Applies to All

• Mortgage Talking Points^TM flyer, HO-6 Condo Insurance Policy Simplified!
  • What is it?
  • What does it mean to you?

• Mortgage Talking Points® flyer - Homebuyer Tax Credit Extended, Expanded & Enhanced
  • Read the highlights.
  • Who qualifies.
  • Important dates.

• Mortgage Talking Points® flyer - Avoiding HUD Home Headaches: Tips on Buying HUD Foreclosures
  • Key Points to Avoid Problems & Advise Buyers

• Mortgage Talking Points^TM flyer - MCC - Mortgage Credit Certificates, A Blast from the Past
  • What is an MCC?
  • Who is eligible?
  • How is it calculated?

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  FREEBIE — Mortgage Talking Points^TM Flyer, "Advertising Rules (RegZ) for Real Estate Agents and Builders" — FREEBIE
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  • Existing Advertising Disclosure Rates
  • Updated Rate & Payment Rules
  • Information for Printed Ads, TV, Radio Video and all other Oral Disclosures

• Mortgage Talking Points^TM flyer, Home Valuation Code of Conduct: Now What? Frequently Asked Questions
  • How does an appraisal get ordered?
  • What is an Appraisal Management Company?
  • What if the value comes in lower than the sales price?

• Mortgage Talking Points^TM Flyer "Quick Guide to Rural Housing Loans"
  • Buyer Qualification Highlights
  • Property Qualification Highlights
  • Prohibited Loan Purposes

• Mortgage Talking Points® Flyer - What the New Market Condition Appraisal Is All About
  • So what is the New Market Condition Appraisal all about?
  • Requirements for declining market properties.
  • What does it all mean to you?

• Mortgage Talking Points® Flyer - What You Need to Know About the $8,000 First Time Home Buyer Tax Credit
  • Who Qualifies for the Tax Credit
  • Types of Properties
  • Income Limits & Amount of Credit

• Mortgage Talking Points^TM - First-Time Homebuyer Tax Credit Comparison Chart
  • Comparison Between $7500 & $8000 Tax Credit
  • Repayment & Recapture Provisions
  • Effective Dates
  • Income Limits


• Mortgage Talking Points^TM - New Conforming Loan Limits - Act Now Before They Change.
  • General Loan Limits Effective 1-1-2009.
  • High-Cost Loan Limits Effective 1-1-2009.
  • Formula for figuring loan limits.

Applies to Fannie & Freddie

• Mortgage Talking Points^TM - Seller-Held Second Mortgage Rules
  • Did you know...
  • Seller Second Guidelines
  • What does it all mean to you?

• Mortgage Talking Points^TM - Take the Mystery Out of Financed Mortgage Insurance
  • So, what is it?
  • Which borrowers should consider financing MI?
  • Why would you care?

• Mortgage Talking Points^TM Flyer - What You Need to Know About Appraisals and Were Really Afraid to Ask!
  • What it's all about (market conditions appraisal form).
  • Why you should care.
  • When will the new information be required.
  
  
• Mortgage Talking Points^TM - Temporary Interest Rate Buydowns: How to Use to Sell OR to Purchase a Home
  • Why use temporary interest rate buydowns?
  • How it works - Conventional financing.
  • Examples

Applies to Fannie Only

• Mortgage Talking Points^TM Flyer: HomeStyle® Renovation - The Conventional Alternative to an FHA 203k
  • What types of properties qualify?
  • Down payment required?
  • Limitations?

• Mortgage Talking Points^TM Flyer: Working with Real Estate Investors - Know the Rules!
  • Highlights
  • Qualifying
  • Benefits

• Mortgage Talking Points^TM - What Are The New Rules When a Client Buys a Home & Current Home is Not Sold or Not Going to Be Sold?
  • New Fannie Mae Rules
  • Current Home Pending Sale
  • Existing Home Coverts to Second Home
  • Existing Home Converts to Rental Property

• Mortgage Talking Points^TM - How Seller Seconds Can Help Your Listings Sell Quicker and How You Can Qualify More Buyers
  • How to put together a seller-second transaction.
  • What info needs to be part of the 2nd mortgage document.
  • Detailed examples of payment comparisons.

Applies to Freddie Only

• Mortgage Talking Points^TM flyer, Rules for Buying a Primary Residence Without Selling Current Home
  • Rule: Home on the market and purchasing new primary residence
  • Rule: Converting primary home into second home and purchasing new primary residence
  • Rule: Converting primary home into an investment property

• Mortgage Talking Points^TM - Best Practices for Property Flips
  • What is a legitimate property flip?
  • What transaction characteristics could stop your closing?
  • How do you ensure a smooth process and closing?

• Mortgage Talking Points^TM - Sell an REO by December 31, 2009 - Get HomeSteps^TM Promo For Your Buyers
  • What is it?
  • Rules
  • What does it all mean?

FHA

• Mortgage Talking Points^TMflyer, Say "I Do" to FHA Bridal Registry Account
  • Here's how it works...
  • How and whom to inform

• Mortgage Talking Points^TM flyer, Growing Family? FHA Can Help!
  • Borrowers will be required to...

• Mortgage Talking Points^TM flyer, FHA 2010 Max Loan Limits
  • Include loan limits for counties you do business in.