Avoid risk in real estate transactions with a 360-degree view of consumers, businesses and properties.

Minimize decisioning delays and maximize the customer experience.

Real Estate and Mortgage Fraud

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Bringing science to risk.


As the mortgage loan industry adopts new technologies and automated workflows, relevant data plays a critical role in lowering costs, shortening processing times and creating great customer experiences. LexisNexis® Risk Solutions real estate tools combine proven identity, property and business intelligence with advanced analytics and intuitive technologies such as machine learning and Artificial Intelligence (AI) to deliver a synthesized view of an existing or prospective customer – at any point in the mortgage loan lifecycle. This enhanced view into consumers and their transactions provides the crucial ingredients that enable your company to quickly verify key components of a mortgage lending transaction so that you can mitigate mortgage fraud and compliance risk.
  

real estate and mortgage

We connect you to the industry’s gold standard for investigative intelligence, unmatched linking and analytic capabilities that provide the deepest view of consumers, businesses and properties – so you can deliver an exceptional mortgage loan application experience. Our robust investigation and validation tools enable real estate businesses to automate key workflows, facilitate seamless digital mortgages, reduce costs and manage mortgage fraud risk across the complete transaction: 

Instantly define transaction risk and defend against exposure to mortgage fraud

Our integrated identity and FCRA-compliant mortgage lending decisioning tools help real estate businesses precisely determine the risks around the people, businesses and properties involved in real estate transactions. Proactively uncover loan application misrepresentations and data inconsistencies at the front of the lending cycle – before a bad loan impacts the profitability of your portfolio or puts your real estate business in the cross-hairs of industry regulators. Our tools also deliver robust and relevant risk insights to simplify real estate due diligence and amplify visibility into details requiring additional investigation:

  • Derogatory information
  • Liens and judgments information 
  • Bankruptcies
  • Licensing issues
  • Undisclosed relationships
  • Criminal activity
  • Undisclosed assets 
  • Outstanding liabilities 

Elevate the digital mortgage experience with expansive risk intelligence

Our real estate solutions help your business provide a seamless, more streamlined digital mortgage experience with minimal friction. By instantly connecting you to the applicant’s identity elements, asset and property data, we enable your business to significantly reduce digital mortgage application complexities and confidently keep digital mortgages on track — anytime, anywhere and from any device.  

Our mortgage decisioning tools deliver the insight and intelligence that enable you to authenticate your applicant upfront, access the customer intelligence you need to stay compliant and accelerate the digital mortgage process. By seamlessly combining market-leading identity and verification solutions and relevant consumer data with the ThreatMetrix® Digital Identity Network® we deliver a 360-degree view into a transaction that helps drive confident decisions and minimize mortgage fraud risk. Our real estate tools deliver current, critical and curated data that seamlessly integrate into your digital mortgage experience:

  • Identifying information and device authentication 
  • Current and prior address history (if less than two years) with own/rent indicators
  • Details of property to be financed as well as current property ownership
  • Potential other real estate owned
  • Financial accounts and current balances 

We facilitate a faster, more secure digital mortgage workflow by enabling your business to quickly complete real estate due diligence, make well-informed decisions and achieve a customer experience that exceeds mortgage applicant expectations. 

Minimize mortgage loan disruptions with deeper liens and judgments intelligence

Early access to full perspective into a loan applicant’s complete credit profile, including information on tax liens and civil judgments, is essential to help minimize unexpected roadblocks and delays that add costs and inefficiencies into the mortgage lending process. Derogatory information can quickly highlight a loan applicant’s diminished creditworthiness and help alert mortgage lenders to carefully investigate additional credit risk that may be associated with the applicant. The presence of a lien and/or judgment in a consumer profile significantly complicates an applicant’s ability to secure a loan and may jeopardize the intended primary lien status of the pending mortgage. Typically, before issuing a loan, lenders and title insurers require an applicant to resolve the open lien or judgment by either paying it off or committing to a structured payment plan. Mortgage loan interest rates are also negatively impacted by the presence of liens or judgments information. To protect against unnecessary risk and make profitable real estate lending decisions, mortgage lenders need access to liens and judgments information early in the mortgage lending cycle.

Liens and judgments information is critical, and commonly utilized, risk decisioning intelligence that helps lenders assess creditworthiness, manage risk and determine interest rates. LexisNexis® Risk Solutions is uniquely positioned to offer FCRA-ready liens and judgments information and connect that data to specific consumers to help mortgage lenders minimize disruptions and make confident real estate lending decisions. By combining the industry’s largest collection of public records and alternative data sources with our powerful linking technology, we provide mortgage lenders with broader perspective into a consumer’s creditworthiness to support stronger risk-based decisioning. Access the advantage of lien and judgment records on more than 86 million consumers sourced from all 50 states and 89 percent of all counties, parishes and boroughs. Pairing this industry-leading level of data coverage with proven analytics and LexID®, our proprietary advanced linking technology, enables us to quickly match disparate data sets and compile FCRA-ready liens and judgments intelligence to support specific risk decisioning requirements across the real estate lending lifecycle.

Improve the precision of mortgage lending decisions and reduce mortgage fraud risk

Our real estate solutions consolidate the vast scope of data that needs to be collected and verified during the mortgage loan process. This information is delivered in structured, curated and consumable segments so your real estate business can confidently and quickly ascertain potential risks within a mortgage lending transaction and avoid mortgage fraud. Trust the industry’s gold standard for intelligence on consumers, businesses and properties to access a 360-degree view of risk across the mortgage transaction and the entire mortgage lending lifecycle:

  • Increase transaction transparency and security   
  • Access identity and device verification
  • Verify occupancy information and uncover occupancy risk 
  • Speed investigations with integrated data and intelligent tools that easily interface
  • Support deeper real estate due diligence with seamless access to consumer, business and property intelligence 
  • Resolve exceptions and remediate alerts to minimize delays
  • Uncover undisclosed information with derogatory intelligence and FCRA-ready liens and judgments data
  • Validate and credential third-parties involved in a transaction
  • Simplify ongoing customer and portfolio monitoring 
  • Strengthen compliance 

Our solutions deliver the deepest, most current view of risk across a mortgage lending transaction so your business can make efficient and profitable real estate lending decisions, reduce mortgage fraud and prioritize a seamless mortgage customer experience.     

The non-FCRA real estate solutions products provided by LexisNexis Risk Solutions are not provided by “consumer reporting agencies” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and does not constitute a “consumer report” as that term is defined in the FCRA. The non-FCRA real estate solutions products from LexisNexis Risk Solutions may not be used in whole or in part as a factor in determining eligibility for credit, insurance, or employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA.  

The FCRA real estate solutions are consumer reporting agency products provided by LexisNexis Risk Solutions Inc. and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq (the FCRA).

Due to the nature and origin of public record information, the public records and commercially available data sources used in reports may contain errors. LexisNexis, Knowledge Burst logo and LexID are registered trademarks of RELX Inc. ThreatMetrix and Digital Identity Network are trademarks of ThreatMetrix, Inc. Copyright © 2019 LexisNexis Risk Solutions. 

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