September 12, 2013
As we embark upon the second half of the month, I wanted to call your attention to National Preparedness Month and a few things you can do to make sure you are prepared in the event of a disaster.
There are any number of agencies and organizations that provide this type of information, but the most popular, and perhaps the most informative, is FEMA. Not only does FEMA have a wealth of information on their website, anyone can take their online courses to become more aware and prepared.
This isn’t about underground bunkers and bomb shelters like in Brendan Frasier’s movie “Blast from the Past,” although I think that would be really cool to have. Unfortunately Texas soil is not quite ideal for underground shelters or even basements.
But it is about just having a few things available ready to grab or use in the case of an emergency. We have tornadoes here so disasters come with little or no specific warnings—but there is a lot we can do to be ready for the inevitable power outages. Those of you in hurricane areas or flood zones have your own issues.
Here is a list of things that FEMA recommends you keep available in a basic emergency supply kit. Remember, you should be able to support yourself after an emergency event for at least 3 days.
- Water, one gallon of water per person per day for at least three days, for drinking and sanitation
- Food, at least a three-day supply of non-perishable food
- Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
- Flashlight and extra batteries
- First aid kit
- Whistle to signal for help
- Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
- Moist towelettes, garbage bags and plastic ties for personal sanitation
- Wrench or pliers to turn off utilities
- Manual can opener for food
- Local maps
- Cell phone with chargers, inverter or solar charge
You can find more comprehensive information at FEMA.gov.
September 6, 2013
WebCaster has been updated!
Here are the highlights of WebCaster 3.1:
- Payment field display: This new field displays a checkbox and monthly payment field in the Rate Sheet section of the product edit page to enable display of monthly payments on WebCaster’s product pages
- My Account Page: Hyperlinked directions for third party email services have been disabled and removed from the borrower login screen to meet compliance mandates
- CNAME change: The setup configuration for custom domains is changing from an “A-Record” IP address to a CNAME URL (secure.web-loans.com) to allow greater flexibility
For more information, visit the What’s New in Webcaster page or KB article #0840.
If you have questions, please contact our WebCaster Customer Support Group at 800-342-2599 during our normal business hours, Monday – Friday 8am – 6pm Central or email firstname.lastname@example.org..
September 5, 2013
Today we welcome two new service providers to the Interfaces and Services menus in Point. Your options for verifications and appraisals have increased with the additions of TRV Services (a division of NCS) and Appraisal Logistics.
TRV® Services is a division of National Credit-reporting System. NCS, founded in 1978, is a full-service, consumer-reporting agency specializing in income, identity and credit intelligence. TRV Services offers concise ability-to-repay insight through customizable reports based on data obtained with the IRS’ 4506-T form. NCS has an industry leading acceptance rate of 92% for the 4506-T forms it submits to the IRS on behalf its clients, and continues to develop new ways for those clients to close more loans while efficiently meeting evolving compliance requirements. TRV Services can be found at Services > Verifications > TRV Services.
Appraisal Logistics is a leading provider in compliance risk management for appraisal independence. With a team of industry experts and a nationwide network of highly qualified and trusted appraisers, Appraisal Logistics provides immediate and exceptional service to regional and community banks and standalone mortgage originators to ensure each appraisal is compliant in a customized, customer-focused environment. It is designed for effective communications, data transfer and storage, with the redundancy and high availability the banking industry require. Appraisal Logistics can be found at Interfaces > Appraisal Services > Appraisal Logistics.
NYLX is now LoanLogics, Inc. and can be found at Interfaces > Product and Pricing > LoanLogics, Inc.
Close more loans faster using vendors in Point. Stay informed of new service providers added to your Point software on our blog or sign up for informative emails from Calyx Software at http://www.calyxsoftware.com/order/email-signup.asp
August 30, 2013
Monday is Labor Day and we’re taking the day off!
If you are going to be working, whether you have to go in or just work from home, you can still et assistance from our Knowledge Base articles. We’ve created a ton of articles on almost any topic related to your Calyx software—with screen shots and step-by-step instructions where necessary.
You can also do a search on this blog using one of the search boxes on the bottom right side of your screen. Sometimes I’ll post an article on a more popular help topic. If you have a question or concern, it’s likely others do too, and we’ve covered it.
You can also take the opportunity to play around with the QM button in Point 9.0. If you haven’t seen it yet, you should—you’ll love it. The QM button appears at the bottom of your open file screens. For Point users, the QM findings report is now included in your current Point 9.0 subscription, but it will be available to everybody in September! Visit the What’s New page to see an example of the report or call 800-362-2599 to find out how to get it.
Find out now if your loans are going to be QM when the rule goes into effect on January 10. Nobody is exempt from this QM rule so don’t wait until January to find out where you stand.
Have a very Happy Labor Day!
August 27, 2013
As the summer winds down and the kids are back in school, we expect a typical reduction in business, right? Well, you wouldn’t know it by our schedule!
September is one of our busiest show months. We’re working hard to hit a lot of shows from coast to coast so we can meet as many of you as possible. This is a great opportunity for us to get some face-time with our current and future clients so we can hear your concerns and feedback. Plus we love to talk about what we’re doing and what’s coming out next!
We hope you’re planning to take advantage of our industry’s down-time to recharge and re-educate at any number of industry events happening in September. If you do, please stop by and visit. You can see where we’re going to be in tomorrow’s newsletter or on our Events page.
If you’re not receiving our newsletter, you can sign up to receive it here. Or if you’d like to receive even more Calyx news and announcements—such as product releases and updates— you can sign up here
I’ll remind you again later this week but just in case you didn’t know, we’re going to be closed on Monday for Labor Day!
Enjoy the rest of your week!
August 22, 2013
Since we released Point 9.0, we have fielded questions from many of you regarding the separate TIL forms for each borrower and we wanted to explain the reasoning behind the change. We have done this for compliance regarding the e-Signature—which is coming soon.
With ink signatures, the signatures of each borrower are distinguishable. However, with e-Signature, the signatures of Borrower and Co borrower are ‘not’ distinguishable. Because of possible legal implications stemming from one borrower signing for co-borrowers without their knowledge or consent, Calyx has taken steps to ensure compliance through your software.
So, with the 9.0 release, we have designed Point to require a separate form to each borrower’s individual email address. Each borrower will receive a separate email with a TIL form that requires their signature—either ink or electronic.
If you have any questions about this feature of Point or any others, you can visit our Knowledge Base or call our support team at 800-342-2599 Monday-Friday 8am-7pm Central or email email@example.com.
August 20, 2013
Have you ever noticed that maybe you’ll spend un-budgeted dollars on getting better at something you LIKE to do (ie. hobbies) but not spend a whole lot of money on getting better at work? Even if it’s for your own business?
I know I do and I’d like to think I’m not the only one!
So here’s a reminder to you that you can be doing something to help yourself out at work. Besides our free online training classes, we also offer professional services for a multitude of needs. You can take advantage of our software and industry experts to learn everything you need to know to get your business automated efficiently and in compliance—either on the phone or in person.
If you don’t need a comprehensive consultation but listening to an online training session isn’t quite your thing, you can always pay for a one-on-one online session. It allows you to target specific needs and you still get an expert that can also give you tips and tricks that can help you though any step of your loan processes.
We all learn differently so that’s why Calyx offers training in different ways. Now that school is starting back and buyers are otherwise occupied, it’s time to invest in yourself and your business. Take time for you.
Check out what we offer and when you’re ready, you can schedule your classes online or call 800-362-2599 to schedule personal interaction.