Product, system and method for certification of closing and mortgage loan fulfillment

A method of processing a mortgage loan comprising the steps of:

• a. providing a certifying company computer system;
• b. inputting borrower, property and loan data into the certifying company computer system;
• c. ordering and obtaining products from outside service provider systems with the certifying company computer system;
• d. entering lender parameters for assessing loan risk into the certifying company computer system;
• e. assessing the borrower, property and loan data and the outside service provider products with the certifying computer system and lender parameters;
• and
• f. delivering mortgage loan fulfillment product based on the assessment.

A method of processing a mortgage loan comprising the steps of:

• a. inputting borrower, property and loan data;
• b. ordering and obtaining products from outside service provider systems;
• c. entering lender parameters for assessing loan risk;
• e. assessing the borrower, property and loan data and the outside service provider products with lender parameters;
• and
• f. delivering mortgage loan fulfillment product based on the assessment.

A system for processing a mortgage loan comprising:

• a. a portal manager module through which borrower, property and loan data may be entered;
• b. a database in communication with the portal manager module and storing the entered data;
• c. a routing manager module in communication with the database and adapted to communicate with outside service provider systems to order and obtain products there from, said products stored on the database when received by the routing manager module;
• and
• d. a decision manager module in communication with the database and loaded with lender parameters for assessing loan risk, said decision manager module using the data and products stored on the database and lender parameters to provide a loan assessment and a mortgage loan fulfillment product if the assessment is favorable.