This will provide you with all the basic information that you will need to know regarding the Stretto | DMM Loss Mitigation Web Portal, our document preparation tools, and your Court’s Mortgage Modification Mediation Program.

The program might differ slightly from jurisdiction to jurisdiction but the loss mitigation court programs are very similar and generally works as follows:

The 5 Basic Steps will need to be completed for each bankruptcy client that you have participating in the court’s program. The Portal will provide tools and assistance during each step. The Portal has been specifically designed to simplify the entire process and do most of the work for you automatically.

docUmods is like TurboTax for loan modifications.  You just have to answer some basic questions and docUmods prepares your entire document package for you.  The paperwork package is customized depending on whom you select as the Servicer and your client's individual financial situation.  All you have to do is follow the easy instructions provided on each form.  docUmods will even provide a checklist that you can give to your client to make sure they have gathered all the necessary paperwork.

*You will need access to the DMM Web Portal in order to use the docUmods software.
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Before the process can begin, you will need to file a Motion with the Court requesting the Court’s approval to enter into the Program.  

(There are a couple of documents and notices you will need to file with the Motion so carefully review the program requirements on the court's website).

Click HERE to visit our Court Links page where you can view the program rules and procedures for your specific bankruptcy jurisdiction.

Obtain the order from the court.  Typically once your client's paperwork package has been completed and the motion has been filed, the court will issue the order.  You cannot upload your completed document package to the Bank / Servicer and complete the Portal submission without first uploading the court order.

Once the Order has been issued, you will be able to upload the entire document package to the Portal.  Your client will need to review and sign all the documentation and forms.  Once you receive the signed documents from your client, you will need to scan each form as a PDF document.   When uploading the documents during the Portal submission process, each document will be uploaded separately.
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Once you have successfully paid the Portal Submission Fee, the submission process is complete.  The Servicer will now have access to all the documents and case information and will begin their review.
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Once a case has been submitted, the Portal will create a customized Borrower Information Page that contains the case information, case history, documents, interactive visual timeline, messaging center, and a variety of links and tools.

You will be able to track progress on the Borrower Information Page using the Interactive Timeline and communicate directly with the Servicer using the built-in Portal messaging center.

Once the review has been completed and the Servicer has reported their decision, the process is finished and the case can be closed!

This is typically how the court programs work but you should still visit the court’s website in each bankruptcy jurisdiction to review the Mortgage Modification Mediation Program Rules and Procedures.  The rules, process, and prerequisites for filing the motion and obtaining the court order can differ slightly from jurisdiction to jurisdiction.  It is up to you to familiarize yourself with the rules and procedures in your particular jurisdiction(s).  Click HERE to access our Court Links page.
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Additionally, if you would like some assistance creating the package for your client, DMM’s docUPREP service can help you with that as well.  It’s only $250 and most attorneys find it very helpful to get started and get their client cases uploaded quickly. 

We will interview your client on your behalf, fill out and mail them all the documentation and forms, receive the forms back, and then scan and upload them to the Portal.  You will take over the case once the completed package has been submitted and the case goes live with the Servicer.

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Once you have submitted your docUPREP request, a DMM representative will contact you by phone shortly.

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