Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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8 Criteria to Choose the Best Antivirus Program For Your Needs

There is no best antivirus program in general. You can make the best choice of your antivirus software depending on your goals, your needs and your environment. In order to choose your best antivirus software you should look at vendor information, independent antivirus certifying agencies reviews, as well as other sources. Here are the essential criteria for the right choice.

1. Compatibility
Antivirus program has to be compatible with your PC configuration. Your PC must meet hardware and software requirements of antivirus solution.

2. Range of Protection
Antivirus software should protect your PC from as many threats and on as many viruses as it can: viruses, worms, trojans, spyware, keyloggers, adware, rootkits, password stealers, phishing attacks, spam and others.

3. Effectiveness
Antivirus protection delivery by antivirus program should be effective and efficient. You may find and compare test results released by independent antivirus certifying agencies: Virus Bulletin, AV Comparatives, ISCA Labs, Westcoast Labs and others. If some antivirus solution was scored by these agencies high and consistently near the top, then you really can not go wrong with this top rated antivirus software.

4. Easy Installation
Good antivirus program has a prompt and easy installation. Interface should be clean, easy, and intuitive to use.

5. Easy to Use
Most users want to "install and forget" their antivirus software. So the best antivirus solution should have default configurations acceptable for most users. And at the same time good antivirus program can be easily configured and tweaked by advanced users.

6. Features
The best antivirus programs have the large features set that may include:
– list of compatible versions of Operational systems and platforms,
– amount of used system resources,
– using of proactive protection without false positives and with effective utilizing of system resources,
– availability of laptop battery saving mode,
– bootable rescue disk,
– silent gamer mode, and other available options.

A comprehensive features set adds strength to antivirus solution.

7. Update
The best security solutions have Automatic Update option and automatically perform updates every hour or "as needed updates" to keep virus definitions and program code up to date.

8. Support
The best security programs have a comprehensive online and offline technical support. The program vendor should provide online knowledge base, FAQs, tutorials, user forums. The best sellers provide 24/7 support so you can ask your questions by phone, email or chat at any moment.

The best for your needs antivirus program delivers you the best security and usability with a minimal outlay of your time, money, or your PC system resources.

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Visualwize Chess Training Software: A Review

Chess enthusiasts of all levels are always seeking ways to improve their chess skills, so that they can win at chess games, whether they play professionally or socially.

One of the most effective ways to improve your chess skills is to use a chess visualization software, which enables you to practice and improve your visualization skills. Visualization is one of the most important skills you need to succeed in chess.

A program that is apparently gaining a lot of popularity and is helping many people to improve their chess is Visualwize Chess Training Software.

Let’s address the basic questions on this software.

What is it?

Visualwize is a chess training software that trains your ability to have a clear mental picture of chess moves before you make these moves on the board. This enables you to assess the implications of your moves before you make the actual moves. This therefore enables you to play better at chess, as you will be able to make the right decisions and avoid making some mistakes that would make you lost a game.

This program has 240 visualization training exercises which are designed to develop your visualization skills. It has and more than 1200 moves to visualize. These moves are real moves made by a master player in real chess games. With the software, you can train to visualize up to 8 moves ahead.

The program consists of 4 levels, level 1 being rather easy and level 4 being hard. You can order the level that suits your needs. For those who really want to significantly improve their skills, level 4, the complete program, is recommended.

How does it work – what does the program actually do?

In simple terms, the program shows a chess position from a game between two chess masters, and then, with arrows, it shows the next few moves that have been made in that position by the renowned chess masters. The arrows stop in a position where a tactic, i.e., a combination that wins the game exists.

Unlike other programs and books that use written annotations for the moves, this program uses arrows on the board. This means it reflects a realistic playing scenario, and you don’t have to take your attention and eyes from the board to read written annotations.

This is one major factor that separates this program from others that are available on the Internet today. Rather than building up the skill of moving your eyes between notation and the board, Visualwize trains you in the art of seeing unfolding moves without actually affecting the board.

On the website where the program is offered, there are many informative and short videos that you can watch, which describe how the program works.

Why is it important – what benefits can you get from this program?

