The team at Bay Docs provides a multitude of services. Our Legal and Compliance departments continue to enhance our extensive document library with standard Agency, Federal, and State Disclosure. Our Operations Team is available to create modified and/or custom documents that will ultimately provide you with a first class document package. We are your one-stop resource for pre-application, three-day disclosures and closing packages for lenders and brokers who offer the FHA Home Equity Conversion Mortgage (HECM) loan program. We can also provide document services for lenders with their own proprietary reverse mortgage products.


Our extensive library of regulatory required documents would include:

Loan Origination System - Reverse Express™

Reverse Express™ was designed to provide Lenders/Brokers with an easy systematic process that is an affordable and lightning fast solution to obtain the required documentation. Unlike other software systems, Reverse Express™ can be customized to each client’s specific needs. Reverse Express™ is accessible through Windows, Mac, Linux and Smartphones. The system is fully secure and allows the user to create their own level of security based on the roles as defined by their internal operations.

Our system offers several features:

Instant Quote (IQ). This step, can also be known as “call center,” allows users to create and print a pre-application package for a potential applicant*. The list below is some of the documents included in the package — there is no size limit to this level.

Application (three-day disclosure). In this level, a user can compile all the necessary data to produce an accurate and compliant application document package. *Depending on what roles are provided to the client, the client can enhance and add more features in this level.

Closing. In this level, a user can compile all the necessary data to produce an accurate and compliant closing document package. *As in the application level, depending on which roles were selected, the client can enhance and add more features at this level.

Redisclosure Packages. Our redisclosure package can be created to the client’s specifications and processed at any of three levels listed above.

*All three levels are linked and auto populated for each step.

Integration Opportunities

At Bay Docs we identified a need for clients who have their own internal origination system or have already purchased a LOS that can be linked to our Documentation System. These partnerships have proved to be very successful to enhancing the reverse mortgage experience for lenders. Additionally, our exceptional compliance and legal services has been a great asset to Bay Docs and the industry as a whole.

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Bay Docs, LLC has been dedicated solely to the reverse mortgage industry since 1994. The experience that comes with every associate at Bay Docs is unsurpassed.

Get your business up to speed! Call to learn more about the Bay Docs LOS (888)297-3627 or go to and click on the About Us tab.