Outamation Launches Industry-First Waterfall Decision Engine for Home Retention Programs Incorporating FHA Changes

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DALLAS--(BUSINESS WIRE)--Sep 8, 2025--

Outamation, a pioneer in automation and digital transformation that reimagines workflows to deliver impactful business outcomes, today announced the launch of its industry-leading waterfall decision engine within OutamateMods™. The comprehensive solution 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 breakthrough technology revolutionizes how mortgage servicers handle home retention programs across all loan types and investor guidelines, replacing manual review processes with intelligent automation.

“We’re not just keeping pace with industry changes, we’re leading the charge,” said Sapan Bafna, CEO of Outamation. “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.”

Key Features and Capabilities

Comprehensive waterfall decision logic:

• Automated decision-making across all home retention types and investor requirements
• Real-time evaluation of borrower eligibility and retention options
• Intelligent prioritization based on investor preferences and guidelines
• Complete audit trail and decision documentation
  

Full agency support:

• SMDU integration: Direct connectivity with Fannie Mae’s Servicing Management and Decision Utility for seamless GSE loan processing
• Resolve integration: Native integration with Freddie Mac’s Resolve platform for automated decision workflows
• FHA ML compliance: Complete implementation of recent Mortgagee Letter changes
• VA updates: Removed VASP from VA decisioning waterfall
• USDA enhancement: New Payment Supplement Agreement (PSA) implementation
• Portfolio loan support: Comprehensive retention programs including "performing" loan modifications strategies
  

Industry-First FHA ML implementation

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.

Transforming Home Retention Processing

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.

Key Benefits Include:

• Reduced processing time: Automated waterfall decisions cut home retention review time by up to 80%
• Enhanced compliance: Built-in regulatory compliance across all investor types and requirements
• Improved accuracy: Eliminates human error in complex retention scenarios
• Scalable operations: Handles volume fluctuations without additional staffing requirements
• Real-time reporting: Comprehensive analytics and performance monitoring

Strategic Industry Leadership

This launch reinforces Outamation’s position as a technology innovator in the mortgage servicing industry. The company’s proactive approach to regulatory changes and agency requirements ensures clients stay ahead of compliance curves while maximizing operational efficiency.

“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,” added Bafna. “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.”

Availability and Implementation

The enhanced OutamateMods platform, with full waterfall decision capabilities, is available immediately for existing clients, with new implementations beginning in Q4 2025. The FHA ML changes module is currently available for client testing, ensuring seamless transition when regulatory requirements take effect.

About Outamation

Outamation is a pioneer in automation and digital transformation, specializing in workflow solutions that deliver measurable business outcomes. The company’s flagship product, OutamateMods™, is revolutionizing home retention processing through intelligent automation, comprehensive compliance management, and seamless integration capabilities. Outamation serves mortgage servicers, lenders, and financial institutions nationwide, helping them navigate complex regulatory environments while maximizing operational efficiency across all retention program types, including performing loan modifications for portfolio loans.

Founded on the principle that technology should solve real business challenges, Outamation continues to push the boundaries of what’s possible in mortgage servicing automation. The company has received multiple industry awards for innovation and continues to be recognized as a leader in mortgage technology solutions.

For more information about Outamation and OutamateMods, visit www.outamation.com.

This press release contains forward-looking statements based on current expectations. Actual results may differ materially from those projected. Outamation undertakes no obligation to update these statements except as required by law.

View source version on businesswire.com:https://www.businesswire.com/news/home/20250908175614/en/

CONTACT: Media Contact:Alyson Austin

Gaffney Austin

Phone: (949) 403-0484

Email:[email protected] Contact:Outamation

Email:[email protected]

Website:www.outamation.com

KEYWORD: UNITED STATES NORTH AMERICA TEXAS

INDUSTRY KEYWORD: ARCHITECTURE SOFTWARE CONSTRUCTION & PROPERTY BUILDING SYSTEMS URBAN PLANNING TECHNOLOGY OTHER CONSTRUCTION & PROPERTY RESIDENTIAL BUILDING & REAL ESTATE

SOURCE: Outamation

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PUB: 09/08/2025 01:00 PM/DISC: 09/08/2025 01:02 PM

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