Training Manual. LenStarWeb. User Guide. Servicer View. LenStarWeb. Version 1.2 BridgeLink Group 3/28/2003 1:44 PM. London Bridge Group

Transcription

1 Training Manual LenStarWeb User Guide Servicer View Version 1.2 BridgeLink Group 3/28/2003 1:44 PM, Inc. 85 Enterprise Drive, Suite 450 Aliso Viejo, CA Issue 1.00 Doc Owner Training Mgr. Page i User Guide

2 London Bridge in the US operates as LBSS, Inc. Copyright 2003 LBSS, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, transcribed or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of LBSS, Inc. LBSS, Inc. 85 Enterprise Drive, Suite 450 Aliso Viejo, CA Issue 1.00 Doc Owner Training Mgr. Page ii User Guide

3 PUBLICATION DATA Last Revised: 01/09/03 Publication Title: LBSS, Inc., Author: Revision History Version Revision Revision Date Comment/Reference Roll Date Initial /25/02 Initial Draft 06/02 mmm /09/03 New Topic Order 01/03 mmm Review Approval Department Name Approval Date Consultancy Tammy Johnson TJ 08/02 Consultancy John Peck JP 01/03 Issue 1.00 Doc Owner Training Mgr Page 6

4 TABLE OF CONTENTS 1 Introduction About This User Guide Minimum System Requirements Order Entry CHAPTER 1: - GETTING STARTED Logging Into LenStarWeb Searching for a Loan CHAPTER 2: EVENT TRACKING Bankruptcy Tracking Screen Proof of Claim Tracking Screen Deed in Lieu Tracking Screen Eviction Tracking Screen Foreclosure Tracking Screen CHAPTER 3: LOAN INFORMATION Printing Loan Information Bankruptcy - Motion for Relief Loan Information Proof of Claim Loan Information Deed in Lieu Loan Information Eviction Tracking Loan Information Foreclosure Loan Information CHAPTER 4: FILE HISTORY Forwarding File History from the WorkList Printing File History Messages CHAPTER 5: CALENDAR SYSTEM CHAPTER 6: REQUEST SYSTEM CHAPTER 7: DOCUMENT TRACKING CHAPTER 8: HOLD SYSTEM Payoff/Reinstate Sales Bid Priority Comment CHAPTER 9: WORKLIST CHAPTER 10: ELECTRONIC MAIL CHAPTER 11: WORKING WITH LENSTARWEB MENUS Black Box Issue 1.00 Doc Owner Training Mgr Page 7

5 1 Introduction Welcome to LenStarWeb, the mortgage banking industry's next generation, Webenabled workflow application of choice. LenStarWeb is an Internet application, the newest data communications and workflow management tool of choice for the mortgage banking industry. LenStarWeb is an efficient, accurate, productive, and easy way to handle defaulted loans. LenStarWeb is tightly integrated with LenStar, the Windows-based application, which has a proven client base and has been installed in over 400 sites since June Default servicing is a constantly changing world. There is continued demand for improved control of critical processes, elimination of time-consuming tasks, and the compression of timeframes and internal requirements to lower the cost of servicing by increasing the number of loans handled per employee. This creates a constantly evolving and challenging environment. LenStarWeb allows both lenders and attorneys, who are involved in servicing loans in foreclosure and bankruptcy, to share information quickly and easily. In addition to providing an increased capacity to react to compliance issues before penalties are assessed, LenStarWeb also provides improved information management for the lender and attorney, via online WorkLists. LenStarWeb provides the following advantages: Internet-Based, Real-Time Functionality Integration with LenStar for Windows Fast Data Exchange Unlimited System Access Enhanced User Interface Online Report Viewing Capability LenStarWeb communication and tracking software allows servicers and their attorneys to communicate via the Internet, drastically reducing the time required to complete referrals. With these paperless referrals, LenStarWeb virtually eliminates the need for telephone calls and faxes, as well as mail and copier costs. The LenStarWeb system, based on templates controlled by each servicer, dictates events to be completed on a file. It automatically assigns responsibility for each step to the attorney or servicer, and prepares a timeline for completion of each event and its case. When attorneys and servicers update cases on LenStarWeb, the information is immediately available, without any delay in data updating or transmissions. Issue 1.00 Doc Owner Training Mgr Page 8

6 2 About This User Guide This user guide provides information about LenStarWeb tools and commands. Before using LenStarWeb, know the operating system and its conventions. It is assumed that the user knows how to launch programs, use a mouse, copy, paste, open, save, print, and close files. For help with any of these techniques, see the documentation that came with the computer. This user guide helps to: Add and edit tasks pertaining to particular loans. Track a variety of tasks and their due dates. Obtain information from, and exchange information with, the loan servicer. Review the case history for each loan. Ultimately, this user guide illustrates the features of every LenStarWeb module. 3 Minimum System Requirements To use LenStarWeb, the user must have: Internet Explorer 5.01 SP2 or higher (the current version of Internet Explorer is 6.0). LenStarWeb account, set up by the LenStar Consultant Transfer of DBF and FTP files, establish server connectivity, and transfer templates/users/investors tables, under the guidance of the LenStar Consultant Completion of data elements, including event tracking codes, by the LenStar Consultant Initiation of the Web system, by the LenStar Consultant Dial-in to the HUB for sending and receiving data 4 Order Entry Order Entry is a referral module, used to refer cases to attorneys and trustees. All referral personnel should use Order Entry. Order Entry functionality is available for: Bankruptcy Motion for Relief Bankruptcy Proof of Claim Deed-in-Lieu Eviction Foreclosure Issue 1.00 Doc Owner Training Mgr Page 9

7 Order Entry Bankruptcy Motion for Relief Order Entry retrieves data from your main servicing system. It collects the information necessary for an attorney to begin work on a Motion for Relief. The servicer/lender is responsible for sending any necessary documents. Preparing a Bankruptcy Motion For Relief: Access your main servicing system. Open the LenStarWeb Order Entry module. A window will appear, requesting a username and password. Type your name in the username field. Use the Tab key on your keyboard to advance to the password field. Enter your password. Next, use your mouse to click on the OK button, or use the Enter key on your keyboard to load the program. Issue 1.00 Doc Owner Training Mgr Page 10

8 When there are new codes available to download, a message will appear, prompting you to download the new codes. All users must exit Order Entry and Host Post prior to executing this process. Issue 1.00 Doc Owner Training Mgr Page 11

9 If you have a new user who has just been added to LenStarWeb, and this user must have immediate Order Entry or Host Post access, an existing user must force a download of the new codes by going to File, Update Lenstar Codes. The order entry screen will appear. You can perform various data captures from this screen. To inform the system which data capture to perform, use the selections in the Process box: Select the radio button for BK Relief. In your main servicing system, enter the loan number for which you wish to perform a referral. The bankruptcy workstation must be active prior to beginning the capture. For best results, all applicable screens and windows in your main servicing system should be operational and completed. Issue 1.00 Doc Owner Training Mgr Page 12

10 Toggle back to the LenStarWeb Order Entry program. Use your mouse to click on the Start Data Capture button located near the top right portion of the screen: When the capture has begun, a progress box will appear on the screen. When the capture is complete, a new series of screens will appear. The information on those screens may be edited before saving the order. The information should be reviewed for accuracy. Following is a list of the fields displayed. LenStarWeb will capture approximately 90-95% of the information necessary to complete a motion referral. Mortgage servicing personnel remain responsible for inserting the remaining information. The fields that must be completed manually are shown in italicized type in this listing. Capture Results, Page 1: Servicer Loan Number Loan for which you are preparing the MFR Debtor Name (1) Borrower name displayed on your main servicing system Social Security # Social Security number of the primary borrower Debtor Name (2) Co-borrower name as displayed on your main servicing system Social Security # Social Security number of the co-borrower If the alternate debtor window in your main servicing system is active, LenStarWeb will insert the alternate debtor on the loan captured. A pop-up message will be displayed, indicating the alternate debtor window was active. If only one of the primary mortgagors has filed bankruptcy, the person performing the capture must edit the debtor information on Page 1 of the MFR Order Entry screen, to eliminate borrower information that is not applicable. Search Automatically completed Street Property street address City Property city State Property state ZIP Code Property zip code County County where the property lies Tax ID Tax i.d. or parcel number of the property Property Type This field is not currently captured. It defaults to single family detached. To change the display, click on the down arrow to view other selections. Click on the appropriate selection for the loan being captured. Issue 1.00 Doc Owner Training Mgr Page 13

11 Units This field defaults to 1. To change it, move the cursor to the field. Delete the information displayed and use your keyboard to enter the correct information. Street Mailing address (street) City Mailing address (city) State Mailing address (state) ZIP Code Mailing address (zip code) State of Filing State where the bankruptcy court is located (as displayed on your main servicing system) Servicer Defaults to the name of your company Vendor If the escrow payee code is input in your main servicing system and a cross-reference code is present in the LenStarWeb system, the attorney name should automatically appear. If it does not, click on the arrow located on the right side of this field to display attorneys available to receive the referral: Various attorney firm names will be displayed. The firm names are color-coded. A name displayed in black lettering means the firm is live on LenStarWeb and can send and receive information electronically. This also means your company has indicated this is a firm to which you normally refer files. Names displayed in green are online, but have not been designated as firms to which you normally refer files. These settings can be adjusted in the Toggle Vendor Status table located in the LenStarWeb Case Tracking module. Names displayed in red are not online, and no information can be sent electronically via LenStarWeb. Issue 1.00 Doc Owner Training Mgr Page 14

12 If the firm did not automatically display, scroll through the firm names for that state using the slider bar. To select, click on a firm name. That choice will display in the window, and the drop down selections will disappear. Issue 1.00 Doc Owner Training Mgr Page 15

13 Investor You are required to select an applicable investor for each referral. To do so, click on the down arrow located on the right side of this window. A drop down list will appear with the following selections: Freddie Mac To be used on non-designated counsel files Freddie Mac Designated Counsel To be used if the file is being referred to designated counsel Fannie Mae (Recourse) Fannie Mae (Wholly Owned) Non-recourse loans Residential Funding Corp. Other This selection is used if none of the previous five are applicable Click on the appropriate choice. The drop down selection area will disappear and your choice will be displayed in the window. Loan Type Automatically displays. Associated with the LO Type field on your servicing system. The exception is a referral of a coop loan. In that case, click the drop down arrow and choose coop Processor The name as displayed on your main servicing system. If no name displays, it generally indicates that: The processor name, as displayed on your main servicing system, does not have a LenStarWeb login. The processor name, as displayed on your main servicing system, does not exactly match the login name created on LenStarWeb. Issue 1.00 Doc Owner Training Mgr Page 16

14 To assign a processor or change the name displayed, click the down arrow located on the right side of this field. A drop down list of names will appear: Choose the person to which the file should be assigned by clicking on it with your mouse pointer. The drop down display will disappear, and the name selected will show in the window. When all information is displayed correctly, click on the Confirm Data button: This will automatically forward you to the next page of information. To correct information after it is confirmed, you may review any page by clicking the appropriate heading (Page 1, Page 2, Page 3, Page 4, or Page 5). If information on that page has already been confirmed, the Confirm Data button will now display as Enable Edit: Clicking this button allows editing the fields displayed on the page. Capture Results, Page 2: The following information is captured from the MAS1/INV1 screen: Issue 1.00 Doc Owner Training Mgr Page 17

15 If a listing of investors is maintained in LenStarWeb, override this information by clicking the Name button. A new screen will appear. This screen lists investors in alphabetical order: To select an investor, highlight the desired line item and click the Select button. The new window will disappear, and the desired investor information will appear on Page 2 of the Order Entry capture results. Name Investor name Contact Primary contact for this investor Street (1) Street address for the investor Street (2) Street address for the investor City City in which the investor is located State State in which the investor is located ZIP Zip code Loan # Loan number assigned by the investor % Owned Percentage of ownership this investor has on this loan Mortgage Insurer Information: If the loan carries private mortgage insurance, and the insurer information is displayed on the screen, this section will reflect that information. It does not display pool insurer information: Issue 1.00 Doc Owner Training Mgr Page 18

16 Bankruptcy Information: Case Number The bankruptcy case number as displayed on your main servicing system Chapter The bankruptcy chapter as displayed on your main servicing system. To change the chapter displayed, click the arrow located on the right side of this field. A drop down list will appear: Insert a new chapter number by clicking one of the numbers in the drop-down menu. The screen will return to its original form, with the new chapter number. Filed The date the bankruptcy was filed as displayed on your main servicing system Post Petition Due The post petition due date as displayed on your main servicing system Notice of Filing Received The date notice of the bankruptcy was received as displayed on your main servicing system Issue 1.00 Doc Owner Training Mgr Page 19

17 Note Information: Interest Rate The interest rate as displayed on your main servicing system for the last unpaid contractual installment Loan Due The contractual due date as displayed on your main servicing system Adjustable If the loan is an adjustable rate loan, a check mark will appear in this field Next Payment Change The next escrow or ARM rate payment change Origination The loan s origination date Maturity The loan s maturity date. If the loan has matured (or will mature) within one year of the date of the referral, a warning message will display Below is an example of the maturity date warning message (this message will not prevent the referral from occurring): Issue 1.00 Doc Owner Training Mgr Page 20

18 Equity If equity exists, the servicer can check this box Last Escrow Analysis The date the last escrow analysis occurred Position Lien Position; this field defaults to 1. If the file being referred is a junior lien, click in the field, delete the 1 and enter the correct lien position When all information is displayed correctly, click on the Confirm Data button. Capture Results, Page 3: Event Tracking: Start Tracking On This field will default to the date the order is entered after the Calculate Tracking feature is activated Calculate Tracking Click this button to create a template for the referral: After clicking this button, a template should appear in the window below: Before After Issue 1.00 Doc Owner Training Mgr Page 21

