# Loss Mitigation Agent

*For Servicers · Complete packages, evaluated inside the Reg X clock*

> An AI loss mitigation desk: package intake and completeness, hardship income from the documents, waterfall evaluation, and the Regulation X clock on every file.

Package intake and completeness, evaluation against investor waterfalls, and the Regulation X timelines.

**Replaces** — The package that remains incomplete while a Reg X clock ran.

**Unlocks** — A borrower evaluated inside the clock, on a package that was complete when it landed.

## What the Loss Mitigation Agent does

- Reads the loss mitigation package as it arrives and flags what is missing
- Calculates hardship income from the documents, the way an underwriter would
- Evaluates the complete package against the investor waterfall along with the audit traces
- Watches the Regulation X clock on every file — the five-day acknowledgement and the thirty-day evaluation

## Where it stops

It does not approve or deny a workout. It gets the package complete, evaluates it against the waterfall, and puts a decision-ready file in front of your loss mitigation team.

## No published study yet

Send us an incomplete loss mitigation package — you will see what was missing on the day it landed, what the hardship income comes to, and where the Reg X clock stood.

## What it runs on

- /platform/document-intelligence
- /platform/voice-agents

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_Source: [https://seiright.com/for-servicers/loss-mitigation-agent](https://seiright.com/for-servicers/loss-mitigation-agent) · Sei AI_