It is recommended that chess players wanting to take their chess to the next level use this program because it offers several benefits:

  • You will be able to see more chess moves ahead, before you actually make any move on the board, giving you an opportunity to assess the consequences of every move before you make it.
  • You will avoid making mistakes which can make you lose a game in an instant.
  • You will make the most of your training time since you will be able to easily visualize the notation below chess diagrams.
  • You become an efficient and effective chess player – you won’t need to calculate variations several times over because you will be able to clearly the consequences of your move in your mind, saving you a lot of time.
  • You will make a wise investment that will help you significantly improve your chess – the program is favourably priced at only $30. If you were to hire a chess coach, you would pay a very high fee per hour of the coach’s time to train you.
  • It is convenient – once you purchase the program, you can train at any time of the day or night, as much as you want.

With several books and programs on how to improve chess, available today, Visualwize is considered to be a cut above the rest among many chess enthusiasts.

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Advantages to Android Game Development

The industry of mobile game development has introduced a very important aspect to the market – the ability to conceptualize, develop, and release video games on devices with far more success and ease than ever before. And with the Android app marketplace only requiring a one-time fee for submitting an application, the cost becomes almost negligible to put the product out for millions of customers to find. Even the submission process is drastically shorter than on most other smartphones, as the app regulation is far more lenient for the Android OS.

Another drawing point for developing games on Android devices is the programming language featured- Java. Java has long been one of the most popular programming languages ​​for video game developers, and that makes it extremely easy for the average programmer to pick up Android development for the first time. Compared to most other mobile platforms, which usually sport modified or newly invented languages, the learning curve is decreed to nearly nothing, so a new developer can complete a game in a fraction of the time.

Another unique aspect to Android game development is the lack of standardization in the droid phone family. As the Android OS is not licensed to a single mobile phone making company, the phones themselves can vary to an extreme degree in terms of features and hardware specifications. While one device may have a fully functional A-GPS and HDMI video compatibility, another may have a QWERTY keyboard and no GPS at all. While this is certainly appealing to some developers, as they are likely to find a phone that will meet their hardware needs reasonably, it will also restrict the potential audience, as some phones will not be able to support the more complex applications.

When the game development process has finally reached the point where it can be released to the public, the developer is presented with yet another choice- which market would the game be most visible in? Unlike the iOS, there are numerous marketplaces and app stores for Android phones, each one with it's own advantages and disadvantages. From the basic Android marketplace, built to only display the apps compatible with the phone currently being used, to the Amazon app store, which offers a different free app every day, the myriad of marketing strategies can be almost daunting, which makes it all the More useful that an application can almost always be entered into multiple marketplaces without issue. However, whenever it makes sense to spread attention across several different fields is another question entirely.

The Android game development process overall really gives the most variety on the smartphone market. From start to finish, strategies can be hand-tailored to the developer's desires, making the game as close to the original concept as currently possible. While the audience may not be as large as that of iPhone users, the Android presents itself as a strong contender, purely through its accessibility. And with the largest variety of smartphones on the current market, the possibilities for development are inexhaustible, and continued releases can only add to the capabilities the platform has to offer.

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What Requirements Does a Dot Net Developer Need to Fulfill?

Microsoft Dot Net is a useful software development component. It provides tools and libraries to the software developers so that they can create Windows-based applications in a more efficient manner. A Dot Net developer is a software programmer who has specific skills using .Net to develop software and computer applications. For people who are in the midst of looking for developers for your projects, there are some areas you need to take note. You are advised to look for competent programmers who can really assist you to complete your tasks successfully.

First thing first, you need to be clear about the responsibilities of a .Net Developer before you start looking for suitable candidate. Seriously speaking, the programmer is required to:

• Work hand in hand with other software engineers and architects to develop a logical series of instructions referred to as programming code for the computer to communicate with the networks, applications and databases.

• Create new software applications to suit the business needs

• Modify, repair, test and enhance existing applications

After knowing what the developer is required to do, the next area we need to take into consideration is the academic qualification. In general, a programmer should have degree qualification in computer science, information technology or any related discipline. If the programmer is not a degree holder, you may take a look at his or her working experience. If the candidate has extensive experience dealing with .Net development tools, you can consider getting him or her in. Check with the candidate whether he or she is familiar with maintenance of ASP Applications, e-Commerce solution, online education and learning, social networking sites, corporate web applications, and so on.

