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AllRegs delivers FHA Hotline support service for mortgage lenders

National Mortgage Professional
Aug 04, 2008

Intellidyn debuts ability to target negative amortization loan holders by lender MortgagePress.comIntellidyn, negative amortization loan holders, prospect lists Intellidyn Corporation has announced the release of a series of prospect lists that enable mortgage marketers to target borrowers currently in negative amortization loans. This specialized marketing data enables retail originators to pinpoint and market to prospects by their negative amortization levels, and can be selected by credit criteria and lender name. "Negative amortization loan holders are a very tight base of borrowers organized into micro segments," says Intellidyn CEO Peter Harvey. "Where borrowers with loan balances higher than their original loan amount are located in neighborhoods that are still appreciating, they have the LTV needed to refinance. Certainly this is a small group. However, this is the level of micro-targeting that lenders need to be engaged in while under these market conditions. We anticipate that LTV's will continue to increase, further tightening underwriting criteria. "Although there may only be a total of two million of these loans nationally, far less than that number can be marketed to in today's underwriting conditions. But these small niches can be developed and targeted. As lenders scale, they need to market into many types of niches, not just one or two. Intellidyn will keep introducing these specialized opportunities to enable lenders to profitably generate new loans. "Intellidyn is fortunate to be working with some very forward-thinking lenders. The best ideas always seem to come from the front line, at the branch level. The more we can listen to their needs, the more relevant prospecting opportunities we can uncover for lenders. Capturing these opportunities is critical to helping lenders survive day-to-day, and to stay in the game when the market begins to scale again." For more information, visit
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