Platinum Mortgage, Inc. Operations Manual
|
|
- Andrea Hawkins
- 5 years ago
- Views:
Transcription
1 1 Platinum Mortgage, Inc. Operations Manual LOCKS AND REVISIONS SECTION Registration Floating Loans Rate Lock Rate Lock Procedure Duplicate Rate Locks 2.2 Pricing Rate Sheet Distribution Interest Rate Protection Lock Expirations Re-locks Lock Extensions Lock Revisions Price and Rate Adjustments 2.3 FAQs
2 2 2.1 REGISTRATION (Also applies to all correspondent locks) Floating Loans o Loans received by Platinum Mortgage, Inc. without being locked are referred to as floating. When a loan is floating, either the broker or the borrower is assuming the product and price risk. Product parameters and pricing may be different at the time of lock request. Rate Lock o When the broker executes a rate lock, Platinum Mortgage, Inc. inherits all price risk. Platinum Mortgage, Inc. commits to fund a loan at a specific rate and price, as long as the broker adheres to all product, pricing, and delivery requirements. Having executed a rate lock, the broker commits to using its best efforts to deliver the loan, regardless of market conditions. Once the loan closes, delivery of the file is mandatory. o Because Platinum Mortgage, Inc. assumes inherent market risk with rate locks, it is imperative that the broker not cancel a loan with Platinum Mortgage, Inc. for any reason. In the event that the broker cannot close a loan, the broker is responsible to notify Platinum lockdesk of cancellation. The relationship between the broker and Platinum Mortgage, Inc. may be jeopardized if a satisfactory pull through rate is not maintained. Rate Lock Procedure Loans may be locked online at using the EZ Lock tool.
3 3 The broker will receive a lock confirmation from Platinum Mortgage, Inc. by 9 am est. of the following business day at the latest. If a broker does not receive confirmation by 9 am est. the following business day, then the loan is likely not locked. It is the broker s responsibility to contact Platinum Mortgage, Inc. if a confirmation contains errors or is not received by this time. Lock confirmations will be adhered to if errors are not addressed with Platinum Mortgage, Inc. within two business days following rate lock. This is an example of a lock confirmation that will be sent to you via Platinum s Pipeline Portal. Refer to the Platinum Mortgage, Inc. loan number found on the confirmation when making inquiries regarding a loan. The confirmation only reflects pricing terms and is not to be construed as a loan approval nor does it guarantee that the lock meets program guidelines. Complete loan guidelines can be found at using the EZ Guides. Loan number can be found at the bottom of your lock confirmation on the left hand side.
4 4 Duplicate Rate Locks o If a duplicate rate lock is discovered on one loan, Platinum Mortgage, Inc. reserves the right to retain worse case pricing terms. o Rate sheet price stands in case of incorrect confirmation. If a loan is erroneously rate locked, the broker must contact the lock desk before 6 P.M. EST the same day to return the loan to floating status. If Platinum is not contacted during this time, the request to return to floating status will be denied. 2.2 Pricing (Also applies to all correspondent locks) Rate Sheet Distribution o Rate sheets are distributed at approximately 11:00 a.m. Eastern Standard Time / 10:00 a.m. Central Standard Time each business day by and online at under Rates. Platinum Mortgage, Inc. reserves the right to change prices at any time without notice. Rate lock requests received after a price change are subject to the new pricing. o Time of lock is automatically recorded after clicking on Lock Rate online. This is the time that will be used when pricing the loan. Interest Rate Protection o Rate locks from the active rate sheet must be submitted to Platinum Mortgage, Inc. via our website by 8:30 p.m. Eastern Time / 7:30 p.m. Central Time the same business day. Lock Expirations o If a lock expires on a weekend or holiday it may be extended to the next business day at no cost upon request to Secondary Marketing for funding purposes only. Secondary Marketing reserves the right to make exceptions to this as they deem necessary. o To make such a request prior to the lock expiration date, please contact Secondary Marketing at: revisions@platinumez.com Phone: option 1 o Loans that do not disburse by the lock expiration date will expire (see Re- locks below). Flow Correspondent lock expiration-delivery policy. Correspondent loans must disburse by the expiration date and must be in purchasable condition within ten (10) calendar days of the closing date. If a correspondent loan has not cleared stips and in purchasable condition after ten (10) calendar days, the loan will be extended one time for no less than ten (10) calendar days at a cost of.25 to the price of the loan. If the loan has still not cleared stips and in purchasable condition after the ten day extension has expired, the loan will be consider expired and will need to be relocked according to Platinum Mortgage s worse case relock policy located on page 15 of this Platinum Mortgage Operational Manual.
