Wholesale Lending FNC/CMS Appraisal Center - …

1 Wholesale Lending FNC/CMS Appraisal Center 10/16/18 x A NEW FNC USERNAME AND PASSWORD request a new FNC ID/password Complete and submit a system access form. Form can be found on Broker Resource Center or CLICK HERE to launch form. The link will open the request form. Save the PDF form to your desktop and then complete the form. Use the submit form button or attach saved form and email to User name and temporary password will be sent by FNC via email Go to http s:// com/unionbank to complete setup and create your permanent password Appraisal ORDER OPTIONS Payment options Pay by Broker (broker enters CC information: Broker OR Borrower CC) or Pay by Borrower (broker sends a link to the borrower to enter CC info). Important note: Pay by Borrower will not complete the order until borrower completes full payment process.

2 Borrower s Credit Card (File does NOT need to be in submitted status). Broker must issue LE and receive borrower s intent to proceed prior to using the Pay by Borrower option or collecting the customer s credit card information for Pay by Broker option. ITP date on LO or broker processor signed LE Certification is used to validate acceptable date on the Credit Card authorization form. Loan Officer s Credit Card (recommended for the best service levels) a. Order the Appraisal with the loan officer s credit card. b. For the loan number on the order screen, just put all 1 s unless you have registered the file in Empower and have a loan # c. Place a comment re the contingency date and COE when ordering so we can prioritize the Appraisal . d. If you are willing to pay a rush fee, please post a comment stating so (typically $50-$100) e. Make sure credit card authorization form shows the loan officer s credit card information in the Broker Paid section f.

3 Use doc order form to be reimbursed after COE FEES AND PAYMENT Estimated Appraisal fees are posted in Broker Resource Center or on the UB Broker Rate Sheet. Payment is required when Appraisal order is initiated If request to cancel is prior to appraiser performing a service a full refund will be provided by Union Bank A partial service will generate a partial refund If the Appraisal service has been completed, no refund will be given RUSH Appraisal Please always post a message on the msg. log with your "need by date. This alerts the Appraisal team that the order needs to be assigned ASAP vs. sitting in a "manual assign" queue. We have to manually manipulate the dates. Note: Need by dates must be reasonable or no appraiser will accept the assignment (3-4 days from order is minimum) Checklist to use when creating rush orders: a.

4 Enter your Need by Date on the Order b. Check the RUSH box c. Post a message under the Appraisal clarifying due date Appraisal DELIVERY Brokers will receive an e-mail notification when the Appraisal is available All appraisals are subject to review and approval by Union Bank Underwriting Union Bank deli vers co py of all appraisals to Borrower NOTIFICATIONS AND Appraisal STATUS Brokers will receive status updates on their Appraisal via email when : Order has been placed A new message has been uploaded by Residential Appraisal Service (RAS) Notification of completed service Appraisal status updates are available via the FNC web site: Appraisal Ordered Completed Cancelled Pending On Hold Appraisal REFUNDS If you (the loan officer) paid for an Appraisal (always recommended on rush purchase loans) you may request a refund to your credit card after COE.

5 The doc order form has a section at the bottom for you to request the refund. If you request a refund, the borrower will be charged the Appraisal fee at COE and the LE & CD must show the fee. Refunds are processed AFTER COE and the credit is applied directly to your credit card in 2-3 weeks. SUPPORT FNC password and IT assistance for existing users Contact FNC Support at or call (888)963-3330 Option 2 for IT issues Website assistance Contact your Union Bank Account Executive / Wholesale Manager/ Wholesale Associate Wholesale Lending FNC/CMS Appraisal Center 10/16/18 Initial Appraisal Order 1 Access FNC Website: Input your User ID and temporary password in the appropriate fields. * User ID and Password is provided by FNC via email. Example of User Name and password are as follows: User ID: testb Password: Abc@1234 You are prompted to enter security information and a new password.

6 Press the update button. Error message appears in pop-up window. Click OK. A new screen may appear with an Internal Server error. Close the window. 2 Add FNC as a Trusted Site Adding FNC as a trusted web site eliminates many security issues. Once in the FNC site, click Tools on the Toolbar. A drop-down box appears. Click Internet Options. A new pop-up box appears. Choose the Security Tab. The Security tab opens. Click the Trusted Sites icon and click the Sites button. A pop-up screen appears with a list of current trusted web sites. The FNC web site automatically populates in the Add the website to the zone section. Click Add. This is a one-time process. 3 Order Appraisal To initiate order request , click the Expand icon right of Order Form. Refinance appraisals: Order once the Earliest Fee Collection Date has been met by Regulation Z (Date sent via Portal Communication Alert.)

7 Purchase transactions: Brokers may initiate the Appraisal prior to submission Borrower must have received an LE and given intent to proceed to pay with their card prior to submission. Wholesale Lending FNC/CMS Appraisal Center 10/16/18 The Order Form section opens. Click Broker Order Form. 4 Order Form The Order Summary and Appraisal Fee screen appears. Complete the Applicant and Property Information Select Payment Option: Pay by Broker or Pay by Borrower Note: To chose Pay by Borrower broker must enter a valid email address Click Next 5 Payment Access (Pay by Borrower) The Borrower or person paying for the service(s) will receive an email from To begin the payment process the recipient will need to click on the link. Note: The email may trigger a spam blocker. Notify borrower to check their inbox and spam folder Confirm some information, Borrower s last name (spelled as inputted into the order page) and the property zip code.

8 Note: If ordering a departing residence at the same time as a purchase Appraisal the zip code will be for the property being purchased. Click Submit Once submit button is clicked, borrower will see and Order Summary screen and needs to click on the $ Provide Payment info button. Wholesale Lending FNC/CMS Appraisal Center 10/16/18 6 Payment Information (Pay by Broker or Pay by Borrower) Broker or Borrower will be directed to this final screen to enter in the CC information and Process the payment. Enter all required fields Click Process 7 Order Confirmation Once all required data has been entered and the Process button has been clicked, the request will be placed with an appraiser and the borrower will see the Order Confirmation screen confirming the order. Brokers are responsible to upload the Appraisal Order Confirmation and Credit Card Authorization form to the Portal see below for upload instructions.

9 *If a second Appraisal is required, the confirmation reflects an estimated fee for each Appraisal 8 Upload Additional Docs THE Appraisal ORDER CONFIRMATION and CREDIT CARD AUTHORIZATION FORM must be uploaded to Empower - Access the Global Document Repository (GDR) section. For more information on loading documents to the GDR access the Upload Documents to the Global Document Repository (GDR) job aid. Wholesale Lending FNC/CMS Appraisal Center 10/16/18 Searching Appraisal Information Messaging 1 Searching FNC for Appraisal Order Information To locate Appraisal order expand the Search section by clicking the expand icon. Several search options become available: FNC Order # Borrower Property Address Open Orders Fulfilled Orders Broker Ref # My New Message If searching by specific reference ID or other specific features, the order information displays to the right.

10 If searching by Open Orders or Fulfilled Orders all orders display to the right. Each order will appear with the following information: RAS ID Service Borrower Broker Ref# Status Appraised Value Address County 2 View Order Information Click the expand icon to view all details and options for the Appraisal order. When the Appraisal Details opens below, 3 tabs are available with additional information. Log and Messages - Compose or review message(s)received from the Residential Appraisal Services (RAS). Associated Files - Upload additional document(s) or view order confirmation. Add New Service Order additional services. 1 Log and Message Tab Message history is listed along with date and time of the message. Click Expand All Messages to view messages. Click Compose A New Message to post a message for Residential Appraisal Services (RAS).