manualshive.com logo in svg

Calyx Point 7, Руководство пользователя

"Пользовательское руководство Calyx Point 7 доступно для бесплатной загрузки с нашего сайта. Это детальное руководство поможет вам ознакомиться с функциями и возможностями продукта. Скачайте его прямо сейчас на manualshive.com и начните использовать Calyx Point 7 без проблем!"

Поделиться
Скачать
background image

Point User Guide

vii

Viewing the Loan Prospector Feedback Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 349
Updating Point files from Freddie Mac . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 350

WebCaster. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 350

Setting WebCaster preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 350
Updating loan status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  351
Viewing loan status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 352

Chapter 14—Templates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 353

Loan program templates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 353

Creating loan program templates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 354

Closing cost scenario templates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 355

Creating closing cost scenario templates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  355

Master file templates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 357

Creating master file templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 357
Using master file templates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 358

Editing templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 358
Deleting templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 358
Import and export templates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 358

Data import templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 359

Creating data import templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 359
Editing data import templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 360

Data export templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 361

Creating a data export template from the sample . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 361
Creating and editing data export templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 363

Chapter 15—Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 365

Standard reports. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 365

Report templates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 365
Generating standard reports  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 368
Types of reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 370

Late Documents report  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 370
Contact Information report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  371
Business Summary report (with Excel)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 371
LO summary  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 371

Customizing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  371

Business Analysis report (Banker with Excel). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 372

Dash board . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 372
Yearly trend  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 372
Monthly trend. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 373
LO summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 374
Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 375

Loan Profit Summary (Banker with Excel) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 375

Cost and profit summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 375
Warehouse summary  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 376
Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 376

Loan Pipeline Report (with Excel) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 376

Pipeline status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 377
Detail Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 377

Loan Status Report (with Excel 2007). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 377

Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 377

Using functions to create formulas in reports. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 378

Содержание Point 7

Страница 1: ......

Страница 2: ......

Страница 3: ...engaged in the practice of law and does not render legal accounting or other professional services In determining which federal or state forms supplied by Calyx Software should be used in a particular...

Страница 4: ......

Страница 5: ...er 11 Installing Point on the client workstation 13 Updating the client workstation 14 Chapter 2 User interface 15 Screen components 16 Navigation panel 16 Loans tab 17 Shortcut toolbar 18 Information...

Страница 6: ...m a remote location 55 Specifying search fields and result format 57 Creating custom screens 59 Customizing the shortcut toolbar 60 Specifying the default DOS directory location 61 Customizing screen...

Страница 7: ...ent name 113 Matching liabilities to real estate owned 113 Summarizing the transaction details 114 Entering declarations 115 Printing the Acknowledgement and Agreement clause 116 Completing the Govern...

Страница 8: ...al Termination or Change 161 Tax Authorization Form 8821 162 Tax Return Request Copy of Return Form 4506 T 162 Tax Information or 1098 Data 163 Transmittal Summary 163 Completing the Transmittal Summa...

Страница 9: ...ment repository 210 Chapter 10 Loan tracking 213 Loan status tracking 214 Tracking loan status and progress 214 Tracking basic documents 216 Tracking miscellaneous items 217 Tracking conditions 219 Lo...

Страница 10: ...306 Initial disclosures and closing documents 307 Specifying investors and products 308 Ordering initial disclosures and closing documents 310 Correcting submission errors when requesting disclosures...

Страница 11: ...tes 359 Editing data import templates 360 Data export templates 361 Creating a data export template from the sample 361 Creating and editing data export templates 363 Chapter 15 Reports 365 Standard r...

Страница 12: ...Generating a standard marketing e mail 399 Custom forms 400 Creating custom forms 400 Creating custom forms from existing Microsoft Word documents 403 Printing custom forms 404 Customizing marketing...

Страница 13: ...database overview 443 Creating categories 444 Entering data into the database 445 Editing database entries 446 Copying deleting and sorting records 447 Copying records 447 Deleting records 447 Sorting...

Страница 14: ...r of folders in dropdown lists 472 Data folder security 473 Setting data folder security and accessibility 473 Setting user access to data folders 474 Copying user settings 476 Modifying users 477 Rem...

Страница 15: ...to identify different types of controls and screen characteristics In this topic Document conventions Product assistance Format Example Button Click the Calculate button at the bottom of the workspac...

Страница 16: ...Company Info Populate Refers to Point automatically completing values that flow between screens Select Highlight an item by clicking the mouse and dragging it over the item or double click the item to...

Страница 17: ...lyxsupport com Contact Supports Sales E mail sales calyxsoftware com Call 800 36 CALYX 800 362 2599 Press 1 Point PDS Point Data Server WebCaster account subscription Website activation and CD ROM rel...

Страница 18: ...hen you contact Technical Support have the following information available Your name Your company name Your version of Point Your account ID Your account ID is on the invoice or the shipping label fro...

Страница 19: ...ts Administrative An administrative installation is used on networks of ten or more computers An administrative installation installs a tool that is used to set up a server for remote configuration an...

Страница 20: ...the end user is ultimately responsible Component Version Component Version Operating System One of the following operating systems is required Microsoft Windows Vista Microsoft Windows XP Service Pack...

Страница 21: ...cal installation is done on a single workstation in a non network environment To install Point on a stand alone computer 1 Insert the Point CD into the CD ROM drive to start the installation process I...

Страница 22: ...ick Next to continue the installation 5 Read the Software License Agreement If you accept the terms select the I accept the terms in the license agreement button and click Next to proceed If you do no...

Страница 23: ...is not detected the Setup Type dialog box is displayed 7 Select Typical for a new installation or select Upgrade to upgrade your existing Point application and click Next The installation process begi...

Страница 24: ...pgrading from a previous version of Point all of your previous settings are saved If you are installing Point on a new computer add network data folders after the installation is finished This option...

Страница 25: ...ick Next to continue the installation 5 Read the Software License Agreement If you accept the terms select the I accept the terms in the license agreement button and click Next to proceed If you do no...

Страница 26: ...box is displayed which indicates that a previous version of Point is installed on the computer If a previous version of Point is not detected the Setup Type dialog box is displayed Attention If you a...

Страница 27: ...hange Data Directory dialog is displayed In new installations the default directory is C PNTDATA In an upgrade the default directory is the directory that was used in the previous installation 10 Sele...

Страница 28: ...ck Install Point on this Server 3 When the Welcome screen is displayed click Next to continue the installation 4 Read the Software License Agreement If you accept the terms select the I accept the ter...

Страница 29: ...a directories You can also enable the Point Data Server from this utility Important Your account information is e mailed to the primary account holder Tip To make the Netsetup directory accessible to...

Страница 30: ...the ellipsis button to browse to the shared locations If a PNTTEMPL folder does not currently exist select the shared location that will contain the folder and type PNTTEMPL It is created during the i...

Страница 31: ...lient workstation Subsequent client updates are done automatically from the server when it is updated To install Point on the client workstation 1 From the Windows Start menu select Start Run 2 In the...

Страница 32: ...er for updates when the application is launched from the client If any updates are detected the client machine is automatically updated To update the network configuration server settings 1 From the W...

Страница 33: ...st operations These options include Navigation panel tabs Toolbar icons Key combinations including Activating keys Function keys Hot keys Movement keys Scrolling keys Buttons Menus Review this topic b...

Страница 34: ...avigation panel The navigation panel located on the left side of the screen is used to access Point features It is always available when Point is open and contains the following four tabs Loans Tasks...

Страница 35: ...Use the loans tab to access prospect and borrower loan files The following search options are available for locating loan files Data Folder Use the Data Folder dropdown list to select where to perfor...

Страница 36: ...enu to access screens The shortcut toolbar is not available when you are creating a master template so you must select the forms to include in your template from the Forms menu Use the First Mtg and S...

Страница 37: ...includes important loan data such as Loan status First or second loan Amount Property address Type and purpose Payment Note and Qual rates Payment The Update Status button opens the Update Status dial...

Страница 38: ...scroll through multiple loan files Use the following search options to specify your search criteria Data Folder Indicates the data folder that is currently in use Search Tasks Specify the type of task...

Страница 39: ...ata is to be retrieved when the report is generated Select All Deselect All Toggles between Select All or Deselect All when selecting data folders Only the data folders to which you have access are di...

Страница 40: ...ng Cost Scenario Creates various closing cost options that prospects can use to assist with their loan decisions Prospect Master Creates master prospect templates for faster prospect information entry...

Страница 41: ...nclude Activating keys Function keys Hot keys Movement keys Scrolling keys Icon Name Function Email E mails the file or form Ratios Displays the top bottom LTV and CLTV ratios for a loan Conversation...

Страница 42: ...he specified letter to activate the item The following hot keys are used in Point Key Description Enter Activates the highlighted command Esc Closes a dialog box or cancels a command Spacebar Activate...

Страница 43: ...s on the Banker screens Key Description Tab Moves forward one field Shift Tab Moves backward one field Alt J Moves forward one section Alt I Moves backward one section Key Description Ctrl Page Down S...

Страница 44: ...Suspense Denial Notice and adds it to the document repository This button is located on the Underwriting screen Deletes the selected document This button is located on the Trail Documents and Conditi...

Страница 45: ...on is located on the Closing screen Button Description Button Description Opens the CC Scenario List dialog box which is used to select the closing cost scenario for the loan This button is also locat...

Страница 46: ...ransmittal Summary Prequalification and Rent vs Own screens The monthly mortgage insurance premium information entered in this dialog box is calculated and the monthly premium is entered in the Propos...

Страница 47: ...s screen Opens the FHA Transmittal Summary Retrieves data from the Good Faith Estimate Copies data from the Loan Application Copies the line C3 calculation from the 203 k Maximum Mortgage Worksheet Bu...

Страница 48: ...ox which is used to match borrower liabilities and real estate 3 Opens the Mortgage Insurance Premium Funding Fee dialog box which is used to calculate up front funding fees and mortgage insurance pre...

Страница 49: ...pens the View Report dialog box which is used to select a VOE VOI report to view 2 Button Description Page Button Description Screen Opens the Subordinate Financing Information dialog box which is use...

Страница 50: ...ys the new ratio of income to debt after a consolidation Debt Consolidation Worksheet Deletes a record from the Debt Consolidation Worksheet Debt Consolidation Worksheet Opens the Liability dialog box...

Страница 51: ...Rent vs Own Opens the Present Housing Expenses dialog box which is used to enter housing expenses for the borrower s owner occupied residence regardless of the type of loan Prequalification Selects al...

Страница 52: ...menu Related information Additional buttons are described in Loan Application on page 29 and Marketing on page 31 Button Description Imports the assets from the Loan Application to the Verification o...

Страница 53: ...ossible to transfer the information to other data folders from the primary data folder Entering default company and processing center information The information that is entered in the Company Informa...

Страница 54: ...in the following example to illustrate the process 1 Select Utilities Company Defaults Company Info The Company Information dialog box is displayed 2 Enter the company name address city state zip code...

Страница 55: ...You can establish a standard set of default conditions that are added to the conditions list when you click the Add Defaults button or you can select from the list of conditions when you click the Add...

Страница 56: ...n the default list when specifying conditions in the Conditions screen select the Default Condition For All New Loans check box e To exclude the condition from the pick list when specifying conditions...

Страница 57: ...rt the documents by one of the columns click the column heading to sort the records in ascending order Click the column heading again to sort in descending order The default sort order is by the Defau...

Страница 58: ...hen the payment is due 4 To specify that the borrower must pay some fees in advance to provide a reserve in the event a fee increases or a payment is missed enter the number of months the borrower mus...

Страница 59: ...of Credit Denial Termination or Change form when it is printed To enter the credit denial compliance agency address 1 Select Utilities Company Defaults Denial Letter Address 2 Enter or verify the add...

Страница 60: ...the Respondent Information section 5 If the lender is a subsidiary enter the parent company information in the Parent Information section 6 Enter the year of the report in the Activity Year field and...

Страница 61: ...o request the appraisal To print the statement when the Loan Application is printed 1 Open a borrower file 2 Select Utilities Company Defaults Right to Receive Appraisal 3 Select the Print Right to Re...

