Outamation, a company specializing in automation and digital transformation, has launched its new waterfall decision engine within OutamateMods™. This solution aims to provide automated decision-making for home retention programs across various agencies and investor types, featuring direct connectivity to Fannie Mae’s SMDU and Freddie Mac’s Resolve platform, and incorporating FHA Mortgagee Letter 2025-14 changes.
Sapan Bafna, CEO of Outamation, stated that the mortgage servicing industry has consistently required a solution capable of managing the intricacies of modern home retention requirements while maintaining efficiency and precision.
This technology is designed to transform how mortgage servicers manage home retention programs across all loan types and investor guidelines, by replacing manual review processes with automated decisioning. Mr. Bafna further commented that Outamation is actively leading industry changes by offering comprehensive agency connectivity and being the first to integrate FHA ML changes, thereby enabling clients to process loan reviews with improved speed, accuracy, and compliance.
The key features of the new engine include comprehensive waterfall decision logic, which automates decision-making across all home retention types and investor requirements. It also offers real-time evaluation of borrower eligibility and retention options, intelligent prioritization based on investor preferences, and a complete audit trail with decision documentation.
Full agency support is provided through SMDU integration for Fannie Mae processing, native integration with Freddie Mac’s Resolve platform for automated decision workflows, and complete implementation of recent FHA Mortgagee Letter changes. Additionally, it includes VA updates by removing VASP from VA decisioning, USDA enhancements with a new Payment Supplement Agreement (PSA) implementation, and support for portfolio loan retention programs, including
