Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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How Has Technology Changed Art?

We all are witnessing the changes being made in the art these days. Technology has the power to change anything. It is changing the traditional art into digital art.

Amazing digital art has taken place of traditional art. Digital art is exploring itself in many different ways that one can imagine. Different software is developed to increase the presence of digital art.

Photoshop Artists are one of the most common digital artists who give an amazing look to a picture with the help of imaging software and different applications.

These applications are developed with the help of technology. Anyone can be a digital artist having knowledge and proficiency in Photoshop.

Difference between traditional artists and digital artists is that traditional artists use paint and cement for their art and digital artists use imaging software and applications in their art. Some of the applications have the power to create 3D art work.

Technology has taken art into a new level of creativity. Let us talk about how technology has changed traditional art into digital art. We know that internet is ruling the world with its power. So, artists decided to present their art online with the help of internet. This is possible with use of technology.

You must have seen art galleries and attended painting exhibitions in your life. These doesn’t work well these days so artists find a way where they can get more attention and more praise for their work. Most of the artistic stuff is now seen online and is circulated to the art lovers.

There are some places where exhibitions are held and we do respect them. But presenting paintings, sculptures and art work online is in trend. Some of the artists are also showing their art on the basis of card swipe panel or coins.

How this work – when you enter coins or swipe card in the panel, the panel shows you some of the art work for a few minutes and then gets closed and if you want to see it again or explore more, further you need to swipe your card or add coins into it. This is how artists are using technology.

How digital artists are using technology for their art work

Digital artists already in touch with technology are aware of the systems that are in trend and use them to create their art work and sell them online.

Some of the professional digital artists are earning a lot of bucks by selling their art work. They can also design the ones that you want and are also ready to make any modifications you need.

They use different software to explore their skills and made it more impressive. They are using technologies that offer new ways to express their art work in a realistic way for much more time.

They are using different types of media and mix them to provide a more creative art work. Their 3D art work looks as real as it is present live in front of you.

Technology not only brings changes in education, medical field, industry and business but also brings a huge change in the art work and the artists as well.

Technology opens different paths for the artists to enter into for a good earning. They made their profession more powerful along with their art work.

In our busy lives we hardly get time to meet each other and our loved ones. How can it be possible to see exhibitions and galleries? So technology has brought this change in the art workers to show their skills and talent to people from anywhere in the world.

Technology is getting advanced and making more useful for the common man as well as artists. Technology has provided us with several things that we should be thankful. One of them is digital art work.

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How Has Technology Changed Art?

We all are witnessing the changes being made in the art these days. Technology has the power to change anything. It is changing the traditional art into digital art.

Amazing digital art has taken place of traditional art. Digital art is exploring itself in many different ways that one can imagine. Different software is developed to increase the presence of digital art.

Photoshop Artists are one of the most common digital artists who give an amazing look to a picture with the help of imaging software and different applications.

These applications are developed with the help of technology. Anyone can be a digital artist having knowledge and proficiency in Photoshop.

Difference between traditional artists and digital artists is that traditional artists use paint and cement for their art and digital artists use imaging software and applications in their art. Some of the applications have the power to create 3D art work.

Technology has taken art into a new level of creativity. Let us talk about how technology has changed traditional art into digital art. We know that internet is ruling the world with its power. So, artists decided to present their art online with the help of internet. This is possible with use of technology.

You must have seen art galleries and attended painting exhibitions in your life. These doesn’t work well these days so artists find a way where they can get more attention and more praise for their work. Most of the artistic stuff is now seen online and is circulated to the art lovers.

There are some places where exhibitions are held and we do respect them. But presenting paintings, sculptures and art work online is in trend. Some of the artists are also showing their art on the basis of card swipe panel or coins.

How this work – when you enter coins or swipe card in the panel, the panel shows you some of the art work for a few minutes and then gets closed and if you want to see it again or explore more, further you need to swipe your card or add coins into it. This is how artists are using technology.

