Brought to you by the pioneers of home retention, the Z Calc™ product line is the unique decisioning engine that functions in its independent components, dynamic zones, and as a robust system depending on your home retention needs.
We'll let you in on a little secret: the home retention process doesn't begin at the fulfillment of a workout - it begins when the borrower makes contact with the Servicer. The Z Calc™ Borrower Portal not only addresses the issue of "Customer Experience," but additionally functions as a dynamic interactive interface that reduces excess time and resources for the ingestion of borrower data.
All these items can prevent current problems such as snail mail, human error in filling out forms and excessive expenses associated with servicer manual input of borrower information required for the “fulfillment” of the workout. We have eliminated the need for unnecessary printing, mailing, faxing, and other issues that delay the loan workout process. Our process creates a superior customer experience, vastly reducing expenses as well as the processing time for the workout from the standard processing time of months down to only a few days.
The Z Calc™ Borrower Portal automatically gives every borrower the ability to track the status of their application, including supplemental documents under QC review.
Eliminate miscommunications, frustration, and excessive phone calls in your customer support by inviting the borrower to follow along in the application process.
To put it simply, we've created the Goldilocks of Quality Control. Yes, you read that right. By streamlining the QC process with a user friendly platform, our services ensure that every box gets checked without the overkill of your standard underwriting system.
The Z Calc™ QC Digital Platform is designed to compliment our borrower portal by directly linking borrower document submissions and applications to the online platform, ensuring the easy transfer of data for review. To take things a step further, we've linked our QC to the borrower's status tracker -easily notifying the borrower of any missing, or incomplete documents, and allowing the borrower to follow along.
With the click of a button, QC review is able to decide from the following document status selection:
The Z Calc™ is writing the future of Home Loan Retention services. Gone are the days of paper, multiple forms, and manual processing of various loan modification programs. In addition to drastically outperforming traditional manual input, Z Calc™ conforms to all program modification requirements. This includes:
Z Calc™ gives the Investor or Servicer the ability to process individual case information in a single order entry, or in bulk/batch file uploads for processing.
All Solutions include a robust Business Intelligence Engine allowing in depth Data Analytics and reporting.