Fannie Mae

Corelogic Real Estate Solutions, LLC

Cynthia Huffman Keith

J Harvey Trimble

Charlotte Haberaecker

N Grande Bucca

Patria Smith Kunde

Elizabeth Marie Dorsey

Malav Vijay Doshi

Gwen Muse-Evans

Mark Oliphant

Electronic documents corresponding to executed paper documents are certified. A certifying agent receives an electronic document and a corresponding paper document that had been executed pursuant to some transaction. The certifying agent compares the information contained in the paper to that in the electronic mortgage document. If the paper adequately corresponds to the electronic document and is otherwise sufficient, then the certifying agent certifies the electronic document so that other parties can reliably engage in transactions involving the electronic document without having to possess or otherwise inspect the executed paper document. Certification involves application of some form of indicia of certification to the electronic document, such as updating the value of a field corresponding to certification in the electronic document and/or applying a digital or electronic signature corresponding to the certifying agent to the electronic document.

Electronic mortgage document certification

A credit risk framework and systems and methods for using the same. The credit risk framework provides information regarding the eligibility of loans to be sold (delivered) to a purchaser, such as in the secondary mortgage market. The credit risk framework includes determining categories of potentially eligible loans. At least one risk segment is determined and an eligibility grid associated therewith. The eligibility grid is organized using two data elements as axes and forming boxes representing ranges of the two data elements. Each box is then further associated with additional information regarding any restrictions on loans that would fall in the box. Each risk segment may have its own level of delegated authority so as to tie risk to a delegation structure.

Credit risk framework

Quality control for determinations that documents are accurate and sufficient to support various transactions. In one aspect, a document manifest is provided in connection with quality control results and corresponding reports. The document manifest lists documents that are required for a particular transaction. The list may also be associated with document publication pursuant to the transaction. The document publication aspect allows dataset quality control procedures to be associated with documents published for a transaction. This aspect also allows confirmation that the appropriate version of the published set of documents is or was used for the transaction.

Document manifest and publication in association with dataset quality control

Growing community of inventors

Great Falls, VA, United States of America

Cynthia Huffman Keith