Sarma Mortgage Services Overview
For over 30 years Sarma Credit and Mortgage Services has been assisting mortgage professionals close more loans while opening the door to their borrowers' dream home! Our customers view Sarma as being their partner in the credit report process and value the prompt and accurate customer service as well as the numerous features and benefits.
1, 2 and 3 bureau merged credit reports with optional fraud prevention and OFAC add-ons as well as alternative credit reports
Credit Score Updates
Update your clients' credit file as well as their FICO score at all three bureaus in about 72 hours. When update is requested to just one or two bureaus, only those bureaus are re-pulled, allowing the credit score to remain the same on bureaus that were not updated. Also available: no-document rescores.
CreditXpert Essentials, What If Simulator, Credit Detective, Credit Radar
Use these predictive tools and learn how to improve your borrower's credit score. Or identify opportunities to improve credit scores by updating incorrect, missing and outdated information.
The Automated Valuation Model report is a statistical product designed to simulate the traditional appraisal process and provide property valuations in 30 seconds. Great for home equity lending, collateral verification, quality control, etc.
Available on-line using the latest in computer technology.
25+ loan origination packages interface with our program including Calyx, ePass and much more
We have all the Quality Control products needed to keep you in compliance with Fannie Mae
Through the Social Security Administration, verify your borrower's name, social security number and date of birth.
Tax Return Verification
Verify, through the IRS, income information from consumer and business federal tax returns within 24 hours.
Fannie and Freddie Access
Reissue the original standard tri-merge credit report into DU/DO or LP - no need to repull credit which eliminates changes in the credit score or other surprises
Reports include the "Notice to the Home Loan Applicant" and all information to keep you in compliance with FACTA requirements. Take advantage of our extended service and Sarma will mail a copy of this disclosure whenever a credit report is pulled.
Sarma's AppraisalComply is designed for the objectives of HVCC compliance and allows companies to continue with their established appraiser relationships
AccuTrust Ordering Platform
Our platform offers one secure place on the web to order, track and store many of the reports you need to close a loan including.
Mortgage Fraud Report (MFR)
The Mortgage Fraud Report (MFR) enables lenders to quickly identify discrepancies, track issues, reduce the risk of fraud and comply with their secondary market requirements. The MFR searches billions of public records and returns concise, real-time reports to streamline the verification process.