19 Additional Information Section: The Recommended Completion Date and Allowable Legal Fee fields are reserved for future use. FHA/VA Field Office: This window displays the appropriate FHA or VA field office with jurisdiction over this loan. If no office appears, or you wish to change the office shown, click on the Select Office button. A new window will appear, displaying all HUD or all VA offices: You can scroll through the selections using the slider bar on the right. To choose an office, click once to highlight the selection, then click on the Save button. You will be returned to the previous screen and the office information will appear in the window. When all information is displayed correctly, click the Confirm Data button. Issue 1.00 Doc Owner Training Mgr Page 22

20 Capture Results, Page 4: Total Debt Figures: Unpaid Principal Balance Unpaid principal balance as of the date of the capture Interest From Last Installment Dollar amount of interest due at the time of referral Non-Escrow Advances Total dollar amount of mortgage recoverable corporate advance Other Fees Other fees as displayed on your main servicing system s screen Escrow Advances Total dollar escrow advance balance as of the date of filing Escrow Balance Total dollar escrow balance as of the date of filing Issue 1.00 Doc Owner Training Mgr Page 23

21 The system will not allow entry of both an escrow balance and an escrow advance balance. If data is entered in both fields, an error message will be displayed: Suspense Balance Suspense balance as of the date of filing Total Debt Calculated by LenStarWeb Breakdown of Post Petition Arrearages: This window will display one line of payment detail and one line of late charge detail. These items are based on a calculation. These amounts should be reviewed prior to completing the referral: The system reads the post petition due date and measures the number of months between that date and today s date. It then assumes that payments are due on the first of the month and calculates the number of payments that should be due. Example: Today s date is March 12. The post petition due date is January 1. The LenStarWeb system will assume three (3) payments and three (3) late charges are due. Issue 1.00 Doc Owner Training Mgr Page 24

22 Click on the Add button to display a window that allows you to enter additional payment detail: Type the number of payments you wish to display. Tab to the Amount field. Enter the dollar amount of the payment. Tab to the Description field and enter the appropriate text. Click Save to save your addition, or click Cancel to remove. To change the payment information displayed, highlight the line item to be edited. Click on the Edit button. A window will appear displaying the information: Make changes as desired. To retain changes, click the Save button. To cancel the changes, click the Cancel button. To delete information, click the line item to be removed, then click the Delete button. A warning message will display: To complete deletion of the line, click Yes. To cancel the deletion, click No. When all information is displayed correctly, click the Confirm Data button. Issue 1.00 Doc Owner Training Mgr Page 25

23 Capture Results, Page 5: Bankruptcy Court Court which has jurisdiction over the case. The system will attempt to enter the court based on information displayed on your main servicing system. If no court is displayed, the NADD code used to identify the court on your system will be displayed. To change the court, or if no court is displayed: If no court appears in the window, or the incorrect court appears, click on the Select Court button: A list of the courts available in the state the case was filed will be displayed. Highlight the applicable court by clicking on it once, using your mouse: If a court does not appear in the list, contact LenStarWeb Support at (877) to have the new court listing added. After highlighting the court, click the Select button. You will return to the previous screen and the selected court will be displayed. The system requires an entry in this field. If you choose to leave it blank, you must first select any court, save it, click on the select court button again and click on the remove button. The window is now cleared of information, and the process can continue. Issue 1.00 Doc Owner Training Mgr Page 26

24 To remove the court and leave the area blank, click the Remove button. Bankruptcy Trustee Trustee with jurisdiction over the case. The system will attempt to enter the trustee based on information displayed on your main servicing system. If no trustee is displayed, the NADD code used to identify the trustee on your system will be displayed. To change the trustee, or if no court is displayed: Click on the Select Trustee button: A list of the trustees available in the state the case was filed will be displayed. Highlight the applicable trustee by clicking it once: After highlighting the trustee, click the Select button. You will be returned to the previous screen and the selected trustee will be displayed. The system requires an entry in this field. If you choose to leave it blank, you must first select any trustee, save it, click on the Select Trustee button again and click on the Remove button. The window is now cleared, and the process can continue. To remove the trustee and leave the area blank, click on the Remove button. If a trustee does not appear in the list, contact LenStarWeb Support at (877) to have the new trustee listing added. Issue 1.00 Doc Owner Training Mgr Page 27

25 Click on Build Instructions. A new screen will appear, displaying the standard text to accompany the referral. You may edit this text on each referral. Once the text is appropriate for the referral, click on the Save button. An Information box will appear asking for confirmation to send the text to the vendor: Click on the OK button. You will be returned to Page 5 of Order Entry. Click on the Save Order button to complete the referral. After clicking into the Save Order field, a confirmation message will appear. Click Yes to complete the referral. To continue reviewing information, click No. Additional Warning Messages: If a file of the type you are attempting to refer is already open in LenStarWeb, the following warning message will display: Issue 1.00 Doc Owner Training Mgr Page 28

26 Click the OK button to see a listing of files that may represent duplicates. To proceed, click Cancel. LenStarWeb checks to make certain that no referral is done unless critical pieces of data are included. If you attempt to confirm data on a page with data missing a warning message will display describing the missing information. Click OK and enter the missing data. Order Entry Bankruptcy Proof of Claim Order Entry retrieves data from your main servicing system and groups it into categories that are used to prepare a cover letter, Proof of Claim form and attachment. You can either relay the documents to your attorney for review and submission of the Proof of Claim, or print and submit the form and attachments yourself. The system will produce three items when POC/Reorganization is chosen during the Order Entry process: A cover letter to accompany a Proof of Claim The Proof of Claim form Issue 1.00 Doc Owner Training Mgr Page 29

27 An attachment to the Proof of Claim, giving a breakdown of the total debt and total arrearage figures. Each of your main servicing system s bankruptcy fee types has been slotted (crossreferenced to a LenStarWeb code) for use in calculating the total debt and arrearage. LenStarWeb uses the codes to flow your main servicing system s bankruptcy fee types and amounts into the LenStarWeb total arrearage calculation and total debt calculation. If you make any changes to your fee type descriptions (for example, add or modify a description) you must inform LenStarWeb Support immediately. If the LenStarWeb program is not modified to match, incorrect or incomplete claim information will be produced. If more fee types are used on a loan than can be displayed on one page of the screen, the LenStarWeb program will not read those displayed on subsequent pages of the screen. If this occurs, you must manually insert those amounts into the correct LenStarWeb categories during the order entry process. Word of Caution! 1. If using Alltel s MSP servicing system, the BNKC screen claim must be set up, in addition to activating the workstation to provide a complete set of figures to the attorney. 2. If you choose to have the attorney submit or amend a POC for any length of time after the referral, the figures may no longer be accurate and the servicer will have to provide updated figures. Preparing a Proof of Claim: Access your main servicing system. If you have a session open using other terminal emulation software, close that session prior to proceeding. Open the LenStarWeb Order Entry module. A screen will appear, requesting a user name and password. Issue 1.00 Doc Owner Training Mgr Page 30

28 Type your name in the username field. Use the Tab key to advance to the password field. Enter your password. Next, click OK, or hit the Enter key to load the program. The order entry screen will appear. You can perform various captures of data from this screen. To inform the system what types of data capture to perform, use the selections in the Process box: Click POC/Reorganization. Toggle to your main servicing system and enter the loan number for which you wish to create a Proof of Claim. The bankruptcy workstation must be active prior to beginning the capture. For best results, all applicable screens and windows in your main servicing system should be operational and completed (court and trustee assigned, debtor attorney completed if known, etc.). Toggle back to the LenStarWeb Order Entry program. Click the Start Data Capture button located near the top right of the screen: When the capture has begun; a progress box will appear on the screen. When the data capture is complete, a new series of screens will appear. The information on those screens may be edited before saving the order. The information should be reviewed for accuracy. Following is a listing of the fields displayed. LenStarWeb will capture approximately 90-95% of the information necessary to complete a POC referral. Mortgage servicing personnel are responsible for inserting the remaining information. Issue 1.00 Doc Owner Training Mgr Page 31

29 The fields that must be completed manually are shown in italicized type in this listing. Capture Results, Page 1: Servicer Loan Number Debtor Name (1) Social Security # Debtor Name (2) Social Security # Loan number for which you are preparing the POC Borrower name as displayed on your main servicing system Social Security Number of the primary borrower Co-borrower name as displayed on your main servicing system Co-borrower s Social Security Number If the alternate debtor window in your main servicing system is active, LenStarWeb will insert that information. A pop-up message will be displayed, indicating that the alternate debtor window is active. If only one of the primary mortgagors has filed bankruptcy, the person performing the capture must edit the debtor information on Page 1 of the POC order entry screen to eliminate unrelated borrower information. Search Automatically completed Street Property street address City Property city State Property state ZIP Code Property zip code County Property county Tax ID Tax i.d. or parcel number of the property Property Type This field is not currently captured. It defaults to single family detached. To change the display, click the down arrow to display more options. Click the appropriate selection for the loan being captured. Units This field defaults to 1. To change it, move the cursor to the field, delete the information displayed and use your keyboard to enter correct information. Case Number Case number, as displayed on your main servicing system Issue 1.00 Doc Owner Training Mgr Page 32

30 Chapter Bankruptcy chapter, as displayed on your main servicing system State of Filing State in which the bankruptcy court is located, as displayed on your main servicing system Filed Date the bankruptcy was filed Claim Must be Filed By Bar date, as displayed on your main servicing system Notice of Filing Received Date the notice was received as displayed on your main servicing system Post Petition Due Date Only applicable on non-chapter Seven cases; as displayed on your main servicing system Servicer Defaults to the name of your company Vendor If the escrow payee code is input on your main servicing system (mortgage company attorney field) and the cross-reference code is present in LenStarWeb, the attorney name should automatically appear. If it does not, click on the arrow located on the right side of this field to display attorneys available to receive the referral: Various attorney firm names will be displayed. The firm names are color-coded. A name displayed in black lettering means the firm is live on LenStarWeb and can send/receive information electronically. This also indicates a firm to which you normally refer files. Names displayed in green are online, but have not been designated as firms to which you normally refer files. These settings can be adjusted in the Toggle Vendor Status table of the LenStarWeb Case Tracking module. Issue 1.00 Doc Owner Training Mgr Page 33

31 Names displayed in red are not online, so no information can be transmitted electronically via LenStarWeb. If the firm did not automatically display, scroll through the firm names for that state using the slider bar. To select, click on a firm name. That choice will display in the window and the drop down selections will disappear. If the POC is not going to be referred to an attorney, choose NOT REFERRED in the vendor drop down list. Investor You are required to select an applicable investor for each referral. Click the down arrow on the right side of this window. A drop down list will appear, with the following selections: Freddie Mac To be used on non-designated counsel Files Freddie Mac Designated To be used if the file is being referred to Counsel designated counsel Fannie Mae (Recourse) Fannie Mae (Wholly Owned) Non-recourse loans Residential Funding Corp. Other This selection is used if none of the previous five are applicable Click on the appropriate choice. The drop down selection area will disappear and your choice will be displayed in the window. Processor The name as displayed on your main servicing system. If no name displays, it usually indicates: The processor name, as displayed on your main servicing system, does not have a LenStarWeb login. Issue 1.00 Doc Owner Training Mgr Page 34

32 The processor name, as displayed on your main servicing system, does not exactly match the login name created on LenStarWeb. To assign a processor or change the name displayed, click on the down arrow located on the right side of this field. A drop down list of names will appear: Choose the person to which the file should be assigned by clicking on a name. The drop down display will disappear and the selection will display in the window. When information is displayed correctly, click the Confirm Data button. This will automatically advance you to the next page of information. If you wish to correct information after it is confirmed, you may review any page of information by clicking on the appropriate heading (either Page 1, Total Debt, Total Arrearages, Page 4, or Page 5). If information on the selected page has already been confirmed, the Confirm Data button will now display as Enable Edit. Clicking on this button allows editing of any field displayed on the page. Capture Results, Total Debt: In preparing a proof of claim, the total debt is comprised of the following: Principal Balance, Interest From Last Paid Installment, Payment Late Charges, Additional Late Charges, Non-Escrow Advances, Other Unpaid Fees, Escrow Advances, Escrow Balance, and Suspense Balance. Issue 1.00 Doc Owner Training Mgr Page 35

33 The LenStarWeb program will automatically attempt to calculate and fill the following fields: Unpaid Principal Balance Payment Late Charges Additional Late Charges Non-Escrow Advances and Other Unpaid Fees Mortgage servicing personnel are responsible for completion of the remaining fields (Interest from Last Unpaid Installment, Escrow Advances or Escrow Balance and Suspense Balance). Unpaid Principal Balance The principal balance as of the date of filing. A pop up message will appear if the capture program perceives that a payment has posted since the filing date. If a message appears stating that the accuracy of the figures should be verified, the displayed principal balance must be verified. Interest From Last Paid Installment Interest due as of the date of filing Payment Late Charges Total late charges as displayed on your main servicing system screen Additional Late Charges Completed if a fee type is present on your main servicing system screen Non-Escrow Advances Total of the fee types present on your main servicing system identified as non-escrow advances Issue 1.00 Doc Owner Training Mgr Page 36

34 Other Unpaid Fees Total of the fee types present on your main servicing system identified as Other Unpaid Fees Escrow Advances Total dollar escrow advance balance as of the date of filing Escrow Balance Total dollar escrow balance as of the date of filing The system will not allow entry of both an escrow balance and an escrow advance balance. If data is entered in both fields, an error will be displayed: Suspense Balance Suspense balance as of the date of filing Total Debt Calculated by LenStarWeb. When all information is displayed correctly, click the Confirm Data button. Capture Results, Total Arrearages: (The page displaying capture results for total arrearages may not be accessible on chapter 7 cases). Arrearage Payment Detail Breakdown of the number and amount of payments as displayed on your main servicing system screen. Information may be added, edited or deleted as necessary. Issue 1.00 Doc Owner Training Mgr Page 37

