SOLUTIONS & SERVICES

+ Soft PreQual Infile

Soft PQ Infile: Determine your prospect’s creditworthiness from a single bureau soft pull prior to their loan application. Prequalify your loan prospect the smart way – via Soft PQ Infile-- to determine whether they meet your pre-loan criteria.

• Save significant time, valuable resources and upfront costs.
• Strengthen approval rating
• Avoid massaging a prospective applicant for weeks
• Stay ahead of the competition by pre-qualifying your best leads
• Increase your overall pull through rate
• Focus on deals that make sense.
• Significantly lowers the upfront costs in qualifying borrowers

+ CreditXpert Solutions

Quickly assess score enhancement possibilities and forecast/simulate the scoring effects of positive and negative actions a consumer can take upon their credit file. + RAPID RESCORE: Correct the information on a credit file within 3 business days, or as a rush within 24 hours at the bureau level. This tool allows your borrowers to possibly obtain higher scores allowing them to qualify for better rates. Learn More >

+ Lead Generation Solutions

+ iSCREEN Lead generation for mortgage originators via Experian data based on credit and demographic criteria. You can upload your own list to screen or review target prospect list before purchase. Criteria include homeownership, credit score, balance of mortgage, zip codes. + IN THE MARKET A tool only offered by Experian that identifies who will be in the market for HELOC or mortgage in next 120 days. It offers credit protection packages that include FICO score-monitoring, credit report-monitoring and AIG Identity Theft Insurance. You can never be too cautious when it comes to credit protection, but S1 will ensure your customers’ information is safeguarded behind a reliable wall of credit protection. Learn More About Lead Generation Tools for Mortgage Originators >

+ Portfolio Review

Service 1st can evaluate existing portfolios or portfolios being evaluated for purchase to check for discrepancies. The information will help determine the actual health and accuracy of the loan pool.

+ Credit Reports

+ SMART SELECT CASCADING CREDIT REPORTS Streamline your costs by using a cascading credit bureau report option: By building your own specific credit report criteria, the system will automatically build into a complete tri-merge report, or stop building if certain conditions, such as scores or other negative factors, are not met. If you experience a significant fall out rate, Smart Select works. + TRI-MERGED Easy to read and customizable, utilizing all three credit bureaus to evaluate credit history with optional FICO, OFAC, Fraud, and ID. Request 1, 2, or all 3 bureaus. + BUSINESS Providing corporate information on all types of verified businesses registered by the Secretary of State. Qualified income data sources including BBB report, state licenses, referenced credit history, and company net worth. Turnaround time averages 5 business days.

+ Tax Income 4506-T

With TRV® Services, you can count on an optimal service to accurately verify individual or business income data from the IRS. Powered by our sister company, NCS, we are an authorized 4506-T report supplier for Fannie Mae’s Day 1 Certainty® through DU®. Supplements also available. Results are typically returned by the IRS in 48-72 hours. Our 4506-T tax return verification provides lenders easy-to-read income verification data. A streamlined, cost-effective tax transcript ordering process designed to reduce the impact that income and identity fraud can have on your bottom line.

+ SSN Identity SSA-89

+ SSV SERVICES (Form SSA-89 Processing) We verify that the borrower identity matches the supplied name and address of the SSN holder. We electronically process executed SSA-89 forms with the SSA (Social Security Administration) for GSE compliance using CBSV web services platform. SSV results* are received in less than 60 minutes. Validation options include death master file check, confirm DOB, authenticity, issue date validity, additional name association, fraud alert, and high-risk factors. * Satisfies Fannie Mae’s standard for the validation of a SSN within Section B2-2-01 of their Selling Guide.

+ VOE Employment Verification

+ VOE SERVICES

• View Case Study

+ Bank Statement & Assets

Third party validation (necessary if Day 1 Certainty) of an borrower applicant’s current bank account balances. - Form Free - Finicity

+ ID Review

+ Application Data Validation

A combination of automated fraud detection with manual review by highly trained fraud researches using a national source-verified database, ADV-120 scrubs the loan file for any discrepancies. You receive a risk report that identifies fraud risk in a mortgage application and covers key verifications instantly.

