Mortgage Services

DELTA EXEON end to end understanding of the intricacies of mortgage processes and our broad spectrum support services are your trusted combination to handle the present economic challenges of banking institutions.We can help with our experience based expertise to optimize productivity and streamline cost for your company.

By outsourcing these processes to us, your critical staff can now focus on value added functions that directly fuel business growth while we take care of your back office support capably.

We provide services right across the mortgage value chain, from origination and fulfillment to secondary marketing and servicing.

Other Key Services Include:

• Mortgage Pre-Underwriting Services
• Business & Commercial Lending 

Delta Exeon Solution provide pre-underwriting services for leading financial services companies…

Delta Exeon mortgage specialist team would update the borrower details, bank details and credit score information, prepare your document folder for your Underwriter to underwrite a loan in minutes. Once Delta exeon receives the collaterals, the team starts working in putting all the data in order in your Underwriting Software within no time. Delta Exeon carry out pre-underwriting process with professional expediency and precision while reducing your costs.

Delta Exeon Solution infrastructure and process is HIPAA and ISO 27001 compliant and operates in a secure environment. You clients’ personally identifiable information is protected.

Delta Exeon professional and courteous Pre-Underwriting service specialist team comprises of qualified graduates in finance discipline with professional experience of serving some of the fastest growing financial services company in the US.

Our Turnaround time (TAT) is two business hours.

TAT is the time taken from the time we receive the file with mandatory documents to the time when the Pre-Underwriting work is completed & delivered. Almost 98% of the orders are completed during the same business day. Day end orders are delivered before start of next business day.

Mortgage Underwriting Process Steps

• Client would notify Delta Exeon via email that order/deal has arrived
• Clients would share an Internet work flow tool with Delta Exeon in order to carry out Pre-Underwriting process.
• Client provides all mandatory documents (bank statements, tax returns & loan application) to Delta Exeon on the work flow tool.
• Delta Exeon team verify the business information & owner information by pulling SOS report & Experian business report.
• Using the work flow tool Delta Exeon  inputs bank details like Opening/Closing balance, Deposits, Withdrawals, Negative days, OD fees, Daily balances etc. and Sales details from Tax return.
• As a next step Delta exeon pulls OFAC and Experian credit report and input all the details including Liens, UCC filings, Judgments, Bankruptcy, FICO score etc.
• Delta Exeon  follow up with the client for any missing documents and take it to closure.

Delta Exeon completes the Pre-Underwriting process within 2 business hours with 100% accuracy.

1. New Business Acquisition

• Inbound/outbound enquiries
• Lead generation & pre qualification
• Research support services

2. Collateral Ordering & Review

• Credit reports
• Property reports
• Title reports
• Mortgage insurance
• Flood, hazard & other reports

3. Servicing Collections Maintenance

• Early and overdue collection calls
• Asset management
• Overdue payments processing
• Accounting and reconciliation
• Investor reporting

4. Pre Underwriting & Closing Support

• Credit evaluation
• Collateral evaluation
• Summary & pre underwriting decisions
• Doc prep & closing support
• Post closing services
• Due diligence services

5. Settlement Services

• Title agency production
• Closing agency production
• Vendor management support
• Flood zone reports
• Appraisal services