Mortgage Currentcy Mortgage Rules and Regulations - Interpreting the Rules and Mortgage News...for you! http://www.MortgageCurrentcy.com Universal Condo Projects: Would you create a condo project comparison chart for existing and new construction projects comparing Fannie Freddie FHA VA and USDA? Im so confused Download Condo Project Eligibility Quick Reference Chart http://www.MortgageCurrentcy.com/index.php#589 Universal HVCC: Why do banks credit unions who are regulated by OTS have different HVCC practices? http://www.MortgageCurrentcy.com/index.php#587 FannieFreddie Elimination of Mortgage Insurance: Do you have anything in writing that says Lender can eliminate monthly mortgage insurance when LTV reaches 78? http://www.MortgageCurrentcy.com/index.php#579 FannieFreddie Seasoning Requirement: What is the ownership seasoning requirement before the borrower is able to use the appraised value on an investment property? http://www.MortgageCurrentcy.com/index.php#577 Fannie Origination Fee Exceeds 5: I am being asked to reduce the origination fees since I am over the 5 allowed What are the rules to this requirement? http://www.MortgageCurrentcy.com/index.php#576 Fannie Borrowed Funds for Down Payment: Can a borrower draw funds from a home equity line of credit (on current home) for a down payment on another home? What are the rules? http://www.MortgageCurrentcy.com/index.php#578 FHA Credit Trade Lines: Can a borrower who has a credit score but only 1 trade line in the last 6 months and no alternative credit get an FHA loan? http://www.MortgageCurrentcy.com/index.php#582 FHA 90-Day Flipping Rule: My underwriter says I cant do the loan based on the 90-day flipping rule until an official announcement is made via Mortgagee Letter Is there an official ML about this? http://www.MortgageCurrentcy.com/index.php#583 FHA Property Ownership Limit: Can borrowers do a rate term refi on primary residence even if they own 8 other rental properties? http://www.MortgageCurrentcy.com/index.php#585 VA New Construction Rules: Can I do a VA loan on a new construction home that was foreclosed on by the bank when I dont have any construction documents or builder warranties? VA Minimum Property Standards included http://www.MortgageCurrentcy.com/index.php#581 VA H06 Condo Insurance: Are the condo insurance rules (HO6 walls in) the same for VA condo loans (as they are for FHA)? http://www.MortgageCurrentcy.com/index.php#586 VA Seller Concessions: Ive heard that the sellers contribution can EXCEED 4 What are the rules and allowed fees? VA Policy on Fees and Charges by the Veteran Borrower included http://www.MortgageCurrentcy.com/index.php#584 Compliance Broker Fee Agreement: My current Broker Fee Agreement Form does not seem to be consistent with the new RESPA GFE rules and regulations? Do you have an updated version? Download Mortgage Broker Fee Agreement Form http://www.MortgageCurrentcy.com/index.php#580 Compliance Reg Z Rules: Where do I find the guidelines for advertising - rates in the newspapers and radio? Includes Mortgage Talking PointsTM flyer Advertising Rules (RegZ) for Real Estate Agents and Builders http://www.MortgageCurrentcy.com/index.php#588