United Processing Center (UPC) processes loan modifications on behalf of affiliates but does not originate loans. UPC negotiates with lenders to modify loan terms for borrowers. UPC handles loan modification processing from pre-qualification through approval to ensure timely resolutions for borrowers. UPC's affiliate program has no hidden fees and assigns each affiliate an account manager experienced in account management. Affiliates are responsible for collecting borrower information, payments, and documents and keeping borrowers updated throughout the loan modification process. UPC provides efficient processing, online tracking, and customer service to help affiliates grow their business.