Mission Statement:

Products

Risk Mitigation:

Lender Placed Hazard - Duel interest Forced Placed Hazard coverage designed to protect the lenders interest from loss on real estates loans both commercial and residential loans.
Lender Placed Flood – Duel interest Forced Place Flood coverage designed to protect the lenders interest from loss and regulatory requirements on both commercial and residential loans.
Lender Placed Excess Flood - Forced place coverage over the NFIP limits.
Lender Placed Wind – Primarily used in costal states where there is a high hurricane risk- Forced Place Wind only coverage designed to protect the lender when the borrowers insurance is issued with out wind coverage.
Blanket Mortgage Hazard – Blanket Hazard policy used to cover loan portfolios eliminating the need for insurance tracking on both first and second mortgages – Flood is not included, Lenders are required to track flood.
Outsourced Insurance Tracking – Tracking of hazard, flood, builders risk and wind insurance policies on residential, commercial and consumer loans. Including the letter notices and Errors & Omissions coverage.
Tax Tracking Services – Automated tracking of delinquent taxes on all real estate loans, fee for service is charged at loan closing.

Venders Single Interest (VSI) – Blanket hazard coverage for auto, trucks and watercraft portfolios eliminating the need to track borrowers insurance. - Unlike lender placed policies this only protects the lender and requires vehicle to be repossessed before a claim can be filed.
Lender Placed Hazard – Duel interest Forced Place insurance designed to protect the lender from loss on vehicle loans.
Outsourced Insurance Tracking – Tracking of Hazard insurance policies on all vehicle loans including the letter notices and Errors & Omissions coverage.

Credit Life – Life and Disability coverage sold by the lender at the time loan closing on vehicle, commercial and equity loans.
Guaranty Auto Protection (GAP) – Insurance coverage to protect the borrower from loss due to a GAP between the loan balance and insurance proceeds after an accident where the vehicle is a total loss.
Mortgage Life – Life, Disability and Accidental Death insurance coverage sold anytime during the life of the borrower’s mortgage loan. - Unlike credit life and disability where the premium is paid upfront, the borrower pays the premium monthly by credit card or automatic check withdraw. This provides portability; the lender continues to receive their fee as long as the borrower pays the premium.
Electronic Check Recovery – Automated recovery of bad checks and fees for commercial checking account customers. A free service to you and your customers providing fee income and strong customer loyalty to the lender.
Overdraft Protection – Increases the insufficient fund fees by 20 to 200 percent without attracting the bad check writers.
Identity Theft – Sold to checking and savings account customers providing restoration coverage.

Complementary Identity Theft Restoration Coverage – Lower than $2.00 a year per customer, the cost can be recovered through the up selling to more services.
Overdraft Protection - Increases the insufficient fund fees by 20 to 200 percent without attracting the bad check writers. Giving your customers the ability to borrow up to a pre-approved amount by simply writing a check.
Electronic Check Recovery - Automated recovery of bad checks and fees for commercial checking account customers. A free service to you and your commercial customers providing fee income and strong customer loyalty to the lender.

Flood Determinations – Lowest prices on life of the loan and basic determinations through nationally excepted companies.
Automated Evaluation Models (AVM'S) – Electronic appraisals designed for “no closing cost” lending. AVM’s are derived from sampling in the property area giving the option of low, medium and high values.
Bundled Loan Closing Services – One website location for all the services needed to close real estate loans
Guaranteed Lien Protection – For less than you pay for a pencil search you can get a guaranty that at the time of closing you will be protected against unknown liens.