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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 6 October 2025 M T E C H "Virtual Staging is the latest example of how we're bringing our AI strategy to life for consumers and agents," said Josh Weisberg, SVP of AI at Zillow. "From the Zestimate to personalized search and now to dynamic listing experiences, AI has long been part of Zillow's DNA. Vir- tual Staging applies the AI field of com- puter vision to restyle listing photos in real time to help shoppers see a home's potential and give agents a time-saving way to stand out. It's the next chapter in Showcase's evolution and a step forward in making home shopping more immer- sive and personal." The integration reflects Zillow's broader AI vision to: • Personalize the experience for buyers and sellers—helping buyers reimag- ine a space in styles they love, while giving sellers new ways to make their home stand out on Zillow. • Make the process effortless for agents—delivering high-impact listings that support success at the listing presentation. • Fully integrate AI into Showcase— enhancing Zillow's premium listing experience. OUTAMATION INTRODUCES WATERFALL DECISION ENGINE FOR HOME RETENTION PROGRAMS T he release of Outamation's waterfall decision engine within OutamateMods has been an- nounced. Being the first to market with full integration of FHA Mortgagee Letter 2025-14 revisions, the entire solution offers automated decisioning across all agencies and investor types, as well as seamless linkage to Freddie Mac's Resolve platform and Fannie Mae's SMDU. "We're not just keeping pace with industry changes, we're leading the charge," said Sapan Bafna, CEO of Outamation. "By being first-to-market with full FHA ML integration and comprehensive agency connectivity, we're empowering our clients to process loan reviews with unprecedented speed, accuracy, and compliance confidence." Key Features & Capabilities Comprehensive waterfall decision logic: • Automated decision-making across all home retention types and investor requirements • Real-time evaluation of borrower eligibility and retention options • Intelligent prioritization based on investor preferences and guidelines • Complete audit trail and decision documentation Full Agency Support: • SMDU integration: Direct connec- tivity with Fannie Mae's Servicing Management and Decision Utility for seamless GSE loan processing • Resolve integration: Native integration with Freddie Mac's Resolve platform for automated decision workflows. • FHA ML compliance: Complete implementation of recent Mortgagee Letter changes. • VA updates: Removed VASP from VA decisioning waterfall. • USDA enhancement: New Payment Supplement Agreement (PSA) imple- mentation. • Portfolio loan support: Comprehen- sive retention programs, including "performing" loan modifications strategies. The new waterfall decision engine replaces subjective decision-making with consistent, compliant automation, removing manual review bottlenecks that have historically slowed home retention processing. Through a single, unified platform, servicers can now execute all retention options across their entire portfolio, including combo plans, PSA, MRA, and performance loan mod- ifications, as well as government loans and private investor needs. Key Benefits Include: • Reduced processing time: Auto- mated waterfall decisions cut home retention review time by up to 80% • Enhanced compliance: Built-in regu- latory compliance across all investor types and requirements • Improved accuracy: Eliminates human error in complex retention scenarios • Scalable operations: Handles volume fluctuations without additional staff- ing requirements • Real-time reporting: Comprehensive analytics and performance monitoring Outamation's standing as a tech- nological pioneer in the mortgage servicing sector is strengthened by this launch. Clients are kept ahead of compliance curves while optimizing operational efficiency thanks to the company's proactive approach to regula- tory changes and agency requirements. "The mortgage servicing industry has long needed a solution that could handle the complexity of modern home retention requirements while maintain- ing the speed and accuracy servicers demand," Bafna said. "Our waterfall decision engine doesn't just meet these needs, it anticipates future requirements and positions our clients for continued success across all retention program types, from traditional agency programs to innovative portfolio solutions."