Mortgage Servicers

Rate caps, foreclosure holds, and audit trails

Whether you service your own originations or portfolios for investors, Civrel handles interest rate caps, foreclosure holds, and default judgment affidavits for mortgage portfolios.

Mortgage compliance illustration

Applicable SCRA Protections

§3937
Interest Rate Cap
6% maximum on pre-service mortgages; 1-year post-service extension
§3953
Foreclosure Protection
Court approval required during service and 1 year after
§3931
Default Judgment Protection
Affidavit of military status required before default

Platform Features

  • DMDC verification (single and batch)
  • Portfolio screening for mortgage books
  • Mortgage-specific rate cap calculator
  • Foreclosure hold tracking
  • Eligibility determination with statutory citations
  • SLA tracking and deadline alerts
  • Document generation and tracking
  • Examiner-ready compliance reports
For Mortgage Servicers

See foreclosure hold tracking in action

Book a demo focused on rate caps, foreclosure stays, and the 1-year post-service extension.

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