Calyx Software Message Board / Calyx Point / Miscellaneous

LPMI Entry

snlrocks — Thu, 25 Feb 2010 17:17:02 GMT

Can anybody provide me with the proper way to enter LPMI into Calyx Point?

Thanks

Earnest money deposit

dave1119 — Tue, 16 Feb 2010 16:43:20 GMT

is there a correct place to put earnest money deposit so it syncs up. I noticed from earlier posts that this did not sync. I'm a new user btw.

Calyx Add-in Software Enhancements

MtgMike — Wed, 10 Mar 2010 17:04:45 GMT

BNTouch - Push MX - Cimmaron - 1003 Power

Has anyone used any of these add-ins software programs to help with automation, marketing, etc.?

Any thoughts or experiences?

Thanks.

LOs Teams

TABJulie — Wed, 10 Mar 2010 09:39:22 GMT

We have 2 teams of loan officers that wish to see each other's files - So, LO A and LO B need access to A & B and LO C and LO D need access to C & D.

According to my loan department manager, I cannot set up a separate team loan officer code, nor can I "fudge it" by setting up a separate loan processing code to use. As both of those will mess up reporting.

I do not know any other way to key file accesss. Just wanted to check if I am missing something and if there is another way.

Also, is this something that can be done in PointCentral? We are licensed for it, but do not have it installed yet. I may be able to bide some time if I can tell them it is coming.

HMDA - Non-Married Co-Borrowers - NEED HELP FAST

HeatherS — Thu, 18 Feb 2010 15:17:09 GMT

I am working on my HMDA report and I am trying to get the non-married co-borrowers to show up on one record with the primary borrower. Currently when I export, the primary borrower and co-bor show up as 2 records - my compliance officer says we have to report this as one loan/record. I have tried everything, including completely adding the non-married co-borrower to the borrower's app and it is STILL not showing up. HELP!!

APR calculation with DocMagic

ChrisSauerwein — Wed, 10 Feb 2010 15:52:23 GMT

I don't know how many people use DocMagic, but I'm finding APR calculation differences between Calyx and DocMagic and in today's world that can be huge - so I wanted to just throw that out there for anyone else.

I've posted two extremely basic examples if anyone else has seen this and has a solution. I'm not sure if it's a Calyx thing or a DocMagic thing - and, quite frankly, I can never get APRWIN to work for me to check which is correct.

PMI Question - Help

keystone — Fri, 12 Feb 2010 09:52:56 GMT

Ok, try to follow along :D - I'm IT and was hit with this question and I'm clueless since I don't originate. Basically the LO wants to know why the PMI is changing here is an example ....

Open a new borrower file. Do not enter anything into the loan.

On Borrower Information enter 100,000.00 as the loan amount. Click on the MTG Insurance button at the bottom of the screen.

Keep the base loan amount the same - enter 12 for mths if its not already there. Select a rate of 94% for the PMI/MIP/VAFF - Cancel at should = 78% - Check Calc based on remaing blanace. Hit OK.

Click on the HE & Oblig button - click on the MTG Ins button and then OK to make sure its calcs. It should read 78.33. Click OK.

Now on Borrower Master enter a Note Rate of 5.00% and a term of 360. Now click on MTG Insurance button again and tab through the fields, the PMI calcs to 77.81.

Now the MTG Insurance button screen and the MTG Insurance button inside of House Exp and Other Obligations do not match. Why?

buyer, listing, selling agent

bjust — Fri, 29 Jan 2010 11:31:38 GMT

I have always been unsure as to why Calyx (in tracking: agents) has three different agents listed- Buyer's, Listing and Selling.

What is the selleing agent exactly? Perhaps it is a state thing, but we only 2 with 2 agents.

Thanks.

Read-Only Pages

VAMCBen — Wed, 03 Feb 2010 18:04:23 GMT

Is there any way to make only certain pages Read-only?

Thanks!

HMDA Tracking Screen

Danielle — Tue, 09 Feb 2010 15:26:39 GMT

In one of our files, the "reason for denial" section on the HMDA screen was accidentally filled in even though the loan was closed. When we run our HMDA report, it shows that file as an error, wanting the denial box checked. We went in to delete the reasons for denial, only to find that there is no way to delete them. How do we correct this file so that we can export the HMDA report?

We called tech support and they said that there is no way to delete the reasons for denial and that he can't tell us when or if it's going to be fixed. Is there any patches coming out soon that might correct this? (please, please, pretty please?)

TIL Calculation for ARM

jps_mtg — Wed, 03 Feb 2010 17:17:50 GMT

My payment schedule and APR do not seem to be calculating correctly. My start rate is 3.5% on a 5/1 ARM. I have all of the info entered correctly as far as I can tell but my payment schedule appears as follows and my APR is only 3.508%.

