Smart Technology Built for Loss Mitigation

Accurate calculations, borrower self-service, and documented compliance in one integrated solution—without the limitations of legacy systems.

Outputs You Can Defend

A dedicated loss mitigation calculation engine, not a module inside a larger system.

WaterfallCalc evaluates every eligible loss mitigation option across FHA, VA, GSE, and USDA guidelines in a single structured workflow. Outputs are consistent, documented, and ready for investor or regulatory review.

Integrates with Fannie Mae SMDU and Freddie Mac Resolve

Supports first and second liens, HELOCs, and consumer loans

Handles approved insurer variances within the system

Document generation through integrated partners for end-to-end execution

Generates FHA claims in minutes, ready for direct upload to FHA Catalyst

Built-in reporting for file status, outcomes, and audit tracking

Accurate Results in Four Steps

Enter loan and borrower details.

WaterfallCalc applies current agency and investor guidelines across every eligible loss mitigation option.

Handle approved variances within the system where guidelines allow.

Receive consistent, documented outputs ready for review, decision-making, and audit.

A Better Way to Work with Borrowers

WaterfallCalc+ gives borrowers a self-service way to apply, upload, and track their file on their own time.

When borrowers can engage on their terms, files move faster. WaterfallCalc+ reduces the friction that stalls loss mitigation applications and creates a documented communication record on every interaction.

Fully branded with your logo and colors
Loan-type templates for FHA, VA, USDA, Fannie Mae, and Freddie Mac
Built-in meeting scheduler so borrowers book within your availability
Real-time status tracking that cuts inbound calls
Every interaction automatically documented and timestamped

WaterfallCalc+ is the only borrower portal connected directly to DLS Servicing. When a file needs expert review, you can route it with one click. No additional vendor. No added headcount.

Every Borrower Option in Plain Language

The Truth in Loss Mit Report shows borrowers what they qualify for so they can make an informed decision.

Borrowers disengage when they don’t understand their options. The TILM Report presents every qualifying loss mitigation option side by side with plain-language explanations of what each means for their payment and situation.

Improves borrower engagement at the moment options are presented

Supports compliance documentation for option presentation requirements

Fits the Way You Already Work

Connect your systems without disrupting your process.

WaterfallCalc integrates with Fannie Mae SMDU and Freddie Mac Resolve for direct trial payment reporting, loan restructuring, and case management.

Document generation partners are built in, so you move from calculation to execution without switching systems—including Remote Online Notary (RON) capabilities through NotaryCam, where available.

Security and communication protocols are configurable to match your environment.

Support From the People Who Know the Work

Onboarding, training, and ongoing support from DLS Servicing’s default specialists.

You get U.S.-based support from a team with more than 30 years of hands-on default servicing experience. When questions come up, you’re talking to someone who understands loss mitigation, not just the software.

Find Out What Solution Works for You

WaterfallCalc’s solutions aren’t one-size-fits-all. You can utilize one or all of our solutions, depending on your workflow.