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.

New Service Providers added to Point

September 5, 2013
Jenny Harlowe

Jenny Harlowe

Today we welcome two new service providers to the Interfaces and Services menus in Point. Your options for verifications and appraisals have increased with the additions of TRV Services (a division of NCS) and Appraisal Logistics.

TRV® Services is a division of National Credit-reporting System. NCS, founded in 1978, is a full-service, consumer-reporting agency specializing in income, identity and credit intelligence. TRV Services offers concise ability-to-repay insight through customizable reports based on data obtained with the IRS’ 4506-T form.  NCS has an industry leading acceptance rate of 92% for the 4506-T forms it submits to the IRS on behalf its clients, and continues to develop new ways for those clients to close more loans while efficiently meeting evolving compliance requirements. TRV Services can be found at Services > Verifications > TRV Services.

Appraisal Logistics is a leading provider in compliance risk management for appraisal independence. With a team of industry experts and a nationwide network of highly qualified and trusted appraisers, Appraisal Logistics provides immediate and exceptional service to regional and community banks and standalone mortgage originators to ensure each appraisal is compliant in a customized, customer-focused environment. It is designed for effective communications, data transfer and storage, with the redundancy and high availability the banking industry require. Appraisal Logistics can be found at Interfaces > Appraisal Services > Appraisal Logistics.

NYLX is now LoanLogics, Inc. and can be found at Interfaces > Product and Pricing > LoanLogics, Inc.

Close more loans faster using vendors in Point. Stay informed of new service providers added to your Point software on our blog or sign up for informative emails from Calyx Software at

Get to know us

August 27, 2013
BJ Bounds

BJ Bounds

As the summer winds down and the kids are back in school, we expect a typical reduction in business, right?  Well, you wouldn’t know it by our schedule!

September is one of our busiest show months.  We’re working hard to hit a lot of shows from coast to coast so we can meet as many of you as possible.  This is a great opportunity for us to get some face-time with our current and future clients so we can hear your concerns and feedback.  Plus we love to talk about what we’re doing and what’s coming out next!

We hope you’re planning to take advantage of our industry’s down-time to recharge and re-educate at any number of industry events happening in September.  If you do, please stop by and visit.  You can see where we’re going to be in tomorrow’s newsletter or on our Events page.

If you’re not receiving our newsletter, you can sign up to receive it here.  Or if you’d like to receive even more Calyx news and announcements—such as product releases and updates— you can sign up here

I’ll remind you again later this week but just in case you didn’t know, we’re going to be closed on Monday for Labor Day!

Enjoy the rest of your week!


You can’t be too prepared…

August 13, 2013
BJ Bounds

BJ Bounds

This coming January 10 is not just another cold day in January.  This day, the effective date of the Ability-to-Repay/Qualified Mortgage (QM) rule, can potentially change the way every mortgage professional does business.  QM is not just about GSEs; if you’re selling a loan after January10, it must be QM and it should be Safe-Harbor.

You’ll need your system and processes in place to ensure you know what a QM looks like and that your loans are—and will be—QM.  Are you ready?

 You can be.

With Point 9.0, just released last week, we have provided Calyx clients with the tools they need to assure QM and Safe-Harbor.  The QM button, located at the bottom of several Point screens, can produce a QM Findings Report in seconds with QM determinations as well as Safe Harbor/Rebuttable Presumption determinations.

Each findings report documents QM Points and Fees, QM Qual Rate and DTI, and provides detailed QM messaging.  Reports can be run multiple times throughout the loan process to ensure compliance at every step.  Each report—clearly user and date stamped—is stored in Point’s document management system so that you retain evidence of compliance for the required 3 years and defend your files in audits, buybacks or lawsuits.

 Don’t wait to find out if you’re prepared for the QM rule.  Get Point 9.0 today and start testing your files for QM status. Call 800-362-2599.

Get 9.0 in two days!

August 6, 2013
BJ Bounds

BJ Bounds

Point 9.0 is being released in just two days!  MyCalyx admins can push 9.0 to users when it becomes available on August 8.

We’ve stepped up to the plate for CFPB’s QM compliance for you.  With 9.0. you can learn in seconds whether your loan is considered QM or not—and why.  It’s not rocket science with Point’s exclusive QM button.

The QM button renders a findings report based on available data and gives you the information you need to proceed with each loan.  You won’t find this functionality anywhere else.

Point 9.0 is also packed with other updates to screens and calculations.  Call your account manager at 800-362-2599 to make sure you’re current and look for 9.0 soon!

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!