#Pmt Interest Rate

60 3.5%

299 3.125%

1 3.125%

It just doesn't seem right. Any ideas?

Duplicate filenames

Danielle — Wed, 03 Feb 2010 15:47:35 GMT

In the last week, we have started seeing filenames duplicating. We'll go in to work a file, and there will be 2 of that file, right down to the file name. If I delete one file, it corrupts the other and we can't even open it. If I change one of the files, some of the changes will affect the other, but some won't. This has happened 5 times in the last week. Any ideas what might be causing this? or how to fix it?

Also, now I have 5 files that I can't delete or even open, where I can go to remove them?

Disabling of Loan Checklist checkbox

ChrisSauerwein — Wed, 27 Jan 2010 10:12:57 GMT

I'm building a Rule to disable one group (sales) from being able to mark disclosures as being received (the field is 6321), however when adding it to my existing "Disabled fields" rule it's not working.

Is there something special that I need to do within the Loan Checklist to disable a checkbox from working?

Thanks

Privacy Election

LHurley — Wed, 27 Jan 2010 10:17:07 GMT

We are trying to determine the best way to record a customer's privacy election. Is anyone currently recording this information in Point? If so, what fields are being used?

Drop Down List - Originator

adminuam — Wed, 30 Dec 2009 14:40:09 GMT

I noticed in version 7.2 [we upgraded from 6.2b to 7.2] when I add a new Originator, it ends up on the bottom of the list and is not alphabetically inserted. Is there any way to edit a .ini file to manually change the order or is there a setting change to enable the alphabetizing? Thanks in advance.

Removing Defaults in Tracking Status

mgoebig — Fri, 22 Jan 2010 14:28:03 GMT

Is there a way to remove the automatic defaults that are in the status and basic doc fields?

As an Example, the "Clear to Close" in status and "AVM Reports" in basic documents. Our company never uses these fields and I could use them for other purposes.

Non subject property rental income

ChrisSauerwein — Fri, 22 Jan 2010 12:20:35 GMT

This is more of a "how is everyone else doing it?" kind of question, but we have a situation that's causing doubt on how we've 'always done' something and I'd like to get some feedback (both from Calyx folks and users).

It revolves around the Schedule of Real Estate Owned and what figures to put in the Gross Rent for existing rental properties (not subject property). While I realize everyone seems to have their own calculation method to determine the net rent (we use line 22 from Schedule E, plus depreciation, plus mortgage interest, plus taxes, plus insurance) I'm trying to determine how people are using Calyx.

How we've always done it is put the net figure/12 into the 'Gross Rent' and then the mortgage payment and the ins/tax/misc to allow Calyx to calculate accordingly, but we've had push back and in researching, there's no clear cut instructions other than "that's how we've always done it" or "that's what so and so told me" which I don't like. I like black and white. (speaking of, there are different opinions of whether to use 75% or not, but that's a different topic)

Thanks to whoever offers up assistance.

Marking up PDFs in Document Storage

MCO-MV — Wed, 20 Jan 2010 12:16:56 GMT

Here's some background info prior to the question:
-Point Central 7.2 running on server (Windows 2003)
-Point 7.2 running on user PC (Windows XP SP3)
-Adobe Acrobat 9 Standard running on user PC

Here's the problem/question:
User scans a paper document to PDF and adds it to Document Storage in eLoanFile. User previews the imported PDF through the Point viewer and then clicks Open PDF button. File opens in Acrobat 9 standard, user marks up the document using sticky notes. User hits save, closes Acrobat, clicks OK in the preview and returns to the Point file. User then goes back into Document Storage, previews the marked up PDF file, but the sticky note is no where to be found. User then clicks Open PDF button to view the file in Acrobat only to find the same problem, no sticky note. Nothing appears in the comments section either.

Keep in mind, sticky notes DO work when working with PDF files not stored in Document Storage.

Have we run into a limitation with Point and Acobat or is the file not being saved in Document Storage after the user finishes marking up the doc and clicks save in Acrobat?

Any and all insight greatly appreciated.

ARM qualifying payment not correct?

mfrank — Wed, 13 Jan 2010 19:34:08 GMT

ARM qualifying payments I thought were done using the fully amortized payment. But on a file I just did, it was using the interest only payment as qualifying payment even though I did NOT check the box for "Calc Qual Ratios at the Interest Only Payment". Anyone else experiencing this, or did I do something incorrectly?

Thanks,

Michael

NMLS # Not Printing

klh331 — Mon, 11 Jan 2010 17:55:28 GMT

We are transitioning to Point. I am part of the team that has been working to set up the system. When I go into a loan, I can print out the 4th page of the 1003 and the loan originator identifier (NMLS#) is printed on the form. But when the LO goes to do the same thing, it is not printing. At first we thought it was because I have administrative rights, but the other people on the set up team have the same rights and it is not printing for them.

