End-to-End Mortgage Services

Accelerate Loan Cycles, Ensure Compliance, and Enhance Borrower Experience with Our BPO Solutions.

House Keys

Streamlining the Path to Homeownership

The mortgage industry demands exceptional accuracy, speed, and strict adherence to regulatory standards. ZST provides comprehensive back-office support for mortgage lenders, banks, and credit unions. We handle the time-consuming operational tasks, allowing you to focus on building client relationships and growing your business.

Our Mortgage BPO Services

We provide support across the entire mortgage lifecycle, from origination to post-closing.

Loan Processing & Setup

We ensure every loan file is complete, accurate, and ready for underwriting from the very beginning.

  • Application Data Entry
  • Document Indexing & Stacking
  • Verification of Employment (VOE)
  • Credit Report Review

Underwriting Support

Our team assists your underwriters by performing critical data checks and document reviews.

  • Pre-underwriting File Review
  • Condition Clearing
  • Appraisal & Title Review
  • Compliance Checks

Closing & Post-Closing

We ensure a smooth closing process, followed by meticulous post-closing audits and document management.

  • Closing Disclosure (CD) Preparation
  • Pre-funding Quality Control
  • Trailing Document Management
  • Loan Boarding & Servicing Setup

Quality Assurance

Maintain the highest standards of quality and compliance with our independent audit and quality control services.

  • In-line Quality Checks
  • Post-closing Audits
  • Regulatory Compliance Audits
  • Performance Reporting

Our Mortgage Process

A structured approach to guarantee quality and efficiency from start to finish.

1

File Setup

Loan application is received, reviewed for completeness, and set up in your Loan Origination System (LOS).

2

Processing

We order third-party services (appraisal, title) and verify all borrower documentation.

3

Underwriting Support

The complete file is submitted for underwriting. We assist in clearing any conditions promptly.

4

Closing

Once approved, we coordinate with all parties to ensure a smooth and timely closing process.

The ZST Advantage

Why mortgage lenders partner with ZST to optimize their operations.

Regulatory Compliance

Our teams are trained on the latest industry regulations (TRID, RESPA, TILA) to minimize compliance risk.

Faster Turnaround Time

Our efficient, 24/7 operations significantly reduce the time from application to closing.

Significant Cost Reduction

Lower your operational costs by up to 40% by outsourcing non-core, back-office mortgage tasks.

Scalable Operations

We provide the flexibility to scale your processing capacity up or down based on market demand.

Ready to Streamline Your Mortgage Operations?

Discover how our expert BPO services can reduce costs and accelerate your loan processing cycle.

Request a Consultation