HSS provides proven and affordable software solutions for the mortgage market. Its iClarity Framework addresses specific mortgage lifecycle needs, whilst integrating the sales, origination and decision-making processes with all front and back-office procedures to condense the mortgage process into minutes rather then weeks.

In 2006 HSS team delivered the world’s first web based, instant ‘Point of Sale Mortgage Offer’ software system for GMAC-RFC. The application introduced the automated valuations and electronic ID certification which revolutionised the UK mortgage market.

A groundbreaking technology, it became a blueprint for the industry and drew recognition in the form of two Gold Standard Mortgage Strategy Technology Service Awards.

Using this experience, HSS has developed a Mortgage Sales and Origination system. Based on its iClarity Framework it provides the functionality necessary for a mortgage application to pass through the following stages:

• Web based data capture or sourcing the application through a portal
  
• Automated decision
  
• Automated valuation
  
• Underwriting
  
• Online offer
  
• Completion
  

In addition, partner marketing is enhanced through a seamless intermediaries channel, enabled by the iClarity capability for white labelled portals and products, and a scalable architecture that ensures integration with existing intermediary systems.