Our Specialties:

Interested? Read below for more information!


  • Assists mortgage servicers with choosing the best loss mitigation option

  • Performs all calculations based on the most current loss mitigation guidelines 

  • Is a real-time loss mitigation analysis tool

  • Can be used to review past loss mitigation options for situations pertaining to servicing audits, servicing transfers of loans in a default status, and due diligence exercises

WaterfallCalc.com follows the Loss Mitigation Waterfall guidelines for:

  • FHA

  • VA

  • Rural Housing

  • GSE Flex Mods

 The software is exceedingly flexible, allowing for individual clients to customize features to meet the specific needs of their systems and customers.

WaterfallCalc.com allows the user to consider borrower contributions to the delinquency, prior to actually applying the funds to the account – this is especially useful during mediation hearings or when determining whether a foreclosure should be postponed. The system further offers management overrides for certain key underwriting requirements when variances are granted.

WaterfallCalc.com is extremely intuitive, allowing the user to:

  • Click on an information link within the calculator to clearly understand what is needed for each field.

    •  Drastically reducing staff training time.

  •  Accept imported loan data

    • Ensuring the accuracy of data entered

    • Reducing the time necessary to process a review

    • The typical processing time is under 10 minutes if being manually inputted

      • Using the import feature reduces the processing time by half

When WaterfallCalc.com has completed its analysis and calculations, it produces three reports.

The first report:

  • Walks through the entire waterfall of home-retention options,

    • Summarizes why each option either passed or failed.

      • Satisfies agency requirement to document that each loss mitigation option was considered in order, and why it was or was not used.

The second report

  • Is a highly detailed summary of the option that passed

  • Including the calculations used to produce the positive result.

The Third report varies depending on the type of loan you are entering. 


All reports are produced in PDF format that can be emailed to anyone the user prefers, and can be imaged or attached to the loan level file as evidence of agency-required compliance measures.

Lets set up a meeting to discuss what we can do for you!


Loss Mitigation Decisioning