Build Your Own Tree House – Pros and Cons, Fasteners and Hardware

Tree houses are fun, bonding activities you can do with your friends or family, and can provide a unique and ideal hangout spot surrounded by Mother nature. One of the biggest differences in my opinion, between tree houses and other on-ground add-ons you can build on your property, is the fact that a house up in the trees sways – to varying degrees depending on the height and size of the Tree and branches – and so can add a unique and soothing feel.

There are several prerequisites that must be met before this particular project would be considered feasible for you. The first ones are also the most obvious:

  1. Do you have a suitable tree with your property on which you can construct your tree house? This question may be ambiguous to some, as what kind of tree exactly is considered suitable? Well, this depends largely on the size of the structure in question, as well as the expected load – number of people, furnishings, etc. The larger your tree house is, the larger your tree needs to be.
  2. How are you with heights? Now is not a good time to kid yourself or anyone else if you happen to be abnormally scared of heights! We're all scared of heights to varying degrees, but if you lack the courage or ability to comfortably work at the needed height, this project may not be for you. Granted, it can be built relatively low to the ground as well and still be called a "tree house" – in which case, this may not apply.

Now that we have those out of the way, we can get into the other aspects of building. When compared with a structure on the ground, a tree house may somehow seem like a simpler project due to the fact that some of us have grown up "throwing" little makeshift tree houses up here and there. However, it's important to remember that any halfway decent structure, whether on the ground or up in a tree, requires careful planning and implementation of standard safety code.

Here are some other questions you should ask yourself before concluding the planning stage:

  1. What will I use the tree house for? Depending on your answer, you may want a roof and walls, or you may find it unnecessary. In either case, a rail and / or walls at least a meter high is recommended for safety.
  2. How long do I want it to last? You may think that the answer to this question is obvious, but you should understand that the lifespan of your tree house depends heavily on the materials you use and the quality and number of layers of your protective stain. Tree houses, by virtue of their definition, stand within and under the canopy of the tree in which they are built. Because of this, they are more susceptible to premature rot due to the prolonged shade and humid nature of their environment. The fallen leaves and branches scattered across the deck also serve as decay-accelerators unless they are regularly swept off.

Foundation and Floor-shape

One of the unique beauties of a tree house is the fact that you can simply build around the various branches leaving them exposed within your tree house, enhancing the "natural" atmosphere. As with an on-ground structure, you should start with building your base and floor. You may face complications with the shape of your floor due to the limitations of suitable branches to base off of.

Because of this, there's a possibility you may have to set up for a non-square shape. This may be what you want, or this may be a problem for you. In any case, you should understand that there are some restrictions placed upon you by the particular tree you're working with. All branches used for a foundation should be able to single-handedly carry several hundred pounds, and more if you're expecting higher traffic.

Tree Wood Density and Fastener Quality

Large tree houses that weigh more than the collective weight of their occupants should be carefully designed , as various factors such as the hardness of the tree and fastener quality and design come more into play. Wood will compress where the fasteners connect to the tree to varying degrees based on the hardness of the tree in question, causing a sinking of the tree house.

Professional-grade Tree house Fasteners – Are they Necessary?

There are various tree house fasteners available on the market today specially manufactured for their unique needs. However, the question invariably arises as to how necessary these customized bolts and brackets are in comparison to normal ones found in home centers due to their price. They often cost between one and several hundred dollars each!

The first thing to bear in mind when contemplating the pros and cons of these rather pricey pieces of hardware is that trees are living organizations, and are still growing, moving, and changing shape. Therefore, your tree house and the hardware on which it is mounted must accommodate this movement. Simply bolting the beams into the tree's branches results in a fixed attachment that will force the tree to either pull the screw through the beam or try to grow around the beam.

The first of the two will result in a sudden and dangerous failure , while the second will result in an unhealthy and unnatural growth around the beam, potentially causing disease and decay to set in. Custom bolts and brackets are made with a certain allowance for tree growth, with a section of the bolt that is embedded deep in the tree's heartwood and a large shank that allows axial movement coupled with a female part that is attached to the beam.

So to answer the question of whether these expensive custom parts are necessary, the short answer is yes, and no. Yes, if you lack the know-how to find parts that will accomplish the same purpose as the professional parts do, and no, if you do, and do not require your tree house to last for fifty years. Home centers sell bolts and hardware with large diameters and lengths which can be used, but the entire shank can not be threaded.