Страница 62: ...e to calculate the property taxes You can create the following types of lists Representative names Processor names Underwriter names Document preparer names Closer Funder names Shipping companies Adju...

Страница 63: ...ion select the option to delete and click Delete 4 After you are finished adding and editing options click OK Creating escrow and title tables Use the Escrow Tables and Title Tables options to create...

Страница 64: ...how the fee is to be calculated from the Based On dropdown list If you select Sales Price the fees are calculated based on the sale price of the property If you select Loan Amount the fees are calcula...

Страница 65: ...e Add Range dialog box for each tier in the company s fee structure Based on the example your fee table will look similar to the following figure Important The fees are calculated cumulatively that is...

Страница 66: ...es TMS Connection Setup The Transaction Management Server Connection dialog box is displayed 2 Select the Use a Proxy Server check box to enable the dialog box fields 3 Enter your IP address and port...

Страница 67: ...vigation panel 2 Select Utilities Communications The Communications dialog box is displyed 3 Click Communications to open the Communications Settings dialog box 4 Select the communications port where...

Страница 68: ...he Loans tab from the navigation panel 2 Select Utilities Communications The Communications dialog box is displyed 3 Click Host Mode Several messages display in the dialog box When the status reads Wa...

Страница 69: ...2 Select Dialing Directory The Dialing Directory dialog box is displayed 3 Enter the Remote Host Name When you make an entry it is stored in the directory for future use 4 Enter the corresponding mode...

Страница 70: ...pload to Remote Host send a file section click Prospect or Borrower to access the type of file to send 9 Select the files to send When you select a prospect or borrower file to be sent all attached fi...

Страница 71: ...guidelines You must know the names of the files you want transferred before you can connect to the computer in Host mode 1 Select the Loans tab from the navigation panel 2 Select Utilities Communicat...

Страница 72: ...cal Workstation get a file section click Prospect or Borrower to access the type of file to send 9 Enter the complete file name The file extension is not necessary 10 Click Select All If you are downl...

Страница 73: ...file is transferred and immediately displayed in a status dialog box The status record is viewable and printable and contains the following Current tracking sheet Conditions Agent Information list Con...

Страница 74: ...the number you need is not already in the list you will need to add it 5 Click Dial The Connecting to Remote Host dialog box is displayed If any of the data folders on the computer in Host mode have...

Страница 75: ...Click Close to return to the Connecting to Remote Host dialog box Specifying search fields and result format Use Search Display Settings option to specify how the search results are displayed when pe...

Страница 76: ...using the Add and Remove options Change the sequence they are displayed by using the Move Up and Move Down options Revert to the default settings by clicking Use Defaults 3 Click the Auto Display Opt...

Страница 77: ...s of information To create a custom screen 1 Select Utilities Custom Screen Settings 2 Select the custom screen you want to create or edit from the dropdown list 3 In the Screen Name field enter a nam...

Страница 78: ...e Setup Shortcut Toolbar dialog box is displayed 2 Select the file type for this arrangement from the dropdown list 3 Use the following controls to further define the shortcut toolbar In the List Layo...

Страница 79: ...en importing and exporting files To change the default DOS directory 1 Select Utilities Point DOS Directory The POINT for DOS Data Directory dialog box is displayed 2 Enter the directory where DOS fil...

Страница 80: ...dialog box 5 Click OK Specifying the default web browser Use the Web Browser option to specify the default web browser for Point to use when accessing the internet To set the default web browser 1 Se...

Страница 81: ...lect Utilities Auto File Naming Borrower The Borrower Auto File Naming dialog box is displayed 2 Select the Enable Auto File Naming check box 3 To include a custom prefix in your file names select the...

Страница 82: ...Select Yes to enable Auto Save 3 Click OK Generating the Mortgage Identification Number automatically Use the Auto MIN Generation option to automatically generate the Mortgage Identification Number T...

Страница 83: ...all caps for city state county check box to display city county and state in all capital letters 4 Click OK Identifying fields and field IDs Field IDs are used when importing and exporting data creat...

Страница 84: ...into the fields of an empty borrower or prospect file Tip In addition to using the Utilities functions to identify field IDs Point also includes a Microsoft Excel file that contains a comprehensive li...

Страница 85: ...rfaces with vendors that do provide them The main difference between prospect and borrower files is that borrower files include the following Verification forms Submission forms Transmittal forms Acce...

Страница 86: ...k File To create a loan file from a template select New File from Master Template and select the template to use from the list 6 Click OK If you selected New Blank File a blank prospect file is create...

Страница 87: ...w Blank File To create a loan file from an existing prospect file select New File from Prospect File To create a loan file from a template select New File from Master Template and select the template...

Страница 88: ...es To duplicate prospect and borrower files by using the Copy function 1 Select the Loans tab from the navigation panel 2 Perform a search for the loan file that you want to copy 3 Select the loan fil...

Страница 89: ...owers check box In addition to the Loan Application the following items are duplicated in the new loan when this option is selected User defined miscellaneous items Due date calculations that are defi...

Страница 90: ...e naming is turned on for the selected folder To automatically name the file by using the automatic file naming convention that is specified in the auto file naming function leave the Use Auto File Na...

Страница 91: ...click Save Creating new co borrower loan files Co borrower files are generally used for applicants who are not married to each other A maximum of five co borrowers are allowed per loan Co borrower ap...

Страница 92: ...the primary borrower file It is accessible from the shortcut toolbar or by selecting Forms Transmittal Summary Combined Transmittal Summary Related information Refer to Creating new prospect loan file...

Страница 93: ...ospect or borrower files 1 Select the Loans tab from the navigation panel 2 Select the data folder you want to search in from the Data Folder dropdown list 3 Choose the file type Prospect or Borrower...

Страница 94: ...ab from the navigation panel 2 Select the data folder or folders you want to search from the Data Folder dropdown list 3 Choose the file type Prospect or Borrower 4 Click List Co Borrowers The co borr...

Страница 95: ...arch The files that match the search criteria are listed in the workspace Moving loan files Moving loan files in Point Manage your files more efficiently by moving prospect and borrower files into oth...

Страница 96: ...n prompted to confirm the move Moving and copying loan files from an external source If you receive a Point loan file from an external source you must move it or copy it into your Point system before...

Страница 97: ...Auto Filename Use the automatic file naming convention that is specified for the selected data folder Manual Naming Enter a name of your choice in the Rename File dialog box which is displayed when y...

Страница 98: ...n create one during the linking process Linking from an existing first loan file To link a second loan file to a first loan file you can either create a new second file at the time you are linking the...

Страница 99: ...shed A dialog box prompts you to open the second file To link two existing loan files 1 Open the first loan file 2 Select File Subordinate Financing Link to Existing Second Mortgage The Search Select...

Страница 100: ...n files to make searches faster During normal use the system stays up to date However Point cannot keep track of loan files that were moved or copied with external programs such as Windows Explorer If...

Страница 101: ...wap borrower prospect and co borrower information or delete all the information regarding a specific applicant To access this tool from a borrower or prospect file 1 Open a borrower or prospect file 2...

Страница 102: ...rd Print Setup dialog box 2 Select the default printer from the dropdown list and specify any other default parameters 3 To change the paper orientation duplex settings or tray selection click Propert...

Страница 103: ...ected output device To change this specification select Print Setup to access the Print Setup dialog box 4 Select the paper tray assignment for each paper type letter legal and envelope from the corre...

Страница 104: ...mat For example enter 75 to move the graphic three quarters of an inch Use a negative value to shift the offset up or to the left For example to move the text a half inch to the left enter 5 in the Sh...

Страница 105: ...nt click the Font button and make your selections 6 Select Form with data from the Print Option dropdown list You can also print blank forms and forms that contain only company specific data such as n...

Страница 106: ...ope Mailing Address Verification envelopes The verification options correspond to the institutions that were entered in the verifications forms for example employers that were entered in the Verificat...

Страница 107: ...nal print groups and shared print groups Below the list of print groups are Create Group Edit Group and Delete Group buttons Use these buttons to create edit and delete your print groups 4 Click Creat...

Страница 108: ...nt Data File or click the e mail icon and select E Mail Point Data File The E Mail Point Data File dialog box is displayed 2 In the Password Protected field enter a password and click Send To To save...

Страница 109: ...il To e mail forms 1 Select File E Mail Form or click the E mail icon and select E Mail Forms The Borrower Forms dialog box is displayed Related information For more information about pcf files see Sa...

Страница 110: ...ld Caution Select forms for only one recipient at a time When the Send button is clicked a single PDF file is generated that contains all of the selected forms Tip In addition to the methods that are...

Страница 111: ...Compressed File Processor dialog box 4 Select a data folder the file type Prospect or Borrower and specify one of the following file naming conventions Preserve Retain the original file name Auto Fil...

Страница 112: ......

Страница 113: ...ng sections Page 1 I Type of Mortgage and Terms of Loan II Property Information and Purpose of Loan III Borrower Information Page 2 IV Employment Information V Monthly Income and Combined Housing Expe...

Страница 114: ...of another person will be used to secure the loan or that the income and assets of the borrower s spouse or other person will not be used To specify the assets to be used 1 Open page 1 of the Loan Ap...

Страница 115: ...government loans but is not required by all lenders The lender case number does not apply for all loans However when it is applicable it is required for submission 3 Specify the loan type lien positi...

Страница 116: ...s dialog box is also accessible from the Borrower Information screen and these fields are also on the Truth In Lending screen These fields are populated in all screens when completed 5 Enter the appli...

Страница 117: ...er file 3 If the loan is a construction loan complete the If Construction Loan section If one of the construction options was not selected for the Purpose of Loan these fields are disabled 4 If the lo...

Страница 118: ...of the down payment from the dropdown list If further explanation is needed about the down payment source or if the down payment is coming from multiple sources use the empty field below the dropdown...

Страница 119: ...ess in the Present Address section The address city and state are already populated if the Borrower Information screen was completed 5 If either borrower receives mail at an address other than their c...

Страница 120: ...Income screen click the From VOE button to populate the current and former employer fields If the employment verification has not been requested request it in Point by clicking Request VOE VOI and po...

Страница 121: ...er is still employed with the company If the borrower was self employed select the Self Employed check box To enter multiple employers click Save New after each entry Use the arrow buttons to navigate...

Страница 122: ...ropdown list b Enter the gross amount that is earned for that period The Monthly Income field is populated with the calculated monthly amount c Click OK to populate the Base Inc field 3 Enter the mont...

Страница 123: ...umn Use the buttons that correspond to each field to select the formula to use to calculate the proposed expense or click the lock box to enter the amount manually c If the borrower must pay mortgage...

Страница 124: ...rmine the borrower s loan qualifications Entering assets To complete the Assets section 1 Open page 3 of the Loan Application 2 Verify with the borrower and co borrower whether the information in this...

Страница 125: ...et dialog box b Select the asset type from the dropdown list enter the name and address of the institution where the asset is held the account number and the value of the asset Click the Cardex icon t...

Страница 126: ...as any life insurance policies Enter the face amount of the policy in the first field and the cash value of the policy in the second field Point calculates the Subtotal Liquid Assets 6 Complete the Au...

Страница 127: ...e recorded in the Verification of Mortgage Rent or Verification of Loan Use the credit company interfaces by clicking the Request Credit View Credit and Populate Liab buttons Caution Entering liabilit...

Страница 128: ...tion before an existing second loan on the property f Check the Omitted check box to exclude the liability from the total liabilities The entries in the Balance and Monthly Pmt fields are automaticall...

Страница 129: ...hat the subject property is the first item listed in this section If the real estate owned is already recorded in the Verification of Mortgage Rent screen click the From VOM button to import it to the...

Страница 130: ...the remaining mortgage balance in the Amt of Mtg field 9 If the property is a rental enter the gross rent amount in the Gross Rent field 10 If this is a second mortgage or property add the first and s...

Страница 131: ...d the Creditor Name and the Account Number Matching liabilities to real estate owned Use the matching liabilities function to match real estate with the corresponding loan on the liabilities list This...

Страница 132: ...mber is entered in the REO column for the selected liability You can associate more than one liability with an REO 6 To remove the association between a liability and an REO select both items and clic...

