Address: 200 Ashford Center Suite 165, Atlanta, GA 30338

Perfecting AI Underwriting Solutions Since 2019

Over 1,000,000 Loans Pre-Underwritten
Fannie, Freddie, FHA, VA, & NonQM
Document Based with 17 years of Perfecting Rule Sets

Supercharge Underwriting Scalability with the Power of AI

Reduce underwriting, manufacturing, due diligence and boarding costs:

  • AI Platform offers a significant competitive advantage shortening the loan lifecycle’s days

  • Enabling mortgage players to scale their operations up and down across multiple channels more quickly

  • Cost to produce is significantly reduced so profit per loan and per trade is dramatically increased

  • Fully Conditioned in 4 to 24 hrs by Channel

AI without the Smoke & Mirrors

Get Your Costs Under Control

  • Zero Origination Costs

  • Flexibility to Quickly Tackle Volatile Industry Cycles Efficiently 

  • Scale Without the Limitations Of Past Solutions

Zero Up Front Costs

  • Underwriting Costs Become Variable Immediately
  • Fully Operational In Weeks
  • 100% Of Files Underwritten Same Day / Next Day – No Backlogs

Try Before You Buy

  • We’ll Run A Full Day’s Production (Or More) With No Cost To You

  • Results Posted Back Within 24 Hours, Regardless Of The Unit Volume

  • Once In Production Results Posted To Your LOS

LOS Independent

  • No System Integration (Optional) Required to launch

  • Scalable to ANY CAPACITY within 8 to 12 weeks

  • Increases Underwriter Productivity to 10+ CTCs per day

  • Cloud Based, Anywhere, Need to Know / Right to Know Access

  • AI Platform creates huge market advantage cutting days out of loan lifecycle

More Than 1,000,000 Files Pre-Underwritten

  • Techmor AI Underwriting & Due Diligence Platform Supports All Programs and Delivers 24-hours SLA’s
  • Fully deployed in Call Center, Retail, Wholesale, Mini-C / Non-Del & Corr
  • Fannie, Freddie, FHA, VA, USDA, HFA/DPA & NonQM – ALL Live since 2019
PRODUCTSPROGRAM TYPESCOMPLEXITIES
 Rate & Term
Refinance
Cash Out
Refinance
PurchaseActive Duty VAMulti-REO inluding 8+Self Employed
Schedule C
Self Employed
1065
Self Employed
1120s
Self Employed
1120 C-Corp
Conventional Conforming
Conventional High Balance
FHA Full Doc Manual UW
Plus FHA Streamline
VA Full Doc Manual UW
Plus VA IRRRL
NonQM & "NonAgency"

Retail, Wholesale & Correspondent Lenders

Underwriting at every stage from TBD to Post Close / Prior to purchase Review Trues up URLA data set based on available documents at each (Re)submission Delivers UW Conditions, Decision Recommendation and Completed UW Workpapers (income, liabilities, assets, etc.) Compliance Reviews TRID Analysis, LEs, COCs, CDs & ALTAs plus Deliver fully indexed documents, Trued up Data Set and Variance Report All of the above deliverables posted to YOUR LOS same day / next day …no more backlogs

Correspondent buyers

100% Due Diligence for 1/3rd the Cost done in 10% of the Current Time. Bid Better Increase Margin & Settle Faster

Loan & MSR Traders

Friction free re-trading with zero re-touch enables up-trade/down trade reverse inquiry bidding. Even mid-trade.

Mortgage Servicers

Boarding in 10% of the Time At Significant Cost Reduction 100% Indexing & Data Reconciled To Docs of Record

our advisory board

Paul L Wyner,

Engagement Management Team

Meet Paul Wyner, a 30+ year, seasoned mortgage banking advisor based in St. Louis, MO. With a passion for leveraging fintech to enhance profitability in the mortgage industry,Paul brings a perfect blend of expertise and innovation.

Keith G. Bilodeau,

Engagement Management Team

Executive Leader with 41 years’ experience in the mortgage banking industry including leadership roles in production development and management, capital markets, TPO operations and marketing.

Dutch Schorgl,

Engagement Management Team

Accomplished production executive with over 30 years of TPO mortgage experience. Held leadership roles in production, product development, marketing and CRM development.

Ned Dibble,

Techmor Executive

With 25 years of Managerial experience in Origination, Loan Brokerage, Contract Processing, Loss Mitigation, Call Centers and Closing,manages engagement logistics for TechMor.

Chris Wiley,

Managing Partner

Chris has consulted at the intersection of Technology and Mortgage for 2 decades.He spent tours with PwC and E&Y. His transition to Mortgage was via his teams at WaMu who subsumed the Thrift and S&L industry.  That led to a PwC project Chris where he helped launch MCT Trading.  He returned as COO in 2005 until the ’08 crash when he met the now TechMor team as they acquired his client.

