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Functionality

MLOM AUS^TM, patent pending technology provides mortgage lenders with the most comprehensive Automated Underwriting and optimization capabilities customized for the individual lender's primary and secondary operations. MLOM AU^TM features revolutionary optimized decisioning technology capable of prioritizing multiple transaction alternatives of multiple investors simultaneously. The technology applies an innovative Artificial Intelligence to analyze and determine transaction variables and alternatives, including scenarios that do not meet standard qualification requirements. MLOM AU^TM integrates compensating factors, exception capabilities, and investor relationships in the optimized decision-making process. In addition, MLOM AU^TM provides advanced communication tools and transaction management capabilities for lenders and their wholesale originator base.

MLOM AUS^TM Functionality Highlights:

1. Optimize your entire secondary market trade desk:
   • Optimize yield for your MBS pools
   • Optimize yield & eligibility for your bulk and float acquisitions
   • Optimize yield & eligibility for your bulk and float sales
2. Instant qualification, pricing & optimization of conforming, ALT A and sub-prime transactions of multiple investors for multiple products simultaneously
3. Relationship evaluation and preferences for Primary and Secondary market variables
   • Secondary investor relationship, restrictions and preferences
   • Primary wholesale relationship, restrictions and preferences
4. Optimized waterfall and haircut reasoning for multiple decisioning levels and investor options:
   • Approval
   • Suspension
   • Referral
   • Denial
   • Pre-Approval
   • Feasibility
   • Pricing
   • Borrowers needs and preferences
   • Originators preferences and restrictions
   • Investors preferences and restrictions
   • Variable market condition reference
   • Secondary shortage reference
5. Multiple loan alternatives with comprehensive product comparison tools
6. Selection options
7. Compensating factors
8. Repairs loans that do not meet standard origination rules
9. Pricing and rate up-sell functionalities allowing special offers and respective adjustments
10. Piggyback / combo transactions
11. Instant credit worthiness decision simultaneously with every credit pull
12. Export / Import XML, MISMO, and FNMA for quick integration capabilities
13. Underwriting guidelines reports
14. Rate sheet pricing reports
15. Edit and over-ride loan decisions
16. Sales presentations
17. Communication tools for the wholesale and retail "paperless" operations:
    • Interactive delivery and receipt
    • Expert delivery and receipt
    • Summary delivery and receipt
    • Full file delivery and receipt
    • Mortgage loan reports
    • Underwriting stipulations
    • Closing and post closing requests
18. Pipeline management tools and reports
19. Bundled Services Platform for ordering, viewing, and managing loan reports and closing services
20. Network solutions

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