Страница 133: ...eens are automatically populated in this dialog Make any adjustments to these amounts if necessary 4 If the PMI MIP financed field is not already populated click the MIP FF button to open the Mortgage...

Страница 134: ...clause is located in Section IX Acknowledgement and Agreement of the Loan Application This section is not included in the Point interface However you can specify that the statement print with the Loa...

Страница 135: ...isal or the We must receive your written request no later than check box to specify whether there is a time limit to receive the request for appraisal If there is a time limit specify the number of da...

Страница 136: ...on select the I do not wish to furnish this information check box Select multiple race options to indicate a multi racial borrower 3 Select the method by which the application was taken 4 If the inter...

Страница 137: ...Estimate GFE Initial ARM Disclosure Mortgage Loan Disclosure Statement MLDS GFE CA Truth In Lending Disclosure Good Faith Estimate The Good Faith Estimate GFE provides a line by line list of every cos...

Страница 138: ...scenario template c Complete the Company Names section If you select the Use check boxes the broker lender and investor names are automatically populated when the corresponding Paid To option is sele...

Страница 139: ...dropdown list b If not prepopulated enter the company name of the payment recipient in the Company Name field c Enter the fee in the Amount field For the Loan Origination Fee Loan Discount and Mortga...

Страница 140: ...pays them and whether they are a prepaid finance charge FHA allowable or paid outside of closing Blank fields are provided to add user defined fees a Select who is to receive payment Broker Lender Inv...

Страница 141: ...ves Deposited with Lender section as described in Step 5 This section contains an itemized list of reserves that the lender requires to be paid in advance to the impound account who they are paid to w...

Страница 142: ...table of fees that were defined in the dropdown list utility for the Closing Escrow Fee and Title Insurance Lender s fields or enter the information manually 8 Complete the Government Recording and T...

Страница 143: ...er the amount select who is to make the payment and specify how the charges are being paid PFC F POC 10 Review the costs in the Closing Costs Prepaid Items Summary and Total Estimated Monthly Payment...

Страница 144: ...provided by broker check box if the broker has completed the estimate Related information For more information about setting the number of days in year refer to Company default information on page 35...

Страница 145: ...Prepared field is automatically populated with the current date 3 Click New 4 Enter the name address and telephone number of the provider Use the Cardex database to populate these fields or enter the...

Страница 146: ...following buttons located at the bottom of the workspace provide additional functionality Calculate Use the Calculate button to calculate the Worst Case Scenario fields at the bottom of the form Month...

Страница 147: ...nformation dialog box when the company information is defined 4 Complete the Lender Name and Loan Program fields Use the Cardex database to populate the Lender Name field 5 Complete the How your Inter...

Страница 148: ...imum percentage that the rate will increase for each period d In the Adj Period ___mths field enter the number of months between each rate adjustment for the remainder of the loan e In the Life Cap __...

Страница 149: ...Rate Period check box to specify interest only payments during the initial payment rate period When checked the initial interest only payments expire at the end of the term that is specified in the I...

Страница 150: ...lose the payment schedule and record any additional parameters that are associated with the subject loan The following buttons located at the bottom of the workspace provide additional functionality C...

Страница 151: ...en a prospect or borrower file 2 Open the Truth in Lending screen from the Forms menu or the shortcut toolbar Related information For information about the ARM Disclosure Initial screen refer to Initi...

Страница 152: ...he Bi Weekly Pmt Schedule check box to indicate bi weekly payments 8 Enter the amount that the rate is to be rounded to in the Rate field Select the applicable check box to specify if the rate is to r...

Страница 153: ...s at the Max Adjusted Loan Balance check box to calculate the debt to income ratios on the amount in the Max Balance field 12 In the Buydown Mortgage section enter the buydown rate percentage not the...

Страница 154: ...r Disclosure FL Mortgage Broker Disclosure TX Mortgage Loan Disclosure Statement CA Pre Application Disclosure NY Some of the state disclosure forms require no input therefore an interface is not prov...

Страница 155: ...n the borrowers file and prints on this disclosure The name and address of the local agency responsible for enforcing the Discrimination Act is taken from the defaults that you set up in the Utilities...

Страница 156: ...on for page 1 of the printed MLDS GFE CA is retrieved from the Good Faith Estimate screen for both traditional and non traditional loans By using these forms you satisfy the federal GFE requirement an...

Страница 157: ...d with the amount to be paid off including debts and liabilities marked to be paid from the Loan Application 5 To include additional obligations in the calculation enter a description and the total am...

Страница 158: ...rmation About Loan section a If the Interest Rate and Loan Term mths fields and the rate adjustment information are not populated from other screens enter the information here b Select the applicable...

Страница 159: ...ion If no prepayment penalty is associated with the loan select the No prepayment penalty option If the loan is paid off or refinanced earlier than a specified number of years select the Prepayment pe...

Страница 160: ...not established or if the borrower is making some payments directly select the second option d Select the check boxes for the fees that the borrower is paying directly The annual total of borrower pai...

Страница 161: ...make comparisons The following buttons located at the bottom of the workspace provide additional functionality Calculate Use the Calculate button to calculate the Payment Scenarios and Loan Balance S...

Страница 162: ...ensation From Lender fields if the lender is paying the broker any indirect compensation 4 Complete the Additional Required California Disclosures section The Initial Commissions Fees Costs and Expens...

Страница 163: ...en the corresponding fields in the Truth In Lending screen or the Monthly Payment Settings dialog box are completed f If the payment options apply and will end after a percentage of the original balan...

Страница 164: ...ment penalty is associated with the loan select the No prepayment penalty option If the loan is paid off or refinanced before a specified number of years select the Prepayment penalty option and enter...

Страница 165: ...lect the check boxes for the fees that the borrower is paying directly The annual total of borrower paid fees is automatically calculated 7 Complete the Liens Currently on Borrower s Obligated Propert...

Страница 166: ...orrower s income select the corresponding check box 10 Complete the Payment Scenarios section a If you do not offer one or more of the products or scenarios listed select the Not offered check boxes f...

Страница 167: ...posed loan payments for the following scenarios i Calculate the monthly payment in the sixth year of the loan with a 2 rate increase and enter the value in the corresponding field ii Calculate the mon...

Страница 168: ...fax numbers automatically populate the Consumer Reporting Agency fields on this form You can change this data at any time by manually entering different data or using the Cardex database to populate...

Страница 169: ...tification Co Borrower Identification Organization Identification Patriot Act Information Disclosure Privacy Policy Disclosure The Privacy Policy Disclosure is a generic print only disclosure about cu...

Страница 170: ...nt Click the Investment button to open the Investment Information dialog box which is used to enter information about investment properties that the borrower or co borrower owns Credit Scores Click th...

Страница 171: ...e and home telephone number from the borrower fields click the Copy from Borrower button 4 Enter your name in the Loan Rep field or select a name from the dropdown list 5 Enter the processor name in t...

Страница 172: ...loan terms and specifications This dialog box is also accessible from the Loan Application and these fields are also on the Truth In Lending screen These fields are populated in all screens when comp...

Страница 173: ...e Analysis These forms apply to self employed borrowers They use the Schedule Analysis Method and AGI Adjusted Gross Income to calculate the monthly income for self employed borrowers that is acceptab...

Страница 174: ...ed with Point that is used to document an amount of money received by the loan applicant as a gift The property address on the gift letter comes from the Prospect or Borrower Information screen Itemiz...

Страница 175: ...ny Title Company To complete the Loan Submission Sheet 1 Open a borrower file 2 Open the Loan Submission Sheet from the Forms menu or the shortcut toolbar 3 Complete the Lender section 4 Complete any...

Страница 176: ...open the Loan Related Fees dialog box b Select Borrower and enter the amount the borrower must pay some of this information is populated from the Good Faith Estimate c Click OK d Click the Loan Deman...

Страница 177: ...pages The first page contains a number of input fields The second page is always the same Completing the Mortgage Loan Commitment screen Because the Mortgage Loan Commitment is one of the last steps i...

Страница 178: ...mation at the bottom of the form Request for Appraisal Evidence of Insurance Payoff or Title Commitment Most of the information on these three screens is populated from other screens Complete at least...

Страница 179: ...hange 1 Open a prospect or borrower file 2 Open the Statement of Credit Denial Termination or Change from the Forms menu or the shortcut toolbar 3 Enter the date the denial was mailed In the Mailed on...

Страница 180: ...ing agency select the applicable check box c Enter any additional settlement information in the space provided and select the check box d Enter your name in the Completion of letter by field Tax Autho...

Страница 181: ...ransmittal Summary after you have completed the Loan Application disclosures and verifications Many of the fields are populated from other screens To complete the Transmittal Summary 1 Open a borrower...

Страница 182: ...ub Financing field If the loan is a HELOC Home Equity Line of Credit enter the actual balance and the credit limit Recommendation The loan and amortization types are automatically populated from other...

Страница 183: ...ection is populated from page 2 of the Loan Application If the subject property is an investment or secondary residence the total for the Proposed Monthly Payments Borrower s Primary Residence section...

Страница 184: ...ect Information screen Verify that the Sales Price Appr Value and Loan Amt fields are correct Verify that the correct Type check boxes are marked in the Borrower Information screen e The Qual Rate fie...

Страница 185: ...Assessment section i Enter any underwriter comments in the Underwriter Comments field 6 Complete the Seller Contract And Contact Information section This section is typically not required to be comple...

Страница 186: ...hat the 1st Pmt Date field in the Good Faith Estimate contains a date 2 Click the Aggr Escrow button in the Good Faith Estimate or select Forms Escrow Account Disclosure 3 Enter the servicer name addr...

Страница 187: ...property taxes are paid in April and December for a six month period enter 6 in the April and December rows in the Tax Disb column If the payments are made annually enter 12 in the field for the mont...

Страница 188: ...he Borrower Information screen to open the Mortgage Insurance Premium Funding Fee dialog box or click the MIP FF button on the Loan Application Related information For information about how to use the...

Страница 189: ...Funding Fee fields are automatically populated 4 Complete the Monthly Mortgage Insurance Premium section a Select the mortgage insurance rate for the initial period from the first dropdown list b Ente...

Страница 190: ...ning balance check box This calculation averages the loan balance every 12 months and averages the mortgage insurance premium in the Truth in Lending payment schedule g To cancel the insurance halfway...

Страница 191: ...timate FHA Loan Underwriting and Transmittal Summary Completing the Borrower and Prospect Information screens Complete a Borrower or Prospect Information screen as you would for a conventional loan wi...

Страница 192: ...Amount field unless the seller is paying all of the borrower s closing costs A message is displayed that shows the maximum loan amount b Click Yes in response to the prompt to copy the maximum loan am...

Страница 193: ...l rate from the second dropdown list or enter the value manually h Enter 78 in the Cancel At field for monthly mortgage insurance When the Calculate button is clicked in the Truth in Lending Disclosur...

Страница 194: ...es the disclosure of loan level information This form is required when submitting an FHA loan to underwriting and is used for both purchase and refinance loans If you completed the Borrower Informatio...

Страница 195: ...FHA Transmittal Summary Most of the borrower and property information is populated from the Borrower Information screen and Loan Application 2 Enter the case number in the FHA Case Number field 3 Sele...

Страница 196: ...is not completed click the Mtg Insurance button and enter the necessary information in the Mortgage Insurance Premium Funding Fee dialog box b Complete the Interest Rate Qualifying Rate and Loan Term...

Страница 197: ...tion and source of the financing and if applicable enter the EIN of the source f Select the Seller Funded DAP check box to indicate that the seller is providing funding for the down payment g If the b...

Страница 198: ...applicable f Enter the borrower and co borrower CAIVR numbers g Select the Yes or No check box for both the borrower and co borrower to indicate if their name is on the LDP GSA lists If their name is...

Страница 199: ...y automatically populates the City and State fields 4 Click the Mtg Insurance button to complete the Mortgage Insurance Premium Funding Fee dialog box Related information For information about using t...

Страница 200: ...that was previously entered in the Borrower Information screen the Loan Application and the Good Faith Estimate The following buttons located at the bottom of the workspace provide additional functio...

Страница 201: ...utomatically populated with information that was entered into the Good Faith Estimate and are not editable The Maximum Allowable Contributions field is automatically calculated by multiplying the sale...

