About EMA

Expert Mortgage Assistance (EMA), a division of Flatworld Mortgage Solutions LLP, provides comprehensive mortgage support services to American mortgage brokers and lenders from offshore locations spread across 8 global delivery centers. We specialize in providing end-to-end support in loan servicing solutions (FHA, VA and Conventional loans) for the residential and commercial mortgage markets. Driven by an experienced team of mortgage processing professionals we offer customized mortgage support services to enable our clients focus on their core business, while we seamlessly handle their mortgage needs, 24x7.

Why We Are Different

Having worked with the top lenders in the industry, we have developed an instinctive understanding of the dynamics of the mortgage industry. Based on this understanding we deploy a customized approach to servicing the specific needs of every lender. It is precisely because of this business-centric approach that we have long-term, loyal relationships with all our clients. We are different because

  • Over 10 years of industry experience
  • We tailor solutions by leveraging our expertise in US Mortgage processing
  • We offer total commitment to Client Data Privacy
  • We guarantee competitive rates to ensure 40% savings in expenses
  • We work from 8 global delivery centers to ensure time-bound delivery
  • We keep ourselves abreast of evolving US Mortgage Laws
  • We offer 24x5 Outsourcing Facility
  • We are an ISMS (ISO 27001) Certified Company

Our Facilities

Jacob William

He has over 25 years of work experience, with over 10 years in Senior Management positions. He has extensive experience in the ITES segment and has worked with both Operations and Business Development (in India and USA) in building, managing and growing specific BPO enterprises. He brings an understanding of the BPO/KPO segment that is vital in helping today's businesses continue to remain focused on core competencies.

David Antony

David Antony comes in with 24 years’ experience in the service and IT Industry, serving in various capacities such as Account Servicing, Business Development and Profit Centre Head. After completing his MBA, David has worked with some of the leading training and consultancy firms in India and the Middle East. A key leader of the Business Development team, David ensures focus on understanding and providing what each of our clients need to make their investments pay off.

Anand Mathew

Anand Mathew has 15 years of experience in the Marketing and Advertising industry, and a decade long expertise in the ITES sector. He specializes in building service lines on a 360-degree plan, managing stakeholders across domains as varied as Design and Development, Engineering services, Research & Data services, and Video & Animation. Anand is an 'Ideas specialist' and can envision solutions rapidly. Over the last 8 years moved seamlessly to lead Finance, Operations and Sales Management, from Managing Brands and Campaigns as a Creative Director earlier.

Seby Kallarakal

He has over 18 years, in a variety of industries such as Architecture, GIS, Internet Marketing, Software Development, E-commerce, Analytics, and Big Data. He has helped in defining Flatworld's marketing vision by applying a data-driven approach to collecting, integrating and analyzing marketing data, and leveraging it to improve customer acquisition and retention. Seby holds an Engineering Degree from IIT Kharagpur and an MS in Software Systems from BITS Pilani.

Rajeev Kumar

Rajeev Kumar has 12 years of experience in ITES and KPO industry. Having handled diverse business roles in his career, (Marketing, Business Development, Key Account Management, Operations and Managing Profit Centers) he understands the varied needs of businesses, and draws upon his knowledge to find effective solutions for our clients. Rajeev’s experience in the mortgage domain has honed him into a mortgage expert. Besides helping mortgage lenders overcome operational challenges, he specializes in strategic planning and forecasting developments.

Santosh V

Santosh has over 9 years of experience in managing the entire gamut of mortgage banking including loan processing, underwriting and appraisal. During these years, he has honed his skills in developing and delivering mortgage process improvements such as streamlining operations, monitoring performances and collaborating with key stakeholders. Currently he oversees processing and pre-underwriting of conventional housing loan applications and is responsible for aligning operations with federal regulations.

Joel John

Joel John has 12 years of operations experience with consulting, project management & leadership capability in the US Residential Mortgage end-to-end operations. He has managed over 300 FTE for leading mortgage lenders including transition of complex pilot projects like Underwriting, Closing and Compliance Review. Currently, Joel manages service delivery for some of our large clients. Being an operations excellence focal, he has thorough understanding of operational challenges faced by mortgage lenders & is driven to improve services / processes through automation / workflow management to add value to service delivery.