How to run AUS in Blue Sage Realtor Reference Guide – Condensed – 2025 Affidavit of Understanding Regarding Future Retirement Benefits Affidavit of Understanding Regarding Pay Stubs DSCR Cash-out Refinance VA Flyer Refinance Flyer National Dr. Loan Flyer ROV Request Form ROV Submission Cover Page Social Media: Overwhelmed Social Media: Financial Tips for First Time Homebuyers ITIN Home Opportunity Loan Realtor Reference Guide 2025 Social Media: Back to School 4 Social Media: Back to School 3 Social Media: Back to School 2 Social Media: Back to School 1 Creative Financing – Bank Statement, DSCR, non-warrantable condos NDC Quick Reference Guide DSCR Loans Social Media: Homeownership Month 1 Extended Rate Lock Agreement The Cost of Waiting Flexible Loan Terms Flyer Appraisal Waiver HomeZero Summary Lock & Shop Flyer Ohio Down Payment Assistance Florida Housing Training Florida Housing Broker Approval Request Quick Product Guide Home Opportunity Loan (HOL) Flyer THDA FTHB Flyer Non-QM Verification Earnings Request Non-QM Self-Employed Business Narrative Non-QM DSCR & Bank Statement- Business Purpose Occupancy Affidavit SCIF Form 1103 Conventional COVID-19 Announcement CV-23-1 HomeZero Flyer 2-1 Buydown Fly VA Flyer USDA Flyer Jumbo Flyer Title Approval Request Instructions 11.2023 Settlement Agent Agreement 6.2024 Conventional COVID-19 Announcement CV-22-1 Mortgagee Information Condo Questionnaire-FNMA 1076 Credit Score/LTV Matrix Agency Guideline Links FCM Overlay Resource Guide Credit Score/LTV Matrix AMB Underwriting Guidance Agency Guideline Links FCM Agency Alternative Overlays AMB Solutions NQM Binder AMB Solutions NQM- Business Purpose Inv Property Inv Property-PPP by State Doctor Loan Guideline Binder HOL-ITIN Guideline Binder HomeZero FHA Overlays HomeZero DPA Forgivable Guidelines HomeZero DPA Repayable Guidelines Home Opportunity Loan (HOL-NP ITIN) Home Opportunity Loan (HOL-LS-ITIN) Guideline Binder Non-Conforming Jumbo Quick Guide/Comparison Prime Jumbo Guideline- Wholesale 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 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 CALHFA California Housing Guidelines-Government CALHFA California Housing Guidelines-Conventional 2021-18 COVID-19 Update- FHA/USDA 2021-14 COVID-19 Update- FHA/USDA CALHFA California Housing Lakeview Guidelines – Government CALHFA California Housing Lakeview Guidelines – Conventional Submission/LE Request Checklist 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 October 2022 4506-C October 2022 Prefilled with FCM information 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 Rate Lock Policy Submitting a Loan for Underwriting Submitting a Closed Loan AMC Contacts 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 CIC Request TBD Submission Sheet RD 3555-21 National MI Lock and Shop Agreement- Instructions Temporary Buydown Agreement- Fillable Non-Delegated Quick Reference Non-Delegated Correspondent Tier 1- Purchase Review Submission Sheet Lock and Shop Rate Lock Agreement Temporary Buydown Schedules Temporary Buydown FAQ’s 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 Citizenship Guide 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