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From Start to Finish, Informative Research Has a Data Solution
In today’s competitive mortgage market, lenders often feel as if they’re running an obstacle course with each new borrower. That is unless they’ve discovered Informative Research.
Secure. Organized. Actionable. Ready When You Are. Tri-Merge Reports by Informative Research
A mortgage is often a consumer’s largest debt commitment, which translates into considerable risk for mortgage lenders. This is one of several reasons why a tri-merge credit report, which provides a highly detailed analysis of an applicant’s credit...
Informative Research Launches Verification Waterfall Solution
Innovative Digital Offering Streamlines Complexities of Employment and Income Verification Process for Lending Community
The Challenge of Compliance vs. Cost
The mortgage industry has no shortage of regulatory oversight. The Fair Housing Act (FHA), Dodd-Frank Act, the Equal Credit Opportunity Act (ECOA), and the Fair Credit Reporting Act (FCRA) are just the start of a long list of federal laws imposed on...
Verification of Assets (VOA) and Why It Matters
In the modern mortgage market, particularly post-2008, one of the most crucial aspects of designing and executing a successful product is risk assessment. Gone are the days of borrowers’ cozy relationship with loan officers or bank executives acting...
How Verification of Employment (VOE) Works for Today's Mortgage Lenders
Following the financial crisis of 2008, U.S. policymakers developed new laws and regulations meant to prevent another economic disaster. One of the more consequential laws passed by Congress was the Dodd-Frank Wall Street and Consumer Protection Act...
Informative Research Names James Boss Executive VP, Client Success
New Role Underscores Client Commitment While Accelerating Focus on Innovation and Growth ST. LOUIS, February 23, 2022 -- Fintech leader Informative Research, a Stewart company, today announced James Boss as Executive Vice President, Client Success....
Six Reasons to Hire a Verification of Employment Partner
After record-breaking revenues and volume over the past few years, 2021 has proven to be something of a “pivot” year for the nation’s mortgage lenders. A diminishing refinance market has redirected focus back to building purchase business. The new...
Asset, Employment and Income Verification Basics for Lenders, Landlords and Businesses
Financial transactions managed by mortgage lenders often require a Verification of Employment & Income (VOE/I) to minimize the risk of financial loss. Employers' hiring staff are another primary user of VOE/I, as are property managers and landlords,...