Supporting the American real estate marketplace with title and mortgage processing, this client needed a partner to help with timely fulfillment. TDEC handles about 35,000 mortgage disclosure mailings and 18,000 tax request letters and checks for them annually.

In support of the company’s mortgage processing services, TDEC receives mortgage disclosure files daily. These legally required statements provide written documentation of the final mortgage loan terms and closing costs, as well as details about the loan term, monthly payments, fees, and other closing costs.

Using the daily manifest, TDEC prints the PDF disclosure files, stuffs them into envelopes, applies postage, and mails them via USPS. All disclosures are mailed within 72 hours of receipt, and TDEC quality control notifies the client of any missing files.

An additional process was added for tax certification requests. Like the disclosures, the tax certifications are received by TDEC daily and need to be mailed out within 24 hours. The PDFs are printed on live checks supplied by the client and mailed by TDEC to tax offices.

The tax certification process is different for each state and some require printed checks. These orders from the client are known as mail-away orders and include sending request letters and/or checks, scanning and sending check copies and any information received from tax authorities, and communicating any requests that are rejected or other abnormalities.

During the course of the work, TDEC flexibly adapted to new requests, including the need to use UPS for mailings and tracking, new check formatting, and requests exceeding the supplies TDEC had on hand.