increase conversion.

Deliver fast responses with our origination technology

Our origination engine, built from the ground up, offers a customer-driven workflow for faster, easier loan experiences. Working in conjunction with our underwriting engine, it offers flexible underwriting guidelines and scenarios to support a broad range of customers—no matter how complex the credit profile.

The system allows us to take a complete application, order a credit report, and receive real-time automated underwriting approval from our investors. Since we’ve evolved our technology over time, it's easily customized to support diverse client needs in terms of products, pricing, processing and documentation. This means your customers have access to a broad range of products and pricing they won’t find anywhere else. Most of all, our integrated systems ensure we provide credit reports in minutes to offer real-time rates for faster loan decisions. Customers receive same-day loan decisions, often within 20 minutes or less.

Empower your employees with online efficiency

With our Web-based origination platform, Loan Officers and bank employees can access an intuitive Web interface to submit applications and track the progress of their customers' loans from start to finish. It’s an excellent way to provide Loan Officers with Tier 1 electronic referrals. It also offers full viewing of pipeline information. To ensure complete user adoption, employees are empowered with comprehensive sales and technology training.

Our Web platform allows you to:

Reduce response time for approvals
Boost productivity
Improve communication, accuracy, and service levels
Automate workflow

Offer customers convenience with online access

Our Web platform offers your customers the convenience and flexibility of starting their application online.

Customers can also access educational information that prepares them for the mortgage process. We provide simple, clear-cut explanations of every step along the way to make the process smoother and easier.

We also provide refinance and affordability calculators, research tools, glossary, live chat and product information. Customers can access their loan status from a separate secure Web site and print out their own approval letters and GFEs.

Ensure efficient, fast processing

Our streamlined loan processing technology ensures that your customers close their loans, smoothly and on time—we guarantee it. To expedite the process and eliminate lost paperwork, all initial package documentation and follow-up documentation is scanned, indexed (income and assets), and attached to the loan file record electronically. Our processing technology offers an intelligent task-based workflow, which proactively prioritizes tasks as well as anticipates issues—to ensure we're satisfying all the conditions necessary for your customers’ on time closings. This workflow also provides prioritization of all the loans in the processing pipeline.

Provide branded support during servicing

During servicing, we offer a powerful mix of technology and personal support. That's why we offer multi-channel, bi-lingual access for your customers via dedicated 800 numbers, Web chat and secure Web sites.

Our platform provides your customers with important information about their mortgage account including transaction details, payoff statements, escrow amounts, Frequently Asked Questions (FAQs) and more. For added convenience, customers also have the option to make loan payments online.

Learn more about the efficiency of our seamless, customer-centered Process.


Industry Insights

Read a candid discussion with six top financial institution executives sharing valuable insights on the benefits of leveraging mortgage outsourcing to grow their mortgage business.
Click here


Industry Insights

Speak with us to find a private label mortgage outsourcing solution that's right for your needs. Learn more