The half or so that is embedded into the tree must be threaded, but the reminder that acts as the cushion to compensate for tree-growth must be smooth. You also need a female piece that fits around the smooth shank that has a bracket that can be screwed into your beam. This female bracket then has the freedom to slide along the axis of the smooth bolt shank as the tree grows in girth. All parts should be stainless steel as well – others may corrode to failure.

Obviously, the big tree house building companies would disagree with the above opinion, and the ideal is to buy these parts. I'm just offering an alternative for those who do not have a large budget but still want to construct a safe and environmentally-friendly tree house. There is also a chance you will not be able to find hardware that meets the criteria, leaving you with no other choice.

The professional criterion when it comes to fastening your tree house to your tree seems to be "perch, do not pin". I agree whole-heartedly with this principle and any alternative I save above should not contradict this. But not everyone looking to build a tree house is willing to spend tens of thousands of dollars, so, your budget is a primary factor in determining the quality as well as what kind you would build.

In any case, it should be a safe and fun place to accommodate whatever activities you envision. Taking into consideration the damage inflicted on the tree as well as future complications that may arrise such as those mentioned above when planning, is simply the responsible and consider course of action.

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Introduction to Silk Test Architecture

Normal use of an application consists of a person manipulating a keyboard and mouse to initiate application operations. The person is said to be interacting with the GUI (Graphical User Interface). During Silk Test testing, Silk Test interacts with the GUI to submit operations to the application automatically.

Thus Silk Test can simulate the actions of a person who is exercising all the capabilities of an application and verifying the results of each operation. The simulated user (Silk test) is said to be driving the application. The application under test reacts to the simulated user exactly as it would react to a human rest. Silk Test consists of two distinct software components that execute in separate processes:

The Silk Test host software

The 4Test Agent software

Silk Test host software

The Silk Test host software is the program you use to develop, edit, compile, run and debug your 4Test scripts and test plans. This manual refers to the system that runs this program as the host machine or the Silk Test machine.

The Agent

The 4Test Agent is the software process that translates the commands in your 4Test scripts into GUI-specific commands. In order words, it is the Agent that actually drives and monitors the application you are testing. One Agent can run locally on the host machine. In a networked environment, any number of Agents can run on remote machines. This manual refers to the systems that run remote Agents as target machines. This manual refers to the systems that run remote Agents as target machines. In a client/server environment, Silk Test drives the client application by means of an Agent process running on each application’s machine. The application then drives the server just as it always does. Silk Test is also capable of driving the GUI belonging to a server or of directly driving a server database by running scripts that submit SQL statements to the database. These methods o directly manipulating the server application are intended to support testing in which the client application drives the server.

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Surviving Missing Futon Frame Hardware Nightmares

There seems to be quite a few of us who have owned a futon frame and ended up losing the connecting hardware at one time or another. I myself bought a futon from the retail store I worked in for a number of years back in the early 1990s when futons were all the rage. Maybe you purchased your futon in college, purchased it from a friend or maybe made the purchase for a family room. If you're lucky to live out your life in the same house or apartment there will never be a need to move your futon except except to a different room or location. Obtaining replacement futon frame hardware involves several steps approached in order to locate exactly what you need.

In the first place do not panic just yet. Without the hardware to attach everything back together you're in some serious trouble. However there are ways to obtain what you need. At this point we could explain the many benefits of using a small bag to contain the hardware and attach it to a part of the frame with heavy packing tape so it's easily found. Who am I kidding though? I've moved mine now about three times and each time I ended up missing a bolt, a barrel nut, a nylon roller here and there. Heck, I was lucky I had all the wood components show up at each new move let alone any hardware that happened to make it as well. Besides, is not moving your home stressful enough without having to keep track of a small bag of metal hardware among a sea of ​​furniture, clothing, dishes, toys and appliances?

Pursuing this further we must calmly step back and think for a moment. Yes, we're stressed out and fuming at either our spouse or the moving company for losing the futon hardware but we need to move past that now. To be sure the futon needs our help and we're the only ones who can do it at this point. It's time for us to go through the steps of obtaining replacement hardware and there is a specific order in which we do this to obtain the fastest results. I would suggest the following steps to start tracking down replacement hardware as soon as possible.

