Offshore Mortgage Operations
Loan Administration Mortgage Teams Built in India
Add trained loan admin capacity for processing, closing, post-closing QC and servicing. You direct the work. We run the India infrastructure.
- 40-60% loaded-cost cut vs domestic mortgage capacity
- Start in 4-8 weeks with no India entity needed
- 24/7 follow-the-sun files on your LOS and SOPs
ISO 27001:2022 certified. India delivery in Bangalore, Hyderabad, Pune and Chennai.
Prefer to talk? Call +1 469-579-1968
Talk to a mortgage operations lead
Tell us your loan admin volumes and we will map the right team and engagement model.
Why lenders run loan administration with OwnGCC
Lower cost per loan
Offshore loan admin capacity from India delivers 40-60% loaded-cost reduction versus domestic staffing.
Your team, your rules
Staff work on your SOPs, your LOS and your priorities. No vendor black box, no locked-in terms.
Faster file movement
24/7 follow-the-sun staffing is available, so files keep moving while your US office is closed.
Security and audit ready
ISO 27001:2022 certified with SOC governance and documentation support for RESPA, TILA, HMDA and TRID.
Deep mortgage bench
15+ years of hands-on mortgage experience, with services delivered to 100+ mortgage lenders.
Scale up or down
Flex capacity for volume spikes without fixed domestic overhead or long hiring cycles.
What loan administration covers
Loan administration touches every stage of the file. We staff and manage India-based teams that handle the document-heavy, rules-driven work so your US staff can focus on borrowers, credit calls and sales.
Teams work inside your systems, including Encompass, LendingPad, MeridianLink, Black Knight, MSP and ICE Mortgage. You keep work direction and outcomes. We own talent, HR, payroll, IT and compliance.
- Application intake, stacking and 1003 review
- Income, asset and employment verification (VOE, VOI, VOA)
- Credit pulls, AUS submissions (DU / LP) and appraisal review
- Title coordination, conditions clearing and CD prep support
- Closing coordination and post-closing audits
- Pre-funding QC, post-closing QC and investor QC for Fannie, Freddie and Ginnie
- Servicing admin: payment posting, escrow analysis, tax and insurance tracking
- Default support: loss mitigation, foreclosure and bankruptcy coordination, investor reporting
How it works after you submit
Discovery call
We review your loan admin volumes, systems, SOPs and where your bottlenecks sit today.
Team and model design
You get a proposed role mix and engagement model: Virtual Staffing, Managed Teams, BOT or full GCC.
Build and run
We hire, train and govern the India team on your SOPs, with SLAs, MIS reporting and security controls.
Frequently asked questions
How is pricing set for loan administration teams?
Pricing is engagement-based. Virtual Staffing is a subscription per FTE, Managed Teams is fully loaded per FTE, and BOT uses a phased setup fee plus per-FTE operating fee and a transfer milestone. A scoping call sets your exact number.
Do I need an India legal entity?
No. Virtual Staffing and Managed Teams run from our existing India infrastructure with no entity required. If you later want to own the captive, BOT transfers the entity, team and infrastructure to you.
How fast can a team start?
Virtual Staffing starts in 4-8 weeks. Larger Managed Teams pods of 10-100+ FTEs and full GCC builds follow a phased plan set during scoping.
Will the team use our loan origination system?
Yes. Teams work in your systems, including Encompass, LendingPad, MeridianLink, Black Knight, MSP and ICE Mortgage, following your SOPs.
How do you handle data security and compliance?
OwnGCC is ISO 27001:2022 certified with SOC governance. Teams support RESPA, TILA, HMDA, TRID and ECOA documentation under your control.
Can you cover servicing and default work too?
Yes. Offshore servicing scope includes payment posting, escrow analysis, collections support, loss mitigation, SCRA compliance, foreclosure and bankruptcy support, plus Fannie, Freddie and Ginnie investor reporting.
Ready to lower your cost per loan?
Send us your loan administration volumes and current bottlenecks. We will come back with a team plan and pricing built for your pipeline.
- 40-60% loaded-cost cut vs domestic mortgage capacity
- Start in 4-8 weeks with no India entity needed
- 24/7 follow-the-sun files on your LOS and SOPs
Prefer to talk? Call +1 469-579-1968