Associations & Partnerships

Partners are the key to Mortgage Cadence's initiatives to extend the reach of enterprise solutions and encourage the utilization and implementation of eMortgages throughout the mortgage banking industry. Mortgage Cadence and its partners provide the resources and expertise mortgage organizations need to increase operational efficiency, manage financial risk, and improve their customers' experience.

Technology Partners

AllRegs

First introduced in 1989, AllRegs is used by virtually all of the top 100 lenders as well as throughout numerous governmental agencies, including Fannie Mae, Freddie Mac, the FHLBs, FHA, VA, RHS, Ginnie Mae, and more. AllRegs is the exclusive electronic publisher of the Fannie Mae and Freddie Mac Single and Multi-Family Seller/Servicer Guides, The Federal Home Loan Banks'' MPF Program Guidelines, and CalPERS'' Member Home Loan Program Guidelines. Products include single and multifamily underwriting & insuring guidelines as well as federal compliance laws and regulations, state compliance laws and regulations with plain-language analyses, a Practical Guide to FHA Lending, contract publishing services for retail and wholesale lenders and a library of historical guidelines.

Kofax

Kofax improves the speed, cost, accuracy and efficiency of business processes and transactions by enabling organizations to exchange information automatically with anyone, anywhere, in any format. The company''s Ascent Capture is the world''s most popular information capture software, its VirtualReScan (VRS) is the de facto standard for scanning productivity, and the TOPCALL Communication Server is a leader in the exchange of business-critical communications. Kofax Intelligent Capture & Exchange products are widely used in finance, government, insurance and a broad range of companies that must link back-office information processes, front-office knowledge workers, and customers and partners around the world.

Math Corp

The ZMath calculation engine is supplied as a component, to be embedded in systems. It is often used by people who want to write their own system to handle input and output, but don't want to have to deal with the loan calculations.

The Loan Calculation Engine, which supports both forward and reverse mortgage products, slips seamlessly into the owners' code. When needed, the Engine returns an Amortization Schedule, calculates an APR, solves an Auto Loan Payment Calculation, effortlessly calculates an ARM Mortgage, solves for a Balloon Payment on a 30 year Mortgage or efficiently returns all the critical Real Estate Mortgage calculations.

Math Corporation's industry-leading Loan Calculation Engine provides unmatched performance and is backed by world-class support.

MERS

MERS is an electronic loan registry created by the real estate finance industry to eliminate assignments when trading mortgage loans. Borrowers name MERS as mortgagee and nominee for the lender on deeds of trust and mortgages that are recorded in the county land records. Lenders then register the loans on the MERS® System and electronically track changes in servicing and beneficial ownership rights over the life of the loan.

Loans registered with MERS are inoculated against future assignments because MERS remains the mortgagee of record no matter how often servicing is traded between MERS members. Fannie Mae, Freddie Mac, VA, FHA, Ginnie Mae, the Federal Home Loan Bank MPF®, California and New York housing authorities, and all major Wall Street rating agencies have approved MERS.

Microsoft Gold Certified

Microsoft Gold Certified Partners are the elite Microsoft Business Partners who earn the highest customer endorsement. They have the knowledge, skills, and commitment to help implement technology solutions that match your exact business needs. Microsoft Gold Certified Partners have passed the highest level of requirements from Microsoft and have demonstrated the most robust, efficient and scalable implementations of Microsoft technologies in demonstrated enterprise customer deployments or an on-site Microsoft assessment.

Oracle

Oracle''s more than 16,000 partners help create rich solutions for broader markets, and bring even greater value to customers through solutions that address business needs.

Together, Oracle and its partners provide customers around the world with industry-leading solutions and services. When a customer chooses an Oracle-based solution or service from an Oracle partner, they are deploying world-class Oracle products, plus the extended capabilities of a partner that works hand-in-hand with Oracle, and provides for specific functional area, market, or industry needs.

Service Partners

3t Systems

3t Systems' Mortgage Services specialists are focused solely on optimizing information systems within the mortgage industry. Our consultants have been providing expert IT services to the mortgage industry since 1995 and have a keen understanding of how mortgage companies operate. By combining our deep knowledge of the mortgage industry with our broad range of IT service offerings, we will help you achieve significantly higher levels of operational efficiency to gain a competitive advantage.

3t's Mortgage Services specialists are the ideal service providers to assist you in configuring, customizing and integrating the Mortgage Cadence lending platform because of our intimate knowledge of the product. 3t has been providing IT services for Mortgage Cadence users since the day the product was launched. The Mortgage Cadence system includes endless configuration opportunities to allow the greatest possible flexibility and control over your loan process. Leveraging the vast configurability and flexibility of the Mortgage Cadence application, our consultants apply their many years of experience to assist you in fully realizing the benefits of the Mortgage Cadence solution.

CBCInnovis

CBCInnovis is part of a privately-held family of companies established in 1948, currently employing almost 2000 people, providing real estate services to mortgage lenders across the US.

Headquartered in Columbus Ohio, CBCInnovis provides solutions such as credit reports, property information services, receivables management, marketing services, employment and resident screening and loan application processing software services.

A philosophy to provide careful attention to detail and superior service to each and every customer, each and every day has been the foundation of CBCInnovis' success.

Desktop Underwriter (DU)
This is an automated underwriting system developed by Fannie Mae to help mortgage lenders make informed credit decisions on conventional conforming and government loans. DU features fast and objective risk assessments, reduced data entry requirements, reduced documentation, and comprehensive underwriting reports.

First American

Let First American help you with today's current efforts in lead generation and retention strategies. The First American Corporation is the leading provider of information, technology, bundled products, and customized services to the mortgage industry. We deliver a comprehensive suite of innovative mortgage loan origination services including credit reporting, appraisal and property valuations, flood determinations, mortgage document services and title and settlement services. Many of these services are now available through a direct integration to Mortgage Cadence.

