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Clarity Technologies

Clarity Technologies is proud to be a Fortinet Silver Partner. Despite the fact that it’s one of the largest cybersecurity companies in the nation and possibly the world, however, many people are not as familiar with it as they are with some of our other affiliations.


If you want to know more about it, following are some of the basics about Fortinet and what our partnership means to you.

What is Fortinet?


As a Fortinet Silver Partner, Clarity's technology consultants can provide loan officers with additional resources for technology security.Founded in 2000, Fortinet is based in Sunnydale, California and has offices around the world. Its mission is to provide integrated, high-performance security within the technology infrastructure. Fortinet secures products that share intelligence and work together to form a “cooperative fabric.” This “security fabric” combines processors, an operating system, and threat intelligence.


Its firewall platform, FortiGate, provides enhanced security and networking functions. With FortiGate and complementary products, clients benefit from network, cloud, web, and email security, as well as advanced threat protection and analytics.


Consider this: More than 25 percent of enterprise attacks are expected to target IoT devices by 2020, according to Fortinet. Fortinet’s security fabric delivers real-time visibility across all applications and devices.

 

Why Our Status as a Fortinet Silver Partner Matters to You


Fortinet is the leading provider of security appliances for carriers, enterprises, and data centers.  It has some of the cybersecurity industry’s most secure solutions, enabling it to provide greater peace of mind for its customers.


As a Fortinet Silver Partner, we are therefore armed with the knowledge and resources necessary to support our own clients’ enhanced network security needs. By working with Fortinet, we can provide you with some of the strongest network security available on the planet.


We also have access to Fortinet’s support portal and a variety of continuing education resources. In other words, our own expertise in network security is unrivaled in the Phoenix, Arizona area, but as a Fortinet Silver Partner, we are that much stronger.

See for yourself. Contact us to learn more about what we can do to further secure your technology systems.

Contact us at Clarity Technologies for more information about what it means to be a Fortinet Silver Partner or for mortgage technology services.

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Clarity Technologies, Form and Plugin Development

Clarity is proud to be affiliated with the Mortgage Bankers Association, enabling us to make a greater difference in the professional lives of loan officers in Arizona. You may be wondering exactly how the affiliation between Clarity and the Mortgage Bankers Association matters to you.


Well, consider these concepts:

  • • For starters, when you choose Clarity for your mortgage technology needs, you can do so with the confidence of knowing we are affiliated with one of the industry’s largest associations in the nation.
  • • As an affiliate of the MBA, we are held to higher standards.The affiliation between Clarity and the Mortgage Bankers Association could mean stronger technological resources for your mortgage technology.
  • • We are in a better position to stay abreast of the latest changes in the mortgage technology industry, the mortgage industry in general, and changes within Ellie Mae’s Encompass LOS.
  • • The MBA provides tools that both mortgage bankers and technology consultants need to formulate stronger and more thorough strategies for the future.
  • • The MBA’s financial research provides us with a broader and more comprehensive view of the solutions our clients need.
  • • Knowing current real estate trends and short- and long-term outlooks allows us to provide you with the service you expect and need.
  • • Educating ourselves on national, state, and local policies ensures that our clients’ systems are up-to-date on quality and legal standards.
  • • We can better protect your mortgage technology from hackers and malware.


Now, if you believe your loan origination system is just fine and you don’t need to modernize, consider these issues next:

1. If you use Encompass, Ellie Mae regularly updates its program, providing loan officers with bigger and better features. Our mortgage technology consultants can help you take advantage of these improvements.

2. About 12 million records were left vulnerable through more than 790 security breaches that occurred in the first half of 2017. Protecting clients’ security is critical, especially for individuals in the mortgage industry who handle an innumerable number of personal documents.

3. Modernizing your systems may help you save money as a result of the elimination of unneeded resources and wasted time.

4. Your prospective clients have come to expect advanced technology from websites, mobile devices, and apps. Updating your systems through various customized plugins and other features will give them the tools they desire.


If you want to know more about Clarity and the Mortgage Bankers Association’s affiliation, or are interested in updating your mortgage technology systems, contact us today. We’re here to answer your questions.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies

For better or worse, the face of home ownership is changing. Decades ago, people married in their early 20s, bought their own houses, and worked at the same job for 30 years. But life is very different today. Young adults, middle-age adults, and seniors are choosing to live together longer, and this pattern is only expected to grow. This concept leads to the question about how intergenerational living trends impact the home mortgage industry – and whether or not home loan providers are making the best use of these trends.


