Patent Overview
A Consent-Driven Mortgage Retention Workflow
U.S. Patent 8,660,939 describes an internet‑based system that captures borrower intent, matches the borrower to their current mortgage servicer, obtains explicit authorization, and routes the borrower into retention options such as modification, refinance, or home‑equity products with that servicer.
Key Claimed Elements
- Online capture of borrower data and refinance or equity interest.
- Identification of the current servicer via database linkage and credit‑report parsing when needed.
- Secured consent from the borrower before servicer notification.
- Automated notification and routing into servicer retention paths.
Strategic Fit
The workflow aligns naturally with modern servicing systems and consumer portals, and is designed to operate in environments where documented permissible purpose and consent are required for prescreened usage.
In an HPPA‑constrained world, this becomes an ideal blueprint for compliant, relationship‑centric engagement.