Close loans on time, every time.
Schild monitors your active loan pipeline so disaster exposure never blindsides you at clear-to-close, and never costs you a GSE buyback.
No surprises at the closing table.
Most teams only check for disaster exposure when a loan reaches clear-to-close. By then the window has closed with it. A wildfire, a hurricane, a flood declaration lands on a property you have been working for weeks, and you find out with days left on the rate lock.
Now the closing slips. Your processors are chasing a reinspection that should have been ordered ten days ago, the borrower wants to know what happened, and your loan officer has no good answer, because nobody could have known. Until now.
Schild watches every property in your pipeline from appraisal forward. The day a disaster affects one of them, your team knows. Not at clear-to-close. The same day. You order the reinspection on your timeline, the closing stays on the calendar, and the rate lock holds.
And when something does happen, the documentation is already there.
Disaster-related buybacks are rare. They are also expensive, and they surface long after the loan has left your books. A property in a FEMA Individual Assistance area, delivered without the documentation the GSE expects, can return to you as a repurchase demand months later. Low likelihood, high consequence.
Schild builds the audit chain as it works. Every event match, every inspection, every action your team takes is recorded against the loan with its regulatory reference attached. Fannie Mae Selling Guide B2-3-05 and Freddie Mac Bulletin 5703 set the expectations for disaster-affected properties, and Schild documents to them by default. When a repurchase inquiry arrives, you are not reconstructing what happened. The file already shows it.
One platform, three modules.
Loan monitoring and buyback prevention
The core of DEMS. Every property in your active pipeline, watched continuously against authoritative disaster sources. Every match alerted the same day, with context and a recommended next step. Every action captured in an audit chain that holds up to GSE scrutiny.
Reinspection ordering
When a disaster affects a property you are working, dispatch a qualified field inspector through the DEMS Inspector network without leaving the platform. GPS-verified photos and a professional inspection report, delivered as a PDF and attached to the loan file.
Flood determination
Generate a complete SFHDF flood determination for every property at intake, sourced from the FEMA National Flood Hazard Layer. Life-of-loan monitoring flags any property when FEMA revises the map beneath it.
More modules are in development.
How it works.
Monitor.
Schild polls authoritative disaster sources around the clock. FEMA, NWS, USGS, and others.
Match.
Every detected event is matched against every property in your active pipeline, down to the ZIP code and county the GSEs require.
Notify.
When a match occurs, your team is notified the same day, with the regulatory context and the recommended next step already attached.
Document.
If an inspection is needed, Schild dispatches a qualified inspector. The report comes back, attaches to the loan file, and the audit chain is complete.
Ready to stop the clear-to-close scramble?
See DEMS running against real disaster data. Twenty minutes, tailored to your pipeline.