Outamation has launched a new waterfall decision engine within OutamateMods that delivers automated decisioning across all agencies and investor types, including seamless connectivity to Fannie Mae’s SMDU and Freddie Mac’s Resolve platform, while being first to market with complete integration of FHA Mortgagee Letter 2025-14 changes.
The new technology revolutionizes how mortgage servicers handle home retention programs across all loan types and investor guidelines, replacing manual review processes with intelligent automation, the firm says.
“We’re not just keeping pace with industry changes, we’re leading the charge,” says Sapan Bafna, CEO of Outamation, in a release. “By being first-to-market with full FHA ML integration and comprehensive agency connectivity, we’re empowering our clients to process loan reviews with unprecedented speed, accuracy, and compliance confidence.”
“The mortgage servicing industry has long needed a solution that could handle the complexity of modern home retention requirements while maintaining the speed and accuracy servicers demand,” Bafna adds. “Our waterfall decision engine doesn’t just meet these needs, it anticipates future requirements and positions our clients for continued success across all retention program types, from traditional agency programs to innovative portfolio solutions.”
OutamateMods is the first platform to fully incorporate the latest FHA Mortgagee Letter changes, positioning clients ahead of compliance deadlines and regulatory requirements. The solution is currently available for client testing, ensuring smooth implementation well before industry mandates take effect.
The new waterfall decision engine eliminates manual review bottlenecks that traditionally slow home retention processing, replacing subjective decision-making with consistent, compliant automation. Servicers can now process all retention options across their entire portfolio – from government loans to private investor requirements, including combo plans, PSA, MRA, and performing loan modifications – through a single, unified platform.