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Reissuing Credit in DU
To reissue an existing credit report, enter your Credit Report Reference Number. If this field is left blank, a new credit report will be pulled.

Vendor of the Month
In today's market, more and more appraisals are being challenged (especially in refinance transactions). Market valuations have dropped in many regions, so having accurate property evaluations is critical. Online automated property valuations are available via eMagic through FIS Data Services, a division of Fidelity National Information Services, providing you access to updated public records all across the nation. If you plan to use this service as your final indicator of property value, contact your investor to verify that this option meets their property valuation reporting requirements.

See how to sign up for Property Valuation within eMagic.

Puzzle Winner Announced
Mark McClary from Citizen Bank in Shelburne, VT, won a basket of eMagic goodies for filling out the survey in the November News & Views. His favorite color is green. They say geniuses pick green.

Resolutions and Suggestions!
Have you thought about your New Year's resolutions yet? Tell us what yours are, as well as what you'd like to see in future News & Views. (We just might add your suggestions to OUR New Year's resolutions!) Tell us what you resolutions are before Friday, December 28th to be included in a drawing for a basket of eMagic surprises.

Editor: Gretchen Theisen
Writer: Tyler Gaskill
Designer: Heidi Roberts

We welcome your ideas! feedback@emagic.com

News & Views is a monthly publication of eMagic, an MGIC company. This newsletter is designed to keep you informed of eMagic technology platform enhancements and mortgage industry news that you can use.

eMagic®, and Everything. Made simple.™ are trademarks; and Trio^SM is a service mark of eMagic.com, LLC, an MGIC company. DO Express is a service accessing Desktop Originator®, a registered trademark of Fannie Mae. DU Express is a service accessing Desktop Underwriter®, a registered trademark of Fannie Mae. LP.com is a service accessing Loan Prospector®, a registered trademark of Freddie Mac.

Helping You Help Yourself
Security Questions Create Convenience
Having a gas station attendant pump your gas was normal at one time. Full service seemed worth it. You could sit in the comfort of your car and watch someone else wrestle with the gas pump.

Gas stations evolved and people figured out waiting for someone else to do it for you isn’t always convenient. Pumping your own gas can be quicker, and strangely empowering.

Now, eMagic, like the fuel business, is giving you more of what you want - convenience. After December 15th, if you have a unique e-mail address, you'll be prompted to choose security questions which will be used whenever you forget your login ID or password, or if you’re locked out of eMagic. This new feature adds convenience to accessing your account because now there's another option besides calling customer service. Once you've selected the questions and answers, they will be asked any time you can't remember your login ID or are locked out of eMagic.

Make sure your e-mail address is unique. If you're sharing an e-mail address with another user, you might not have access to the address listed in your profile. In other words, you wouldn't have access to updates to your login ID and password being e-mailed or the ability to reset your login credentials online. To avoid this, you need to update your e-mail address to make sure it's unique. To do this: log into eMagic, access the My Profile screen, and update your e-mail address.

Don't put someone else in control of your work schedule. Help yourself to more convenient options and choose your security questions.

Survey Results
Here are the survey results from last month's News & Views:

Did You Know?
Have you ever explained various loan scenarios to a borrower only to be met with a confused stare? You had him follow along as you calculated each loan scenario and explained the pros and cons of each. Still, the borrower only scratched his head and asked, "Can't you just show me a summary of loans side-by-side, so I can see the differences?" Now you can answer, "Yes, eMagic can do that." Using eMagic's MI Mortgage Options Calculator, you can calculate, present and explain different mortgage loan scenarios side-by-side with the borrower.

You can also use the calculators to explore MI as an option to your borrower(s). Calculators provide a quick and easy way to evaluate financing options to best meet your customer's needs. You can even e-mail the results in a professional format to your customers directly from the calculator. Never receive a confused look again.

Check out what the calculator looks like!