35 Click the Add button to display a window allowing you to enter additional payment detail: Enter the number of payments (1, 2, 3, etc.). Tab to the Payment Amount field and enter the dollar amount. When all payment information is completed, click the Save button. To cancel the entry, click the Cancel button. To change any payment information displayed, highlight the line item to be edited. Click the Edit button. A window will appear displaying the information. Make changes as desired. Click Save to save changes; click Cancel to restore previous information. To delete information, click the line item to be removed. Click the Delete button. A message will display. To complete deletion of the line, click Yes. To cancel the deletion, click No. Payments Displays the total dollar amount of payments displayed above. Calculated automatically. Arrearage Late Charge Detail Breakdown of the number and amount of late fees as displayed on your main servicing system screen. Information may be added, edited or deleted as necessary. Issue 1.00 Doc Owner Training Mgr Page 38

36 Payment Late Charges Displays the total dollar amount of late fees displayed above. Calculated automatically. When preparing a proof of claim on LenStarWeb, the total arrearage is comprised of the following: Payments Payment Late Charges Additional Late Charges Escrow Shortage Pre-petition Legal Fees Pre-petition Legal Costs Additional Charges Suspense Balance LenStarWeb will automatically attempt to calculate and fill the following fields: Servicing personnel are responsible for reviewing the information. Payments As displayed on this screen in the Arrearage Payment Detail section Payment Late Charges As displayed on this screen in the Arrearage Payment Detail section on LenStarWeb Additional Late Charges As displayed on the Total Debt screen in the LenStarWeb Order Entry module Issue 1.00 Doc Owner Training Mgr Page 39

37 Payment Late Charges As displayed on this screen in the Arrearage Payment Detail section on LenStarWeb Additional Late Charges As displayed on the Total Debt screen in the Order Entry module on LenStarWeb Escrow Shortage Total of the fee types present on your main servicing system identified as Escrow Shortage. If no escrow analysis was performed, the field will remain blank Pre-petition Legal Fees Total of the fee types present on your main servicing system identified as pre-petition legal fees Pre-petition Legal Costs Total of the fee types present on your main servicing system identified as pre-petition legal costs Additional Charges Total of the fee types present on your main BNKC identified as additional charges Suspense Balance As displayed on the Total Debt screen in the Order Entry module Total Arrearage Calculated by the system When all information is displayed correctly, click the Confirm Data button. Capture Results, Page 4: POC Signatory Section: Name As displayed on Page 1 of the Order Entry screen Title Defaults to Bankruptcy Processor. To change this, click the field; delete the information and type in the correct title: Issue 1.00 Doc Owner Training Mgr Page 40

38 Event Tracking: Start Tracking On This field will default to the date the order is entered, after the Calculate Tracking feature is activated. Calculate Tracking Click on this button to create a template for the referral. After clicking on this button, a template should appear in the window below. Before After Additional Information Section: Recommended Completion Date This field is reserved for future use. Allowable Legal Fee This field is reserved for future use. Issue 1.00 Doc Owner Training Mgr Page 41

39 Note Information Section: Interest Rate As displayed on your main servicing System; applicable to the oldest unpaid installment interest rate Adjustable If the loan being referred is an adjustable rate loan, a check mark will appear and the word Yes will display. If the loan is not an adjustable rate loan, a check mark will not appear, but the word No will display. Last Escrow Analysis Date the last escrow analysis was performed on this loan Origination Date Date the loan was originated Maturity Date Date the loan will mature Lien Position This field defaults to 1. If the file being referred is a junior lien, click in the field, delete the 1 and enter the correct lien position. Creditor This field defaults to the name of the servicer/lender. When all the information is displayed correctly, click the Confirm Data button. Issue 1.00 Doc Owner Training Mgr Page 42

40 Capture Results, Page 5: Bankruptcy Court The court to which the proof of claim is to be sent. The system will attempt to enter the court based on information displayed on your system. If no court is displayed, the code used to identify the court on your system will be shown. If no court displays in the window, or if the incorrect court displays, click the Select Court button. A list of the courts available in the state the case was filed will be displayed. Highlight the applicable court by clicking it once: After highlighting the court, click the Select button. You will be returned to the previous screen and the court selected will be displayed. If the wrong court was chosen, click on the Select Court button to redisplay the courts. Highlight the correct choice and choose Select. To remove the court and leave the area blank, click on the Remove button. Issue 1.00 Doc Owner Training Mgr Page 43

41 The system requires an entry in this field. If you choose to leave it blank, you must first select any court, save it, click on the select court button again and click on the remove button. The window now displays no information, and the process can continue. Bankruptcy Trustee The trustee with jurisdiction over the case. The system will attempt to enter the trustee based on information displayed on your main servicing system. If no trustee is displayed, the NADD code used to identify the trustee on your system will be displayed. To change the trustee, or if no court is displayed: Click on the Select Trustee button. A list of the trustees available in the state the case was filed will be displayed. Highlight the applicable trustee by clicking it once. After highlighting the trustee, click the Select button. You will be returned to the previous screen and the trustee selected will be displayed. Issue 1.00 Doc Owner Training Mgr Page 44

42 To remove the trustee and leave the area blank, click the Remove button. The system requires an entry in this field. If you choose to leave it blank, you must first select any trustee, save it, click the Select Trustee button again, and click the Remove button. The window now displays no information and the process can continue. If a trustee does not appear in the list, contact LenStarWeb Support: (877) to have the new trustee listing added. Debtor Attorney Information as displayed on your main servicing system Investor Loan # Investor s loan number, if applicable Click the Build Instructions button: A new screen will appear, displaying the standard text to accompany the referral. You may edit this text on each referral. Once the text is appropriate for the referral, click the Save button. This feature is not available if Not Referred was selected on Page 1. Click OK: You will be returned to Page 5 of the Order Entry program. Issue 1.00 Doc Owner Training Mgr Page 45

43 Click the Save Order button to complete the referral. After clicking the Save Order button, a confirmation message will appear. Click Yes to complete the referral. To continue reviewing information, click No. After saving the order, a confirmation message will appear. Click the OK button to complete the referral: Additional Warning Messages: If a file of the type you are attempting a referral on is already open in LenStarWeb, the following warning message will display: Issue 1.00 Doc Owner Training Mgr Page 46

44 Click OK to see a listing of files that may represent duplicates: To proceed, click Cancel. LenStarWeb checks to make certain that no referral is done unless critical pieces of data are included. If you attempt to confirm data on a page with data missing, a warning message will display describing the missing information: Click OK and enter the missing data. Order Entry Deed-In-Lieu: Order Entry retrieves data from your main servicing system necessary for an attorney or trustee to begin work on a deed-in-lieu action. The servicer/lender is responsible for sending necessary documents. Preparing a Deed-in-lieu Referral: Access your main servicing system. Open the LenStarWeb Order Entry module. A screen as follows will appear requesting a user name and password: Issue 1.00 Doc Owner Training Mgr Page 47

45 Type your name in the username field, then Tab to the password field and enter your password. Click OK or hit the Enter key on your keyboard to load the program. The order entry screen will appear. You can perform various captures of data from this screen. To inform the system what types of data capture to perform, use the selections in the Process box: Click the Deed-in-Lieu radio button. Order Entry: Toggle to your servicing system and enter the loan number you wish to refer. The deed-inlieu activity screens must be active prior to beginning the capture. For best results, all applicable screens and windows should be operational and completed. Toggle back to the LenStarWeb Order Entry program. Click the Start Data Capture button located near the top right portion of the screen. The capture has begun, and a progress box will appear. When the data capture is complete, a new series of screens will appear. The information on those screens may be edited before saving the order. The information should be reviewed for accuracy. Issue 1.00 Doc Owner Training Mgr Page 48

46 Following is a listing of the fields displayed. LenStarWeb will capture approximately 95% of the information necessary to complete a deed-in-lieu referral from your servicing system. Mortgage servicing personnel remain responsible for entering the remaining information. The fields that must be completed manually are shown in italicized type in this listing. Capture Results, Page 1: Servicer Loan Number Loan number you are referring Borrower Name (1) Borrower name as displayed on your main servicing system Phone Primary telephone number as displayed on your servicing system Social Security # Social Security Number of the primary borrower Borrower Name (2) Co-borrower name as displayed on your servicing system Social Security # Social Security Number of the co-borrower Search Automatically populated Street Property street address City Property city State Property state ZIP Code Property ZIP code County County in which the property lies Tax ID Tax i.d. or parcel number of the property Property Type This field is not presently captured. It defaults to single family detached. To change the display, click the down arrow to display other selections. Click the appropriate selection for the loan being captured. Issue 1.00 Doc Owner Training Mgr Page 49

47 Units This field defaults to 1. To change it, move the cursor to the field, delete the information displayed and use your keyboard to enter correct information. Street Mailing street address City Mailing city State Mailing state ZIP Code Mailing ZIP code Servicer Defaults to the name of your company as provided to LenStarWeb Vendor If the attorney identifier code is available on your servicing system and that crossreference code is present in the LenStarWeb system, the attorney name will appear. If it does not, click the arrow on the right side of this field to display attorneys available to receive the referral in that state. Various attorney firm names will be displayed: The names are color-coded. Black indicates the firm is live on LenStarWeb and can send and receive information electronically. This also signifies a firm to which you normally refer files. Red indicates the firm is not online and no information can be sent electronically via LenStarWeb; however, a firm name can be selected if you choose to track the case on LenStarWeb (but will be sending a paper referral). Names displayed in green are online, but have not been designated as firms to which you normally refer files. These settings can be adjusted in the Toggle Vendor Status table located in Case Tracking module. Issue 1.00 Doc Owner Training Mgr Page 50

48 If the firm did not automatically display, scroll through the firm names for that state using the slider bar. To select, click on a firm name. That choice will display in the window, and the drop down selections will disappear. If a firm to which you wish to refer is not listed, contact LenStarWeb Support at: for more information. Investor You are required to select an applicable investor for each referral. To do so, click on the down arrow located on the right side of this window. A drop down list will appear with the following selections: Freddie Mac To be used on non-designated counsel files Freddie Mac Designated To be used if the file is being referred to Counsel designated counsel Fannie Mae (Recourse) Fannie Mae (Wholly Owned) Non-recourse loans Residential Funding Corp. Other This selection is used if none of the previous selections are applicable Click on the appropriate investor option. The drop down selection area will disappear, and your choice will be displayed in the window. Loan Type: Automatically displays. Associated with the loan type field on your servicing system. LenStarWeb may allow for loan types that do no exist on your main system (for example, a coop loan). To change the loan type, click on the drop down arrow and highlight your choice. Issue 1.00 Doc Owner Training Mgr Page 51

49 Processor: This is the name as displayed on your main servicing system. If no name displays, it usually indicates that: The processor name as displayed on your servicing system does not have a LenStarWeb login. The processor name as displayed on your servicing system does not exactly match the login name created on LenStarWeb. To assign a processor or change the name displayed, click on the down arrow located on the right side of this field. A list of names will appear: Select the name the file should be assigned. The drop down display will disappear, and the name selected will display in the window. When all information is displayed correctly, click Confirm Data. This will automatically forward you to the next page of information: If you wish to correct information after it was confirmed, review any page of information by clicking on the appropriate heading (Page 1, Page 2, Page 3, or Page 4). If information on that page has already been confirmed, the Confirm Data button will now display as Enable Edit: Clicking on this button allows editing any fields displayed on the page. Capture Results, Page 2: Investor Information: The information displayed in the Investor Information box is captured from your main servicing system. Issue 1.00 Doc Owner Training Mgr Page 52

50 If a listing of investors is maintained in LenStarWeb, override this information by clicking on the Name button (below Category ). A new screen will appear: This screen lists investors in alphabetical order. To select a name, highlight the line item and click the Select button. The new window will disappear, and the investor information chosen will now appear on Page 2 of the Order Entry Capture Results: Name Investor name Contact Primary contact for this investor Street (1) Street address for the investor Street (2) Street address for the investor City City in which the investor is located State State in which the investor is located Issue 1.00 Doc Owner Training Mgr Page 53

51 ZIP ZIP code Loan # Loan number assigned by the investor % Owned Percentage of ownership this investor has on this loan Mortgage Insurer Information: This section will display information, if a private mortgage insurer covers that loan, and if the information is displayed on your main servicing system. It does not display pool insurer information. Name Company name of the insurer Contact Contact name at the insurer Street (1) Street address of the insurer Street (2) Street address of the insurer City City in which the insurer is located State State in which the insurer is located ZIP Insurer ZIP code Certificate # Certificate number assigned by the insurer to this loan % Guaranteed Percentage of coverage for this loan Issue 1.00 Doc Owner Training Mgr Page 54

52 Note Information: Principal Balance Principal balance as of the date of the capture. If the balance is less than the amount your company has designated, the following message will appear when the processor confirms the data: Original Balance Original principal balance Per Diem Daily dollar amount of interest due Interest Rate Interest rate as of the date of the last unpaid installment Payment Amount Dollar amount of the oldest unpaid installment Loan Due Date Due date of the loan Origination Date Date the loan was originated Maturity Date Maturity date of the loan A message will display if the maturity date on the loan has passed (or will occur within the next year). Issue 1.00 Doc Owner Training Mgr Page 55

53 This message will not prevent you from completing the referral. Lien Position Defaults to 1. To edit the information, click in the field. Delete the information by using your delete key or backspace key. Enter the correct lien position and TAB out of the field. Inspection Information: Last Inspection Date of the last property inspection Status Occupancy status as of the date of the last property inspection When all information is displayed correctly, click the Confirm Data button. Capture Results, Page 3: Event Tracking Start Tracking On This field will default to the date the order is entered, after the Calculate Tracking feature is activated. Calculate Tracking Click this button to create a template for the referral. After clicking on this button, a template should appear in the window below. Before After Issue 1.00 Doc Owner Training Mgr Page 56

54 Timeframe and Allowable Fees: Allowable time frames and fees are not active at this time. FHA/VA Field Office: This window displays the appropriate FHA or VA field office that has jurisdiction over this loan. If no office appears, or you wish to change the office displayed, click the Select Office button: A new window will appear, displaying all HUD or all VA offices: Scroll through the selections using the slider bar on the right of the window. To choose an office, click once to highlight the selection. Next, click the Save button. You will be returned to the previous screen, and the office information will appear in the window. When all information is displayed correctly, click the Confirm Data button. Issue 1.00 Doc Owner Training Mgr Page 57