At the same time, a good dot net developer must be competent in carrying out all the important tasks. It is a must for him or her to have the following skills in:

• Classic ASP

• Microsoft SQL 2000 / 2005

• MS Access

• JavaScript, XML, DHTML, AJAX and CSS

• VBScript and JScript

Frankly speaking, if the programmer does not have the above mentioned skills, most of the employers in the job market are not willing to hire him or her.

Besides the skills, we should also take serious consideration on the general qualities of the programmers. They should have qualities as follow:

• Good passion in work

Having great interest in work is important. The programmers should love and enjoy what they are doing.

• Good learning attitude

Learning is a continuous process. We can’t stop at certain stage. Good developers must have positive attitude in learning. They must always grab the opportunities to learn new technology so that good applications can be adapted.

• Some “intelligence”

Honestly speaking, intelligence is something very subjective. What I mean here is the “personality” of the person. Being a programmer, he or she must be smart and sensitive to respond to all changes. It is important for a programmer to be open-minded and willing to take new challenges from time to time.

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How Has Technology Changed Art?

We all are witnessing the changes being made in the art these days. Technology has the power to change anything. It is changing the traditional art into digital art.

Amazing digital art has taken place of traditional art. Digital art is exploring itself in many different ways that one can imagine. Different software is developed to increase the presence of digital art.

Photoshop Artists are one of the most common digital artists who give an amazing look to a picture with the help of imaging software and different applications.

These applications are developed with the help of technology. Anyone can be a digital artist having knowledge and proficiency in Photoshop.

Difference between traditional artists and digital artists is that traditional artists use paint and cement for their art and digital artists use imaging software and applications in their art. Some of the applications have the power to create 3D art work.

Technology has taken art into a new level of creativity. Let us talk about how technology has changed traditional art into digital art. We know that internet is ruling the world with its power. So, artists decided to present their art online with the help of internet. This is possible with use of technology.

You must have seen art galleries and attended painting exhibitions in your life. These doesn’t work well these days so artists find a way where they can get more attention and more praise for their work. Most of the artistic stuff is now seen online and is circulated to the art lovers.

There are some places where exhibitions are held and we do respect them. But presenting paintings, sculptures and art work online is in trend. Some of the artists are also showing their art on the basis of card swipe panel or coins.

How this work – when you enter coins or swipe card in the panel, the panel shows you some of the art work for a few minutes and then gets closed and if you want to see it again or explore more, further you need to swipe your card or add coins into it. This is how artists are using technology.

How digital artists are using technology for their art work

Digital artists already in touch with technology are aware of the systems that are in trend and use them to create their art work and sell them online.

Some of the professional digital artists are earning a lot of bucks by selling their art work. They can also design the ones that you want and are also ready to make any modifications you need.

They use different software to explore their skills and made it more impressive. They are using technologies that offer new ways to express their art work in a realistic way for much more time.

They are using different types of media and mix them to provide a more creative art work. Their 3D art work looks as real as it is present live in front of you.

Technology not only brings changes in education, medical field, industry and business but also brings a huge change in the art work and the artists as well.

Technology opens different paths for the artists to enter into for a good earning. They made their profession more powerful along with their art work.

In our busy lives we hardly get time to meet each other and our loved ones. How can it be possible to see exhibitions and galleries? So technology has brought this change in the art workers to show their skills and talent to people from anywhere in the world.

Technology is getting advanced and making more useful for the common man as well as artists. Technology has provided us with several things that we should be thankful. One of them is digital art work.

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Strengths and Weaknesses of Waterfall Approach for Software Development

One of the most famous and widely used approaches for software development is the waterfall model. Waterfall approach is an old technique that has been in use for quite some time, but in modern times agile approach is gaining prominence.

Waterfall approach, as is evident from the name, refers to a systematic approach where one step comes after the other. It cannot go the other way round. The process works like the waterfall effect that flows in one direction, which is from up to down.

