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Today’s competitive lending environment requires a fuller view of consumers’ financial profiles, and we’re committed to supporting the mortgage industry through an extensive set of data-driven solutions. The Work Number® Report Indicator notifies you upfront if an applicant has a verification of income and employment (VOIE) record in The Work Number database. What’s new is that […]
With Lock & Alert, your consumers are in control of their Equifax credit reports—which helps prevent delays during the credit application process. It’s a win-win for you and your consumers. And it’s totally free! Why lock? Locking an Equifax credit report is an effective way to help provide additional protection against unauthorized access and help […]
We offer comprehensive solutions for any disclosure need you might have. Whether it is delivering federally required disclosures, welcome letters, or other notifications, our Disclosure Fulfillment team brings customized solutions to fit any company’s needs—saving you time, money, and valuable labor resources. Our environment is platform-agnostic: Regardless of your core processing system or loan origination […]
Stay ahead of losses! If there were ever a time to start regular portfolio monitoring, the time would be now! With the current market uncertainties, you can’t afford not to proactively fend off losses. Equifax offers a simple, inexpensive way to find out which of your consumers might be headed for trouble. With portfolio monitoring, you […]
We understand that as a mortgage lender, the process of collecting a borrower’s credit, income, and asset information to complete a URLA can be time-consuming and inefficient. You often chase down information or wait for a borrower to provide the necessary documents to get the loan into underwriting, only to find that the data is […]
As the lender, you request the VOA, supplying required borrower fields such as Permissible Purpose, verification time frame, and the borrower’s email address. Next, the applicant will enter an email flow, prompting them to create an account to share information with you. As the lender, you’ll be copied on all emails to the borrower except […]
Getting borrowers preapproved for a mortgage is no easy task, but helping them understand their finances in the “quiet period” will benefit both parties. As you know, every financial decision your borrowers make during this time period impacts the closing process, so help set them up for success and ensure a quicker time to revenue in […]
Source: Equifax Undisclosed debt is an industry issue that can disrupt mortgage closings, overload underwriting staff, and dampen the borrower’s experience. With Undisclosed Debt Monitoring (UDM) from Equifax, you can reduce mortgage fraud and risk while improving your lending process and consumer satisfaction. UDM continuously monitors the loan files in your mortgage pipeline for new tradelines and other changes […]
Fulfill your CRA obligations with new Fannie Mae and Freddie Mac refi programs. New options for low-income borrowers who want to refinance Fannie Mae RefiNow and Freddie Mac Refi Possible are aimed at lower-income homeowners who have not taken advantage of record-low interest rates to refinance their mortgages. Lenders are required to reduce the borrower’s monthly payment […]
As you strategically plan and budget for 2022, we’d like to remind you that Equifax provides a wide range of solutions and capabilities beyond our traditional credit reports. If your strategic plan for 2022 includes priorities in technology, fraud prevention, online banking, risk management, new account acquisition, and/or process automation, consider how Equifax’s robust suite […]
