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Process for an inclusive automated consumer controlled mortgage system (ACCMS) containing an automated mortgage monitoring and government compliance auditing system
Process for an inclusive automated consumer controlled mortgage system (ACCMS) containing an automated mortgage monitoring and government compliance auditing system
A system and method completely eliminating the tasks and responsibilities of the mortgage broker, loan officer, and Federally Chartered Banks in the mortgage loan process, thus transforming the Consumer/Borrower's (Consumer) Personal Computer into a Personal Mortgage Company (PMC) establishing a consumer “do-it-yourself” mortgage process bestowing the Consumer the ability and control to complete all processes needed to complete a mortgage loan, from application to closing. Within the system is an automated mortgage monitoring environment initiated each time a Consumer enters the loan environment and for amplified consumer security and confidence; Quality Control stations which monitor and records conversations between the Consumer and the consumer service representative, plus keystroke and ID recording of any consumer service representative that intervened on a loan, and a State and Federal regulator portal which allows financial audits in complete anonymity 24 hours a day, 7 days a week, 365 days a year remotely.
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