Kevin R Montgomery

US Patent:

7865429, Jan 4, 2011

Filed:

Dec 13, 2007

Appl. No.:

11/955514

Inventors:

Eric Telljohann - Charlotte NC, US
Gina M. Turpin - Elverta CA, US
Julie Pietras - Charlotte NC, US
Kevin Montgomery - Matthews NC, US
Laura Kneavel - Cary NC, US
Pat Mooney - San Francisco CA, US
Aditya Bhasin - Charlotte NC, US
Neelu Burugapalli - Stanley NC, US
Richard Bramhall - Charlotte NC, US
Danny J. Adkins - Davidson NC, US
Loren Bennett - Dallas TX, US
Rachel Nemecek - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

A bundled mortgage package which includes several different features into a mortgage package, so that the process of actually obtaining a mortgage from a lender can be easier because the borrower's worries of the fees, charges, and other costs can be reduced or altogether eliminated since such fees charges and other costs may be combined, waived or otherwise resolved for the borrower is described. The lender may waive all lender fees, pay all 3party fees, and not require a lender's title policy. The lender may use the owner's title policy as the sole title insurance. A lender may not require mortgage insurance, waive fees associated with programs for borrower protection for involuntary unemployment or accidental death, guarantee that the loan will close within a certain period of time where the lender pays the borrower money if the loan doesn't close within the certain time period.

US Patent:

20150379849, Dec 31, 2015

Filed:

Sep 2, 2015

Appl. No.:

14/843295

Inventors:

- Blue Springs MO, US
Gary Bond - Maitland FL, US
Paul Kohne - Oak Grove MO, US
Shawn Thompson - Independence MO, US
Kevin Montgomery - Lee's Summit MO, US
Sean Titus - Independence MO, US

International Classification:

G08B 21/02
H04R 27/00

Abstract:

An emergency communication system that is capable of broadcasting a live message to a specific zone of a protected structure, recording the live transmission, and repeating the recorded message to the same protected zone. In certain embodiments configured to protect multiple zones, the system further permits broadcast of a second live message to another zone of the structure, recording the second live broadcast, and repeating the second recorded message in the same zone to which the message was broadcast live. The system includes hardware such as a processing element and speaker assemblies and a computer program for instructing the processing element to carry out the transmission, recording, and re-broadcasting of messages through the speaker assemblies.