Universal Topics

• S.A.F.E. Act Compliance Chart by State
• S.A.F.E. Mortgage Licensing Act - Who Needs to Be Licensed?
• RESPA Referral Fee Matrix
• Intent to Proceed with Loan Application Forms
• Good Faith Estimate Receipt
• Estimated Number of Years to Drop Mortgage Insurance Chart
• Condo Eligibility Quick Reference Chart
• Mortgage Disclosure Improvement Act Disclosure Flow Chart
• Fees That Need to Be Included When Figuring APR
• High Cost Conforming Loan Limits - By County - 102 pages
• Borrower Paid Private Mortgage Insurance (MI) Cancellation
• How to Figure Out Cash Flow for Self-Employed Borrowers (Guide to Fannie Mae’s Form 1084)

Fannie Mae & Freddie Mac

• Financed Mortgage Insurance: Fannie vs. Freddie (Chart)
• Fannie Summary of All Waiting Periods & Requirements for Derogatory Events (Chart)
• LQI Matrix
• Freddie Mac Best Practices - Underwriting/Appraisal Exhibit 2009-18
• Fannie vs. Freddie Super Conforming Reference Chart
• Fannie Mae Condominium Reference Guide
• Freddie Mac Condominium Reference Guide
• Fannie/Freddie Refinances, Seasoning, Continuity of Obligation, Listing - Reference Chart
• Fannie Mae and Freddie Terms and Forms
• How to Figure Out Cash Flow for Self-Employed Borrowers (Guide to Fannie Mae’s Form 1084)
• Fannie and Freddie Mac - Investment Property Guidelines
• Conforming Loan Limits 2010 - Full County Loan Limits
• Conforming Loan Limits 2010 - High Cost Areas
• Conforming Loan Limits 2010 - HERA Limits

FHA

• FHA HOC Assistant Request Form for Case Number Transfer
• HUD Cover Letter/Checklist: For Condo Initial Project Approval
• HO-6 Insurance Waiver Rules
• FHA Net Worth Requirements Timeline
• FHA Party Wall Agreement
• FHA Stacking Order Chart
• Making Home Affordable Program: FHAs Home Affordable Modification Loss Mitigation Option
• 203(k) and Streamlined(k) Maximum Mortgage Worksheet
• Requirements for Proposed, Under Construction and Existing, Less than 1 Yr
• FHA Loan Limits 2010 - Between Floor & Ceiling
• FHA Loan Limits 2010 - Ceiling & Above
• FHA Underwriting At-A-Glance Purchase Transactions
• FHA Compensating Factors
• FHA Streamline Submission Worksheet
• FHA Streamline Worksheet
• FHA Maximum LTV Matrix
• FHA Energy Efficient Mortgage Worksheet
• FHA Existing Property Condition Screening Checklist
• FHA - How To Become a HUD-Approved Lender
• FHA Mortgage Insurance Premiums
• Hope for Homeowners Fact Sheet

VA

• VA Pamphlet 26-7, Chapter 8: Borrower Fees & Charges and the VA Funding Fee
• VA Borrower Fee & Expense Matrix
• VA Handbook - Chapter 16 - Common Interest Communities, Condominiums and Planned Unit Developments
• VA Guaranty Calculation Examples
• VA Underwriting-at-a-Glance
• VA IRRRL Tip Sheet
• VA IRRRL Worksheet
• VA Streamlined Refinance Submission & Approval Worksheet
• Interest Rate Reduction Refinancing Loan Worksheet

USDA

• Income Eligibility Calculation Worksheet
• USDA - Best Tips & Practices for Lenders

Compliance

• S.A.F.E. Mortgage Licensing Act
• Sample Privacy Disclosure for Mortgage Brokers & Mortgage Bankers
• Sample Privacy Disclosure for Financial Institutions
• Mortgage Broker Fee Agreement
• Are Your Loans In Compliance? (Checklist)
• HUD's New Settlement Cost Booklet
• Rules, Regulations and Who Enforces Them Chart
• Mortgage Disclosure Improvement Act Disclosure Flow Chart
• Reg Z High Priced Mortgage Determination Checklist
• RegZ Advertising Rules - All Dwelling Related Loans
• Recission Period Reference Chart
• Compliance Red Flag Rules Checklist


• Transfer of Servicing Disclosure Statement

Reverse Mortgage

• HECM Loan Agreement
• Exhibit 1 HECM Refinance: Hypothetical Example
• Home Equity Conversion Mortgage Anti-Churning Disclosure (Form 92901)