Mortgage processing outsourcing in the Philippines gives brokers and lenders a dedicated team for file preparation, document chasing and lender submissions, so you can write more loans.
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Everything administrative: document collection, file assembly, data entry into the CRM and lender platform, serviceability inputs, lodgement, condition tracking and post-settlement follow-up. Anything that amounts to credit assistance or advice, including the recommendation itself, stays with your licensed broker or loan officer.
ProVizion provides mortgage processing outsourcing teams in the Philippines to brokers and lenders in Australia and the United States who are losing evenings to file preparation and document follow-up. Keller Williams, Symmetry Financial Group and Acrisure have relied on ProVizion staff for lending-adjacent and financial administration, and our processors bring that discipline to loan files.
Your offshore loan processor works inside your broker CRM, whether that is Salestrekker or Infynity in Australia or Encompass and Arive in the US, so file notes, conditions and lender correspondence live where your brokers and compliance team can see them. You keep every credit decision and every piece of advice onshore. We handle the preparation, chasing and lodgement that surrounds it. A single processor can start within a couple of days, and a processing pod for a growing brokerage or non-bank lender is built out in stages with a ProVizion team leader if you prefer not to manage it yourself.
A broker's day is interrupted constantly by files that are nearly ready. ProVizion processors take a new application from the fact find or 1003 stage and assemble the pack: identification, payslips or bank statements, tax returns for self-employed applicants, liability statements and any lender-specific forms. They check that the documents match what was declared, flag gaps early and prepare the file so the broker only needs to review and sign off.
For Australian brokers this includes populating the lender's application through ApplyOnline or the aggregator platform and attaching supporting documents in the order the assessor expects. For US teams it means keeping the Encompass file complete, with disclosures tracked and conditions listed before the loan officer submits to underwriting.
"Their leadership is knowledgeable, authentic and has exceeded our expectations. As a firm, we have expanded our engagement."
The slowest part of most files is waiting on the customer. A ProVizion processor owns the outstanding items list. They send reminders, answer routine questions about what a lender will and will not accept, coordinate with accountants for financials and with solicitors or title companies for settlement paperwork. Every chase is logged in the CRM task queue so the broker sees status without asking.
Because Manila's day shift lines up with Australian business hours and the night shift with US hours, customers hear back the same working day. Brokers often tell us the biggest change is that their inbox stops being the bottleneck.
Processors support serviceability by preparing the inputs: income calculations, living expense verification against statements, existing debt schedules and the lender calculator run in draft for the broker to confirm. In the US, the equivalent is DTI worksheets, income calculation forms and asset verification prepared for the loan officer. The judgement about whether the loan is suitable, and the decision to submit, remain with your licensed person.
Teams that also need general administration can extend the same pod with offshore admin staff for diary management, marketing lists and client reviews.
"So glad that we have the opportunity to work with the team in Manila. Very professional, amazing service. I can't say enough!"
Settlement is not the end of the file. Processors confirm loan documents were returned correctly, chase discharge authorities on refinances, check that offset accounts and redraw are set up as promised, and prepare the settlement confirmation the broker sends to the client. They then set up the review calendar, so fixed-rate expiries, interest-only periods ending and annual loan reviews come back to the broker at the right time rather than when a competitor calls the client first.
Brokerages with a rent roll or a property arm often pair this with our real estate support teams, since the same customer data and follow-up rhythm applies.
ASIC obligations under the best interests duty in Australia, and state licensing plus TRID timelines in the US, mean the line between processing and advice must be visible. We build the workflow so that ProVizion staff prepare, verify and lodge, while recommendation, credit assessment and customer advice are completed and recorded by your licensed broker or loan officer. File notes make clear who did what.
Access is role-based, with activity logging and NDAs, and staff pass background checks before starting. Loan files stay in your CRM and lender portals rather than being copied elsewhere. Where a lender requires additional controls, engagements can be structured to meet those requirements. Our financial services outsourcing teams operate under the same principles for lenders and fund managers.
Rate movements, end of financial year and spring selling season in Australia, and the refinance waves that follow rate cuts in the US, all arrive without warning. A brokerage with two onshore support staff cannot flex. A ProVizion pod can add seats within days when applications spike, and the team leader reshuffles queues so that files closest to approval clear first. Contract terms typically run three to twelve months, which lets a broker plan capacity around the year rather than hiring and letting go with each cycle. Many of our mortgage clients start with one processor and grow the team as their loan book does, and our back office outsourcing service covers the reconciliations and commission tracking that grow alongside it.
Everything administrative: document collection, file assembly, data entry into the CRM and lender platform, serviceability inputs, lodgement, condition tracking and post-settlement follow-up. Anything that amounts to credit assistance or advice, including the recommendation itself, stays with your licensed broker or loan officer.
Salestrekker, Infynity, Mercury and ApplyOnline on the Australian side, and Encompass, Arive and a range of point-of-sale and product comparison tools on the US side. Staff train on your specific configuration before taking live files, and they work inside your logins rather than a separate system.
Through your email domain, your CRM tasks and, if you choose, a phone line branded to your business. Templates and tone are agreed at onboarding so the client experiences one consistent brokerage, and every contact is recorded on the file for your compliance review.
Yes, though we typically build separate pods because the platforms, lender rules and time zones differ. Australian files are worked on the Manila day shift and US files on the night shift, each with staff trained on the relevant regulatory context.
Individual processors can usually be added within 48 hours from our talent network of more than 10,000 professionals. For a planned expansion, such as a new lender panel or an acquisition, we recruit and train ahead of the date so the team is ready when applications land.
Two ways to start. Book a short call, or request a proposal and we'll come back with a recommended team structure.