Your mortgage,
on your schedule.

Prospects, referral partners, and vendors — people connected to V Nation Corp who are not (yet) a borrower or investor.

Everyone with real access to the V Nation Corp admin portal. Invited teammates sign in with their email and set their own password via "Forgot password?" on the sign-in screen.

Invite an Admin

Jump straight to a borrower's file or dashboard from anywhere, without going through Borrowers ▸ Pipeline or Search first.

Log a Payment Received Outside the System

For when a client wires, checks, or otherwise pays directly instead of through this platform — records it on their real file for their record and for compliance, with any date (including a past one). This never charges anything; it only logs money already received.

All Payments

Every real payment across every loan — including AutoPay drafts and payments processed from any device.

AutoPay

Every active AutoPay enrollment and its most recent automatic charge — declined or never-run enrollments are sorted to the top since those are the only ones that need a human to look. AutoPay is fully automated: no admin action is required for a successful charge.

Signature Requests

Every document sent for electronic signature, and its status. Open any document with "View" — a signed one shows the audit certificate (signer, timestamp, IP) appended to the bottom.

Secure Messages

Every borrower's private, encrypted message thread. Any sensitive document request or delivery should happen here — never over email or text.

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Payments flagged as returned, bounced, voided, or failed — from real transaction status updates and manually-logged notes.

Delinquency Report

Every active loan, bucketed by days past due (computed from each loan's next due date) — not just loans manually flagged "Delinquent". Click a loan to view or start a loss mitigation workout plan.

Maturity & Balloon Payment Alerts

Every active loan maturing within 90 days (or already past its maturity date). For a balloon loan, California Civil Code §2924i/§2966 requires written notice at least 90 days — and no more than 150 — before the balloon payment is due, so this is exactly the window to act in.

⚠ Not legal advice — confirm exact notice timing/requirements with your broker-compliance counsel for any loan close to its deadline.

Every file that is not funded yet, at any origination stage (Lead, Application, Pre-Approved, Processing, Underwriting, Clear to Close). The Stage column matches the Pipeline tiles — moving a file to "Application" changes its stage; it stays in this list until it is funded and boarded. Start a brand-new one with "+ Add New Prospect" (opens a blank intake — the same full borrower/loan file used everywhere else), or flag an existing borrower/loan as "Prospect" from Search ▸ View/Edit. Assign an investor to review it, and upload their Appraisal Report and Credit Report from the file's Documents section. Switch the Deal Stage back to "Active" once it closes to move it into the regular pipeline.

Escrow Reminders

Property tax and hazard insurance due dates for every loan. Rows due within 45 days are highlighted. Impound loans are V Nation Corp's responsibility to disburse; non-impound loans need the borrower reminded to pay directly.

Escrow Analysis

Annual aggregate escrow account analysis (RESPA Reg X, Appendix E method) for every impounded loan — projects the next 12 months of deposits and disbursements against a 2-month cushion to determine whether the current monthly escrow payment needs to increase, decrease, or stay the same.

Trust Account Reconciliation

California brokers handling trust funds — which loan servicing is — are required to keep the trust bank account reconciled against the books, typically monthly (Cal. Bus. & Prof. Code §10145; 10 CCR §2831/2831.1/2831.2). This computes what your books say the trust account should hold; you enter the real bank balance to compare against it.

⚠ Not legal advice — confirm your exact trust-fund handling obligations with your broker-compliance counsel or the DRE's own Trust Fund Handling guidance. This tool doesn't move or hold funds; it's a computed comparison plus a saved record that you ran it.

Reconciliation History

Every saved reconciliation run — the audit trail proving this is done regularly.

Mortgage Payment Rating — Furnisher Reporting

Each active loan's current payment status, as it will be reported to Xactus for tradeline/rating purposes. Real reporting typically runs monthly in Metro 2 format.

Credit Report Pulls LIVE

Tri-merge credit reports (Equifax · Experian · TransUnion) pulled from Xactus straight into the client file.

Investors

Third-party investors/owners this portfolio services loans on behalf of. Assign a loan to an investor from that loan's edit screen (Borrowers ▸ View/Edit). Loans with no investor assigned are treated as V Nation Corp's own portfolio.

Remittance Report

For a given investor and month, computed from real logged payments on their assigned loans — principal and interest passed through to the investor, net of V Nation Corp's servicing fee. Escrow collections are never remitted; they stay in the custodial escrow account.

Fee Allocation Policy

Who receives each fee collected on investor loans. The investor's share is added to their remittance and ACH payment and shown in their portal. This must match what each investor's servicing agreement and Lender/Purchaser Disclosure (RE 851A) say — change it here only after the agreements say the same. Changes apply to fees collected on/after the effective date; each charge keeps the split in effect when it was posted.

Investor Disbursement Log

A timestamped record that a disbursement was actually sent. This does not send money. There is no "process payment" button here — you send the wire/ACH yourself through your own bank's portal first, then come back and log it below so there's a permanent date/time record.

Compliance Reporting — RESPA/TILA Disclosure Timelines

Every open compliance deadline across the portfolio: correspondence you've logged (Notice of Error, Request for Information, Loss Mitigation, Force-Placed Insurance) plus automatic checks (Initial Escrow Disclosure, Annual Escrow Analysis currency). Sorted by urgency.

