Title-Trained Only
Our operational teams train exclusively in U.S. title laws, ALTA standards, and TRID compliance. We employ zero generalists.
- State-specific recording & indexing expertise
- Continuous ALTA & underwriter guideline training
ENTERPRISE MORTGAGE SOLUTIONS
Precision mortgage operations
Precision mortgage operations
for lenders, title companies, and servicers across the U.S.
We handle the work — title and settlement, origination, loan servicing — so your team can focus on revenue. Domain-trained specialists. AI that orders, tracks, and follows up autonomously. Every file reviewed before delivery.
99.6%
Title Commitment Accuracy
Native integrations across your title & mortgage technology stack
SoftPro
ResWare
Qualia
RamQuest
Simplifile
Black Knight MSP
LoanSphere
Encompass
Calyx
SoftPro
ResWare
Qualia
RamQuest
Simplifile
Black Knight MSP
LoanSphere
Encompass
Calyx
COHIVRA ADVANTAGE
Purpose-built for US mortgage.
Purpose-built for US mortgage.
Not adapted for it.
Enterprise-grade operations with the domain depth, platform fluency, and U.S. oversight your title pipeline demands — without the overhead of a generic back-office vendor.
Plug-In Ready
We work natively inside SoftPro, ResWare, Qualia, RamQuest, and Simplifile. We hook directly into your platforms without disruption.
- Zero workflow retraining for your domestic team
- Same-day onboarding into your existing TPS stack
U.S. QC Oversight
Every file is audited by a qualified Quality Control lead prior to delivery. Active escalations are handled in real-time during U.S. business hours.
- Double-key verification on every commitment
- Direct escalation during U.S. business hours
SOC 2
Aligned Security Practices
ALTA
Standards-Compliant Output
24/7
Follow-the-Sun Operations
60–70%
Typical Cost Reduction
Ready to reduce operational costs and close more files?
No long-term commitments required. Experience the Cohivra precision with a free 5-file pilot.
OUR SOLUTIONS
Precision mortgage operations across the full loan lifecycle.
One partner. Every stage. Origination through post-close.
ORIGINATION
Origination
Loan setup, conditions clearing, CD preparation, TRID audit, and closing package assembly. Your LOs originate. We handle the rest.
- Loan Setup & Registration
- Processing & Conditions Clearing
- Underwriting Support
- Closing & Funding QC
- Post-Closing
SERVICING
Loan Servicing
Payment processing, escrow analysis, loss mitigation, default management, and investor reporting — inside your existing MSP, Black Knight, or LoanSphere environment.
- Loan Administration & Boarding
- Loss Mitigation
- Default & Foreclosure Support
- Investor Reporting
- Compliance QC
TITLE & SETTLEMENT
Title & Settlement
Search, examination, curative, closing, policy production, and eRecording — all 8 stages, all to ALTA standard, operating natively in your TPS.
- Title Search Support & Tax Report
- Title Examination & Curative
- Commitment Preparation
- Recording & Policy Production
- Post-Closing
TITLE & SETTLEMENT
Title Search
Chain of title back 40–60 years.
100K+
Searches Delivered Annually
What We Deliver
Cohivra Advantage
Supported Systems & Software
SoftPro
ResWare
Qualia
RamQuest
Simplifile
Enterprise Scale Security & Support
Every transaction is fully backed by our SOC 2 Type 2-aligned operational security safeguards and double-key verification.
Ready to scale your operations?
LOAN FULFILLMENT SYSTEMS
Faster pipelines. Cleaner files. More closings.
Cohivra's loan origination support teams handle heavy back-office files so your Loan Officers and processors can focus entirely on customer relationships and revenue generation.
150K+ Loans Processed
48h Turnaround
60-70% Labor Reduction
What We Handle
Our mortgage specialists step in at any point in the loan origination cycle, ensuring maximum file accuracy.
