At Moltiply, we know that offering a mortgage is more than just a business transaction; it involves a thorough knowledge of the bank's credit policies to tailor mortgage requests that satisfy both the bank and the borrower. Our specialized remote sales force supports borrowers and the complex mortgage origination process, making sure that all required documentation for underwriting is carefully collected.

Designed for both direct banks aiming to bypass traditional branches (or just giving customers and alternative channel) and conventional banks seeking to empower their non-specialized sales networks (like financial advisors and insurance agents), our service enables these professionals to offer mortgages confidently. Our sales force can also act as an extension to branches, efficiently pre-qualifying leads from online platforms, ensuring branches focus on high-potential prospects.

Critical to our service's success is its regulatory compliance, facilitated through a dedicated regulated legal entity staffed with trained professionals.

A mortgage loan lasts a long time, often many years, and has many events that need careful attention. Our servicing support extends beyond mere payment processing. We handle a wide array of post-sale services that are integral to the dynamic life of a mortgage loan. This includes managing changes in mortgage conditions (such as debt transfers, discharges, and lien releases), cancellations or denials, early settlements, refinancing, moratoriums, suspension of amortization plans, and adjustments in borrowers' personal information. Additionally, we facilitate bank transfers and reconciliations, as well as lien renewals, ensuring that every aspect of loan servicing is covered comprehensively.

Our focus predominantly lies on performing loans, where our goal is to prevent issues before they arise through diligent management and oversight. However, we are also well-prepared to support situations where loans become non-performing. In such cases, our approach shifts to include specialized strategies aimed at mitigating losses and exploring viable paths to loan recovery, always working closely with clients to find solutions that align with their circumstances and financial goals.

MELO, a re-engineered evolution of Moltiply's CEI/XTRANET, is a groundbreaking step into the realm of Software as a Service (SaaS) solutions, embodying decades of operational and technological prowess. With its cloud-ready architecture and the use of cutting-edge technologies, MELO is designed to operate both within and beyond Moltiply's traditional outsourcing framework, offering unparalleled flexibility to banks.

As a standalone platform, MELO enables financial institutions to adopt a cutting-edge tool for mortgage origination and management without the necessity of engaging in full-scale outsourcing services. This innovation is particularly suited for banks in the process of modernizing their core systems towards more open, digital, and flexible infrastructures, providing them with a key resource for navigating the digital transformation landscape. Melo convers the whole process, from distribution to disbursement.

MELO's integration capabilities make it an ideal addition to the digital banking ecosystem, facilitating seamless transitions and enhancing operational efficiencies. Its introduction marks Moltiply's commitment to supporting banks through their digital evolution, offering a sophisticated yet user-friendly platform tailored for the future of banking.

It’s the one stop shop for a smart full digital onboarding, from remote identification to information management. IDOS allows users to enjoy the advantages of remote channels without compromising the security: a tailored offering can be created in seconds, ready to be signed with a digital signature. The user has access to his personal dashboard to complete as well as to track any application along the process.