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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 54 S P E C I A L S E C T I O N 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 A leader in verification technology, Xactus is revolutionizing the mortgage industry with Intelligent Verification—a new class of technology designed to transform many manual processes into dynamically configurable workflows. Xactus360, its industry-first Intelligent Verification Platform SM , integrates with existing LOS and POS systems to help lenders realize enhanced decisioning and greater efficiency. Xactus is committed to advancing the modern mortgage and leading the charge through innovation. There are three core areas that Xactus' Intelligent Verification Platform SM , Xactus360, addresses: 1) transforming static, inflexible processes into dynamic workflows; 2) making better loan decisions faster; and 3) reducing data waste. 1. Embracing Dynamic Workflows: Frees lenders to focus on more valuable work while scaling flexibly to meet the needs of the market- place and capture rising volumes. With Xactus360, mortgage lenders can shift their manual waterfall processes toward configurable, dynamic workflows that respond to the specific context lenders may face. By combining data-at-scale, advanced AI technology, and deep domain expertise, clients can customize Xactus360 to deliver a cascade of relevant verification data, eliminating unnecessary data pulls and improving next-best actions. 2. Making Better Loan Decisions, Faster: Xactus360 allows clients to evaluate risk, ensure the ability to repay, mitigate losses, and retain customers much more effectively. With our unprecedented reach, domain expertise, and data scale, lenders can access and utilize the right data at the right time to transform their day-to-day verification processes. Intelligent Verification enables them to make superior loan decisions regardless of circumstance, expertise, and experience. 3. Reduce Waste: By optimizing their product mix and workflow processes from manual waterfalls to a new approach that is dynamic, configurable to their specific needs, and responsive to context, our clients are significantly reducing verification costs. Xactus360 enables this shift, securely aggregating data from across the mortgage ecosystem, integrating with all major LOS systems, and delivering the right data at the right time to meet client needs cost-effectively. It allows clients to increase efficiency, streamline integrations, reduce waste, and gain a competitive edge. XACTUS xactus.com Brought to you by & YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS JULY 2024 Magazine White House Main Street America As the November elections draw near, what ripple effects will the next Administration have on the housing industry? MortgagePoint gathered a panel of experts to dig deeper into the impact of the presidential elections and potential changes in the White House. TO FROM THE Subscribe to MortgagePoint and MortgagePoint Digital now! Visit themortgagepoint.com/mp-access to take advantage of our special offer! Experts you trust. People you know. News you want. MortgagePoint is putting essential mortgage market news at your fingertips with our new digital edition, now available online via your smartphone, tablet, or computer. Enjoy the magazine at your desk, and tap into MortgagePoint Digital's easily accessible platform anywhere, anytime. Committed to giving originators, servicers, and all lending professionals access to smarter perspectives, MortgagePoint believes it's time to think differently about the mortgage industry. Because the American Dream is evolving . . . are you? FEATURE STORY THE BEST SOLUTION IS NOT ALWAYS THE SHINY NEW TOY While it can be debated as to how much default and foreclosure activity lies ahead, default servicers must carefully examine their tech systems to keep ahead of the curve. FEATURE STORY DRIVING GROWTH: LEVERAGING HOME EQUITY TO EXPAND LOAN OFFICER OPPORTUNITIES In a tight market, LOs seeking to diversify their offerings are turning to home equity products to expand their role and become a financial guide for life. COUNSEL'S CORNER FACING THE FORECLOSURE AND BANKRUPTCY CHALLENGES OF TODAY Robert S. Kahane, a foreclosure and bankruptcy attorney with more than 30 years under his belt, discusses current compliance issues related to loan servicing process enhancements. EXPERT INSIGHTS TONY JULIANELLE, CEO OF REAL ATLAS ESTATE discusses current market trends and the forces that will shape the landscape in the industry. ALSO IN THIS ISSUE: Brought to you by & YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS AUGUST 2024 Magazine The Burden of Proof MortgagePoint profiles Bron, Inc., a company that has carved out a unique niche with a focus on crucial but often-overlooked tasks such as managing registrations, utilities, and HOA verifications. TO YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS OCTOBER 2024 Magazine The Industry Leaves Its Mark at Five Star Conference Exclusive coverage from this year's Five Star Conference, including profiles of the Lifetime Achievement honoree, the Women in Housing Leadership Award recipients, and more. THE 2024 FIVE STAR CONFERENCE & EXPO SEPTEMBER 24-26, 2024 DALLAS, TEXAS