Website Instruction Center

We focus on giving you superior customer service. If you have a question, give us a call and most likely we will pick up the phone and help you.


Instruction Center

The instruction center is designed to help you manage and setup your mortgage web site. Within these instructions you will see quite frequently. We use that expression to note your web site address. For example: if your web address is, if you see somewhere in the instructions that denotes, it is really saying Important: if you haven't changed your admin temporary password yet please do so asap. You can do this by going to

On the left you will find topics that you can get additional help on. We have tried to make the instructions as user friendly as possible.

If you need additional help you can email us at .

Change Temporary Admin Password

It is very important that you change your temporary password.

How to change your temporary admin password:

  • Login to the admin control panel by going to

  • Enter your temporary user and password that was emailed to you

  • Click the change admin account link

  • Enter a new user name and password that is easy for you to remember but hard for someone to guess. Make sure you save this information in a place that you can retrieve it if needed.

Now you can login to the admin control panel at using your new user and password.

The admin control panel gives you access to:

  • Create and delete email addresses.

  • Change passwords of email accounts.

  • Manage the loan officers that appear in a drop down box on your secure 1003 application.

  • Manage the email notifications when a secure application is filled out.

  • Manage meta tags and titles of your website.

Due to responsive nature of our websites that contain complex html coding we do not have content editor available through Admin cpntrol panel. Any content or graphic changes please send to us via email. If you have any questions you can email us at or call 630-552-0677.

If you haven't done so already we strongly urge you to change your temporary admin cp password. This can be done in your admin cp by clicking "Change admin account Password". if you are not sure how to do it, see our instructions my going to "Change temporary admin password" tab in the Navigation section of this page.

Create Email Accounts

Create an email account or a forwarding only email account. The difference between the two is that an email account is its own distinct email address. Forwarding email is not it's own account and only forwards maill to a designated email address. For example, you can create to forward to your yahoo email address. We recommend you create your own accounts and not to many forward accounts. Because it is more professional to send email from your domain address and not a Yahoo address(for example).

To create an email account:

  • Login to the admin control panel by going to

  • Enter the admin user id and password you created.

  • Click the manage email accounts and passwords link.

  • Click "add" button under Email Maintenance to create a new email address

  • Check Type - Normal

  • Enter a password. We suggest a password that is at least 6 digits.

  • Click create.

Once an email account has been created you will need to setup access to it.

To create an email forward account:

  • Login to the admin control panel by going to

  • Enter the admin user id and password you created.

  • Click the manage email accounts link.

  • Click add to create a new email address

  • Check Type - Forward

  • Enter the new email name you want to setup as a forwarder

  • Enter the email address you want the new email forwarded to.

  • Click create.

Email accounts are set up with a 50 mb limit. If you need additional help you can email us at .

How to Access Newly Created Email Accounts

Email accounts can be accessed several ways:

  • You can access your email via a browser (Internet Explorer etc.), using webmail

  • You can access your email via Outlook, Outlook Express or other email retrieval software.

The easiest way to retrieve your email is via webmail. This can be done by going to You will then be prompted for your email name and password that you created. While using webmail is easy, it is far less powerful and runs slower then using email retrieval software like Outlook. It becomes even more cumbersome when you need to look at more then one email account. For example: if you need to check 3 different email addresses, you will need to log in to them separately.

Using email retrieval software like Outlook is the preferred method for retrieving emails. Some of the main benefits include:

  • You will have one place to check all of your email addresses. You can check 10 different email addresses at one place. Nothing is worse then going to 3 different places to check 3 different email addresses. This way you can check your main email address and a new less used email address at one place.

  • It stores all email messages, sent or received on your hard drive. With today's hard drive sizes you can store years of emails without making a dent on your hard drive. So if you want to lookup an email you sent 3 years ago, no problem.

There are many makers of email retrieval software. One of the most popular is Outlook Express, because it is pre installed on most windows based computers. We will give you the instruction link to setup Outlook Express. However, you can use any email retrieval software you like. The link below will take you to Microsoft Outlook email setup instructions.

Information you will need to setup your email in Outlook software:
Server Type POP3
Incoming mail server:
Outgoing Smtp mail server:
User Account full email address that you created not just the first part of it.
Password password that you created

Make sure that the outgoing server is authenticated.
See image below for manual settings (incoming and outoging port numbers)

email manual settings

If you need additional help you can email us at

Manage Loan Officers Listed on Secure 1003 Application

When a customer visits your site and fills out an online application they can select a loan officer from a drop down list that they are working with. Once the customer starts filling out the application an email will be sent to the loan officer to notify them that someone has begun filling out an application.

Several things need to be done for the above scenario to work. By default there is no drop down box to select additional loan officers. We setup the application to work only with the person who contacted us to setup a web site. However, additional loan officers can be added to the application with the admin control panel. Once there are 2 loan officers, the drop down appears on the first page of the apply online and get pre-qualified. Also, when there is more than one loan officer a "none" choice is available. If someone selects none the email notification will be sent to the primary account.

To add additional loan officers login to your admin control panel at Then do the following:

  • Click the manage loan officers link

  • You should see one account that was initially setup for you, click the add button

  • In the Name Field put the name of the loan officer as you would like it displayed in the drop down

  • For login use the loan officers email address

  • For password create a password for the loan officer. Important: Use a password of at least 7 digits and make sure to tell the loan officer in person what his login and password are. Email is not a secure form of communication. Your clients are trusting you with there social security numbers and other classified information.

  • Finally, select the email address where the loan officer should receive their notifications.

Remember that the primary account is where the email notification will be sent when someone selects none.

If you need additional help you can email us at .