Страница 202: ...he appraised value by the result a Enter the required adjustments in the Required Adjustments field Add fees that you can finance such as repairs and solar energy systems Subtract fees that you cannot...

Страница 203: ...it the field c To add or edit additional itemized closing costs click the CC Adjustments for FHA button to open the FHA Additional Itemized Closing Costs dialog box d The Upfront MIP Paid in Cash fiel...

Страница 204: ...the input screens and will auto populate 1 In the borrower section enter the name and address of the borrower if those fields are not already populated 2 Complete all the other general loan informatio...

Страница 205: ...en follows the printed form and all fields are shown in the same order as that on the standard form When you complete the Borrower Information screen and other basic screens much of the information po...

Страница 206: ...ised Value HUD 92800 B The data in some fields is automatically populated from other screens Enter any missing information to complete the screens and ensure compliance The input screens make up the 6...

Страница 207: ...nformation must be retrieved manually To complete the MCAW Purchase screen 1 Open a prospect or borrower file 2 Select Forms Federal Housing Administration FHA FHA MCAW Purchase HUD 92900 PUR 3 Click...

Страница 208: ...ete the Loan Application for the co borrower by selecting Bor Co Bor Borrower name of Borrower To copy the information to the co borrower s application select Bor Co Bor Co Borrower 1 c Complete the M...

Страница 209: ...hout Appraisal Regular Refinance Cash Out Refinance 3 If the loan is an EEM enter the amount of qualifying improvements in the Energy Efficient Improvements field This amount is used to calculate the...

Страница 210: ...rs combine all the Borrower s information onto the Combined MCAW by selecting Federal Housing Administration FHA Combined FHA Worksheet after the individual MCAWs are completed for all borrowers VA lo...

Страница 211: ...3 Use this worksheet to calculate the maximum loan amount for a VA refinance To open the Interest Rate Reduction Refinancing Worksheet VA form 26 8923 1 Open a borrower file 2 Select Forms Veterans Ad...

Страница 212: ...sequent Certificate of Eligibility prior to the loan closing to ensure that a veteran is eligible and possesses sufficient entitlement for a VA loan To open this form 1 Open a borrower file 2 Select F...

Страница 213: ...alue 26 180 26 1843 VA Certificate of Loan Disbursement 26 1820 This form is provided for lenders closing VA loans To access this form 1 Open a prospect or borrower file 2 Select Forms Veterans Admini...

Страница 214: ......

Страница 215: ...it manually After the verification form is completed export the information from the verification to the Loan Application Completing verification forms Each verification form uses a similar interface...

Страница 216: ...employment information from the verification report Populate Employment The From section contains fields for the name of the person who is requesting the verification Attention field their title the l...

Страница 217: ...x check box to indicate that you are attaching a borrower signature authorization form to the verification 6 If you are completing an employment verification by telephone select the Telephone VOE chec...

Страница 218: ......

Страница 219: ...Point screens such as the Borrower Information and Credit Score Disclosure screens Property The Property screen is used to document specific information about the property being purchased such as pro...

Страница 220: ...t for example an electronic copy of the borrower s latest pay stub or some correspondence that was created in Microsoft Word The following methods are used to add documents to the document repository...

Страница 221: ...nd time the document was added to the repository MISMO document classification type Document name Document source Name of the person who stored the document Tips To sort the documents by one of the co...

Страница 222: ...orage dialog box 3 Click Add The Add Selection dialog box is displayed 4 Select Add Point Form and click OK The Borrower Forms dialog box is displayed Store is automatically selected as the Output Opt...

Страница 223: ...file is displayed individually in the Document Information Preview dialog box The Document Information Preview dialog box contains a preview of the document the date and time the document was added to...

Страница 224: ...repository select the document and click Delete To print a document in the repository click Print to open the Print Document dialog box and click OK Note The Skip button is available only when more t...

Страница 225: ...f tiff Microsoft Word doc docx Text txt Rich text rtf HTML html htm To add an existing document on your computer to the document repository 1 Open the borrower or prospect file that contains the infor...

Страница 226: ...s displayed next to the preview page To view a different page in multiple page documents click the thumbnail of the page you want to view To delete a page select the thumbnail and click the red X butt...

Страница 227: ...ocation 4 Click Save As Tip You can also drag and drop an existing document or an Outlook e mail attachment to the document repository Open a loan file locate the document on your computer or in an e...

Страница 228: ...file name select the file type and click Save The file is saved to the location you specified E mailing files from the document repository To e mail documents from the document repository 1 Open the b...

Страница 229: ...ent dialog box is displayed 5 Edit the file name if needed and click OK The Set PDF Password dialog box is displayed Tip To select multiple files hold the Ctrl key as you select the individual files T...

Страница 230: ...click OK If you select Do Not Protect with Password click the OK button An e mail window from your default e mail application opens with the selected files attached as a single PDF document 7 Complet...

Страница 231: ...og box To print verification reports select the Verifs tab in the Borrower Forms dialog box Access the tracking features from the Track menu Requirement You must enter date information in all tracking...

Страница 232: ...re located in each screen and each section Edit the information in the Status and Checklist screen by using the Edit Selection button or by double clicking a row To enter the current date for a partic...

Страница 233: ...ted into the Date field The Loan Progress section located below the Loan Status section tracks the loan progress and indicates the dates that various loan paperwork was submitted and received The date...

Страница 234: ...Basic Documents section 4 Edit an item a Double click an item or click Edit to open the Basic Documents dialog box To add a user defined document select a blank field The Document field is disabled i...

Страница 235: ...nts field g To calculate the due date for an item based on when a certain event occurs during the loan process select the Calculate Due Date Based On check box and select an option from the dropdown l...

Страница 236: ...list Uncheck a check box to remove a document from the loan checklist You can also select and deselect this check box in the Miscellaneous Items list Tip Use the Insert button to add a blank item to t...

Страница 237: ...n item to the loan checklist Uncheck a check box to remove an item from the loan checklist 6 Use the Insert button to add a single row or item to the list 7 Use the Delete button to remove one or more...

Страница 238: ...the sale of the buyer s current home enter Closing statement HUD1 from sale of current home or similar verbiage in the Conditions column and select Fund from the dropdown list The following events ar...

Страница 239: ...orrower When registering and locking the loan with either a wholesale lender or their secondary marketing department To record the confirmation of the lock request from either the wholesale lender or...

Страница 240: ...red in the Borrower Information screen If you select one of the condominium property type options specify the number of stories in the dwelling If the condominium complex is on the Fannie Mae approved...

Страница 241: ...ty fields 6 Complete the ARM Information section The information in this section is also on the Initial ARM Disclosure screen in the Rate Adjustments section a Enter the margin in the Margin field Thi...

Страница 242: ...d Select the type Best Efforts or Mandatory from the Lock Type dropdown list Prerequisite A default set of adjustment type values for the dropdown lists in the Registration Lock Request section is inc...

Страница 243: ...te adjustments entered j Complete the Pricing from Rate Sheet section i Enter the base price from the rate sheet in the Base Price field ii Select additional loan price adjustments from the dropdown l...

Страница 244: ...d cannot be modified The Create Lock Request button becomes enabled v Click the Create Lock Request button The Lock Request document is generated and is automatically added to the document repository...

Страница 245: ...ton After the information is inserted into the verification screen it is automatically populated in the corresponding Verification Tracking screen Point automatically inserts the date the verification...

Страница 246: ...e 2 Select Track Title The Title screen is displayed 3 Complete the upper portion of the screen with the Title Date Assessor s Parcel Number Vesting and Land Trust Enter any additional information abo...

Страница 247: ...with the Home Mortgage Disclosure Act When a file is closed or another action is taken for example the application is withdrawn or the loan is purchased you must enter the closed date in this screen A...

Страница 248: ...enial and Denial Counter Offer Tracking Information sections Links are provided in the Property Information section to help you find the Metropolitan Area or Metropolitan Statistical Division MSA MD n...

Страница 249: ...ontacts in the pipeline for the various lenders brokers and agencies that are involved in the loan Note This information is also on page 4 of the Loan Application and will automatically populate eithe...

Страница 250: ...ssible 4 Add any remaining agent information manually Broker Selling Agent Flood Insurance Lender Buyer s Attorney School Property Tax Investor Seller s Attorney Loss Payee Loan Representative Apprais...

Страница 251: ...tion Loan Rep Processor Underwriter Doc Prep Closer Funder Shipper You can customize the dropdown lists for this information from the Utilities Dropdown Lists menu To access the Branch Team screen 1 O...

Страница 252: ...t Account screen 1 Open a borrower file 2 Select Track Trust Account 3 In the Description field enter a description of the payment 4 In the Date field enter the date the payments was sent or received...

Страница 253: ...file 2 Select Track Loan Profit Loss Note Point calculates the total of the funds that are paid the funds that are received and the account balance The remaining balance is included in the Borrower st...

Страница 254: ...enter the amount as a negative number by using a minus sign 6 In the Rep Commission section enter the following information a Enter the percentage of the loan amount that the loan representative recei...

Страница 255: ...documents Many of the Banker screens share information Depending on the role of the user for example underwriter closer funder or processor information is entered at various times during the loan pro...

Страница 256: ...intended to be used for loans that are brokered to wholesale lenders It is one of the screens that allow restricted access through Point Administrator so a loan officer might not have access to this s...

Страница 257: ...s them For example the fields in the Underwriting Decision section are completed by the underwriter in the Underwriting screen 4 Complete the Rate Lock Confirmation section The fields in this section...

Страница 258: ...l d Click the Loan Program Details button to access the Program Rate Lock Details dialog box Select the tab that corresponds to the information you want to view or edit and make the necessary changes...

Страница 259: ...te adjustments from the dropdown lists Point calculates the Required Net Adjusted Rate field based on the price adjustments entered d Complete the Sell Price section i Enter the base rate in the Base...

Страница 260: ...nd Commitment Extension fields b Complete the Investor field c Complete the Investor Loan No Commitment No Investor Program Commitment Type and Rate Sheet Ref fields 7 Complete the Final Gain Loss Inf...

Страница 261: ...ost can also be prepopulated from a template The Conditions button located at the bottom of the workspace opens the Conditions screen which is used to track loan conditions To use the Underwriting scr...

Страница 262: ...ng The top portion of this screen contains general loan and borrower information Most of these fields are prepopulated with information that was entered in other screens 3 Complete the information in...

Страница 263: ...x LTV CLTV The LTV CLTV and HCLTV fields are populated from information that was entered in other screens g Select the documentation type from the Doc Type dropdown list h Enter the Credit Grade if ap...

Страница 264: ...ons 6 Complete the Insurance section The insurance information is also accessible by clicking the Insurance button on the Conditions and Closing screens Tip The Hazard Insurance and Flood Certificatio...

Страница 265: ...riting findings The AUS costs are totaled in the Total AUS field After you the underwriter receive the file review the Lock Exp Date field If the field is populated the loan was locked and the investo...

Страница 266: ...eld and the Suspense Reason s or the Decision Date field and at least one of the Denial Reason s fields are completed the Create Suspense Denial Notice button becomes enabled b If the loan was suspend...

Страница 267: ...ed to record information about the property appraisal Insurance The Insurance button opens the Insurance dialog box which contains information about the mortgage hazard and flood insurance for the pro...

Страница 268: ...edit and make the necessary changes 4 To generate a loan approval notice click the Create Loan Approval Notice button The Loan Approval Notice is generated and is automatically added to the document r...

Страница 269: ...click OK To cancel the e mail request click Cancel 8 To manually add any conditions into the Loan Conditions section a Click Add The Edit Condition dialog box is displayed The Created Date and Created...

Страница 270: ...ault conditions click Add Defaults The default conditions are added to the list 10 To select the conditions from a pre established list select Add Conditions from Pick List The Conditions Pick List di...

Страница 271: ...opens the Insurance dialog box which contains information about the mortgage hazard and flood insurance for the property Escrow Title The Escrow Title button opens the Escrow Title Information dialog...

Страница 272: ...heck box for the borrower or co borrower to indicate that their name is to appear on the title but that they are not obligated on the loan 4 Specify whether the borrower is only a co signer by selecti...

