Tour the Product: Mortgage

We help mortgage lenders create the perfect mortgage – high quality loans produced with minimal resources that deliver strong gain on sale margins. Sapiens Decision is used by leading mortgage lenders and GSEs in a wide variety of ways across the mortgage lifecycle. Learn how Sapiens Decision can automate quality and productivity in your processes.

Originations

Automate manual processes from applications to underwriting

Secondary Marketing

Produce qualified mortgages with transparency for auditability

Servicing

Align your servicing standards and policies with multiple lenders

General

Make changes to your LOS/AUS quickly and deploy enterprise grade code

Originations

All mortgage loans require documentation, but most, if not all, documents expire. Expired documentation leads to closing delays, post-closing rework, and customer dissatisfaction. Manually reconfirmations can also be flawed and risky.

This demo shows how document expiration challenges can be addressed by automation, enabling you to track multiple documents by borrower and all subject-property documentation.

This demo describes how easy it is for business analysts to model and test policy logic under multiple scenarios to avoid costly errors.

Areas Covered
• Model
• Test

Resource
Expired Documentation

Secondary Marketing

Interest rate float-down options are a convenient tool to meeting customers’ anxiety over rate locks. But lender policies for float-downs are rarely built in to systems and are often purely manual processes. Lenders need a better way to implement these policies with limited IT resources.

This demo describes how easy it is for business analysts to model and test policy logic which can be implemented as IT ready code.

Product Areas
• Model
• Test

Resource
Lock Float Down
GSE policies, credit standards and economic factors all impact your pricing, customer service, and profit margins. Thriving in this environment requires end-to-end accuracy and the ability to make rapid updates.

This demo shows how you can quickly implement changes in your pricing engines to mitigate risk and provide the best service to your customers and investors.

Product Areas
• Model
• Test

Resource
LLPA

Servicing

Covid-19 related foreclosure protections from Federal rule changes challenged lenders to implement complex changes both quickly and completely. Current systems and manual processes have issues flexing fast enough.

This demo shows how automated safeguard checks may be implemented as part of an accessible, transparent, auditable and compliant foreclosure process.

Areas Covered
• Model
• Test

Resource
Covid-19 Forclosure

General

A product matrix is a common way to illustrate a loan’s eligibility based on loan criteria. However, loan scenarios don’t always fit neatly into a simple matrix due to footnotes, superscripts and subscripts.

This demo shows how you can manage your product eligibility guidelines quickly and easily, and test changes and instantly see your logic in action.

Product Areas
• Change

Resource
Logic Change
You probably wait too long to deploy your business logic with your current rules engine. Developing code quickly and moving it through the approval process can be time consuming.

This demo shows that Decision Manager paired with DaaS allows for hot deployments to support a streamlined deployment process.

Product Areas
• Deploy

Resource
Deploy Model