What happened to Point security???

Devek — Mon, 11 Jan 2010 14:09:59 GMT

Using Point (not Central) we encounter a new security issue that I can't believe we're the only ones who need it fixed.

In 7.1, if the Access to "Secured Area" was checked in the User Profile, that user could have Move and Copy loan application from Prospect to Borrower without any problem AND the Banker menu option didn't allow access to the Secondary Marketing option. Access to Financial Information Screens is un-check for all LOs in the User Profile.

In Point 7.2, if the Access to "Secured Area" was checked in the User Profile, that user now has access to Banker -> Secondary Marketing options! Why? If I un-check the Access to "Secured Area" in the User Profile it disable the Banker -> Secondary Marketing option, but also disable the Move, Copy Prospect / Borrower options in the application screen.

The Move / Copy options are basic, while the Secondary Marketing is highly sensitive info. Why did we lose the security option????

When I called Calyx, I was told that I'm the first who raised this issue as a problem. I hope this is not the case....

Aside from purchasing Point Central (which at that point will make the owners here to look at other options as well, price-wise), is there any other Plugin, third-party app or a script to separate the security options?

Tracking Leads

cannan — Wed, 13 Jan 2010 14:35:43 GMT

What is the best way to track referrals in Point once you have a Point file going on a borrower? For example I would like to see all my borrowers that have been referred to my my one person.

Thanks,

Chris

Custom Screen - Calculation

jmohr — Thu, 07 Jan 2010 00:12:15 GMT

Is there ANY way to program a calculation function on the custom screens? I realize I could use the data entered on the custom screen and then export to excel to compute. But for various reasons it would be nice to be able to enter various fields, such as commission info (which is more robust thenTrack: Profit/Loss Screen) and have the amounts auto-calculate. If it can't be done in Point - is there an add-on that someone offers or can program for this functionality?

VA loan comparison is not populating the loan amount

Mdmxaz1 — Sat, 09 Jan 2010 01:28:06 GMT

I do a lot of VA streamlines and we have to complete the VA loan comparison. for the proposed loan amount, it is not populating with the correct amount. It seems to be pulling the loan amount from the mortgage liability on page 3 of loan application. Is this being corrected? Thank you.

Maxine

Utilities | Drop Down List | Originator

adminuam — Wed, 06 Jan 2010 17:12:41 GMT

When I go into Utilities | Drop Down List | Originator to enter in the Loan Originator's NMLS # and check the state they are licensed in, it will keep only one item of information entered - i.e. if I enter in the NMLS number then check the box, click OK, then OK, it will only show the NMLS number. On some it only shows the state licensed in. When I go back into the record, it's as if I never put it in. Is there a resolution or work around for this? Thank you.

Shortcut Toolbar missing

AaronHill — Thu, 07 Jan 2010 10:38:32 GMT

I have a client running remotely that is not displaying the contents of the Shortcut Tool Bar other than 'Source.' When I log into my client using this user's credentials I see the entire contents of the Shortcut Tool Bar; so, I am assuming it has something to do with the settings on the user's computer or within the client itself. Any ideas? This user also cannot see Print Groups although the admin I have given him full access to all templates.

Thanks!

Re-Subordinate Financing

cpeterson — Fri, 20 Feb 2009 07:10:19 GMT

When Re-subordating financing on a refinance, the payment does not stay in the Housing Expense unless you add a 2nd mortgage which then messes up the Details of Transaction. What do I need to do?

Additional Compr from Lender box grayed 7.1

jefft — Mon, 21 Dec 2009 13:19:48 GMT

In 7.1 on the MLDS Traditional page, the field underneath Mortgage Broker Commission is grayed out. How do we enter into this field, as this is where the YSP goes, right?

Thanks

Interface with Doc Express (Cyberdocs)

tomtrahan — Tue, 15 Dec 2009 10:16:59 GMT

I am new to point, so this may be an easy one. We just installed 7.2 and when we interface with Doc Express, the origination fee that we have in point is lost.

Any suggestions would be appreciated.

Merry Christmas to all!!!!!

When I do the enhanced point upload it isn’t importing all the changes I’ve made

RNekola — Mon, 14 Dec 2009 10:46:56 GMT

We have updated a couple of users to the 7.2 client side and are still running the 7.1 PDS server. We are really just using the PDS server for the start of the loans and then we upload all the information into DataTrac. We currently are having issues with the imports. All the information seems to change and get saved correctly within the Point system but when they get to the import and try to upload the information it doesnt put in the correct information.

