iscreen_output_lst_ Field Description
|
|
- Mitchell Hubbard
- 6 years ago
- Views:
Transcription
1 iscreen_output_lst_ Field Description HEADINGS All trades - # of open and current trades: AAL05 All trades - # of open trades: AAL06 All trades - Aggregate balance for open trades: AAL18 All trades - Aggregate credit for open trades: AAL19 All trades - Aggregate bal to credit ratio for open trades: AAL20 All trades - Age of oldest trade: AAL24 All trades - Age of most recent trade: AAL25 All trades - # of satisfactory trades: AAL29 All trades - # of trades opened within 12 months: AAL30 All trades - Aggregate monthly payment for open trades: AAL60 Aggregate balance to credit ratio for auto loan trades AAUNW01 Auto - # of open and current loans: AAU02 Auto - # of open loans: AAU03 Auto - # of loans opened within 12 months: AAU06 Auto - Aggregate balance for open loans: AAU08 Auto - Aggregate credit for open loans: AAU09 Auto - Age of most recent loan: AAU13 Auto - Aggregate monthly payment for open loans: AAU14 Auto - # of months remaining on open loans: AAU16 MONTHLY PAYMENT ON OLDEST OPEN AUTO LOAN AAU22 All trades currently days past due: ACD05 All trades currently days past due: ACD06 Home Equity - # of open and current loans: AEQ02 Home Equity - # of open loans: AEQ03 Home Equity - # of loans opened within 12 months: AEQ06 Home Equity - Aggregate balance of open loans: AEQ08 Home Equity - Aggregate credit of open loans: AEQ09 Home Equity - Age of most recent loan: AEQ13 Home Equity - Aggregate monthly payment of open loans: AEQ14 Home Equity - Aggregate bal to credit ratio of open loans: AEQ22 # of Major Derogatory - Includes Repossessions AHD02 All trades - # of Trades Currently 30 + Days Past Due AHD13 Months since most recent repossession AHD21 # OF TRADES CURRENTLY DPD - W/6 MOS AHI01 # OF TRADES CURRENTLY DPD - W/12 MOS AHI02 # OF TRADES CURRENTLY DPD - W/24 MOS AHI03 # OF TRADES CURRENTLY DPD - W/36 MOS AHI04 # OF TRADES CURRENTLY DPD - EVER AHI05 # OF TRADES CURRENTLY DPD - W/6 MOS AHI06 # OF TRADES CURRENTLY DPD - W/12 MOS AHI07 # OF TRADES CURRENTLY DPD - W/24 MOS AHI08 # OF TRADES CURRENTLY DPD - W/36 MOS AHI09 # OF TRADES CURRENTLY DPD - EVER AHI10 # OF TRADES CURRENTLY DPD - W/6 MOS AHI11 # OF TRADES CURRENTLY DPD - W/12 MOS AHI12
2 # OF TRADES CURRENTLY DPD - W/24 MOS AHI13 # OF TRADES CURRENTLY DPD - W/36 MOS AHI14 # OF TRADES CURRENTLY DPD - EVER AHI15 All trades days past due: (6) AHI50 All trades days past due: (12) AHI51 All trades days past due: (24) AHI52 All trades days past due: (36) AHI53 All trades days past due: (EVER) AHI54 Auto - # of open leases: ALE03 Auto - # of leases opened within 12 months: ALE06 Auto - Aggregate balance for open leases: ALE08 AGG MONTHLY PAYMENT FOR OPEN LEASES ALE14 Auto - # of months remaining on open leases: ALE16 MONTHLY PAYMENT ON OLDEST OPEN AUTO LEASE ALE21 # OF 30 DPD OCCURRENCES EVER - MORTGAGE TRADES AMGNW02 # OF 30 DPD OCCURRENCES W/I 3 MOS - MORTGAGE TRADES AMGNW03 # OF 30 DPD OCCURRENCES W/I 6 MOS - MORTGAGE TRADES AMGNW04 # OF 30 DPD OCCURRENCES W/I 12 MOS - MORTGAGE TRADES AMGNW05 # OF 60 DPD OCCURRENCES EVER - MORTGAGE TRADES AMGNW06 # OF 60 DPD OCCURRENCES W/I 3 MOS - MORTGAGE TRADES AMGNW07 # OF 60 DPD OCCURRENCES W/I 6 MOS - MORTGAGE TRADES AMGNW08 # OF 60 DPD OCCURRENCES W/I 12 MOS - MORTGAGE TRADES AMGNW09 # OF 90 DPD OCCURRENCES EVER - MORTGAGE TRADES AMGNW10 # OF 90 DPD OCCURRENCES W/I 3 MOS - MORTGAGE TRADES AMGNW11 # OF 90 DPD OCCURRENCES W/I 6 MOS - MORTGAGE TRADES AMGNW12 # OF 90 DPD OCCURRENCES W/I 12 MOS - MORTGAGE TRADES AMGNW13 # OF 120 DPD OCCURRENCES EVER - MORTGAGE TRADES AMGNW14 # OF 120 DPD OCCURRENCES W/I 3 MOS - MORTGAGE TRADES AMGNW15 # OF 120 DPD OCCURRENCES W/I 6 MOS - MORTGAGE TRADES AMGNW16 # OF 120 DPD OCCURRENCES W/I 12 MOS - MORTGAGE TRADES AMGNW17 # OF 180 DPD OCCURRENCES EVER - MORTGAGE TRADES AMGNW18 # OF 180 DPD OCCURRENCES W/I 3 MOS - MORTGAGE TRADES AMGNW19 # OF 180 DPD OCCURRENCES W/I 6 MOS - MORTGAGE TRADES AMGNW20 # OF 180 DPD OCCURRENCES W/I 12 MOS - MORTGAGE TRADES AMGNW21 Mortgage - # of open and current loans: AMG02 Mortgage - # of open loans: AMG03 Mortgage - # of loans opened within 12 months: AMG06 Mortgage - Aggregate balance of open loans: AMG08 Mortgage - Aggregate credit of open loans: AMG09 Highest Mortgage Balance AMG10 Mortgage - Age of most recent loan: AMG13 Mortgage - Aggregate monthly payment of open loans: AMG14 Mortgage - Aggregate balance to credit ratio of open loans: AMG15 Mortgage days past due: (3) AMG17 Mortgage days past due: (6) AMG18 Mortgage days past due: (12) AMG19 Mortgage days past due: (3) AMG20
