HomeZero Summary HomeZero Flyer 2-1 Buydown Flyer VA Flyer USDA Flyer Jumbo Flyer Title Approval Request Form 2022 CA Title Approval Form Conventional COVID-19 Announcement CV-22-1 Mortgagee Information Condo Questionnaire-FNMA 1076 Credit Score/LTV Matrix FCM Overlay Resource Guide Agency Guideline Links FCM Overlay Resource Guide- PDF Version Credit Score & LTV Matrix FCM Overlay Resource Guide Agency Guideline Links FCM Overlay Resource Guide- PDF Version HomeZero FHA Overlays HomeZero DPA Forgivable Guidelines HomeZero DPA Repayable Guidelines Non-Conforming Jumbo Quick Guide/Comparison Non-Conforming Jumbo Traditional Guidelines Jumbo Product Quick Guide/Comparison Non-Conforming Jumbo Direct Guidelines Non-Conforming Elite Jumbo AUS Non-Conforming Elite Jumbo AUS Non-Conforming Elite Plus Jumbo AUS Non-Conforming Elite Plus Jumbo AUS Non-Conforming Jumbo Traditional Non-Conforming Jumbo Direct 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) Non-Conforming Jumbo Select 30 AUS 2021-18 COVID-19 Update- FHA/USDA 2021-14 COVID-19 Update- FHA/USDA Closing Request Form Pricing a Loan Registering and Locking a Loan Extending and Editing a Lock URLA Sections 5 – 9 and Lender Information URLA Section 3 & 4 URLA Section 1 & 2, Continuation Sheet and Unmarried Addendum FEMA Declared Disaster Counties 2020-37 FNMA COVID-19 Guideline Update 2020-39 Wholesale Announcement Disaster Announcement DA-20-2 California Wildfires New URLA 2020 Forms URLA 2020 Project 2020-34 Adverse Refinance Fee Correspondent Fee Schedule Insurance Policies and Requirements Insurance Policies and Requirements Private Flood Insurance Requirements Non-Conforming Jumbo Express Non-Conforming Jumbo Express 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 FCM URLA Update April 14, 2020 Lender Forbearance Attestation Editing PDF Flyers FHA Loans Rent vs Buy FHA Single Unit Condo Approval 4506-C March 2021 Reasons to Refinance August- Important URLA Update- Industry wide VA Loan Comparison Correspondent Lending Territories ARCH FHA Maximum Mortgage and NTB Worksheet VA IRRRL Net Tangible Benefit Worksheet 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 Product Lock hours Lock Policy Submitting a Loan for Underwriting Submitting a Closed Loan AMC Contact List MGIC THDA Docs Credit Inquiry Letter LO Certification/Intent to Proceed Blank Gift Letter Mortgage Broker Fee agreement Property Inspection Waiver PIW FHA Single Unit Approval Questionnaire VA Condo Submission Checklist FHA Condo Cert HUD Approved Condos VA Approved Condos Product Lock hours Wholesale Lock Policy Extended Lock Float Down Terms and Agreement Extended Rate Lock Agreement CIC Request Loan Submission Sheet TBD Submission Sheet RD 3555-21 LE/Disclosure Request National MI Lock and Shop Agreement- Instructions Temporary Buydown Agreement- Fillable Temporary Buydown Agreement- Fillable Non-Delegated Correspondent Tier 1- Purchase Review Submission Sheet Extended Rate Lock Agreement Extended Rate Lock Float Down Terms and Agreement Lock and Shop Rate Lock Agreement Temporary Buydown FAQ’s Temporary Buydown Calculator Radian Non-Delegated Correspondent Tier 2- Purchase Review Submission Sheet 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 Non-Conforming Jumbo Select 30 AUS Non-Conforming Jumbo Select 90 Non Conforming Jumbo Select QM Non Conforming Jumbo Choice QM Non-Conforming Jumbo Select 90 Non Conforming Jumbo Choice QM Non Conforming Jumbo Select QM Lender Forbearance Attestation fcmFirst Guidelines fcmFirst Portal Submission Guide HOL Guidelines