"The income, employment, reo section, addresses, assets are not importing correctly. It’s basically everything that I change in point."

"When I do the enhanced point upload it isn’t importing all the changes I’ve made. It just imports what was in there from the start. Help? It’s happened on my last 2."

If there is any other information I can provide to you all to help with this issue I will get it for you.

Way to alphabetize loan reps etc.

todrescher — Thu, 12 Nov 2009 17:01:34 GMT

Our representative list is mostly alphabetized, with only the recently-added being on the bottom out of order, so it appears at some point Point would list those alphabetically.
Is there a way to do this in 7.1, without just going in to the folder.ini for every data folder and changing the order [Representative] section?

Conditions Tracking

BT — Fri, 08 May 2009 09:14:56 GMT

I'm researching how our customers are currently using the Track > Conditions screen.

1) If you are using Track > Conditions, are you making use of the "Doc/Fund/Sub/Susp" drop down list? If so, are you using the "Sub" and "Susp" options? What do those options mean to you?
2) Do you use the Mortgage Loan Commitment screen to track conditions and issue a commitment letter?

Any input from users is greatly appreciated. Thanks!

View of Point Data Folders

Phlmartn — Wed, 04 Nov 2009 10:51:44 GMT

HELP........I have just started using Point Central. When I go to LOANS I can see the 4 Server-Based Data Folders and I can see the 4 Local Data Folders (these are the ones I always used before) I came in this morning and I cannot see the local Data Folders in the "Search Loans" screen. I can only see the server based data folders.

I went into POINT Amin and my local data folders are mapped correctly and are active....although they appear "greyed out". At any rate I MUST get into the local folders to continue work and migrate those to the POINT Server.

Any HELP is appreciated.

USDA Guarantee Fee

mtg admin — Mon, 15 Jun 2009 09:32:03 GMT

We have been sticking the USDA Guarantee Fee in the MIP Location - now one investor says it can not be there but i dont know of any other place we can put it and still have it calculate the GFE Correctly - Any Suggestions??

Escrow Initial Account Disclosure Statement

lbessey — Fri, 09 Oct 2009 11:32:49 GMT

Since we have loaded 7.1 we find that Calyx is collecting 1 too many months for taxes and insurance and then withholding a larger aggregate adjustment on the GFE. When we export to our closing software it then changes it and our final HUD does not match the number of months that was disclosed on the Good Faith Estimate.

Example: Taxes due March and Sept -we put 6 in each at $104.84/month

Insurance due in March we put 12 at 43.77/month. We have 2 month cushion. First Payment is 1/1/2010.

Calyx is collecting 12 months insurance and 6 months taxes. Then the aggregate adjustment is equal to a full months payment or $148.61. We believe they are collection 1 too many months of everything. Our closing software does this differently.

This is a concern for us going forward with the changes coming 1/1/2010 on the GFE/HUD.

multiple borrowers

prouleau — Thu, 24 May 2007 11:36:36 GMT

We are "newer" Point users. One of our lenders insists that non-married co applicants have separate application forms. How can we create multipe borrowers, on whom we can order individual credit reports, under one borrower ID? Thanks for the help.

Assigned tasks, I get the reminder

pointandpdsuser — Thu, 05 Jul 2007 13:06:07 GMT

Hi All,
I'm running:
Point 5.4
PDS 5.3
Everyone has access to templates.
I create tasks for my LO's under their .brw file, I then create reminders for the task, I then assign the task to the appropriate LO, I always get the reminder. Is there a way to for the LO to get the reminders instead?

TIA

Credit Report in Doc Storage

luceycompliance — Tue, 13 Oct 2009 16:04:22 GMT

We are having a problem viewing credit reports saved in doc storage. They seem encrypted instead of being saved as visible PDF as before. Is there something we are missing. We have 7.1. Can anyone help resolve this?

Point continually crashing

jbalbuena — Mon, 12 Oct 2009 11:30:53 GMT

I'm using 7.1 PDS and Point is crashing on me when I'm working within the templates. For example, we just updated our processing fee so I'm updating each closing cost template we have, everytime I update 1 scenario save/close and try to go to the next one in the list Point stops working and closes down on me forcing me to restart Point. This happens when I try to change any Loan Program as well.

I did not have this issue prior to PDS, so I'm curious if this is a known issue with PDS, and if so, what can be done to fix this.

Thanks

Josh

TransUnion credit score not populating

SKD — Thu, 08 Oct 2009 16:54:26 GMT

For some odd reason, TransUnion credit score does not populate in point. When I click the credit scores button Transunion is always blank. Also on the credit score disclosure there is no score populated for transunion here either. We have to manually input it. This is happening to all users not just one. Also we are running Point 7.1.