Страница 273: ...in a flood zone enter the zone in the Flood Zone field and select the Subject Property Is in a Flood Zone check box 8 Select the Certification Type from the dropdown list Tip If the flood certificatio...

Страница 274: ...aw on HELOC field The remaining data is provided in this section for informational purposes 10 Click the Program Lock Details button to access the Program Rate Lock Details dialog box Select the tab t...

Страница 275: ...quest for the documents from the selected investor e After the documents are requested click View Documents at any time to view and print the documents If you are not using the service of a document p...

Страница 276: ...bed in the Good Faith Estimate The information on this screen also helps you to ensure that the transaction balances and that the profitability of the loan are at or above the target that was establis...

Страница 277: ...lds To override the automatically generated value in the MERS field select the check box and enter the MERS manually 4 Complete the Loan Sale section a If not prepopulated enter the Loan Sale Price b...

Страница 278: ...perations budget This figure can be calculated differently depending on the lender s business model Enter this figure manually or use a template to avoid repetitive data entry e Point calculates the N...

Страница 279: ...was previously entered in other Point screens 3 Complete the Closing Agent section Enter the information manually or use the Cardex database to populate these fields 4 If not prepopulated enter the In...

Страница 280: ...who should be notified when the funds from the warehouse lender are deposited in the bank account in the To the Attention of field g Enter the name of the person who is authorized to sign on the lende...

Страница 281: ...timated Interest Earned from the Estimated Gross Cost d Select the type of warehouse advance that the lender is requesting from the warehouse lender from the Advance Type dropdown list e In the Commit...

Страница 282: ...payment Scheduled Date field f Enter the date when the lender actually repaid the warehouse advance to the warehouse lender in the Repayment Actual Date field g Enter the date when the lender sent the...

Страница 283: ...to the document when it is recorded c Enter the Assumption Fee Attorney Fee and Trustee Fee if applicable d Enter the Requested By Name and Witness Name e Enter the lender s post office box that is o...

Страница 284: ...ate that the recording was notarized in the Notary Appearance Date field c Complete the Commission Exp Date Commission in State and Commission in County fields d Enter the names of the persons whose s...

Страница 285: ...om the shipping file that must be obtained before shipping the loan to the correspondent investor To use the Shipping screen 1 Open a borrower file 2 Select Banker Shipping 3 If not prepopulated enter...

Страница 286: ...that was purchased by a correspondent investor To use the Trail Documents screen 1 Select Banker Trail Documents The Investor and Loan Sale Date fields are automatically populated from other screens T...

Страница 287: ...nter the amount of the late fee charged to the lender for late or non delivery of the requested document the date when the fee was assessed and the date the fee was paid h To add multiple documents cl...

Страница 288: ...og box is accessible by clicking the Loan Program Details button on the Secondary Marketing screen or the Program Lock Details button on the Conditions and Closing screens To access or complete the Pr...

Страница 289: ...the loan file 3 Edit the rate and payment information as needed 4 Click the Buydown tab to view the temporary buydown information rates and terms The Buydown tab contains information about the buydow...

Страница 290: ...information The Appraisal Information dialog box is used to record detailed property appraisal information It is accessible by clicking the Appraisal button which is located at the bottom of the works...

Страница 291: ...t 6 Click OK to exit the dialog box Insurance information The Insurance dialog box provides easy access to mortgage hazard and flood insurance information It is accessible by clicking the Insurance bu...

Страница 292: ...rance tab will contain the premium details if they were entered on another screen 2 Edit the information as needed 3 Click Hazard to view the hazard insurance policy information 4 Edit the insurance i...

Страница 293: ...m of the workspace in the Conditions and Closing screens Tip The Flood dialog box is automatically populated when flood insurance is requested through the Point Services interface Important Informatio...

Страница 294: ...in the Ref No field 5 Enter the information for the company that is to receive the wire transfer 6 Complete the ABA Account Ref Further Credit and Account fields and click OK Tip You can enter the co...

Страница 295: ...were requested through the Point Services interface Important Information is retained in each tab when you switch to another tab However you must click OK when you exit the dialog box to permanently...

Страница 296: ......

Страница 297: ...es Second or equity line mortgages on investment or second home properties Creating standalone second mortgages A standalone second mortgage is a second mortgage that is not used for the specific purp...

Страница 298: ...ect or borrower file 2 In the Prospect Information or Borrower Information screen select Primary as the property type First Mtg as the lien position and Cash Out Refi or No Cash Out Refi as the purpos...

Страница 299: ...d Mortgage b In the Search Select a File to Link To dialog box enter the search criteria to help you locate the file to which you want to link c Select the file from the results and click OK Point syn...

Страница 300: ...ns dialog box is displayed 5 In the First Mtg field enter the first mortgage payment amount The amount of the second should already be in the Other Fin field Both values are also populated in other sc...

Страница 301: ...10 When using a first and second loan for a purchase the first loan is usually for 80 of the value of the home the second loan is for 10 and the remaining 10 is the buyer s down payment Related inform...

Страница 302: ...ields should both show 80 d Click the Sub Financing button The Subordinate Financing Information dialog box is displayed Note Two fields for subfinancing information are available in the Details of Tr...

Страница 303: ...OK in the Mortgage Insurance dialog box or check the lock box to enter a custom value 4 Open the Good Faith Estimate and enter the fees for the first loan 5 Open page 4 of the Loan Application and co...

Страница 304: ...r the second mortgage Term Due The Term Due Mth Pmt Second mortgage monthly payment Field Value Purchase Price a Same as the 1st mortgage file Subordinate financing j Blank For Sub Financing Only sect...

Страница 305: ...ter the first mortgage information in the Sales Price Appr Value Loan Amt Interest Rate and Term Due fields c Enter 20 in the Down pmt field The LTV and the CLTV fields should both contain 80 d Click...

Страница 306: ...d mortgage and click OK c Complete the hazard insurance taxes and mortgage insurance information 4 Open page 4 of the Loan Application and verify that the Subordinate Financing field field j in the De...

Страница 307: ...e Loan Application and verify that the Proposed Monthly Housing Expenses including the First Mtg Other Fin HazIns Taxes and other fee fields match the values in the first mortgage file 6 Open page 4 o...

Страница 308: ...ee financed m Second mortgage amount Loan Amount o The total second mortgage amount m n Related information For more information about completing the Good Faith Estimate see Good Faith Estimate on pag...

Страница 309: ...struction duration in months in the Period field or click Calendar and enter the estimated date range of the construction The number of days is automatically calculated b In the Int Rate and Req Rsv f...

Страница 310: ...he construction 5 If the loan requires a reserve enter the amount of the reserve in the Req Rsv field Otherwise leave the field blank Creating construction loans with required reserves Complete the Lo...

Страница 311: ...cc Rate fields for the subject property 3 Open page 2 of the Loan Application and complete the following information in the Monthly Income and Combined Housing Expense Information section a Complete t...

Страница 312: ...indicate the property is a rental d Enter your primary residence and any additional real estate Leave the S PS R field blank for these properties 6 Open the Transmittal Summary 1008 and verify the fol...

Страница 313: ...Related information Refer to Chapter 5 Loan Application for more information about the Loan Application Refer to Chapter 6 Disclosures and other forms for more information about the Borrower Informat...

Страница 314: ......

Страница 315: ...e from the Services menu Enabled providers are selected from the request screen for the service being ordered Interfaces The Interfaces function provides access to participating vendors that have inte...

Страница 316: ...ist 3 To enable the entire lenders interface select the Enable lender interfaces check box 4 Click OK Lenders Lenders that are partnered with Calyx provide access to their services from Point You can...

Страница 317: ...services that they offer 3 To continue the approval process navigate to the lender s broker approval page 4 Complete and submit the required information 5 When the request is approved a link similar...

Страница 318: ...me verification Each option uses a similar process to request view and print the information Services are accessible from the Services menu Requesting services Services are accessible from the Service...

Страница 319: ...type of request 2 Select the agency that you want to provide the service from the dropdown list In this case select the name of credit agency to use for the loan The vendor telephone number and web p...

Страница 320: ...ed provider is displayed 8 Enter your user ID and password and click OK Some providers require an account number and branch ID If so the fields are enabled in the login dialog box The Account Number B...

Страница 321: ...Request Certificate URL page Follow the agency s instructions for obtaining the certificate If an agency requires a certificate and one is not installed on the machine when a request is submitted the...

Страница 322: ...ocument repository and the ordered and received dates are automatically updated in the loan checklist and basic documents if those date fields are empty Retrieving printing and saving service requests...

Страница 323: ...choice click the Save icon 5 Click Close when finished with the file When only a single document is returned for the following services selecting the View menu option opens the document in pdf or HTM...

Страница 324: ...ve the fields that were corrected from the list After all fields are corrected click Refresh to close the dialog box and return to the request dialog box 3 Click Submit to resubmit the request AVM rep...

Страница 325: ...disclosures and closing documents interface You must specify the investor and product before you request the documents If a product and investor are not specified an error will occur when the request...

Страница 326: ...2 Select Services Closing Documents Select Product or Services Initial Disclosures Select Product The Select Product window is displayed The first time this screen is accessed the Select Product list...

Страница 327: ...vider and click Submit Depending on the document provider you also might be required to enter your account number and branch ID The Account Number Branch ID and User ID are automatically saved for fut...

Страница 328: ...click Select Product The investor and product information are selected Ordering initial disclosures and closing documents After you select the product and the investor you can order the initial disclo...

Страница 329: ...f the provider does not offer e mail delivery of the documents the Disclosure eDelivery field is disabled 4 Select the request type enter the order reference number if applicable and click Submit Trou...

Страница 330: ...ts is successful the TIL Discl GFE ordered and received dates are automatically updated in the loan checklist and basic documents if those date fields are empty Tip To view disclosure and closing docu...

Страница 331: ...click Go To Field to access the screen with the field that caused the error If there is a field that is not included in Point but is required by the document provider the Vendor Specific Data screen...

Страница 332: ...xceptions apply when ordering credit reports Some credit reporting agencies require that a user authentication certificate be installed on the computer where the request is being made before a request...

Страница 333: ...n the Credit Card Payment dialog box 3 Select either Pay with borrower s credit card or Pay with my credit card 4 Complete the Cardholder Billing Information section Model name type Min score value Ma...

Страница 334: ...e imported into the loan file when the credit report is generated With the Populate Liabilities dialog box you can specify which accounts to add to the Loan Application and which accounts to ignore To...

Страница 335: ...wer s liabilities by using the Ignore Import Ignore 0 Balance and Ignore Closed buttons 3 Click Populate The Loan Application is populated with the liabilities If you click Don t Populate the Loan App...

Страница 336: ...n Request Flood again at a later time and select Check Status of Pending Order If an error occurs during the request process a message is issued that indicates the cause of the problem and the action...

Страница 337: ...ccount that is established to hold borrower funds for the property sale and disburse them when the transaction is complete Point stores all the title reports that were requested for a file in the docu...

Страница 338: ...e of request you are making from the list of title options The Order New File option is selected by default if a previous order was not submitted for the current loan file d Enter the order ID number...

Страница 339: ...to send the document from the document repository or send a file from your computer and click the Browse button that corresponds to your selection n If you selected Send from Document Repository the...

Страница 340: ...est is submitted 3 If you are ordering escrow select the Escrow check box and complete the information in the Escrow tab The Escrow tab contains information that is needed to set up escrow These field...

Страница 341: ...the provided field j Enter the escrow number in the Escrow Order Number field k To include an additional document with the request select Send Document to Title Company and click Select The Select Fi...

Страница 342: ...ory and type and click Add iv Click OK in the Select File dialog box The document path is entered in the Send Document to Escrow Company field and will be sent when the request is submitted 4 Complete...

Страница 343: ...populated in the Co Borrowers section Any additional co borrowers are also listed here b Edit the borrower information if necessary c To edit the co borrower information select the co borrower you wan...

Страница 344: ...Calyx Software Integrated products and services 5 Select the Order Details tab Most of the information in the Order Details tab is automatically populated from other screens Enter any missing informat...

Страница 345: ...information is automatically populated in the Agents tab Enter any missing information in the Broker Lender and Seller sections 7 Select the Payoffs tab and record the information about the debts to b...

