SYSTEMS AND METHODS FOR PROVIDING A MORTGAGE REALTOR PORTAL

• US 20140089213A1
• Filed: 08/23/2013
• Published: 03/27/2014
• Est. Priority Date: 09/24/2012
• Status: Abandoned Application

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Plantada, John, Kincaid, Craig A., Jackson, Elizabeth Lynne, Carr, John
• Application Number:
  US13/974,253
• Publication Number:
  US 20140089213A1
• Time in Patent Office: Days
• US Class Current: 705/313
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/16 Real estate

Abstract

Systems and methods of providing a mortgage portal to facilitate initiating a mortgage for closing on property. The system includes a server and several computing devices communicatively connected via a network. The server manages the information, documents, and tasks required to complete the mortgage, including generating alert conditions for notifications, presenting pending files to realtors and lenders, sending notifications for various deadlines, and sending notifications when information and/or documents are received.

Claims

1. A method for managing initiation of loans comprising:

receiving, at a portal device with a processor, a data interface, and memory with a database, information, the information relating to a proposed loan and including financial information, wherein the information is received from a lendee device operated by a lendee;

storing the information in the database; and

sending notification to a realtor that no more information is needed from the lendee.

2. The method of claim 1 further comprising:

sending an alert, via an alert engine, to a realtor device with a data interface and processor, the alert indicating that the stored information is complete.

3. The method of claim 2 further comprising:

generating tasks, the tasks relating to the proposed loan, wherein each task comprises a task status.

4. The method of claim 3 further comprising:

receiving a legal document relating to the proposed loan; and

storing the legal document in the database.

5. The method of claim 4 further comprising:

updating at least one task'"'"'s status when the legal document is received.

6. The method of claim 5 further comprising:

setting an alert, via the alert engine, the alert comprising a notification sent to a realtor device when a task'"'"'s status changes to completed.

7. The method of claim 5, wherein the legal document comprises an insurance policy for a property relating to the proposed loan.

8. The method of claim 7, wherein at least one task relates to setting an interest rate of the proposed loan.

9. The method of claim 8 further comprising:

generating an alert, via the alert engine, the alert relating to sending a notification to a realtor device when a task'"'"'s status changes to completed.

10. The method of claim 8 further comprising:

generating an alert, via the alert engine, the alert relating to sending a notification to a realtor device when the realtor device is within a specified distance to a property, the property relating to the prospective loan.

11. The method of claim 10 further comprising:

sending a notification to a lendee device, operated by a prospective lendee of the prospective loan, the notification relating to a deadline.

12. The method of claim 11 further comprising:

sending a list of prospective loans to the realtor device, each prospective loan in the list relating to a realtor operating the realtor device.

13. A non-transitory computer readable storage medium and a computer program embedded therein, the computer program comprising instructions, which when executed by a computer system cause the computer system to:

receive, at a portal device with a processor, a data interface, and memory with a database, information, the information relating to a proposed mortgage and including financial information;

store the information in the database; and

send notification that the stored information is complete; and

generate tasks, the tasks relating to the proposed mortgage, wherein each task comprises a task status.

14. The non-transitory computer readable storage medium of claim 13, wherein the instructions further cause the computer system to:

receive a legal document relating to the proposed mortgage, wherein the legal document comprises an insurance policy for a property relating to the proposed mortgage; and

store the legal document in the database.

15. The non-transitory computer readable storage medium of claim 14, wherein the instructions further cause the computer system to:

generate an alert, via an alert engine, the alert relating to sending a notification to a realtor device if a task'"'"'s status changes to completed.

16. The non-transitory computer readable storage medium of claim 15, wherein the instructions further cause the computer system to:

send an alert, via the alert engine, to a realtor device with a data interface and processor, the alert indicating that the stored information is complete.

17. A mortgage portal system comprising:

a portal device with a processor, memory with a database, and an alert engine, the alert engine sending notifications, wherein the database includes a mortgage application; and

a realtor computing device that is communicatively connected to the portal device.

18. The mortgage portal system of claim 17, wherein the database further includes information relating to the mortgage application, and a notification is sent when the information is incomplete.

19. The mortgage portal system of claim 17, wherein the database further includes information relating to the mortgage application, and a notification is sent when the information is complete.

20. The mortgage portal system of claim 19, wherein the database further includes tasks relating to the mortgage application, and wherein at least one task relates to receiving legal documents from a lendee of the mortgage application.