Origination, processing, underwriting, closing, and post-closing on a single, audited system of record.
From inbound lead to FHA case number, ReversePilot replaces fragmented intake portals with a structured workspace built around HECM and proprietary product mechanics.
ReversePilot does not have to begin as a full loan operating system. Many teams start with our calculation endpoints to power reverse-specific eligibility checks, pricing scenarios, and pre-qualification workflows inside their existing lead funnels.
POST /v1/calculations/prequalStructured conditions, intelligent document classification, and exception queues by aging keep loans moving without spreadsheets, screenshots, or email forwarding.
A rules-based automated underwriting engine pre-decisions every file against a rulebook you configure to your own credit policy. Underwriters move through a structured path: credit, property, residual income, LESA, and final stipulations — with field-level locking and reason-coded overrides.
HECM-specific closing packages assemble against the live state matrix, with title, notary, and disbursement instructions orchestrated from the same record.
Once a loan funds, ReversePilot orchestrates the trailing-document chase, MERS registration, FHA insurance filing, and structured handoff to your servicer of record.
Four discrete services power the ReversePilot platform: documents, calculations, reporting, and APIs — each independently versioned, each documented, each accountable for its outputs.
A single service produces every document, classifies every inbound file, and enforces retention. Forms are versioned, state-matrixed, and tested against live regulatory updates.
// GET /v1/forms?state=CA&product=hecm [ { "form": "HECM-Closing-Note", "version": "2026.02" }, { "form": "HECM-LESA-Schedule", "version": "2026.01" }, { "form": "CA-Per-Diem-Disclosure", "version": "2025.11" }, { "form": "FHA-Counseling-Cert", "version": "2024.07" } ]
Reverse mortgage math is unforgiving. Our calculation engine treats every input as auditable data: the factor table, the date, the assumption set, and the resulting numbers travel together, forever.
// Same inputs, same outputs — every time { "calc_id": "calc_01HXC9P...", "as_of": "2026-04-22T14:01:11Z", "factor_table": "HUD-2024-09", "inputs": { /* immutable */ }, "outputs": { "principal_limit": 241664.00, "plf": 0.472, "lesa_required": false } }
Live operational dashboards, scheduled regulatory reports, and a full warehouse export — all reading from the same canonical data model your operations team is touching minute to minute.
Every action a user can perform is available via REST, with webhook subscriptions for state changes, granular OAuth2 scopes, and a sandbox tenant for integration partners.
// Subscribe to loan stage changes POST /v1/webhooks { "url": "https://ops.lender.com/rp/events", "events": [ "loan.stage.changed", "document.classified", "calc.completed", "compliance.exception.opened" ], "signing_secret": "whsec_..." }
Loan officers, processors, underwriters, and compliance work the same loan concurrently. Edits merge cleanly, presence is visible, and every change is attributable.
We'll bring sample loans through every stage, against your products and your states — so the platform is grounded in how your team actually works.