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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 50 S P E C I A L S E C T I O N BEST IN TECH BEST IN TECH R E C O G N I Z I N G T H E B E S T I N M O R T G A G E T E C H P roxyPics is a cutting-edge real estate technology plat- form transforming property data collection and valuation for the mortgage industry. Using patented technology and a na- tionwide network of over 180,000 data collectors, ProxyPics delivers real-time, geolocation-verified property insights within hours. The platform supports mortgage lenders, servicers, and investors with solutions such as PCR+AVM for home equity and portfolio lending, Uniform Prop- erty Data (UPD) for first mortgage valuations, and disaster inspec- tions to assess property conditions in FEMA-declared disaster areas. ProxyPics also offers a fully web-based self-inspection solution, allowing borrowers to complete inspections remotely using their own devices. The self-inspection experience is white-labeled with the client's branding—displaying their logo and colors—to maintain a seamless borrower experience. ProxyPics streamlines lending deci- sions by providing fast, accurate, and cost-effective property data. For more information, visit www.proxypics.com. M ortgage payment execution management relies heavily on manual intervention, posing challenges like human error and excessive resource investment. Automating these processes helps mortgage servicers save time and money by reducing manual tasks, minimizing errors, and streamlining workflows. When a borrower sends a paper check with a mismatched coupon amount, the funds are placed in a suspense account, diverting the servicer's attention from other tasks. REPAY's PaymentIQ solution automates payment application to escrow, principal, and other processes, while keeping borrowers informed of their payment status. It can read, react to, and apply paper check payments to the correct accounts, expediting the payment process and simplifying multiple mortgage loan payments. Bankruptcy payment processing, which historically required manual intervention, can instead be automated. REPAY also facilitates seamless data exchange between financial and lender systems, reducing errors and improving efficiency. PaymentIQ's exception management capabilities handle pay- ment discrepancies by enabling real-time tracking and automated corrections. This automation eliminates error-prone paper processes, delivers faster posting times, and tracks exceptions through audit trails, saving time and resources while reducing errors. Borrowers now prefer digital payment methods over tradition- al paper checks. REPAY's digital payment technology transforms mortgage servicing by providing faster, more secure, and convenient options. REPAY's integration with ICE Mortgage Technology allows servicers to also offer debit card payment acceptance, enhancing flexibility and convenience. With REPAY's technology, servicers can offer various payment methods, including ACH and digital wallets, ensuring borrowers can choose the best option, resulting in higher compliance and reduced delinquency rates. To ensure timely repayment of mortgage loans, lenders can opti- mize collections with digital technology by making loan repayments easier, more convenient, and fully traceable. Enhancing payment pro- cesses with REPAY's technology smooths the remittance experience for consumers and enables greater speed, efficiency, and control of collections for lenders. PROXYPICS REPAY ProxyPics.com repay.com What Sets ProxyPics Apart: • PCR + AVM: A bundled solution for fast, compliant home equity and portfolio lending decisions. • UPD: Fully compliant with GSE standards and approved to support the new hybrid appraisal offering using trained, background-checked data collectors. • ProxyPics Direct: Web- based, borrower-led self-in- spection solution with full white-label capability. • Disaster Inspections: Rapid assessments for FEMA-de- clared zones to support servicing and insurance reviews. • View360 + Floor Plans: Immersive visual tools cap- tured via our mobile app-no extra equipment needed.