Abstract: The invention relates to a computer program embodied in a machine readable device for communicating mortgage guaranty insurance related information to a user in connection with a loan for a real property to be made by a lender to a borrower, wherein an insurance policy has been issued to the lender to cover a financial loss arising from a default on the loan independently of the reason for the default that provides a separate monetary limit for loan defaults involving one or more undisclosed liens on the property that secures the loan. The invention also includes a data interface to transmit loan information; to request a loan related search by the information system of at least one borrower related data source and at least one property related data source; to receive the results of the loan related search; and to request registration of the loan under the policy.

Abstract: The invention is directed to a system for providing insurance related information to a user in connection with a loan for a real property to be made by the lender to a borrower, wherein an insurance policy has been issued to the lender to provide financial compensation for a loss arising from a default on the loan, independently of the reason for the default; and to provide a separate monetary limit for loan defaults involving one or more undisclosed liens on the property that secures the loan. The system includes a data interface programmed to receive loan information on the loan from the user; cause a loan related search to be conducted using the loan information of at least one borrower related data source and at least one property related data source to generate a report; provide the results of the loan related search to the user; and register the loan under the insurance policy if the loan is approved.

Abstract: The invention is directed to a method for applying mortgage guaranty insurance to a loan for a real property to be made by a lender to a borrower, which includes covering the lender for a loss arising from a default on the loan, independently of the reason for the default, wherein the coverage provides a separate monetary limit for loan defaults involving one or more undisclosed liens on said property that secures said loan; causing a loan related search to be conducted, wherein the loan related search includes a search of both borrower related information and property related information; causing a report to be generated based upon the loan related search; and associating the loan with the insurance policy if the loan is approved.

Abstract: The invention relates to a system for protecting a lender, having a security interest in a real property against a loss arising in default by a borrower on a loan therefor, which includes covering the lender under a mortgage guaranty insurance policy to provide financial compensation for a portion of the loss independently of the reason for the default; and providing a separate monetary limit for loan defaults involving one or more undisclosed liens on the property that secures the loan; causing the loan to be generated between a lender and a borrower for a portion of the value of the property, which is associated with the policy to trigger the policy in the event of a default on the loan; and requiring that a loan related search be conducted prior to covering of the property under the policy, including reviewing both borrower related information and property related information.

Abstract: The invention is directed to a method and apparatus for protecting a party having an interest in a real property against an inaccurate appraisal of the value of the real property, wherein a loan is provided from a lender to a borrowed, the loan being secured by the real property wherein the system involves generating a determined value of the real property using an automated valuation model; and covering the lender under a warranty for a warranted amount comprising at least a portion of the determined value to provide financial compensation for at least a portion of the appraised in value of the real property. The system of the invention may be accomplished over a computer network, such as by using email and the Internet.

Abstract: Disclosed is a transistor-transistor-logic (TTL) circuit which is testable by D. C. Testing Techniques. The improvement includes a high impedance network for providing sufficient base drive to drive the output transistor into conduction when the malfunctioning input transistor fails to provide a turn-off logic level. The high impedance network can be a Schottky barrier diode and an epitaxial resistor connected in a series path between a potential supply and the base region of the output transistor.