Abstract: A method for facilitating sale of a loan by a seller to a purchaser where the seller and the purchaser have an agreement regarding the sale of loans including terms and the loan has a set of loan data. The method includes determining a price for the loan prior to selling the loan to the purchaser. The price is based on at least the set of loan data and the terms for the agreement. The method also includes applying a set of business rules to the set of loan data prior to selling the loan to the purchaser to identify compliance with terms of the agreement and/or errors in the loan data.

Abstract: A method for generating a price for a loan comprises providing a seller of one or more loans with an ability to make an N-day forward commitment, wherein N is an arbitrary number selectable by the seller. The method further comprises receiving a commitment from the seller for the one or more loans and generating a market-based price for the one or more loans based on the N-day forward commitment.

Abstract: A system for creating an agreement and tracking compliance with terms of an agreement between a seller and a purchaser for the sale of loans includes deal management logic and a rules processor. The deal management logic is configured to store and track the terms of the agreement using a set of business rules. The rules processor comprises the set of business rules and is configured to facilitate adding or editing at least one business rule based on at least one term of the agreement. In addition, the rules processor is configured to access the business rules to assess compliance with the terms of the agreement during delivery of the loans. The system may also include pricing logic that is configured to create a set of price data based on the at least one term of the agreement.

Abstract: The processing of loans techniques includes a system, and a method. In some embodiments, the system includes a processor, a machine readable storage media, a committing logic, and a user interface. The committing logic is configured to permit a seller of a plurality of mortgage loans to enter into and update commitments to sell the plurality of mortgage loans in secondary mortgage market. The user interface logic is configured to provide an Internet-enabled interface to permit the seller to access the committing logic and to receive the commitments to sell the plurality of mortgage loans by way of the Internet. This Abstract is provided for the sole purpose of complying with the Abstract requirement rules. This Abstract is submitted with the explicit understanding that it will not be used to interpret or to limit the scope or the meaning of the claims.

Abstract: A system for verifying loan data for a loan being delivered by a seller to a purchaser includes underwriting logic that generates a set of underwriting data for a loan and delivery logic that receives a set of delivery data for the loan from the seller and processes the delivery data. The delivery logic includes comparison logic that compares the underwriting data for the loan and the delivery data for the loan to determine any differences. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.

Abstract: A system is provided for generating pricing information regarding loans where each loan has loan level data and is associated with a borrower. The system includes a pricing engine for generating a price for each loan including an interest rate component and a credit risk component. The credit risk component is generated based on loan level data for the particular loan.

Abstract: A system is provided for generating pricing information regarding loans where each loan has loan level data and is associated with a borrower. The system includes a pricing engine for generating a price for each loan including an interest rate component and a credit risk component. The credit risk component is generated based on loan level data for the particular loan.

Abstract: A data processing system for processing loan data for a plurality of loans including a data storage system configured to store loan data for the plurality of loans and a user interface including one or more web pages configured to enable a servicer using a remote computing system to transfer loan data over the Internet to and from the data processing system. The user interface includes a loan activity processing function configured to receive servicer loan data including loan activity data from the servicer, a trial balance processing function configured to enable the servicer to submit servicer loan data for comparison with the stored loan data, and a loan level browsing function configured to allow the servicer to view stored loan data.

Abstract: The processing of loans techniques includes a system, and a method. In some embodiments, the system includes a processor, a machine readable storage media, a committing logic, and a user interface. The committing logic is configured to permit a seller of a plurality of mortgage loans to enter into and update commitments to sell the plurality of mortgage loans in secondary mortgage market. The user interface logic is configured to provide an Internet-enabled interface to permit the seller to access the committing logic and to receive the commitments to sell the plurality of mortgage loans by way of the Internet. This Abstract is provided for the sole purpose of complying with the Abstract requirement rules. This Abstract is submitted with the explicit understanding that it will not be used to interpret or to limit the scope or the meaning of the claims.

Abstract: A system for verifying loan data for a loan being delivered by a seller to a purchaser includes underwriting logic that generates a set of underwriting data for a loan and delivery logic that receives a set of delivery data for the loan from the seller and processes the delivery data. The delivery logic includes comparison logic that compares the underwriting data for the loan and the delivery data for the loan to determine any differences. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.

