Systems and methods for providing enhanced loan qualification

Abstract

Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. The financial service system also configures a secure software object, or token, comprising the buyer's financial information. The financial service system transmits the token to various inventory listing sites. By utilizing graphical user interfaces on the inventory listing sites that integrate the transmitted token information, the prospective buyer is provided enhanced information for shopping and researching their purchase, including how the purchase and its financing fit into their overall financial profile.

1 - 20 . (canceled) 
     
     
         21 . A system for requesting financing, the system comprising:
 a memory storing instructions; and   a processor configured to execute the instructions to:
 receive a request for financing purchase of an item from a prospective buyer; 
 receive a personalized software object token comprising financial information associated with the prospective buyer; 
 receive controlled access to a subset of the buyer financial information in the token; 
 determine financing information comprising prospective financing terms for the item based on the subset of buyer financial information; 
 configure a graphical user interface comprising prospective financing terms information for the item; and 
 display the configured graphical user interface. 
   
     
     
         22 . The system of  claim 21 , wherein the buyer financial information is credit score information. 
     
     
         23 . The system of  claim 21 , wherein the controlled access comprises encryption, password protection, or implementation of a security question. 
     
     
         24 . The system of  claim 21 , wherein the processor is further configured to execute the instructions to configure the graphical user interface for display only to prospective buyers for which the token has been configured and authenticated. 
     
     
         25 . The system of  claim 21 , wherein the processor is further configured to execute the instructions to receive a template for the graphical user interface from an external system. 
     
     
         26 . The system of  claim 21 , wherein the displayed graphical user interface further includes an additional item for purchase financing recommended to the prospective buyer based on at least the financial information contained within the token associated with the prospective buyer. 
     
     
         27 . The system of  claim 21 , wherein the requested financing comprises a mortgage loan and the item to be purchased is a parcel of real estate. 
     
     
         28 . The system of  claim 21 , wherein the determined financing information comprises a loan amount, an interest rate, a monthly payment amount, tax information, insurance information, closing costs, or information on the variability of the interest rate. 
     
     
         29 . A system for providing secured access to enhanced information relating to financing, the system comprising:
 a memory storing instructions; and   a processor configured to execute the instructions to:
 receive financial information associated with a buyer; 
 configure a personalized software object token based on at least the received buyer financial information; 
 configure controlled access to a subset of the buyer financial information of the token; 
 transmit the token to an external system associated with inventory listings of items for sale; and 
 determine whether the external system is authorized to access the subset of buyer financial information based or the configured controlled access, and 
 provide the external system with the subset of buyer financial information if access is authorized. 
   
     
     
         30 . The system of  claim 30 , wherein the processor is further configured to verify the received financial information associated with the buyer. 
     
     
         31 . The system of  claim 31 , wherein the personalized token configuration further includes creation of a buyer financial service account. 
     
     
         32 . The system of  claim 30 , wherein the processor is further configured to request, from the external system, configured controlled access to the subset financial information of the token. 
     
     
         33 . The system of  claim 33 , wherein the requested configured controlled access requires additional verification from the buyer. 
     
     
         34 . The system of  claim 34 , wherein the configured controlled access comprises an account access credential from the buyer. 
     
     
         35 . The system of  claim 30 , wherein the configured controlled access comprises a plurality of subsets of financial information received by the buyer. 
     
     
         36 . The system of  claim 36 , wherein the plurality of subsets further have separate configured access credentials. 
     
     
         37 . The system of  claim 37 , wherein the external system determination further includes determining whether the external system has access further comprises determining which plurality of subsets the external system has access to. 
     
     
         38 . The system of  claim 30 , wherein the processor is further configured to transmit the token through a secured connection or to transfer the token to physical media. 
     
     
         39 . A method, implemented using a computer having a central processing unit, of requesting financing associated with a web site, comprising:
 initiating a session between a prospective buyer and a server system providing the web site;   receiving a first instruction from the buyer to select an item offered for purchase through the web site;   receiving a second instruction from the buyer requesting financing for the item;   requesting from the buyer a personalized software object token comprising financial information associated with the prospective buyer and controlled access to the token;   extracting a set of financial information associated with the prospective buyer from the token based on the requested controlled access;   sending the potential purchase and the financial information to a financing service provider system;   receiving from the financing service provider system financing terms for the item offered for purchase based on the buyer financial information associated with the received token, and the potential purchase; and   displaying the financing terms associated with the item offered for purchase to the prospective buyer.