3 Mortgage days past due: (6) AMG21 Mortgage days past due: (12) AMG22 Mortgage days past due: (EVER) AMG30D Highest VA Mortgage Balance AMG31 Highest VA Mortgage Credit AMG32 Highest FHA Mortgage Balance AMG33 Highest FHA Mortgage Credit AMG34 Mortgage days past due: (EVER) AMG60D Mortgage - # of Mobile Home loans: AMH01 Auto Equity Score ANEVAUEQ Public Records: (12) APRLT12 Public Records: (24) APRLT24 # of bankruptcies Ever APR001 # of bankruptcies status date <=12 APR002 # of bankruptcies status date <=24 APR003 Public Records: (EVER) APR021 Months since most recent bankruptcy APR023 Months since most recent discharged bankruptcy APR030 Revolving - # of open and current loans: ARV05 Revolving - # of open loans: ARV06 Revolving - # of loans opened within 12 months: ARV14 Revolving - Aggregate balance of open loans: ARV16 Revolving - Aggregate credit of open loans: ARV17 Revolving - Aggregate balance to credit ratio of open loans: ARV18 Revolving - Age of most recent loan: ARV23 Revolving - Aggregate monthly payment of open loans: ARV24 Student - # of open and current loans: ASL02 Student - # of open loans: ASL03 Student - # of loans opened within 12 months: ASL06 Student - Aggregate balance of open loans: ASL08 Student - Aggregate credit of open loans: ASL09 Student - Age of most recent loan: ASL13 Student - Aggregate monthly payment of open loans: ASL14 Student (Non-def) - # of open and current loans: ASL19 Student (Non-def) - # of open loans: ASL20 Student (Non-def) - # of loans opened within 12 months: ASL23 Student (Non-def) - Aggregate balance of open loans: ASL25 Student (Non-def) - Aggregate credit of open loans: ASL26 Student (Non-def) - Age of most recent loan: ASL30 Student (Non-def) - Aggregate monthly payment of open loans: ASL31 Student - Aggregate balance to credit ratio of open loans: ASL33 Student (Non-def) - Aggregate bal to crdt ratio of op loans: ASL35 Months remaining on any open loans <= 24 months CAU05 Months remaining on any open lease <= 18 months CLE05 Age (days) of most rct Bankcard trade DDT01 Age of most recent Bankcard Inquiry reported w/i 90 days DDT02 Age of most recent Student Loan DDT05
4 Age (days) of most rct Home Equity trade opened w/i 180 days DDT06 Age (days) of most rct Home Equity Inq rept w/i 90 days DDT07 Age (days) of most rct Mortgage trade opened w/i 360 days DDT08 Age (days) of most rct Mortgage Inq reported w/i 180 days DDT09 AGE (days) OF MOST Rct AUTO LOAN TRADE OPENED w/i 360 DAYS DDT15 AGE (days) OF MOST Rct AUTO LOAN INQ REPORTED W/I 90 DAYS DDT16 AGE (days) OF MOST Rct AUTO LEASE TRADE OPENED W/I 360 DAYS DDT17 Length of residence DEMO5 Homeownership statush - HOMEOWNER P - PROBABLE HOMEOWNER R - RENTER T - PROBABLE RENTER U - UNKNOWN DEMO7 Dwelling Type S=single family urban, A=apt, M=multi-family urban, R=rural, U=unknown DEMO9 Age ranges: Exact age of a consumer at any point in time based on his or her birth date. DEM02 Income ranges: Estimated income of a consumer is thousand dollars. Example, Occupation a value code: of 0210 = Professional/Technical represents $10,000. DEM08 03 = Upper Management/Executive 04 = Middle Management 05 = Sales/Marketing 06 = Clerical/Office 07 = Skilled Trade/Machine/Laborer 08 = Retired 10 = Executive/Administrator 11 = Self Employed 12 = Professional Driver 13 = Military 14 = Civil Servant 15 = Farming/Agriculture 16 = Work From Home 17 = Health Services 18 = Financial Services 20 = Business Owner 21 = Teacher/Educator 22 = Retail Sales 23 = Computer Professional 30 = Beauty 31 = Real Estate32 = Architects 33 = Interior Designers 34 = Landscape Architects 35 = Electricians 36 = Engineers 37 = Accountants/Cpa 38 = Attorneys DEM11
