Mortgage & Real Estate
Online lending, brick and mortar, mortgage bankers, correspondent lenders, portfolio lenders, brokers – whatever your mortgage finance model, NCS is best prepared to place an innovative, safe and compliant tool in your hand that will more effectively serve you and your client.
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Day 1 Certainty ＋
NCS now provides lenders Day 1 Certainty™ from Fannie Mae as an authorized report supplier of 4506-T tax return verification (TRV® Services) through Desktop Underwriter® (DU®).
Day 1 Certainty delivers speed, simplicity, and certainty to the mortgage origination process.
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TRV® (4506 T-Processing) ＋
TRV® Services (4506-T tax return verification solutions) obtains tax transcript data from the IRS using the IRS Form 4506-T. Results are typically returned by the IRS in 48-72 hours.
And now NCS’ is an authorized 4506-T report supplier of Day 1 Certainty from Fannie Mae through Desktop Underwriter® (DU®).
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Verification of Employment (VOE) ＋
Conducted via one of multiple employment databases, or through a direct phone call with the employer. All VOE phone calls are conducted within the United States.
SSA-89 Processing (Social Security Verification/SSV) ＋
NCS’ SSV solution electronically processes executed SSA-89 forms with the SSA (Social Security Administration). NCS clients can place or retrieve requests via NCS HD platform or NCS’ LOS integrations. The SSA returns a confirmation to NCS stating whether the data on the SSA-89 form matches what is on file at the SSA. SSV is commonly used to confirm whether a SSN (Social Security Number) matches the supplied name and address of the SSN holder.
SSV results satisfy Fannie Mae’s standard for the validation of a SSN within Section B2-2-01 of their Selling Guide.
SSV is eligible for NCS’ All Inclusive Pricing Program.
Mortgage Credit Reporting ＋
Quickly assess an applicant’s creditworthiness with decisioning trees, risk scores and powerful customization tools.
Score Enhancement Tools (CreditXpert®) ＋
Quickly assess score enhancement possibilities and forecast/simulate the scoring effects of positive and negative actions a consumer can take upon their credit file.
Fraud Detection Solutions (LoanShield®) ＋
LoanShield meets TILA-RESPA & GSE fraud prevention guidelines. Investor approvals include CitiMortgage, Chase, Chase Rural, Stonegate, Trustmark, Nationstar and Republic Bank & Trust. Mortgage credit reports are eligible for NCS’ All Inclusive Pricing Program.
Flood Zone Determinations ＋
Integrated access to some of the nation’s largest flood providers online, delivering cost-effective determinations in seconds.
Property Valuations ＋
Courthouse Abstracting ＋
Accurately interpreted data is critical to a successful outcome in courthouse abstracting. Solutions include:
- Current/multiple owner searches
- Legal investing/deed search
- Tax status
- Document retrieval and copies
- NJ county liens & judgments
- Mortgage & foreclosure search