Business Solutions - Asset Management & Data | Xome
Servicers & Asset Manager Solutions & Programs
Xome® offers an end-to-end platform that supports key mortgage servicing and real estate functions, including loss mitigation, foreclosure, and REO asset management. Our integrated technology and data-driven workflows streamline operations, accelerate asset resolution, and improve overall portfolio performance.
Xome Auction Marketplace & Mobile App
The Xome Auction Marketplace offers intuitive features that enable buyers to search, bid, and purchase properties anytime, anywhere. With comprehensive U.S. MLS coverage and one of the nation's largest curated inventories of auction and traditional sale properties, including foreclosures, short sales, and REO. Xome delivers a broad selection of investment properties, pricing transparency, and a seamless buying experience.
11M+
Annual visitors in 2025
985K+
Registered buyers
129K+
Properties sold since 2013
1.3M
Listings as of March 2026
$21B+
Total gross sales since 2013
6.8K
Average monthly properties in auction
31K+
Properties under management as of December 2025
98%
U.S MLS listing data coverage in December 2025
All statistics are approximate, reflect historical performance, and are subject to change without notice. Past results are not indicative of future performance.
END-TO-END DISPOSITIONS
Asset Lifecycle Management
Our data‑driven asset management programs support performance across the asset lifecycle, including foreclosure alternatives, property preservation, and REO disposition. By using analytics, automation, and coordinated workflows, we help streamline processes, enhance operational efficiency, and support consistent, well‑documented decisioning.
LOSS MITIGATION
Xpert Seller
The Xpert Seller program helps servicers reduce foreclosure timelines by connecting distressed borrowers, homeowners in transition, and heirs with experienced real estate resources to explore available sale options that may help preserve credit standing and support smooth exits from distressed situations.
Ideal for:
Homeowners in financial hardship seeking foreclosure alternatives that may help preserve equity
Homeowners navigating life transitions, such as a career move, divorce, retirement, or downsizing, who need to sell their home
Heirs with property inherited through a living trust or life estate deed who are seeking a timely, managed sale
$8,304,447
Total homeowner equity retained through the Xome Xpert Seller program, representing funds that stayed in the pockets of real families navigating hardship, inheritance, and life transitions
52%
In equity proceeds distributed to homeowners1
$68K+
Highest single-home equity outcome
$591K+
Highest single-home equity outcome
1Based on 2025 closed transactions. A qualifying sale is one where net proceeds exceeded the outstanding mortgage balance. Individual outcomes vary and results are not guaranteed.
Nationwide Foreclosure Marketing & Sales
At Xome, we combine proven multichannel marketing strategies, including digital advertising, email outreach, social media, and AI-driven campaigns, with a robust sales infrastructure designed to maximize recovery on foreclosure assets. Properties are actively promoted on the Xome Auction Marketplace and sold through our xBid™ remote bidding platform, enabling investors to participate in multiple auctions simultaneously, bidding on foreclosure properties across multiple counties without being physically present. This integrated approach expands buyer reach and drives competitive bidding at scale.
Key Features:
Multichannel Marketing: Auction event-level and asset-level targeting connects properties with qualified buyers across digital, social, email, and AI-optimized search channels
Xome Auction Marketplace Promotion: Assets listed and actively marketed on one of the nation's largest curated foreclosure and REO auction platforms, reaching millions of annual visitors
xBid Remote Bidding Platform: Investors bid on foreclosure properties across multiple counties and auctions simultaneously, expanding the active buyer pool and driving competitive outcomes
Cry Sale Coverage: On-the-ground courthouse step sale support across 28 states, combining traditional cry sale expertise with digital marketing reach
Foreclosure Firm Network: Supported by 200+ foreclosure firm partnerships nationwide
BY THE NUMBERS
Foreclosure Marketing
19.9K
Unique registered bidders
6.5K+
Average monthly accounts created
40%
Average lift in property saves, registrations & bids
22%
Average increase in listing engagement
Foreclosure Sales
54
States & Territories
28
States Cry Sale Coverage
12
States xBid Remote Bidding Coverage
1,145
Counties xBid Remote Bidding Coverage
All statistics are approximate, reflect historical performance from January – December 2025, and are subject to change without notice. Past results are not indicative of future performance. Foreclosure marketing data reflects digital, email, social, and AI-driven campaign performance. Foreclosure sales and xBid coverage data reflect active operational footprint as of the reporting period.
