A complete suite of home equity services

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When homeowners want to tap into their equity, lenders need to be prepared with solutions that not only meet those consumer needs but also build efficiencies into the lending process. ServiceLink provides home equity services including a full spectrum of valuation, title, closing and flood products. We can help you simplify your processes and reduce application-to-close time frames through customized products and services that meet your unique needs and risk requirements.

Scalable and efficient home equity services

Agility is essential for lenders navigating the ebbs and flows of the real estate market. As volume shifts from purchase to refinance to home equity, ServiceLink’s digital solutions enable you to adjust quickly and close loans with unprecedented efficiency and accuracy. Just as importantly, our dedicated home equity operations and customer service team is here to support you and any specialized requirements you may have, and to provide consistency of service no matter where properties may be located.

Home equity title solutions that benefit borrowers and lenders

Instant title technology, property reports, lender loss protection, ALTA title policies and convenient closings are all at your fingertips with ServiceLink’s home equity title solutions. As part of Fidelity National Financial, ServiceLink has more than 50 years of title experience backing our products and services. We have processed millions of clear-to-close title transactions, saving lenders and customers time, effort and money. With full ALTA home equity title products, the cost of title can be reduced by as much as 30%.

Customizable home equity title solutions

Our home equity title solution allows lenders to customize products based on risk appetite and other borrower needs. Automation is infused through our full suite of title products, from title data at point of sale to uninsured title reports to ALTA products, and more. With this wide range of title products, we’re able to fulfill a wide variety of client needs, according to their individual risk appetites. Our home equity title solutions also include an efficient escalation path to full ALTA title policies when certain states or higher loan amounts are involved.

Property reports based on title-grade data

ServiceLink has access to 10+ years of national data aggregated by Fidelity and other reliable title plants, making it possible for us to deliver comprehensive property reports. We can provide a current owner title search, deed information, ownership vesting data, legal descriptions, tax information status, mortgages/deeds of trust, involuntary liens of record, etc.

Closing home equity loans with ServiceLink

ServiceLink’s national panel of notaries and signing agents are available for in-person closings as well as eClosings and other related services. We complement these capabilities with integrated technology that helps get borrowers to their closing date sooner.

When they use the EXOS® Close app to schedule their closing appointment for the exact date and time of their choice, borrowers know exactly what to expect from the process going forward. It gives them confidence in knowing that you value their business and are working diligently to wrap up their loan as quickly as possible.

ServiceLink closing products include:

  • Traditional In-person Signing
  • Remote Online Notarization (RON)
  • Remote Ink-signed Notarization (RIN)
  • In-person Electronic Notarization (IPEN)
  • Hybrid Closings
  • Limited Power of Attorney (LPOA) Closings
  • Sub-escrow/Closing Protection Letter (CPL)
  • Full Escrow CPL

In-branch or remote virtual closing options

ServiceLink offers hybrid closings, IPEN and RON options, so lenders can experience the benefits of virtual closing, wherever they are on their digital journey. Hybrid and IPEN closings offer many of the same benefits of RON – reduced post-close issues and instant document transfer and disbursements – while still allowing for a face-to-face and/or in-branch closing experience.

Customized home equity valuation services

From automated valuations to full appraisals, ServiceLink offers a full range of home equity valuation services supported by an extraordinary national appraiser network and dedicated compliance and customer service teams. We focus on simplifying and expediting the valuations process, as well as ensuring accuracy, for every lender.

ServiceLink valuation products:

  • Automated Valuation Model (AVM)
  • Property Condition Report
  • Desktop Valuation
  • Desktop Valuation with Inspection (DVI)
  • Residential Evaluation
  • Drive-by Appraisal
  • Interior Appraisal

Digital scheduling to accelerate the valuation process

The EXOS® Valuations platform provides transparency into the process for consumers and lenders alike. Its real-time, digital appraisal scheduling tool empowers borrowers to book their appraisal appointment, receive information about the appraiser (including what type of vehicle they will be driving), confirm information about their property and see next steps.

Flood solutions for home equity lending

For more than 30 years, ServiceLink Flood has been focused on providing the most current data and advanced technology to deliver accurate, efficient and reliable flood solutions. With ServiceLink Flood’s QuickCheck, know the flood insurance requirements early in the loan process to start the conversation with your borrower about potential flood insurance needs. From there, use InstaQuote to find out potential insurance costs and obtain a Basic Flood Zone Determination, a Life-of-Loan Flood Zone Determination and/or a CertMap®.

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