Outsourcing enables you to instantly re-size your organization in lean times or extend it with experienced resources when volume increases. With the right provider, you can easily configure a lending platform to meet new loan processing requirements, increasing your capacity to meet growing demand.

Economic cycles in real estate and mortgage finance are a fact of life. What we learned after the 2007 mortgage collapse is that market shifts can occur at unbelievable speed. Your ability to quickly scale your business to optimum levels in response to market conditions affects not only your financial performance but your competitive standing.

Gain flexibility
Quatrro Mortgage Solutions provides the human and technology resources to give you flexibility under all market conditions. Draw upon skilled on-shore and off-shore processing resources. Leverage a proprietary pricing, matching, processing and closing platform that easily adapts to support your loan processes. We provide the infrastructure and the technical platform, shifting your operation to a variable cost business model. You can focus on your customers and on growing your business. It's a path that leads to enduring success in a changing market.

How much more business could you secure if the time it took to process a loan was not an issue? While it might seem that everyone in your organization is working at maximum capacity, it might also appear that you're standing still. If so, it's time to break the mold and re-invent the process.

It's an axiom: faster loan processing is always more efficient and more customer-friendly because consumers place a premium on time. Providing a service that is responsive is good business and likely to be rewarded with customer loyalty. At the same time, the faster you process a loan, the lower your cost of goods sold.

Improve speed and reliability
Quatrro applies a four-step formula for faster processing: 1) Document in detail the way you process your loans, 2) Have a team of experts evaluate your current process and recommend ways to improve workflow, 3) Re-map the entire process into a more efficient design and 4) Implement by aligning your resources with Quatrro's, which include on-shore and off-shore processing facilities and scalable, Web-based loan processing technology. We can supply resources from around the world to around the corner, connected by our Web-enabled systems, to significantly improve speed and reliability.

You can reinvent your entire loan process today and scale it to support any number of production scenarios. The key is to call on the right outsourcing partner: a company with people, processes and technology in place to help you define the optimum structure.

Efficiency will likely decline when processors stray from guidelines. On the other hand, a company can lose agility if processing and information technology are not flexible enough to handle new products and procedures. You end up throwing more people into the mix and, well, things slow down and cost more.

Leverage the best of your resources, and ours
We start by understanding what you want to achieve in loan production. We look at your processing guidelines and existing technology infrastructure. We identify opportunities to reduce cycle time and eliminate wasteful steps. We then map a new process that combines the best of your people, operations and technology with ours, and document guidelines to achieve peak efficiency. For "best execution," we support your resources at our on-shore and off-shore processing centers using our flexible technology platform, which is capable of pricing, matching, submitting, processing and closing loans. The result: lower cost, better management and visibility and faster time-to-market with new ideas.

What if you could be among the first companies to feature a new loan program and support it with reliable underwriting, processing and closing services, demonstrating enterprise-level expertise? Fast time-to-market is a requirement in today's lending environment where new loan programs are introduced every day and guidelines change by the hour. High performing companies have the capacity to design, launch and support a growing array of loan programs while complying with rapidly changing business rules.

Make room for new ideas
Choosing Quatrro Mortgage Solutions is your first step to becoming a market innovator. Our resources include on-shore and off-shore loan processing centers staffed with trained specialists supported by end-to-end processing technology that adapts to your business. And we have an experienced development team ready to add new loan programs, processing capability and capacity.

The result: faster, more efficient loan processing and new-found flexibility that leads the market.

Imagine a loan processing platform that not only reduces cost but establishes you as best-of-breed in processing speed, efficiency and transparency.

Large companies can afford to invest in the latest technology and have in-house development staff at their beck and call. If you are a small to mid-sized lender, keeping up with the big guys can create a drag on earnings--and when all is said and done you've only kept pace.

Aim higher
Quatrro is all about enabling technology for your business and your customer. In addition to on-shore and off-shore loan processing centers, we maintain a Web-based imaging and database platform that can support your entire loan production process. It provides pricing and matching, forward locking and electronic loan submission, document imaging and indexing, leading to a paperless mortgage with real-time tracking along the way.

Want a new product or capability developed? We have experienced professionals on staff who can make them happen. You enjoy innovation on demand without having to maintain a high-cost IT infrastructure.

The good news is that technology exists today to process a loan and produce a paperless file for shipment to your lender or investor. Want even better news? Quatrro has it, along with the skilled labor resources to apply it to your advantage. The solution can be tailored to your business, which means you can outsource the entire process or just parts of it.

Paperless processing creates loan files that are always up-to-date and accurate. They appeal to investors because electronic files are easier to review. And they're environmentally friendly.

Store pixels, not paper
Quatrro technology can produce a paperless mortgage. It's part of an end-to-end loan processing solution that can be configured for real-time pricing and matching, electronic loan file submission, loan processing with instant tracking and closing and documentation packages that are Wall Street and lender-friendly.

Imagine having up-to-the-minute metrics on the number of loans in the pipeline and in process. They're accessible using a Web browser or PDA, with statistics on average time and cost to close a loan - at the individual employee level - trended over time.

Knowing exactly where things stand allows you to better control costs and offer superior service. It signals that day-to-day operations are under control. It enables you to focus on the exceptions - the loans that require management intervention to close and fund. It puts you in the enviable position of inventing ways to reduce processing time, lower cost and creating a more customer-friendly experience.

Gain visibility
How do you get there from here? Turn to Quatrro. We perform a detailed analysis of your "as is" loan process, optimizing it into a "could be" process for better results in less time and at lower cost. We employ on-shore and off-shore labor in processing centers connected by proprietary pricing, matching, submission and tracking technology that can produce a paperless loan. We also track how we perform against our promised service levels and share that data with you.

Finally, you have total visibility into your operations and the tools to raise performance to the next level.

What if you went to sleep at night knowing that every loan file was in perfect shape, ready for scrutiny by regulators, examiners and investors? It's not as far-fetched as it sounds.

When loan performance falters, examiners study loan files to look for the cause. Was the appraisal accurate? Were fees adequately disclosed to the borrower? Are there gaps in information about the borrower or the property? Incomplete or inaccurate files beg the question: how good are these loans?

Reduce compliance risk
We have the experience, the resources and the mortgage processing technology to ensure that every loan file we touch meets exacting standards. We begin with a loan process that has been fully mapped out, including checks and balances along the way.

Quatrro resources, working under your guidelines, verify and complete all necessary documents, such as HMDA disclosure forms, quickly and efficiently before loans are packaged for shipment to lenders or secondary market investors. We can do it because we have the people, the knowledge and the tools. And because we're always here for you when you need us.