Ask A Stupid Question Day!

September 27, 2013
BJ Bounds

BJ Bounds

Have you ever been told that there are no stupid questions?  Well I think there actually are.

But rather than focus on stupid questions, like perhaps “Who composed Beethoven’s 5th symphony,” I would like to focus on the questions that are so mind bogglingly (is that a word?) simple, yet we don’t think about them until somebody asks them—and then we can’t come up for a good answer!

For this I’d like to bring in some quotes from George Carlin.  Here are some of his thought-provoking questions:

  1. Instead of talking to your plants, if you yelled at them would they still grow, only to be troubled and insecure?
  2. What’s another word for synonym?
  3. Isn’t it a bit unnerving that doctors call what they do: ‘practice’?
  4. When sign makers go on strike, is anything written on their signs?
  5. Why isn’t there mouse-flavored cat food?
  6. Why do they report power outages on TV?
  7. What should you do when you see an endangered animal that is eating an endangered plant?
  8. If a turtle loses his shell, is it naked or homeless?
  9. Why don’t sheep shrink when it rains?
  10. Should vegetarians eat animal crackers?

I hope you enjoyed these as much as I do.  Make sure you check in next week to catch some exciting Calyx news!

Can’t figure it out?

September 24, 2013
BJ Bounds

BJ Bounds

We’re here to help.

Calyx is proud to offer free technical support to all of our current customers.  We don’t limit support to particular accounts or even to the number of users that can call from each account.  Free is free to all users of current accounts.  This applies to phone support, emails, online message boards, even our social media pages.   Support for our products is available at 800-342-2599 beginning at 8am through 7pm Central (depending on the product). Emails sent to are answered during business hours as well.

But if technical support isn’t quite enough—for instance maybe you’re upgrading to PointCentral or Path and need additional help getting set up beyond the typical installation, or maybe you have a whole new team you want to bring up to speed at the same time— we have experts who can help.

Our team of professional consultants have years of industry experience and in-depth knowledge of our software.  They can help you get set up and running smoothly in no time.  Whether you need personal online support or an in-house consultation, you can get what you need from Calyx Professional Services.  Just call 800-362-2599 to get your customized program started.

In the meantime, you and all of your users can participate in our many scheduled online training sessions designed to make you a super-user of our software and get efficient—fast!  Take as many classes as you need—as many times as you want.  Our online training sessions are also free to all users of current accounts.  Just visit our Schedule and sign up for the next available class!   You can also check out our Knowledge Base for helpful tips and tricks.

We appreciate our users and want to make sure you feel confident that your software is helping your loan processes run smoothly and efficiently.  Let us help.

Are you ready for QM?

September 19, 2013
BJ Bounds

BJ Bounds

If you’re on Point 9.0, you’re getting there. With the new “QM button” you can run a QM determination on your loans in seconds.

With that determination, you will instantly know the QM type and the liability protection level based on the available loan data.  You also get Points & Fees assessments with all fees detailed and explained as well as the QM Qual Rate.  And perhaps the best part?  You get comprehensive evidence of compliance with every report you run—and you’ll want to run a report at each stage of the loan process.

If you know now if you’re producing QM loans, the January 10th deadline will be just another day for you.  Get your business in shape before the end of the year and you’ll be ahead of your competition.

If you need to update your Point loan origination software to Version 9.0, call your account manager today at 800-362-2599.

August Calyx Network Update

August 2, 2013
Jessica Thompson

Jessica Thompson

The August Interface Update took place Monday, August 1st. As a result, you’ll see two new services within your Point® software.

Ticor Title Insurance has been a force in the title insurance market since 1893 and continues its tradition of extraordinary customer service with a rock-solid financial foundation. Ticor is a subsidiary of the Fidelity National Title Group. Agency Services are provided by sole proprietors and attorneys to large multi-partner law firms and multi-state corporate entities who issue title assurances and perform real estate closing services on behalf of Fidelity. “Caring is our Competitive edge”

Find Ticor Title under Title and Escrow Services in the Services menu. Visit for more information.

Wolters Kluwer Financial Services’ Flood Determination sets the industry standard in providing the most accurate, efficient flood hazard determinations at the lowest possible price. Because their team is comprised of former bankers, regulators, and industry consultants, they possess the necessary expertise to provide you with compliant, accurate flood certifications.  With one of the highest auto-complete rates in the industry, the majority of our orders are returned in seconds. If a property requires manual research, orders are most often completed in a matter of hours.  Whether complying with regulatory requirements, addressing a single key risk, or working toward a holistic risk management strategy, more than 15,000 customers worldwide count on Wolters Kluwer Financial Services for a comprehensive and dynamic view of risk management and compliance. Wolters Kluwer Financial Services provides audit, risk, finance and compliance solutions that help financial organizations improve efficiency and effectiveness across their enterprise. With more than 30 offices in 20 countries, the company’s prominent brands include: Bankers Systems, ComplianceOne®, Expere® and VMP® Mortgage Solutions. Wolters Kluwer Financial Services is part of Wolters Kluwer, a leading global information services and solutions provider with annual revenues of (2012) €3.6 billion ($4.6 billion) and approximately 19,000 employees worldwide.