55 Capture Results, Page 4: Legal Description: This page allows you to enter legal description text. Simply type the text into the window: When all information is displayed correctly, click the Confirm Data button. Capture Results, Page 5: Instructions To Vendor: Take Title In The Name Of Enter the name in which you wish to file the deed-in-lieu action. The field will default to the name of your company or the text entered in the Investor Table. You may delete the information contained here and enter new information. Issue 1.00 Doc Owner Training Mgr Page 58

56 Original Borrowers: Name(s) This field is not captured. If applicable, and Address: you must enter the name(s)of original borrowers not released from liability that you wish to have named in the deed-in-lieu action. Tenant(s): This field is not captured. If applicable, you must enter the tenant information. Mortgagor Recoverable Total amount of corporate advance, Corporate Advance as of today s date, for which the mortgagor(s) are responsible. Net Due Total of payment, late fees, NSF fees, etc., due (less any suspense balance). Total Amount Due Total of payment, late fees, NSF fees, etc., due (from which no suspense balance is deducted). Escrow Balance Total amount of any escrow balance, positive or negative. Build Instructions: Click on Build Instructions: A new screen will appear, displaying the standard text to accompany the referral. You may edit this text on each referral. Once the text is appropriate for the referral being done, click the Save button. Click the OK button: You will return to Page 5 of the Order Entry program. Issue 1.00 Doc Owner Training Mgr Page 59

57 Click the Save Order button to complete the referral: After clicking on Save Order, a confirmation message will appear. Click Yes to complete the referral. To continue reviewing information, click No. After saving the order, a confirmation message will appear: Click the OK button to complete the referral. Additional Warning Messages: If a file of the type you are attempting to refer is already open in LenStarWeb, the following warning message will display: Click OK to see a listing of files that may represent duplicates. To proceed, click the Cancel button. Issue 1.00 Doc Owner Training Mgr Page 60

58 LenStarWeb checks to ensure no referral is done until critical pieces of data are included. If you attempt to confirm a page with missing data, a warning message will display indicating what is missing: Click OK and enter the missing data. Order Entry Eviction: Order Entry collects data from your main servicing system necessary for an attorney to begin work on an eviction action. The servicer/lender is responsible for sending any necessary documents. Open the LenStarWeb Order Entry module. A screen will appear requesting a username and password: Issue 1.00 Doc Owner Training Mgr Page 61

59 Type your name in the Username field. Tab to the password field. Enter your password. Next, click the OK button or hit Enter to load the program. The order entry screen will appear. You can perform various captures of data from this screen. To inform the system what type of referral to perform, make a selection from the Process box: Click the Eviction radio button. Click the Manual Order Entry button located near the top right of the screen: A new series of screens will appear. All fields will be blank. The cursor will automatically place itself in the Servicer Loan Number field. You must know the loan number of the file for which you want to order an eviction prior to beginning the Order Entry process on LenStarWeb. Enter the loan number for which you want to order an eviction. Once the correct loan number is entered, tab out of the field. A new window will appear: This window will display actions that exist in the LenStarWeb Case Tracking module for the loan number entered. The eviction order entry process does not rely on your main servicing system to gather information for this type of referral. In the example shown, only one listing will appear; however, multiple listings may appear. You may load information from any type of action. It is recommended you choose the most recently opened foreclosure action. Issue 1.00 Doc Owner Training Mgr Page 62

60 The order entry module will load data from whichever file you choose. To choose a case to load information from, click on it once to highlight it. Next, click the Load button. An Information box will appear: Click Yes to proceed with loading information from the previous action into fields for the eviction referral. Click No to return to the previous screen. Information from the case chosen will now appear in most of the fields used to create an eviction referral (see example below): Information loaded from previous actions represents information captured as of the date the previous action was referred, not the date of the eviction referral. The information on these screens may be edited before saving the order. The information should be reviewed for accuracy. Following is a listing of the fields displayed. LenStarWeb will load approximately 95% of the information necessary for the completing a referral. Mortgage servicing personnel are responsible for entering the remaining information. Issue 1.00 Doc Owner Training Mgr Page 63

61 The fields that must be completed manually are shown in italicized type in this listing. Referral Information, Page 1: Servicer Loan Number Loan number you are referring Occupant Name (1) Borrower name as displayed on the previous action. Telephone Primary telephone number as displayed on the previous action Social Security # Social Security Number of the primary borrower Occupant Name (2) Co-borrower name as displayed on the previous action Social Security # Social Security Number of the coborrower Search Automatically populated Street Property street address City Property city State Property state ZIP Code Property zip code County Property county Tax ID Property tax i.d. or parcel number Property Type This field is not currently captured. It defaults to single family detached. To change the display, click the down arrow to display other selections. Click the appropriate selection for the loan being captured. Issue 1.00 Doc Owner Training Mgr Page 64

62 Units This field defaults to 1. To change it, move the cursor to the field, delete the information displayed and enter the correct information. Street Mailing street address City Mailing city State Mailing state ZIP Code Mailing ZIP code Servicer Defaults to the name of your company Vendor This field will display the name of the vendor assigned the previous action loaded. To change the vendor assignment, click the arrow located on the right side of this field to display attorneys available to receive the referral: Various attorney firm names will be displayed and color-coded. Black indicates the firm is live on LenStarWeb and can send and receive information electronically, and also verifies this is a firm to which you actively refer files. Red indicates the firm is not online, and no information can be sent electronically via LenStarWeb. Green indicates the firm is online, but has not been designated as a firm to which you normally refer files. These settings can be adjusted in the Toggle Vendor Status table located in Case Tracking. If the firm does not automatically display, scroll through the firm names for that state using the slider bar. To select, click a firm name. Your choice will display in the window; the drop down selections will disappear. If a firm to which you want to refer is not listed, contact LenStarWeb Support for more information: Issue 1.00 Doc Owner Training Mgr Page 65

63 Investor You are required to select the applicable investor for each referral. To do so, click the down arrow on the right side of the window. A drop down list will appear, containing the following selections: Freddie Mac For non-designated counsel files Freddie Mac Designated For files being referred to designated Counsel Fannie Mae (Recourse) Fannie Mae (Wholly Owned) For non-recourse loans Residential Funding Corp. Other This selection is used if none of the previous selections are applicable Click the appropriate investor option. The drop down selection area will disappear, and your choice will be displayed in the window. Loan Type Automatically displays. Associated with the applicable loan type field on your main servicing system. LenStarWeb may allow for loan types that do no exist on your main servicing system (for example, a coop loan).to change the loan type, click the drop down arrow and highlight your choice. Processor The name of the person who will be responsible for managing this activity. To assign a processor, or to change the name displayed, click on the down arrow located on the right side of this field. A list of names will appear: Issue 1.00 Doc Owner Training Mgr Page 66

64 Click the name to which the file should be assigned. The drop down display will disappear, and the name selected will display in the window. Process Occupant status of the property (Borrower or Tenant) When all information is displayed correctly, click Confirm Data: This will automatically forward you to the next page of information. If you wish to correct information after it was confirmed, review any page of information by clicking on the appropriate heading (Page 1, Page 2, and Page 3). If information on that page has already been confirmed, the Confirm Data button will now display as Enable Edit: Clicking this button allows editing any fields displayed on the page. Referral Information, Page 2: Investor Information: This information is captured from the previous action: Issue 1.00 Doc Owner Training Mgr Page 67

65 If a listing of investors is maintained in LenStarWeb, override this information by clicking the Name button. A new screen will appear: This screen lists investors in alphabetical order. To select, highlight the line item and click the Select button. The new window will disappear, and the selected investor information will now appear on Page 2 of the Order Entry capture results. Name Investor name Contact Primary contact for this investor Street (1) Street address for the investor Street (2) Street address for the investor City City in which the investor is located State State in which the investor is located ZIP ZIP code Loan # Loan number assigned by the investor % Owned Percentage of ownership this investor has on this loan Additional Information: Last Inspection Date of the last property inspection Status Occupancy status as of the date of the last property inspection Issue 1.00 Doc Owner Training Mgr Page 68

66 Lien Position Defaults to 1. To edit the information, click in the field. Delete the information by using your Delete or Backspace key. Enter the correct lien position; tab out of the field. When all information is displayed correctly, click the Confirm Data button. Referral Information, Page 3: Event Tracking: Start Tracking On This field will default to the date the order is entered, after the Calculate Tracking feature is activated. Calculate Tracking Click this button to create a template for the referral: After clicking on this button, a template should appear in the window below. Before After Time Frame and Allowable Fees: Time Frames/Fees This is reserved for future use When information is displayed correctly, click the Confirm Data button. Issue 1.00 Doc Owner Training Mgr Page 69

67 Build Instructions: Click Build Instructions: A new screen will appear, displaying standard text to accompany the referral. You may edit this text on each referral. Once the text is appropriate, click the Save button. Click the OK button: You will be returned to Page 3 of the Order Entry program. Click the Save Order button to complete the referral: After clicking Save Order, a confirmation message will appear. Click Yes to complete the referral. To continue reviewing information, click No. After saving the order, a conformation message will appear. Click OK to complete the referral: Issue 1.00 Doc Owner Training Mgr Page 70

68 Order Entry Foreclosure Order Entry collects data from your main servicing system for an attorney or trustee to begin work on a foreclosure action. The servicer/lender is responsible for sending any necessary documents. Preparing a Foreclosure Referral: Access your main servicing system. Open the LenStarWeb Order Entry module. A screen will appear, requesting a username and password. Type your name in the username field. Tab to the password field and enter your password. Click the OK button, or hit the Enter key to load the program. The order entry screen will appear. You can perform various captures of data from this screen. To inform the system what data to capture, make a selection from the Process box: Click the Foreclosure radio button. Toggle to your main servicing system and enter the loan number you want to refer. The foreclosure activity screens must be active prior to beginning the capture. For best results, all applicable screens and windows should be operational and completed. Toggle back to Order Entry. Click the Start Data Capture button located near the top right of the screen. Issue 1.00 Doc Owner Training Mgr Page 71

69 The capture has begun; a progress box will appear. When the data capture is complete, a new series of screens will appear. The information on those screens may be edited before saving the order. The information should be reviewed for accuracy. Following is a listing of the fields displayed. LenStarWeb will capture approximately 95% of the information necessary to complete a foreclosure referral from your servicing system. Mortgage servicing personnel are responsible for entering the remaining information. The fields that must be completed manually are shown in italicized type in this listing. Capture Results, Page 1: Servicer Loan Number Loan number you are referring Borrower Name (1) Borrower name as displayed on your servicing system Phone Primary telephone number as displayed on your servicing system Social Security # Social Security Number of the primary borrower Borrower Name (2) Co-borrower name as displayed on your servicing system Social Security # Social Security Number of the co- Borrower Search Automatically populated Street Property street address City Property city State Property state ZIP Code Property zip code County County in which the property lies Tax ID Tax i.d. or parcel number of the Property Property Type This field is not presently captured. It defaults to single family detached. To Issue 1.00 Doc Owner Training Mgr Page 72

70 change the display, click the down arrow to display other selections. Click the appropriate selection for the loan being captured. Units This field defaults to 1. To change it, move the cursor to the field, delete the information displayed and use your keyboard to enter correct information. Street Mailing street address City Mailing city State Mailing state ZIP Code Mailing ZIP code Servicer Vendor Defaults to the name of your company as provided to LenStar If the escrow payee code is input on your servicing system, and that crossreference code is present in the LenStarWeb system, the attorney name will appear. If not, click the arrow on the right of this field to display attorneys available to receive the referral in that state. Various attorney firm names will be displayed and color-coded. Black indicates the firm is live on LenStarWeb and can send and receive information electronically, and also verifies this is a firm to which you actively refer files. Names displayed in red are not online, and no information can be sent electronically via LenStarWeb; however, a firm name can be selected if you choose to track the case on LenStarWeb (but will be sending a paper referral). Issue 1.00 Doc Owner Training Mgr Page 73

71 Names displayed in green are online, but have not been designated as firms to which you normally refer files. These settings can be adjusted in the Toggle Vendor Status table located in Case Tracking. If the firm did not automatically display, scroll through the firm names for that state using the slider bar. To select, click a firm name. That choice will display in the window and the drop down selections will disappear. If a firm you wish to refer is not listed, contact LenStarWeb Support for more information: Investor You are required to select an applicable investor for each referral. Click the down arrow on the right side of this window. A drop down list will appear with the following selections: Freddie Mac For non-designated counsel files Freddie Mac Designated For when the file is being referred to Counsel designated counsel Fannie Mae (Recourse) Fannie Mae (Wholly Owned) Non-recourse loans Residential Funding Corp. Other This selection is used if none of the previous selections are applicable. Click the appropriate investor option. The drop down selection area will disappear and your choice will be displayed in the window. Loan Type Automatically displays. Associated with the loan type field on your servicing system. LenStarWeb may allow for loan Issue 1.00 Doc Owner Training Mgr Page 74

72 types that do no exist on your main system (for example, a coop loan). To change the loan type, click the drop down arrow and highlight your choice. Processor The name as displayed on your main servicing system. If no name displays, it usually indicates that: The processor name, as displayed on your main servicing system, does not have a LenStarWeb login. The processor name, as displayed on your main servicing system, does not exactly match the login name created on LenStarWeb. To assign a processor or change the name displayed, click on the down arrow located on the right side of this field. A list of names will appear: Choose the name to which the file should be assigned by clicking on it with your mouse pointer. The drop down display will disappear, and the name selected will display in the window. Process The type of foreclosure being activated (Judicial or Non-Judicial) as displayed in the process field on the FOR1 screen When all information is displayed correctly, click the Confirm Data button. This will automatically forward you to the next page of information. If you wish to correct information after confirmation, review any page by clicking the appropriate heading (Page 1, Page 2, Page 3, or Page 4). If information on that page has already been confirmed, the Confirm Data button will now display as Enable Edit. Clicking this button allows editing any fields displayed on the page. Issue 1.00 Doc Owner Training Mgr Page 75

