An invaluable tool for upstream investors and correspondent lenders, AllRegs Market Clarity™ helps you manage risk and identify market opportunity while giving you the tools to establish and maintain a competitive edge.

Imagine being able to compare 44 key loan product attributes of over 2,800 products for 75 different investors on one web site. No unmanageable spreadsheets, no wading through pages of guidelines and no hours of research. Just a few clicks and you’ve got the same robust comparison that today takes you hours – even days –  to perform. Now that’s true Market Clarity!

With a rich user interface consisting of dashboards, graphs, charts, product templates and actual narrative guidelines, Market Clarity allows users to start at a 20,000 foot view and magnify into the most granular level of product details. Read below to learn more!

All key reports are unique based on your company’s specific individual investor profile. Within Market Clarity™, you’ll be able to access the following tools and resources:

• Dashboards that “slice and dice” product data into similar categories based on their characteristics
  • Organized by critical business elements
  • Multiple graphical visualizers included in each dashboard
• Product searches using fields such as:
  • Investor
  • Loan type
  • Product category
  • Lien type
  • ARM initial period
  • Loan size type
  • Underwriting type
  • Interest only, and more
• Product comparisons represent investor products side-by-side in saved comparison grids in pre-defined layouts; other features include:
  • FICO® comparisons between products
  • Loan-to-value (LTV) comparisons between products
  • Agency standard comparison
  • Fixed-rate products
  • Investor comparisons (masked for those investors you do not do business with)
  • Your key products, side by side
  • Comparisons include key product parameters
• Reports are easily printed or exported
• Investor change data (all investor product changes are tracked and notated)
• Full integration with AllRegs LoanLibrary™, including access to matrices
• Data analyzes more than 75 investors with thousands of products

What is the Value Proposition of Market Clarity for Upstream Investors?

1. Risk Mitigation – Quickly determine if your guidelines are the most lenient on the street – avoid being adversely selected due to changing market conditions.
2. Identify Market Opportunity – Find out what areas of the lending spectrum are underserved, or, where a slight guideline change can result in increased volume.
3. A Sales Tool – Your Account Executives can easily differentiate your program parameters from your competitors.
4. A Quality Assurance Resource – Compare your underwriting guidelines to that of your peers in conjunction with servicing portfolio performance.
5. Increase Efficiencies – Competitive market analysis that you perform today takes tedious research and significant man-hours.  With Market Clarity, the research and compilation is done for you, you simply pick the product.

What is the Value Proposition of Market Clarity for Correspondent Lenders and Brokers?

1. Obtain, Analyze and Compare Business Intelligence.
   1. Quickly determine what Investor has the guidelines most suitable to your needs – and whether or not you are currently doing business with them.
   2. Need to find a buyer for an underwriting mistake? Looking for a niche product?  Using Market Clarity you can search loan parameters of over 2,800 products from 65 investors.
2. Compare Mortgage Insurance Company overlays to Fannie Mae, Freddie Mac or your other Investors.
3. Manage Investor relationships More Effectively – negotiate unique terms of business by being armed with competitive information.
4. Create Proprietary Products – Looking to deliver in bulk and want to increase your delivery options?  With Market Clarity you can quickly compare your Investor’s guidelines across one specific product or loan type and create a set of guidelines suitable to multiple investors.
5. Increase Efficiencies – Competitive market analysis that you perform today takes tedious research and significant man hours.  With Market Clarity, the research and compilation is done for you, you simply pick the product.

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