The book of business, finally well-managed
From funding to payoff. Servicing, escrow, modifications, draws, arrears, foreclosure — under one chassis with golden-test-verified math.
End-to-end post-fund operations
Payments
Daily-rate / monthly-rate / per-diem accrual. Bi-weekly / weekly / monthly schedules. NSF auto-flag.
Escrow
Taxes, insurance, condo fees. Auto-disbursement on schedule. Per-jurisdiction tax authorities pre-mapped.
Modifications
Rate, term, amortization, principal write-off. Borrower e-sign. Audit trail of every change.
Prepayment / payoff
Five IRD methods compared side-by-side. Per-product breakage rules. Statement generator.
Construction draws
Cost-code structured. Inspector mobile portal. Province-specific lien holdback. PCA auto-generation.
Arrears + collections
Aging buckets. Dialer integration. Demand-letter generator. Foreclosure workflow.
Modifications + assumptions
Loan modifications, assumptions, transfers. Full audit + regulator-reportable.
Reg-reporting
FSRA AIR, FINTRAC LCTR / STR, ad-hoc audit packs. One-click regulator export.
Foreclosure
Province-specific timelines. Power-of-sale / judicial-sale workflows. Receiver collaboration.
50 golden tests. 50/50 passing.
- ✓ Per-diem accrual (365 vs 360)
- ✓ Monthly accrual (30/360 vs Actual)
- ✓ IRD method A — present value
- ✓ IRD method B — interest differential
- ✓ Banker's rounding (even)
- ✓ Escrow analysis aggregate ratio
- ✓ Prepayment penalty caps
- + 43 more tests
Stop reconciling spreadsheets at month-end
Mortgage360's LMS closes the month in hours, not weeks.