Just a Score
Our commitment to passionate service, innovative products and superior technology creates a more profitable and efficient lending environment for our clients. With customized mortgage solutions from lead generation to securitization, we help you be more efficient, more effective, and more profitable.
Innovative Mortgage Lending Solutions & Leading Technology
ANYWHERE, ANYTIME CUSTOMER RETENTION & LEAD GENERATION
Close more loans and build better relationships with seamless borrower monitoring.
Cascade Alerts monitors your current customers and past clients – NO FIRM OFFER OF CREDIT REQUIRED— and delivers proactive borrower insights when a customer is in the market for a new loan or shopping with a competitor. With customizable filtering for eligibility, reporting and analysis, and alert delivery (SMS, email, CRM integration, and more), this compliant, cost-effective solution pays for itself by keeping your most valuable borrowers coming back to you, improving bottom-line results.
DATA-DRIVEN INSIGHTS FOR FASTER, SIMPLIFIED PREQUALIFICATION
Simplify the prequalification process, evaluate your applicants’ creditworthiness, and quickly turn leads into loyal customers.
Cascade Prequal simplifies the prequalification process with automated report selection – choosing a one, two or all three-bureau soft pull based on your credit thresholds. With a consistent, streamlined process, Cascade Prequal turns prospects into loyal customers by giving you the opportunity to explain their loan options up front – without triggering competitor monitoring or alerts! So you spend less time worrying and more time helping borrowers move closer to their dreams.
AUTOMATED, ONE-TIME ORDERING FOR MULTI-VENDOR VERIFICATION OF EMPLOYMENT
Streamline your VOE processes and eliminate the hassles and inconsistencies of manual verifications.
Cascade VOE uses a multi-level, automated vendor flow to significantly increase the hit rate over manual verifications. This unique solution employs a rules-based engine to control the flow of vendor ordering, providing consistency and allowing you to cut processing time while maintaining loan quality. With a set it and forget it model, Cascade VOE does the work, and notifies you when your VOE is complete – freeing you up to focus on finalizing that “clear to close”!
BLIND SPOT PROTECTION FROM ORIGINAL CREDIT PULL TO LOAN CLOSING
Get the intel you need to prevent surprises at closing and lost deals.
Cascade Undisclosed Debt Monitoring (UDN) monitors borrowers from the original credit pull to loan closing and delivers alerts on any new activity that has the potential to derail the loan process. With comprehensive, easy to understand reporting delivered via email or directly to your CRM, you can prevent costly repurchase demands and avoid last-minute issues at closing that can lead to loan fallout.
COMPREHENSIVE DATA & ANALYTICS TO EXPLORE THE MORE BEHIND THE SCORE
Start with the data that drives the decisions to help make home ownership a reality for your customers.
Tri-merge credit reporting and analytics empowers you to make decisions with confidence. Our hassle-free ordering options allow you to use the method that's right for your operation. With custom formatting available and add-ons that deliver more granular detail according to your risk tolerance, tri-merge credit reports offer a comprehensive look at your borrower's credit history and enhance decision making, reduce risk, and improve profitability.
Fraud & Risk Mitigation
ANALYTICS & INSIGHTS YOU NEED TO SPOT AND PREVENT FRAUD BEFORE IT'S TOO LATE.
Start preventing fraud & risk from taking a bite out of your profitability.
From comprehensive, investor-approved ADV-120 Fraud Reports to Flex ID Smart Select Shield to Wire Transfer Fraud, our leading fraud and risk solutions not only prevent fraud at the earliest stages of the mortgage process, but also protect you from unnecessary costs by verifying critical entry errors. Gain peace of mind while reducing underwriting risk, improving loan quality, and enhancing the health of your portfolio.
Flood Zone Determination
All ENCOMPASSING RESOURES TO PREVENT YOU FROM GETTING SWEPT UP BY THE TIDES OF COMPLIANCE
Keep your head above water and stay up to date with the latest FEMA flood hazard map.
Flood Zone Determination protects your portfolio and borrower with the most comprehensive flood zone information available today. With a no-cost Flood QuickCheck at application and accurate, affordable solutions for every situation, you can more accurately assess DTI ratios and prepare for the path ahead. These best-in-class solutions help you navigate the ever changing regulatory and compliance landscape, so you can streamline your operations and mortgage manufacturing workflows.
Automated Valuation Model
STREAMLINED PROCESSES TO ELIMINATE THE APPRAISAL HEADACHES & MITIGATE BUYBACKS
Get fast, accurate, statistically valid results to help you objectively verify the value of the collateral.
Automated Valuation Models (AVM) deliver access to an extensive database of property records and our full spectrum of solutions offers you the flexibility to select the product that works for your lending operations and unique situation. Using detailed local, regional, and national information, AVMs provide valuations within seconds and enable you to lend with confidence – while reducing the risk of fraud and decreasing the stress and costs associated with manual valuation or full appraisal.
INSIGHTS & SIMULATORS TO HELP BRING OUT THE BEST IN YOUR APPLICANTS
Potentially save your prospects money by eliminating PMI and earn their loyalty for life!
Position borrowers to secure the best rates and terms possible with Certified Credit's suite of score improvement tools. Whether it's paying down debt, opening accounts, or even charging more to a current credit line, score improvement tools take a look at your applicant's personal profile to show you the best opportunities for success – giving your team immediate insight to improvement potential on the horizon.
"I couldn’t be happier with Certified and your wonderful employees. I know first-hand that my team loves your people, and they sure treat us the same!"
Certified Credit is dedicated to providing comprehensive and reliable information so that your decisions lead to the best outcomes.