Mortgage Software Solutions Blog

Who's making your mortgage software decisions?

I was recently ran into someone who's job title was "Software Consultant".  "Why would someone need a software consultant?" I asked, "Doesn't that normally fall on the IT department?".  I was told that in most cases it did.  But in some cases this may not be the best way to bring on critical software for an organizations. The following list gives a few reasons why a Software Consultant may help a company make better software decisions:Group of people meeting

  • Software solution requirements needed by the "business group" have not been properly analyzed. Not enough details or user expectations were uncovered in order to make a decision. Perhaps due to the next reason.
  • The IT team does not have the "bandwidth" to devote appropriate time to the project.  They are so busy with current projects and demands that analyzing software is not the priority.
  • There may be a disconnect between the end users desire for specific business processes and the IT team's "system environment" constraints.
  • The IT department's desire for retaining control may limit their objectivity in looking at "hosted" software solutions
  • In some cases there are communication issues between departments ("trust" between departments may not be part of the corporate culture), while hopefully this is not the case with your company, this type of situation does exist.

The group this individual works for, starts their process by performing a very detailed analysis of expectations expected from the software.  This task involves all of individuals who will be working with the software (users and IT).  A list is made. gathering user expectations and process vision.  With this information they objectively analyze software options available in the marketplace.  This list along with the reasons for their inclusion are presented to a steering committee. They schedule demo's of each software and help with the evaluation process.  They will then help facilitate the decision process.  

This discussion was enlightening for me.  Our company is vendor neutral and do not suggest mortgage software solutions.  In most cases, our prospects/clients have usually already decided what mortgage software they will be using.   If they are still looking, I can suggest barriers they may be hitting and provide tactics that will help them make a more informed decision.

How do you choose your business software tools? 

  • Give the project to IT?
  • Strictly a cost decision?
  • Always pick the industry leader?
  • Suggestions from peers?
Topics: Hosted Software decisions Picking Software Hosted Software options Hosted Software Hosted Software issues On Demand Software

Hosted Mortgage Software - slowness issues solved

Recently I was on the phone with a client who was having issues with latency over their internet connection.  An example of latency is when you are typing info onto an online form.  If there is a split- second delay between the time you hit the character on the key board and its appearance on the computer screen, you are experiencing latency.  Back to the case... When the client called they were ready to change out a hosted mortgage program that they identified as being slow and inefficient, for another.  The hosted application in question is very well known and we have clients all over the country who use it every day with no problems.

During our conversation we talked about their connection experience.   "Usually no problem, very fast", I was told.  Our tests of their systems showed they did have a fast internet, when sending/receiving small packets of info.  But when we started testing larger packets of information, files with pdfs/images attached to them, we noticed there was a problem.

 We focused on the hosted mortgage software they were having issues with.  As it turns out their processes had changed.  Over the last 12 months and they had built up their file sizes.  These once small files now had additional pdfs/images added to them.  Their file sizes had increased in size, some were now pushing 6 MB in size. This made what was originally a small data footprint, into a giant one.  And when multiple people execute the same processes, the streams of data were overwhelming their internet connection.  With the increase in size of their data packages it was as if they were trying to suck a watermelon through a soda straw.

One of our Tech people who was on the phone at the time started to ask more detailed question about their business offices and their internet connection.  As it turned out their Internet provider is located in the same building as their offices.  The T-1 connection (1.5MB connection) which I was assuming the company had exclusive access to, was actually fractional and divided up with other offices.  My tech explained that with the increases in file sizes on all applications a T-1 (what used to be the "gold standard" connection size) is now pretty minimal.  And when you start adding to the internet load with cool features like VOIP phones, music and video streaming, you will eat up bandwidth very quickly.

 The client is going to their carrier and will invest in a larger internet connection (a fatter pipe).  They should see the cost of the additional bandwidth offset with by the increased efficiency in their staff's production.   Plus they will not need to get rid of a software tool the staff is used to working with.

I learned a lot during that call.  I am asking better questions and looking at the whole business process rather than just the applications we deal with.

I hope this is helpful... thanks for your time


photo from

Topics: Mortgage Software Managed Hosting On Demand Software Mortgage Software Latency Managed software hosting issues