Find Wolters Kluwer under Flood Certification Services in the Services menu. Visit for more information.

Remember, we add new service providers to our software regularly. This enables you to have the tools you need to succeed right at your fingertips. Be on the lookout for more blogs about new Interfaces in Point!

Are you ready for January 10th?

July 16, 2013
BJ Bounds

BJ Bounds

The CFPB issued its final ruling on the Ability to Repay/Qualified Mortgage rule at the end of May.  While the rule has been amended to address some concerns, a lot of questions still remain.  One thing hasn’t changed, however, and that’s the effective date of January 10th, 2014.

If you haven’t kept up with the regulatory changes, you can see the final rule for details or read the latest press release. The Ability-to-Repay rule established basic requirements that protect consumers from taking on loans they cannot afford. Lenders comply with the Ability-to-Repay rule by ensuring that each loan is a “Qualified Mortgage” (QM) which meets the particular requirements specified by the CFPB.

That means you have to know all the parameters and evaluate each of your loans to determine whether they meet the QM standards…or do you?

When Point 9.0 is released in just a few short weeks, you’ll be able to see just what Calyx is doing to help you with QM compliance.  We’re ready for 2014 and we’re going to make sure you’re ready, too. 

 Keep following us here to learn more details about Point 9.0’s solution to QM compliance.

You’ll need to make sure your account is current to 9.0 when it launches in August.  Call your account manager today at 800-362-2599 so that you don’t’ miss this stand-out release.

July Calyx Network Update

July 2, 2013
Jessica Thompson

Jessica Thompson

The July Interface Update took place Monday, July 1st. As a result, you’ll see two new services within your Point® software.

Closeline Settlements located under Title and Escrow Services in the Services menu is now available in Point version 7.5 and higher. Closeline Settlements is a full service, nationwide title company licensed in more than 40 states and known nationally for quality service and the ability to handle a large volume of deals at any given time. They close residential refinance and purchase transactions, FHA and VA loans, foreclosures and short sales, reverse mortgages, and commercial properties.

Find Closeline Settlements under Title and Escrow in the Services menu. Visit for more information.

ValuTrust Solutions, LLC located under Appraisal Services in the Interfaces menu is now available in Point version 7.5 and higher. ValuTrust Solutions, LLC, a privately owned technology development and services company, serves residential lenders throughout the United States. Their proprietary technology integrates with clients’ loan origination systems, allowing automated management of every lending activity, from appraisal management and collateral review through closing. Loan ordering accuracy and productivity go up, and clients are assured of full compliance with relevant government regulations. ValuTrust pulls together all the relevant players – its clients, vendors and client service team – to manage every aspect of a loan through a common interface, seamlessly and in real time.  The ValuTrust management team has more than 30 years of experience in the mortgage industry and brings a passion for exemplary customer service and technology.

Find ValuTrust Solutions, LLC under Appraisal Solutions in the Services menu. Visit for more information.

Remember, we add new service providers to our software regularly. This enables you to have the tools you need to succeed right at your fingertips. Be on the lookout for more blogs about new Interfaces in Point!

Path joins Point and PointCentral in the Calyx line-up!

May 15, 2013
BJ Bounds

BJ Bounds

Last month we were excited to introduce Path™ to the market at MBA Tech in Florida.  We held special showings to demonstrate its capabilities and unique functionality to lenders at the conference.

Path is our newest cloud based platform designed for retail and wholesale lenders.  Its configurable architecture is unique to the market and we’re thrilled to offer this much-needed feature in Path.

Path does not replace Point® or PointCentral®. We’re proud that Point has served our loyal customers for over 20 years and will continue to support them with the features and functions that they require as the industry evolves.

Path was designed specifically for the needs of lenders and will import both Point files and Fannie Mae 3.2 files for processing. The pipeline view for each user is configured by role, so users only see what they need to see to do their job. Here are just a few more of the features in Path:

  • A unique role-based workflow
  • 100% web-based accessibility that runs on the most-popular browsers (Google Chrome™ Safari®, Firefox®, Internet Explorer®, etc.)
  • Customer-owned and controlled data on the Microsoft Azure™ cloud platform
  • Configurable operating units  user groups that mirror each client’s organizational structure

Find out if Path is right for you.  See more at or call your account manager at 800-362-2599 for details.