73 Capture Results, Page 2: Investor Information: This information is captured from the MAS1/INV1 screen: If a listing of investors is maintained in LenStarWeb (see documentation on Add/Edit Investors ) you override this information by clicking on the Name: button. A new screen will appear: This screen lists investors in alphabetical order. To select, highlight the line item and click the Select button. The new window will disappear and the selected investor information will now appear on Page 2 of Order Entry capture results. Name Investor name Contact Primary contact for this investor Street (1) Street address for the investor Issue 1.00 Doc Owner Training Mgr Page 76

74 Street (2) Street address for the investor City City in which the investor is located State State in which the investor is located ZIP ZIP code Loan # Loan number assigned by the investor % Owned Percentage of ownership this investor has on this loan Mortgage Insurer Information: This section will display information, if a private mortgage insurer covers the loan, and if that information is displayed on the main servicing system screen. It does not display pool insurer information. Name Company name of the insurer Contact Contact name at the insurer Street (1) Street address of the insurer Street (2) Street address of the insurer City City in which the insurer is located State State in which the insurer is located ZIP Insurer ZIP code Certificate # Certificate number assigned by the insurer to this loan % Guaranteed Percentage of coverage for this loan Note Information Issue 1.00 Doc Owner Training Mgr Page 77

75 Principal Balance Principal balance as of the date of the capture. If the balance is less than your designated amount, the following message will appear when the processor confirms the data: Original Balance Original principal balance Per Diem Daily interest as displayed on your main servicing system Interest Rate Interest rate as displayed on your main servicing system Payment Amount Dollar amount of the oldest unpaid installment Loan Due Date Due date of the loan Origination Date Date the loan was originated Maturity Date Maturity date of the loan A message displays if the maturity date on the loan has passed or will occur within the next year. It will not prevent you from completing the referral. Issue 1.00 Doc Owner Training Mgr Page 78

76 Lien Position Inspection Information: Last Inspection Status Defaults to 1. To edit the information, click in the field. Delete the information by using your delete key or backspace key. Enter the correct lien position and TAB out of the field. Date of the last property inspection Occupancy status as of the date of the last property inspection When all information is displayed correctly, click Confirm Data. Capture Results, Page 3: Event Tracking: Start Tracking On Calculate Tracking This field will default to the date the order is entered after the Calculate Tracking feature is activated. Click this button to create a template for the referral After clicking on this button, a template should appear in the window below. Before After Issue 1.00 Doc Owner Training Mgr Page 79

77 Time Frame and Allowable Fees: Time Frames/Fees Clicking this button opens a window for selecting the allowable time frame and fee for this action. It displays the choices to assign to the loan. The first column details the allowable timeframes; the second column details the allowable fees. The servicer maintains the schedule of allowable fees and costs. The applicable investor and insurer information will display in the window to assist in making your choices. If the loan is FHA insured, an additional field will appear: First Legal Action On or Before. You can double click inside this window to enable a calendar. Choose the date by which the first legal action must be completed. Issue 1.00 Doc Owner Training Mgr Page 80

78 Choose the date by clicking once on a date, then click the Save button. This date will be sent to the attorney receiving the referral, letting them know the date by which the first legal action on this file must be entered. FHA/VA Field Office This window displays the appropriate FHA or VA field office that has jurisdiction over this loan. If no office appears, or you wish to change the office displayed, click the Select Office button. Issue 1.00 Doc Owner Training Mgr Page 81

79 A new window will appear displaying all HUD or VA offices. Scroll through the selections using the slider bar on the right. To choose an office, click once to highlight the selection. Next, click the Save button. You will be returned to the previous screen. Office information will appear in the window. When all information is displayed correctly, click Confirm Data. Capture Results, Page 4: Instructions To Vendor: File in the Name of Enter the name in which you wish to file the foreclosure action. The field will default to the name of your company, or the text entered in the Investor Table. You may delete the information contained here and enter new information. Issue 1.00 Doc Owner Training Mgr Page 82

80 Original Borrowers: Name(s) and Address - this field is not captured. If applicable, you are required to enter the name(s) of original borrowers not released from liability that you wish to have named in the foreclosure action. Tenant(s): This field is not captured. If applicable, you must enter the tenant information. Mortgagor Recoverable Total amount of corporate advance, Corporate Advance as of today s date, for which the mortgagor(s) is/are responsible Net Due Total of payment, late fees, NSF fees, etc., due less any suspense balance Total Amount Due Total of payment, late fees, NSF fees, etc., due from which no suspense balance is deducted Escrow Balance Total amount of any escrow balance, positive or negative Build Instructions: Click Build Instructions: A new screen will appear, displaying the standard text to accompany the referral. You may edit this text on each referral. Once the text is appropriate for the referral being done, click the Save button. Click the OK button. You will be returned to Page 4 of the Order Entry program: Issue 1.00 Doc Owner Training Mgr Page 83

81 Click the Save Order button to complete the referral: After clicking Save Order, a confirmation message will appear. Click Yes to complete the referral. To continue reviewing information, click No: After saving the order, a conformation message will appear: Click OK to complete the referral. Additional Warning Messages: If a file of the type you are attempting to refer is already open in the LenStarWeb system, the following warning message will display: Click OK to see a listing of files that may represent duplicates. Issue 1.00 Doc Owner Training Mgr Page 84

82 To proceed, click Cancel. LenStarWeb checks to make certain that no referral is done unless critical pieces of data are included. If you attempt to confirm data on a page with data missing, a warning message will display, specifying the missing information. Click OK and enter the missing data. Issue 1.00 Doc Owner Training Mgr Page 85

83 5 CHAPTER 1: - GETTING STARTED 5.1 Logging Into LenStarWeb Access LenStar Web at Each person has a login name, which allows an individual to gain access to the LenStarWeb System. The manager of the site designates the level of security that an individual may or may not have. The available types of access for the LenStarWeb program are manager, user or viewer. 1. Click the Login button next to Registered Users (upper right screen corner) or in the toolbar; a LenStarWeb Login box will appear: Issue 1.00 Doc Owner Training Mgr Page 86

84 2. Enter a user name, password and account into the corresponding fields. Indicate Servicer by clicking the Servicer radio button. 3. Click Login. The Welcome screen appears, with menu and tool bar items at the top, and system update notifications in the Welcome window: Issue 1.00 Doc Owner Training Mgr Page 87

85 5.2 Searching for a Loan To search for a loan, use the Search By drop-down list in the upper right of the Welcome screen. Select a search parameter from one of the 13 available options for accessing any loan. Search by: Loan Number Loan Number FC Only Loan Number BK Only LoanNumber POC Only Loan NumberDil Only Loan Number Ev Only Loan Number REO Only Vendor # Investor Loan # Borrower Name Property Address LenStar File Number *Recent Files* Issue 1.00 Doc Owner Training Mgr Page 88

86 Click on, and highlight, the selected search parameter. Or, enter a search string (at least four characters long) in the adjacent search field. Click Search. This will activate the Search Results screen: To search only open files, click the Open Files Only button before initiating the search. Closed files (cases) will be shaded pink. Open files will not be shaded; the line will be white. The first column of the Search Results table contains a designation code indicating the type of file displayed. These are also called Action Types or Action Indicators. Codes are defined as follows: F - Foreclosure B - Bankruptcy E - Eviction P - Proof of Claim D - Deed In Lieu This designation coincides with the type of Event Tracking the loan will have. In this example, Loan Number is the search parameter, but the same steps are followed for all search parameters: Issue 1.00 Doc Owner Training Mgr Page 89

87 Expand the Search Options box by clicking + in the upper left corner of the Search Options menu box. Click the radio button for each search option desired to show or hide. Click the Update Search button to modify the search results. Click on a displayed loan. This will activate the Event Tracking screen for the selected loan: Issue 1.00 Doc Owner Training Mgr Page 90

88 The screen header identifies the current module. A Priority message may appear to advise of important items that need to be addressed. Click OK to close the Priority message. In the Event Tracking screen, choose any available options. This will allow viewing information pertaining to the loan and receiving help. The Tracking Elements screen displays back-generated target dates. Late items are highlighted in pink, and will be transmitted to the bank in the form of a WorkList, a tool enabling the bank to be alerted of loan status while opening up a dialogue of communication with the attorney. 6 CHAPTER 2: EVENT TRACKING The Event Tracking module contains projected and completed dates for tracked event items. It also tracks the current investor compliance status, allowable fee information, and outcome of bankruptcy hearings. To access Event Tracking for a particular loan, click on a loan in the WorkList. This will activate the Event Tracking screen, displaying Tracking Elements for that loan: Issue 1.00 Doc Owner Training Mgr Page 91

89 In Event Tracking, the current status of all critical matters is readily available and easy to read. For your convenience, delinquent scheduled events appear in red. The Investor Compliance for foreclosure indicates whether the vendor is meeting the investor-allowable time frames and, when applicable, shows the number of days a loan is on hold. The Event Tracking module also serves as an excellent training tool for incoming personnel, since the module helps distinguish which events are personnel s responsibility and which are the servicer s responsibility. Each Event Tracking screen displays the Tracking Elements, Projected Dates, and Completed Dates. The servicer sets up the Tracking Element field, which tracks the steps in the loan process. The elements chosen for each loan will differ for each state, company and client. The servicer will set up the target table to determine the completion dates for items in the Projected Dates column. The vendor will populate the Completed Dates column by entering each item s completion date. Issue 1.00 Doc Owner Training Mgr Page 92

90 Overview of Tracking Elements Use the Event Tracking screen to set up tracking elements. The tracking elements vary by action (foreclosure, bankruptcy, etc.), state, process (judicial or non-judicial), loan type, and servicer requirements. You will set up timeframes to create the Projected dates. In this way, Event Tracking screens are used to track the progress of a loan. Past Due Items: All loan action types display the Original and Reprojection History columns. On or before the Projected date, the attorney is required to complete each work element on the Event Tracking screen. If an item becomes past due, the Projected date field will appear shaded in red on the WorkList. Expand or collapse the information detail windows in the Tracking Elements screen by clicking or in the upper left corner of each window. + - Issue 1.00 Doc Owner Training Mgr Page 93

91 Investor Compliance: Investor Compliance is a helpful, reliable feature that can be used as a tool to monitor progress on a loan. A display of the number of days from open to sale appears in the Investor Compliance area. LenStarWeb compares the number of days with the Allowable Days field to show whether the loan is progressing on schedule. The investor determines the number of Allowable Days, which is the number of days the loan type allows for the completion of any loan. If there is no date entered in the Scheduled Sale Date or Completed Date field for the Foreclosure Sale Held work element, LenStarWeb will use the Projected Sale Date to determine the number of days from open to sale. If a loan is or has been on hold, the number in the Days on Hold field is subtracted from the total days open, providing an accurate Open-to-Sale Days calculation. If a loan is on hold at the time you are viewing it, the Days on Hold field will be highlighted in red. The Variance field shows how many days ahead (in positive numbers) or how many days Behind (in negative numbers) the process is, in comparison to Allowable Days. If the loan is progressing on time, the Status field will be highlighted in green; if it is past due, the field will be highlighted in red and display the status as Late. Issue 1.00 Doc Owner Training Mgr Page 94

92 Attorney Fees: Allowable Fee refers to the loan fee. The allowable fee is based on the loan state and action type. If the attorney requested additional attorney fees and you have approved them, note this information in the Allowable Fee and Additional Fees fields by checking the Additional Fees Approved box. If you are not online and the foreclosure is contested, or if you are on hold for bankruptcy, the attorney will check the appropriate box under Additional Fees. Otherwise, you will have access to that field. Issue 1.00 Doc Owner Training Mgr Page 95

93 Bankruptcy Information: Bankruptcy information (BK Case #, Date Filed, Relief, and Chapter #) is accessible, but the attorney can view and revise the information. If the attorney has any bankruptcy information, they will forward it to you via File History. If a bankruptcy is filed while a foreclosure is in process, the foreclosure will be placed on hold through the Hold System. 6.1 Bankruptcy Tracking Screen Below is an illustration of the Bankruptcy Tracking Screen: Tracking Elements: Tracking elements for bankruptcy Chapters 7, 11, 12, and 13 are very similar. Issue 1.00 Doc Owner Training Mgr Page 96

94 Table 1: Definition of Bankruptcy Tracking Elements Tracking Element File Received by Attorney Affidavit to Servicer Motion Filed Hearing Date Set Scheduled Hearing Date Hearing Results Relief Date Signed Order Sent to Servicer Final Bill to Servicer Definition The date the attorney received the file or became aware of the borrower s bankruptcy case. The date on which the affidavit was sent to you. The date the attorney filed the motion for relief from automatic stay. The date on which the hearing date was set. The actual Hearing Date. The date Hearing Results were received. The date the court granted relief from automatic stay. The date the order was sent to you. The date the final bill was sent to you. Table 2: Bankruptcy Allowable Days Tracking Element Allowable Days File Received by Attorney 0 Motion Filed 0 Relief Date 35 LenStarWeb automatically calculates the Projected dates for Bankruptcy Tracking Elements. The calculation is based on the number of allowable days commencing with the File Received by Attorney date. Bankruptcy Servicer: The Bankruptcy Servicer area contains your information, including Client Name, Contact, Street Address, City, State, ZIP Code, Phone and Fax Numbers. Update this area as necessary. Issue 1.00 Doc Owner Training Mgr Page 97

95 Completed Hearing Results: LenStarWeb allows you to choose the appropriate final Hearing Results Date for your loan. Click on the Select Date From Calendar button next to the Completed Hearing Results field. The Select Date From Calendar box will appear. Select your date from the calendar and enter the reason in the File History field. Check the Reproject Dates box to reproject all dates, or check the Information Only box to send the information directly to the servicer s File History. The servicer will then not be required to read the information. If the servicer should be required to read a message when a date is changed or removed, uncheck the Information Only box. The message will then go to the servicer s File History and WorkList, where the servicer will be required to read the information. Click the Save button to save the date entry, or click the Cancel button to clear the entry. Temporary Hold: Prior to the completion of a bankruptcy relief loan, the attorney may negotiate a consent order, an adequate protection order, or other stipulations to provide for the resumption of payments. Since the court has not yet granted a stay relief, it would not be appropriate to close the bankruptcy relief loan. In this case, the attorney will open a Bankruptcy Hold. By opening a Bankruptcy Hold for the bankruptcy relief loan, the attorney will stop the bankruptcy relief timeline from continuing to count the elapsed days in the case. Issue 1.00 Doc Owner Training Mgr Page 98