Why Intergenerational Living has Become More Common


A variety of factors have made intergenerational living more common and more accepted in today’s society.

  • • Millennials are choosing to obtain a higher education, which means they often postpone home ownership.
  • As you are updating loan origination systems, it's important to consider how multigenerational living impacts the home mortgage industry.• People are less likely to keep one job for their entire careers. Frequent job changes, whether by choice or layoff, make home ownership less appealing at first. The dream of home ownership is still very real, but people are making the choice to become more financially solid before opening that door.
  • • Thanks to medical advancements, people are living longer, but still may need companionship and assistance from their children and grandchildren.
  • • While the cost of living continues to increase, income doesn’t always keep up with the pace. Intergenerational living means expenses – including the mortgage payment – can be shared.
  • • A greater number of responsible individuals will be available to take care of babies, toddlers, and young children while other adults are away at work or school.
  • • Household chores can be split, taking some of the responsibility off the shoulders of each resident of the house.


These are only some of the issues that have led to this trend toward multigenerational households. Each family can benefit from this trend in its own ways, but financial factors are almost always at the top of the list.

 

How Intergenerational Living Trends Impact the Home Mortgage Industry

While one of the greatest benefits of intergenerational living is the ability to share the mortgage payment with other adults, mortgage loan providers should make sure their mortgage technology addresses these trends. Mortgage loan providers who remain up-to-date with trends and technology will be in a better position to grow their client base and surpass the competition.


Whether multigenerational families are having new homes constructed with ideal living spaces or buying an existing multifamily home, they might decide to name multiple people as owners of the home. This will change multiple factors within the loan documents.


Loan officers may also want to consider the possibility that one or more individuals in the home will take a different route after the mortgage is finalized, leaving the others to deal with the full mortgage payment. In this case, mortgage bankers might have to work with the family to see what options would best meet their needs.


Regardless of the challenges, updating mortgage technology systems will help loan officers fully accommodate this trend, which provides many more benefits than potential downfalls. When it comes to how intergenerational living trends impact the home mortgage industry, the better equipped you are with the right technology, the better off you will be.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies, Managed Services, Support on Demand

The right technological components within your mortgage loan origination system is about more than optimizing your own workflow. Better mortgage technology improves the borrower experience as well in many ways.

And when borrowers are satisfied with your customer service and the mortgage loan experience, it will improve your brand’s reputation overall. That’s what you’re aiming for, after all, and it all starts with having the best mortgage technology consultants in the Phoenix area to help you.

4 Ways Better Mortgage Technology Improves the Borrower Experience

1. Mortgages could possibly close faster than ever.

Including the pre-approval, appraisal, and closing, the typical mortgage process takes 30 to 60 days, and that’s if there are no glitches or extraordinary financial issues involved. Better mortgage technology can possibly cut down that time significantly as a result of better communication and smoother, more efficient digital processes.


2. Borrowers can obtain immediate answers with enhanced digital communication options.

Mortgage technology consultants can set up your systems in a manner that allows everyone to communicate 24/7 if that’s what you want. Your systems can be responsive and easy to use on any mobile device, allowing borrowers to contact you at any time of the day. Buying a house and borrowing such a large sum of money can make virtually anyone nervous, so your clients will feel better knowing that you’re there when they need you – even if it’s just for reinforcement that they’re making the right decision about their new home.


3. Borrowers will trust that they are getting the best financial arrangement.

With the most up-to-date loan origination systems, you can provide borrowers with the most ideal mortgage for their needs. When they see your modern systems, the fact that you are knowledgeable about current trends, and the fact that you are accessible to them, they’ll have greater confidence in the end result.

4. Better mortgage technology ensures compliance.

Policies and processes change often in the mortgage lending industry on local, state, and national levels. When you keep your LOS updated and also manually research changes in the industry, your borrowers will benefit through a solid, fully compliant financial arrangement.

Contact Our Mortgage Technology Consultants to Update Your Loan Origination Systems


These are only a few of the ways better mortgage technology improves the borrower experience. There are many more, but they depend on the borrower’s specific needs and your particular services.

The bottom line is that the better the experience is for each client, the more likely each is to refer you to family and friends or give you a positive review online. As a result, you can enjoy a stronger reputation that will help your mortgage lending business continue to grow.

To learn more about how improving your loan origination system can help both you and your clients, contact us through our Clarity Technologies website or by phone at (480) 418-3428.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies, Form and Plugin Development, Managed Services

With Ellie Mae’s Oct. 22 announcement about its Encompass upgrade, you may be wondering what the changes mean for you. If not, you really should be. Being aware of the changes means being able to take advantage of all that Encompass has to offer.