First – identify your futon frame.
Having worked retail, it's quite possibly the toughest situation when a customer comes into the store requiring assistance but can not identify the product to the salesperson or service individual when requesting parts. Granted you're going to have to do a little research by pulling your receipt when you bought the futon from the store and identify the model or name of the futon. If you inherited the futon, found it by the side of the road or bought it at a garage sale you're in for a tough road ahead. Fear not however as the internet can be used to help you find the design and attach a name to it for use in tracking down hardware. Be aware that there are dozens of manufacturers out there using different hardware in their frames including many that have since closed their doors. Hopefully the manufacturer of your frame is still around.

Second – speak to the retailer.
Of course if you purchased your futon frame through a local retail store it's time to head down there and see if they can track down the hardware for your frame. Bring your receipt. If you do not have a receipt, then bring an image of the futon frame with you. Hopefully the salesperson or service representative is knowledgeable about the products that they've carried in the past. Best case scenario, they either can provide you with the name of the manufacturer with contact information or have the parts on hand to get you back up and running. Worst case scenario the store you purchased it is out of business or if the store is still around they have no clue about the product anymore.

Third – search online.
Supposing we've hit the worse case scenario it's time to use the web to search for the manufacturer or the name of the style of futon you have. I'd suggest using Google, Bing or Yahoo and use the name adding the word futon to the search. If you were not able to locate a name you're going to have to become a very good spotter and sift through the many images of futon frames till you find one that is very close to what you have. Identify the name of the style and the manufacturer and then proceed to locate the manufacturer of the futon frame.

Fourth – speak to the manufacturer.
Assuming the retailer did not have parts but could identify the manufacturer for you then at least have something to go on. Perhaps you were able to locate your frame style through the search engines. Again, search online using the websites previously discussed using the name of the manufacturer. You'll likely get some online retail stores off of the search. Filter them out visually until you find a link for the manufacturer. Most do have websites, locate a contact phone number or email address and contact them for information on obtaining hardware. If you're unable to locate the manufacturer's website go ahead and contact one of the many futon stores that pop-up in the search results and email them with your issue and ask if they can either sell you hardware or point you in the right direction For finding the manufacturer in hopes of tracking down hardware.

Finally – the last resort.
If you were unable to determine the name of the futon frame or the name of the manufacturer you are indeed in a tight spot. At this point your options are limited to heading down to a hardware store and seeing if you can locate some generic parts that might get you back up and running. The problem will be in the way of connecting bolts and barrel nuts and getting the right lengths if available. I would suggest taking one of the wood arms and a stretcher rail with you to the store. Begin plugging in different bolts and nuts till you find a combination that connects correctly. You'll also need to track down connecting pins, washers and clips for the seat and back section as well as the four nylon rollers that most futon frames use on the back rest. If you're lucky these may still be attached to the backrest deck making your job a bit easier.

In conclusion we've discussed the issues presented with lost futon hardware and how to go about tracking down the hardware you need. Basically identify your frame through a receipt or spotting it online. Visit the retailer store you purchased it from and obtain parts through them if they are still open. If you purchased it privately or inherited the frame track down the manufacturer using a search engine of your choice and speak to them about ordering replacements. If you are not able to locate the manufacturer but have found stores online contact one of them to see if they can sell you hardware. If all else fails visit the local hardware store with your wood futon sections in hand and begin trying bolts and nuts till you find some that work. I sincerely hope you're able to obtain the needed hardware to get your futon frame back up and running. I wish you the best of luck to you and your futon.

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How Has Technology Changed Art?

We all are witnessing the changes being made in the art these days. Technology has the power to change anything. It is changing the traditional art into digital art.

Amazing digital art has taken place of traditional art. Digital art is exploring itself in many different ways that one can imagine. Different software is developed to increase the presence of digital art.

Photoshop Artists are one of the most common digital artists who give an amazing look to a picture with the help of imaging software and different applications.

These applications are developed with the help of technology. Anyone can be a digital artist having knowledge and proficiency in Photoshop.

Difference between traditional artists and digital artists is that traditional artists use paint and cement for their art and digital artists use imaging software and applications in their art. Some of the applications have the power to create 3D art work.

