onDemand Origination Services by ISGN can help you centralize your loan production and save you more than 50% of your current costs. How can this be achieved? By cutting your fixed costs and providing you with a variable cost staffing model that offers the capacity augmentation and cost savings provided by offshore resources, combined with the advantages of having domain knowledge and local support from our U.S. operations center.

All work that can be coordinated and performed over telephone, fax and the Internet is done at our India operations center, supervised by experienced domain experts in the United States. Work that needs access to physical documents or is location-dependent also gets performed at our U.S. subsidiary in Miami, FL by processors and QC staff who have extensive experience processing all loan types. Moreover, we provide a dedicated and a back-up loan officer and processor for each file so there is always someone knowledgeable to answer questions and keep the process flowing smoothly.

ISGN’s OnDemand Fulfillment Services include:

Loan Officer Services
	Provide prequalification to borrower
	Take a 1003 over the phone or Internet Order and review credit report and appraisal
	Advise borrower about loan programs and select loan program
	Finalize loan program and lock-in/float interest rate
	Provide RESPA documents and disclosures to borrower by fax or Internet
Loan Processor Services
	Request, receive, and review VOD/VOE, W-2/income statements, asset documents, gift letters etc., using fax, e-mail or regular mail
	Review loan application for deficiencies and fully complete it
	Prepare transmittal summary/worksheet and submit loan for manual/automated underwriting
	Clear underwriting stipulations in association with loan officer
	Receive a final loan commitment
	Coordinate loan closing with closing/settlement agent