Home Icon
WE ELIMINATE BAD DEBT!
ONLINE Information Services, Inc.
P.O. Box 1489
Winterville, NC 28590
(866) 630-6400 Sales
(800) 447-1336 Mortgages
Log In

What's New?

Newspaper Highlights
ONLINE's Contribution to the United Way.

View All What's New Items


ONLINE Mortgage Reports:

Close More Loans With ONLINE Centralize Your Process - Save Time and Money

ONLINE Mortgage Reports provides products and services for fast and accurate loan processing. With increased competition, refinances with flat-rate fees, and the need to maintain profitability in this market slow down, ONLINE's full suite of Mortgage products, available from a central, web-based platform, is the easy choice for all your mortgage report needs. Please take a moment to view all of our products and services.

We are committed to helping you maintain your current market while positioning yourself for phenomenal growth in the future. Remember, the centralized ONLINE Mortgage Reports platform is FREE to brokers and lenders!

Click the tabs below to learn more:

ONLINE Mortgage Credit Reports

Benefits
ONLINE Mortgage Reports is the mortgage industry's premier credit-reporting firm. ONLINE provides you with the easiest to read credit reports, the newest technology, access to all automated underwriting services and the best customer service in the mortgage credit reporting arena. All of this provided to you safely and securely over the Internet. ONLINE does not charge monthly membership fees or monthly minimums, so you only pay for the reports you pull.

Features
  • Easiest to read report available
  • Flexible, web-based technology
  • Automated underwriting
  • Outstanding Customer Service

Interested? Request more information or call us today at (866) 630-6400.

ONLINE Mortgage Loan Report

Benefits
Many lenders are taking advantage of the speed and cost savings available today with ONLINE's Mortgage Loan Report product for Equity lines of credit and Refinances. The Mortgage Loan Report (MLR) is a credit-based report used for Home Equity, Refinances, and Secondary mortgage loans. This unique product provides a view of the borrower's secured mortgage liens and any reported judgments and public record information. Combining credit data and a borrower lien affidavit form, the completed MLR returns in 30 seconds, giving you the ability to quickly make underwriting decisions.

Features
  • Report delivered in 30 seconds for quick underwriting decision
  • Gap covered between report date and recordation
  • Protection from fraud
  • Simple claims process for reported errors or omissions resulting in lender loss
  • Claim settlement within 30 days
  • Available in all 50 states
  • Includes filed tax liens

Interested? Request more information or call us today at (866) 630-6400.

Property Plus Report

Benefits
Many lenders are taking advantage of the speed and cost savings available today with ONLINE's Property Plus Report for Refinances and Equity lines of credit.

The Property Plus Report provides the traditional E&O (PropertyReport) report that includes the current owner of the property, how the property was conveyed, open mortgages, liens, judgments, tax information, and a complete legal description, and through an executed Property Plus Service Agreement, the lender transfers the underwriting risk to EPN Solutions, LLC. where it is backed with an enhanced Errors and Omissions policy.

Features
  • Speed and cost savings over traditional products
  • Gap covered between report date and recordation
  • Protection from fraud
  • Life of loan and transferable
  • Simple claims process for reported errors or omissions resulting in lender loss
  • Claim settlement within 30 days
  • Available in all 50 states
  • Foreclosure not required if commercially uneconomical to foreclose
  • Equity loans can be in any position including first
  • Includes filed tax liens

Interested? Request more information or call us today at (866) 630-6400.

EPN Solutions, LLC. maintains an enhanced Errors & Omissions policy that is “occurrence based” with no deductible and no aggregate limits from Markel Insurance Co.

Automated Valuation Model (AVM)

Benefits
An increasing number of lenders are using AVMs (Automated Valuation Models) to get unbiased subject property valuations. The AVM Plus report allows lenders to enjoy the speed and accuracy of an AVM and manage the risk. As you know, determining the collateral value of the subject property is a key component of the mortgage loan underwriting process. The accuracy of the valuation is essential for the lender to properly assess the collateral property pledged as security for the mortgage loan, and for determining the Loan-to-Value and Cumulative Loan-to-Value ratio. Inaccurate valuations can cause lenders to lose alarming amounts of both investment money and time.

The Automated Valuation Model (AVM) is a technology-driven product developed to provide unbiased residential property valuations in a cost efficient and timely manner. The AVM Plus takes the speed and economy of the AVM a step further: it includes a warranty backed by an Errors & Omissions insurance policy that manages the lender's risk against possible valuation inaccuracies.

Features
  • Specific to loan transactions secured by Firsts, Seconds, or Equity Liens
  • Coverage period - Life of Loan
  • No annual aggregate limit or deductible on coverage
  • Eligible claims: 10% variance standard (Customized by lender)
  • Maximum loan amount: $750,000
  • Coverage transferable
  • Claim process: Submit retro-appraisal
  • Coverage transferable
  • Claim process: Submit

Interested? Request more information or call us today at (866) 630-6400.

Current News

Merry Christmas from
ONLINE Information Services, Inc.
ONLINE to Perform
Scheduled System Maintenance Beginning at 10:00PM EDT 07/11/15.
Important Notice:
ONLINE's July 4th Holiday Schedule
ONLINE to Perform
Scheduled System Maintenance 05/02/15 to 05/03/15.
ONLINE Information Services, Inc.
is at the Pitt Community College Career Fair Today!
Newspaper Highlights
ONLINE's Contribution to the United Way.

View All News Releases




Copyright © 1997 - 2016 ONLINE Information Services, Inc. All rights reserved.

ACA CARH National Apartment Association CDIA visa_image master Card Image