|
Through our platform, Sharper Lending, we can offer several different appraisal services to you. |
|
AVMs, or automated valuation models, automate the subject property valuation process. They are commonly used on refinances, equity loans, quality checks, and other types of loans where property ownership is not changing. Many different real estate factors are used in processing AVMs: recent sales in the subject property area; overall market conditions; conforming neighborhood; CPI (Consumer Price Index); and GNP (Gross National Product). AVMs are 30-second reports, meaning that the completed report should return to the user in 30 seconds or less. |
In today's fast paced market, a quick close is essential for Equity and Refinance loans. Lenders are looking for the easiest, fastest and less expensive option. We are here to help. SIR has services that can allow you to make your decision and close the loan quickly. Some Bundle Examples are: | Instant Equity/Refi Bundle | Bundle Plus | | Credit | Credit | | Flood | Flood | | AVM | AVM | | MLR | Property Plus |  | | Guaranteed Value Bundle | Quick Close Insured Bundle | | Credit | Credit | | Flood | Flood | | AVM Plus | AVM Plus | | Property Plus | MLR |
|
|
Using one of the Closing Management Services we offer through Sharper Lending, eliminates costs associated with recruiting and training independent professional notaries, monitoring compliance issues on a state-by-state basis, order tracking, and invoicing individual agents. |
|
The new FACTA, Section 609 - requires that mortgage lenders provide a copy of the score with explanations, if the consumer so requests. SIR stands ready to provide this serivce. Let us take the worry away from you and help you comply with FACTA |
 NEW! Introducing the first service that automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Intelligent, automatic and easy, Credit Assure™ inspects every file so you don't have to. |
|
Read more...
|
|
 Instantly analyze and optimize credit. Featuring consumer-friendly content and the most personalized insights available, CreditXpert Essentials™ determines the best actions to take to maximize an applicant's credit scores, so you know what to look for and what to do.
|
|
Read more...
|
|
SIR has connections for your Fannie Mae and Freddie Mac credit report needs. |
|
Mandated flood hazard status is accomplished easily with Strategic Information Resources Determinations. These reports meet the requirements set by Fannie Mae, Freddie Mac and other investors. The certificates fully comply with FEMA regulations as to format and content. |
|
The Tax Return Verification report or TRV is used in situations when the lender is either required to verify reported income or feels it prudent to do so. Information from the applicant's IRS Form 1040, page one, is provided to the IRS who in turn gives the lender a line by line comparison showing the figures that were actually filed for the calendar year requested. |
|
The Automated Valuation Model (AVM) is a technology-driven product developed to provide unbiased residential property valuations in a cost efficient and timely manner. The AVM Plus takes the speed and economy of the AVM a step further. It includes a warranty backed by an Errors & Omissions insurance policy that manages the lender's risk against possible valuation inaccuracies. |
|
The Property Report provides the name(s) of the current owners(s) of the property, how the property was conveyed to the current owner(s), open mortgages, liens, judgments, tax information, and a complete legal description of the property. The Insured Property Report (Property Plus) is backed by an Errors and Omissions policy. |
|
The LVD is designed exclusively for the busy real-estate lending industry. It provides information on the current owner of the searched property. It also provides the property's legal description and the parcel identification number. |
|
"Merged Time Saver" report conveniently blends the trade-lines from all three repositories. The availability of various formats and sort options allow the report to fit easily into your workflow. |
|
The Mortgage Loan Report (MLR) is a credit-based report used for Home Equity, Seconds, and Refinance mortgage loans. This unique SharperLending product gives the lender a view of the borrower's secured mortgage liens as well as any reported judgments and public record information. The first part of the report is generated from credit data, and the remainder of the report includes a borrower lien affidavit form that is to be completed by the borrower either prior to or at closing. The completed MLR returns to the lender in 30 seconds, giving the lender the ability to quickly make an underwriting decision on the loan. |
|
Our development group will update appropriate credit information, and when required, verify public records data and employments. Consumer interviews may also be conducted. The RMCR is available in multiple formats and sort options. |
|
A service that expedites disputes and changes the credit repository data that could have a positive effect on the consumer's credit score. This service will assist you in staying close to your applicants while assisting them in improving the chances for the best loan deal you can offer. |
Company | Product | Version Supported | Comments | Byte | Qualifier | 4.2 thru 4.8 | LosActivex | Calyx | Point | 2.4 thru 3.6b | XpertClient 3.3 | Calyx | Point | 3.6c thru 4.3a | LosActivex | Contour | Loan Handler | 4.2, 5.0 | XpertClient 3.3 | Contour | Loan Handler | 5.3.31 | E-PASS | Creative Thinking | LoanMor | 1.0Win | XpertClient 3.3 | Criterion | Loanvision | 1.30-2.0 | XpertClient 3.3 | Dynatek | Loan Office | 5.0-6.05b | LosActivex | Eastern | Empower | 6.21 | LosActivex | Eastern | EasyApp | 6.13 | XpertClient 3.3 | Ellie Mae | Genesis 2000 | 9.3, 11, 14 | XpertClient 3.3 | FICS | Loanware | 1.2 | XpertClient 3.3 | FIPCO | Mortgage Publisher | 7.3c | XpertClient 3.3 | FiServe | Easylender | 2.1Win | LosActivex | FiServe | Orlando | | XpertClient 3.3 | FiServe | Unifi | | MISMO | Fitech | Mortgage Solutions | DOS | XpertClient 3.3 | FiTech | Bravura | Unknown | Xpertclient 3.3 | Genesis2000 | Genesis 2000 | Up To 15a | XpertClient3.3 | Genesis2000 | Genesis 2000 | 15b-Current | E-PASS | IMPAC | | | MISMO | Interlinq | Mortgageware | 8.3eR3 DOS | Losactivex | Integra | Integra | Unknown | XpertClient 3.3 | Pipeline | Loan Processor | 5.0-current | Losactivex | Pipeline | Loan Processor | 5.0-current | XpertClient 3.3 | Portellus | | | MISMO | Provantedge | Loan Commander | | XML | RAM | Powerpak | 5.5DOS, 1.2+Win | XpertClient 3.3 | Sound | Sound Software | 1.9 | XpertClient 3.3 | Trakker | TrakkerCorp | No Sentinel | XpertClient 3.3 | Tuttle | Loan Officer Plus | 4.2, 4.4, 4.6-4.8 | XpertClient 3.3 | Ellie Mae | EPASS | | EPASS | Harland | Laser Pro | | EPASS | Data Consultants | | | MISMO | XL Dynamics | | | MISMO | AMPS | | | MISMO | Loansoft | | | Xpert Client 3.3 | | | | | Working on: | | | | GHR | MARS/Premier Suite | | | Bankers System | BSI |
|
A Title Search provides information on the title of the subject property. All of your title needs are met by our large selection of local and national title vendors, including: - American Title
- National Real Estate Information Services
- Nationwide Title Services
- NetCo Title
- Security National Real Estate Services
- TransContinental Title
|
|
A quick easy way to update the Merged Report. The data will not be changed at the bureau level. However, this is a great tool for updating balances and accounts to satisfy underwriting requirements. This action does not affect the credit score. |
|