- Loan Setup & Processing — 1003 review, document indexing, VOA/VOI & 48h setup SLA →
- Underwriting Support — Comprehensive conditions clearing, appraisal & flood tracking →
- Closing & Funding QC — CD fee reconciliations, closing package prep & TRID audit →
- Post Closing — Post-close file review, compliance sweeps & trailing docs management →
- Mortgage Servicing Rights — MSR portfolio administration & loan boarding setup →
Who This Is For
Independent Mortgage Brokers
Scale processing volumes on-demand during hot markets without adding fixed operational payroll overhead.
Wholesale Lenders
Maintain consistent SLA speeds and cleaner loan pipelines across highly distributed loan origination streams.
Correspondent Lenders
Deliver meticulously indexed, highly audited, investor-ready loan packages that pass purchase tests instantly.
BACK-OFFICE SCALABILITY
Servicing operations at scale — without the overhead.
Extend your servicing efficiency. Cohivra provides specialized support for mortgage servicers, sub-servicers, and asset managers seeking to control costs while maintaining flawless compliance.
What We Handle
Complete administrative and operational servicing assistance to maintain loan health across high-volume portfolios.
- Payment Processing — Daily cashiering, escrow analysis & tax/insurance disbursements →
- Loss Mitigation — Loan workout packaging, borrower document intake & CFPB compliance →
- Default Management — Foreclosure timeline monitoring, delinquency tracking & legal notices →
- Investor Reporting — Monthly GSE remittance balancing, Fannie/Freddie reporting & ledger QC →
Why Servicers Choose Cohivra
Compliance-First Mindset
All core servicing teams are meticulously trained on RESPA guidelines, CFPB directives, and GSE default standards.
Native Platform Capabilities
We work smoothly in your existing systems: MSP, Black Knight, LoanSphere, and Fiserv environments.
Elastic Portfolio Scaling
Easily scale support capabilities from 500 to 50,000 active loans in a matter of weeks with no structural friction.
Double-Key QC Safeguard
A rigorous dedicated Quality Control layer audits every single client-facing ledger before it is dispatched.
U.S. TITLE & SETTLEMENT PIPELINE
Precision title operations. ALTA-standard output.
Cohivra handles the full title and settlement pipeline for lenders, title companies, and settlement agents across the US — delivering 99.6% commitment accuracy at 60–70% lower operational cost.
99.6% Commitment Accuracy
24-48h Turnaround
60-70% Cost Reduction
What We Handle
End-to-end title and settlement execution operating natively inside your title processing software.
- Title Search Support — Full 60-year chain of title, owner searches & lien sweeps →
- Tax Report — Municipal tax certificates, tax proration & penalty prevention →
- Title Examination — Abstract review, legal description checks & underwriter risk audit →
- Title Curative — Lien releases, payoff tracking & title defect clearance →
- Commitment Preparation — Schedules A/B drafting & underwriter-compliant output →
- Recording Support — Electronic county eRecording via Simplifile & fee calculations →
- Policy Production — Final Owner & Lender policy issuance with underwriter jacket filing →
- Post-Closing — Post-closing audits, trailing document management & package uploads →
Why Title Companies Choose Cohivra
Title Agencies & Underwriters
Clear title backlogs fast with zero-error commitment preparation and ALTA-standard quality control.
Settlement & Escrow Agents
Eliminate fee mismatches and CD delays with dedicated pre-closing and post-closing audit teams.
National Lenders & Servicers
Seamless nationwide title search, tax report, and recording support across all US jurisdictions.
IN
ACTIVE DEVELOPMENT
Something big is coming
Something big is coming
for mortgage operations.
We are building a product that will change how title companies and lenders handle their operational pipeline. No more chasing, no more manual follow-ups, no more dropped files.
We will share more soon.
OUR COMPANY
Built for mortgage. Not adapted for it.
Cohivra is a U.S. mortgage operations company. We handle title and settlement, origination, and servicing for lenders, title companies, and servicers who need the work done — accurately, on time, without the overhead of building an in-house team.
Our Story
We came from inside the mortgage cycle. That matters more than it sounds.
Most vendors handle mortgage alongside a dozen other industries. Their teams learn from manuals and process guides. When volume spikes or a file gets complicated, the gaps show up fast.
