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    • 2. 发明授权
    • Method and system for mortgage exchange
    • 抵押交换的方法和制度
    • US08275701B2
    • 2012-09-25
    • US13076044
    • 2011-03-30
    • William C. ErbeyChristopher KennedyBryan HurleyAndrew Combs
    • William C. ErbeyChristopher KennedyBryan HurleyAndrew Combs
    • G06Q40/00
    • G06Q40/02G06Q40/025
    • A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed.
    • 通过提供借款人有资格接受的贷款的准确表示,这种方法和系统以电子方式促进房地产交易,这些贷款是根据实际数据而不是估计。 完成房地产交易所需的所有行动,从借款人信息入门到贷款的结算和融资,均无缝整合。 提供自动承保引擎,用于基于用户输入和/或现有数据生成决策矩阵。 根据决策矩阵选择适当的贷款,并将其传达给潜在的借款人。 选定贷款后,进行履行处理,贷款得到资助和关闭。