5 Major derogatory days past due: (EVER) Major derogatory days past due: (12) Major derogatory days past due: (24) EIRC of the chosen trade Balance of the chosen EIRC trade Monthly payment of the chosen trade Months remaining of the chosen EIRC trade Amount1 Amount2 of the chosen EIRC trade Original terms of the chosen EIRC trade Age in months of the chosen EIRC trade Primary Mortgage Balance Amount Estimated Property Value Estimated Loan to Value Estimated Equity Amount Repossessions: (EVER) Repossessions: (12) Repossessions: (24) FICO v2 Personal Finance in the Market Model Retail in the Market Model Student Loan in the Market Model Income Insight TEC Risk Model Telecom Risk Model FICO v2 Auto Vantage Score 3.0 Debt to Income Insight Bankruptcy Plus Rescaled Estimated Current Loan to Value Ratio CLTV Confidence Level Bankruptcy Plus Scorex PLUS v2 - New Accounts Vantage Score Auto in the Market Model BankCard in the Market Model Home Equity in the Market Model Mortgage in the Market Model DRG01 DRG02 DRG03 EIRC EIRC1 EIRC2 EIRC3 EIRC4 EIRC5 EIRC6 PRM01 PRM02 PRM03 PRM04 RP01 RP02 RP03 SCORE1 SCORE10 SCORE11 SCORE12 SCORE13 SCORE14 SCORE15 SCORE2 SCORE20 SCORE21 SCORE22 SCORE23 SCORE24 SCORE3 SCORE4 SCORE5 SCORE6 SCORE7 SCORE8 SCORE9
User guide. Experian Access SM. Prescreen suite iscreen SM
Experian Access SM Prescreen suite iscreen SM 2017 Experian Information Solutions, Inc. All rights reserved. Title and copyright in this document at all times belong to Experian. It shall be strictly confidential
More informationFHA Underwriting Changes. Effective for case numbers issued on and after September 14, 2015
FHA Underwriting Changes Effective for case numbers issued on and after September 14, 2015 Today s Presentation Overview of the most substantial changes to the FHA single family handbook. Not realistic
More informationGET SOCIAL WITH US. #vision2016. Tweet, follow, share throughout the session.
GET SOCIAL WITH US Tweet, follow, share throughout the session. 2015 Experian Information Solutions, Inc. All rights reserved. 1 Profitable credit card lending to the underserved market: Bringing the underserved
More informationBottom Line. What Do All of These Have in Common? 4/13/2011
4/13/2011 Department of Housing and Consumer Economics What Do All of These Have in Common? 0 Landlords 0 Utility companies 0 Employers (jobs requiring finances or security) 0 card companies 0 Lenders
More informationSteps to Homeownership
Steps to Homeownership Introduction Steps to Homeownership Learn the steps you will take to becoming a homeowner. Gain an understanding of key terms used in the homebuying process. Freddie Mac 2008 2 A
More informationDate of Application. Home Phone: Mobile Phone: Own: ( ) Rent: ( ) Monthly Rent or Mortgage Amount Date Rental Started: Reason For Leaving:
JAMES LITTLE REAL ESTATE, INC. RENTAL APPLICATION Phone: 910-892-6868 May be returned by mail: PO Box 963, Dunn, NC 28335 Fax: 910-892-2518 Email: info@jameslittlerealestate.com Fee collected: Date: Date
More informationEquifax Credit Report Personal Information Since xx/xx/xx FAD xx/xx/xx SSN Information Employment Beacon
PO Box 1386, Columbia, SC 29202 www.icscredit.com This document is provided only to assist new users in reading an Equifax Credit Report. It is not intended to be authoritative, and may not reflect the
More informationCore Seconds S Year Fixed S Due-in 15 Fixed
Last Revised: September 1, 2005 Core Seconds S070 15 Year Fixed S071 30-Due-in 15 Fixed CORE SECONDS PRODUCT DESCRIPTION Page # Product Description 3 ELIGIBILITY Occupancy 3 Documentation Requirements
More informationSECTION 8 DOWNPAYMENT ASSISTANCE PROGRAM
SECTION 8 DOWNPAYMENT ASSISTANCE PROGRAM 8.1 Qualification of Participating Lenders 8.2 Funds Availability 8.3 Eligibility 8.4 Computation of DAP Loan Amounts 8.5 Application Processing 8.6 Loan Preparation
More informationHUD Underwriting Changes
HUD Underwriting Changes For all Case # issued on/after 9/14/15 www.impacmortgage.com 9/8/15 MD 1 Goodbye to the 4155 Handbook Approximately 450 handbooks, mortgagee letters and policy statements were
More informationUnderstanding. What you need to know about the most widely used credit scores
Understanding What you need to know about the most widely used credit scores 300 850 The score lenders use. FICO Scores are the most widely used credit scores according to a recent CEB TowerGroup analyst
More informationWHOLESALE LENDING AT-A-GLANCE CREDIT
DESCRIPTION STANDARD A borrower s creditworthiness is based on past and present credit history. The credit history must demonstrate the borrower s ability and willingness to handle financial obligations.