How digital artists are using technology for their art work

Digital artists already in touch with technology are aware of the systems that are in trend and use them to create their art work and sell them online.

Some of the professional digital artists are earning a lot of bucks by selling their art work. They can also design the ones that you want and are also ready to make any modifications you need.

They use different software to explore their skills and made it more impressive. They are using technologies that offer new ways to express their art work in a realistic way for much more time.

They are using different types of media and mix them to provide a more creative art work. Their 3D art work looks as real as it is present live in front of you.

Technology not only brings changes in education, medical field, industry and business but also brings a huge change in the art work and the artists as well.

Technology opens different paths for the artists to enter into for a good earning. They made their profession more powerful along with their art work.

In our busy lives we hardly get time to meet each other and our loved ones. How can it be possible to see exhibitions and galleries? So technology has brought this change in the art workers to show their skills and talent to people from anywhere in the world.

Technology is getting advanced and making more useful for the common man as well as artists. Technology has provided us with several things that we should be thankful. One of them is digital art work.

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How to Repair “Runtime Error 481”

The runtime error is one of the most common Windows problems that keep popping up and keeping your system from running smoothly and perfectly, even a small or a single error in the process will leave your system in a knot. This makes it even more important for any user to know how to fix runtime error 481. In order to fix or diagnose the problem correctly everyone should first know what the actual purpose of the runtime processes. It is an integral and essential part of the Windows system details to manage the handling of many services as well as many different software as running on the Windows platform. Since, the file actually handles a lot of information and settings at a time it is very prone to attack by many different viruses, malware and even spyware.

The problems – there can be many different symptoms to the errors related to the runtime process. The symptoms can range from a simple delayed operation of the software to much more complicated system freezes and error messages. This sort of problems may arise from many different factors starting from corruption of the system file due to a virus infection or any other malicious software to defective and invalid system registry entries.

Though the problems are varied but still the answer to the question remains pretty simple.

The solutions – the solution to the runtime error 481 can be many forms, as the problem itself may arise from many different sources. Though it is widely accepted that the most common reason for such errors is a corrupted registry entries but still many tools and software is required to be used in order to properly remove the problem.

  • If the error actually results after installing a new software always make sure to uninstall and reinstall the software to check whether the error was caused by it.
  • Is the process file is corrupted beyond repair it is always safe to replace the file with an original one from any windows XP CD using the system file Checker tool. This can also be achieved from the recovery console is the system has completely crashed due to the error and cannot be started in a normal way.
  • As the most common problems that can give out runtime related errors is widely identified as defective registry entries, it is best recommended that you always check your system with a proper registry cleaner before taking any drastic step.

Even if all of the above methods fail, you always have the option of reinstalling your operating system in order to solve the runtime error 481. Though this may seem the simplest one but the safest and wisest one would be to use a registry cleaner regularly and keep your system clean and healthy.

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How To Spot a Fake Jimmy Choo Handbag

  • Label: The Jimmy Choo label is generally a lilac colored metal face fastened to a leather backing, and stitched to the interior of the handbag. Many fakes have the incorrect shade of lilac, either going to light or too dark in the purple spectrum. The label should read in either gold or silver. However, even if the colors are correct, the label may still not be in the clear. Because it often times the font details that are singular to authentic Jimmy Choo that many of fake handbags get wrong, and this is one of the best places to look when trying to identify a phony J. Choo.
  • Font: Always check out the "H" in Choo. On an authentic handbag, the horizontal cross-bar in the H should not be in the center of the letter, the way it is intended to be with regards to most standard fonts. Instead, the Jimmy Choo H should have the cross-bar closer to the top, about 75-80% of the way up the H, if measuring from the bottom of the letter. If the handbag has the correct H, move to the letters "O" in Choo. On an authentic handbag, the O will have a slightly bent look. This means that the "O" will appear as if someone snapped down on the top of the letter, giving the O an oval shape rather than a perfect circle. Spotting a fake Jimmy Choo handbag often times comes down to the subtleties in the font.
  • Hardware: Any screws located on handbag hardware will always be a flat head (-) screw. Jimmy Choo will never use any Philips head (+) screws in any of their handbags.
  • Dustbag: Fake Jimmy Choo handbags will often be accompanied by a dustbag that is an incorrect color or format. An authentic dustbag should have the logo: "JIMMY CHOO," with "LONDON" centered perfectly under the logo. The font should be an embossed gray, while the dustbag itself will be the famous lilac color. Many fakes will have incorrect font colors on the dustbag, as well as the incorrect dustbag color ie the wrong shades of purple etc. Good luck and safe shopping!
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Medical Coding History – From Paper to Medial Coding Software

