Credit Report Products

Merged
Credit Report

Our totally web-based system gives you fast access to merged in-file credit reports. The flexibility of our fully customizable output allows you to create the format that’s right for you.

Residential Mortgage
Credit Report

MAF Mortgage Services most comprehensive report meets or exceeds all government agency guidelines: FHA/VA, FNMA, and FHLMC. Reports are returned within 24 to 48 hours.  Timely updates and supplements are available through our friendly and courteous customer service staff.

Alternative
Credit Report

For borrowers with a minimal credit history, we can manually build a credit report based on information from utility or insurance companies, as well as other non-traditional credit grantors.

Automated
Underwriting

MAF Mortgage Services is connected with Fannie Mae and GMAC-RFC to provide mortgage credit information via FNMA Desktop Originator and Desktop Underwriter, and GMAC-RFC Assetwise, sub-prime automated underwriting program.

Software LOS
Interfaces

Our interfaces with Loan Origination Systems (LOS) allow mortgage professionals to request credit reports and receive credit information directly from their processing software.  Credit information received can be automatically added to the LOS program’s 1003 loan application.  Interfaces currently exist for over 20 LOS programs, including Contour, Calyx POINT, Genesis 2000, and Byte Qualifier to name just a few.                

Rapid Revision

Correct or update credit grantor information within 72 hours at the repository level.  Changes can positively affect the borrower’s credit score, giving you the competitive advantage when selecting the right loan program for your borrower.

Credit Xpert
Score Analysis

This educational tool gives you the expertise to provide suggestion to your borrower on how to improve their credit.  The Credit Wizard can give you specific actions and anticipated improvement expected after each action is complete.

Business License
Reports

Individual or corporate credit reports designed to comply with city, county, or state licensing requirements.  Complete this application to request your report,

Flood Zone
Determination

Our flood determinations meet all government requirements and are regularly updated to ensure that your organization remains in full compliance with FEMA and NFIP (National Flood Insurance Program). Through strategic joint marketing alliances, MAF Mortgage Services’ flood determinations are transferable to virtually all mortgage servicers.

Life of Loan

Monitoring of the FEMA FIRM maps for changes in your borrower’s flood zone status. Notification by certified mail of all flood map revisions for the life of the loan.  We can also provide $1 million to $5 million of liability (errors and omissions) insurance.

Portfolio Compliance
Services

Comprehensive portfolio reviews with flood zone determinations on every loan.  Also available is portfolio monitoring for the future flood map revisions.

HMDA/Census
Tracking

The census track data for reporting loans by geographical location, as required by the Home Mortgage Disclosure Act.

Rush Service

To meet your immediate needs, we offer a choice of one-hour or four-hour rush service.

Flood ns. & Forced
Placed Ins. Svcs

Ask us for a quote that we can provide through arrangements with TransAmerica Specialty Insurance.

Flood Ins. Coverage for
Non-Participating Com.

This is important coverage for both the servicer and the homeowner, where communities do not participate in the NFIP (National Flood Insurance Program)

Automated Valuation
Model (AVM)

Using automated valuation tools, originators can pre-qualify property values at the point of sale without the time and cost associated with traditional appraisals.  Select from a list of over 20 automated valuation sources available through our strategic partnerships.

URAR and Drive
By Appraisal

Standard appraisals are offered anywhere in the United States through our nationwide network of qualified appraisers.

Broker Price Opinion

A low-cost alternative to a physical property inspection, performed by a real estate professional.

Legal and Vesting
Report

Ideal for equity loans and refinances, this report provides you with basic ownership and legal description information.

Property Report

Includes ownership, tax and assessment information, liens and judgments.

Mortgage Loan
Report

Identifies mortgage secured lines as currently reported on the borrower’s credit report. Lender’s position is backed by an E&O policy.

Title Ins. / Doc Prep /
Closing Service

Available for first and second mortgages, individually or as a complete package.