More information2/10/2015 CREDIT FOR SUCCESS TODAY S NEW RISK FACTORS MOBILE BANKING. The new Consumer Financial Protection Act, the ATR Rule (Ability to Repay Rule)
CREDIT FOR SUCCESS TODAY S NEW RISK FACTORS Written and Presented by Serge Bevil, Credit Specialist VantagePoint Credit Corp. MOBILE BANKING We have become a social media society that wants information,
More information999 West Street, Rocky Hill, CT Phone: (860) Fax: (860) Website:
999 West Street, Rocky Hill, CT 06067-4005 Phone: (860) 721-9501 Fax: (860) 571-3550 Website: www.chfa.org Table of Contents Loan Program Outlines & Underwriting Guides......... Pages 2-7 203(k) - FHA
More informationTransUnion Credit Report. Training Guide
TransUnion Credit Report Training Guide Sample TransUnion Credit Report 1 1A This sample report is intended for education purposes. 2 2A 2B 2C The actual Credit Report you receive will be customized to
More informationRENTAL APPLICATION. Applicant Name: Home Phone:_( ) Address: Date of Birth: Social Security# - - Work Phone:_( )
RENTAL APPLICATION TO BE COMPLETED BY APPLICANT: The undersigned hereby makes application to rent unit number located at Lofts beginning on,,at a Monthly rate of $ for months. Applicant Name: Home Phone:_(
More informationWelcome! Credit Scoring and Sub-Prime Lending
Welcome! Credit Scoring and Sub-Prime Lending What is Credit Scoring? It s the use of a statistical model to objectively evaluate all the credit information available in a single repository What is a repository?
More information8/1/2004; Reported via A/R tape, but different from inquiry Last Updated Date: 3/1/2006 (13) Last Subcode:
Sample Report Is the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer. Personal
More informationResident Application
ROYAL PALM Resident Application 1. Primary Applicant Applying for homesite # Secondary Applicant Date Street City State Zip Code Birth Date: Social Security #: Drivers License #: Marital Status: How Long
More information999 West Street, Rocky Hill, CT Phone: (860) Fax: (860) Website:
999 West Street, Rocky Hill, CT 06067-4005 Phone: (860) 721-9501 Fax: (860) 571-3550 Website: www.chfa.org Table of Contents Loan Program Outlines & Underwriting Guides......... Pages 2-7 203(k) - FHA
More informationMay 17, Housing Sector Overview
May 17, 2017 Housing Sector Overview Housing Finance Policy Center May 17, 2017 AFFORDABLE HOUSING: In general, housing for which the occupant(s) is/are paying no more than 30 percent of his or her income
More informationReviewing C YouR CRedit RepoRt
ChapteR 2 Reviewing C YouR CRedit RepoRt What do your creditors have to say about the way you handle money? Having a good credit score can help you turn your home-buying dream into a reality. There s much
More informationHome Improvement Loan Application
Home Improvement Loan Application Submit your application and required documents by email, mail, or hand deliver. Email to: eotero@cityofboise.org Mail to: Boise City HCD Hand deliver: 150 N Capitol Blvd
More informationTCF Credit and Income Guidelines
Clarifications/ Changes to Policy: NO CHANGES TO THE GUIDELINES TCF Credit and Income Guidelines Updated March 1 st, 2019 Second-lien HELOC for Primary Residences and Second Homes. No investment properties
More informationLet s get started. Switch to First Southern. Switch to First Southern
Switch to First Southern Switching to First Southern is easy. This kit is designed to guide you step by step through the process of moving your account to First Southern National Bank. For assistance,
More informationMEGA ALT ARM (MA5/1)
MEGA ALT ARM (MA5/1) Product Description General Loan Production Descriptions (Asset Qualifier) Product Description Eligible Property Type Eligible States Index Term Margin/Floor/Caps Income/Employment
More informationKenneth Temkin and Neil Mayer September 19, 2013
Kenneth Temkin and Neil Mayer September 19, 2013 Methodology Results Interpreting the Results Neil Mayer and Associates 2 We used information on clients who received pre-purchase counseling from NeighborWorks
More informationA Guide to Your Credit Report
Sample for demonstration purposes only. All data is fictitious. A Guide to Your Credit Report John Sample January 20, 2018 Please Note: This packet is provided as is and is meant to give insights into
More informationA Place to Rent. 1/3 of people in the United States Single people, young married couples, and older adults Mobile lifestyles
Obtaining Housing A Place to Rent 1/3 of people in the United States Single people, young married couples, and older adults Mobile lifestyles Security Deposit A payment that ensures the owner against financial
More informationTORINO ENTERPRISES, INC. APPLICATION TO LEASE
TORINO ENTERPRISES, INC. APPLICATION TO LEASE INSTRUCTIONS TO APPLICANTS: Each intended adult occupant must fill out one Application ENTIRELY and COMPLETELY. When supplying names, give complete and full
More informationTIP: Make sure this information is correct. A wrong address or phone number could be a mistake or a sign of identity theft.