If we define medical coding as the assignment of alphanumerical characters to diagnoses, diseases, and treatments, then medical coding has been traced back to the 1600s in England with the London Bills of Mortality. A more standardized system of coding was developed for classifying death at the tail end of the 19th century. In 1893, Jacque Bertillon, a statistician, created the Bertillon Classification of Causes of Death, a system which was eventually adopted by 26 countries at the beginning of the 20th century. Shortly after the Bertillon Classification system was implemented, people began discussing the possibility of expanding the system beyond mortality as a way of tracking diseases.

By the middle of the 20th century, the World Health Organization (WHO) adopted a goal of a single global classification system for disease and mortality, entitled the International Classification of Diseases, Injuries, and Causes of Death (ICD). This classification system is updated every 10 years. The latest revision, ICD-10, is scheduled for adoption in the United States in 2013.

What started out as a small set of medical codes has evolved into a complex system that was initially standardized by the American Medical Association back in 1966 with current procedure codes (CPT) codes that are updated annually.

In the late 1970s, the Healthcare Common Procedure Coding System (HCPCS) was developed based on CPT. HCPCS has three levels of codes: Level One is the original CPT system. Level Two codes are alphanumeric and include non-physician services such as ambulances and other transportation as well as patient devices such as prosthetic devices. Level Three codes were developed as local codes, and were discontinued in 2003 in order to keep all codes relevant worldwide.

Recently, medical coding systems have been expanded to include other medical specialties. For example, there are coding systems related to disabilities, the dental field, prescription drugs, and mental health.

As the coding systems have become more complex and diverse, the need for training of medical coders has grown exponentially. Private training schools and public colleges throughout the country have developed certification programs. In order to be awarded a certificate, students must obtain a two-year degree from an accredited medical coding school and pass an exam given by the AHIMA.

Over the past 20 years, many coding processes have shifted from a paper-based system to a computer-based system using medical coding software and medical billing software. Many companies sell complete medical software-based coding solutions and myriad of products for specific medical disciplines, such as products that are specifically tailored to skilled nursing facilities, physicians, hospitals, surgery, cardiology, and more.

As medical facilities and professionals begin preparing for the conversion to ICD-10 in 2013, the need for more sophisticated medical coding software solutions and qualified medical coders will continue to grow.

CPT is a registered trademark of the American Medical Association.

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How to Fix an Error Accessing the System Registry Easily

The system registry is an important component to practically every computer, and it would actually be considered a pile of electronics if the system registry was not included. It is essential for computers based on Windows, since it is the storage location for the hardware, software, and pretty much everything that makes the computer run.

Changes and updates go directly through the system registry for storage, but sometimes things do not always go as smoothly as we wish. Not many know what to do about an error accessing the system registry, but it must be fixed in order to keep your computer running.

An error accessing the system registry is not very uncommon, and it usually occurs when old files or updates are still located within the registry. The error can occur when new updates are downloaded, new programs installed, or even when new software is being added to your computer. A window will usually pop up stating “error accessing the system registry” and not much can be done until the error is fixed.

It can result from old updates being left in the system, or even old files that were not deleted when a download or installation was incomplete. The best way to get rid of the error accessing the system registry is to find out the problem, get rid of old files, and start fresh with new updates and software to keep your computer running smooth.