Cohivra was built differently. Our training covers U.S. title law, ALTA standards, TRID requirements, and state-specific recording rules — across all 50 states, not just the high-volume ones. We added AI to handle the ordering, tracking, and follow-up work that burns through processor time. The people handle the judgment. The AI handles the volume. Every file gets a QC review before it leaves our team.
That's how we've maintained 99.6% title commitment accuracy across 800,000+ files.
LEADERSHIP
Sam Verma
Founder & CEO
Sam has spent over two decades in U.S. mortgage operations, across origination, default management, and title agency work. She is based in Austin, Texas.
She started Cohivra because she kept working with vendors who could handle volume but not complexity — and operators who understood the complexity but couldn't scale. Cohivra was built to do both.
THE DIFFERENTIATORS
Purpose-built for US mortgage.
Purpose-built for US mortgage.
Not adapted for it.
There are dozens of operations companies. Very few of them actually know US title and mortgage. We built Cohivra to be the one that does.
01
Title-Trained Specialists
Our teams train exclusively in U.S. title law, ALTA standards, TRID compliance, and state-specific recording rules. No generalist general labor.
02
Enterprise-Grade Security
SOC 2 Type 2-aligned practices, AES-256 data encryption, dynamic role-based access control, and complete zero-retention data policies.
03
Plug-In Integration
We work natively inside your SoftPro, ResWare, Qualia, RamQuest, or Simplifile systems. Zero workflow disruption or retraining required.
04
U.S.-Based QC Oversight
Every single transaction is audited by a qualified QC Lead. Direct escalation channels are open during all standard U.S. business hours.
05
Elastic Scalability
Scale operational resources up or down rapidly inside 5 business days. Select flexible transaction per-file pricing or retainers.
06
ALTA & Underwriter Compliant
Strictly aligned to standards set by Fidelity, First American, Old Republic, Stewart, and WFG. Audit-ready, every day.
INTERACTIVE SAVINGS ESTIMATOR
Calculate Your Outsource Savings
Discover the economic advantage of outsourcing your mortgage processing, title, or servicing back-office operations to Cohivra. Drag the sliders below to estimate your annual cost reduction.
Cohivra Outsource Cost
$250/file flat
Estimated Monthly Savings
$100,000
Estimated Annual Savings
$1,200,000
Cost Comparison (Per 100 Files)
*Calculations assume standard processing rates. Subject to service mix and actual file complexity. Request a custom operations audit →
B2B KNOWLEDGE HUB & GUIDES
Mortgage & Title Operations Resources
Authoritative guides, regulatory compliance checklists, and operational frameworks for U.S. mortgage lenders, title agencies, and loan servicers.
TITLE & SETTLEMENT
What is Title Curative? Resolving Title Defects in U.S. Real Estate
A comprehensive operational guide on identifying unreleased mortgages, heirship breaks, tax liens, and boundary disputes before closing.
Read Full Guide →
MORTGAGE ORIGINATION
TRID Compliance Checklist: Key Milestones for Loan Origination & Closing
Operational framework covering LE and CD 3-day timing rules, 10% tolerance thresholds, post-closing cures, and CFPB audit readiness.
Read Full Guide →
TITLE & SETTLEMENT
Understanding 60-Year Chain of Title: Search Requirements & Lien Sweeps
Deep-dive into grantor-grantee indexing, full vs. two-owner title searches, municipal tax lien sweeps, and title break detection.
Read Full Guide →
LOAN SERVICING
MSR Transfers & Servicing Compliance: Operational Checklist for Servicers
Standard Operating Procedures for RESPA Goodbye/Hello notification periods, escrow reconciliation, and Fannie/Freddie investor reporting.
Read Full Guide →
TITLE & SETTLEMENT
Article Title
GET IN TOUCH
Let's talk about your operations.
Whether you want to launch a free pilot, obtain exact pricing models, or understand system setups—we are happy to consult.
Our Operational Hours
Direct support across U.S. timezones. Contact our teams in Austin or New York.
Austin (Central)
00:00:00 AM
HQ Open
New York (Eastern)
00:00:00 AM
Ops Hub Open
Direct Channels
General Operations
Corporate LinkedIn
Active Operations Hours
Monday - Friday: 24 Hours Follow-the-Sun