Contents

Knowledge Base Copyright Notice Typographical Conventions Request a Manual ConformX Closer Guide for DataTrac ConformX DataTrac Interface How to Import from DataTrac ConformX Screens Replace Existing Loans Missing Fields Screen Power of Attorney Document Type and Correspondent Lending Edit Fees Screen (Optional) Data Integrity Violation (Optional) Print Documents Screen How to Print with the Adobe® Reader Plug-in How to Email Loan Documents How to Receive Loan Documents by Email How to Print Legal & Letter Documents Client Support ConformX Admin Menu Client Administration Correspondent Defaults Create a Default Correspondent Lender Document Package Types Credit Score Configuration Document Stacking Order Create a new Document Stacking Order Reset Stacking Order Default Document Stacking Order Email Security Fields HELOC Fee Mapping Assign HELOC Fees on Import Import Settings Display New Button on Home Page Investor Defaults Investor Note Endorsement Late Charge Defaults Lender and Investor Alias Mapping Lender and Investor Selection Lender Defaults Loan Program Alias Configuration Create Loan Program Mapping Edit Loan Program Mapping Create a Loan Program Alias Delete Loan Program Alias or Mapping Manage Brokers Assign User to a Broker Map Field Values - View Settings Investor or Lender Prepayment Penalty Matrix Note Execution City and State Source Set Note Execution for Each State Optional and Required Fields Predatory Lending Defaults Set Predatory Lending Checks Prepayment Penalty Defaults Adding Configuration Rules Create Investor or Lender Prepayment Penalty Loan Program Configuration Investor and Lender Defaults Document Configuration Print Override User Password User Roles Users View Users Create, Edit, or Delete a User Assign User to a Broker View Archived System Settings View Changes to Archived System Settings Understanding the System Settings Archive System Default Settings General Settings Disable All Data Integrity Tests Skip Required Fields Check Allow System Default Values to Override Imported Values If Escrow Company Data is Empty, Use Title Company Data Lender and Investor Settings Set Lender to Importing Institution Set Investor to Importing Institution Note Pay to Address Source Payment/Servicing Address - Use Lender Address Return Documents To: Use Lender Address Loss Payee: Use Lender Address Use Correspondent Lender Defaults Loan Program Settings Prompt For Loan Program on Import Allow User to Select Loan Program if Imported Program Does Not Exist Allow Program Mapping to Specify Investor Documents to be Printed Loan Program Defaults Override Imported Values Lender Uses Housing Programs Document Settings Default Document Preference Capitalize Imported Data Values Number of Decimals to Display for Per Diem Interest Note Execution City and State Source Closing Conditions Format Funding Conditions Format Trustee Signature Line Verbiage Documents Prepared By Borrower Signature Lines Appear on Deed of Trust Calculation Settings Include Odd Days Interest in APR Round Principle & Interest Payments Up to the Nearest Cent Margin Index Rounding Type System Default Margin Index Rounding Type Overrides Imported Margin Index Rounding Type Manually Calculate Escrow Disbursement Calculations Include Mortgage Insurance Escrow Cushion Construction Calculation Type Import Settings Maintain Loan Data on Replace Display Lender on Import Display Investor on Import Program Matching - Name Source ConformX Calculates 1003 Section VII E., F. and K. Fee Settings Show Fee Screen Default Fee Values Override Imported Fee Values Only Display Fees That Were Imported Enable Fee Delete on Fee Screen Fee Line for Yield Spread Premium Description for Yield Spread Premium Fee Line for Service Release Premium Description for Service Release Premium Fee Line for MIP Credit Fee Line for VA Funding Fee Prepay and Late Charge Settings Use Prepay Defaults Always Prompt For Prepay Configurations Prepay Defaults Override Imported Values Add Prepay Addendum Language Use Late Charge Defaults Always Prompt For Late Charge Configuration Late Charge Defaults Override Imported Values Understanding Late Charge Default Settings HCL / PredCheck and Fraud Check Settings Enable High Cost Loan Check Enable Predatory Lending Check Privileged User Can Force Print on Failed HCL/PredCheck Enable Fraud Check Enable Advanced Fraud Check Enable DocuTech Fee Calculator Print Settings Enable Fulfillment Center Print Button Start Printing Docs Automatically After Download Allow Document Recipient to Print Partial Package Content-Disposition for Downloading Docs Barcode Font Type Barcode Font Size Email Settings Allow Sender Attachments to E-Mail Sender of E-Mail Receives Notification E-Mail Subject Text E-Mail Body Text Email Variables Validate E-Mail Address Prior to Sending Field Prompt Settings Prompt for Escrow Prompt for Non-Purchasing Entity Prompt for Power of Attorney Prompt for Trust MISMO Settings Web Service ImportGetDocuments Deletes Loan After Use Include XML List of Files in Attachments Return Error to Importing System if Document List is Incomplete Skip Loan Program Lookup General Downloads Field Groups Update Multiple Programs Security Settings Allow Only Single Login Enable Invalid Login Attempt Tracking Enable Invalid Email Login Attempt Tracking Max Allowed Invalid Login Attempts Max Allowed Invalid Email Login Attempts Password Complexity Password Expiration Password Length Session Timeout ConformX Security, Server, & Process Description ConformX Security ConformX