Mortgage Servicing

Mortgage Servicing

For the past ten years, our applications have helped mortgage servicers boost modification performance, enhance customer communication and service, and increase loan performance. With our products, servicers are able to provide their customers with local solutions that meet emergency needs and create a stronger cash flow for repayment. Mortgage servicers of all sizes have delivered millions of referrals to borrowers nationwide through SpringFour (formerly MortgageKeeper) – referrals that are proven to increase on-time payment and loan performance, build stronger rapport with the borrower, and create more cash flow in the household budget.

We celebrate that the worst of the mortgage and housing crisis is over. However, homeowners continue to face challenges making payments due to lay-offs, health troubles, or unexpected home or car repairs. Roughly half of all American households still have little or no savings, less than perfect credit, and limited access to quality, trusted programs and financial products.

SpringFour provides 100,000 referrals a month to consumers at all stages of financial health. S4Direct, accessed by your customers through your consumer-facing website(s), and S4Desktop, used by your employees when on the phone or meeting with your customers. Our latest innovation is LifeKit, a free mobile app that will allow us to take our vast, vetted database of resources directly to consumers through their smartphone or other mobile devices. Regardless of the application, SpringFour users simply enter a zip code, select among 26 different service categories, and receive a list of nearby solutions.


SpringFour was founded when a community development professional with a passion for helping homeowners avoid foreclosure partnered with a Ph.D. who had spent 10+ years researching consumer behavior for the housing and mortgage industries.

Homeowners and mortgage servicers were asking how they could find quality local services to help deal with unemployment, rising expenses, and possible foreclosure. In response Rochelle Nawrocki Gorey and Dr. Michael Collins founded MortgageKeeper in 2005. 6 million referrals later, the company boasts a subscriber list of more than 30 companies and nonprofits.
Our data integrity team leaves no stone unturned. They exhaustively research organizations and products that have the best reputations. Those chosen for SpringFour must be experts in their fields and be extraordinarily responsive to the needs of their clients. This highly experienced data team regularly contacts every organization to confirm everything remains up to date.
SpringFour features over 8,500 local services more than 25 resource categories covering every state. We provide a vetted set of services in nearly 200 MSA’s. No other company offers such depth and breadth of updated solutions for consumers who need help managing cash flow and achieving their goals. We provide answers for everyone, regardless of where they live, adding more than 1,000 new resources each year, so consumers can get what they need, wherever they are.
SpringFour products offer consumers the help they need to get to the root causes of their financial challenges. With the connection to local services, cash flow is improved and financial emergencies are solved. In a survey of nearly 500 housing counselors, we found that consumers who use SpringFour products see a positive swing in their household cash flow; on average $250 in monthly savings.

SpringFour referrals also favorably affect loan performance. SpringFour worked with a long-time subscriber to perform a study that revealed that homeowners who received SpringFour referrals saw their loan performance improve. Within five months, 38 percent of the SpringFour-assisted loans were performing better, compared to borrowers who were not connected to SpringFour referrals.
We are proud to announce that SpringFour has become a Certified B Corporation®. We believe in the power of business to solve social and environmental problems. At SpringFour we strive to always do the best for our subscribers and their consumers, and gladly meet the higher standards of transparency, accountability, and performance required for a Certified B Corporation® .


We look forward to the opportunity to speak in greater detail with you about SpringFour products. To schedule an online tour of our products, please contact our sales team at

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