5 5 Re-locks o Expired loans may be re-locked with the following conditions: Worse-case net pricing will be used for re-locks that are sent in within 30 days of the previous expiration date. Current market pricing will be used for re-locks that are sent in after 31 days of the previous expiration date. Re-lock period must match original lock period. Worse-case pricing definition o Product changes if applicable or relocks that invoke worse-case pricing, compare existing pricing date to current market pricing using the updated product. If current market pricing is worse than existing pricing of the loan, it will be priced off current market pricing and the expiration will stay the same. If current market pricing is better than existing pricing, the updated pricing will continue to price off the existing pricing date. Change in loan programs will result in worse-case pricing without change in expiration date. o Product changes within each group do not go worse-case pricing. o Product changes outside each group will go worse-case pricing. GROUP A GRH/VF/FF30 GRH/VF/FF25 VF/FF15 GROUP B CF30/FRED30 CF25/FRED25 CF20/FRED20 CF15/FRED15 CF10/FRED10 Examples: o o o o Changing from CF30PA to FF30 will take you to worse-case pricing. Changing from GRH30 to FF25 will not take you to worse-case pricing. Changing from CF30 to FRED30 will not take you to worse-case pricing Changing from FRED30 to FRED15 will not take you to worse-case pricing. Lock Extensions o Lock extensions must be received by Platinum Mortgage, Inc. no later than 6:00 p.m. Eastern Standard Time / 5:00 pm Central Standard Time the day of expiration. The maximum allowable extension is 30 days. A lock can be extended as many times as necessary as long as the total amount of days extended does not exceed 30 days. Loans can be extended per the following cost table: Extension Period Deduction from price 1-5 days deduct in price 6-10 days deduct in price days deduct in price days deduct in price days deduct in price days deduct in price
6 6 How do I change something on my lock? Please send an to Secondary Marketing at: o revisions@platinumez.com Include the last name and loan number in the subject of the . In the body of the please let us know what you would like changed on the lock Loan Program Changes receive worse-case pricing. There is no cost associated with faxing or ing the Lock Revision Form. What is the cutoff time for locks and revisions? We accept re-locks and revisions, from the time the rate sheet is released each business day until 6 pm Eastern Standard Time / 5:00 pm Central Standard Time. We do not accept any re-locks or revision during non-business hours, including weekends and holidays. Lock Revisions o Loan changes may be requested by ing an to: revisions@platinumez.com o An updated confirmation will be ed to the broker s contact once the change has been completed. o If the borrower changes to a new property, then a new loan must be created and a new rate lock must be done. All information on the previous property will be nullified and the previous loan will need to be cancelled. Please be aware that changing the property address from Street to Road does not warrant a lock revision. o Any changes that are not listed above under Lock Revisions will be re-priced using the new information provided by the broker, which may result in a pricing change. Revisions for appraised values for purchase transactions does not warrant a lock revision, provided the new appraised value does don t change the LTV. o All revisions must be uploaded by the broker to Blitz Docs to allow the underwriter to review the changes and update the underwriting decision.
