Defend-ID Mortgage Protection Program

Empowering lenders to safeguard the financial wellness of borrowers and foster enduring loyalty through lifetime value.

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Improving LTV - Life Time Value

"Defend-ID revolutionizes mortgage lending by providing tailored solutions that foster lender-borrower trust, ensure financial wellness, and position lenders strategically for refinancing opportunities. Through consistent co-branding and customizable communications, we not only meet today's demands but anticipate future industry evolutions, making lenders indispensable in a competitive rate environment. Our commitment to tackling identity theft further secures lenders' financial stability, making Defend-ID a proactive, reliable partner in navigating the mortgage landscape."

The Challenges

Borrowers are seeking trustworthy lending practices that ensure their mortgage identity protection. As they navigate the complexities of home loan security measures, the security of their personal and financial information becomes paramount.

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The Defend-ID Mortgage Protection Program shifts the lending industry from a transactional approach to one of enduring loyalty. By safeguarding borrowers' financial well-being and consistently showcasing the lender's commitment, it cultivates lasting trust, ensuring repeat business and creating lifetime value for lenders.

defend-id Solution

Our comprehensive protection program seamlessly combines state-of-the-art identity theft prevention for homeowners with strategic marketing advantages for lenders. We offer:

  • Immediate Protection: Coverage starts from the application phase.
  • Extended Peace of Mind: Coverage extends years after closing.
  • Financial Stability: Reduces the risk of unauthorized transactions.
  • Credit Score Preservation: Minimizes unexpected credit score drops.
  • Fast Response and Resolution: Immediate access to experts.
  • Educational Resources: Tools and information designed to educate borrowers.
  • Cost Savings: Helps prevent unexpected expenses.
  • Convenient Monitoring: Regular updates and alerts.
  • Continuation of Coverage: Option to extend coverage at a reduced rate
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Lender Benefits

Lenders are in a unique position to offer comprehensive borrower protection, ensuring the holistic well-being of their clients. By incorporating our services, lenders can:

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  • Risk Mitigation: Reduces potential loan defaults by ensuring borrowers' financial stability.
  • Regulatory Compliance: Helps lenders adhere to regulations prioritizing borrower data protection.
  • Enhanced Reputation: Demonstrates a proactive approach to borrower security, fostering trust and brand loyalty.
  • Portfolio Quality: Ensures a high-quality lender's portfolio as borrowers with protected identities are less likely to default.
  • Competitive Advantage: Differentiates lenders in the marketplace by offering added security and value to borrowers.
  • Customer Relationship Building: Deepens the bond between lenders and borrowers, emphasizing the lender's commitment to their holistic well-being.
  • Increased Referrals: Satisfied and protected borrowers are more likely to recommend the lender to friends and family.
  • Co-Branding Benefits: Integrates the lender's branding on the protection platform and all communications, continually reminding borrowers of the lender's dedication to their security.
  • Marketing Advantages: Tailored post-closing communications enhance lender visibility, with the option to customize emails at the Loan officer level, providing a direct and personalized channel to borrowers. The high open rate of Defend-ID's "credit score update" and "no news is good news" emails ensures consistent top-of-mind awareness.

Plan Options


Sample Mortgage Plan
Authentication Service
Annual Credit Report w/Score
1 Bureau Credit Monitoring w/ Daily Alerts
Instant Credit Alerts
Credit Score Tracker
Dark Web Monitoring
SSN Monitoring
Criminal Data Monitoring
Address Change Monitoring
Child Dark Web Monitoring: (Unlimited children)
Lost Doc Replacement
Credential Vaults
Expense Reimbursement
*3 Year Cost
*2 Year Cost
*1 Year Cost
"My Recovery Advocate was a great help. This was my first experience with ID theft. He helped me through all of it, every step because I was lost. I felt the entire process was easy and a ton of weight is now off my shoulders."
“Words cannot express the confidence I have in my Recovery Advocate. They were very skillful and kept us going forward while during the entire time keeping my stress level extremely low. So very grateful for this service.” Teresa J.
“Our recovery advocate was extremely helpful. She went the extra mile to assist us.” Louis F.

Program pricing is dependent on the unit volume and the selection of plan features.

Pricing includes both the primary borrower and co-borrower. This means that everyone on the mortgage is covered under the same price, making it a comprehensive solution for all parties involved. Coverage includes Fully Managed Recovery for children.

*To provide a clearer picture, consider the above example: the sample pricing given is calculated based on the assumption of 500 closed loans per month. However, it's important to note that plans are flexible and can be modified to accommodate specific needs or budget constraints. Ultimately, the cost of the plan will be determined by both its design and unit volume.

Feature Descriptions


Fully managed recovery provides the peace of mind of a dedicated certified Recovery Advocate. The advocate will work on borrowers behalf to perform all of the tasks necessary to restore their identity, completing and filing forms, research and contacting all companies, agencies and financial institutions necessary to ensure that any and all fraudulent activity that has been identified is addressed and resolved.


Continued assurance that the person logging into the defend-id system is your borrower


Receive your Transunion credit report instantly. (Three Bureau for Platinum Plan), providing detailed records of your credit history, reported by the credit bureau(s).


Receive alerts within 24 hours on new activity such as credit inquiries, new credit lines, derogatory credit, name and address changes to name a few.


Instant Inquiry immediately alerts you when a creditor requests your report at TransUnion. You will receive an email as soon as TransUnion receives the request.


A monthly update of your credit score which is a vital aspect of your financial future.


An intelligent and proactive identity theft detection solution that searches for compromised information across the deep, dark and surface web, as well as underground forums and file sharing sources.


Monitors millions of public and private database records to identify possible instances of id theft and will alert you of changes that may indicate an identity thief is using your info to access an existing account or applied to open a new account in your name.


Monitor millions of criminal and civil court records for your personal information. Validate your personal information has not been used to commit a crime.


Monitors United States Postal Service for any updates to your address and alerts when changes have been made.


Monitors millions of public and private database records looking for information related to your child to let you know if any of their personally identifiable information is being used by identity thieves.


Lost wallet or purse? Secure online storage for up to 50 pieces of personal info including credit cards, checking & savings accounts, personal loan information, passport, retirement accounts, certifications, licenses, & more!

$1,000,000 ($25,000 Gold Plan) REIMBURSEMENT INSURANCE

Covers expenses you may incur during the recovery of your identity, including long distance telephone calls, postage and handling fees, fees for notarizing affidavits, document, filing fees for grants or credit applications rejected as a result of a Stolen Identity Event. Lost wages due to time off from work are also covered.


Have a Question? Contact Us Today!