Reading a Sample Credit Report This sample report shows what kind of information might appear on your own credit report, also called a consumer disclosure statement, from the 3 major Credit Reporting Agencies
More informationOSM Co-Borrower Loan Application Student Name:
OSM Co-Borrower Loan Application Student Name: Co-borrower Information - Please print clearly in black ink. Last Name First Name Relationship to Student Spouse Parent Other Social Security # Date of Birth
More informationThe changing face of installment lending
The changing face of installment lending Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned
More informationFinancial. Assessment
Financial Assessment What is a financial assessment? Effective in April 2015, the FHA began requiring borrowers to pass a financial assessment prior to obtaining the reverse mortgage. The goal of the financial
More informationFHLMC PROGRAM LINEUP`
FHLMC PROGRAM LINEUP` Table of Contents Conventional Conforming (fixed & ARM)... 2 Super Conforming Fixed Rate... 5 Super Conforming ARM... 7 Home Possible... 11 Open Access... 16 HomeOne... 18 www.mcfunding.com
More informationDollars of Lines Originated (Billions) Dollars of Lines Originated Billions)
Lending Trends Crissy Wallace Lead Analytics Consultant 1 Experian Agenda Macroeconomic Trends Auto Trends Mortgage Trends Personal Loan Trends Student Loan Trends Alternative Data 2 Experian 1 Since the
More information5/1 ARM 1 ; 7/1 or 10/1 ARM 2 Must exceed Conforming Standard and High Balance Limit for State/County %/40% 80%* 80%* $2,000,000 1
Conventional Jumbo Loan Program The Conventional Jumbo Loan program can be used to provide financing options for Primary Residences with jumbo loan amounts in excess of Conventional High-Balance limits.
More informationConsumer Credit Conditions June 2016
Consumer Credit Conditions June Prepared by the Federal Reserve Bank of Dallas Community Development Consumer Credit Conditions, June : Auto and Retail Loans Blemish Improved Delinquency Report The Consumer
More informationCore Seconds S Year Fixed S Year Fixed
TABLE OF CONTENTS PRODUCT DESCRIPTION Page # Product Description 3 ELIGIBILITY Occupancy 3 Underwriting Methods 3 Documentation Requirements 3 Transaction Types 3 Eligible Property Types, Ineligible Property
More information13.1. Reading a Credit Report EXERCISE. THEME 4 Lesson 13: Applying for Credit NAME: CLASS PERIOD:
13.1 NAME: CLASS PERIOD: Reading a Credit Report Your ability to qualify for a loan depends on a credit report. A credit report is a record of an individual s personal credit history. It is probably a
More informationbhchomes Turning the dream of home ownership into reality.
bhchomes Turning the dream of home ownership into reality. Thank you for inquiring about Better Housing Coalition (BHC) Homes. BHC Homes are built with the highest quality materials to last our homeowner
More informationTo collect on a delinquent account, you need to locate the debtor. That s. why the Collection Report from Experian provides the credit and locator
Collection Report The way to maximize your recovery dollars To collect on a delinquent account, you need to locate the debtor. That s why the Collection Report from Experian provides the credit and locator
More informationSingle Family Housing Guaranteed Loan Program Quick Reference
Single Family Housing Guaranteed Loan Program Quick Reference Topic 7 CFR 3555 HB-1-3555 7 CFR Part 3555 Appendix 1 A Abandoned or Vacant Property 3555.302 19.2 A Account Acceleration 3555.306 18.6 Acceptable
More informationHOUSEHOLD DEBT AND CREDIT
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT November 21 FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS MICROECONOMIC AND REGIONAL STUDIES Household Debt and Credit Developments in 21Q3 1 Aggregate
More informationUnderstanding Credit Reports
1.4.2.A1 Understanding Credit Reports Name Total Points Earned 40 Total Points Possible Percentage Date Directions: Complete the following questions during the PowerPoint presentation. 1. What is a credit
More information65 E. Wacker Place Suite 1405, Chicago, IL Ph: Fax: Credit 101
65 E. Wacker Place Suite 1405, Chicago, IL 60601 Ph: 888.895.5145 Fax: 888.895.5146 Credit 101 The subject of credit and what is included on a consumer s credit report can be a source of much debate, confusion
More informationCity of Gastonia s Affordable Housing Program Homebuyer s Assistance Program