+ Courthouse Abstracting

Accurately interpreted data in courthouse abstracting. Include:

• multiple/current owner search
• county liens & Judgments (NJ)
• mortgage & Foreclosure search
• deed investigating
• tax status
• document retrieval

+ Flood Zone Determination

+ FLOOD Get access to the nation’s largest, investor approved, flood provider with results delivered in seconds. Both Commercial and Residential.

+ Lien & Judgement Reports

Order a quick review prior to your Title report to detect if applicant has any outstanding liens and judgements. Instant results. Stand alone or built in as an addon report. Includes undisclosed debt monitoring alerts.

+ Income+ Calculations

Design engineered to save up to 40+ FTE minutes per calculated loan file. It standardizes accuracy, removes endless document uploads and eliminates multiple stakeholder arguments concerning differing income calculation results. LEARN MORE Income+ is a suite of one-page reports leveraging validated employment history and IRS financial data. This income determination solution is useful for any mortgage professional looking for a simplified service to calculate borrower income in real time.

+ Bank Statements & Assets

Third party validation (necessary if Day 1 Certainty) of an borrower applicant’s current bank account balances. Form Free | Finicity

+ Regulatory Compliance

+ ID RISK REVIEW Everything needed to screen loan applicants and assess credit risk. Automated decisions and queue management allow us to cater to all types of lending. With support for all major credit bureaus and sub-prime products, you’ll gain additional insight into virtually any applicant and gain the opportunity to serve new markets

+ Undisclosed Debt Monitoring

We will continuously monitor for increased credit activity during the “quiet period” of the loan manufacturing period to remain in compliance within 120-day credit report requirements by Fannie and Freddie. We will also provide daily alerts to lending stakeholders if any red flags present a potential risk associated with any mortgage loans in their pipeline.

+ Wire Transfer Fraud

The wire transfer service provides an easy and reliable way to order and manage the initial vetting reports, bank account reports and ongoing monitoring results. We provide a two-part report verifying both the bank account information and the settlement company status; + BANK ACCOUNT VERIFICATION Verifies accuracy of ABA and account numbers as well as its association to settlement company. Helps reduce wire fraud. + SETTLEMENT AGENT VETTING CFPB compliant, we verify legal name, title licenses, history of license sanctions, and checks for exclusions list match.

+ VOE Employment Verification

An all-encompassing verification of employment solution offering speedy turn times for manual, automated, and verbal authentication of employment and income history. Our team focuses on premier customer satisfaction by delivering quality reports with speed, accuracy, and consistency. Engineered as a web-based technology system solution, VOE Services communicates real-time status during the lifecycle of your order with granular transparency. VOE Services uses automation from a robust database of new and participating employment and earning histories. However, 75% of US-based employers require manually verification and database input. Our processors successfully fulfill order requests up to 3 times faster than the industry benchmark for manual and verbal verification processes. * For your 20-day closings, ask us about Income+, our single page income determination report that uses standardized income calculations using tax transcripts, W2s, and VOE data.

+ Fraud Reports

+ ADV-120 (Application Data Verifications) Reports summarize results by branch and loan type. Includes findings, warnings and risk score of identity, employer, unlimited mortgage participants, borrower occupancy, lien and judgement search, valuation, and subject property verifications.

+ Mortgage Payoff

+ Portfolio Review

Service 1st can evaluate existing portfolios or portfolios being evaluated for purchase to check for discrepancies. The information will help determine the actual health and accuracy of the loan pool.

+ QC Credit Report

Meet regulatory requirements with this soft inquiry credit report designed for loan servicers and QC companies.

+ Property Appraisal (AVM)

+ PROPERTY APPRAISAL (AVM) Property Appraisal process using multiple AVM (Automated Valuation Models). In just seconds, our automated valuation model (AVM) solution determine the value of a specific property using validated data sources to evaluate real estate and property information, recent sales, price trends, and tax assessments. It’s that simple, saving you significant time and costs compared to traditional property appraisal processes.