Credit Reports

Joint or individual; merged reports, Real time web-based credit reports, Tax Return Verification, Verification of Employment and Verification of Income

Flood Determinations

New Vista works with the leading national flood providers who have digital databases that contain the flood zone status of more than 150 million properties within the United States, Puerto Rico and the U.S. Virgin Islands. Using this information, the flood providers return an average of 90 percent of flood zone determinations within seconds. If a determination is not an automatic hit, manual research orders are returned within 24 hours.

Basic Determination
Identifies the flood zone, community number, map and panel number, community participation information, insurance availability, map date and entry-date.

Life-Of-Loan Determination
This is a basic determination plus map change tracking with follow-up determinations for the life of the loan. If a map change or community status change occurs on the property, we will notify you of any change within sixty (60) days. Finally, life of loan service is fully transferable should the loan be sold or transferred.

Commercial Flood Determination
We provide Life of Loan determinations for commercial properties that include the community name and number, panel-suffix, map date, base flood elevation for the Flood Insurance Rate Maps and community participation status.

Census Information/HMDA
Provides the census tract, MSA (Metropolitan Statistical Area), state code and county code when requested.

Life of Loan Compliance
We also provides Life of Loan compliance monitoring of the flood zone status on all loans in a lender’s portfolio. This service ensures compliance with regulatory and lender requirements since special flood hazard areas may change. We also update their database to include loan servicing changes. If a FEMA map change affects insurability, we provide a new determination within 60 days of the change’s effective date.

Traditional Residential Appraisals

Interagency compliant standard GSE appraisal forms, utilizing top national appraisal management companies in the country. All appraisals receive QC, UCDP upload available

Traditional Residential Appraisal Firewall
Appraisal Firewall is a UCDP Lender Agent that can send UAD-compliant appraisals to the UCDP on behalf of lenders. The Appraisal Firewall is a secure, online appraisal routing and communications technology tool that lets lenders keep their established relationships by helping them stay compliant with the Interagency Appraisal and Evaluation Guidelines. With the Appraisal Firewall, lenders can choose to continue to work with their established appraiser panels, or they can order appraisals from a third party AMC (Appraisal Management Company). The Firewall also contains more than 15,000 appraisers across the nation if coverage outside of your current appraisers’ footprint is needed.

Compliance & QC Products

REALview™
REALview™ is an automated, transparent appraisal review tool that processes and analyzes appraisals for compliance, completeness, currency and consistency helping you to manage your quality control processes. REALview™ allows mortgage lenders, servicers, appraisal management companies, and due diligence organizations to review and QC appraisals with an objective and consistent approach that takes the guesswork out of the appraisal review process. REALview™ can reduce the review process time by as much as 60% which will save time and money and increase profitability. Moreover, loan repurchases will be less likely due to the reduction in errors associated with the appraisal.

Compliance Analyzer
Nationwide proliferation of anti-predatory/high-cost laws and ever-changing state consumer lending regulations have caused mortgage lenders and banks to shift their regulatory compliance focus from traditional sampling and manual reviews to a pre-close, automated, transaction-level approach. ComplianceAnalyzer® is an industry-leading enterprise-based solution that provides comprehensive yet cost-effective automated compliance auditing to over 250 satisfied institutions, service providers and regulators in the residential mortgage industry.

RESPA Auditor
The 2010 RESPA amendments created new compliance challenges for lenders trying to get control of fees, disclosures, and changed circumstances policies. As lenders struggle to ensure that originators deliver accurate disclosures, Compliance Ease’s loan data shows that the industry continues to violate HUD-1 fee tolerances on almost 20% of audited loans, costing an average of $1000 in reimbursements for each of those loans, due to incorrect GFEs. RESPA Auditor™ is an entirely web-based RESPA compliance solution that reduces the costs and simplifies the challenges of staying RESPA compliant by centralizing RESPA workflow, controlling revised GFEs and changed circumstances, automating fee tolerance audits, and providing reports that pinpoint violations from application to closing and beyond

HMDA Analyzer
Running a successful residential lending business today means that operations will continually grow more complex, while regulatory scrutiny increases accordingly. Yesterday's desktop and client/server HMDA software may have worked fine when the pace of change was slower; but in today's environment, maintaining these legacy systems imposes significant ongoing costs and increases the risk of missing or inaccurate data when systems can't adapt quickly enough.

Tax Searches

Partial or a fully outsourced tax services designed specifically to protect your real estate assets. Whether you need a one-time detailed analysis report for a property believed to be in delinquency status, or you have an entire portfolio of loans that require professional management, our process driven approach delivers the best and most efficient method for identifying and reporting real estate tax delinquencies

Employment & Income Verifications

4506xpress™
Use Form 4506-T to Verify Borrower Income Quickly and Easily
In today's consumer lending market, lenders and investors are moving quickly towards requiring income verification and IRS tax transcripts for every loan. To meet these increasing demands our solutions have reinvented income verification, building 4506xpress™ from the ground up to be the industry's most accurate and most cost-effective solution by using unique automation technology and focusing on streamlining workflow

SSNxpress™
In today's consumer lending market, lenders must combat fraud by knowing the identities of each borrower according to requirements by the GSEs as well as other investors and insurers. The only way to quickly ensure that each borrower's Social Security Number matches his or her name is to go directly to the source. SSNxpress™ verifies Social Security Numbers directly with the Social Security Administration (SSA) quickly and easily, helping financial institutions mitigate the risk of identity fraud and ensure that investor and regulatory requirements are met.

Residential Recordation

New Vista Recording offers a centralized operation for the tracking and coordination of all recordable data and includes customized reports.

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