City of Gastonia s Affordable Housing Program Homebuyer s Assistance Program The program s objective is to provide funds for modest income families for downpayment and closing cost to purchase a home by
More informationQ Industry Insights Report
Q1 2016 Industry Insights Report U.S. Financial Services Nidhi Verma Director, Research and Consulting TransUnion In this session, we will review industry trends for major lending products with respect
More informationKacey B. Flanery. Dear Interested Applicant,
Dear Interested Applicant, Thank you so much for your interest in the City of Ponca City s Homebuyer Assistance Program. Attached you will find a program overview, application and other important information
More informationStudent Loan Borrowing and Repayment Trends, 2015 Cleveland Fed 2015 Policy Summit
Student Loan Borrowing and Repayment Trends, 2015 Cleveland Fed 2015 Policy Summit June 18, 2015 Andrew Haughwout, Research Group The views presented here are those of the authors and do not necessarily
More informationConforming Balance. Loan Purpose Minimum FICO Units Max LTV Max CLTV Loan Purpose Minimum FICO Units Max LTV Max CLTV
Fannie Mae Program Conforming Balance 1 to 4 Financed Properties (See 5 to 10 Financed Properties on Page 5) Summary Product Types 30yr, 25yr, 15yr and 10yr Fixed 5/1 & 7/1 ARMs For Conforming Loan Amounts,
More informationWesLend Advantage Non-QM ITIN
SECTION 1: MATRIX: Highlight: Uses the borrowers Individual Taxpayer Identification Number, (ITIN) in lieu of a Social Security number Credit Scores NOT Required Credit Report is pulled with every ITIN
More informationYour Credit. Objectives. An Introduction to Personal Credit. By the end of this presentation you will have a understanding of: 1/19/2016.
Your Credit An Introduction to Personal Credit Objectives By the end of this presentation you will have a understanding of: Credit Score Where can I find it? What is it? How do I get it? Advantages of
More informationPERSONAL INFORMATION
Please complete all requested information on the front and back of this form. Thank you for your interest in our apartments. of Application Desired of Occupancy Type and Size of Apartment Wanted (No. of
More informationHigh LTV Lending Conference
High LTV Lending Conference Eric Belsky May 213 Chapel Hill, NC Homeownership Has Mattered Profoundly to Wealth Accumulation Even After Crude Control for Income 12 Median Net Worth of Middle Income Quintile
More informationPremium Jumbo Fixed & 10/1 ARM
Last Update 11/29/2017 Primary (Purchase & Rate/Term NO MI OPTION) Primary (Purchase) Primary (Rate/Term Ref.) Loan Amt LTV/CLTV Min Fico DTI Reserves Loan Amt LTV/CLTV Min Fico DTI Reserves Loan Amt LTV/CLTV
More informationves a rue re i Credit Scoring: How it Works and How You Can Improve Your Score What Is Credit Scoring?
ves a Credit Scoring: How it Works and How You Can Improve Your Score rue re i Congratulations! By reading this publication you' ve taken the first step towards understanding and improving your credit
More informationExploring specialty finance data
Exploring specialty finance data Introducing: John Lodmell Advance America Paul DeSaulniers Experian Crissy Wallace Experian Contents CFPB proposal Data analysis Business impact and the market ahead 3
More informationTRANS UNION OF CANADA Consumer Credit Report 16OCT98
Page 1 of 6 TRANS UNION OF CANADA Consumer Credit Report 16OCT98 1 Surname Given Name(s) Soc. Ins. No. Birth Subject CONSUMER JOHN/B 11OCT61 Spouse CONSUMER JEANNE/ 22JAN63 X-Ref AKA CONSUMER JOHN ROBERT/
More informationA new highly predictive FICO Score for an uncertain world
A new highly predictive FICO Score for an uncertain world Lenders gain a 5% 15% predictive boost to manage business and control losses Number 12 January 2009 As delinquency levels increase and consumer
More informationPremium Jumbo 7/1 & 5/1 ARM
Premium Jumbo 7/1 & 5/1 ARM Program Codes: PJ 7/1 & PJ 5/1 ARM Purchase and Rate/Term Refinance Primary (Purchase) Primary (Rate/Term Ref.) Max Loan Amt Max LTV/CLTV Min Fico DTI Reserves Max Loan Amt
More informationUNDERSTANDING YOUR CREDIT REPORT & YOUR CREDIT SCORE
UNDERSTANDING YOUR CREDIT REPORT & YOUR CREDIT SCORE Presented By: Tom Painter Chief Lending Officer WHAT IS A CREDIT SCORE? A credit score is a number that summarizes your credit risk, based on a snapshot
More informationWhat amount of money do you feel you need to save, in conjunction with pensions and social security, to reach the above monthly income?
