Stop chasing borrowers for the same missing documents.
Recovery OS can request configured missing items, receive supported files, track what has been received, follow up on what is missing and notify the loan team when the file is ready for human review.
Supported images and documents
- Photo ID
- Pay stubs and W-2s
- Bank and asset statements
- Homeowners insurance declaration
- Property tax bill
- Signed disclosures
What it collects for your team
- Supporting borrower documents
- Identification
- Requested financial documentation
- Property-related documents
- Configured disclosures and forms for e-signature
- Status tracking on what is still outstanding
How the image workflow runs
- 1.The agent sends the document checklist for the file stage.
- 2.The borrower sends photos or files from their phone.
- 3.Supported images are checked for legibility and completeness, and missing items are chased automatically.
- 4.Everything lands on the borrower's record with a status of what is still outstanding.
- 5.The loan officer is notified when the file is ready to move.
Where everything ends up
E-signing
Recovery OS can support workflows that generate or send configured documents for electronic signature, track their status and move the customer to the next step once completed. Your business controls the templates, required fields, signature fields, approval logic, routing rules and which documents are authorized.
No lending advice, no eligibility decisions and no rate commitments from the agent — licensed loan professionals handle those.
Recovery OS does not make underwriting decisions or eligibility determinations, and does not provide regulated lending advice.
Available capabilities vary by channel, connected system and configured workflow. External file storage depends on the connected system’s supported API, webhook and document capabilities.