In this process the life cycle of the development process is predetermined. All the steps are defined before the start of the project. The approach is predictive, where the team is well aware of the order of each step and therefore works accordingly. It starts from the requirement analysis, the design phase and then proceeds on to the implementation, testing and the maintenance phases.

The waterfall approach can be quite beneficial for those who are quite clear on their requirements. A planned approach works for them because they want fixed processes and budget. Where fixed processes are beneficial, at the same time they can be inconvenient at times. In cases where the client is not clear on the requirements and finds in the middle of the project that he/she wants to change course, this approach can prove to be quite problematic.

Another point of the waterfall approach is that the requirement analysis and design of architectural structure can consume a lot of time. Extensive research is done initially as the next phases depend completely on the planning strategy. However, the good thing is that everything is thoroughly worked out and each aspect is studied beforehand. The developers in such cases know what is expected of them.

A waterfall approach works in a systematic order, with one step following the other and the testing phase comes in the end. If there are any big problems encountered in the testing phase, it means a long process to make the amends. The process can consume extra time and money.

We cannot conclude that one approach is better than the other, as every method would have its own strengths and weaknesses. The determination of success for each method depends on how it is being used and whether the approach suits the scope of work being undertaken. While one approach may be suitable for a particular project, it might become totally useless under different circumstances. For example, some believe that agile methods are not well suited for offshore development, as they require a closer contact and communication that is not possible in an offshore project.

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Turn Your Basement Into a Virtual Shooting Gallery

An indoor shooting simulator is easy to add on to most projection based home theater systems, and in most cases is an inexpensive way to add hours of entertainment for the whole family. People of all ages enjoy playing the wide range of games that are available for the system, everything from “Baseball Challenge” to “Elephant Hunter” will keep your family and friends entertained. Utilizing a shooting simulator is not only a great way to add excitement to your home theater room; it is also a get way to keep your shooting skills sharp.

System Basics:

There are a few basic requirements for adding a shooting simulator to an existing home theater. The simulator runs on a normal Windows based computer, software is compatible with Windows XP, Windows Vista and Windows 7. The image is broadcast through a projector to a screen, which most projectors and home theater screens will be suitable for use with this simulator. Now all you need to add is a basic simulator package, which includes a rifle, case, camera and five games. Installation of the simulator will only take about thirty minutes to setup and install the new software and hardware. Now you are ready to start enjoying the very best of simulated shooting. To recap the items you need: computer, projector, screen and a simulator package.

Benefits of Indoor Shooting:

There are many advantages to adding an indoor shooting simulator to you home theater room, these are just a few.

Convenience- having the ability to practice your shooting skills from within your own house, cuts down on drive time to the range and you can fire up your system anytime you want.

Cost Savings- ammunition is expensive! You will save a lot of money practicing your skills using a true to life replica laser firearm verses using live ammo.

Safety- using a laser firearm is a much safer weapon to practice will and it’s a lot better for your hearing.

Shooting Variety- with a shooting simulator you have the ability to practice your skills on a wide range of software titles. You can practice shooting skeet and with just a touch of a button you can switch over to another game and practice your marksmanship on simulated popup targets.

Entertainment- Gather you friends and family, challenge them for the highest score or for bragging rights.

Packages and Software:

With this system, there are many packages of both hardware and software available. Looking for a portable package or maybe a complete package if you don’t have a projector, computer and screen? Those packages and more are available. There are over 35 software titles currently available, which can be purchased separately or in 15 game packages. Software titles are being added, so you will always have the option to buy the latest games on the market. Do you have the best Halloween party on your block? There is a Halloween software package that will insure your party is unforgettable. Do you have a young hunter or marksman that could benefit from “Hunter’s Education” software? It is an option on this simulator. Teach them everything from ethical shooting to animal anatomy, with the hunter’s Ed package. Looking to hone your archery skills? This simulator has packages available for you bow enthusiasts. There are several optional firearms which can be added to the system, to maximize the skill development and enjoyment of the simulator.

Adding a shooting simulator to your theater room is easy and a cost effective way of increasing the entertainment value of your room as well as improve shooting skills. If you would like some more information on the shooting simulators or have any questions please contact me through the website.