OVERVIEW QUESTIONS/OBJECTIVES What are your primary goals and objectives financially in order of priority? What are your financial fears? What are your non-financial concerns, goals, risks, objectives,
More informationAssistance Program: City of Los Angeles Low Income Purchase Assistance Program (LIPA) Zero Interest Code: DCALIPADP
HOMEOWNERSHIP ASSISTANCE PROGRAM SUMMARY Product Description Allowable Origination Channel Program Name Second mortgage loan program to be used in conjunction with: FHA Fixed Rate Fannie Mae Fixed 30-year
More informationE. Michael Vereen, III Consultation Form Phone Fax APPLICANT INFORMATION
E. Michael Vereen, III Consultation Form Phone 770-345-9449 Fax 770-345-9425 Email mvparalegal@vereenlaw.com vereenlaw@live.com Need to file your case TODAY? Here is what you will need: 1. Paystubs for
More informationTCF HELOCs. Combined 1 CLTV
TCF HELOCs MiMutual works directly with TCF to be able to offer simultaneous secondary financing in the form of a HELOC. These are not permitted to be submitted through the correspondent channel they must
More informationPennyMac Correspondent Group Open Access
PennyMac Correspondent Group Open Access 01.18.18 Overlays to Freddie Mac are underlined The new loan must have an application date on or before December 31, 2018. Mortgage Product Program Eligibility
More informationREAL ESTATE DICTIONARY
Adjustable-rate mortgage (ARM) -- Home loan in which the interest rate is changed periodically based on a standard financial index. Most ARMs have caps on how much an interest rate may increase. Amortization
More informationFact, Fiction & FICOs: Presented by: Vance Edwards, CMB Certified FICO Professional MGIC Marketing Program Director
Fact, Fiction & FICOs: Presented by: Vance Edwards, CMB Certified FICO Professional MGIC Marketing Program Director Agenda What makes up a credit score (and what doesn t) What causes that score to move
More informationPresented by Ed Swanson Lending Solutions Consulting, Inc.
Presented by Ed Swanson Lending Solutions Consulting, Inc. Credit Bureau 101 When to pull a credit report Components of a credit report Key elements on the credit report 2 When to Pull a Credit Report
More informationCITY OF SAN DIEGO 3% INTEREST DEFERRED LOAN PROGRAM GUIDELINES
CITY OF SAN DIEGO 3% INTEREST DEFERRED LOAN PROGRAM GUIDELINES Program Overview: BUYERS EARNING 80% OR LESS OF AREA MEDIAN INCOME (AMI) The 3% Interest Deferred Loan Program is a homeownership program
More informationBusiness Owner Profile
Business Owner Profile Make sound credit decisions about small business owners Extending credit to small businesses can be risky. Don t take chances. Use Experian s Business Owner Profile and extend credit
More informationKeeping Finances Under Control. How to Manage Debt so it Doesn t Manage You
Keeping Finances Under Control How to Manage Debt so it Doesn t Manage You Seminar Objectives What is DEBT? What are the types of debt? What is good debt? What is bad debt? What are the benefits and costs?
More informationYour Guide To Better Credit
Your Guide To Better Credit INTRODUCTION Your go-to guide to better credit It seems like every other commercial on television touts some sort of offer around credit. You hear things like, Free credit report,
More informationSTEPS to getting an affordable home loan
4 STEPS to getting an affordable home loan 1 www.idahohousing.com 1 Start the process by finding a lender. Before you start house hunting, it s a good idea to pre-qualify for financing so you can be certain
More informationUser guide. Collection Advantage SM. via Access
Collection Advantage SM via Access 2017 Experian Information Solutions, Inc. All rights reserved. Title and copyright in this document at all times belong to Experian. It shall be kept strictly confidential
More informationFinancial Readiness. Contents
Financial Readiness Contents 8 Steps to Getting Your Finances in Order... 2 Budget Worksheet... 3 8 Strategies to Improve Your Credit... 4 5 Factors That Decide Your Credit Score... 5 10 Steps to Prepare
More informationUsing Credit. services but do not require payments in full when the service is performed.
Using Credit How would you like to pay for this, cash or charge? Chances are you have heard this question asked. Cash or charge? is really asking you, the buyer, if you want to use the cash or the money
More informationPRELIMINARY AND INCOMPLETE: PLEASE DO NOT CITE WITHOUT PERMISSION
PRELIMINARY AND INCOMPLETE: PLEASE DO NOT CITE WITHOUT PERMISSION The Financial Crisis at the Kitchen Table: Recent Trends in Household Debt and Credit By Meta Brown, Andrew Haughwout, Donghoon Lee and
More informationBerkshire Hathaway HomeServices. California Properties
Berkshire Hathaway HomeServices California Properties COMMITMENT OF SERVICE Of I understand that buying a home is a major decision for you that can be filled with apprehension and concern. My job is to
More informationPRODUCT GUIDELINES USDA PROGRAM PURCHASE & RATE/TERM REFINANCE PRIMARY RESIDENCE. Revised 10/1/ % / 100% Excluding USDA
PURCHASE & RATE/TERM REFINANCE PRIMARY RESIDENCE Maximum LTV/CLTV* Max Loan Amount Min FICO Max Ratios 100% / 100% Excluding USDA 620 Per GUS** Determined by qualifying ratios and county maximum income
More informationDelaware State Housing Authority. Homeownership Loan Programs Lender Training
Delaware State Housing Authority Homeownership Loan Programs Lender Training DSHA is committed to follow all aspects of the Fair Housing Act in our efforts to promote responsible homeownership and obtaining
More informationFHA Standard Product Guidelines
Min Max DTI Max Loan Occupancy Credit Ratio Amount CONFORMING & HIGH BALANCE Transaction Type Max LTV Purchase 96.5%* Max CLTV Mortgage Rating 96.50% PER AUS*** Primary Residence 580 Per AUS Rate/Term
More informationFHA Standard Product Guidelines
Min Max DTI Max Loan Occupancy Credit Ratio Amount CONFORMING & HIGH BALANCE Transaction Type Max LTV Max CLTV Mortgage Rating Purchase 96.5%* 96.50% PER AUS*** Primary Residence 580 Per AUS Rate/Term
More informationAffordable Homeownership
Housing and Human Services Division Affordable Homeownership Program Guidelines The City s Affordable Homeownership Program (also referred to as the Inclusionary Housing Program) provides homeownership
More informationGW Rental Management LLC *Please read before filling out rental application*
GW Rental Management LLC *Please read before filling out rental application* Make sure the following three (3) items accompany your rental application or application will not be processed. Application
More informationWHEN FILLING OUT THE APPLICATION: All information must be complete and signed by each applicant. The non-refundable application fee is $20.
