Log in here if you have received your password for on-line internet mortgage reports
Log in here if you have received your password for on-line internet
mortgage reports
A current, updated credit report is called a Residential
Mortgage Credit Report (RMCR).
By Federal regulation, these credit reports must have
information from at least two (2) of the three
national repositories (Experian, TU and Equifax).
The information must not be more than 3 months
old and employment must be verified. The credit
grantor requesting the report must have a signed
application authorizing the credit report. If the
credit grantor requesting the credit report is not the
lender, the Credit Bureau must contact the Borrower and
verify the Employment, Address and
marital status of the Borrower.
Many financial institutions use the RMCR for business
loans. These make very good reports for loans
to small business men and women. They provide updated
and current information on the principle
borrowers of the small business. Since many small
businesses have little or no credit with Experian
Business Reports or other business reporting services,
the RMCR is the prefect report for the owners
of small businesses.
Our Mortgage reports include the Credit Score notice, the Consumer Copy
of the credit report and a pre-populated
form 1003 at no additional charge.
You can now order and receive your merged and RMCRs over the internet.
First you need MS Internet Explorer 5.5.
Second, you must have your user name and password. If you are
not already a member, you need to sign a Service
Agreement and a request of online authorization.
When you order a report, you will get a merged report within 30 to 40
seconds. You can print it out and review it.
If you do not need anymore information or a RMCR you are done.
About the only services we won't offer are Voice Mail, a Menu phone
system or an answering machine.
When you
call us you will get someone to help you!!
If needed, you have 30 days to order a RMCR.
Fees for our Online Mortgage Reports:
| Individual | Ind. with Credit Scores | Joint | Joint with Credit Scores | |
| Single Bureau Mortgage | $ 3.00 | $ 3.65 | $ 5.00 | $ 6.30 |
| Two Bureau Merged
(Exp & TU |
$10.00 | $11.30 | $14.00 | $16.60 |
| Three Bureau Merged | $14.00 | $15.95 | $17.00 | $20.90 |
If you wish to upgrade to a RMCR, the fee is $18.00 (in addition to
the merged fee.)
TRANSFERABILITY!!
If you sell your mortgage loan, you can go to our web
site and transfer the certificate to the new owner of the mortgage.
There is no extra fee for transferring the certificate.
If you are not set up to get your Life of Loan determination
from us, CALL US TODAY. 888-852-2574.