METHOD AND SYSTEM FOR UNDERPERFORMING CREDIT ANALYSIS

摘要

Non-performing home loans can be resolved by objectively matching resolution criteria set forth by a note holder regarding various resolution paths and data provided by the borrower reflecting their current economical state and desired outcome. The non-performing loan resolution system of the present invention determines whether specific loan resolution paths are acceptable based on predetermined criteria set forth by the note holder and data provided by the borrower. Once a resolution path is deemed acceptable, the data is validated and the resolution of the loan completed.

主权项

1. A processor-implemented method for assessing requests to resolve non-performing real estate loans, comprising:
receiving, by the processor, a request for resolution of a non-performing loan, the request specifying data including
personal information,desired outcome,income,asset data, andexisting loan information; receiving, by the processor, a set of acceptance criteria including
interest rate,term,payment, andloan type; comparing, by the processor, the request to the set of acceptance criteria; responsive to the request meeting the set of acceptance criteria, associating, by the processor, the request with an acceptance identifier; and, responsive to associating the request with the acceptance identifier, validating data specified with the request.