A major servicer of non-prime mortgages, Homecomings Financial, has cut its delinquency and loss rates through the use of a unified message strategy that makes borrowers feel enough at ease to return phone calls from collectors. The strategy, developed by Dallas-based Risner Naukam Solution Architects, helped Homecomings boost its average response rate to 33 percent from its historical 7 percent level. In addition, Homecomings reported a 22 percent reduction in delinquent payments after it…