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Platform

The reverse mortgage platform, end to end.

Origination, processing, underwriting, closing, and post-closing on a single, audited system of record.

01 · Origination

Capture and qualify, with reverse-specific intake.

From inbound lead to FHA case number, ReversePilot replaces fragmented intake portals with a structured workspace built around HECM and proprietary product mechanics.

  • Counseling certificate validation with HUD-aligned timing rules
  • Financial assessment with residual income and credit history capture
  • Scenario modeling: tenure, term, line-of-credit, modified plans
  • Automatic case number assignment via FHA Connect
  • Borrower portal with status, document upload, and e-sign
Application · RP-205702 Active
Borrower age72 (eligible)
Property typeSFR · Owner-occupied
CounselingVerified · Greenlight HCS · 09/14
Estimated PL$241,664
FHA case #011-2058831 · Assigned
DisclosuresSent · awaiting eSign
02 · Processing

Conditions tracking that doesn't lose loans.

Structured conditions, intelligent document classification, and exception queues by aging keep loans moving without spreadsheets, screenshots, or email forwarding.

  • Conditions library by product, investor, and channel - with overrides
  • OCR + ML classification of inbound documents to the correct condition
  • Vendor order management for appraisal, title, payoff, and insurance
  • Aging buckets, SLA timers, and reassignment for exceptions
Conditions queue · Aging Live
Trust certification · RP-2048813d aging
HOI declaration page · RP-2049202d aging
Final inspection · RP-205104In review
Counseling certificate · RP-205702Cleared
Tax transcript · RP-205712Ordered
03 · Underwriting

A decisioning workspace that respects the rulebook.

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.

  • Rules-based automated underwriting, configurable to your credit policy
  • HECM-aware credit and property analysis templates
  • LESA calculation with full-funded, partial, and waiver pathways
  • Counter-offer modeling against alternate payment plans
  • Stip routing with role-based assignment and SLAs
Decisioning · RP-204881 In review
Credit historyPass
Property conditionPass
Residual incomeMarginal
LESA requiredPartial
Recommended decisionConditional
04 · Closing

Closings coordinated, documents correct, every time.

HECM-specific closing packages assemble against the live state matrix, with title, notary, and disbursement instructions orchestrated from the same record.

  • State-aware closing package generation with versioned forms
  • RON and IPEN support, scheduling with notary and title
  • Disbursement instruction generation with payee verification
  • Right-of-rescission tracking with automatic re-disclosure logic
Closing checklist Funding
  • Closing package generated · 84 documents
  • Notary scheduled · 04/29 · 10:00 ET
  • Title commitment received · clear
  • Disbursement instructions verified
  • Final HUD signed · awaiting funding
05 · Post-Closing

Trailing docs, MERS, and investor delivery without re-keying.

Once a loan funds, ReversePilot orchestrates the trailing-document chase, MERS registration, FHA insurance filing, and structured handoff to your servicer of record.

  • Trailing-doc workflows with vendor escalation paths
  • MERS® registration, transfer of beneficial rights, and TOS events
  • FHA insurance application packaging and submission
  • Investor delivery with structured loan boarding files
Post-closing checklist Funded
Operational engines

The runtime your reverse program runs on.

Each service is independently versioned, documented, and accountable for its outputs — no shared state, no silent failures.

Document Engine
Generate, classify & retain
Calculation Engine
Deterministic & auditable
Reporting & Analytics
KPIs to HMDA submission
API & Webhooks
Open infrastructure
Document Engine

Generate, classify, and retain - without surprises.

A single service produces every document, classifies every inbound file, and enforces retention. Forms are versioned, state-matrixed, and tested against live regulatory updates.

  • Versioned form library with effective-dating
  • State-matrix logic for HECM closing packages
  • OCR + ML classification of borrower-uploaded documents
  • Immutable retention with WORM-grade storage
Calculation Engine

Deterministic. Versioned. Reproducible.

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.

  • Effective-dated HUD factor tables
  • Principal limit, IMIP, growth factor, and set-aside calculations
  • Payment plan reconfiguration with what-if simulations
  • Deterministic outputs reproducible from a single calc ID
Reporting & Analytics

From line-of-business KPIs to HMDA submission.

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.

  • Pipeline, cycle time, and capacity dashboards out of the box
  • HMDA LAR generation with edit-check pre-validation
  • NMLS call report data extracts
  • Warehouse mirroring to Snowflake, BigQuery, and Redshift

Pipeline - last 30 days

Submitted
312
▲ 9.1%
Underwriting
204
▲ 4.2%
Closed
181
▲ 6.8%
Funded
$184M
▲ 11.0%
API & Webhooks

Open infrastructure, documented endpoints.

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.

  • REST API with OpenAPI 3.1 spec
  • Webhook subscriptions with signed payloads and retries
  • OAuth2 client credentials and per-user tokens
  • Sandbox environment with synthetic loan data
View integration catalog →
Real-time collaboration

Multiple desks, one record - without conflicts.

Loan officers, processors, underwriters, and compliance work the same loan concurrently. Edits merge cleanly, presence is visible, and every change is attributable.

  • Conflict-free concurrent editing across teams
  • Presence indicators and field-level locking
  • In-record commenting and @-mentions with notifications
  • Per-field history with reason capture on overrides

Activity - RP-205104

JAJordan A. - updated decision to Conditional
MOMaria O. - uploaded Trust certification
SKSam K. - @mentioned compliance: "please verify CA per-diem"
RPsystem - recalculated principal limit (calc_01HXC9P)
See it on your data

A guided platform tour, mapped to your operation.

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.

Book a platform tour → Read the trust center