One Portal. Every Reverse Loan, End to End.
Your loan officers work a guided, forward-style workflow. South River handles underwriting, compliance and funding behind it.
Platform Walkthrough
From login to funding, screen by screen.
Dashboard & Pipeline
See every loan — and exactly what it pays.
Your loan officers log in to a configurable dashboard: live pipeline by stage, current rates, and per-loan economics. Because a reverse loan typically pays 2–3× a forward loan, they can see what each file earns and prioritize their South River production accordingly.
- Configurable dashboard with global loan search
- Full pipeline view (Prospect → Origination → Processing → Underwriting → Closing)
- Per-loan unit economics — compensation visible up front
Qualify & Price
Is this borrower a fit — and what are their options?
Enter the youngest borrower's date of birth, the property value, any existing mortgage, and the state. The portal returns the programs they qualify for, the principal limit and cash-to-borrower for each, and a side-by-side comparison — no reverse-mortgage expertise required. Export a clean PDF proposal the loan officer can hand or email to the borrower.
- Instant eligibility from a handful of data points
- Quick-Calculations: home value, expected rate, margin, principal limit, IMIP
- Side-by-side program comparison with a downloadable PDF proposal
Application & E-Sign
A complete application, signed for free.
Six standard data points generate the application. Integrated e-signatures send the full counseling and application package at once — no per-seat DocuSign, no manually placing 30–45 signature blocks. HUD-approved counselor lists generate automatically.
- Application generated from six standard fields
- Free integrated e-signature across the whole package
- Auto-generated HUD counselor list, tied to FHA Connection by SSN
Documents, Read by AI
Drag, drop, done.
Upload documents and the portal's Document Engine reads, separates, and labels them into a clean, status-tracked loan file — with a full history of who reviewed what. The mess of a traditional reverse file is automated away.
- AI document reading, separation, and labeling
- Per-document status and review history
- Direct title, appraisal (AMC), and flood integrations
Underwriting & Compliance
We underwrite — with compliance built into every step.
South River underwrites the file; conditions post to a punch list with the in-app and email alerts your loan officers choose. Compliance is wired into the workflow — color-coded fees, automatic APR/TILA math, and license checks that keep an officer from taking an application in a state they aren't licensed in.
- Conditional-approval punch list with granular notifications
- Automatic APR/TILA calculations and re-disclosure flags
- Live license enforcement (won't generate docs for an unlicensed LO)
Close & Get Paid
Request closing — we do the rest.
Title integration, closing scheduling, notary, and funding are handled through the portal. Once the loan funds, compensation flows to your shop. Your loan officer kept the client relationship the whole way through.
- One-click closing request with title company selection
- Embedded title services and settlement balancing
- Compensation to the licensed entity post-funding
Built to Make Reverse Effortless
The platform details that turn a forward-trained loan officer into a productive reverse originator — fast.
Guided Spotlight Tours
Every screen has a first-run walkthrough your loan officers can replay anytime — so a team coming from the forward world ramps fast.
Bulk Onboarding
Upload an Excel of your loan officers' NMLS IDs and the portal parses it and creates every account — no manual setup.
MISMO Handoff
Already on your own LOS? Upload a MISMO file to populate the loan in our system and hand it to South River cleanly (and export MISMO/investor tapes on the way out).
Notifications, Your Way
Choose exactly what you and your team get pinged about — in-app and by email — from "this loan cleared underwriting" to a daily digest. Nobody has to chase status.
ReversePilot Technology
A Reverse LOS That Works Like Forward.
Proprietary, AI-powered and modeled on the platforms your loan officers already know. Built to replace the high-cost legacy systems that held reverse back.
A reverse coach that follows your loan officers everywhere in the portal
Forward-trained loan officers hesitate on reverse because they do not know the product. Autopilot closes that gap: ask about a product, a guideline or how to explain a growing line of credit and get a real answer inside the loan you are working.
Ask Autopilot anything about this loan…
Ask Autopilot anything about this loan…
…and it handles the hard ones, too.
Trained on success, not just transcripts
South River screened tens of thousands of loan-officer conversations for the moves that advance a reverse loan, so Autopilot coaches toward what actually works.
Adapts to your experience level
Tell Autopilot how well you know reverse and it dials its guidance up or down — from first-timer hand-holding to expert shorthand.
Answers in context
Autopilot sees the live loan file, so its guidance is specific to your borrower's age, equity, and scenario — not generic reverse trivia.
Grounded and compliant
Guardrails keep Autopilot to trusted sources like HUD and South River's own guidelines, and enterprise admins can tune what it's allowed to say.
Ready to talk?
Our partnerships team reaches out within one business day.