7 7 This is an example of a lock revision that will be sent to you via Platinum s Pipeline Portal Price and Rate Adjustments o Attention should be paid to price and rate adjustments on the rate sheet. All price and rate adjustments are cumulative. o Guidelines must be used to determine the parameters of the loan program. EZ Guides can be found at
8 8 2.3 FREQUENTLY ASKED QUESTIONS (Also applies to all correspondent locks) How do I lock a loan? Go to Login onto the website using your user name and password. Note: wholesale and correspondent transactions have different user IDs and passwords. Upon successful Login you will be taken to your customer page called My PlatinumEZ (formerly known as the Broker Portal).
9 9 To lock a loan select the EZ Lock Loan Pricing menu item in the left hand menu. If you have a loan already submitted to our underwriting department, then you would just type in the loan number and click Go. This will automatically populate your loan information so that you may check for accuracy. Enter Loan # and click Go
10 10 If you have not submitted the loan to our loan setup department, just click Go and it will bring you to the lock screen where you can fill in the required fields on that screen. Click Go Enter and submit information.
11 11 Click select next to the loan program you want.
12 12 Once you have completed the form and checked for accuracy, simply click Lock Request at the bottom of the screen. This will give you a message that says your loan has been locked. If you do not receive this message directly after you lock your rate, then your loan is not locked. If you are having lock problems you must contact Secondary Marketing when the lock desk is open to 6:00 pm est. or your lock is subject to next day s pricing. o If this occurs, please fill out the form again and make sure that all the required information is filled in correctly. o If you continue to have locking problems, contact Secondary Marketing as quickly as possible at by at lockdesk@platinumez.com. o For FAQ about the pricing engine, please visit: 0LOCK%20FAQ%20% pdf Does Platinum Mortgage have a pricing engine? Yes, Platinum Mortgage does have a pricing engine at this time. Go to and log into the website. From there click on the Broker Portal and enter your assigned user ID and password. The user ID and passwords will be different for wholesale and correspondent channels. Your Account Executive or the Lock Desk is available to help price your lock during business hours at: lockdesk@platinumez.com Phone:
13 13 What is my login and password to get in to the EZ Lock Tool on your website ( Please contact your Account Executive or Coordinator for this information Where can I get a copy of my lock confirmation? Your lock confirmation will be sent to you via Platinum s Pipeline Portal online when you locked your loan. You will receive an informing you that your confirmation is ready to view. If you do not receive a signed confirmation from Secondary Marketing by 9:30 a.m. the next business day, than your loan is likely not locked, please contact Secondary Marketing immediately at: lockdesk@platinumez.com Phone: option 1 If you have misplaced your confirmation, you will need to contact your Wholesale Coordinator to resend the confirmation to you. Will an underwriter clear my loan without a lock? No, all loans must be locked with a lock confirmation uploaded in Blitz Docs prior to receiving a Clear-to-Close (CTC).
Rate Lock Policy and Procedures
Rate Lock Policy and Procedures Loan Registration and Rate Lock Requests Floating Loans Loans registered without being locked are referred to as floating. When a loan is floating, the broker is assuming
More informationUser Guide for Pricing Engine
User Guide for Pricing Engine Version 1.2 Effective Date: 02/27/2019 Contents 1.0 STEPS TO ACCESS SEEMYLOANSTATUS... 2 2.0 SUBMITTING LOCK REQUEST... 4 2.1 STEPS TO REQUEST LOCK ON A NEW LOAN... 4 2.2
More informationFirst Guaranty Mortgage Corporation Lock Policy and Procedures
First Guaranty Mortgage Corporation Lock Policy and Procedures Locking Loans (Updated 06/09/2014) All Correspondent Sellers have the ability to submit locks, extensions, and change request online. Off
More informationNations Direct Mortgage Loan Manager Guide
Nations Direct Mortgage Loan Manager Guide This guide is intended to help you work with our Loan Manager website, which connects directly to our loan systems. The website provides a central online location
More informationInstructions for submitting a Loan to 5 th Street Capital
Instructions for submitting a Loan to 5 th Street Capital www.5thstcap.com Open up Internet Explorer Go to our website: www.5thstcap.com Find and Click Log In on the top right You will be redirected to
More informationCREATE FILE IN BLITZDOCS
1. Log-into BlitzDocs CREATE FILE IN BLITZDOCS All loan submissions must be submitted through BlitzDocs. In order to obtain a user name and password, a BlitzDocs Audit Checklist form must be completed
More informationWholesale Pricing and Lock Policy
TABLE OF CONTENTS General Lock Policies That Apply To All Cmg Loan Products... 3 Lock Desk Hours And Contacts... 3 Lock-In Agreement... 3 Lock Periods... 3 File Delivery Requirements... 3 Le Requests...
