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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 6 April 2025 M T E C H Encompass Partner Connect. Through secure API-enabled technology, this con- temporary architecture allows industry players to interact with ICE solutions and offer their services to loan originators and servicers. Cloudvirga's connection will improve the process of exporting loans made within Cloudvirga's Horizon Retail POS to lenders via the Encompass platform. These loans will be accessible through the Marketplace in the ICE digital lending platform. "We're thrilled to be able to offer this enhanced integration by leveraging the latest API framework because this technology raises the bar for seamless, secure and high-performing POS-to-LOS integrations," said Maria Moskver, CEO of Cloudvirga. "This migration underscores our commitment to delivering cutting-edge technology solutions that empower lend- ers to close loans faster, more securely and with greater confidence." Cloudvirga is making advancements in three crucial areas by utilizing the updated Encompass API platform: • Performance: Lenders may now han- dle loans with previously unheard-of efficiency thanks to the improved integration, which brings about an exponential increase in processing speed. • Security: The integration, which addresses the changing needs of cy- bersecurity, is built with best-in-class security methods and guarantees strong protection of critical loan data. • Maintainability: Future-proofing the integration for years to come, the API-first strategy expedites the cre- ation of new features and speeds up the resolution of possible problems. An essential step in Cloudvirga's goal to streamline and modernize the mortgage process for both lenders and borrowers is the transition to API-enabled technologies. This accomplishment solidifies Cloudvirga's position as a pioneer in innovation, giving mortgage professionals the resources they need to prosper in a sector that is becoming more and more digital. To offer an even more seamless experience, Cloudvirga can more thoroughly connect with other Encompass features using the most recent API framework. MISMO LAUNCHES RESOURCE TO FACILITATE ENHANCED DATA EXCHANGE METHODS T he release of the SMART Doc V3 Sample Package has been announced by MISMO. This tool supports the widespread use of SMART Docs outside of the eNote, which is part of MISMO's broader initiative to reform the industry's data sharing practices. "This new resource represents an important step toward perfecting data security and reliability for the various par- ties across the industry," MISMO Acting President Rick Hill said. The following examples were devel- oped for implementers' usage based on the MISMO SMART Doc V3 Verifiable Profile Specification: • Closing Disclosure • Closing Protection Letter • Commitment for Title Insurance • Request for Tax Transcript (IRS 4506-C) • Request for Certificate of VA Eligi- bility (VA Form 26-1880) • Statement of Credit Denial, Termi- nation, or Change • Verification of VA Benefits (VA Form 26-8937) Hill added that loan documents and related data can be guaranteed to be consistent, dependable, and unmodified thanks to the SMART Doc V3 Verifiable Profile specification, which enables doc- ument data to travel with the PDF and be automatically checked with the document picture. The sample package's candidate documents were chosen from preexisting MISMO Standard Datasets where docu- ment data verification is valuable. Brought to you by & YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS JULY 2024 Magazine White House Main Street America TO FROM THE As the November elections near, what ripple effects will the next Administration have on the housing industry? MortgagePoint gathered a panel of experts to dig deeper into the impact of the Presidential Elections and potential changes in the White House. Subscribe to MortgagePoint and MortgagePoint Digital now! Visit themortgagepoint.com/mp-access to take advantage of our special offer! Experts you trust. People you know. News you want. MortgagePoint is putting essential mortgage market news at your fingertips with our new digital edition, now available online via your smartphone, tablet, or computer. Enjoy the magazine at your desk, and tap into MortgagePoint Digital's easily accessible platform anywhere, anytime. Committed to giving originators, servicers, and all lending professionals access to smarter perspectives, MortgagePoint believes it's time to think differently about the mortgage industry. Because the American Dream is evolving . . . are you? FEATURE STORY THE BEST SOLUTION IS NOT ALWAYS THE SHINY NEW TOY While it can be debated as to how much default and foreclosure activity lies ahead, default servicers must carefully examine their tech systems to keep ahead of the curve. FEATURE STORY DRIVING GROWTH: LEVERAGING HOME EQUITY TO EXPAND LOAN OFFICER OPPORTUNITIES In a tight market, LOs seeking to diversify their offerings are turning to home equity products to expand their role and become a financial guide for life. COUNSEL'S CORNER FACING THE FORECLOSURE AND BANKRUPTCY CHALLENGES OF TODAY Robert S. Kahane, a foreclosure and bankruptcy attorney with more than 30 years under his belt, discusses current compliance issues related to loan servicing process enhancements. EXPERT INSIGHTS TONY JULIANELLE, CEO OF REAL ATLAS ESTATE discusses current market trends and the forces that will shape the landscape in the industry. ALSO IN THIS ISSUE: Brought to you by & YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS AUGUST 2024 Magazine The Burden of Proof MortgagePoint profiles Bron, Inc., a company that has carved out a unique niche with a focus on crucial but often-overlooked tasks such as managing registrations, utilities, and HOA verifications. TO YOUR TRUSTED SOURCE FOR MORTGAGE BANK ING AND SERVICING NEWS OCTOBER 2024 Magazine The Industry Leaves Its Mark at Five Star Conference Exclusive coverage from this year's Five Star Conference, including profiles of the Lifetime Achievement honoree, the Women in Housing Leadership Award recipients, and more. THE 2024 FIVE STAR CONFERENCE & EXPO SEPTEMBER 24-26, 2024 DALLAS, TEXAS