Technology has taken art into a new level of creativity. Let us talk about how technology has changed traditional art into digital art. We know that internet is ruling the world with its power. So, artists decided to present their art online with the help of internet. This is possible with use of technology.

You must have seen art galleries and attended painting exhibitions in your life. These doesn’t work well these days so artists find a way where they can get more attention and more praise for their work. Most of the artistic stuff is now seen online and is circulated to the art lovers.

There are some places where exhibitions are held and we do respect them. But presenting paintings, sculptures and art work online is in trend. Some of the artists are also showing their art on the basis of card swipe panel or coins.

How this work – when you enter coins or swipe card in the panel, the panel shows you some of the art work for a few minutes and then gets closed and if you want to see it again or explore more, further you need to swipe your card or add coins into it. This is how artists are using technology.

How digital artists are using technology for their art work

Digital artists already in touch with technology are aware of the systems that are in trend and use them to create their art work and sell them online.

Some of the professional digital artists are earning a lot of bucks by selling their art work. They can also design the ones that you want and are also ready to make any modifications you need.

They use different software to explore their skills and made it more impressive. They are using technologies that offer new ways to express their art work in a realistic way for much more time.

They are using different types of media and mix them to provide a more creative art work. Their 3D art work looks as real as it is present live in front of you.

Technology not only brings changes in education, medical field, industry and business but also brings a huge change in the art work and the artists as well.

Technology opens different paths for the artists to enter into for a good earning. They made their profession more powerful along with their art work.

In our busy lives we hardly get time to meet each other and our loved ones. How can it be possible to see exhibitions and galleries? So technology has brought this change in the art workers to show their skills and talent to people from anywhere in the world.

Technology is getting advanced and making more useful for the common man as well as artists. Technology has provided us with several things that we should be thankful. One of them is digital art work.

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Understanding the Significance of Computer Hardware

We are living in an age that is highly influenced by technology. Most of the activities we need to do now are automatic or computerized. Of all the technological developments achieved in the recent past, one significant tool that got developed and which will certainly keep influencing our lives is the computer. You would agree that computers play a very basic role in our daily life, just like the television and the cell phone. We are already at a stage where life will be difficult without a computer. That makes it important to understand the way a computer works, and then be informed of what we should do if it stops working. The most important part of any computer is its hardware, in the absence of which it just can not function.

If you are really keen to assess what has gone wrong with your computer when it stops working, you should understand the working and constituents of its hardware. You should especially have solid knowledge about the computer hardware when you want to undertake its troubleshooting on your own. One important part of the hardware is the RAM memory of any computer. For running any program or application, any computer needs a RAM memory. Other than that, if the computer has a RAM with specifications that are not compatible with the programs it is expected to run, its operation will be slowed down and it would almost crawl. When choosing a computer, you need to ensure that its hardware is not outdated, otherwise you'll have to upgrade it in order to be able to use the intended program.

You must take certain basic precautions while handling the hardware of computers. The most essential precaution is to ensure that the power supply to your computer is switched off, else it could cause an electric shock. Then, before you touch any part within the computer, ensure that you are not carrying any electric charge by connecting to a grounded piece of metal or you may procure an anti-static mat or wrist band available in the market. While inspecting the hardware components, you should look for broken or damaged component, as these are most likely the reasons for the computer malfunction. If a component does not fit in the slot, you are probably trying to fit it in the incorrect slot.

Once you know the hardware employed in your computer and the role it plays in the functionality of your computer, you'll be in a position to undertake its troubleshooting when it malfunctions. Each piece of hardware contributes to the successful function of the computer. To a large extent, the working of a computer depends on the quality of its hardware, making it imperative to keep it in good condition.

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Pick 3 Lotto Logix – What You Should Know

The primary goal of Lotto Logix is to present informational resources for many individuals who are interested in playing and winning in lottery. Lotto Logix locates and lists the best lottery websites having useful contents for players; determines the best possible methods and strategies for playing at the lowest cost; finding free lottery games and lists the vital factors a player needs for lottery software. If you want to learn about lottery games such as pick 3 Logix provides pertinent information, which may help you in terms of playing, betting, and winning.

