ENTERPRISE MORTGAGE SOLUTIONS

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
OUR CAPABILITIES

What We Handle

The complete title and settlement pipeline — one dedicated expert team.

ORIGINATION

Origination

Loan setup Processing Post-close
Explore Capabilities
SERVICING

Servicing

Boarding Loss mit. Default mgmt
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TITLE & SETTLEMENT

Title & Settlement

Search Curative eRecording
Explore Capabilities
Learn More →
COHIVRA ADVANTAGE

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.

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.

Learn more →
SERVICING

Loan Servicing

Payment processing, escrow analysis, loss mitigation, default management, and investor reporting — inside your existing MSP, Black Knight, or LoanSphere environment.

Learn more →
TITLE & SETTLEMENT

Title & Settlement

Search, examination, curative, closing, policy production, and eRecording — all 8 stages, all to ALTA standard, operating natively in your TPS.

Learn more →
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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.

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.

Ready to scale your origination bandwidth?

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.

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.

Scale your servicing capabilities. Not your payroll.

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.

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.

Ready to transform your title pipeline?

IN ACTIVE DEVELOPMENT

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.

No spam. Just one email when we launch.

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.

What We Stand For

Precision

Every file gets the same standard of review. No exceptions for busy periods, high volume, or tight deadlines.

Accountability

If a file doesn't meet your guidelines, we fix it — within hours, not days. No debate about whose problem it is.

Transparency

You know where your files are at every stage. We don't operate as a black box.

Specialisation

U.S. mortgage is all we do. That focus is the reason our accuracy rates hold up at scale.

Sam Verma, Founder & CEO of Cohivra
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.

sam@cohivra.com linkedin.com/in/samverma
THE DIFFERENTIATORS

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.

250 files
10 2,500
$650
$100 $1,500
Cohivra Outsource Cost $250/file flat
Estimated Monthly Savings $100,000
Estimated Annual Savings $1,200,000
Cost Comparison (Per 100 Files)
In-House Cost
$65,000
Cohivra Cost
$25,000

*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.

8 min read • Cohivra Operations
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.

10 min read • Cohivra Origination QC
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.

7 min read • Cohivra Research
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.

9 min read • Cohivra Servicing
Read Full Guide →
← Back to Knowledge Hub
LOAN SERVICING

MSR Transfers & Loan Servicing Compliance: Operational Checklist for Servicers

Published: Read Time: 9 min read Author: Cohivra Servicing & Investor Reporting Team

1. Mortgage Servicing Rights (MSR) Overview

When non-bank mortgage originators or institutional lenders sell Mortgage Servicing Rights (MSR) portfolios, operational compliance during portfolio transfer is paramount. Transitioning thousands of active loans between subservicers requires absolute data integrity across loan payment histories, escrow balances, tax impounds, and flood insurance policies.

Regulatory scrutiny from the CFPB and GSEs (Fannie Mae, Freddie Mac, Ginnie Mae) means servicers must execute MSR transfers with zero interruption to borrower billing or loss mitigation activities.

2. RESPA Notice of Transfer Rules (Goodbye/Hello Letters)

Under Regulation X (RESPA), transferring servicers and acquiring servicers must issue formal written notifications to borrowers:

  • Transferor (Goodbye Letter): Must be delivered to borrower at least 15 calendar days prior to the effective transfer date.
  • Transferee (Hello Letter): Must be delivered no later than 15 calendar days after the effective transfer date (or combined into a joint letter 15 days prior).
  • 60-Day Protection Window: Borrowers who mistakenly send payments to the prior servicer within 60 days of transfer cannot be charged late fees or reported as delinquent to credit bureaus.

3. Escrow Account & Payment History Reconciliation

Acquiring servicers must audit 100% of incoming portfolio files to reconcile escrow impounds, hazard insurance expiration dates, real estate tax installment schedules, and ARM interest rate adjustment schedules.

4. Fannie/Freddie/Ginnie Investor Reporting

Executing MSR transfers demands synchronized investor accounting to prevent reporting cut-off errors. Monthly principal and interest (P&I) remittance files (e.g., Fannie Mae Form 2010, Freddie Mac Form 490) must be matched down to the penny.

5. Accelerating Portfolio Onboarding with Servicing BPO

Cohivra loan servicing BPO teams handle post-transfer payment cashiering, escrow reconciliation, default management, and GSE investor reporting.

Explore our dedicated MSR Portfolio Transfer Support and Investor Reporting BPO Services.

Seamless MSR Portfolio Onboarding

Cohivra servicing teams onboard loan portfolios rapidly with zero RESPA notice delays and 100% investor reporting accuracy.

Consult Servicing Operations
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

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General Operations

sam@cohivra.com

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Corporate LinkedIn

linkedin.com/company/cohivra

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Active Operations Hours

Monday - Friday: 24 Hours Follow-the-Sun

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Meeting: 30-Minute Operational Discovery

Host: Sam Verma (Founder & CEO)

Time: Tomorrow, 10:30 AM CST
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