Encompass Upgrade Highlights


Ellie Mae’s Encompass upgrade is expected to help mortgage lenders originate additional loans, lower origination costs, and shorten closing times as a result of efficiency, compliance, and quality.


The highlights of the upgrade include:

  • • Enhanced Home Equity Line of Credit (HELOC) support
  • • The release of Encompass Dynamic Data Management
  • • Mortgage insurance support for the Ellie Mae Total Quality Loan™ Program


Jonathan Corr, president and CEO of Ellie Mae, said the changes can help mortgage lenders operate more efficiently by using Encompass Dynamic Data Management, achieve complete compliance, and have a more streamlined mortgage process with centralized service ordering. 

What It Means to You

If your loan origination system hasn’t been analyzed in a while, these Encompass enhancements could be the push you need to update your system. If you are working with outdated systems, using tools you don’t need, using the wrong tools, or overlooking the right mortgage lending solutions, you could be losing time and money.


It may be difficult, however, to determine on your own what you should change. While this Encompass upgrade is especially significant due to the release of the Encompass Dynamic Data Management program, changes and modifications occur regularly at Ellie Mae. As a mortgage lender, it’s important for you to keep up with them to ensure compliance, more efficiency, and better customer service.


That’s why we’re here. As an Ellie Mae partner, Clarity Technologies can analyze your mortgage technology systems to provide you with recommendations and customized technology solutions to meet your needs.


Contact us today, and we’ll tell you much more about Ellie Mae’s latest upgrade and how we can help you make it work to your advantage.


Contact us at Clarity Technologies for more information about Ellie Mae's Encompass upgrade or for mortgage technology services.

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Clarity Technologies, Cloud Services, Form and Plugin Development

Mortgage banking is changing quickly, and it’s important for individuals in the industry to change with it – the right way.  Many mortgage bankers are struggling in this ever-changing landscape, but optimizing mortgage technology can help you keep up with the pace.


Examining your existing infrastructure expenses and negotiating new or replacement services is one step that can help you drastically lower costs. IMBs can save money and work more efficiently by implementing better technology while eliminating the technology they don’t need.


You see, you don’t have to have all the tools. What you do need to have are the tools that work best for you.


What Optimizing Mortgage Technology Might Mean for You

 

Optimizing mortgage technology could help you keep up with changes in the mortgage banking industry while saving money on technology infrastructure.Chances are that your business has been doing the same things for months, if not years. As a result, you’ve become accustomed to doing things the way they’ve always been done and are overlooking areas where you can work more efficiently in order to save time and money.


Having a mortgage technology consultant explore your systems will provide you with a fresh perspective. To help you identify areas that could be improved or unneeded options that can be eliminated, Clarity Technologies consultants will potentially examine your systems related to:

 

  • • VoIP: There have been many changes in phone systems over the past several years. If you haven’t updated yours in a while, there’s a good chance you’re using outdated systems or equipment you don’t need.

 

  • • Internet Connectivity: This is an area where you are likely spending more money than necessary. Over the years, you may have added options and tools but neglected to eliminate the ones that you are no longer using.

 

On the other hand, you could be using outdated technology that is more costly than necessary, simply because it’s more difficult to use than modern options.

 

Either way, using the right internet connectivity can help you save time and money, as well as reduce the stress associated with too much clutter in your workday.

 

  • • Disaster Recovery: Again, if you’re using outdated systems, you’re probably spending more than you have to.

 

However, if your disaster recovery systems are not up to par, it’s critical that you improve them, even if it means spending a little more for the option. It’s an expense that will pay for itself through added peace of mind and protection, as just one security breach can cost you thousands if not millions.

 

  • • Electricity: We’ll also determine how the electricity you use works with your technological systems and help you pinpoint areas where you can save money. It may be as simple as switching to LED lighting versus traditional lighting, or using wireless systems as opposed to wired systems.

 

Consider Your Options

 

So what’s the bottom line? You may be able to save 20 percent to 30 percent per month on your infrastructure expenses.

 

For now, all you would need to do is discuss this topic with one of our mortgage technology consultants. Our services for this type of analysis are completely free. Contact us today, and we’ll show you how optimizing mortgage technology can help you work more efficiently while saving money.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies, Form and Plugin Development, Managed Services

When it comes to mortgage technology, it’s not so easy to determine what you need and what you don’t need. Unfortunately, many mortgage providers who use Ellie Mae’s Encompass find themselves plugging in tools they don’t need, while overlooking the ones they do. If that’s you, you need a mortgage technology consultant to point you in the right direction in order to ensure that you are using Encompass as effectively as possible.