Abstract: A system is provided for generating pricing information regarding loans where each loan has loan level data and is associated with a borrower. The system includes a pricing engine for generating a price for each loan including an interest rate component and a credit risk component. The credit risk component is generated based on loan level data for the particular loan.

Abstract: A data construct represents a financial asset in a data processing system. The data construct comprises description data, a cash flow map, and process instructions. The description data further comprises creation, purpose, and transaction information data describing the financial asset. The cash flow map further comprises information on cash flows that flow into the financial asset. The process instructions include information on cash flow processing for the cash flows that flow into the financial asset.

Abstract: A system for verifying loan data for a loan being delivered by a seller to a purchaser includes underwriting logic that generates a set of underwriting data for a loan and delivery logic that receives a set of delivery data for the loan from the seller and processes the delivery data. The delivery logic includes comparison logic that compares the underwriting data for the loan and the delivery data for the loan to determine any differences. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.

Abstract: An Internet-enabled interface for receiving commitments to sell mortgage loans. The interface includes a plurality of loan commitment input fields configured to receive loan commitment data. The data input fields include at least a loan type input field, a commitment amount input field, and a commitment period input field. The interface further includes at least one loan commitment output field including loan commitment price information; and a loan commitment transaction button configured to initiate automatic processing of the loan commitment data to create a loan commitment.

Abstract: A data processing system for processing loan data comprises acquisition logic, reporting logic, and financial asset generation logic. The acquisition logic is configured to receive information pertaining to loan term, interest rate, principal owed and other parameters for a plurality of loans. The reporting logic is configured to receive payment information regarding borrower payments in connection with the plurality of loans. The financial asset generation logic is configured to facilitate creation and maintenance of a plurality of financial assets backed by the plurality of loans. The acquisition logic, the reporting logic, and the financial asset generation logic are provided on a common integrated data processing platform.

Abstract: A system for creating an agreement and tracking compliance with terms of an agreement between a seller and a purchaser for the sale of loans includes deal management logic and a rules processor. The deal management logic is configured to store and track the terms of the agreement using a set of business rules. The rules processor comprises the set of business rules and is configured to facilitate adding or editing at least one business rule based on at least one term of the agreement. In addition, the rules processor is configured to access the business rules to assess compliance with the terms of the agreement during delivery of the loans. The system may also include pricing logic that is configured to create a set of price data based on the at least one term of the agreement.

Abstract: A system for creating an agreement and tracking compliance with terms of an agreement between a seller and a purchaser for the sale of loans includes deal management logic and a rules processor. The deal management logic is configured to store and track the terms of the agreement using a set of business rules. The rules processor comprises the set of business rules and is configured to facilitate adding or editing at least one business rule based on at least one term of the agreement. In addition, the rules processor is configured to access the business rules to assess compliance with the terms of the agreement during delivery of the loans. The system may also include pricing logic that is configured to create a set of price data based on the at least one term of the agreement.

Abstract: A method for facilitating sale of a loan by a seller to a purchaser where the seller and the purchaser have an agreement regarding the sale of loans including terms and the loan has a set of loan data. The method includes determining a price for the loan prior to selling the loan to the purchaser. The price is based on at least the set of loan data and the terms for the agreement. The method also includes applying a set of business rules to the set of loan data prior to selling the loan to the purchaser to identify compliance with terms of the agreement and/or errors in the loan data.

Abstract: A computer-implemented cash flow decomposition and repackaging system comprises processing logic and a graphical user interface which is coupled to the processing logic. The processing logic decomposes each of a plurality of home mortgage loans into a plurality of sub-loan level cash flows and repackages the plurality of sub-loan level cash flows to form a plurality of financial assets backed by the plurality of sub-loan level cash flows in accordance with operator inputs. The user interface displays indicia representative of the sub-loan level cash flows, the financial assets, and a relationship between the plurality of sub-loan level cash flows and the plurality of financial assets, including a manner in which at least some cash flows are traceable back to one or more of the plurality of home mortgage loans.

Abstract: A data processing system for processing data regarding a plurality of different types of loan products defines the plurality of types of loan products using a plurality of attributes. The different types of loan products are defined using different combinations of the plurality of attributes and/or different values for selected ones of the plurality of attributes.