42 Providing internet based data capture services that enable the exchange of information via the internet from residential mortgage borrowers to institutions for use in loan workouts; Software as a service (SAAS) services featuring software using artificial intelligence for use in automating various functions related to loan onboarding, using machine learning algorithms to analyze and understand mortgage documents, datasets, and business rules, namely, document indexing and stacking, data validation and management, rule-based validation, eligibility and compliance check, reporting, real time notification, and process automatization.