Because the error accessing the system registry can occur for a number of different reasons, it can sometimes be hard to locate the specific problem. The first step is to determine what exactly triggered the error, such as a new download, new software being installed, or updates occurring to current software on the computer.

The error is most common when updates occur or when updated software is installed, since most likely older versions are still being kept within the registry. In this case, the error accessing the system registry can be easily correct. First off, the installation or update needs to be stopped. Then the system registry can be accessed by the computer owner, and software can be purchased or downloaded to fix this problem.

One of the best options for getting rid of an error accessing the system registry is a registry fix program, since it goes in and does all of the work for you. Rather than trying to find the damaged files and delete them yourself, the program knows exactly what to look for and get rid of for the error to go away.

Not only will a registry fix help to get rid of the problem occurring now, it can even help to get rid of any files and old updates that may cause problems in the future. It is beneficial for clearing your computer of any unnecessary files or programs that may be causing it to run slow, and can even prevent an error accessing the system registry in the future.

A registry fix program can either be downloaded online or purchased at an electronics store, and is a great way to fix an error accessing the system registry. It does all of the work for you, and can even improve the overall performance of your computer. It can get rid of old files, partial updates, or even programs that are no longer needed, and is perfect for fixing your error accessing the system registry.

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Advantages of Antispyware Programs

Much like the antivirus programs, now a days anti spyware programs also is a must if you are browsing the net. Most of the antivirus programs provide a good job by taking care of the computer viruses. However, many of them fail to detect the spyware which gets installed onto the PC when connected to the internet. This is where Anti spyware programs comes to help. They do a good job by protecting our computers by identifying the spyware and promptly remove them.

There are so many antispyware programs are available in the market. Both in the Online as well as near to your computer retail showroom. However, you have to ensure that you buy a good Anti spyware program which fulfills the requirements what it promises. Also, make sure to check that the software works on your Operating System. Most of them work on Windows Operating system; however, there is no harm in double checking the same.

Some of the characteristics of a good antispyware program is as below.

Real time scanning

Real time scanning is the heart of these type of programs. The program once installed should reside on your system tray and should be able to do a real time scan in the background. This way it should be able to identify all kinds of threats like Adware, spyware, Trojans and the harmful key loggers.

Automatic Updates

There is no point in having an Antispyware software program which does not update the spyware definitions automatically and at periodic intervals.

Customer Support

Most of the time you will not be require to call up their helpdesk as the software will work automatically provided if the operating system is compatible and all the installation prerequisites are met. However, if you run across any installation problems or some kind of bugs customer service comes in handy.

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Effective Job Numbering And Cost Code Systems

Overview

Many companies have a sequential job numbering system, but have you considered the possibility of altering the numbering sequence so you can pull reports for a certain type of project or projects by year and the informational reports that could be generated?

And, are your cost codes sufficient to cover the details you need to see in your reports? Do you lump all site related travel and subsistence into one code, or do you have the details of hotels vs. Housing and meals vs. Subsistence?

Not all software programs are sophisticated enough to allow for customized job type numbering sequences; However, even the basic job cost software systems can be adapted to allow for an advanced numbering system.

Specific Job Numbering Sequences

Advanced reporting techniques can yield a wealth of information. How jobs are numbered so ease the reporting burden so projects of a certain type and / or year can be easily excluded from the software. Samples of numbering sequences could be based on the following criteria:

· Year project was awarded

· Public vs. Private works

· Commercial vs. Residential

· Construction vs. Service

· Division (s) of the Company

If your software allows, you may start the job number with the year awarded, followed by the job type and then a sequential number. Management may request a report for gross revenue on all the commercial contractor improvement projects in 2013. If you have a numbering sequence, this would be an easy report to pull, rather than go through all your 2013 projects and manually add the numbers to obtain the Results.

The job cost master file is another good source of information if all fields are completed and there is a common usage of custom fields that can be used to pull reports.

