Home Improvement &
HVAC Loan Servicing
That Performs

WPM can support home improvement financing portfolios with flexible, compliant, and tech-forward servicing—designed to scale with your program.

Tailored Servicing for Residential
Financing Portfolios

• Scalable, Tech-Enabled Systems

  Real-time reporting, borrower portals, and automation to efficiently manage volume without sacrificing service.

• Flexible Loan Structures

  We can service fixed, promotional, deferred, and seasonal repayment plans—adapting to program rules and borrower cash flows.

• Consumer-Focused Engagement

  We offer clear disclosures, multi-channel outreach, and knowledgeable agents who understand how to serve residential borrowers.

• Delinquency Management

  Customized strategies based on risk tiers and account age, keeping early-stage delinquencies from turning into charge-offs.

• Compliance-Ready Systems

  All activities adhere to FDCPA, TILA, UDAAP, GLBA, and state consumer lending requirements, including special care for PACE programs.

• Fraud & Dispute Resolution

  Robust fraud detection and rapid dispute resolution protocols to minimize risk and ensure compliance, protecting both lender and borrower.

Addressing the Challenges
of Home Improvement Lending

• High Borrower Diversity:

  Homeowners of all credit backgrounds and life stages—requiring flexible communication and empathy-first servicing.

• Contractor Integration:

  We can work with contractor and installer networks to validate loan activity and resolve fulfillment issues.

• Seasonality in HVAC Spend:

  Peak demand requires a scalable team and consistent borrower experience—even during seasonal surges.

• Customer Retention:

  Great service means repeat business—we support your brand through accurate, respectful borrower interactions.

Backup Servicing, Ready to Deploy

WPM provides investor-compliant backup servicing for unsecured home improvement and HVAC financing programs:

• Full data migration support and system compatibility

• Pre-approved contingency testing and activation playbooks

• Dedicated backup compliance audit file and waterfall reporting

• Effortless borrower transitions with minimal service disruption

Primary. Backup. White-Label. All Covered.

Whether you’re originating loans directly, funding via installer networks, or managing portfolio runoff—WPM is built for your growth.

• Primary Servicing:

  Full borrower servicing, performance analytics, and partner-level collaboration.

• Backup Servicing:

  Fast, secure portfolio ramp-up that satisfies investor and risk team expectations.

• White-Label Experience:

  Keep borrower trust intact while we operate behind your brand name and voice.