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 Virtual Office Builder for Lending Professionals

  A Lending Management Solution that builds your business with Real Estate Agents.

 

Virtual Office Builder® for Lending Professionals is suite of business tools, serving as a companion to your existing LOS. Virtual Office Builder includes a Transaction Management System, Digital Fax Services, Voice Services with lead generation tools, and a Custom Website. Pick and choose just the tools you need or sign up for all solutions in one low cost package.

Your Virtual Office Builder integrates seamlessly with a real estate agent’s Transaction Management System, enabling you to receive a completed loan file in MISMO XML, Fannie Mae 3.0, Fannie Mae 3.2, and Adobe .PDF. Imagine having a real estate agent’s buyer order a tri-merge credit report with credit scores, complete a 1003, and then deliver it to you for processing. Pre-approve an agent’s buyer before they even make an offer on a house. This helps you help your agents close their deals. In turn, they keep sending you business. Everyone wins: buyer, agent, and lender.


               Our technology works with and enhances your existing LOS:

 

Private Label Client Login
Your borrowers can log into a custom tailored and personally branded secure transaction management system. Here they can conduct all their business with you online, including:
 

Complete the loan application through a proprietary application wizard

Order the credit report and have the liabilities of the credit report imported into the loan application

Print the loan application

Print loan conditions

Print federal disclosures (good faith estimate and truth-in-lending), including handbooks

Print certain state disclosures

Fax documents to you and convert them into digital documents that are automatically stored in the correct transaction file folder
 

Credit Report Integration
Let your borrowers order their own credit report and automatically import all liabilities into the online loan application. This is a timesaver for borrowers, as they won’t need to spend hours gathering all their credit card statements, auto loan statements or mortgage statements.  It also saves time for you because you will receive a complete and accurate loan application the first time around.  Plus, your borrowers now have a copy of the credit report, eliminating the need for you to make one for them.

Automated Underwriting
After your borrower completes the web-based loan application through the proprietary loan application wizard, the application is run through an automated underwriting engine, which follows standard lending industry underwriting guidelines. You now can be confident that you have a complete and qualifying loan application that is ready to begin processing.

Integration with Major LOS Systems
If you wish, you can import the loan application directly into your existing LOS. The application that is completed online by our loan application wizard can be exported directly to your LOS or to a lender's website as either Fannie Mae 3.0 or 3.2 or MISMO XML file format.

Disclosures to Your Borrowers in Real Time
Make the loan application process more safe and efficient by having your borrowers print the completed loan application, schedules, disclosures, and loan conditions directly from their own computer.  The documents are obtained by the borrower through a secure website whereas emailed documents are not secured.

Barcode Faxing and Document Management
Have your borrowers and third parties give you supporting documents in digital form. All they do is fax the documents using the proprietary bar code fax coversheet. The documents are converted into .pdf files and saved directly into the correct folder in the transaction file.  You can then access these documents form anywhere, anytime®.
 

Online Ratesheets
We have designed a one of a kind system that allows you to give to your lenders unique email addresses, which they can use to email to you your rate sheets. The emailed rate sheets will then be automatically posted into your Virtual Office Builder TMS.

Vendor Management and Collaboration
Automate ordering of services from your preferred appraisers, escrow, title, and other vendors. Enable them to deposit documents directly into your TMS so that you can easily create an ELF® (electronic loan file).