Lotto Logix limits its lists of lottery websites into 1 or 2 links so that players can choose efficiently. The websites are grouped according to their functionality in terms of software, results, and information. More so, Lotto Logix provides information of every website including tips, news, articles, freeware, books, statistics, shareware, programs, software, predictions, wheeling systems, and wheels among others. Since Lotto Logix has the objective of winning the lottery, it also provides assistance for players who would want to do the same. It is undeniable that not everyone has answers or solutions to winning in the lottery. Thus, Lotto Logix hopes in bringing methods and strategies to fit into one tool that will effectively lead to lottery winnings.

Although some lottery players do not believe in the usefulness of lottery software for games such as pick 3 Logix believe that it can help in storing, tracking, and charting winning number combinations. Lottery software provides predictions that are useful in choosing numbers to bet. The software can provide 90% accuracy in terms of distribution of numbers as well as the winning numbers since it lets you import your wheeling system. You can wheel all the numbers in you Pick 3, 5, or 6 games as you are allowed to filter number combinations.

In terms of free lotto games, Lotto Logix locates and lists every free online lottery games with legit prizes and uses state drawings for the winning numbers. On the other hand, Lotto Logix does not list all the games specifically if the websites for such games advertise extremely. This is because Lotto Logix thinks that it is much better to separate them from other free online lottery games that do not advertise as much. As such, it plans on establishing a link-farm page specifically for games that employ pay-per-click advertising or those that employ sign-ups in order to cover for the page cost. However, Logix is not very enthusiastic in creating such additional page. This is because most of these kinds of sites have too much demand that seem outrageous or unbelievable for players.

If you want to improve your odds of winning in lottery games such as pick 3 Logix has determined that playing more tickets is the only efficient way. On the other hand, it has also determined that it is more possible for you to win lower tier prizes while waiting to with the grand prize. It is best to establish strategies that allow you to track specific events for possible winnings.

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How to Repair “Runtime Error 481”

The runtime error is one of the most common Windows problems that keep popping up and keeping your system from running smoothly and perfectly, even a small or a single error in the process will leave your system in a knot. This makes it even more important for any user to know how to fix runtime error 481. In order to fix or diagnose the problem correctly everyone should first know what the actual purpose of the runtime processes. It is an integral and essential part of the Windows system details to manage the handling of many services as well as many different software as running on the Windows platform. Since, the file actually handles a lot of information and settings at a time it is very prone to attack by many different viruses, malware and even spyware.

The problems – there can be many different symptoms to the errors related to the runtime process. The symptoms can range from a simple delayed operation of the software to much more complicated system freezes and error messages. This sort of problems may arise from many different factors starting from corruption of the system file due to a virus infection or any other malicious software to defective and invalid system registry entries.

Though the problems are varied but still the answer to the question remains pretty simple.

The solutions – the solution to the runtime error 481 can be many forms, as the problem itself may arise from many different sources. Though it is widely accepted that the most common reason for such errors is a corrupted registry entries but still many tools and software is required to be used in order to properly remove the problem.

  • If the error actually results after installing a new software always make sure to uninstall and reinstall the software to check whether the error was caused by it.
  • Is the process file is corrupted beyond repair it is always safe to replace the file with an original one from any windows XP CD using the system file Checker tool. This can also be achieved from the recovery console is the system has completely crashed due to the error and cannot be started in a normal way.
  • As the most common problems that can give out runtime related errors is widely identified as defective registry entries, it is best recommended that you always check your system with a proper registry cleaner before taking any drastic step.

Even if all of the above methods fail, you always have the option of reinstalling your operating system in order to solve the runtime error 481. Though this may seem the simplest one but the safest and wisest one would be to use a registry cleaner regularly and keep your system clean and healthy.

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Best Windows 7 Optimizer That Can Stabilize and Improve Your Computer Performance

A system optimizer is a software designed to maintain the performance of your computer, fix software related problems and keep your computer stable and secure. The need of a system optimizer software in Microsoft Windows7 operating system is high. This is because Windows 7 itself is unable to maintain all the mentioned aspects without the help of third-party products.

We are going to learn what exactly Windows 7 optimizer software is.

The best Windows 7 optimizer software shall include all the following features:

1. Registry Cleaner to fix the registry related issues

2. System Cleaner to clean unnecessary stuff and free-up the disk space

3. Registry Defragmenter to defrag the system registry

4. Startup Manager to control the programs running when you turn on your computer

5. Backup & Restore feature to restore unfavourable registry changes

“Registry Cleaner” to Fix the Registry Related Issues

Windows Registry is a vital component in Microsoft Windows 7. It contains information stored by your operating system and installed software. For example, the default settings, changes you made to your computer, system information, runtime data, etc. are stored.

