Patents by Inventor Mark C. Oman

Mark C. Oman has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Method of refinancing a mortgage loan and a closing package for same
    Publication number: 20040167850
    Abstract: A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.
    Type: Application
    Filed: February 27, 2004
    Publication date: August 26, 2004
    Applicant: Wells Fargo Home Mortgage, Inc.
    Inventors: Geoffery H. Dreyer, Mark C. Oman, Robert James Caruso, Steven Arthur Bulmer, Eric A. Malchodi, Michael John DeVito, Nancy G. Brennan, Michael J. Heid, Timothy P. O'Brien
  • Method of refinancing a mortgage loan and a closing package for same
    Publication number: 20040064402
    Abstract: A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.
    Type: Application
    Filed: September 27, 2002
    Publication date: April 1, 2004
    Applicant: Wells Fargo Home Mortgage, Inc.
    Inventors: Geoffery H. Dreyer, Mark C. Oman, Robert James Caruso, Steven Arthur Bulmer, Eric A. Malchodi, Michael John DeVito, Nancy G. Brennan, Michael J. Heid, Timothy P. O'Brien