Michael J Devito

US Patent:

20040167850, Aug 26, 2004

Filed:

Feb 27, 2004

Appl. No.:

10/788919

Inventors:

Geoffery Dreyer - West Des Moines IA, US
Mark Oman - West Des Moines IA, US
Robert Caruso - Charlotte NC, US
Steven Bulmer - Apple Valley MN, US
Eric Malchodi - Apple Valley MN, US
Michael DeVito - Urbandale IA, US
Nancy Brennan - New York NY, US
Michael Heid - Urbandale IA, US
Timothy O'Brien - Charlotte NC, US

Assignee:

Wells Fargo Home Mortgage, Inc. - Des Moines IA

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.

US Patent:

20080027845, Jan 31, 2008

Filed:

Oct 11, 2007

Appl. No.:

11/870519

Inventors:

Geoffery Dreyer - West Des Moines IA, US
Mark Oman - West Des Moines IA, US
Robert Caruso - Charlotte NC, US
Steven Bulmer - Apple Valley MN, US
Eric Malchodi - Apple Valley MN, US
Michael DeVito - Eagan MN, US
Nancy Brennan - New York NY, US
Michael Heid - Urbandale IA, US
Timothy O'Brien - Charlotte NC, US

International Classification:

G06Q 40/00
G06Q 90/00

US Classification:

705035000

Abstract:

A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.

US Patent:

20040064402, Apr 1, 2004

Filed:

Sep 27, 2002

Appl. No.:

10/259116

Inventors:

Geoffery Dreyer - West Des Moines IA, US
Mark Oman - West Des Moines IA, US
Robert Caruso - Charlotte NC, US
Steven Bulmer - Apple Valley MN, US
Eric Malchodi - Apple Valley MN, US
Michael DeVito - Eagan MN, US
Nancy Brennan - New York NY, US
Michael Heid - Urbandale IA, US
Timothy O'Brien - Charlotte NC, US

Assignee:

Wells Fargo Home Mortgage, Inc. - Des Moines IA

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.