WHEN FILLING OUT THE APPLICATION: All information must be complete and signed by each applicant. The non-refundable application fee is $20.00 per person. Processing will not begin until the application
More information12/14/2015. What it is
The topics of this class apply to the underwriting of FHA Title II Forward mortgages for the purchase or non-streamline refinance of 1-4 unit Single Family Residences. This information correlates to FHA
More informationGet educated A study in the student lending marketplace
Get educated A study in the student lending marketplace Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names
More informationBusiness Loan Application Package
Business Loan Application Package The items listed below are being requested in addition to the enclosed forms 2 Years Personal Tax Returns Business Financials Interim 2 Years Business Tax Returns Copy
More informationWHOLESALE Non-Agency Jumbo Fixed and ARM Fixed: T Year fixed rate, T Year fixed rate ARM: A500-5/1 ARM. A522-7/1 ARM and A527-10/1 ARM
Transaction Type Units Min-Maximum Loan Amt. Non-Agency Fixed and ARM Jumbo Matrix 1 WHOLESALE BUSINESS CHANNEL ONLY Maximum Min. LTV 3 FICO Min.# Mos. Verified PITIA Maximum DTI Maximum Cash Out 4 1 Primary
More informationVA FULLY AMORTIZING FIXED, HIGH BALANCE & JUMBO PROGRAM
VA FULLY AMORTIZING FIXED, HIGH BALANCE & JUMBO PROGRAM PROGRAM SPECIFICATIONS Description A mortgage loan program established by the United States Department of Veterans Affairs to help veterans and their
More informationVA FULLY AMORTIZING FIXED, HIGH BALANCE & JUMBO PROGRAM
VA FULLY AMORTIZING FIXED, HIGH BALANCE & JUMBO PROGRAM PROGRAM SPECIFICATIONS Description A mortgage loan program established by the United States Department of Veterans Affairs to help veterans and their
More informationScore generated using a foreign data score of 756 provided by CRIF High Mark. More details below. The risk pro le of this applicant is low
Name: Diya Puja Date of Birth: February 6th, 1976 Email: Diya@neednova.com Date Generated: April 19th, 2018 743 Score generated using a foreign data score of 756 provided by CRIF High Mark More details
More informationDefine USDA products and features Introduce Planet Home Lending s USDA product offerings Learn how to determine property and borrower eligibility
Define USDA products and features Introduce Planet Home Lending s USDA product offerings Learn how to determine property and borrower eligibility Review credit, income, asset and appraisal guidelines Tips
More informationHome Possible Conforming Fixed
Home Possible Conforming Fixed Home Possible Matrix with Mortgage Insurance Guideline Overlays: PURCHASE & RATE TERM REFINANCE Occupancy Units FICO/Score LP LTV/CLTV Primary Residence 1 620 97/97 Primary
More informationCONFORMING HIGH BALANCE FIXED PROGRAM HIGHLIGHTS
Program Summary A Conforming High Balance Conventional loan with increased loan size limits, featuring a 30-year and 15-year fixed interest rate for the term of the loan. Loan Term & Program Category Loan
More informationUSDA Standard Product Guidelines
Min Max DTI Max Loan Occupancy Credit Ratio Amount CONFORMING & HIGH BALANCE Transaction Type Max LTV Max CLTV Mortgage Rating Purchase 100%** 100% 0x30 for 12 mos prior to application date*** Based on
More informationThe Trans Union Credit Report Training Guide
The Trans Union Credit Report Training Guide TRANS UNION Credit Report 1 1A 2 3 4 5 GOi duncan,elizabeth*2 9932,woodbine,chicago,il,60693*3 555,e,jackson,st,cleveland,oh,44123*5 002-02-2222** TRANS UNION
More informationHOUSEHOLD DEBT AND CREDIT
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 212 Q4 1 Aggregate consumer
More information