Lien Alert™
Stay informed of changes that could impact the collateral supporting your loans
Receive early notifications of critical property-related events using Lien Alert™, an efficient, cost-effective portfolio-monitoring solution. Lien Alert provides advance warning of status changes on the collateral supporting your loans so you can respond more quickly to competitive pressures, take advantage of lead opportunities and proactively manage risk.
Why use Lien Alert?
Flexible and customizable
With Lien Alert, you can select the alert frequency – ad hoc or ongoing – and monitor an entire portfolio or individual loans.
Comprehensive coverage
Lien Alert leverages our nationwide, industry-leading data assets, including robust listing data and public records information covering 99.99% of the U.S. population.
Exceptional quality and reliable information
As a leading data aggregator, we’re able to apply stringent quality control measures so you can be confident the alerts you receive are based on reliable information.
Unmatched in the industry
No other monitoring solution can match the combination of Lien Alert’s spectrum of alerts, breadth of data, product flexibility and delivery choices.
Up-to-date
We refresh our data on a daily basis, which means the alerts are based on the most current information available.
Lien Alert leverages our comprehensive, up-to-date and exceptional quality data to monitor for specific events on the loans in your portfolio
Lien Alert will quickly let you know when any of the following occurs:
- New mortgages recorded
- Default and foreclosure activity
- Bankruptcy
- Payment shock due to ARM resets
- Lien-status changes
- Ownership and occupancy changes
- MLS listing
- Involuntary liens and judgments
Several delivery options are available to meet your business needs:
- On demand: Easy-to-use web portal that offers on-demand monitoring of single properties
- Match and append: One-time analysis of multiple properties in a loan portfolio
- Automated portfolio monitoring: Ongoing monitoring of a loan portfolio based on a predetermined frequency (monthly, quarterly, etc.). Summary reports are automatically generated for properties flagged with an alert
- Integration with MSP®: Lien Alert integrates with the MSP loan servicing system for seamless use
MSP loan servicing system
MSP®, ICE’s best-in-class loan servicing software, has set the industry standard and is unmatched, due to a strong focus on regulatory compliance and risk, protection of borrower-owned data, decades of proven performance and our commitment to continuous innovation. MSP offers servicers of all sizes the ability to tackle today’s most pressing business challenges.
How to use Lien Alert
Lenders, servicers and investors across the U.S. leverage Lien Alert for numerous applications.
Lenders
Identify new leads for home equity loans and retention opportunities by receiving alerts on property value changes and ARM resets.
First lien holders
Monitor for potential borrower default by leveraging the tax delinquency and bankruptcy alerts; identify equity or lien status changes by receiving alerts for second liens taken out on properties.
Subordinate lien holders
Identify potential risk and take proactive steps to maximize your secured interest by receiving alerts on default activity, ARM resets or ownership changes.
Servicers
Quickly analyze a portfolio’s condition for existing or potential risks.
Investors
Leverage the solution as part of your portfolio-acquisition due diligence process to identify lien-related indicators that could affect collateral value.