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FINOFR

Reset Mortgage at FINOFR is a patented digital mortgage modification solution. Every lender has a manual modification process in place today that cost time, money and resources. With Reset Mortgage the bank or credit union can automate their modification process and obtain a 90% retention rate. Our solution eliminates the ARM "cliff" and solves mortgage retention.

 

A modern, scalable retention solution that strengthens portfolio value, reduces churn, and future-proofs servicing strategy.

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Overview
Strategic Services

Reset Mortgage at FINOFR allows borrowers to click a button and reset their mortgage in 90 seconds without going through a full refinance process. We have solved retention issues with this digital customer experience and the CFPB have applauded our digital reset technology. Mortgage pre-payment speeds are increasing due to FinTech lenders. We have helped our clients retain over $24 billion of portfolio mortgage loans with zero back office resources. We estimate millions of dollars saved because of the digital efficiency.

 

Our clients are some of the banks in the country and they chose us when it comes to the challenges of digital mortgage loan retention.

Highlights

Key Benefits:

Borrower Retention - Offer Reset option to keep borrowers from refinancing elsewhere

Cost Efficiency - Automate manual processes, cut servicing costs, and scale without hiring

Risk Mitigation - Reduce delinquency risk and protect against payment shocks

Compliance Ready - Maintain audit trails and align with evolving redulatory expections

Revenue Preservation - Retain servicing income and upsell additional financial products

 

Applicable in all rate enviroments

Rising Rates - Cap adjustments to reduce payment shocks

- Convert ARM's to fixed

- Eliminate ARM "Cliff" when natural adjustment occurs

 

Falling Rates - Offer quick rate reductions to retain loans based on triggers

- Beat competitors to refinance ready clients

- Mitigate loan runoff due to lower rates

Details

Vendor Category

Strategic Services

Pricing Model

Volume-Based Pricing

Works well with

Overview

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Interested in learning how this solution can transform your mortgage business? Request more details to discover how it can streamline operations, improve efficiency, and integrate seamlessly with your existing workflow.

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Product Comparison

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FINOFR

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Moder Solutions, LLC.

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Exchange Service Network by Dark Matter Technologies

Overview

Reset Mortgage at FINOFR is a patented digital mortgage modification solution. Every lender has a manual modification process in place today that cost time, money and resources. With Reset Mortgage the bank or credit union can automate their modification process and obtain a 90% retention rate. Our solution eliminates the ARM "cliff" and solves mortgage retention.

 

A modern, scalable retention solution that strengthens portfolio value, reduces churn, and future-proofs servicing strategy.

Powering End-to-End Mortgage Lifecycle Management

Empowering the mortgage industry to acheive more.

Highlights

Key Benefits:

Borrower Retention - Offer Reset option to keep borrowers from refinancing elsewhere

Cost Efficiency - Automate manual processes, cut servicing costs, and scale without hiring

Risk Mitigation - Reduce delinquency risk and protect against payment shocks

Compliance Ready - Maintain audit trails and align with evolving redulatory expections

Revenue Preservation - Retain servicing income and upsell additional financial products

 

Applicable in all rate enviroments

Rising Rates - Cap adjustments to reduce payment shocks

- Convert ARM's to fixed

- Eliminate ARM "Cliff" when natural adjustment occurs

 

Falling Rates - Offer quick rate reductions to retain loans based on triggers

- Beat competitors to refinance ready clients

- Mitigate loan runoff due to lower rates

What We Do

  • Customer Experience
  • Back Office
  • Expert Counselling
  • Digital Foundry

How We Deliver Value

  • Mortgage Expertise: With over 200 years of combined leadership experience in the mortgage industry, we understand the details that matter. Our solutions are tailored, not one-size-fits-all. We deeply understand industry dynamics, market trends, and regulatory changes. Leveraging a consultative approach and a proven track record, we design compliant, modernized operations that boost agility, elevate performance, and unlock value at every stage.
  • Embedded Transformation for Sustainable Efficiencies: Moder is more than just an execution partner - we are transformation enablers. Our approach combines skilled talent with automation, AI, and intelligent process design to deliver measurable and lasting impact.
  • Licensing and Regulatory Strength Across Global Delivery Centers: With licenses in four countries and across delivery locations, Moder provides unmatched geographical flexibility, scalability, and risk mitigation to our clients. Our extensive licensing includes SAFE Act and Collections licenses, and we ensure compliance with all applicable state and federal data protection regulations.

Why Choose Moder

  • Purpose-Built for Mortgage
    With decades of collective leadership experience in the mortgage industry, we understand the details that matter. Our solutions are thoughtfully tailored—not one-size-fits-all.
  • People + Tech, Working Together
    We combine skilled talent with automation and AI to deliver real impact. It's not about replacing people—it’s about empowering them to do more valuable work.
  • Value-First Approach
    We start with initiatives that deliver quick wins and long-term value. Whether you're looking to cut costs, reduce turn times, or scale with confidence, we align with your priorities from day one.
  • Flexible, Scalable, Reliable
    Whether you’re navigating a market shift or preparing for your next phase of growth, Moder evolves with you. Our delivery model is built to scale—and built to last.

More than just a service provider, we act as an extension of your team, bringing insights, innovation, and execution together in one seamless experience.

  • Brings all critical closing services into a single platform where lenders and servicers can instantly order from and communicate with partners, and exchange data from each parties’ system of record.
  • The rules-based platform features comprehensive, client-configurable product selection, data aggregation, as well as centralized ordering.
  • No longer will you need to access a third-party website for each service ordered, nor re-key critical loan or product data into the order or into the loan file.
  • There’s an Exchange solution for every closing step.
  • Encrypted data is sent securely with a push of a button so there’s no need to worry if you missed an email or phone call. All information is pushed into your system of record and is available instantly.
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FINOFR
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2

average rating is 5 out of 5

June 10, 2025 at 2:23:03 AM

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Jake Perkins

average rating is 5 out of 5

May 29, 2025 at 3:52:11 PM

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Jake Perkins

average rating is 5 out of 5

May 29, 2025 at 3:51:46 PM

I really enjoyed working with the Stivot team. They helped provide clear direction and executed effectively on our vision.

average rating is 4 out of 5

April 4, 2025 at 10:06:01 AM

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