Access and Download 1003 Application into Calyx Point and other LOS software

When someone visits your web site and fills out an online secure 1003 application, you will be notified by email. Also, when someone completes an application you will be notified. Within the email you will see a link that you can login to view or download the application. You can also login manually by going to

When someone visits your site, that person can choose a loan officer (if you have more than one) that they are working with or they can choose none. The email notification will be directed to the person that they picked. If you need additional loan officer’s setup, please see Manage loan officers listed on secure 1003 application.

We went through great lengths to make this importable 1003 application as secure as possible. Unfortunately email is not secure. So make sure that when you setup additional loan officers that you tell them their login and passwords in person or over the phone.

Go to and enter your login (usually email address) and password. You will then be taken to a control panel where you can view all applications that have been filled out and directed to the loan officer you are logged in as. The date next to the applicants name is the last time they logged in to their account. If there is an “*” next to their name, that means they filled out a short application. You can view the information, delete or download into your LOS software.

How to download into Calyx Point

Click the download button and pop up box will appear, click save. Then you will need to select a place to save the application (work folder or my documents etc.). Important: Don’t save the file to your desktop. The file is saved as a Fannie Mae 3.2 file format. You can import the information into Calyx Point for example by doing the following. Create a new prospect and a new file. Then click “file”, “import from” and select “Fannie Mae 3.2” (could vary depending on versions of Point) then find the file you imported and you should see the information. Try going to your site and fill in a sample application to test it.


Click the download button and pop up box will appear, click save. Then you will need to select a place to save the application (work folder or my documents etc.). Important: Don’t save the file to your desktop. The file is saved as a Fannie Mae 3.2 file format. Access the 3.2 import feature from: loan selection panel -> Access menu -> Fannie Mae

Other Software

Click the download button and pop up box will appear, click save. Then you will need to select a place to save the application (work folder or my documents etc.). Important: Don’t save the file to your desktop. The file is saved as a Fannie Mae 3.2 file format. Import the fannie mae file into your LOS software.

If you need additional help you can email us at .

Make sure you hover over the video and click the quality (HD) to 720p in the bottom right corner and go full screen by clicking full screen in the bottom right corner.

Change the way your rates and closing costs are displayed.

The rates and closing costs can be configured to reflect your own rates and closing costs. To configure them, login to your admin panel and click Manage rates.

Manage rate source
Currently, you can use Wells Fargo, Provident Funding wholesale rates, manually enter your own rates, or use a combination. To do any of these click Manage rate sources. If you would like to use Wells Fargo rates then put a check in front of Wells Fargo (even if you don't use Wells Fargo as a lender you can use their rates. they can be tweaked). If you would like to enter your rates manually, put a check in front of Manual. If you would like to use a combination then check off both. For example, lets say that you have a lender who gives you a lower rate on an interest only loan. You could use the Wells option for every loan type except the interest only loan that you enter yourself. If you choose more than one rate source the rate engine will display the source with the lowest rate.

Manage Closing Costs
Within the manage the closing costs you will be able to enter your closing costs. You can enter an origination fee if you like. However, you will be able to put a profit margin(yield spread) on the back end as well if you like within the profit margin link. Within this screen you can decide what you want visible, amounts, how to group, and whether they are included in the APR. You can play around with it and go to your site and see how they are displayed. You can choose a flat fee or a percentage to determine the fee. You can add closing cost adjuster rules by clicking the Closing Cost Adjusters link. The rules allow for more advanced setup of closing costs. Using the Closing Cost Adjusters link will work better for setting up title insurance costs.

Manage Profit Margins
The rates brought in from Wells Fargo and Provident are wholesale rates so you may want to setup a profit margin(yield spread) to reflect your retail rates. Of course you could show wholesale rates and ass an origination fee as a closing cost. You could also add a back end profit margin and an origination fee. By default a 1% profit margin is used. You can setup either a percentage or flat rate fee. Also, you can use different profit margins for different loan types. If you are entering your rates manually, you can enter your wholesale rates and let the profit margins adjust them. If you don't want a particular loan program to show up, add a 99% profit margin for that loan program and it will not show up on the rates page.

Manage rate limits
When you run the rate engine you will notice that there are several rates given for each loan product. This section allows you to filter what rates are show based on the points. For example, You may see a rate that can be bought down by paying 4 points. This section allows you to create the cutoff points. You could enter a 2 for the upper limit and it won't show any discount point rates above 2 points. The same example apply's for rebate points. You could make the lower limit 0 and it won't show rebate points.

Manage Home Page Rate Criteria
By default the rates banner that shows the rates every pages shows a very low rate. That is because by default the rates banner shows the rates with a 3 point buy down. If you like showing really low rates this will work for you. If you would like to show rates closer to par then this would be where you would do it.

Rate Adjusters
We will add the rate adjusters for Provident and Wells. However, if you want to make additional adjusters you can do that here. Essentially you can make unlimited rules. For example, you could add .5 points for loans between 0 - $100,000 if you want to make more on a low loan amount.

Closing Cost Adjusters
Here you can create unlimited closing cost adjuster rules. For example, for title insurance you could create a rule if a loan amount is between $100,000 - $150,000 the cost is $500 and so on.

Rate Side Panel
Once you run the rate engine the rates are displayed. To the right of the rates there is a side panel. Clicking the Rate Side Panel allows you to eliminate some of the selections available. It also allows you to change the states that show up in the drop box.

Manage Manual Rates
Whether you just enter your rates exclusively or use a combination of your own rates and Wells this is where you would enter your own rates. The rate engine will not show credit points past 1 point and will not show buy down points past 3 points. You can enter 0 for a rate and it will not show up on the rates page. So enter a 0 next to any rates you don't want shown. You can scroll down to the bottom and add custom rates.

If you need additional help you can email us at .