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Our origins with Experian date back to the beginning of Credit Reporting automation. SIR has been serving Western New England for Experian since then and expanded its sales relationship into upstate NY in 2003. Read More
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" Just a quick note to let you know that I am continually blown away with the level of customer service I receive from you. Many times we have to request a supplement in the 11th hour for a loan closing that hangs in the balance, yet you come through every single time. We are definitely spoiled over here! "
Alex, Mortgage Banker
We provide Merged Credit Reports, Flood Determinations, AVMs, Lien Alternative Services, Title Searches, Closing, Doc Prep Services, Score Updates, Score Evaluations, Insured Alternate Lien Positioning Services, Tradeline Updates, and Full Appraisals; all from a single secure web site.
Validate Application Data and Combat Mortgage Fraud with SIR Mortgage Fraud Report. New requirements are calling for even more Borrower and Property Validation and SIR has the solution. Get More Data, Easier and Quicker than ever.
Mortgage Fraud has grown by 1000% since 2000. Our Mortgage Fraud Report enables lenders to quickly identify discrepancies, track issues and comply with all of the latest in seondary market validation requirements.
Check-Up, It's Simple, It's Easy, It's Compliant and IT'S FREE
Check-Up is an online interactive tool that quickly accesses a summary of credit report history changes between origination and closing. Check-Up orders a new report and highlights changes in any data including scores, tradelines, inquiries and collections. This report is printable and it's FREE.
SIR Provides Social Security Verifications. Our Consent Based Social Security Verification Report Provides the most accurate form of social security number validation. Our data is received direct from the Social Security Administration and provides either a "match", "no match" or "match but reported as deceased" report.
SIR offers a host of BPO Report options which can be purchased for a variety of reasons to include: Origination Valuations, Servicing, Loan Sale Due Diligence, Loss Mitigation or REO Management. Broker Price Opinion Reports are prepared by local real estate professionals and are a reliable accurate opinion of a property value and what that property would actually sell for in it's current market.
At SIR we understand that guidelines especially those in mortgage lending are ever changing. Consider us your partner in this ever changing environment and turn to us for solutions such as Verifications of Employment.
A service that expedites disputes and changes the credit repository data that could have a positive effect on the consumer's credit score. This service will assist you in staying close to your applicants while assisting them in improving the chances for the best loan deal you can offer.
The Mortgage Loan Report (MLR) is a credit-based report used for Home Equity, Seconds, and Refinance mortgage loans. This unique SharperLending product gives the lender a view of the borrower's secured mortgage liens as well as any reported judgments and public record information.
"Merged Time Saver" report conveniently blends the trade-lines from all three credit repositiories; Experian, Trans Union and Equifax. SIR's report features several format choices to display output. Choose from Derogatory information first or maybe highest to lowest balance
The LVD is designed exclusively for the busy real-estate lending industry. It provides information on the current owner of the searched property. It also provides the property's legal description and the parcel identification number.
The Property Report provides the name(s) of the current owners(s) of the property, how the property was conveyed to the current owner(s), open mortgages, liens, judgments, tax information, and a complete legal description of the property.
The reasons to request IRS transcripts are abundant. Whether you lend Mortgages, Consumer or Revolving Credit you will find value in receiving tax return transcripts to re-verify or validate borrower income.
Mandated flood hazard status is accomplished easily with Strategic Information Resources Determinations. These reports meet the requirements set by Fannie Mae, Freddie Mac and other investors. The certificates fully comply with FEMA regulations as to format and content.
AVMs, or automated valuation models, automate the subject property valuation process. They are commonly used on refinances, equity loans, and for quality control purposes. First Mortgage Investors have also endorsed AVM products to aide in front end credit risk management. Along with other loan data, AVM's help to determine appraisal inspection requirements.
Appraisal Order Done Right. SIR's Appraisal Management Services are designed around Appraiser Independence. We feature automated appraisal order through Firewall Technology that maintains the spirit of Appraiser Independence yet our process allows lenders to retain your trusted panel of approved appraisers and does not impede with fees which are considered ordinary or customary to the market.