Using Encompass Effectively

Are you using Encompass effectively?
Approximately 40 percent of all mortgage providers in the United States use Encompass, but many of them are falling short when it comes to the best ways to use it.

Because Encompass is such a highly customizable tool, it can be easy to misuse it. Some people see these customizable options and attempt to utilize them without fully understanding their purpose or the right ways to implement them. Users can therefore get themselves into some traps through bad designs and bad practices, creating inefficiencies that can lead to complications and disorganization.

Mortgage providers who do have a solid environment in Encompass, on the other hand, clearly spent a lot of time researching their options. As a result, they are better able to use Encompass to reinforce or enhance their work flow as effectively as possible.

How a Mortgage Technology Consultant can Help


A knowledgeable mortgage technology consultant can thoroughly explore your technology needs in order to bring you back into best practices. The consultant can help you eliminate unnecessary steps and tools and incorporate more effective technology solutions.

Another important reason to ask for help is because mortgage providers must be careful about what types of tools they decide to use. The best mortgage technology consultants stay on top of what’s going on in the mortgage technology world, so they can help users avoid installing tools or customized solutions that may become defunct within a couple of years, resulting in an incredible waste of money and resources.

To learn more about how to use Encompass as effectively as possible, contact us through our Clarity Technologies website or by phone at (480) 418-3428. We can help you pinpoint what you need and what you don’t, helping you improve processes while eliminating wasted time.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies

Choosing a web hosting service will be easier when you decide what you need beforehand.Choosing a web hosting service can be a daunting task, especially if you’re not especially familiar with the concept. There are many providers out there, and the prices and features vary widely. In order to choose the right web host for your business, you should start by considering a few factors.

1. Consider the size of your business.

This is the first step. If you represent a large business, you will probably need your own dedicated server for web hosting. If you are part of a small- to medium-sized business, you might do just fine with a shared server.

2. Determine how much storage space you need.

Consider how many people will be using your server on a daily basis, the size of the files being uploaded or transferred, how many outside customers will use your online services on a daily basis, and similar factors.

A bank, for example, will have constant website traffic and likely has hundreds if not thousands of employees, as well as a multitude of automated features. An auto repair facility, on the other hand, might get some traffic daily, but clearly not as much.

3. Think about how often you want to refresh your site.

The best web hosting services will be able to provide you with what you need, whether it’s a small change on the website, the posting of new information, or a complete website facelift. Additionally, someone should be available to assist you during an urgent matter, such as when one of your pages or your entire site goes down.

4. Look for the best security features.

This is one of the most important factors to consider when choosing a web hosting service – because it’s all for nothing if your website isn’t secure. A website that’s not secure is vulnerable, and a security breach could be devastating. Most website hosts have SSL encryption, spam protection, and regular backups, which enable you to retrieve information relatively easily if your website is hacked.

5. Compare prices

It’s important to be willing to pay for superior products and services when it comes to a web host. Doing so can give you peace of mind and reduce the stress and headaches that come from a poorly functioning website.

However, you must make sure that you indeed are receiving better services than the less expensive provider. It’s very possible that the least expensive package is actually the best one for you.

So shop around and ask plenty of questions before making your decision.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies

We don’t need to tell you: there’s a lot of competition out there when it comes to mortgages. Fortunately, regularly updating your websites with relevant, timely, educational information while boosting your activity on your social media sites can place you ahead of the competition. If you’re not already working to improve your online presence, you should start – and start today. Following are only some of the reasons why mortgage lenders should improve digital strategies.

1. You become more relevant in the “eyes” of the search engines.


In order to rank higher in search results, you must do several things, but for the sake of this discussion, we’ll only mention the following two.

One is to regularly update your website with useful information. The search engines want to point searchers to reliable, current websites.


The other is to actively post on your social media sites. The search engines count that too as they’re ranking you. Why? They will realize when you have an engaged audience, and that makes you more of a reliable source.

2. People search the internet first.


Keeping that first point in mind, remember that people who are looking for a mortgage company will search the internet in order to find the best one. And the higher you are in those searches, the more likely those homebuyers are to see the name of your business and contact you.

3. Millennials are buying houses.

One of the reasons mortgage lenders should improve digital strategies is that millennials are buying houses more than other age groups, and they look online first.
Many of the people in your target audience are young adults who do everything online. You want to make it easy for them to find you and also think of you first, and you can do so by remaining high up in the rankings.