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Pick 3 Lotto Logix – What You Should Know

The primary goal of Lotto Logix is to present informational resources for many individuals who are interested in playing and winning in lottery. Lotto Logix locates and lists the best lottery websites having useful contents for players; determines the best possible methods and strategies for playing at the lowest cost; finding free lottery games and lists the vital factors a player needs for lottery software. If you want to learn about lottery games such as pick 3 Logix provides pertinent information, which may help you in terms of playing, betting, and winning.

Lotto Logix limits its lists of lottery websites into 1 or 2 links so that players can choose efficiently. The websites are grouped according to their functionality in terms of software, results, and information. More so, Lotto Logix provides information of every website including tips, news, articles, freeware, books, statistics, shareware, programs, software, predictions, wheeling systems, and wheels among others. Since Lotto Logix has the objective of winning the lottery, it also provides assistance for players who would want to do the same. It is undeniable that not everyone has answers or solutions to winning in the lottery. Thus, Lotto Logix hopes in bringing methods and strategies to fit into one tool that will effectively lead to lottery winnings.

Although some lottery players do not believe in the usefulness of lottery software for games such as pick 3 Logix believe that it can help in storing, tracking, and charting winning number combinations. Lottery software provides predictions that are useful in choosing numbers to bet. The software can provide 90% accuracy in terms of distribution of numbers as well as the winning numbers since it lets you import your wheeling system. You can wheel all the numbers in you Pick 3, 5, or 6 games as you are allowed to filter number combinations.

In terms of free lotto games, Lotto Logix locates and lists every free online lottery games with legit prizes and uses state drawings for the winning numbers. On the other hand, Lotto Logix does not list all the games specifically if the websites for such games advertise extremely. This is because Lotto Logix thinks that it is much better to separate them from other free online lottery games that do not advertise as much. As such, it plans on establishing a link-farm page specifically for games that employ pay-per-click advertising or those that employ sign-ups in order to cover for the page cost. However, Logix is not very enthusiastic in creating such additional page. This is because most of these kinds of sites have too much demand that seem outrageous or unbelievable for players.

If you want to improve your odds of winning in lottery games such as pick 3 Logix has determined that playing more tickets is the only efficient way. On the other hand, it has also determined that it is more possible for you to win lower tier prizes while waiting to with the grand prize. It is best to establish strategies that allow you to track specific events for possible winnings.

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Understanding the Significance of Computer Hardware

We are living in an age that is highly influenced by technology. Most of the activities we need to do now are automatic or computerized. Of all the technological developments achieved in the recent past, one significant tool that got developed and which will certainly keep influencing our lives is the computer. You would agree that computers play a very basic role in our daily life, just like the television and the cell phone. We are already at a stage where life will be difficult without a computer. That makes it important to understand the way a computer works, and then be informed of what we should do if it stops working. The most important part of any computer is its hardware, in the absence of which it just can not function.

If you are really keen to assess what has gone wrong with your computer when it stops working, you should understand the working and constituents of its hardware. You should especially have solid knowledge about the computer hardware when you want to undertake its troubleshooting on your own. One important part of the hardware is the RAM memory of any computer. For running any program or application, any computer needs a RAM memory. Other than that, if the computer has a RAM with specifications that are not compatible with the programs it is expected to run, its operation will be slowed down and it would almost crawl. When choosing a computer, you need to ensure that its hardware is not outdated, otherwise you'll have to upgrade it in order to be able to use the intended program.

You must take certain basic precautions while handling the hardware of computers. The most essential precaution is to ensure that the power supply to your computer is switched off, else it could cause an electric shock. Then, before you touch any part within the computer, ensure that you are not carrying any electric charge by connecting to a grounded piece of metal or you may procure an anti-static mat or wrist band available in the market. While inspecting the hardware components, you should look for broken or damaged component, as these are most likely the reasons for the computer malfunction. If a component does not fit in the slot, you are probably trying to fit it in the incorrect slot.

Once you know the hardware employed in your computer and the role it plays in the functionality of your computer, you'll be in a position to undertake its troubleshooting when it malfunctions. Each piece of hardware contributes to the successful function of the computer. To a large extent, the working of a computer depends on the quality of its hardware, making it imperative to keep it in good condition.

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