More informationSection 1 Pricing Policies and Procedures
Section 1 Pricing Policies and Procedures For quicker navigation, click on Bookmarks Tab on the top left of the PDF. Pricing Policies and Procedures Loans with borrower FICO Scores below 680 will not be
More informationWHEDA-Connect Administrators and Users Manual
WHEDA-Connect Administrators and Users Manual Page left blank intentionally. WHEDA 1.0 Overview: WHEDA-Connect 1 Last Revised Date: October 16, 2017 Table of Contents 1.0 Overview: WHEDA-Connect... 3 2.0
More informationSection 1.03 Loan Registration and Lock-in Procedures
Section 1.03 Loan Registration and Lock-in Procedures In This Policy Section This policy section contains the following topics. Related Bulletins... 2 Daily Rates and Price Notification... 2 General...
More informationSecondary Marketing Lock Desk Policies & Procedures
Secondary Marketing Lock Desk Policies & Procedures Objective is to ensure that all loans are purchased or closed at fair market prices that minimize market risk for First Heritage Mortgage Services. All
More informationMerchants Bank, National Association
Merchants Bank, National Association Encompass TPO WebCenter User Guide Full Document Processing Table of Contents Third Party Origination Website User Guide Getting Started Section 1 Gaining Initial Access
More informationQuick Reference Guide Welcome TEST USER
Welcome TEST USER HELP RETIREMENT MANAGER DEMO FEEDBACK VersionS_000 Getting Started This Retirement Manager participant website Quick Reference Guide will assist you to easily navigate and complete important
More informationSeller Procedures Delegated. Seller Portal
Seller Procedures Delegated 1 Seller Portal Summary 2 Introduction to the Seller Portal (EZCLD.LHFS.com) and review of the Loan Submission phases. TOOLS AND FUNCTIONALITY LeftNav Menu Loan Actions Menu
More informationSeller Procedures Non-Delegated. Seller Portal
Seller Procedures Non-Delegated 1 Seller Portal Summary 2 Introduction to the Seller Portal (EZCLD.LHFS.com) and review of the Loan Submission phases. TOOLS AND FUNCTIONALITY LeftNav Menu Loan Actions
More informationPMF Wholesale Lock Policies
Lock Desk Info Phone: (949) 622-1921 Lock Desk Business Hours: The PMF Lock Desk will accept locks between the hours of 7:0 am and 4:00 pm, Pacific. Lock desk staff is available between the hours of 7:0
More informationOracle Banking Digital Experience
Oracle Banking Digital Experience Mortgage Originations User Manual Release 17.1.0.0.0 Part No. E83887-01 March 2017 Mortgage Originations User Manual March 2017 Oracle Financial Services Software Limited
More informationFor Lenders. Accessing LOS: LOS is a web based program that can be accessed at the following URL address: https://los.chfa.org/los
Accessing LOS: LOS is a web based program that can be accessed at the following URL address: https://los.chfa.org/los A User ID and Password will be assigned to all users by the designated account administrator
More informationBankSouth Mortgage. Secondary Marketing Lock Policies
BankSouth Mortgage Secondary Marketing Lock Policies Revised: November 2017 General Information Locks Standard Lock Times BankSouth mortgage locks the borrower, not the property. Lockdesk hours are between
More informationGuidance notes for keying Residential Buy-to-Let property under limited company structure. Enquiry
Guidance notes for keying Residential Buy-to-Let property under limited company structure Enquiry A step-by-step guide We know that submitting cases can sometimes seem complicated and time-consuming (especially