LOSS MITIGATION
Bankruptcy Trustee Sales
Xome guides bankruptcy trustees through every step of the court-supervised sale process, from valuation through closing, connecting qualified buyers to assets efficiently while preserving estate value and maintaining compliance.
Features Include:
Full-service sale management from valuation through closing
Access to a nationwide network of qualified buyers and real estate professionals
Transparent reporting and documentation to satisfy court requirements
Accelerated timelines designed to support estate value and may help reduce carrying costs
POST-SALE
CWCOT 2nd Chance
Supports HUD's CWCOT program objectives while reducing instances of conveyance. Xome helps mitigate claim exposure by leveraging historical data and market trends to support more efficient CWCOT sales, with customized servicer models and data-driven solutions designed to inform post-sale inventory decisions.
Key Features:
Reserve Display: Reveals the reserve price after a set number of runs to encourage competitive bidding
Own It Now (OIN): Clients set a pre-approved price, including seller contributions, for faster closings
FHA Disposition & Seller Contribution Model: Data-backed servicer models to support informed post-sale inventory decisions
Aged Swap Program: Reallocates 2nd Chance inventory for renewed market exposure, with a 54% total program conversion rate¹
1Conversion rate defined as the percentage of reallocated inventory that resulted in a closed sale.
BY THE NUMBERS
Buyer Demand
2,694
Total unique bidders
24
Average bids per asset
Transaction Performance
98%
Average sales price execution vs. reserve price
40
Average days contract to close
Program Impact
4K+
CWCOT sales (January 2023 – December 2025)
$4M+
Total CWCOT seller contributions to buyers at closing
$1,026
Average seller contribution per qualifying sale
Data reflects closed CWCOT transactions, January 2023 – December 2025. Averages based on closed transactions during this period. Individual results vary and are not guaranteed.
POST-SALE SOLUTIONS
FHA Asset Optimizer
Reduce credit losses on post-foreclosure FHA dispositions with data-driven analysis. Our SaaS tool analyzes alternative liquidation scenarios using proprietary data and machine learning to recommend an informed disposition strategy, designed to align with current HUD servicing guidelines.
Key Benefits:
Dynamic calculator estimates the servicer's net position across HUD conveyance, CWCOT, and REO sale scenarios
Quantitative guidance designed to help identify the path that may reduce servicer losses at liquidation
Bulk processing enables fast, consistent analysis of large portfolios at scale
Integrated HUD guidelines support compliant, informed decision-making based on current program requirements
POST-SALE SOLUTIONS
Portfolio+
Portfolio+ delivers real-time property insights and trends across your entire CWCOT portfolio from a single platform. Designed to give servicers and asset managers the visibility needed to monitor performance, identify opportunities, and act with greater efficiency.
Key Features:
Integrated tools and data in a streamlined interface for simplified portfolio management
Customizable dashboard with a quick overview of inventory and asset-level data
In-platform task management and in-app chat to reduce email reliance and support real-time communication
POST-SALE SOLUTIONS
REO Asset Management & Dispositions
Integrated programs designed to reduce losses, support asset value, facilitate foreclosure alternatives for distressed borrowers, and accelerate the sale of REO and pre-foreclosure properties.
Key Features:
Optimal Disposition Path: Auction, alternative, and retail strategies tailored to property type, condition, and market to support investor returns
Proactive Ownership & Resolution: Escalation process for stalled loans, title defects, aged assets, and closing exceptions to keep transactions moving
Data-Driven Repair Analysis: ROI-based repair recommendations with full bid management, oversight, and post-repair inspection
Title Curative & Closing: Deed recordation monitoring, title grading, and closing management designed to minimize delays
Real Estate Agent Partnership: Access to over 1,197 experienced agents across all 50 states and U.S. territories
The real estate ecosystem that moves you forward
Whether you’re managing a portfolio or building one, Xome connects the technology, data, and marketplace that both sides of real estate need, in one place, end-to-end, and built for where the industry is going next.
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