Automated Waterfall Decisioning Across All Agencies and Investors

First-to-Market FHA ML 2025-14 Compliance

DALLAS, TX | September 8, 2025

Outamation, a pioneer in automation and digital transformation that reimagines workflows to deliver impactful business outcomes, today announced the launch of its industry-leading waterfall decision engine within OutamateMods™. The comprehensive 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.”

Key Features and Capabilities

Comprehensive waterfall decision logic:

• 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

Full agency support:

• SMDU integration: Fannie Mae’s Servicing Management and Decision Utility
• Resolve integration: Freddie Mac’s Resolve platform
• FHA ML compliance: Full implementation of recent Mortgagee Letter changes
• VA updates: Removed VASP from VA decisioning waterfall
• USDA enhancement: Payment Supplement Agreement (PSA)
• Portfolio loan support: Performing loan modification strategies

Industry-First FHA ML Implementation

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.

Key Benefits Include:

• Reduced processing time – automated decisions cut review time by up to 80%
• Enhanced compliance – built-in regulatory compliance
• Improved accuracy – eliminates human error in complex scenarios
• Scalable operations – manage volume fluctuations without extra staff
• Real-time reporting – analytics and monitoring

Strategic Industry Leadership

This launch reinforces Outamation’s position as a technology innovator in the mortgage servicing industry. The company’s proactive approach to regulatory changes and agency requirements ensures clients stay ahead of compliance curves while maximizing operational efficiency.

“Our waterfall decision engine anticipates future requirements and positions our clients for continued success.”

Availability and Implementation

The enhanced OutamateMods platform is available immediately for existing clients, with new implementations beginning in Q4 2025. The FHA ML changes module is currently available for client testing.

About Outamation

Outamation is a pioneer in automation and digital transformation, specializing in workflow solutions that deliver measurable business outcomes. Its flagship product, OutamateMods™, revolutionizes home retention processing through intelligent automation, compliance management, and seamless integration.

Outamation serves mortgage servicers, lenders, and financial institutions nationwide, helping them navigate complex regulatory environments while maximizing operational efficiency across all retention program types, including performing loan modifications for portfolio loans.

For more information, visit www.outamation.com.