Business-day deadlines below exclude weekends and U.S. federal holidays (New Year's, MLK Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas).

Log a Compliance Event

Audit Log

Record of changes to borrower/loan data plus system-wide sign-in and account events on this device.

Authorize.net

Live connection status for the V Nation Corp merchant account.

Recent Transactions

Last 10 payments logged on this device.

Webhook Events

Real-time events pushed from Authorize.net.

Loan Application Intake

Real, live link for prospects to apply — this is what "New to V Nation Corp?" on the landing page points to.

Loan Origination System Sync

No outside loan origination system is connected — nothing syncs automatically, so there is no sync history. New loans come into the portal through:

• Online Application — borrowers apply at payment.vnationcorp.com/apply (above)
• Investor Onboarding — investors submit client files at payment.vnationcorp.com/onboard
• Import XML — Borrowers → Import XML takes a MISMO 3.4 file exported from any LOS
• New Loan Onboarding — board a funded loan by hand

Security Alerts — Login Activity

Every real sign-in across admin, borrower, and investor accounts, on any device — IP address and browser come from the request itself, not anything the signed-in device reports, so this can't be spoofed by a compromised client.

Track, investigate, and close security incidents.

Log a Security Incident

Periodic access and control reviews, with findings and follow-up actions.

Log a Security Review

Upload Document

Borrower Notices

Send one notice to many borrowers. Each copy is personalized, emailed, saved in the borrower's portal, and logged in their client file. Merge fields: {{borrower_name}} {{loan_number}} {{property_address}} {{current_balance}} {{monthly_payment}} {{next_due_date}} {{maturity_date}} {{balloon_amount}} {{lender_name}} {{servicer_phone}} {{today}}

The balloon notice text is a draft — have your attorney approve it once. California Civil Code § 2924i requires it 90–150 days before a balloon is due on 1–4 unit residential loans; email is a courtesy copy, so also mail the printed letter first-class and record it with "Mark Mailed". You'll get an email alert each time a loan enters that window.

Notice Log

New Loan Onboarding

Board a funded loan into servicing: enter the borrower and loan terms, upload the boarding documents, then review and activate. Payments are due on the 1st; grace period is set automatically (10th for business-purpose / interest-only / hard-money loans, 15th for agency loans).

Document Repository

Every document for one loan in one secure place: signed e-documents with their signature certificates, every package and what is still outstanding, and uploaded or executed files (recorded Deed of Trust, title policy, settlement statement, wet-signed closing package).

Construction / Rehab Draws

The rehab holdback is held in trust for the lender(s) and released in draws against a line-item budget: request → inspection → approval → funding. Funding requires a conditional lien release on progress payment (Civil Code § 8132) from the contractor(s).

Pooled Mortgage Funds

A fund entity (usually an LLC) owns loan interests like any investor; its members hold capital accounts. Each month the fund's loan income, less the management fee and fund expenses, is allocated to members by daily-weighted average capital, then paid out or reinvested per each member's election. Fund interests are securities — capital cannot be recorded until the offering exemption or DFPI permit, operating agreement / PPM and fund counsel are on file.

IRS Form 1099-INT — Investor Interest

V Nation Corp, as servicer and paying agent, reports the interest each investor received from trust-deed loans on Form 1099-INT (not 1099-DIV — dividends are only for corporate stock / fund distributions). Amounts use the same per-payment split as investor statements and remittances, on a cash basis (payments received in the calendar year).

Deadlines: Copy B to investors by January 31; e-file with the IRS (IRIS) by March 31. Late-filing penalties apply per form.

1 · Payer (Filer) Information

Prints in the PAYER box of every form and goes in the IRIS file. The EIN is stored server-side and shown as the last 4 only.

2 · Prepare & Issue

3 · Issued Forms & IRS E-File

Issued forms appear in each investor's portal (Tax Documents) as Copy B with the TIN truncated to the last 4. The IRIS file contains full TINs — download only to a secure device, upload to IRIS, then delete it.

Accounting Export — General Ledger Journal (QuickBooks)

Balanced double-entry journal for a date range, built from recorded payments and investor disbursements — the same split math as investor remittances. Import into QuickBooks Online (Settings → Import Data → Journal Entries) or give to your CPA. Map each line to your chart of accounts below (saved on this device).

Data Exports

Export current data to CSV. Each export is capped at 5,000 rows. Filters apply to the Borrowers export.

Registration Date and Servicer ID filters aren't tracked yet (V Nation Corp is a single servicer with no borrower self-registration timestamp) — ask if you want those added.

Company & Contact Settings

Saved on this device as the current configuration of record.

Note: updating these fields here records the current configuration for reference. It does not yet automatically rewrite text already printed elsewhere in the portal (e.g. document footers) — ask to have those repointed to these settings if you'd like that wired up.

Two-Factor Authentication

Add a mobile number to get your own sign-in verification code by text message, as an alternative to email.

Feature

This section isn't built yet — it's on the roadmap. Let us know if you want it prioritized.