An End-to-End Solution Built for Speed, Compliance, and Accuracy Based upon our vast experience in valuations, Lending Solutions has assembled a suite of client centric solutions that are built on a foundation of quality control and guaranteed service level agreements.
Each of the products and services we offer are process-engineered to meet the turnaround time requirements and compliance needs of today’s mortgage industry. And, through their integration, we are able to provide an end-to-end solution that reduces the hassle, risk, and cost associated with loan origination and default management.
Aside from streamlining your job functions, you get the benefit of having a variety of real estate lending and default management products with only one agreement and one consolidated invoice.
Lending Solutions is the provider lenders and servicers rely on for product solutions that support their strategic goals and better serve their clients. Our extensive knowledge and experience, combined with our proven processes are what differentiates Lending Solutions in the industry. We provide quality services that improve turnaround time and reduce operating costs, all while mitigating risk.
We customize solutions to ensure that you receive the highest quality services according to your requirements. Whether one order or thousands, rush or standard turnaround times, your orders are quickly and efficiently processed. Let us show you how we can create specific, customized solutions for you.
Our in-house appraisal management company offers traditional appraisals, commercial appraisals, and reconciliations that are fast, accurate, and compliant. We work with a fully vetted panel of more than 8,000 licensed and certified appraisers that provide nationwide coverage. We can easily augment our existing panel of appraisers from your current panel to deliver high-quality standards through our customized automated and manual QC processes.
Ideal for default situations, each BPO is completed by a local real estate expert and reviewed in-house by trained quality control teams that leverage our staff appraisal team and industry leading analytics. We provide Exterior and Interior BPOs as well as Value Plus Enhanced Exterior & Interior BPOs which are standard BPOs reconciled by a real estate valuation expert. In addition, we offer Historic BPOs that confirm past market value.
Hybrid valuation products can be a cost-effective gap solution. Our SureVal™ Property Analysis pairs a property and neighborhood inspection with a streamline desktop report that has been completed and signed by a geographically competent licensed appraiser. It uses the accuracy of regression analysis along with the expertise of a local appraiser to supply lenders with a well-supported USPAP-compliant value conclusion that will stand up to any compliance audit.
Our PICR offers an assessment of the property’s current condition and neighborhood, concluded by an onsite inspection all for one low cost and quick turnaround time.
We offer innovative products like our Warranted (PICR) This product combines an Automated Valuation Model (AVM) with a PICR and is backed by insurance coverage from a carrier rated ‘A’ by A.M. Best. The warranty provides additional assurance that the lender will not suffer a financial loss
We offer 18 of the industry’s leading AVM products in a customized cascade that provides national coverage and complies with all regulatory and investor requirements.
Since the market is always changing, it is important to regularly monitor your risk exposure.
Lending Solutions offers unique lien-product solutions for refinances and home equity loans. These innovative solutions meet compliance and risk needs and are less expensive than traditional title products. Upon default or foreclosure, Lending Solutions protects the lender, up to the loan amount, from losses related to errors or omissions in the reports.
Depending on the loan type, a Full ALTA Title Policy may be required to ensure that a proper lien is in place so that you and your borrower are fully protected.
This report provides a traditional Ownership and Encumbrance (O&E) , which includes information pertaining to the current owner of the property, how the property was conveyed to the current owner, open mortgages, liens, judgments, taxes, and legal descriptions and is primarily used for home equity loans and refinances.
Lending Solutions makes the closing process efficient and convenient for the borrowers and lenders. Borrowers can quickly and conveniently choose the best time and location for closing, anywhere and anytime. We also provide nationwide recording services with the ability to record loans across the United States.
We offer expertise in lien release and re-conveyance in all 50 states and in all jurisdictions.
We take care of the hassle and paperwork of obtaining your borrowers’ income verification directly from the Internal Revenue Service (IRS). E-signature capabilities are now available for this product.
Fraud and identity theft are a growing problem in our technologically advanced society. With Lending Solutions, you can rest assured that you will receive an accurate SSN authentication report to help you quickly and efficiently verify your borrowers’ identity.
The process to verify a borrowers’ employment can be manual and time consuming. With Lending Solutions, you get an experienced and dedicated staff devoted to performing all employment verifications for your portfolio, getting the accurate data faster and more efficiently.
Falsified bank and asset statements can create unnecessary risk. With Lending Solutions, you get access to instant, automated electronic bank statements to ensure the validity of your borrowers’ loan applications.
We provide guaranteed Life of Loan Flood Zone Determinations with all the required FEMA flood map and community participation status information. The Flood Zone Determination is monitored for FEMA flood map revisions and community participation status changes for the term of the loan to maintain compliance with federal regulations and secondary market guidelines. Complimentary rush orders, census tract data, property locator, map, and HMDA information is provided.
Let Lending Solutions streamline the process of ordering an elevation certificate. If your borrower’s home or business is in a high-risk area, your insurance agent will likely need an Elevation Certificate to determine your flood insurance premium. Knowing the building’s elevation helps determine your flood risk and the cost of your flood insurance.
Our Equity Default Insurance Program has been developed to expand your second loan lending production and handle the risk management of second mortgage portfolios related to charge-off loans. Equity Default Insurance is designed to allow the lender a great deal of flexibility in designing loan programs and underwriting individual loans. It provides unrivaled protection for your closed-end Home Equity, HELOC, purchase money second, and home improvement loans. Under our comprehensive policy, you will be reimbursed for any loss sustained on loans or lines made or purchased, as long as they are reported for insurance within the policy period. And you’ll pay a single low rate for all types of loans insured under the program—plus, one policy covers all types of loans insured. There’s no easier way to manage your risk.
We help create exceptional opportunities for title and appraisal management companies interested in providing warranted lien position and warranted appraisal reports for their clients. We work with leading insurance carriers to create products that will allow you to offer insurance against financial loss due to inaccurate valuations or title reports errors, including protection against buy-back requests based on inaccurate or incomplete valuations. With Lending Solutions, your clients will have one easy claim process and never have to chase down individual appraisers in order to make claims against their E&O policies. Plus, you’ll love our pricing.
Whether it is portfolio-related risk associated with real estate tax payments or increased delinquencies you’ll have real-time access to all loans that are being serviced, responsive customer service, and unmatched internal quality assurance.
Compliant document ordering is simple and quick, giving you the forms you need in minutes, freeing up time to originate more loans.
Advanced process control, reporting technology, and continuous training in new loan guidelines and regulations combine to make Lending Solutions your ideal partner for managing loan quality. We work closely with your team in all phases of the loan review process, delivering actionable information that will help you meet investor guidelines and improve your pre-funding and post-closing practices.
Product & Service Overviews
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Cornerstone Annual League Meeting
Mountain West CU Association Annual Meeting
Source Media Mortgage Servicing Conference
MBA Secondary Market Conference & Expo
April 30–May 3