Xactus360 is an innovative, easy-to-use technology platform that combines best practices, a wealth of mortgage experience, and customer input, to deliver an intuitive user experience unlike any other. Best of all, Xactus360 revolves around you and your revolving needs.

With Xcatus you can:

Easily compare reports throughout the loan process:

• Allows all types of reports for the same borrower(s) to be compared making change identification easy
• Allows borrowers to be added back, as well as the option to view one borrower on joint reports, both available in real-time

Shorten turn times for supplements & score optimization requests:

• Provides detailed creditor-specific information during the ordering process that may be needed to complete your request. This streamlines your supplement and rescore processes and ensures you can properly communicate to your borrowers the required information up front, increasing consumer satisfaction with the loan process.
• Any additional needs are logged to your request and not just emailed to an individual so anyone accessing the file may check status and recent updates, improving workflow.
• Score optimization tools display credit scores at the top of the screen, easing navigation between bureaus and providing all the needed information on one screen.

Customize outputs to minimize change for your team:

• Create your own groups of people within an account to assign view & access permissions
• Account-level customization ensures an accurate and consistent report while allowing for per file view customization depending on who is viewing the file and what is most important to their function.
• We make the loan process easy by providing consumer-permissioned credit pulls for Pre-Qualification through Qualify Me NowX and Mortgage Credit through Start My ApplicationX.

Set advanced user access controls:

• Provides granular user level control
• Allows many “admin jr.” functions, taking the burden off senior members of your team
• Can be setup to view full groups, branches, or just specific users ensuring everyone only has access to the loans needed
• Enables permissioning through the API, batch uploads, manually or through our ease of access copy user process
• Permits restrictions for rush requests, how often a report may be reordered, where a report may be ordered from, and so much more

Work more efficiently:

• Allows 1-click access to sample files for training, testing and readiness purposes and automatically credits these files nightly so you are never billed for testing
• Includes self-service features to unlock logins and reset passwords, ensuring clients are never delayed. Admins are notified of resets to ensure the highest security standards
• Permits users to move between accounts within your company. They can keep their same login and move up to 120 days of files without changing the file numbers.

Improve automation with leading APIs:

• Increased automation for a better user experience
• Connections with numerous interfaces
• Key Xactus internal integrations such as AppraisalX.

Gain real-time visibility into your invoices:

• Real-time invoices are easy to understand and even display pending charges
• Customize an account invoice to view multiple users, accounts, cost centers, etc.
• Easy access to Total Cost for Borrower invoices that can automatically pull all products associated with the SSN or Loan #