Leena Kostelich,

Engagement Management Team

Starting in the Lending Industry straight out of High School, Leena has experienced all levels of Mortgage, from Operations to Fintech. She is passionate about industry advocacy efforts and supporting those who contribute to the good. Her commitment to serving clients with integrity and transparency has led her to TechMor.

Correspondent Review

MSR Trade

MSR Pool Trade On-Boarding

Limited Recourse: 24 Docs Types / 100 to 150 Fields

 

Co-Issue MSR Flow Trade On-Boarding

Full Recourse: 24 to 700 Doc Types / 100 to 400 Fields

Delegated Correspondent

Full Delegated Correspondent Bulk Trade

Full Recourse: 100 to 700 Doc Types / 100 to 1,800 Fields

 

Full Delegated Correspondent Best Effort Flow

Option for Re-Underwrite Sampling: 200 to 700 Doc Types / 100 to 3,500 Fields

Non Delegated Correspondent

Non-Delegated Correspondent Flow

Option for 10% or greater Full Re-Underwrite Sampling: 400 to 700 Doc Types / 1,800 to 12,000 Fields

 

Non Delegated Mini-Correspondent Flow

Option for Pre-Funding QC & Full Re-Underwrite Sampling: 400 to 700 Doc Types / 1,800 to 32,000 Fields

Address: 200 Ashford Center Suite 165, Atlanta, GA 30338
© 2022 Techmor - All Rights Reserved.

Paul L Wyner

Engagement Management Team

Accomplished senior sales executive with 30+ years of TPO, Correspondent and Non-Delegated Mortgage experience. Accomplished sales leader. Strong background in developing and executing training for account executives and loan officers . Worked closely with marketing, developed social media strategies and coordinated efforts via PMO. Well versed in revenue and margin management and demonstrated successful and profitable P&L’s.

A senior executive sales leader, with extensive and diverse experience in sales/production, relationship building, and the development of high-performance teams. Paul also has significant experience in business expansion strategies, process improvements, recruiting, training, strategic planning and budgeting.  Paul has enjoyed the many relationships and friendships,  built over a career spanning over 30 years. There are many tools in the market that he has used to help identify new prospects, provide solutions to their challenges,  and gain a better understanding of the psychology of teams / selling. Interestingly, the most successful tool Paul has encountered, has been curiosity.  
 
“Millions saw the apple fall, but Newton was the only one who asked why.”
 
-Bernard Baruch

 

Keith G. Bilodeau

Engagement Management Team

Dynamic and motivated executive leader with 41+ years of experience in the mortgage banking industry. 9 years in capital markets product development and pricing, 32+ years with primary focus within Third Party Broker and Non Delegated channels.  Lead Sales Development and Management Teams, Lending Operations Management, Product Marketing, and represented the TPO channels in establishing Legal and Compliance Policies and Procedure. Proven track record of building loyal sales, operations, and marketing teams to drive client acquisition, production volume, and revenue growth with keen focus on safe, sound, and compliant lending practices. Excellent communication and leadership skills. Demonstrated P&L management success.

Dutch Schorgl

Engagement Management Team

Accomplished production executive with over 30 years of TPO mortgage experience. Held leadership roles in production, product development, marketing and CRM development.

Ned Dibble

Techmor Advisor

Ned joined the Mortgage Industry via NationsBanc Mortgage in 1997 where he produced $100Million of new loans by year 2. In 2003 he cooperated with some Silicon Valley folks to introduce an early version of computer driven Loan Processing through Baton Processing,
which became a preferred processing partner for Originators specializing in ‘B/C Lending’.
After the crash, Ned joined Chris Wiley to build out and manage a boutique Loss Mitigation firm originating FHA 10-23 balance forgiveness mortgages as a resource for distressed mortgage investors until FHA sun-setted that program in 2016. Ned helped evolve the infrastructure of this initiative into a ‘last chance’ mortgage brokerage by managing Lead Gen, Call Center, and LOS integration. Ned joined Chris at TechMor Services to manage engagements in 2018.

Chris Wiley

Managing Partner

Chris has consulted at the intersection of Technology and Mortgage for 2 decades.He spent tours with PwC and E&Y. His transition to Mortgage was via his teams at WaMu who subsumed the Thrift and S&L industry.  That led to a PwC project Chris where he helped launch MCT Trading.  He returned as COO in 2005 until the ’08 crash when he met the now TechMor team as they acquired his client.


Chris helped lead the practical implementation of our AI and Machine Learning since 2017.  He helped lead their transformation from full-doc manual underwriting as contract services, with thousands of employees, into a spinoff as TechMor.  Since its debut in 2019, TechMor quietly emerged as the dominant AI/ML UW Platform with 500,000+ files delivered, including Fannie, Freddie, FHA, VA, USDA, & NonQM.

Leena Kostelich

Techmor Advisor

Starting in the Lending Industry straight out of High School, Leena has experienced all levels of Mortgage, from Operations to Fintech. She is passionate about industry advocacy efforts and supporting those who contribute to the good. Her commitment to serving clients with integrity and transparency has led her to TechMor.