96 Early Closure: Occasionally, the attorney may need to close a bankruptcy relief case before actually obtaining a stay relief. If so, the close reason reflected will be one of the following: Stay Relief, Abandonment, Discharge, Opened in Error, Loan Current, Case Converted, and Dismissed: Voluntary by Debtor. Multiple Cases: Whether or not the same party filed a new bankruptcy, the attorney will open a new bankruptcy relief case for each new bankruptcy filed on the same loan. Since they will have been filed on different dates, the attorney s filing of a new bankruptcy will keep the Event Tracking for each bankruptcy relief case separate. 6.2 Proof of Claim Tracking Screen The proof of claim case type enables reporting on tracking elements related to the underlying bankruptcy case. For example, in a Chapter 7 bankruptcy liquidation case, elements include petition date, date the proof of claim was filed, debtor s discharge date, and date the Chapter 7 Trustee filed its report. In a Chapter 11, 12, or 13 bankruptcy re-organization case, elements include the petition date, date the debtor filed its plan, date the proof of claim was filed, confirmation hearing date, and date the court confirmed the plan. The LenStarWeb Proof of Claim module allows you to view a facsimile of the official Proof of Claim form, ready for filing with the court, based on loan information entered during the Order Entry process. Issue 1.00 Doc Owner Training Mgr Page 99

97 Difference Between Bankruptcy Cases: There are two types of bankruptcy cases in LenStarWeb: Proof of Claim and Motion for Relief. LenStarWeb distinguishes between the two sets of tracking elements within each of these cases. With a Proof of Claim, elements can be tracked as related to the underlying bankruptcy case. In a Relief case, elements can be tracked as related to the motion for relief from the automatic stay, filed within the underlying bankruptcy case. The two types of bankruptcies have different projected timeframes and must be tracked separately. One timeframe difference is that in a Chapter 7 liquidation case, the Proof of Claim tracking elements cover 75 days, while a Relief case covers only 35 days from the File Received date to the Stay Relief Granted date. Case tracking elements for the Proof of Claim cases in Chapters 11, 12, and 13 are different from the Relief timeframes for the same chapters. The Proof of Claim timeframe for Chapters 11, 12, and 13 re-organization cases takes 120 days; the Relief timeframe for the same chapters takes only 35 days. Some investors require firms to open a Proof of Claim case for every re-organization case, whether it is a Chapter 11, 12, or 13. Issue 1.00 Doc Owner Training Mgr Page 100

98 When grounds exist to file for a motion for relief from the automatic stay, these investors expect counsel to open a Bankruptcy Relief case. The screens for each of the bankruptcy cases display different information as well. The Proof of Claim screen enables you to track the elements that relate to the underlying bankruptcy case, such as the date the debtor filed its plan, or the date the court confirms the plan. The Relief screen allows you to track the elements related to obtaining relief from the stay. Proof of Claim Tracking Elements: The Proof of Claim Tracking Elements screen displays the following tracking elements: Proof of Claim Sent to Court, Plan Ordered, POC Acknowledged Date, File Stamped Copy POC Received, Plan Reviewed, and Final Bill to Servicer: Issue 1.00 Doc Owner Training Mgr Page 101

99 Table 3: Chapter 7 POC Tracking Elements Tracking Element Allowable Days File Received by Attorney 0 Completed Proof of Claim Filed 20 Discharge 60 Chapter 7 Trustee Report Filed 60 Case Closed 75 Table 4: Chapter 11, 12 and 13 POC Tracking Elements Tracking Element Allowable Days File Received by Attorney 0 Plan Filed Date 15 Completed Proof of Claim Filed 20 Confirmation Hearing 30 Plan Confirmation Date 90 Proof of Claim Vendor: The Proof of Claim Vendor area contains information about the attorney, including Company, Contact, Street Address, City, State, ZIP Code, Phone Number and Fax Number. Update this area as necessary: Issue 1.00 Doc Owner Training Mgr Page 102

100 Proof of Claim Dates: LenStarWeb facilitates tracking Servicer Close Date in the Proof Of Claim Options area. Click the Select Date From Calendar button next to the date field to activate the Select Date From Calendar box. Choose the desired date. If changing the Servicer Close Date, enter details in the Servicer Close Date Detail field. Click the Save button to save your entry, or click the Cancel button to restore prior information: Issue 1.00 Doc Owner Training Mgr Page 103

101 Payment Tracking: The LenStarWeb Payment Tracking area permits you to track the commencement of payments from the borrower. The payments may be in the form of pre-confirmation plan payments, payments made under an adequate protection order, or other payment stipulations that are entered into the pre-confirmation: Issue 1.00 Doc Owner Training Mgr Page 104

102 Payment Start and End Dates: To specify or adjust the payment Start and End dates, click on the Select Date From Calendar button. Select dates from the Calendar box. Use the Clear Date button to change the date if necessary. Click Save to save the date, or Cancel to restore the field. Reminder Interval: You can set LenStarWeb to send automatic reminders to check the borrower s payments. Input or change the date in the Reminder Interval field. Click Save to save the date, or Cancel to restore the field. Last Follow-Up: To set or update the Last Follow-Up date, click on the Select Date From Calendar button. Choose the date from the calendar box. Click Save to enter the date, or click Cancel to clear the field. LenStarWeb will populate the Payment End Date field with the appropriate date. Issue 1.00 Doc Owner Training Mgr Page 105

103 Pre-Confirmation Payment Type: If the debtor commences payments under a pre-confirmation adequate protection order or stipulation, use the Payment Tracking fields (described above) to indicate when these payments commence, and to track follow-up. If the box next to Stipulation/APO in the Pre- Confirmation Payment Type area is unchecked, it indicates the borrower is making payments under a stipulation or adequate protection order: Plan Type: The fields in the Plan Type area reflect information about the debtor s plan and, if applicable, whether or not any pre-confirmation payments are made under a stipulation for adequate protection. The attorney will select the appropriate plan type fields to flag whether the debtor s plan is a Cram Down plan or whether the plan involves a Balloon Mortgage payment. The Plan Type area indicates how and to whom the debtor will make these payments. You can also use the fields in the Plan Type area to view information about the debtor s plan after confirmation. Issue 1.00 Doc Owner Training Mgr Page 106

104 When the attorney selects a Plan Type, they will also enter details of the plan terms. This is the information you will use to determine how to best service the payments concerning this loan: Post Petition Due: Use the Select Date From Calendar button to activate the calendar box and select the Post Petition Due Date. Click the Save button to save, or the Cancel button to clear the field. 6.3 Deed in Lieu Tracking Screen Select Deed in Lieu from the Worklist menu. A list of Deed in Lieu loans will appear on the Deed in Lieu Tracking screen: Issue 1.00 Doc Owner Training Mgr Page 107

105 Click on a desired loan to view its Tracking Elements screen. Deed in Lieu Servicer: The Deed in Lieu Servicer area contains the Client, Contact, Street Address, City, State, ZIP Code, Phone Number and Fax Number. Update this area as necessary. Scheduled Recording Date: The attorney will select and enter a reason for the Scheduled Recording Date. 6.4 Eviction Tracking Screen LenStarWeb contains eviction case tracking elements specific to each state; eviction timelines vary from state to state. Timelines also vary depending upon borrower-eviction versus tenant eviction. Determination of which tracking elements appear when a case is selected from the case list is based on how the case is entered at Order Entry (for example, as a borrower or a tenant eviction). Borrower and tenant eviction timelines are the same in some states. Issue 1.00 Doc Owner Training Mgr Page 108

106 Multiple Cases: If the attorney has multiple evictions for the same property, the attorney can open several eviction cases for a single loan by opening one eviction case for each eviction matter. Eviction Vendor: The Eviction Vendor area contains information about the attorney, including Company Name, Contact, Street Address, City, State, ZIP Code, Phone Number and Fax Number. The attorney will update this area as necessary. Issue 1.00 Doc Owner Training Mgr Page 109

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108 Scheduled Eviction Date: Expand the Eviction Dates detail window to view a Scheduled Eviction Date: Evictee Information: LenStarWeb provides an optional area where the attorney can enter the evictee s name. The evictee s status is already recorded. Issue 1.00 Doc Owner Training Mgr Page 111

109 6.5 Foreclosure Tracking Screen Select Foreclosure from the Worklist menu: A list of Foreclosure loans will appear on the Foreclosure Tracking screen. Click on a loan to view its Tracking Elements screen: Issue 1.00 Doc Owner Training Mgr Page 112

110 7 CHAPTER 3: LOAN INFORMATION The Loan Information section of LenStarWeb contains basic loan information. The content in a Loan Information module varies for each action. The Loan Information screen contains general loan information pulled at the time of referral, including: borrower name and social security number, property, financial, investor, insurer, and inspection information. The bank electronically transmits loan information; both the attorney and servicer have the ability to change the processor name. To activate Loan Information, double click on the desired loan. Select Loan Information from the menu. The Loan Information screen for the selected loan contains expand/collapse windows with fields displaying information on the loan. Expand or collapse the detail windows within the screen by clicking on or in the upper left corner of each window: + - Issue 1.00 Doc Owner Training Mgr Page 113

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112 The loan information screen allows you to update Borrower Information, Property Address, Investor Information, Title Company Information, Financial Information, Mailing Address, Mortgage Insurance Information, Loan Processor Information, Client/Vendor data, and additional information. Remember, this is general loan information pulled at the time of referral, and it is not automatically updated; therefore, the existing figures are not current. 7.1 Printing Loan Information To print Loan Information, click on the Print button in the toolbar. 7.2 Bankruptcy - Motion for Relief Loan Information To access the Bankruptcy WorkList, select Bankruptcy from the WorkList drop-down menu: Click the Refresh! button to activate the Bankruptcy WorkList screen: Issue 1.00 Doc Owner Training Mgr Page 115

113 Loan Information from Bankruptcy WorkList: To access information on a particular loan from the Bankruptcy WorkList, click on your selected loan number. This will activate the Bankruptcy Tracking Elements screen. Select Loan Information from the drop-down list: The Loan Information screen for the selected loan will appear. Expand or collapse the detail windows within the screen by clicking on or in the upper left corner of each + - window: Issue 1.00 Doc Owner Training Mgr Page 116

114 In this screen, you can update Borrower Information, Loan Information, Investor Information, Note Information, Bankruptcy Court details, Bankruptcy Debtor Attorney details, Breakdown of Arrearages, Property Address, Mailing Address, Mortgage Insurance Information, Loan Processor Information, Bankruptcy Total Debt and Client/Vendor Information. To print Loan Information, click the Print button in the toolbar. 7.3 Proof of Claim Loan Information To access the Proof of Claim WorkList, select Proof of Claim from the WorkList drop-down menu: Issue 1.00 Doc Owner Training Mgr Page 117

115 Click on the Refresh! button. This will activate the Proof of Claim WorkList: Issue 1.00 Doc Owner Training Mgr Page 118

116 Click on a selected loan to access information on a particular loan in the Proof of Claim screen. The Proof of Claim Tracking Elements screen will appear. Choose Loan Information from the drop-down menu: Issue 1.00 Doc Owner Training Mgr Page 119

117 The Proof of Claim Loan Information screen contains information update fields for POC Form, Debtor Information, Loan Information, Loan Processor Information, Basis for Claim, Claim Signature, Dates, Arrearage Payments/Late Charges, Bankruptcy Court, Public Trustee, Client/Vendor, Property Address, Miscellaneous Information, Proof of Claim Information, Classification of Claim, Previous Claim, Total Debt Figures, Total Arrearages, Investor Information, Debtor s Attorney, and Note Information. Expand or collapse the detail windows within the screen by clicking on + or - in the upper left corner of each window: Issue 1.00 Doc Owner Training Mgr Page 120

118 As you make edits to the form fields, you will be prompted by a flashing red Save button to retain the information changed in any/all detail windows. Saving changes will create a new version of the POC Form. Issue 1.00 Doc Owner Training Mgr Page 121

119 To print Loan Information, click the Print button in the toolbar. POC Form: The POC (Proof of Claim) Form (the first detail window in the Proof of Claim Loan Information screen) contains information necessary for filing the Proof of Claim, such as the Basis for Claim and Classification of Claim. Previously generated and recently updated forms are saved as.pdf files and require Adobe Acrobat Reader for viewing. If Adobe Acrobat Reader is not already loaded on your computer, click the link provided to access the Adobe Web site, and follow the prompts to download the software to your computer. If you already have Adobe Acrobat Reader or Adobe Acrobat, click on the POC Form button in the lower section of the POC Form detail window to open the most recent POC form: Issue 1.00 Doc Owner Training Mgr Page 122

120 Printing Proof of Claim: After entering or updating information into the appropriate fields of the Proof of Claim Form, you can print the form. Click the Print button in the Adobe toolbar. You will be able to print the form, it s attachments, or both, by selecting the number of pages in the range to print. 7.4 Deed in Lieu Loan Information To access Deed in Lieu information on a loan, select Deed in Lieu from the WorkList dropdown menu and click Refresh! Issue 1.00 Doc Owner Training Mgr Page 123

121 This will activate the Deed in Lieu WorkList: Click on a selected loan and choose Loan Information from the menu: Issue 1.00 Doc Owner Training Mgr Page 124

122 This will activate the Deed in Lieu Loan Information screen for the selected loan: In this screen, loan information can be input, updated and viewed, including Borrower Information, Financial Information, Investor Information, Additional Information, Legal Description, Property Address, Mailing Address, Mortgage Insurance Information, Loan Processor Information, and Client/Vendor Information. Expand or collapse the information detail windows by clicking + or - in the upper left corner of each window. To print Loan Information, click on the Print button in the toolbar. 7.5 Eviction Tracking Loan Information To access Eviction Tracking loan information, select Eviction Tracking from the WorkList drop-down menu: Issue 1.00 Doc Owner Training Mgr Page 125