Страница 346: ...and services a Select the lien position of the first debt to be paid b Complete the Payee Name Account No Amount and Liability Type fields To import an existing liability from the Loan Application cl...

Страница 347: ...uses The Work Number to retrieve employment information for borrowers The Work Number provides payroll and human resources services including online employment and income verification If a borrower s...

Страница 348: ...Before using The Work Number to verify a borrower s income you must obtain a salary key from the borrower which authorizes you to access their information If the borrower does not have a salary key t...

Страница 349: ...ious request has been made for the borrower 4 Select the verification type Employment Employment and Income 5 Select the employment status Current Employment Previous Employment Current and Previous E...

Страница 350: ...n is displayed Populating employment into the Loan Application You can populate selected data from the employment verification to the Loan Application To populate the Loan Application with the employm...

Страница 351: ...it possible to exchange data without having to exit the application The Fannie Mae and Freddie Mac interfaces enable you to request a variety of online services Any information that you enter into th...

Страница 352: ...ower file 2 Select Interfaces Closing Docs The Closing Docs Interfaces dialog box is displayed 3 Select the vendor you want to use and do one of the following To open the vendor s web site click More...

Страница 353: ...ndor s web site 5 Follow the instructions provided by the vendor to order services or work with the data You can return to Point at any time The Closing Docs option is used in the following example to...

Страница 354: ...open a dialog box that contains vendor contact information and a link to their web site click More Information To open the Point interface with the vendor click OK An automatic installer is available...

Страница 355: ...log box is displayed The log contains a list of transactions and the date and time they occurred 3 Click OK to close the log Fannie Mae Use the Fannie Mae interface to interact with Desktop Originator...

Страница 356: ...onnectivity dialog box is displayed 3 Select Desktop Originator or Desktop Underwriter to specify where to connect 4 Specify general preferences by selecting the corresponding check box 5 Enter your u...

Страница 357: ...r screen Navigating the Fannie Mae screens Use the three tabs at the top of the Fannie Mae screen to toggle between Point and the Fannie Mae web site The following tabs are available from the Fannie M...

Страница 358: ...nal 3 Populate any other fields as necessary 4 Click the Desktop Originator tab to connect to the Fannie Mae web site The Fannie Mae Login dialog box is displayed 5 Enter your user ID and password Aft...

Страница 359: ...e the utility on the Loan Application to match real estate to liabilities Submitting a loan for underwriting Related information For more information about matching REOs and liabilities refer to Match...

Страница 360: ...the lender you can either select from a list of products or select multiple products 7 Select Interim or Final 8 Click Submit 9 When the Underwriting Status field on the screen shows Complete view the...

Страница 361: ...a new credit report and click Next 4 Complete the following Credit Agency Credit Agency Login Auto populate liabilities Jointly or not jointly for borrower type Reference number to reissue a credit re...

Страница 362: ...y NOTP number Loan Prospector password Credit Company To enable the connection to Freddie Mac 1 Contact Freddie Mac to create an account and obtain your user ID and password 2 Select Utilities Freddie...

Страница 363: ...Before you can submit the loan to Freddie Mac Loan Prospector you must complete the Freddie Mac Addendum To complete the Freddie Mac Addendum 1 Open a borrower or prospect file 2 Select Interfaces Fre...

Страница 364: ...estate to liabilities Attention The Project Classification check boxes on the Freddie Mac Addendum do not correspond to the Freddie Mac Project Classification check boxes on the Transmittal Summary T...

Страница 365: ...ton or select Interfaces Freddie Mac Loan Prospector to open the Freddie Mac interface screen 5 Click Send Loan to LP The Submit to LP dialog box is displayed 6 Select the type or types of service you...

Страница 366: ...s sent to Point the loan file is updated automatically and the imported screens are listed in the Loan Prospector screen Tip Click any underlined link on the Loan Prospector screen for online Help Cau...

Страница 367: ...click the document you want to view Viewing the Loan Prospector Feedback Certificate To view the LP Feedback Certificate of a file you submitted to Loan Prospector without using Point 1 Select Interfa...

Страница 368: ...subscribe to Calyx WebCaster you can transfer loan information from Point to WebCaster prospective borrowers can submit online loan applications and your clients can access a detailed loan status repo...

Страница 369: ...login in the Notes to Borrower field 5 Complete the Administration Login information 6 To save your log in information for future access select the Save Password check box 7 Select the Resend All Stat...

Страница 370: ...n status and want to view the details 1 Update the loan status 2 Select Interfaces WebCaster View Loan Status 3 Log in to the WebCaster web site The updated loan information is displayed Related infor...

Страница 371: ...mplates Use loan programs templates to populate detailed loan information in the following screens Prospect Information Borrower Information Prequalification Amortization Loan Comparison Debt Consolid...

Страница 372: ...am Template screen is displayed 3 In the Loan Program Name field enter a brief descriptive name of the template This name displays in the loan program list when you select the template 4 Complete all...

Страница 373: ...all figures and ratios automatically Creating closing cost scenario templates To create a closing cost scenario template 1 Select the Templates tab from the navigation panel 2 In the Select a Templat...

Страница 374: ...standard fees that you would use for the loan type 5 Save the file Attention To create a template for the MLDS 1 In the closing cost scenario template select Forms MLDS CA GFE 2 Proceed as you would...

Страница 375: ...rom the navigation panel 2 In the Select a Template Category section select Prospect Master or Borrower Master and click the New button The Information screen is displayed 3 Complete all the relevant...

Страница 376: ...mplate to edit from the Select a Template Category 3 Select the template you want to modify and click Open 4 Modify the template as needed and save the file Deleting templates To delete a template 1 S...

Страница 377: ...ng a file in ASCII format click Advanced to open the Advanced Import Format Settings dialog box where you can define the text delimiters 5 In the Input Data File field enter the complete path name of...

Страница 378: ...templates Because the order of the rows in the data import template must exactly match the order of the columns in the file from which you are importing the data you might need to edit the template b...

Страница 379: ...70 of the most commonly used fields for data export Use this template as a basis for building your own or create new data export templates Creating a data export template from the sample A sample expo...

Страница 380: ...file 6 Click OK to accept the defaults and return to the data export sample template 7 To link to a merge file click Browse in the Document to Link to field and navigate to the file 8 In the Output D...

Страница 381: ...creen is displayed 3 Select the export format from the Export Format dropdown list If the application you want to export to is not available select custom ASCII format and proceed to Step 5 The defaul...

Страница 382: ...o the file 8 In the Output Data File field click Browse and navigate to the file that contains the data to export 9 Complete the table by entering information in a row for every column in your file 10...

Страница 383: ...ially loan status tracking Point offers several tools for streamlining your workflow You can use most of these tools used in both borrower and prospect files Point helps you accomplish the following C...

Страница 384: ...reports Address Labels Report Creates address information that can be used with Microsoft Word to create mailing labels Appraiser Report Vendor Tracks the amount of business by a particular Appraiser...

Страница 385: ...ry Report Reflects general information and status information about the loan Pipeline Report Identifies the status and comments for loans in production from a global perspective Processor Pipeline Rep...

Страница 386: ...llect report data from all data folders 3 Select the file types that you want to include in the report by using any combination of the Prospect Borrower and Include Co Borrowers check boxes Important...

Страница 387: ...ns to include in the report or select All to include loans of any status 8 To filter only loans that were in a certain status during a specific time period select a loan status from the Status Date dr...

Страница 388: ...r ensuring that loans are timely processed It differs from the other standard reports because it does not automatically include every loan in the pipeline It lists only the loans and their correspondi...

Страница 389: ...r that day Business Summary report with Excel The Business Summary Report contains several panels Several viewing options are available for the data in this report You can access them through the butt...

Страница 390: ...ort contains several panels Several viewing options are available for the data in the report You can access them through the buttons at the top of the report The viewing options are described on the f...

Страница 391: ...total data calculation or to select a specific year for which you want to view the data Double click one of the amount rows to display a table full of data for the name shown in the heading as shown b...

Страница 392: ...essary data in the table you can then view a chart of the information by clicking the Dash Board button Customizing Use the dropdown arrow to remove a loan representative from the total data calculati...

Страница 393: ...tative for which you want to view the data Loan Profit Summary Banker with Excel The Loan Profit Summary Report Banker with Excel displays several panels Several viewing options are available for the...

Страница 394: ...tomizing Use the dropdown arrow remove a warehouse lending value from the total data calculation or to select a warehouse value for which you want to view the data Loan Pipeline Report with Excel The...

Страница 395: ...ork You can also view the loans by status or check all status types Detail Status Displays a detailed table of the loans in the pipeline It is displayed alphabetically by filename Loan Status Report w...

Страница 396: ...ype of function in the Search for a function field and click Go Options that best match your entry are displayed in the Select a function section Select the function that you want to use from the list...

Страница 397: ...the reports that are supplied with Point meet your requirements create your own templates that fulfill your business needs Specifying data content To specify the criteria to include in a report or mar...

Страница 398: ...existing template to use as your source The following example shows a blank template 4 Enter a name for the template in the Report Title field 5 Enter a template description in the Description field 6...

Страница 399: ...Display field IDs Field pop up help You can also use the Microsoft Excel file that is included in Point which contains a comprehensive list of field IDs and the screens where they are located The file...

Страница 400: ...are available f Specify the width of the column in the Width field 7 Repeat Step 6 for all fields that are to be included in the report Greater than or Equal to The value in the corresponding field is...

Страница 401: ...in the second Then by dropdown list 2 For each option that you specified in the Sort by dropdown lists select Ascending or Descending Group by or Page break to specify the record format Ascending Desc...

Страница 402: ...utput in Point Report Viewer 1 Select Display result in Point Report Viewer in the Output Options section 2 Specify whether editing saving or printing the report is allowed by selecting the correspond...

Страница 403: ...o create a report template to generate report output into a preformatted Microsoft Excel file 1 Select Display Result in Excel in the Output Options section 2 Select Result in a pre formatted Excel fi...

Страница 404: ...in Mail Merge mode Add Link Link to an existing mail merge document Edit Link Change any information in the mail merge document before linking Unlink Unlink a mail merge document Related information R...

Страница 405: ...Label Templates section select an option to use for address label If you select Select when generating you are prompted to select from a list of Avery labels when you generate the report c Click OK 4...

Страница 406: ...rge document Click Unlink The document is no longer linked to the template and can be linked to a different mail merge document Manipulating report output After a report is generated you can manipulat...

Страница 407: ...try 4 Define the operator or condition to use in the second column Depending upon the characteristic of the field text numeric or date the following operators are available 5 Specify the value that th...

Страница 408: ...and 1 000 000 that funded after April 24 2007 your second filter will resemble the following example 9 Repeat Step 2 through Step 6 until you are finished filtering data 10 To return to the original...

Страница 409: ...or each option that you specified in the dropdown lists select Ascending or Descending to specify the order of the records in the report 4 Select the Group by check box to group the records by the opt...

Страница 410: ...ge value of the column entries Count Calculates the total number of entries in the column Repeat this step for each column 3 Click OK when you are finished Saving and exporting reports in Point Report...

Страница 411: ...omma Uses a comma as the field delimiter return Uses a return as the field delimiter each field is on a separate line in the report Record Separator The Record Separator separates each record with the...

Страница 412: ...Results screen shown in the following example to process and view the data Keep report results open check box When selected keeps the report open and available in the Reports Marketing tab if you swi...

Страница 413: ...ns by status or check all status types Yearly Trend Displays a table of the loans by representative and yearly trend Range Analysis Displays the number of loans within certain FICO score ranges and th...

Страница 414: ......

Страница 415: ...idating consumer debt Comparing loans Comparing renting to owning Prequalification Document Description Address Labels Property Address Generate address labels for the property address ARM Refinance N...

Страница 416: ...any status 8 To filter only loans that were in a certain status during a specific time period select a loan status from the Status Date dropdown list and specify a date range in date fields 9 Click Ge...

Страница 417: ...various standard Avery label sizes When the report generation is complete a Point Report Viewer document is displayed that contains the records that are produced from the report 11 To prevent a lette...