The First American Family of Companies operates within five primary business segments, including Title Insurance and Services, Specialty Insurance, Mortgage Information, Property Information, and Risk Mitigation and Business Solutions. With revenues of $8.1 billion in 2005, First American has approximately 2,000 offices throughout the United States and abroad.

Freddie Mac

Freddie Mac is a stockholder-owned company established by Congress in 1970 to support homeownership and rental housing. Freddie Mac fulfills its mission by purchasing residential mortgages and mortgage-related securities, which it finances primarily by issuing mortgage-related securities and debt instruments in the capital markets. Over the years, Freddie Mac has made home possible for one in six homebuyers and nearly four million renters in America.

Freddie Mac conducts its business primarily by buying mortgages from lenders, packaging the mortgages into securities and selling the securities - guaranteed by Freddie Mac — to investors. Mortgage lenders use the proceeds from selling loans to Freddie Mac to fund new mortgages, constantly replenishing the pool of funds available for lending to homebuyers and apartment owners.

Interthinx

Interthinx, an ISO division, is the nation's leading provider of risk mitigation and compliance tools for the financial services industry. Used at every point in the mortgage lifecycle to prevent mortgage fraud and assess risk, Interthinx is relied upon by over 1400 customers, including 15 of the top 20 mortgage lenders and 3 of the top 5 largest financial institutions. Interthinx expertise in predictive analytics, data mining and risk scoring sets the standard for the industry and directly increases the value of client portfolios.

Loan Prospector (LP)

Loan Prospector is a powerful risk assessment tool that gives you ready access to Freddie Mac's credit and pricing terms, making it easier for you to do business because we want to do business with you. This reliable and innovative automated underwriting technology brings efficiencies to your process as it matches the way you work.

Loan Prospector helps you provide more borrowers with the lowest-cost financing available. With 10 years of ongoing success and continuous enhancements, you can count on Loan Prospector to give you easy access to the latest technology.

MeridianLink

MeridianLink is an enterprise application development company serving companies nationwide with smart solutions that deliver real value. Headquartered in Southern California, MeridianLink provides powerful yet practical credit technology and unsurpassed service through a combination of knowledge, efficiency, and a passion for excellence. Mortgage Credit Link is the industry's most widely used Web-based mortgage credit reporting system, providing convenient access to consumer credit information for thousands of mortgage professionals nationwide.

NexLevel Advisors
NexLevel Advisors is the premier strategic advisory firm that provides an array of customized solutions and services in business planning, strategic selling, marketing, media relations and lead generation. Our solutions address market conditions and companies desire to take their business to the next level, quicker and more strategically than they could on their own.

PCi

PCi, a part of Wolters Kluwer Financial Services, is the industry's choice for institutions seeking to keep lending in compliance with both regulatory and internal business standards. More than 2,000 institutions, including 95 of the top 100 lenders and many industry regulators, rely on PCi's software and professional services to monitor, detect, analyze, and resolve compliance demands throughout the entire lending process. Compliance expertise, acquired during more than ten years of operating success, positions PCi to help lenders produce loans that minimize risk, identify lending opportunities, add value to portfolios, and serve the needs of their communities. PCi is based in Boston, Massachusetts.

RealEC

Founded in 1998, RealEC Technologies provides supply chain management software, integration services, intelligent product decision tools, vendor sourcing tools, and a robust B2B exchange for mortgage loan originators, real estate agents and settlement service providers. RealEC operates the RealEC Exchange™, the leading Electronic Partner Network (EPN) in the mortgage industry and provides partner connectivity, automated vendor management, advanced data capture and document management services to more than 2,000 mortgage originators (including 17 of the top 20) and more than 13,000 service providers. RealEC's services enable lenders and their business partners to electronically connect, collaborate, and automate their business processes to eliminate paper, manual processing, and other sources of friction in the origination and servicing of mortgage loans. The company's products and services are designed to automate the origination, servicing, statusing and closing of real estate transactions and enable real estate transaction participants to significantly enhance their business by increasing operational efficiencies, improving customer service and generating new sources of revenue. RealEC Technologies has significant equity ownership from Fidelity National Information Services, Inc. (NYSE:FIS), Stewart Title Company (NYSE:STC), and LandAmerica Financial Group (NYSE:LFG).

Industry Associations

Mortgage Bankers Association

The Mortgage Bankers Association (MBA) is the national association representing the real estate finance industry, an industry that employs more than 500,000 people in virtually every community in the country. Headquartered in Washington, D.C., MBA invests in communities across the nation by ensuring the continued strength of the nation''s residential and commercial real estate markets; expanding homeownership and extending access to affordable housing to all Americans and supporting financial literacy efforts.

Mortgage Industry Standards Maintenance Organization

Mortgage Industry Standards Maintenance Organization, Inc. (MISMO) was established by the Mortgage Bankers Association (MBA) to coordinate the development and maintenance of Internet based Extensible Markup Language (XML) real estate finance specifications. MISMO utilizes an open and democratic vendor-neutral approach to the development and maintenance of a single real estate finance XML DTD transaction repository. MISMO has published specifications that support mortgage insurance application, mortgage insurance loan boarding, secondary, bulk pricing, real estate services, credit reporting and underwriting process areas. The specifications are freely available for industry implementation via the MISMO website.

NRMLA
National Reverse Mortgage Lenders Association (NRMLA) is the national voice of the reverse mortgage industry, serving as an educational resource, policy advocate and public affairs center for lenders and related professionals. NRMLA was established in 1997 to enhance the professionalism of the reverse mortgage business.