123 Click the Refresh! button. This will activate the Eviction Tracking Worklist. Click on a selected loan and choose Loan Information from the drop-down menu. This will activate the Eviction Tracking Loan Information Screen. In this screen, information fields may be completed, updated and viewed, including Borrower Information, Mailing Address, Additional Information, Client/Vendor Information, Property Address, Investor Information and Loan Processor Information: Issue 1.00 Doc Owner Training Mgr Page 126

124 Expand or collapse the information detail windows by clicking or in the upper + - left corner of each window. To print Loan Information, click the Print button in the toolbar. 7.6 Foreclosure Loan Information To access Foreclosure loan information, select Foreclosure Tracking from the WorkList dropdown menu: Issue 1.00 Doc Owner Training Mgr Page 127

125 Click the Refresh! button. This will activate the Foreclosure Tracking Worklist. Click on a selected loan and choose Loan Information from the drop-down menu: Issue 1.00 Doc Owner Training Mgr Page 128

126 This will activate the Foreclosure Tracking Loan Information Screen. In this screen, foreclosure information fields may be viewed. Expand or collapse the information detail windows by clicking or in the upper + - left corner of each window. To print Loan Information, click the Print button in the toolbar. Issue 1.00 Doc Owner Training Mgr Page 129

127 CHAPTER 4: FILE HISTORY File History is the backbone of the LenStarWeb System. This module is used for all correspondence that takes place between the loan servicer and the vendor. Information transmitted previously via phone or fax is sent through the File History module, where it becomes a permanent part of the loan s documentation. As a result, file histories cannot be edited or deleted. When each history is entered and read, the system dates and time stamps the action. The other modules in LenStarWeb automatically write to File History whenever information is added or changed in the system. File histories upload to your host system automatically with the LenStarWeb Host-Post module. All conversations through File History can be uploaded to your loan servicing system automatically with the LenStarWeb Host-Post module, eliminating duplicate data entry. Select File History from the Worklist menu: 7.7 Forwarding File History from the WorkList The Forward File History from WorkList feature enables you to forward a file history message to another processor through LenStarWeb, directly from the WorkList - without opening the loan. Issue 1.00 Doc Owner Training Mgr Page 130

128 In the WorkList menu, select File History. Click the Refresh! button. In the Loan # column on the left, select the loan(s) for which you want to forward file history to another user. Check the box next to the selected loan(s). To send file history for all loans on the Worklist, check the Select All box. From the Forward Selected File Histories To menu at the bottom of the screen, choose the user to whom you want to forward file history. Click the Forward button to send: Forwarded file histories will appear on the Forward To processor s WorkList. An additional file history, with the topic File History Forwarded by Attorney/Servicer will be added. 7.8 Printing File History Messages You can either print the highlighted file history for a particular loan, or print the entire file history for a particular loan (when there are multiple messages). The steps for printing are the same for both the To Servicer and the From Servicer screens. To print a message, open the message and click the Print button in the toolbar. Issue 1.00 Doc Owner Training Mgr Page 131

129 8 CHAPTER 5: CALENDAR SYSTEM The Calendar System is an electronic calendar used for scheduling follow-up on future dates. The Calendar System keeps tasks and follow-ups current. It also eliminates the use of sticky notes and paper calendars, while allowing supervisors and co-workers to follow-up on items quickly and easily. The Calendar System is designed to track follow-up items that do not delay the processing of the loan. Once added, a calendar item will appear on your daily WorkList in due date order, with the oldest item at the top of the list. Unlike items in the File History, the servicer cannot see items that have been placed in a vendor s Calendar System. Similarly, your office cannot see items that the servicer has entered into their Calendar System. To activate the Calendar System, select Calendar from the menu. This will activate the Calendar System screen: Choose the type of view you prefer by selecting either Listing or Detail from the View drop-down menu. The Calendar System screen contains the same options for each action type. Be sure the calendar item to add or edit corresponds with the loan that initiated your search. If it doesn t match, return to the Search screen and choose the appropriate loan before following these instructions. Clicking on the Mark As Complete button (green check mark) to indicate the calendar item is completed. Click on the Edit Calendar button in the Due Date column to re-project the due date, if necessary. Issue 1.00 Doc Owner Training Mgr Page 132

130 Adding Calendar Tasks: To add a calendar item, click the Add Calendar Item button. The Add Calendar Item screen will appear: Select the calendar date, using the Select Date From Calendar button to activate the calendar box. Use the Clear Date button to clear the date, if necessary. Select a standard topic from the Topic drop-down list, or create one in the OR field. If you select a standard topic, the related text will automatically be entered in the Calendar Detail field. You can include additional topic text manually, if necessary. If you create your own topic, manually enter text into the Calendar Detail field. To copy the item to File History, check the Copy to File History box below the Calendar Detail field. Otherwise, check the Send Information Only box. If you choose to send the item to File History, LenStarWeb will populate the Calendar as well as the Date Read field with today s date. If you select Send Information Only, LenStar Web will include the words Information Only in the Read By field in File History. If you choose neither Copy to File History nor Send Information Only, the Date Read and Read By Fields of File History will remain empty. Click the Save button to save the information, or click the Cancel button to clear the information. Editing Calendar Tasks: After you have saved a calendar item to the Calendar System, you can edit the item later. In the Calendar System screen, click the Edit Calendar button in the Due Date column: Issue 1.00 Doc Owner Training Mgr Page 133

131 This will bring you to the Edit Calendar Item screen: Edit details of the task as necessary (date, topic text). When finished, click the Save button to save the changes, or the Cancel button to restore the previous information. Completing Calendar Tasks: In the Calendar System screen, click the Mark As Complete button to indicate the item has been completed. It will be removed from your Calendar and from the WorkList. Issue 1.00 Doc Owner Training Mgr Page 134

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133 9 CHAPTER 6: REQUEST SYSTEM The Request System module is comprised of two sections: Information Requested from the Vendor and Information Requested from the Servicer. When information is requested, the item will be sent via File History. It will appear in the WorkList (in either the Servicer or Vendor Request areas). Only the user requesting the information can mark request items as Complete ; this ensures the request will remain active until the item has been completed to the satisfaction of the requestor. The Request System is an effective tool for loan servicers to use when evaluating items that are causing delays in the processing of delinquent matters. This module tracks the response time of both the loan servicer and the vendor. The Request System does not overlook critical items. It eliminates paper requests as well as the use of memory-retentive recall systems. As with File History, you can use the Request System to send messages; however, unlike File History, the Request System enables scheduling a Due Date to appear in the WorkList. The request item will remain on both your WorkList and the attorney s WorkList, until the attorney s office marks it as complete. To activate the Request System, select Requests from the menu: Issue 1.00 Doc Owner Training Mgr Page 136

134 The Request System screen contains the same options for each action type. Be sure the request item to add or edit corresponds with the loan that originated your search. If it does not match, return to the WorkList screen and choose the appropriate loan before following these instructions. Vendor Requests: In the Vendor Requests area, the attorney adds requests to be delivered to the servicer. There will be a list of the items requested, as well as the items that have been completed. The attorney can also have the opportunity to mark an item as Complete, Update a Due Date, and View a Request in Detail: Issue 1.00 Doc Owner Training Mgr Page 137

135 In the WorkList, choose Vendor Requests from the WorkList menu. Click the Refresh! button to activate the Vendor Requests WorkList screen. Click on request to view details: Issue 1.00 Doc Owner Training Mgr Page 138

136 Servicer Requests: In the Servicer Requests screen, you can add requests. Click the Add Request button: This will activate the Add Request screen: Here, you can select the due date for the request by using the Select Date From Calendar button. Select a pre-set topic, or enter a topic manually. If you select a pre-set topic, the text will auto-populate in the Request Detail field. If you enter a topic manually, you must also enter your Request Detail text. Issue 1.00 Doc Owner Training Mgr Page 139

137 Select a recipient for the calendar item from the Calendar Item For drop-down list. Click Save to save your information, or Cancel to restore blank fields. Viewing a Request Detail: Although only the Topic of the request will appear in both the Vendor and Servicer Request areas, you can read the message that is attached to the topic. View Request Detail works the same for the Servicer Requests as it does for the Vendor Requests. To view a request detail, select Detailed from the View drop-down menu. This will expand the request section to display a detailed view of the request. 10 CHAPTER 7: DOCUMENT TRACKING Document Tracking is beneficial to both servicers and vendors, especially in states that require original documents. The Document Tracking module tracks documents sent from the loan servicer to the vendor. It also tracks the return of critical documents from the vendor to the servicer. By using the Document Tracking module, you will have additional accountability and easy identification when tracking the location of critical documents. When documents must be retrieved from the courts, Document Tracking is particularly useful for reinstated foreclosure loans. Unlike many systems, the Document Tracking module does not lose the ability to track documents once a case has been closed. Document Tracking also provides an easy method for documenting the path of original documents. When a necessary document is not received, use the Request System to send a message to the servicer. To activate the Document Tracking screen, choose Documents from the menu: Issue 1.00 Doc Owner Training Mgr Page 140

138 The Document Tracking screen contains the same options for each action type. Be sure the document to add or edit corresponds with the loan that began your search. If not, return to the WorkList screen and choose the appropriate loan before following these instructions. Adding a Document: To add a document, click the Add Document button. This will activate the Add Document screen: To select a document title, either use the Document drop-down menu to make your selection, or enter your own title in the -OR- field. Click the Save button to save the document title, or click the Cancel button to clear it. Depending on which type of document you have received, select either Original or Copy by clicking the appropriate radio button. Issue 1.00 Doc Owner Training Mgr Page 141

139 The Date Received automatically defaults to today s date; this can be changed, if necessary, as follows: Use the Select Date From Calendar button to activate the calendar box and make your date selection. Click the Save button to save the new Date Received, or click the Cancel button to restore the previous date. After saving, the new document will be listed in the Document Tracking area. Issue 1.00 Doc Owner Training Mgr Page 142

140 Editing a Document: Information pertaining to a particular document can be edited in Document Tracking. To edit a document, click the Edit Document button in the Doc Name column. This will activate the Edit Document screen: The Edit Document screen displays the document name, whether it is an original or a copy, the date it was sent to (and received by) the vendor, and whether the document is an original or a copy. It also displays the recipient and date the recipient sent it to the servicer, as well as the date the servicer received the document. All fields (except Document, which displays the document name) can be edited. To adjust dates, use the Select Date From Calendar button to choose a date from the calendar box. When editing is complete, click the Save button to keep your changes, or Issue 1.00 Doc Owner Training Mgr Page 143

141 click the Delete button to restore previous information. Changes will appear in the Document Tracking screen. 11 CHAPTER 8: HOLD SYSTEM When a loan is unable to proceed due to non-routine processing requirements (such as a foreclosure that was pre-empted due to a bankruptcy filing) you can use the Hold System to place the hold on a loan. The Hold System module identifies cases that are on hold, as well as the reason for the delay in the process. The Hold System adds accountability and allows for quick identification of all of the cases that are no longer being processed. The Hold System is also a convenient tool for loss mitigation personnel. Through the use of the Hold System, LenStarWeb automatically deducts the number of days a matter is on hold, from the total number of open-to-sale days when calculating vendor performance versus investor time frames. The system requires an explanation for the hold, which is sent as a File History to either the vendor or servicer for review. When you place a loan on hold, the loan will only appear on your Hold WorkList if you assign it a follow-up date. You can enter multiple holds with the Hold System. To activate the Hold System, choose it from the menu: The Hold System screen contains the same options for each different action type. Be sure the hold item you want to add or edit corresponds with the loan that began your search. If not, return to the WorkList screen and choose the appropriate loan before following these instructions. It is critical to input accurate dates within the Hold system, since this time will be deducted from the Inventory Compliance Timeline. Issue 1.00 Doc Owner Training Mgr Page 144

142 Adding a Hold: To add a hold, click the Add Hold button in the Hold System screen. This will activate the Add Hold Item screen: Issue 1.00 Doc Owner Training Mgr Page 145

143 The Hold Start field will automatically default to today s date. If this is the correct Start date, you do not need to change the Hold Start field. If the date is incorrect, use the Select Date From Calendar button and select a new date from the calendar box. Choose a Hold Reason from the Hold Reason drop-down list; LenStarWeb will automatically populate the Hold Detail field and the Hold Detail box. Or enter a topic in the -OR- field and manually enter topic text into the Hold Detail box. The Calendar Followup field defaults to one month from the Hold Start date. To change this date, use the Select Date From Calendar button and select a new date from the calendar box. To dismiss the follow-up, check the Ignore Followup box. Use the Calendar Item For drop-down list to choose a name for this field. If this field is not altered, it will default to the login name. When all edits to this screen are made, click the Save button to save your revisions, or click the Cancel button to restore previous information. After you save, you will return to the Hold System screen to view the new hold. Once a loan is placed on Hold, the Days on Hold field in the Investor Compliance area of the Event Tracking screen will be highlighted in red. Issue 1.00 Doc Owner Training Mgr Page 146

144 Editing a Hold: To edit a hold, click the Edit Hold button in the Start Hold column. This will activate the Edit Hold Item screen: To edit the Hold Start field, use the Select Date From Calendar button to choose a new date from the calendar box. Issue 1.00 Doc Owner Training Mgr Page 147

145 To change the Hold Reason, use the Hold Reason drop-down list; your topic will be automatically populated in the Hold Reason field and the Hold Detail dialog box. Or, enter a topic manually in the -OR- field and enter your reason text manually into the Hold Detail dialog box. Check the Make Topic and Detail Selectable for Future Use box, if desired. When edits are complete, click the Save button to save your changes, or click the Cancel button to restore previous information. Ending a Hold: To end a hold, click the End Hold button (this button resembles the Select Date From Calendar button). This will activate the End Hold screen: Issue 1.00 Doc Owner Training Mgr Page 148