4. Competition is fierce.


You simply want to beat out the competition, and staying relevant and active online is one of the best ways to do so.

5. Borrowers want to trust the source.


With smart digital strategies, your mortgage business can steadily remain at the top of the rankings. As a result, people who are interested in obtaining a mortgage are more likely to trust your brand.

6. Smart digital strategies improve communication with prospects.


In addition to bringing in business, improving your online presence provides you with another way of communicating with your past, current, and future clients. You can learn what they were happy with, what disappointed them, and what they want now – helping you improve not only your digital strategies but your overall business efforts.

7. When you improve digital strategies, it keeps you on your toes.


You don’t want what you’re doing and the way you’re thinking to get stale. It’s important to keep up with trends and relevant conversations and reviews.

8. You can integrate your social media efforts with analytics.


When you integrate analytics software into your mortgage technology, your decisions about your business can be supported by the facts. Website analytics will allow you to determine where to find your prospects, who is visiting your website, how they came to your site, and the general area where those visitors were located when they visited your site. You can also learn about spikes and dips in traffic and address them accordingly.


It’s clear that mortgage lenders should improve digital strategies, but there’s a whole lot involved in doing it, especially because you don’t want to stick with the basics. Incorporating technology specific to the mortgage industry can give you a more comprehensive view of everything that is important to your business when it comes to online traffic.


To learn more about what Clarity Technologies can do for your mortgage business, contact us online or by phone at (480) 418-3428.

Contact us at Clarity Technologies for more information about this blog or for mortgage technology services.

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Clarity Technologies

Unless you know every detail of every component and every program known to man, you probably don’t understand all of the thousands of words associated with technology. In fact, new programs, apps, and other technological advancements come about regularly, so even individuals who are thoroughly skilled in technological applications must educate themselves on a regular basis. However, it’s important to know some of the basic terminology, especially in relation to our work at Clarity Technologies, so we’re providing you with a technology solutions glossary of sorts.

To make it easy, we’re defining the phrases in the simplest of terms. Clearly, they’re much more complex than this, but this is a good basis for general understanding.

 
Clarity’s Technology Solutions Glossary

 

Bandwidth: The amount of data, or the range of frequencies, that can be passed along a communication channel

 

Cloud: A virtual system that stores and manages data and applications, such as videos, email, and software, allowing users to access their own information anywhere if they take advantage of its backup capabilities

 

Cookie: A text file created by a website that is stored on your computer to enable the computer to keep track of your preferences and the virtual places you’ve been

 

CRM: Customer Relationship Management, normally used in reference to a software program used to organize customers’ information, demographics, and buying habits

 

DSL: A Digital Subscriber Line used for bringing information to homes and small businesses over telephone landlines

 

Ethernet: A system that connects computer systems to form a local area network

Technology Solutions Glossary: A firewall blocks unauthorized access on your computer.


Firewall
: The part of a computer system that blocks unauthorized access

 

HTML: Hypertext Markup Language used to create web pages

 

IDE: Integrated Development Environment, which is software that consolidates the tools developers need to create software

 

LAN: A Local Area Network usually confined to a small area, such as one office

 

LOS: Loan Origination Systems used in the mortgage industry

 

Malware: A general term used to describe software that is made to damage computer systems (viruses, trojans, worms, and spyware are types of malware)

 

MPLS: Multiprotocol Label Switch, a technique for high-performance networks that simplifies the movement of data from one network to the next

 

Plugin: A software component that adds a specific feature to a customizable program

 

Server: A computer program that provides a service to another computer, or the computer itself that provides this service


SD-Wan
: Software Defined Wide-Area Network used to connect offices and data centers located far apart from each other

Technology Solutions Glossary: VPLS stands for Virtual Private Local Area Network Service.
SDK
: Software Development Kit used by developers

VPLS: Virtual Private Local Area Network (LAN) Service that enables Ethernet-based communication between remote locations

 

VoIP: Voice over Internet Protocol, which enables phone calls over the internet rather than a landline

 

Web Host: A business that houses internet websites


Ask Us to Clear Up the Rest

 

Clearly, our technology solutions glossary doesn’t even come close to defining all of the confusing words you may come across in the technology world. That’s why we’re here: to help you reinvent, organize, and protect your technological systems while explaining it all to you along the way.


If there’s anything specific you want to know, please feel free to reach out and ask us! We’re here to make it all clear to you.

Contact Us at Clarity Technologies

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