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.
NCS is an authorized 4506-T report supplier of Day 1 Certainty from Fannie Mae through Desktop Underwriter® (DU®).
Verification of Employment (VOE)
Conducted via one of multiple employment databases, or through a direct inquiry with the employer. All VOE processing is conducted within the United States.
Identity (SSV Services/ SSA-89 Processing)
NCS’ SSV solution electronically processes executed SSA-89 forms with the SSA (Social Security Administration) for GSE compliance. SSV is commonly used to confirm whether a SSN (Social Security Number) matches the supplied name and address of the SSN holder.
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 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.
Hedge funds, HELOC & home equity lenders – they’re all clients of NCS. NCS’ accurately interpreted data is critical to a successful outcome in courthouse abstracting. Courthouse solutions include:
- Current/multiple owner searches
- Legal investing/deed search
- Tax status
- Document retrieval and copies
- NJ county liens & judgments
- Mortgage & foreclosure search