eMods from Encomia offers maximum flexibility and efficiency to both lenders and borrowers for the entire process of loan modification. Document presentation, management, and signing are all handled directly on the Web. This provides unparalleled convenience to borrowers and significant reductions in infrastructure and processing costs for lenders.

The software is intuitive to use, and works with your existing infrastructure. Encomia's eMods virtual printer converts almost any document to eSign-ready XML documents that are presented and processed on our eSign server. The borrower views and signs loan modification paperwork online from anywhere at any time. Making the loan modification process simple and convenient will lead to a higher percentage of successful loan modifications.

Benefits:

• Create efficiency – Eliminate printing, shipping and other costs associated with managing paper loan modification documents. Reduce your processing burden.
• Do more business – Streamlining the process for borrowers leads to a greater number of successful loan modifications. Let the convenience of a paper-free, Web based solution drive production.
• Ensure compliance – Document history makes it easy to prove compliance with federal and state disclosure regulations.
• Low up front costs – Pay only for the Mods you initiate with Encomia's per-transaction billing. Discounts are available for larger loan volumes.

• Converts any document format – Documents are converted into a web presentable, eSign capable XML document.
• Branding flexibility - You have the ability to completely brand and customize your customer facing components, using cascading style sheets.
• Zero footprint - Your borrowers and agents only need an internet enabled computer and web browser to access our software. No additional software is required!
• Flexible hosting options – Deploy our software onsite or in an ASP hosted environment.