Outamation Launches Industry-First Waterfall Decision Engine Incorporating FHA Changes

Outamation, a pioneer in automation and digital transformation that reimagines workflows to deliver impactful business outcomes, has launched its waterfall decision engine within OutamateMods. The solution delivers automated decisioning across all agencies and investor types, including seamless connectivity to Fannie Mae’s SMDU and Freddie Mac’s Resolve platform, while being first to market with complete integration of FHA Mortgagee Letter 2025- 14 changes.

The breakthrough technology revolutionizes how mortgage servicers handle home retention programs across all loan types and investor guidelines, replacing manual review processes with intelligent automation.

“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 include:

>>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

Key benefits include:

SMDU integration: Direct connectivity 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

OutamateMods is the first platform to fully incorporate the latest FHA Mortgagee Letter changes, positioning clients ahead of compliance deadlines and regulatory requirements. The solution is currently available for client testing, ensuring smooth implementation well before industry mandates take effect.

The new waterfall decision engine eliminates manual review bottlenecks that traditionally slow home retention processing, replacing subjective decision-making with consistent, compliant automation.

Servicers can now process all retention options across their entire portfolio – from government loans to private investor requirements, including combo plans, PSA, MRA, and performing loan modifications – through a single, unified platform.

“The mortgage servicing industry has long needed a solution that could handle the complexity of modern home retention requirements while maintaining the speed and accuracy servicers demand,” added Bafna. “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.”