 |  | Borrower Portal
Emphasys Borrower Portal allows borrowers to access account details including loan balances, payment due dates, payment history, and monthly statements. Borrowers can also view or change personal details on the loan account, calculate new amortization schedules with pre-payments, and much more. They will have quick access to their loan information 24 hours a day/seven days a week without the added expense of additional staff.
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| | e-MortgageDocs
As an add-on feature of Lender Online, the e-MortgageDocs Module allows lenders to submit all required documentation online. In turn, the housing authority can track the completion of loan packages without having to print mounds of paper, get an accurate account of when documents were actually submitted, and provide more immediate and accurate communication to the lender based on available information in the system. Major highlights of the new module include 1003 imports into Lender Online reservation page; 1003 capture of all data for future reporting by the HFA; upload of pre-scanned images and other documents; review of existing images and documents from Lender Online and Loan Tracking; and lender notification to HFA when the file is ready for review.
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| | Executive Portal (HFA)
Emphasys HFA Executive Portal can help housing authority executives pinpoint inefficiencies and identify areas of improvement within their organization. It does this by measuring, tracking and reporting on key indicators. The Portal quickly tracks important information, displays relevant housing indicators, is presented in a user friendly format, and alerts you to benchmarks set by your agency.
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| | Foreclosure & REO Control
The AOD/FR System is designed to aid housing finance authorities to process delinquent loans from advance claim payments through final disposition of the property if it should become real estate owned (REO).
The system works in conjunction with the AOD/SF Single Family Portfolio Management System and will generate the necessary entries for interface with the ALICE/GL Loan Tracking System.
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| | Lender Online
Receiving reservations from your lenders has never been easier when you utilize AOD/LOL-Lender Online System.
Lender Online (LOL) was developed to be easily integrated with AOD/LT Loan Tracking Software. Lenders can enter reservations, check the status of loans, download reports, read bulletins, check allocation status, and more, via the Web.
AOD/LOL will validate reservations for program and IRS compliance and issue reservation numbers to the lenders, while they are on-line. Approved reservations are automatically downloaded into AOD/LT, ready for the next step in your approval process.
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| | Loan Servicing
AOD/SV is a full function mortgage loan servicing package that can work in standalone mode or integrated with other AOD software modules, such as the AOD/GL Certification Online and the AOD/SF Single Family Portfolio Management systems.
AOD/SV maintains wholly owned and GNMA mortgage pools by investor for any combination of first or second mortgage types, such as fixed, graduated payment, variable, adjustable rate and buydowns and handles a variety of payment frequencies.
The system provides daily transaction processing capabilities and contains full escrow accounting functions. AOD/SV can be setup to service both Singe Family and Multifamily loans.
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| | Loan Tracking
AOD/LT Loan Tracking System works with AOD/LOL Lender Online, AOD/SF Mortgage Portfolio and AOD/UW Underwriting Systems to provide housing finance agencies the tools required to monitor and control loan originations for MRB and MCC programs.
This system tracks loan applications through purchase with up to 18 user defined stages to monitor originator performance. AOD/LT provides housing finance agencies the capability to establish various levels of fund allocations, and track target and non-target areas separately for new and existing construction. As loan records are processed through the system, AOD/LT will automatically reduce the appropriate allocation, so that you can always obtain up to date information on your original and revised allocation.
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| | Loan Underwriting
AOD/UW Loan Underwriting System works with AOD/LOL Lender Online, AOD/SF Mortgage Portfolio and AOD/LT Loan Tracking Systems to provide housing finance agencies the tools required to monitor and control loan originations for MRB and MCC programs.
Underwriting is monitored under AOD/LT to insure that all underwriting requirements have been successfully met before loans are funded. AOD/UW lets you define the debt and payment ratio limits for each program and type of loan.
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| | Pre-Qualification Portal
Emphasys Pre-Qualification Portal equips housing agencies like yours with a system designed with your consumers in mind. By providing a system that you customize to the needs of a particular resident sector, you can create a complete, one-stop portal to guide home buyers throughout the entire
homeownership process. With an online service available to them anytime of the day and even on weekends, consumers at their own convenience can minimize those silent paralyzing queries and actually find out if they qualify for one of your loan programs.
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| | Single Family Portfolio Management
AOD/SF is an exception based reporting system that tracks loans through maturity, payoff or foreclosure. Each processing cycle, the system generates billing statements and trial balances to your servicers, and the servicers can send a report on exceptions electronically to AOD/SF.
AOD/SF can integrate with Loan Tracking, Underwriting, Foreclosure & REO and the Lender On-line Systems or work in a standalone mode. AOD/SF is maintained to comply with all federal regulatory guidelines and addresses Recapture Tax provisions for new and assumed loans, generates Qualified Bond Information Reports to the IRS and contains civil relief processing features.
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