Program Key Highlight: No First Time Homebuyer Requirement

HomeZero Social Post 2026 Breakout AMB Solutions Foreign Nationals Breakout AMB Solutions Personal Bank Statement Breakout AMB Solutions Full Doc Breakout AMB Solutions Business Bank Statement Breakout AMB Solutions Alt Doc Breakout AMB Solutions DSCR Consent of Spouse Broker 1st Time Home Buyer Booklet Home Search Answers Social Post 2026 On-Demand Training Videos Broker Portal Overview 2026-34 Wholesale Announcement – Fannie Mae 3.2026 2026-35 Wholesale Announcement – Freddie Mac Update 3.2026 Doctor Loan Match Day Social Post 2026 Broker Quick Product Guide Flyer 2026 Broker Match day flyer 2026 Broker ITIN Loans Flyer 2025 Broker Homezero FHA Flyer 2025 Broker Doctor Loan Flyer 2026.3 Broker Doctor Loan Flyer 2026.2 Supplemental Consumer Information Form (SCIF) Asset Inquiry Letter W9 VA Sponsorship Form NDC Profile BP Application Packet NDC Agreement Broker Agreement Broker THDA Down Payment Assistance Programs 2026 Broker Shorten 2026 realtor reference guide flyer Broker 2026 realtor reference guide TBD Conversion Form Doctor Loan Social Post 2026 USDA PPT 1.14.26 Broker Doctor Loan Flyer 2026 stampable FHA Steamline Worksheet FHA Streamline ppt 1.13.2026. VA IRRRL PPT 2026 AMB Blended Rate Calculator 2025 USDA Streamline Checklist 2025 USDA Streamline Assist Checklist 2025 How to Order an Appraisal PPT 1.13.2026 Help tap in Home Equity CES Flyer Broker 2025 Earn Income with Home Equity CES Broker Flyer 2025 VA IRRRL Non-Credit Qualifying Checklist 2025 VA IRRRL Credit Qualifying Checklist 2025 FHA Non-Credit Qualifying Checklist 2025 FHA Credit Qualifying Checklist 2025 AMB Quick Product Guide 4.22.2026 VA Form 26-8923 VA IRRRL Net Tangible Benefit Worksheet AMB FHA Max Mortgage Calculator Broker FHA Streamline Flyer 2025 Broker Springboard DPA Flyer 2025 W9 2025 Home Equity CES Flyer 9.22.26 How to request an ICD How To Price a Scenario 8.27.25 How to get a MI Quote 8.27.25 Seller Closing Costs Flyer 2025 AMB Income Calculation Form 12.22.25 Training Video – Blue Sage LOS Blue Sage Broker Portal Part 1 8.12.25 Blue Sage Broker Portal Part 2 8.12.25 Initial Set Up User Name & Password 8.12.25 How to Create a New User 8.12.25 How to Reset a Password 8.12.25 How to Submit for Income Calculations 8.12.25 How to Register a Loan 8.12.25 How to Register and Submit a TBD Loan PPT 8.12.25 How to Quick Lock a Loan PPT 2026 How to Lock a Loan 8.12.25 How to Run AUS 12.23.25 How to sign initial disclosures for borrower 8.12.25 How to Send out initial Disclosures 8.12.25 How to Submit your Loan 8.12.25 How to Upload Conditions & Submit your file to UW for Review 8.12.25 NDC PowerPoint 8.12.25. NDC Purchasing Process PPT 8.12.25 Borrowers Buy More Property DSCR Flyer 2025 Family Opportunity Flyer 2025 DSCR Loans – SO Easy Social Post 2025 DSCR Loans Social 2025 Homebuying Goals Flyer 2025 FHA, VA, USDA Property Guidelines Flyer 2025 Zero Down USDA Flyer 2025 Mortgage After Bankruptcy Flyer 2025 Credit score factors Flyer 2025 Refinance Flyer 2024 Odd Terms flyer 2025 National Dr. Loan Flyer 2024 Jumbo Flyer 2025 DSCR Loans Flyer 2025 Zero Down Zero Income Flyer 2025 Lock & Shop Flyer 2024 Cash-Out DSCR Flyer 2025 Solutions Creative Financing Flyer 2025 VA Loans Flyer 2025 VA IRRRL Flyer 2025 TSAHC Flyer 2025 HomeZero Summary Flyer 2026 HomeZero Social Post 2025 VA Loans Flyer 2025.2 Protect Your Privacy Flyer 2025 Beneficial Ownership Form Training Video – Blue Sage LOS Affidavit of Understanding Regarding Employment ROV Request Form ROV Submission Cover Page NDC Quick Reference Guide Extended Rate Lock Agreement Appraisal 3 Day Waiver Alabama Housing AHFA AllRegs Guidelines Florida Housing Training Florida Housing Broker Approval Request Non-QM Verification Earnings Request Non-QM Self-Employed Business Narrative Non-QM DSCR & Bank Statement- Business Purpose Occupancy Affidavit Conventional COVID-19 Announcement CV-23-1 Title Approval Request Instructions Settlement Agent Agreement 8.2025 Conventional COVID-19 Announcement CV-22-1 Mortgagee Information Condo Questionnaire-FNMA 1076 AMB Overlay Resource Guide Credit Score/LTV Matrix AMB Underwriting Guidance Agency Guideline Links AMB Solutions Non-QM Guidelines AMB Solutions Non-QM- Business Purpose Inv Property Inv Property-PPP by State FCM/AMB Solutions Platinum Guidelines FCM/AMB Solutions Platinum- DSCR-Business Purpose Inv Property-PPP by State FCM/AMB Solutions Platinum-ALT