146 Click the Select Date From Calendar button. Use the calendar box to indicate the date the hold ended. Click the Save button to enter the date. You will return to the Hold System screen to view the hold s end date in the End Hold field for the loan. A message will be sent to File History indicating that the hold has ended. It will also show the total number of days the item was on hold. To clear the End Hold Date, click the Cancel button. Removing an End Hold Date: If you previously ended a hold and the incorrect date was entered, or the loan was ended in error, you can remove the End Hold date from the On Hold System area. To remove an End Hold date, click the End Hold button in the End Hold Column (this button resembles the Select Date From Calendar button). This will activate the End Hold screen: Issue 1.00 Doc Owner Training Mgr Page 149

147 Click the Clear Date button to the right of the Select Date From Calendar button. This will clear the existing date. Leave the Completed field blank and click the Save button. You will return to the Hold System screen, where the End Hold Date will no longer appear in the End Hold column. Viewing a Hold Detail: At any point, on any loan, you can view the message attached to the hold. Select Detailed from the View drop-down list. This will expand the Hold Reason text box: Issue 1.00 Doc Owner Training Mgr Page 150

148 12 Payoff/Reinstate The Payoff/Reinstate screen allows you to send figures to your vendor for possible reinstatement or payoff. To access the Payoff/Reinstate screen, select it from the menu: Here, you can make changes to existing data, or enter new data. Use the Select Date From Calendar button to activate the Calendar Box and select Reinstatement Figures Good Through and Payoff Figures Good Through dates. Enter your updated figures in the appropriate fields. Click the Save button to save your data. LenStarWeb will automatically send a message to File History with your updated figures. Click the Cancel button to restore the previous information. You can also clear the date fields using the Clear Date button. 13 Sales Bid The Sales Bid process is similar to the Payoff/Reinstate process. Here, you can transfer sales bidding information to the vendor, to facilitate biding at the foreclosure sale. Issue 1.00 Doc Owner Training Mgr Page 151

149 Access the Sales Bid screen by first selecting a loan in Foreclosure Tracking, then choosing Sales Bid from the menu: This will activate the Sales Bid screen for the selected loan: Data can be entered and changed in the Total Debt Figures window. Use the Select Date From Calendar button to enter dates, as necessary. In the Bid Information window, click the appropriate Bid Type radio button. Text will auto-populate in the Bidding Instructions dialog box. Enter a figure into the Specified Bid Amount field. The Sale Results window is pre-set. Issue 1.00 Doc Owner Training Mgr Page 152

150 Click the Save button to save your information; LenStarWeb will automatically send a message to File History with your updated figures. Click the Cancel button to restore the previous information. You can also clear the date fields using the Clear Date button. 14 Priority Comment The Priority Comment function is only active when you have selected a loan. Priority Comment enables your office to enter a comment that will be displayed when the loan is accessed. Your office will only see the comments originated from your office; the vendor s office will only see comments originated from their office. A Priority Comment remains attached to a loan until the comment is removed. If a loan is on Hold, you do not need to add a separate Priority Comment. This will be done automatically when the loan is put on Hold. Access Priority Comment by selecting it from the menu: This will activate the Add/Edit Priority Comment screen. The Priority Comment message box will appear. Enter your comment information, or make changes to the existing information. Click the Save button to save your text, or click the Cancel button to restore the previous information. You can also clear the message box by clicking the Clear Comments button. 15 CHAPTER 9: WORKLIST The WorkList is a real-time queuing system, which allows the loan processor to work with items in need of attention in a quick, efficient manner. For each processor assigned to a specific loan, the WorkList displays action items chronologically, from most delinquent to least delinquent. Management has the option of viewing incomplete work for all processors. When you use the WorkList, proper loan follow-up is possible. You can easily access items needing attention. Issue 1.00 Doc Owner Training Mgr Page 153

151 Since the system automatically navigates to the correct screen and loan to process work, there is a minimal amount of training required. The WorkList provides management with a simple method of viewing work to be done by the processors. It is important to review all WorkList items daily to meet the servicer s needs in a timely manner. To activate the WorkList, click the WorkList tool from the toolbar. When you first open the WorkList, Foreclosure Tracking items will be displayed by default. Foreclosure Tracking is one of the most important features within the system. It notifies you of all overdue legal items, by loan. To work through all items in the WorkList, you must work through all modules in the WorkList, including: Foreclosure Tracking (provides event tracking for key milestones within the Foreclosure action) File History (enables communication with the loan servicer) Calendar Items (allows scheduling follow-up items for future dates) Servicer Requests (facilitates obtaining requests from the servicer) Vendor Requests (permits requesting items from the servicer) Hold System (makes possible placing holds on loans) Bankruptcy, Proof of Claim, Deed in Lieu, and Eviction Tracking (lets you track event items for various loans and their action types) Issue 1.00 Doc Owner Training Mgr Page 154

152 Working the WorkList: To view a WorkList, select a WorkList and processor from the drop-down lists. Then click the "Refresh!" button. This will activate your selected WorkList. Items you view or complete will be shaded light blue. Completed items will still be visible until you click "Refresh!", change WorkLists, or change processors. It is not necessary to click "Refresh!" after every item you complete. Only refresh if you do not want to see items you have just completed. Refresh! will take you to the beginning of the WorkList. These changes allow you to see items you have just viewed or completed. They return you to the same location in the WorkList and increase performance by reducing network traffic. Double-clicking an item will activate the Event Tracking screen for that item: Issue 1.00 Doc Owner Training Mgr Page 155

153 Expand or collapse the detail windows within the screen by clicking on or in + - the upper left corner of each window. To forward file histories, select File History from the drop-down list. This will activate the File History screen: Issue 1.00 Doc Owner Training Mgr Page 156

154 The Forward to Another User button in the Read By column allows you to forward File Histories to other users. Changing the Effective Date: By default, the WorkList displays items that are due or past due as of the current date. If you want to view items in the WorkList coming due, change the Effective date to display them. Changing the Effective date does not affect File History items, because File History contains unread items. Click on the Select Date From Calendar button next to the Effective field at the top of the screen to change the WorkList effective date. The Date Selection Box will appear: Issue 1.00 Doc Owner Training Mgr Page 157

155 Change the Effective field by clicking on the selected date. The new date will appear in the Effective field, and the upcoming items will appear in the WorkList. Showing All Processors: The WorkList defaults to Show All Processors to review all work requiring completion for a particular process or module. If you want to view a list for a particular LenStarWeb processor in your office, Use the drop-down list next to the Processor field to find your choice. A list of loans for that individual will appear: Issue 1.00 Doc Owner Training Mgr Page 158

156 Color Coding All WorkList Tracking modules use Color Coding to specify when someone last accessed a loan. There is a color code legend located on the WorkList screen, indicating how many days each color represents. Once you have accessed a loan in the WorkList, the background for the tracking element is shaded in lavender; this shows if you have accessed an item on the current day. If the WorkList item is incomplete, it will remain on the WorkList until completed. Only tracking module items are shaded in lavender once they have been accessed in the WorkList. Printing The WorkList: You can print a hard copy of each WorkList module. To print the WorkList for all of the processors, select *ALL* from the Processors drop-down list. To print the WorkList for a specified processor, select the processor from the drop-down list. Click the Print button in the toolbar to print. Only the WorkList items for the chosen module will be printed. 16 CHAPTER 10: ELECTRONIC MAIL The Electronic Mail ( ) feature of LenStarWeb is used only for non-loan related correspondence between the vendor and the servicer. Since this is not a Web-based feature, only individuals with access to the LenStarWeb Network can use the function. Since you can send and receive messages only from LenStarWeb processors, you cannot transmit loan information via ; instead, the information transfers through File History. When you decide to compose using LenStarWeb, you will be reminded of its function by a message that reads, Please remember that is not to be used for loan related correspondence. Use file history for all loan related correspondence. Issue 1.00 Doc Owner Training Mgr Page 159

157 To activate Electronic Mail from any screen, click the button in the toolbar. This will activate the LenStar System New Mail screen: Issue 1.00 Doc Owner Training Mgr Page 160

158 Composing LenStarWeb To compose a message, click the New Message button. This will activate the New Message screen: Indicate your recipient by clicking the Select button next to the To: field. This will activate the LenStar Address Book, a drop-down list of recipients. Make your selection from the list. The To: field will be populated with your chosen recipient. Compose your message by entering a subject into the Subject field and message text into the Message field. Click Save to send the message; it will be displayed in the New Mail Issue 1.00 Doc Owner Training Mgr Page 161

159 and Previously Sent Mail screens. Select your view by choosing from the View drop-down menu: Reading LenStarWeb In the screen, each View option (New Mail, Previously Read, Previously Sent) provides a list of messages available to read. Make your selection. This will activate the screen listing of s for that type. In the example below, we show Previously Sent mail: Choose the specific message to read by clicking the Read Mail button. This will activate the Message screen for your selected Once a message has been read, it moves from the New Mail list to the Previously Read list. To print a message, click the Print button in the toolbar. To forward a message, click the Select button next to the Forward To: field. This will activate the LenStar Address Book, a drop-down list of recipients. Choose your recipient; LenStarWeb will populate the Forward To: field with your selection: Issue 1.00 Doc Owner Training Mgr Page 162

160 Click the Save button to send your message; it will appear as a forwarded message in the Previously Sent screen. Click the Cancel button to clear the Forward To: field. 17 CHAPTER 11: WORKING WITH LENSTARWEB MENUS Toolbar Menus: The icons in the LenStarWeb toolbar are similar to familiar software applications and operating systems, including Help and Print buttons. LenStarWeb also provides the following special tools: WorkList, , Reports and Utilities. WorkList: Access the WorkList through the File drop-down menu. Choose File>WorkList. You will move to the WorkList screen, where you can work with the list of your choice. Please see Chapter 10: for functionality. Reports: Reports allow you to choose a date range prior to printing the report. When you change either the stop or start date, you must click Rebuild Table prior to printing the report. Once you have selected your date range and rebuilt the table, you can save or preview the report on Issue 1.00 Doc Owner Training Mgr Page 163

161 the screen before printing. To access the Reports screen, click the Reports button in the toolbar. This will activate the Report Status screen: Previously built reports are listed in order of date and time built (most recent first). Types of reports yet to be created are listed in the Reports Waiting to be Built window (bottom of screen). Unread File History: The Unread File History report displays all File Histories sent by the user that have not been read by the recipient. The report is organized in chronological order, based on the date the File History was sent. To view an unread File History, select the item under the Format column: Issue 1.00 Doc Owner Training Mgr Page 164

162 The Unread File History Report will be displayed in its specific format (in this example, Excel): Priority Comment: The Priority Comment utility is only active when you have selected a loan. The Priority Comment utility enables your office to enter a comment that will be displayed when the loan is accessed. Your office will only see the comments originated from your office; the attorney s office will only see comments originated from their office. A Priority Comment remains attached to a loan until the comment is removed. If a loan is on Hold, you do not need to add a separate Priority Comment. This will be done automatically when the loan is put on Hold. For instructions on how to add or remove a Hold, see Chapter 9: Hold System. Issue 1.00 Doc Owner Training Mgr Page 165

163 Adding/Editing a Priority Comment: To activate Priority Comment, select a loan from the WorkList. Choose Priority Comment from the menu. This will activate the Add/Edit Priority Comment screen: Adding and Editing a Priority Comment requires the same process. Enter or change the comment text in the Message dialog box. Click the Save button to save the Priority Comment text; click the Cancel button to clear the last entry. You can also clear the entry by clicking the Clear Comments button in the upper left corner of the window. The saved Priority Comment will appear in a Warning message box each time the loan item is opened in LenStarWeb. Removing a Priority Comment: To remove a Priority Comment, open the loan in the WorkList. Choose Priority Comment from the drop-down menu. In the Add/Edit Priority Comment screen, click the Clear Comments button. The Priority Comment will be removed. Days to Sale: The Days to Sale report displays all loans that went to sale during the date range entered, and compares the actual processing time to the allowable time. To access the Days to Sale report, select it from the Format column in the Reports screen. This will open the Days to Sale report: Issue 1.00 Doc Owner Training Mgr Page 166

164 Close Report: The Close report displays all loans closed during the date range entered. The report prints in date order based on the closed date. To access the Close report, select it from the Format column in the Reports screen. This will open the Close File Report (Detailed): Help: The Help menu provides links to system Help topics. Click Help in the toolbar. This will activate the Help screen: Issue 1.00 Doc Owner Training Mgr Page 167

165 Click a link to your desired Help topic, or click the link in the Support window to send a Help question directly to LenStar Support. Utilities: Managers may add and edit users and topics in the Utilities screens. Access Utilities by clicking the Utilities button in the toolbar (from any screen): Issue 1.00 Doc Owner Training Mgr Page 168

166 Manager-defined Utilities are listed under Manager in the Utilities menu. User-defined Utilities are below, under User. User Utilities: Users have the ability to change their own passwords and establish an address to which notifications will be sent. Password: To change your password, choose Password from the User Utility Menu. The Change Password screen will appear: Issue 1.00 Doc Owner Training Mgr Page 169

167 The Change Password box will prompt you to enter a password containing at least six characters, a combination of letters and numbers. Click Save to set your new password. Address: To indicate the address to which you would like system notifications sent, choose E- Mail from the User Utility Menu: Issue 1.00 Doc Owner Training Mgr Page 170

168 The Notification box contains an explanation of what will be sent to you via , as well as a field for entering your choice of address and radio buttons for various notification options. Make your selections and click Save. 18 Black Box LenStar Black Box performs the following functions: Outgoing Tasks - Black Box retrieves information, known as outgoing tasks, from the host system for insertion into LenStar, eliminating the need to use LenStar Order Entry Screen Capture functions. Incoming Tasks Black Box will retrieve information, known as "incoming tasks", from the LenStar HUB for insertion into the Host System, replacing the LenStar HostPost Screen Capture functions. Black Box continually polls a specified queuing area for new outgoing tasks. Each outgoing task is required to be accompanied by a HostKey value that uniquely identifies a loan or matter on the host system. For complete specifications on LenStar Black Box, please see the LenStar Black Box Overview document at Issue 1.00 Doc Owner Training Mgr Page 171

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