eMASON Technology provides a one-stop process management solution for the financial services industry. To obtain more information on specific workout types and financial solutions offered, please visit the following links:

HAMP is Complicated…the Clarifire application makes it easy!

Keep Pace with the Changing Mod

Manage Mortgage Insurance Processes with the Clarifire Application

Remove the Guess Work from Decisioning

Manage All Contacts

Commercial Real Estate

Pre-Foreclosure Sales

Senior Lien Monitoring (SLM)

Home Equity Line of Credit (HELOC)

Case Management

Compliance Audits

Proven results to Fannie Mae Servicers using the Clarifire application include:

	Immediate Responses – servicers receive answers on non delegated loans from Fannie Mae in less than a few minutes versus more than 10 days!
	Quality Assurance – the messaging feature in the Clarifire application validates submitted data and loan information resulting in 60% more delegated submissions!
	Expedite Processing – the Clarifire application decisioned 7,600 HAMP workouts (from a bulk import of 13,000 loans) in less than one hour, resulting in receipt of more than 1,000 payments in less than one week!
	Decrease Cycle Times – in less than 3 weeks, the Clarifire application decisioned 28,000 cases from a servicers backlog and sent 15,000 HAMP letters to borrowers. The servicer indicated it would have taken them 3 months to generate that number of decisions!
	Financial Reward – an executive at a large servicer indicated the calculator functionality within the Clarifire application has saved him $1.5 million!

How does the Clarifire application benefit Servicers? eMASON’s Clarifire application features a financial calculator as well as a loss mitigation workout rules engine certified by Fannie Mae - this includes Home Saver Advance (HSA), Home Affordable Modification Program (HAMP), Preforeclosure Sales (short sales), and standard loan modifications.

Some of the immediate benefits of using the Clarifire application for all of your loan workout types are:

	Reduce the cost of doing business – business users can create new processes without incurring additional IT costs; realize decreased cycle times and resource costs with increased automation via the Clarifire application
	The Clarifire application provides an element of flexibility which allows you to outpace ever changing market conditions
	Expedite Processing – using the automated upload feature on the Clarifire application eliminates human error, reduces backlog, and increases your capacity resulting in the efficient processing of large volumes of loans in a short period of time
	Automated Decisioning – based upon certified Fannie Mae workout rules, the Clarifire application validates, qualifies, and determines loan delegation in minutes
	Automated Document Assembly – all workout type documentation is available and can be automatically generated in the Clarifire application
	Procedural Efficiencies – the Clarifire application has a “notes” and an “image” feature, eliminating the need for additional means of communication (email) or document storage. All necessary credentials can be uploaded to the Clarifire application
	The Clarifire application provides an element of flexibility which allows you to outpace ever changing market conditions

Fannie Mae has adopted the Clarifire application to manage their internal processes, including submissions and approvals, which streamlined their workflow and reduced workout times. The Clarifire application features a direct connection to Fannie Mae, eliminating the need to update through HSSN.

Currently more than 20,000 users employ the Clarifire application to automate their workflow; for Loss Mitigation upwards of 110 attorney firms and 24 mega-servicers in the Fannie Mae network use the Clarifire application.