Process Flow Description ConformX Process Flow Diagram ConformX Physical Architecture Description ConformX Physical Architecture Diagram Qwest Cyber Center Feature List ConformX Release Notes 3.10.7 3.10.3 Document Package Comparison Functionality 3.10 3.9 3.8 3.7 3.7.1 3.6 3.6.1 3.5 3.4 3.4.4 3.3 3.2 3.1 3.0 2.10 2.10.1 2.9 2.9.3 2.8 2.8.5 2.8.4 2.8.2 2.7 2.6 2.5 2.4 2.3 2.2 2.2.1 Understanding HCL and PredCheck HCL and PredCheck Comparison ConformX Desktop Quick Guides ConformX Desktop Installation Guide New Installation of ConformX Desktop Download ConformX Desktop Installation Steps Update ConformX Desktop Backup the ConformX Desktop Database Download ConformX Desktop Update Update Steps How to Print with ConformX Desktop Select an Investor and Loan Program Select Document Type Missing Fields View and Print How to Print Legal & Letter Documents Client Support How to Import & Export a Loan File How to Repair & Compact a ConformX Desktop Database Repair ConformX Desktop Database Compact ConformX Desktop Database Templates Types of Templates Loan Program Templates Local Templates Enable Templates in ConformX Desktop Enable Templates in DT Classic (VTX) Create Templates Create Loan Program Template Create Local Templates Overwrite Delete Templates Apply Loan Program Templates Apply Local Templates Location of Local Templates ARM Local Template NegAm Local Template TIL Local Template Prepay Penalty and Tiered Prepay Penalty Template Buydown Template HELOC Template ConformX Desktop Release Notes 8.2.2 8.2 8.1 8.0 7.1 7.0 6.9 6.8 6.7 6.6.3 6.6.3.1 6.6.3.2 6.6.3.3 6.6.3.5 Task Watch Login New User Registration View Tasks Show or Hide Archived Tasks Create a New Task Edit a Task Manage Preferences Task Status Task Watch Example Work Flow Glossary of Terms 3/1, 5/1, 7/1 and 10/1 ARMs 7/23 and 5/25 mortgages acceleration Adjustable Rate Mortgage (ARM) adjusted basis adjustment date adjustment interval adjustment period affordability analysis amortization amortization term Annual Percentage Rate (APR) application appraisal appraised value assessment assignment assumability assumption assumption fee balloon mortgage balloon payment bankruptcy biweekly payment mortgage blanket mortgage borrower (mortgagor) bridge loan broker buy down caps (interest) caps (payment) cash flow certificate of eligibility Certificate of Reasonable Value (CRV) Certificate of Veteran Status change frequency closing closing costs COFI construction loan Consumer Reporting Agency (or Bureau) Contract Sale or Deed: conventional loan conversion clause convertible ARM cost of funds index credit history credit report credit risk score debt-to-income ratio deed of trust deed-in-lieu default Deferred Interest delinquency Department of Veterans Affairs (VA) Discount Point document investor down payment due-on-sale clause earnest money earnest money deposit ECOA entitlement Equal Credit Opportunity Act equity escrow escrow disbursements escrow payment executor Fannie Mae Farmers Home Administration Federal Home Loan Bank Board Federal Home Loan Mortgage Corporation Federal Housing Administration Federal National Mortgage Association FHA FHA Loan FHA Mortgage Insurance FHLBB FHLMC FHLMC firm commitment first mortgage fixed installment fixed rate mortgage FmHA FNMA FNMA foreclosure Freddie Mac Fully Amortized ARM GFE Ginnie Mae GNMA good faith estimate Government National Mortgage Association Graduated Payment Mortgage (GPM) Growing Equity Mortgage (GEM) Guarantee Mortgage Guaranty Hazard Insurance Housing Expenses-to-Income Ratio HUD-1 Statement Impound Index Indexed Rate Initial Interest Rate Installment Insured Mortgage Interest Interest Accrual Rate Interest Rate Buydown Plan Interest Rate Ceiling Interest Rate Floor Interim Financing Investor Jumbo Loan Late Charge Lease-Purchase Mortgage Loan Liabilities Lien Lifetime Payment Cap Lifetime Rate Cap Loan Loan Investor Loan to Value Ratio Lock Lock period Lock-in Mapped Field Value Margin Market Value Maturity MIP (Mortgage Insurance Premium) Monthly Fixed Installment Mortgage Mortgage Banker Mortgage Broker Mortgage Insurance Mortgage Life Insurance Mortgagee Mortgagor Negative Amortization Net Effective Income Non Assumption Clause note Office of Thrift Supervision (OTS) One Year Adjustable Rate Mortgage Origination Fee Owner Financing Payment Change Date Periodic Payment Cap Periodic Rate Cap Permanent Loan PITI Pledged Account Mortgage (PAM) Points (Loan Discount Points) Power of Attorney Pre-approval Prepaid Expenses Prepayment Prepayment Penalty Primary Mortgage Market Principal Principal Balance Principal, Interest, Taxes, and Insurance (PITI) Private Mortgage Insurance (PMI) Qualifying Ratios Rate Lock Real Estate Agent Real Estate Settlement Procedures Act (RESPA) Realtor® Recision Recording Fees Refinance Renegotiable Rate Mortgage Residential mortgage credit report (RMCR) RESPA Reverse Annuity Mortgage (RAM) Revolving Liability Satisfaction of Mortgage Second Mortgage Secondary Mortgage Market Security Seller Carry Back Servicer Servicing Settlement/Settlement Costs Shared Appreciation Mortgage (SAM) Simple Interest Standard Payment Calculation Standard Value Mapping Stated & Documented Income Step Rate Mortgage Survey Sweat Equity Tenants-in-common Third Party Origination Title Title Insurance Title Search Total Expense Ratio Truth in Lending Two Step Mortgage Underwriting Usury VA Loan VA Mortgage Funding Fee Variable Rate Mortgage (VRM) Verification of Deposit (VOD) Verification of Employment (VOE) Warehouse Fee Wraparound Mortgage Index