Style Switcher

Default: Full width Boxed




Get a FREE Quote
Quick Contact

Processing Services

Our team confirms submitted documentation is sufficient for the project, meaning it meets all requirements and is comprehensive in nature. We also index/organize document pages, enter data into the loan origination system, and order the necessary reports.

mortgage processing services

Kensium BPO has been instrumental in providing Processing support to the Mortgage Origination of loans. Kensium BPO builds a bridge between the broker/borrower/lender and also with the escrow team, thus by helping the Borrower to check directly with our Processors instead of checking with various teams.

Kensium Processors are responsible for:

  • Gathering documentation regarding borrower/property
  • Review information in the documents
  • Open Escrow account
  • Order credit report
  • Order Verification of Employment and Verification of Deposit
  • Order Property inspection / Appraisal report
  • Order Title search

Post the Processor completes the above steps; the file is moved to the Underwriter for credit evaluation. Underwriter reviews the file and generates conditions or stips to be obtained from Borrower or third parties involved in the transaction.

Kensium Processor is responsible for obtaining the documentation from Borrower or third-parties as per the Conditions generated by the Underwriter. Once all the documents are submitted again to Underwriter and post Underwriter confirms the conditions are satisfied then the file is moved to closing.

Kensium Processor also prepares the file package for closing and clears any conditions during this stage. Kensium Processor also verifies if the file is in compliance as per the US acts and regulations. Kensium Processor prepares the final closing disclosures and obtain Borrower(s) signature on it to proceed to funding of the file. Closing documents are then printed out and send to the Title company/Closing agent where the closing/funding of the loan happens.

Below are some of the information or documents the Kensium Processor works to ensure the completeness of the loan:


  • Name of current employer, phone# and address
  • Length of time at current employer
  • Previous employer details
  • Position/title
  • Salary including overtime, bonuses or commissions


  • Two years of W-2s
  • Profit & Loss statement if self-employed
  • Pensions, Social Security
  • Public assistance
  • Child support
  • Alimony


  • Bank accounts (savings, checking, brokerage accounts)
  • Real property
  • Investments (stocks, bonds, retirement accounts)
  • Proceeds from sale of current home
  • Gifted funds from relatives (e.g. down payment gift for FHA loan)


  • Current mortgage
  • Liens
  • Alimony
  • Child support
  • Car loans
  • Credit cards
  • Real property

Property Information

  • Address of the property
  • Expected sales price
  • Type of home (single family residence, condo, etc.)
  • Size of property
  • Real estate taxes (annual)
  • Homeowner’s association dues (HOA)
  • Estimated closing date

Financial History

  • Bankruptcies
  • Collections
  • Foreclosures
  • Delinquencies

Other documents

  • VA Certificate of Eligibility (COE)
  • Loan Estimate
  • Closing Disclosure
  • Settlement Statement
  • 1003 or Loan application
  • IRS Transcripts

Why Kensium:

  • Cost efficiency – lesser cost when compared to the cost of paying salary, overtime, office space, computers, training in-house
  • Quick turnaround time – Kensium BPO has the flexibility of working 24*7*365 days (associates in two different geographical locations) which helps the clients to get their Processed documents the very next day (by operating US night hours)
  • High quality standards – Kensium BPO have highly trained industry experts in Mortgage industry and follows Six Sigma process to keep their quality standards high.
  • Capacity and Scalability – Kensium BPO can ramp up or ramp down whenever needed without investing client’s money
  • Customer Support – Kensium BPO has a dedicated customer support team which co-ordinates between the clients and their Mortgage associates which helps in sorting out any issues or providing status updates as and when expected by the clients.

Process flow of Kensium Processing Services:


Get a FREE Quote