The market for computerized and automated solutions that support the mortgage origination business is diverse and fragmented. There are numerous companies that provide computerized services ranging from high-cost Automated Underwriting systems to others that provide services and information to complete the lending process. However, MLOM^TM technologies are the only systems today that are capable of performing the following full set of features:

• Universal decisioning with conforming, ALT A and sub-prime underwriting capabilities of multiple products (paper types) for multiple lenders. MLOM^TM technologies are capable to underwrite and optimize conforming transactions as well as sub-prime transactions simultaneously
• Optimizing transactions based on:

1. Originator's preferences and restrictions, including the various relationship types with individual lenders
2. Borrower's preferences and needs
3. Lender's preferences and restrictions

• Originator-borrower-lender-primary-secondary relationships
• Universal pricing for all programs for any paper type simultaneously
• Multiple qualified and optimized loan alternatives for each unique scenario
• Simulate scenarios
• Repair transactions
• Allows for exception
• Permits compensating factors
• Edits loan decision recommendations
• Advanced communication channels for wholesale lenders, brokers, and correspondents
• Universal transaction submission technology
• LTS, Loan Traffic Statistics of qualified loan transactions
• Interactive information gathering tools
• Automatic credit decision instantaneously with every credit pull
• Sales presentations

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