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What good is having the best products-

IF NOBODY CAN FIND THEM?

LET'S FIND THE PERFECT PROGRAM TOGETHER
  What do you plan to use for income documentation purposes?
12 Months Bank Statements
Anchor 1
  How long has it been since a Major Credit Event?
 

"Major Credit Event" is defined as a Bankruptcy, Foreclosure, or Short Sale.  

60-83 mos
24-35 mos
12-23 mos
36-47 mos
<12 mos
48-59 Mtg1
  What is the client's mortgage rating over the last 12 months?
 

0x30 meaning that no mortgage payments were 30 days late in the last 12 months.  1x30 means 1 payment was 30 days late in the last 12 months.   0x60 means that the number of payments 30 days late doesn't matter, as long as none were 60 days late.   1x90 means that there can be unlimited payments 30 or 60 days late as long as no more than 1 was more than 90 days late.  

0x30
1x30
1x90
0x60
1x120
Worse
Anchor 3
48-59 FICO;2x30
  What is the credit score for decision making?
 

740+
720-739
700-719
660-679
640-569
620-639
580-599
540-559
<520
<520
48-59 FICO;1x60
  What is the credit score for decision making?
 

740+
660-679
580-599
720-739
640-569
540-559
700-719
620-639
680-699
640-659
<520
Anchor 6
Anchor 7
Anchor 8
Anchor 9
Anchor 10
Anchor 11
Anchor 12
45-59;1x60;520;2500+
  Options
 

Mini-Matrix View

List View

And we can make as many view styles as we like.  

Because they are not reports at all.   They are merely shells, that report data from cells in our database.   

The buttons we were clicking along the way, were simply building a query (filter) that would put data into these shells.  For example, it might be

Show all programs where:

       Field 2 (Doc type)= "Full"   and    Field 11 (FICO) is 520-539   and

       Field 64 (max mtg rating) <= 1x60    and    Field 84 (mos since MCE)>= 84

       and   Field 117 (max open derog) is >=2500

       then sort by Field 7 (max LTV 1) then by Field 8 (max LTV2)

 

Anchor 14
48-59;2x30;600;2500+
  Options
 

Mini-Matrix View

List View

And we can make as many view styles as we like.  

Because they are not reports at all.   They are merely shells, that report data from cells in our database.   

The buttons we were clicking along the way, were simply building a query (filter) that would put data into these shells.  For example, it might be

Show all programs where:

       Field 2 (Doc type)= Full   and    Field 11 (FICO) is 600-619   and

       Field 64 (max mtg rating) <= 2x30    and    Field 84 (mos since MCE)48-59

       and   Field 117 (max open derog) is >= 2500

       then sort by Field 7 (max LTV 1) then by Field 8 (max LTV2)

 

Open:48-59;1x60;520
  How much does the client have in open derogatory credit items?
 

Derogatory consumer credit items would include collections, charge-offs, liens, and judgments. 

< $2500
Open;2x30;600
  How much does the client have in open derogatory credit items?
 

Derogatory consumer credit items would include collections, charge-offs, liens, and judgments. 

< $2500
Open;2x30;680
  How much does the client have in open derogatory credit items?
 

Derogatory consumer credit items would include collections, charge-offs, liens, and judgments. 

>= $2500
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