I’m a mortgage servicer by trade, but also a music lover and guitar player. The structure is fixed – loan, customer, property – but what you can now build on top of it with AI in mortgage servicing is close to limitless. That turns a mortgage recapture strategy from a periodic marketing campaign into a continuous, data-driven part of servicing. That’s what AI in mortgage servicing should look like: timely, practical and connected to a real customer need. Together, they form a practical framework for mortgage servicing modernization: One event-driven, API-based platform running all six, supported by a three-layer foundation – data access, process automation and event-driven workflows.