Cost Codes – Too few or Too Many?

Often we see cost code lists that spill onto multiple pages. Most job cost software programs allow for use of one cost code for multiple categories (Labor, Materials, Direct Job Expense, etc.).

A good source to use for establishing a cost code list is the bid recap and detail sheets used when bidding projects. This will yield the different stages of labor, types of materials to install associated with that labor, the different types of equipment to be rented, categories of subcontractors and the details of direct job costs to be incurred.

These activities can be "numbered" to establish a list of cost codes. If the software allows for use of one code across multiple categories, give thought to not duplicating descriptions, but arranging codes together by "type" of work being performed, rented equipment, direct job expenses, work typically contracted out, etc.

Keeping your cost codes consistent will then allow even more sophisticated reporting – management can now ask for all commercial contractor improvement projects in 2013 and the total cost of crane rentals for the year on those specific projects.

Why Go Through These Steps?

History is a great source of information when anticipating the future. Cost details can be analyzed for specific types of jobs when preparing to bid a similar project. Historical information can be analyzed for margins on certain types of projects or a division of the company to make decisions on whether or not a certain type of work is profitable.

If fields are available in the job cost master file, reports can be declined not only by type and year but by project manager as well to look at performance and estimate vs. Actual results.

Conclusion

When developing any numbering system, consistency is important in order to maximize the reporting results. Management should determine the information they wish to see and develop job numbers and cost codes that will allow for advanced reporting not only to themselves but provide useful information to estimating, project managers and accounting as well.

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Automated Real Estate Software – The New Trend in Investing

The value of real estate has appreciated in the last few years. It also shows great potential for growth. Hence, now might be the best time to look at an investment in property. However, if you’ve spoken to someone who already has his knees deep in real estate investing, you will realize that a lot of things are easier said than done.

It requires skill and experience to scour the market for high value properties.

Then comes landing good buyers.

Finally, there’s a humongous amount of paper work to handle.

This is where real estate investing softwares might lend a hand. They automate the entire process of real estate investing. If you would like to know more about such applications, here’s a low down on some of the common features they offer.

Lead generation –

At the click of a single button you are able to find a comprehensive list of buyers and sellers scattered across the country. The information elicited includes names and mail addresses of buyers, owners of properties, the type of property (bank owned, foreclosed, low and high equity, absentee owner etc.) and amount of cash paid.

Website creation –

Every business needs a website, especially if you do not have a physical location from which operate. Not all of us know the technicalities of writing HTML codes and designing a website. The real estate softwares can help you create targeted and user-friendly websites that you can use to showcase your business.

Direct mail generator –

Marketing is the soul of a real estate business. The more you network the more leads you can generate. The direct mail generator feature helps you setup a highly productive and efficient mailing system. You can send out emails, newsletters, posters and flyers.

There are a range of pre-made email templates you can use to send out messages to your leads. Autoresponders make sure you can keep in touch with sellers and buyers even when you are not physically present to answer their queries.

This feature is a highlight feature of most real estate software given that the savings in time and money are large.

Investing tips –

This is a section that most newbies can benefit from. Most applications include a resource library with info on the basic aspects of the trade. An open community of members can also give you an opportunity to interact and build your resource with real-time knowledge about making, building and closing a deal.

Diverse user base –

Modern-day automated real estate investing software applications cater to a varied group of investors. It includes those who buy, fix and flip properties. If you are a landlord, it can increase the convenience of managing your properties including finding tenants and repairing and renovating properties between subsequent deals. There are also features that rehabbers and builders of new constructions can use.

Contracts and paperwork –

Real estate investment also means a lot of paperwork. Most applications offer tools to generate contracts. Features such as auto-fill enable you to fill personal details into letters, contracts and other property-related documents. You can sign them online, and then email or fax them free of charge.

There is one thing – you need to be realistic. Real estate softwares are tools you can use to streamline your business. You should have a real estate business to start with and some basic know-how on investing.

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