Страница 418: ...ds are merged into the e mail that you selected and are output to a Microsoft Word document 13 Click Send Email to send the letters The Microsoft Word document is attached to an e mail and sent to the...

Страница 419: ...the dropdown list select Other Point Fields Not Listed Above click Insert enter the field ID click Insert and click OK For example to create a letter to send to a borrower at their current address a S...

Страница 420: ...rm 5 When you are finished creating your form or letter click Save and then click Close Point creates a Word document with the file extension pcd Tip You can also insert merge fields in the body of th...

Страница 421: ...ed is added to Point 6 Edit the document to add any merge fields and replace the fields that were lost during the import 7 Click Close to save and close the form Related information For information ab...

Страница 422: ...ormation on a form Your name Your business name Your address phone and fax numbers Prospect s name Property address Name address phone and fax numbers of the agent for whom the printout is prepared Re...

Страница 423: ...n in the flyer modify or complete the values in the Loan Comparison screen 4 Click the Prepared For button 5 In the Prepared For dialog box enter the name and contact information of the realtor or per...

Страница 424: ...ad The Marketing Letterhead Setting dialog box is displayed 2 Click Browse to locate the path of the graphic or type the path information The default directory is C PNTTEMPL Images 3 To position the l...

Страница 425: ...tion screens To use the Personal Information dialog box 1 Open a borrower or prospect file 2 Click the Personal Info button 3 Record the borrower and co borrower s interests in the Borrower Interests...

Страница 426: ...erest note any meetings you have scheduled with the client indicate the next date to contact record the source of the referral and record any comments Access the Contact Information dialog box by clic...

Страница 427: ...t discussions Every file in Point includes a conversation log to record your interactions with prospects and borrowers Each entry is date and time stamped and with the most recent entry listed at the...

Страница 428: ...date stamped when it is entered in the conversation log Items are listed in reverse date order The first 100 characters of each entry are visible in the main Conversation Log dialog box Entries with...

Страница 429: ...kly GPM Negative amortization Construction Complete the screen by completing those fields not already populated from other screens Use loan program templates to run amortization schedules for prospect...

Страница 430: ...ll change each period 8 In the Life Cap __ field enter the difference between the starting note rate and the ceiling to which the note rate can adjust 9 In the Margin __ and Index __ fields enter thos...

Страница 431: ...b In the Adj Period__mths field enter the number of months that the payment should change c In the Recast Pd Stop __ __mths fields enter the number of months until the loan is re amortized to pay off...

Страница 432: ...borrower file 2 Select File Print 3 In the Borrower Forms dialog box select the Amortization Schedule 4 Click Print 5 In the Amortization Print Options dialog box specify the number of years to print...

Страница 433: ...edit service in Point Using the Debt Consolidation Worksheet saves the step of manually entering liabilities To access the Debt Consolidation Worksheet screen 1 Open a prospect or borrower screen 2 Se...

Страница 434: ...be Comparing loans Point provides tools to compare loans to show prospects the benefits costs requirements and other information that they can use to make and informed decision before determining whic...

Страница 435: ...nario to select a closing cost scenario 6 Enter the sales price and down payment in the Sales Price and Down Pmt fields For refinance alternatives enter only a loan amount 7 Enter or edit the data in...

Страница 436: ...ating a sample comparison of FHA vs conventional loan Use the FHA Consumer Choice Disclosure Notice dialog box to specify default values for sample FHA and conventional loans for borrower comparison A...

Страница 437: ...rower file 2 Select Marketing Rent vs Own 3 In the Compare for __ months field specify the number of months for which you want to compute the benefit of ownership 4 In the Own section select the loan...

Страница 438: ...umn Total Benefit of Purchase second column Prequalification The prequalification tool is used to determine your prospect s ability to qualify for a mortgage Use the prequalification tool in Point to...

Страница 439: ...wn Pmt Max Prop Value Max Loan Limit Min Income Req d Max Debt Allowable Prequalifying by prospect To prequalify a prospect based on what they can afford 1 Open a prospect or borrower file 2 Select Ma...

Страница 440: ...he Max Loan Amt section of the Prequalification screen click Calc Point calculates the Maximum Property Value for which the borrower qualifies 10 Click Copy from Max Prop Value to populate the purchas...

Страница 441: ...or tasks Delete tasks Print tasks The Task Manager is accessible from the Tasks tab in the navigation panel At a minimum you must have read only access to a data folder to view or add comments to any...

Страница 442: ...rrent date 7 Select High Medium or Low from the Priority dropdown list 8 Enter any additional information about the task in the Comments field Tip You can also access the Create New Task dialog box fr...

Страница 443: ...emind me check box and enter a date and time for the reminder 13 Click Save to save the task Requirement All tasks must be associated with a loan file If you do not select a loan file an error will oc...

Страница 444: ...ta as needed Click Close to return to the Reminders dialog box Open Loan Opens the loan that is associated with the selected task Searching for tasks Use the Search function accessible from the Tasks...

Страница 445: ...task click New 6 To view or edit a task select the task and click Open 7 To delete a task select the task and click Delete 8 To print a task or a task list select the task and click Print 9 To open t...

Страница 446: ...ion from the dropdown list and click OK Searching for tasks advanced search Use the Advanced Search function to define more specific search criteria to further refine your search To perform an advance...

Страница 447: ...ction Click Select all to select all names or click Deselect all to deselect the selected names 5 To specify the status or priority of the tasks select the applicable criteria in the Status and Priori...

Страница 448: ...tch the search criteria are displayed in the work space Editing tasks To edit a tasks 1 Select the Tasks tab from the navigation panel 2 Select a task and click Open to open the Task Details dialog bo...

Страница 449: ...date and time the task was reopened 6 To change the priority select a new priority from the Priority dropdown list 7 To change the reminder date and time enter a new date and time 8 Click Save to clo...

Страница 450: ...ints the entire task list 6 Select one of the following output options and click Print Print task summary The summary format is a list of the selected tasks that contains only the priority subject due...

Страница 451: ...cess the Current Tasks dialog box 1 Open a prospect or borrower file 2 Select Utilities Show Tasks or click the Show Tasks icon on the toolbar to open the Current Tasks dialog box You can create open...

Страница 452: ......

Страница 453: ...g an import template Borrower master file Fannie Mae Desktop Originator or Desktop Underwriter files on the local machine Point for DOS Importing txt files You can import ASCII data into new and exist...

Страница 454: ...rt is completed Importing Point for DOS files To import a file in Point for DOS format into Point 1 Open a new or existing prospect or borrower file 2 Select File Import From Point for DOS The Import...

Страница 455: ...List of Data Imports screen is displayed which contains your import templates 2 Select the import template to use for the import and click Open Tip You do not need to use a template when converting fi...

Страница 456: ...xt that is contained within double quotation marks is considered one value single quotation mark Uses single quotation marks as the text qualifier Text that is contained within single quotation marks...

Страница 457: ...s in that directory with the fnm extension 6 Select Prospect or Borrower to specify the loan file type 7 Click Start Import to import the files Data export Point interfaces with Microsoft Windows appl...

Страница 458: ...File Name field or locate and select a file 6 Click Save to initiate the export process The data in the current file is exported using the selected export template Exporting files to Point for DOS To...

Страница 459: ...the file that contains the data you want to export 2 Select File Export to Freddie Mac LP 2 1 3 In the Export Data to Freddie Mac LP 2 1 dialog box name the file and click Save the file is saved in fr...

Страница 460: ...Click OK to confirm the export Related information For more information about data export see the following Knowledge Base articles 0100 Exporting data from Point to Microsoft Access 2003 0118 Exporti...

Страница 461: ...x database by selecting Utilities Cardex Database or by clicking the Cardex icon on the toolbar Upon launching Cardex the Cardex Database Browsing for all records dialog box is displayed The dialog bo...

Страница 462: ...Referrals Title Companies To create a Cardex category 1 Select Utilities Dropdown Lists Cardex Category The Dropdown List Cardex Category dialog box is displayed 2 To add a category select Add enter...

Страница 463: ...e mail or the web site from this dialog box 4 Complete the address and telephone number fields 5 Enter any comments about the contact or company in the Notes field Related information For more inform...

Страница 464: ...Close to exit the Cardex Record dialog box Editing database entries To edit a record in the database 1 Select Utilities Cardex Database to open the Cardex Database Browsing for all records dialog box...

Страница 465: ...t the bottom of the list The original record remains intact 3 Open the copied record and edit as needed Deleting records To delete a Cardex record 1 Select Utilities Cardex Database to open the Cardex...

Страница 466: ...ied text in the selected field For example a company search for aa will produce all records with companies that begin with aa Aardvark Plumbing AAA Pest Control Aaron s Notary Service and so on Matche...

Страница 467: ...can search on any criteria in a record 3 Enter the search criteria in the corresponding field and click Search The records that match your search criteria are displayed in the workspace Printing Carde...

Страница 468: ...default printer Printing individual records To print a single Cardex record 1 Select Utilities Cardex Database to open the Cardex Database Browsing for all records dialog box 2 Open the record you wan...

Страница 469: ...the Cardex symbol next to the Company field label 3 Select the Company field and click the Cardex icon on the toolbar The Cardex Database Browsing for all records dialog box is displayed 4 If needed p...

Страница 470: ...lated in the fields 5 Select a category for the record and add any additional information 6 Click Save Close to save the record Data import and export Use the import and export functions to import and...

Страница 471: ...yed 3 Select the Other Cardex file radio button and click Next The Import Source dialog box is displayed 4 Click the ellipsis button to navigate to the file to import Select the file and click Finish...

Страница 472: ...Table Mapping dialog box is displayed 6 For each Cardex field select the Outlook field to map it to from the corresponding Mapped from dropdown list Map as many fields as needed Unmapped fields will r...

Страница 473: ...displayed 5 Select the Field Separator and Text Qualifier Field Separator The Field Separator separates each field in the report with the specified delimiter The default option is tab tab Uses a tab...

Страница 474: ...og box is displayed 8 For each Cardex field select the field to map it to from the corresponding Mapped from dropdown list Map as many fields as needed Unmapped fields will remain empty 9 Click Finish...

Страница 475: ...lt option is none none No text qualifier is used double quotation mark Text that is contained within double quotation marks is considered one value single quotation mark Text that is contained within...

Страница 476: ......

Страница 477: ...porting screen is available from the Tracking menu in every prospect and borrower file This screen contain most of the information that HUD requires for HMDA After you complete the HMDA Reporting scre...

Страница 478: ...port more than 25 line entries must submit the data in an automated machine readable format such as one of the following formats FFIEC HMDA Data Entry Software CD ROM Diskette The hmda dat file that i...

Страница 479: ...ing address for non electronic submissions Related information HUD has recently transferred HMDA data to the Federal Reserve Board For additional information about the submission process contact HMDA...

Страница 480: ......

Страница 481: ...lable in the Point Administrator Create data folders Copy data folders Establish data folder access rights for users Change the directory where templates are stored Point Data Server settings Accessin...

Страница 482: ...the folders are listed in the dropdown lists Establishing initial ownership of the Primary Data Folder Establishing initial ownership of the Primary Data Folder ensures more data security and file con...

Страница 483: ...ogin dialog box is displayed 4 Enter a password in the Password field and click OK 5 Re enter your password in the Password Verification dialog box Tip If you already established ownership of another...

Страница 484: ...fy Available to Users Yes to make the folder available to network users Specify No to make the folder unavailable to network users 8 Click OK to return to the Data Folder Manager Owned folders have a...

Страница 485: ...the Verify Password dialog box and click OK The Create New Data Folder dialog box is displayed 5 Create a new directory by entering the path and directory name If the folder already exists enter the...

Страница 486: ...11 Click OK to return to the Data Folder Manager Copying folder settings Use the copy folder settings function to copy the folder settings such as company defaults and dropdown lists from one data fo...

Страница 487: ...ttings 5 In the TO dropdown list select the destination folder 6 Click Copy A confirmation message is displayed to indicate that the data folder settings were copied successfully Modifying data folder...

Страница 488: ...To make the folder unavailable to users on the network select No Keep the Yes default to keep the folder available to network users 6 Click OK to return to the Data Folder Manager Connecting to existi...

