When your account is switched to Non-Del, the Non-Delegated tab will appear in your Company Settings. 

Pricing Setup: Here you can choose the industry channel you wish to receive pricing results by default. This would ideally be the channel that you plan to use the most. 


Pricing Non-Del loans in ARIVE will show as borrower paid comp. When you price a loan above par pricing, that overage defaults to a lender credit given to the borrower. Turning the Convert Lender Credit to Company Margin toggle on will automatically create a pricing adjustment to take that credit and add it to your company's revenue.  Turning the toggle on to allow Loan Officers to Override Industy Channel will give the users an option to select Broker or Non-Del as the industry channel in the Product & Pricing Engine which would ignore the defaults and override rules created in the Pricing Setup screen.  


 
You will then need to create Override Rules for any scenarios where you would use the channel not selected as your default. Example: Your company selects Non-Del as their default channel since that is a majority of their business, but all FHA loans need to go through the Broker channel. Setting that override will ensure that your loans are funneled to the correct business channel. 


 
Margin Rules: In the Margins tab, you can create Margin Rules to adjust pricing (in either points or dollars) on Non-Del loans based on chosen criteria. You can also set your minimum and maximum margin limits. 



Mortgagee Clause: The mortgagee clause tab is where you will enter the loss payee or your company. This mortgagee clause will be used whenever the loan file is Non-Del. Brokered loans will still use the lender's mortgagee. 



Warehouse Bank Rules: Any warehouse banks your company uses can be added tot he "Warehouse Bank Rules" tab. You can even create rules for when that warehouse bank would be used. 


Warehouse banks can also be added manually in the "Funding & Revenue" screen of your loan files. So creating rules in the non-del settings is not necessarily required. 



 
MERS Number/ MIN: Each of your loan files will have a MERS number automatically generated. This can be found in the Loan Center screen of a loan, in the lower left corner under Other Details > "Correspondent Settings". 



The Correspondent Settings in your loan file will also allow you to switch industry channels (if your company admin permit this) and override the MER Number if you already obtained the MIN outside of ARIVE. 




DocMagic Integration: Arive has an integration with DocMagic for generating documents such as Loan Estimates, Initial Disclosures, Change of Circumstance, Closing Disclosures, Pre-Closing Packages, Closing Packages, and UCDs. 

To integrate your existing Doc Magic account into ARIVE go to the DocMagic section of the Credentials tab in either your User Settings or your Company Settings and enter your account information.



To generate disclosures using the DocMagic integration, you will go to the "Disclosure forms" tab on the left side menu in your loan file, and then click "Disclosures". You will then see the "Generate Disclosures" box. Check out this support article for more info Non-Del - Generating Loan Estimates and Initial Disclosures Via DocMagic in Arive





Self Paid Users Upgrading to Non-Del: The upgrade to non-del for a company is made by one of our support agents. When a company upgrades from one of the broker plans to ARIVE's Non-Del subscription there is an option to automatically upgrade all self paid users to Non-Del. 


If this toggle is turned off then all Self Paid users will need to upgrade their accounts by going to 

User Settings > Plans & Billing > Change Plan


Select either "Non-Del Monthly" or "Non-Del Annual". Then click "Select Plan" then "Confirm Update" and advance through the prompts to process payment for the upgrade




Also, Call Reports support Non-Del clients.


Remember that as a Non-Del subscriber, you also have access to all the features of our Broker Pro Plan.


Also see: Non-Del Features


If you're following our New User Onboarding Guide,

Click here to go back to the Roadmap!