First Horizon Home Loans employs technology to assure you a competitive edge in the marketplace. Not only do our technology tools make your job as Relationship Manager easier, but they also bring value to your customers. These tools include:

• Automated Underwriting:  First Horizon Home Loans uses and supports automated underwriting systems such as Desktop Underwriter^® and Loan Prospector^®. It is even possible for Relationship Managers to receive certification for these systems and review results at the point-of-sale.
• Presto^®:  More than just a point-of-sale program, Presto provides a number of production-enhancing functions, including: seamless import of 1003 data from your First Click Web site, intranet-enabled interfaces to credit reporting companies and automated underwriting engines, an interactive product eligibility and pricing tool, side-by side loan comparisons, and seamless downloads to First Horizon's processing system.
• First Click Web Sites:  Give your customers access to you 24/7 with your own personalized Web site. Your Web site provides your personal and contact information, answers to frequently asked mortgage questions, and mortgage calculators for budgeting and planning. Your Web site also sends you requests for information from potential borrowers and has the complete 1003 online! Also, with your Web site, you can promote specific First Horizon products and promotions, include First Horizon team members' names and contact information, provide links to First Horizon business partners, and export loan data directly to LOP.
• Laptop Computers:  First Horizon Home Loans provides an incentive program for qualifying Relationship Managers who wish to use a laptop to enhance production. These company-owned laptops enable a Relationship Manager to save valuable time by taking information directly to the customer.
• First Horizon's Home Loan Online:  Existing First Horizon customers can access their home loan account information through a Web site to view loan status information, retrieve their 1098 year-end and escrow information, manage and update their contact information and more.
• Corporate Intranet:  Our intranet site offers you a 24-hour source of information and support materials. In addition to posting loan product descriptions, corporate memos and Policies & Procedures, you'll find customizable marketing materials available for download.
• Product Selector:  First Horizon Home Loans provides a Web-based product search engine designed to benefit you and your borrowers. Product Selector assists in the selection of mortgage products that fit the needs and criteria of your borrowers by providing product recommendations. This is a valuable time saver that allows products to be automatically and quickly identified without having to sift through written loan production descriptions.