Doc-Business Purpose Inv Property-PPP by State AMB Jumbo Guidelines FCM/AMB Jumbo ARMs RW Guidelines FCM/AMB Medical Professional Loan Guidelines FCM Agency Alternative Overlays HomeZero FHA Overlays HomeZero DPA Forgivable Guidelines HomeZero DPA Repayable Guidelines HomeZero 3-year Forgivable Non-Conforming Jumbo Select 30 AUS Non Conforming Jumbo Select QM Home Opportunity Loan-ITIN Guidelines FCM/AMB Home Equity Closed End Second Guidelines FCM/AMB Non-QM Solutions Second Guidelines FCM/AMB Non-QM Equity Solutions Second – Business Purpose Inv Property – PPP by State fcmFirst Guidelines SSA-89- Fillable Version Government COVID-19 Announcement CV-21-2 Government COVID-19 Updates Government COVID-19 Announcement CV-21-2 Government COVID-19 Updates Conventional COVID-19 Announcement CV-21-1 Conventional COVID-19 Updates Conventional COVID-19 Announcement CV-21-1 Conventional COVID-19 Updates How to Submit for Condominium Project Manager (CPM) Florida Hometown Heroes TBA Guidelines Florida Hometown Heroes Bond Guidelines Florida Bond Guidelines Florida TBA Guidelines Florida Housing Finance Corporation-Lakeview Conventional Guidelines Florida Housing Finance Corporation- Lakeview Government Guidelines City of Memphis-Guidelines OHFA-Government Guidelines OHFA-Conventional Guidelines OHFA-Lakeview Conventional Guidelines OHFA-Lakeview Government Guidelines TSAHC Lakeview Government Guidelines TSAHC Lakeview Conventional Guidelines TSAHC Guidelines 2021-18 COVID-19 Update- FHA/USDA 2021-14 COVID-19 Update- FHA/USDA Pricing a Loan Registering and Locking a Loan Extending and Editing a Lock FEMA Declared Disaster Counties 2020-37 FNMA COVID-19 Guideline Update 2020-39 Wholesale Announcement Disaster Announcement DA-20-2 California Wildfires 2020-34 Adverse Refinance Fee Correspondent Fee Schedule Insurance Policies and Requirements Private Flood Insurance Requirements Disaster Announcement DA-20-5 Hurricane Sally Disaster Announcement DA-20-4 Oregon Wildfires Winds Disaster Area – Property Re-Inspection Requirements Disaster Announcement DA-20-3 Louisiana Hurricane Laura Disaster Announcement DA-2-01 Iowa Severe Storms 2020-33 FHA: Self-Employment & Rental Income 2020-30 VA: Veterans in Forbearance & IRRRL’s 2020-35 FHA Self-Employment & Rental Income 2020-32 VA: IRRRL’s and Borrowers in Forbearance Appraisal Transfer Policy COVID-19 Business Impact & Continuity Attestation COVID-19 Business Impact & Continuity Attestation Forbearance after Purchase 2020-8,10&16 Government Loan Programs 2020-7,11,16,21,24&27 Conventional Announcements 2020-08,13,18,26&29 Conventional Announcements 2020-10,12&18 Government Loans 2020-16 & 21 Forbearance notices for NDC 2020-14 Wholesale Announcement 2020-11 Wholesale Announcement 2020-09 Wholesale Announcement 2020-09 IRS Transcripts 2020-14 Forbearance Attestation Announcement 2020-12 Adjustable Rate Mortgages Lender Forbearance Attestation FHA Single Unit Condo Approval 4506-C new FCM 2025 August- Important URLA Update- Industry wide Correspondent Lending Territories ARCH FHA MIP and VA Funding Chart Links ENACT (formally Genworth) Essent Quick Reference Contact Sheet FHA Case Number Assignment Request Form Loan Limits FHA Condo Cert HUD Approved Condos VA Approved Condos PERS Approved Projects Purchase Review Checklist Preclosing UW Sub Checklist POA UW Checklist Rate Lock Policy Submitting a Loan for Underwriting Submitting a Closed Loan AMC Contacts Shortened 7.21.26 MGIC THDA Docs Credit Inquiry Letter Gift Letter Property Inspection Waiver PIW FHA Single Unit Approval Questionnaire FHA Condo Cert HUD Approved Condos VA Approved Condos Change In Circumstance Request TBD Submission Sheet RD 3555-21 National MI Lock and Shop Agreement- Instructions Temporary Buydown Agreement- Fillable Lock and Shop Rate Lock Agreement Temporary Buydown Schedules Radian Temporary Buydown Calculator Lock and Shop Float Down Terms and Agreement Lock and Shop Rate Lock Agreement – NDC Only Lock and Shop Float Down Terms and Agreement- NDC Only July 8- Section 3- Financial Information_REO June 24- Section 2- Financial Information June 17- Section 1- Borrower Information June 3- Intro to Form- Important Dates May 20- Something Big is Coming FCM Correspondent Seller Guide USDA 3555 Technical Handbook VA Lenders Handbook 4000.1 FHA Single Family Housing Policy Handbook HUD-92561 POA Checklist Citizenship Guide fcmFirst Exclusionary List Lender Forbearance Attestation