Страница 489: ...wse to navigate to the folder to connect to or enter the folder path manually 5 Click OK The data folder is added to the Data Folder Manager Disconnecting data folders To remove access to a data folde...

Страница 490: ...Yes to confirm Changing the order of folders in dropdown lists It is possible to arrange the order of folders in the data folder dropdown lists by changing the order in the Data Folder Manager To chan...

Страница 491: ...re possible Read and write access to all files Read and write access to only the files for the processor or representative Read only access to all files Read only access to only the files for the proc...

Страница 492: ...Point Administrator 2 Click Setup Users in the Users section The User Manager dialog box is displayed 3 Select the folder to set the properties for from the Data Folder dropdown list 4 Click New User...

Страница 493: ...Secured Area check box The following areas are secure in Point Important The name must match exactly as it was created in the Processor or Representative dropdown list in the Dropdown list utility Im...

Страница 494: ...is not necessary to repeat the setup process for each folder a user can access To copy user settings 1 Open Point Administrator 2 Click Copy Users and enter the Supervisor password if prompted Importa...

Страница 495: ...st in the TO section select the folder to copy the settings to 5 To copy all users click Copy All Users 6 In the Copy User Settings Confirmation dialog box click Yes to confirm the copy The Copy User...

Страница 496: ...lick Setup Users to open the User Manager dialog box 3 Select the folder from the Data Folder dropdown list 4 Select the user to delete 5 Click Delete User and click Yes to confirm the deletion To rem...

Страница 497: ...user groups to make administration more efficient and manageable A user can change their password at any time without affecting the access rights they ve been granted Use the Point Data Server Settin...

Страница 498: ...u have network connectivity to the Point Data Server 7 Click OK to save the configuration Requirement The security key is case sensitive and must match the key exactly Related information For more inf...

Страница 499: ...must be calculated at the time the report is generated to ensure that the value included the report is correct New IDs were Examples Example 1 The Government Monitoring section on page 4 of the Loan A...

Страница 500: ...to be compiled in the report Example In the Gross Monthly Income section on page 2 of the Loan Application the borrower s income and income sources are listed and are totaled To ensure that the corre...

Страница 501: ...ct Information 915 First 916 Second FS Equity Prequalification 525 EQUITY Ethnicity borrower HMDA Reporting Loan Application page 4 2821 Hispanic Latino 2822 non Hispanic Latino HBETH Ethnicity co bor...

Страница 502: ...enial 2 6219 Denial 3 HREASON HREASON2 HREASON3 Report as a HOEPA loan HMDA Reporting 6282 HHOEPA Sex borrower HMDA Reporting Loan Application page 4 1495 Female 1496 Male HBSEX Sex co borrower HMDA R...

Страница 503: ...as specified in the Docs Due In utility LATEVOD Late VODs Compiles a list of late verifications that were documented in the Verification of Deposit tracking screen and combines them into one field in...

Страница 504: ...iscellaneous documents that are not yet received OUTSTANDINGVERIFSCOUNT Outstanding Verifs Count Provides a count of verification requests that are not yet received PDAY Days Processed Uses the date i...

Страница 505: ...costs The APR is calculated by spreading these charges over the life of the loan which results in a rate higher than the interest rate shown on your Mortgage Deed of Trust Note If interest were the o...

Страница 506: ...and phone numbers of people companies and institutions relating to your business This information can be inserted into many of the forms in Point Cash out Refinance A type of mortgage refinance where...

Страница 507: ...without discrimination based on race color religion national origin age sex marital status or receipt of income from public assistance programs EDI Electronic Data Interchange Doing business carrying...

Страница 508: ...erging of features by letting borrowers choose to fix an interest rate for the first three five or seven years following the note date index A published interest rate against which lenders measure the...

Страница 509: ...zation Occurs when monthly payments are not enough to pay all the interest due on the loan This unpaid interest is added to the unpaid balance of the loan The danger of negative amortization is that t...

Страница 510: ...t is calculated by dividing the total monthly mortgage payment the monthly recurring debt by the gross monthly income Ratio Guidelines 80 LTV 33 38 90 LTV 28 36 95 LTV 25 33 REO Real Estate Owned TCP...

Страница 511: ...anding liabilities and debts for the borrower or co borrower VOM VOMR Verification of Mortgage Rent A document usually signed or verified by the borrower s landlord or property management company veri...

Страница 512: ......

Страница 513: ...ated Business Disclosure 150 agency case number in loan application 97 agents escrow and title requests 327 tracking 232 aggregate escrow account GFE 119 amortization loan program template 353 negativ...

Страница 514: ...New Lock Requests 366 Warehouse Aging 366 Warehouse Reconciliation Profit Summary 366 banker screen buttons described 25 basic documents adding to loan checklist 217 adding user defined documents to l...

Страница 515: ...inting detail format 449 summary format 449 searching for records 448 sorting 447 transferring contact entries from a loan file 451 transferring data to a loan file 451 cars entering as assets in loan...

Страница 516: ...raised Value for FHA loans 188 Fannie Mae loan application 340 FHA MCAW Purchase for FHA loans 189 FHA MCAW Refinance for FHA loans 191 FHA 203 k Worksheet for FHA loans 186 GFE for FHA purchase loans...

Страница 517: ...from multiple providers 347 order status checking 300 ordering 300 populating liabilities into the loan application 316 printing 304 retrieving 304 services 314 using credit card to purchase 315 viewi...

Страница 518: ...ing Act 150 Flood Insurance 151 GFE Provider Relationships 127 Good Faith Estimate 119 Initial ARM 128 Initial ARM completing 128 Mortgage Loan Disclosure Statement MLDS GFE CA non traditional loan 14...

Страница 519: ...nt repository 210 loan files 75 90 210 receiving pcf files 93 standard marketing letters 399 pcf files 90 employment information entering in loan application 102 employment verifications described 197...

Страница 520: ...ations 182 specifying allowable fees on GFE 122 Statutory Requirements Worksheet 182 up front mortgage insurance 174 203 k Maximum Mortgage Worksheet 190 FHA MCAW Purchase completing for FHA loans 189...

Страница 521: ...160 Request for Title Commitment 160 Self Employed Income Analysis 155 shortcut bar 60 Statement of Credit Denial Termination or Change 160 Tax Authorization Form 8821 162 Tax Information 1098 Data 16...

Страница 522: ...io in transmittal summary 167 help resources xii help enabling field pop up help 65 High Cost Loan Disclosure 136 HMDA registration 41 HMDA Home Mortgage Disclosure Act background data 459 Federal Res...

Страница 523: ...ly loans specifying term 134 Interests report 366 Interface Transaction history log 337 interface vendors enabling and disabling 297 interfaces electronic loan files 201 exchanging data with vendors 3...

Страница 524: ...unts entering information 107 acknowledgement and agreement printing 43 116 agency case number 97 amortization type specifying 97 assets 106 automobiles 108 specifying jointly 106 assets editing 107 b...

Страница 525: ...ng miscellaneous items 219 viewing 19 loan comparisons closing cost scenario template 355 comparing loans 416 loan program templates 353 printing 418 refinance 417 Loan Conditions report 367 loan cond...

Страница 526: ...217 removing miscellaneous items 219 miscellaneous items 217 Loan Submission Sheet 156 Loan Summary report 367 loan tasks 432 loan team members tracking 233 loan terms entering in loan application 97...

Страница 527: ...entering manually 239 MIP calculating 170 cash to close 415 PMI MIP in loan application 115 up front mortgage insurance 170 up front mortgage insurance FHA loans 174 miscellaneous items adding to loa...

Страница 528: ...e mailing documents 210 MISMO type 208 printing documents 206 saving files to another location 209 online help accessing xii open house flyer creating 405 opening multiple loan files 34 opening Point...

Страница 529: ...d report templates 366 predefined reports list 365 preferences WebCaster 49 prepaid escrow amount fees setting default 39 prepaid finance charge specifying on GFE 122 prequalification closing cost sce...

Страница 530: ...eeting requirements 223 245 specifying 226 specifying maximum ratios 223 245 tracking 221 Rate Lock report 367 rate lock registration entering price adjustments 225 rate locking confirmation 239 rate...

Страница 531: ...s 365 creating 379 editing 379 saving 379 total 382 392 unlinking a mail merge document 388 report templates 365 report templates identifying field IDs 481 reports 369 Address Label report 366 Apprais...

Страница 532: ...74 pcf format 75 saving provider password 309 saving reports 392 saving reports as pcf files 75 savings account entering in loan application 107 scheduled date warehouse advance repayment 264 schedul...

Страница 533: ...orts 304 saving documents in document repository 202 302 saving provider password 302 saving reports 304 specifying investors and products 308 title reports 319 agents 327 borrowers 324 payoff informa...

Страница 534: ...4 closing 431 creating 423 editing 430 editing status 431 printing 432 reminders 425 426 searching advanced 428 tasks tab described 20 Tax Authorization Form 8821 162 Tax Information 1098 Data 163 tax...

Страница 535: ...items to tracking list 218 editing 218 registration and rate lock 221 required documents adding to checklist 217 title conditions 228 trust account information 234 underwriting status 243 verification...

Страница 536: ...297 enabling field pop up help 65 escrow tables purchase 45 refinance 45 Fannie Mae connectivity 338 Freddie Mac LP setup 344 loading field IDs 66 Point for DOS directory specifying default 61 screen...

Страница 537: ...r loan number warehouse advance repayment 262 Warehouse Reconciliation Profit Summary report 366 web browser requirements 2 web browser setting default 62 WebCaster preferences 49 updating loan status...

Отзывы:

Нет отзывов

Похожие инструкции для Point 7

MACROMEDIA FIREWORKS 2 Use Manual preview
FIREWORKS 2
Бренд: MACROMEDIA Страницы: 156
F-SECURE CLIENT SECURITY 9.00 - QUICK Quick Installation Manual preview
CLIENT SECURITY 9.00 - QUICK
Бренд: F-SECURE Страницы: 32
Waves API 550 User Manual preview
API 550
Бренд: Waves Страницы: 20
TC Electronic RESTORATION SUITE User Manual preview
RESTORATION SUITE
Бренд: TC Electronic Страницы: 31
M-Audio Fast Track Pro Quick Start Manual preview
Fast Track Pro
Бренд: M-Audio Страницы: 5
Ricoh GlobalScan NX Server 5/Server 32/Server 750 Manual preview
GlobalScan NX Server 5/Server 32/Server 750
Бренд: Ricoh Страницы: 6
National Instruments NI Spectral Measurements Toolkit User Manual preview
NI Spectral Measurements Toolkit
Бренд: National Instruments Страницы: 35
Brocade Communications Systems Brocade 300 Release Notes preview
Brocade 300
Бренд: Brocade Communications Systems Страницы: 41
Pioneer Serato Flip User Manual preview
Serato Flip
Бренд: Pioneer Страницы: 11
Sony MSSW-IC2 User Manual preview
MSSW-IC2
Бренд: Sony Страницы: 2
Sony ICDBM1 - Memory Stick Media Digital Voice Recorder Supplementary Manual preview
ICDBM1 - Memory Stick Media Digital Voice Recorder
Бренд: Sony Страницы: 1
Sony ICDBM1 - Memory Stick Media Digital Voice Recorder Specifications preview
ICDBM1 - Memory Stick Media Digital Voice Recorder
Бренд: Sony Страницы: 2
Sony ICD-BP150 - Ic Recorder Specifications preview
ICD-BP150 - Ic Recorder
Бренд: Sony Страницы: 2
Sony D-NS921F - Portable Cd Player Specifications preview
D-NS921F - Portable Cd Player
Бренд: Sony Страницы: 2
Sony MS Export User Manual preview
MS Export
Бренд: Sony Страницы: 9
Sony Music Box v.2.1.0 Manual preview
Music Box v.2.1.0
Бренд: Sony Страницы: 12
Sony Memory Stick Autorun v1.3 Operating Instructions Manual preview
Memory Stick Autorun v1.3
Бренд: Sony Страницы: 24
Sony ICD-R100 Operating Instructions (primary manual) Service Manual preview
ICD-R100 Operating Instructions (primary manual)
Бренд: Sony Страницы: 22

Бренды по названию

Популярные бренды

Загрузить еще бренды