Universal Topics

• NMLS and State Required Continuing Education Classes
• Fannie & Freddie Uniform Appraisal Quick Reference Guide to Codes
• SAFE Mortgage Licensing Act: Minimum Licensing Standards & Oversight Responsibilities Final Rule
• Maximum Seller Contribution Chart: Fannie/Freddie/FHA/VA/USDA
• Helpful Hints Processor Cheat Sheet
• 18 Website Resources to Help You Find Mortgage Info Immediately!
• 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
• 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

• Freddie Mac - Land Contract Rules: Refinance or Purchase?
• Timeline of Changes for Freddie Mac Relief Refinance Mortgages^SM
• Conforming Loan Limits 2012 - Full County Loan Limits
• Conforming Loan Limits 2012 - High Cost Areas
• Fannie Mae Vs. Freddie Mac Waiting Periods for Derogatory Credit (Chart)
• Know Your PMI Options: Single Premium; Lender-Paid & Monthly
• Fannie Rules to Remove Borrower from Mortgage When Using DU Refi Plus or Refi Plus to Refinance
• Fannie HomeStyle® Renovation Maximum Mortgage Worksheet Form 1035
• Fannie HomeStyle® Renovation Approval Form 1000A
• Fannie Mae Rules - Rental Income from Subject Property
• Fannie Mae Rules - Rental Income from Property Other than Collateral
• Fannie Mae Source of Funds Chart
• Fannie Mae: DU Tolerance Table
• Loan Quality Initiative (LQI) FAQs (updated August 19, 2010)
• Loan Quality Initiative (LQI) FAQs (updated July 29, 2010)
• 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

FHA

• FHA HUD HOC Contact Info for Case Number Cancellation and/or Assistance
• FHA Home Ownership (HOC) Addresses
• FHA HOC Assistant Request Form for Case Number Transfer (updated 8/7/2011)
• Cancellation of FHA Mortgage Insurance Fact Sheet
• FHA 2012 Max Loan Limit Areas at Ceiling and Above
• FHA 2012 Max Loan Limit Areas Between Floor & Ceiling
• Conditional Commitment Direct Endorsement Statement of Appraised Value
• FHA Condo Approval Requirements Checklist
• FHA Initial Condo Approval Cover & Checklist
• FHA/VA Website Resources
• FHA Condominium Approval Implementation Schedule
• FHA Condo Project Approval & Processing Guide
• Counties Affected by Possible Decrease in FHA Loan Limits
• FHA Total Scorecard: List of Conditions Requiring Mandatory Downgrade (updated 6-27-2011)
• FHA/VA Derogatory Credit Chart
• Informed COnsumer Choice Disclosure Notice Example Form
• Updated HUD Logo (must use by 5-15-11)
• FHA Streamline Submission Worksheet
• FHA MI Premium Chart (updated 8/7/2011)
• FHA Hooking Up to Private Septic & Well: Making the Connection—Feasibility Defined!
• FHA Flood Zone Requirements
• FHA Borrower Certification for FHA Refinance of Borrowers in Negative Equity
• FHA Recertification Processing Requirements (updated 10-21-10)
• HUD Condo Industry Fact Sheet
• HUD Condo Consumer Fact Sheet
• Calculating the FHA UFMIP Refund Worksheet
• HUD Cover Letter/Checklist: For Condo Initial Project Approval
• 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 Underwriting At-A-Glance Purchase Transactions
• FHA Compensating Factors
• FHA Maximum LTV Matrix
• FHA Energy Efficient Mortgage Worksheet
• FHA Existing Property Condition Screening Checklist
• FHA - How To Become a HUD-Approved Lender
• Hope for Homeowners Fact Sheet

VA

• Energy Efficient Mortgages & VA Loans
• VA Guaranty Calculation Examples Chart
• 2012 VA County Loan Limits
• VA Funding Fee Chart (updated 11-22-2011)
• VA Form 26-1880: Request for Certificate of Eligibility
• FHA/VA Website Resources
• FHA/VA Derogatory Credit Chart
• Military Pay Scale Chart for 2011
• VA Fee Sheet for Supervised/Non-Supervised Lenders
• Instructions for Using TAS Functions That Have Been Migrated to WebLGY
• FHA/VA Derogatory Credit Chart
• 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

• USDA Condominium Requirements & Certifications Rule
• USDA RD Guarantee Upfront and Annual Fee Calculator
  If this Excel file won't open for you, visit this site (https://usdalinc.sc.egov.usda.gov/USDALincTrainingResourceLib.do) and scroll down to Documentation & Resources to find the link to the calculator.
• Worksheet for Documenting Annual and Repayment Income - Attachment A (Fillable Form)
• Lender's Origination Submission Checklist - Attachment B (Fillable Form)
• Lender's Loan Closing Submission Checklist and Cover for Guarantee Request - Attachment C (Fillable Form)
• USDA Worksheet for Documenting Annual & Repayment Income
• USDA Lender's Origination Submission Checklist
• USDA AN4519 - Attachment A
• USDA AN4519 - Attachment B
• USDA Annual Fee Calculation Chart
• USDA Refinance Rural Development Matrix: Streamline/Non-Streamline
• USDA Form RD 1980-21
• RD AN4543: Underwriting & Loan Closing Documentation Matrix
• USDA Guarantee Fee Calculator
• USDA-RD Form 1980-18: Conditional Commitment for Single Family Housing Loan Guarantee
• Income Eligibility Calculation Worksheet
• USDA - Best Tips & Practices for Lenders

Credit

• Credit Risk Form H-5: Credit Score and the Price You Pay for Credit
• Credit Risk Form H-6: Your Credit Report and the Price You Pay for Credit
• Credit Risk Form H-7: Your Credit Report and the Pricing of Your Account
• Form C-1: Notice of Action Taken and Statement of Reasons - Credit Denial, Termination of Change
• Form C-2: Notice of Action Taken and Statement of Reasons
• Form C-3: Notice of Action Taken and Statement of Reasons - Credit Scoring
• Form C-4: Notice of Action Taken and Statement of Reasons - Counteroffer
• Form C-5: Notice of Action Taken and Statement of Reasons - Credit Denial
• Sample Credit Disclosure Form

Compliance

• Practice Worksheet for Standard NMLS Mortgage Call Report - May 2011
• Tolerance Matrix for the GFE
• Good Faith Estimate Change Circumstance Checklist
• Summary of Your Rights Under the Fair Credit Reporting Act
• Sample Model Risk Based Pricing Disclosure Forms
• 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

• Addendum to HUD-1 Settlement Statement
• HECM Required Documents for Endorsement
• HECM Loan Agreement
• Exhibit 1 HECM Refinance: Hypothetical Example
• Home Equity Conversion Mortgage Anti-Churning Disclosure (Form 92901)