Registry Cleaner is a software that finds the junk entries in the registry, and repairs them as far as possible. Unfortunately, Windows 7 does not include a built-in registry cleaner. The registry cleaner software included in the best Windows 7 optimizer lets you scan the genuine registry problems and correct them. It thereby helps avoiding many runtime errors and problems, such as, File Not Found, etc.

“System Cleaner” to Clean Unnecessary Stuff and Free-Up the Disk Space

A System Cleaner software lets you find the files and stuff that have unnecessarily occupied the hard disk space.

The tasks, like installing a program, uninstalling, repairing or updating the existing programs, and even just running the installed programs many times create temporary files, log files that need not be kept after the corresponding operation is performed. Sadly, many programs do not itself delete such files and stuff and thus your hard disk space is used for such unproductive stuff. Using a system cleaner software included in best Windows 7 optimizer, you can easily and safely delete such temporary stuff.

“Registry Defragmenter” to Defrag the System Registry

You know the importance of the registry in Windows 7 operating system, as already discussed. The continuous access of a number of programs to the registry results in its fragmentation. It reduces the system performance and freezes your computer.

The best Windows 7 optimizer software includes a registry defragmenter that enables analyzing the registry fragmentation and afterwards defrags it. A reboot is required to perform this process and all other running programs and services must be terminated.

“Startup Manager” to Control the Programs when you Turn on your Computer

Running too many programs at the Windows startup, results in system freezing and slow performance. A Startup Manager, included in best Windows 7 optimizer, lets you monitor and control the programs that run each time your computer is started. It lets you disable or delete the unwanted program entries and enable only those who are necessary.

Backup & Restore Feature to Restore the Unfavourable Registry

While doing all the above steps, care must be taken that you have followed some precautionary measures first, so that any unfavourable registry change can be later restored and unwilling situations can be easily avoided. The best Windows 7 optimizer should include such a feature.

Best Windows 7 Optimizer Recommended by Worldwide Experts

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Computer Hardware Course – The Advantages of Taking It

Computer hardware courses are an excellent way to learn how to manage the inevitable computer failures that you will encounter as you find yourself hanging on your computer more and more everyday. While you do have the option of taking your computer to the service center it can cost you a lot of time and money. Your computer hardware course is invaluable for helping you understand the hardware requirements for your computer that will be enable you to jump to the rescue instead of trudging along to the repair shop.

It does not take an engineer or a technician to be successful in learning about computer hardware. If you are interested in engineering or technician positions however, a background in computer hardware can make you a far more valuable person in your field and can enhance your employability tremendously.

To troubleshoot your computer you can do very well with a simple computer hardware course. You can become your own specialist and forgo spending the money on an IT specialist.

The time invested in a computer hardware study program will pay off quickly when things go wrong. But, this is not the only reason taking a computer hardware course would be a good plan.

Not only will you be able to fix your computer, but you will have the knowledge to build a computer from scratch. The cost of computer parts is often far less expensive than buying a pre-made package. You will also be able to customize your computer so that it is perfectly designed for your needs.

By avoiding the cost of labor from the computer store you will have a far less expensive computer that is perfect for you. You will also no longer need to worry about taking your computer in for repairs as you will know just how to fix what goes wrong.

Computer knowledge is in high demand no matter what career you are involved in. With the information you learn in a computer hardware course you will be able to take on an IT position. Such positions are in high demand as a limited number of people have the knowledge to take on an IT role.

The time needed to take a computer hardware course is well worth the investment. Learning about software and programming can only make you even better with your computer goals. If you are limited in time, not to worry. Many courses are available online or on CD for you to do at home.

Take some time to discover exactly what will be covered in your course. The computer technology field is huge, so you will need to focus. You will never be able to learn everything about computer hardware in a single course. It takes a lifetime of study to learn, and with technology constantly changing you will need to continuously work on keeping your knowledge up to date. A computer hardware course will bring you a chance to get ahead of the game and keep up with your own computer.

Louis Zhang, computerhardwarecute dot com

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Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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