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

A certifying company computer system for processing a mortgage loan and delivering mortgage loan documents, the system comprising:

• a. one or more portal servers having a portal manager module through which a lender enters data into the certifying company computer system, the data including borrower information, property information, and loan requirements;
• b. one or more database servers having a database that stores the entered data;
• c. one or more core servers that interface with one or more portal servers and the one or more database servers, the one or more core servers having a routing manager module, wherein the routing manager module passes the entered data to outside service provider systems and obtains credit fulfillment products, title fulfillment products, and Automated Valuation Model products from the outside service provider systems, said products being stored on the database when received by the routing manager module;
• d. the one or more core servers further having a decision manager module in communication with the database wherein the decision manager module performs an initial loan assessment using the entered data, the products, and decision making rules created by the lender;
• wherein said certifying company computer system delivers to the lender as an output a mortgage loan fulfillment product when the initial loan assessment is favorable, the mortgage loan fulfillment product including:
• a deed of trust;
• b. promissory note;
• c. title insurance policy;
• and
• d. a loan fulfillment certification of compliance for an assessment process performed by the certifying company computer system and integrity of the data used by the certifying company computer system in performing the assessment;
• e. the one or more core servers further having a workflow manager module in communication with the portal server and the core server, said workflow manager module providing task delegation, status and management.