We want to know if there is a vendor or website our bank can utilize to quickly retrieve public records online from various Secretary of State offices, tax cards & tax bills to pay escrowed taxes, retrieve recorded real estate docs i.e. recorded Warranty/Quitclaim Deeds, MTG-DOT and AOR's. The majority of states have their records available online but behind a paywall where you have to pay for each individual page of each document. There's 25+ of us between Lending, Legal, and Compliance that need access at our bank to these docs. In my previous banking career, we utilized a website called NETRONLINE.com with a paid subscription but it appears it is no longer available. Is there a substitute?
What are loan portfolio metrics?
What is involved with customer and account document management?
We have a married couple wanting to fill out a home loan application. They state that they do not have any copies of their tax returns. Can we use the
other documents to verify income or are the tax returns required?
If an early Closing Disclosure has been issued and the borrower now wants to add a co-borrower, what are the compliance issues that need to be reviewed?
Under Reg Z, is there a new 7 day waiting period to close due to a 'new' application' with the co borrower?
Do we go off of the date of application of the 'co borrower' or the original primary borrower application?
This is not technically a changed circumstance, but if no fees are increased that break tolerances, nor a program change, is there an issue?
Why use a third-party vendor if our core offers imaging?
What should be included on a spreadsheet for tracking real estate loan exceptions?
How many times should a document be "touched" before retrieval?
What are the four types of capture?
What are some examples of electronic document imaging?