More informationLoan Originator Workflow. General Overview
Loan Originator Workflow General Overview Responsibilities Obtaining a complete and accurate loan application. Completing all required fields within Point including but not limited to Company or Personal
More informationTO: Merchants Insurance Group Commercial Lines Agents [EXCEPT NEW YORK]
February 13, 2017 BULLETIN NO. 5622 TO: Merchants Insurance Group Commercial Lines Agents [EXCEPT NEW YORK] SUBJECT: Introduction of New Credit Card Payment Vendor Agency Bulletin Effective February 13,
More informationOracle Banking Digital Experience
Oracle Banking Digital Experience Unsecured Personal Loans Originations User Manual Release 17.2.0.0.0 Part No. E88573-01 July 2017 s Originations User Manual July 2017 Oracle Financial Services Software
More informationBankSouth Mortgage Direct. Secondary Marketing Lock Policies
BankSouth Mortgage Direct Secondary Marketing Lock Policies Revised: August 2015 General Information Locks BankSouth Mortgage Direct locks the borrower, not the property. Standard Lock Times Lockdesk hours
More informationOracle Banking Digital Experience
Oracle Banking Digital Experience Auto Loans Originations User Manual Release 17.2.0.0.0 Part No. E88573-01 July 2017 Auto Loans Originations User Manual July 2017 Oracle Financial Services Software Limited
More informationNEW LOAN REGISTRATION PROCESS
1 I N T R O D U C T I O N TO M I C H I G AN M U T U AL S NEW LOAN REGISTRATION PROCESS MIMUTUAL PORTAL PORTAL FEATURES Loan Status s Pipeline Icon Functionality Document Upload Loan Change Requests Appraisal
More informationOracle Banking Digital Experience
Oracle Banking Digital Experience Unsecured Personal Loans Originations User Manual Release 18.1.0.0.0 Part No. E92727-01 January 2018 s Originations User Manual January 2018 Oracle Financial Services
More informationCenterState Bank Financial. TPO Connect Portal User Guide
CenterState Bank Financial TPO Connect Portal User Guide Table of Contents Table of Contents... 2 Introduction... 3 Introduction... 4 Getting Started... 5 Getting Started... 6 Gaining Initial Access to
More informationMember Access Manual. Contents. Registration Process Logging In Making a Donation Donation History Account Information
Manual Contents Registration Process Logging In Making a Donation Donation History Account Information This is the first screen you will see as a new user, and for future logins. First time users must
More informationIntegrated Payments: Online Payment Control & Online Payment History Quick Reference Guide
Integrated Payments: Online Payment Control & Online Payment History Quick Reference Guide Table of Contents File Summary (Online Payment Control Only)... 2 Payment Statuses... 4 Payments Search... 5 Pending
More informationWestern Bancorp Correspondent Lending Guide
SECTION 6. PRICING AND LOCK POLICIES... 2 6.1 Lock Desk Hours of Operation...2 6.2 Lock Desk Contact and Communication...2 6.3 Loan Management System (LMS Xpress)...2 6.4 Pricing/Rate Sheet...2 6.5 General
More informationLocking and Change Request Manual. Correspondent User Guide
Correspondent User Guide Effective Date: 12/07/2015 Last Updated: 12/07/2015 Table of Contents Things to Know When Locking... 1 Loan Registration... 1 Loan Locking... 1 Change Request... 1 Registering
More informationVersion 7/07/14 REV (6/27/16) Posted 6/27/16 Page 5-i
Version 7/07/14 REV (6/27/16) Posted 6/27/16 Page 5-i 5 - Table of Contents 5 - PRICING AND COMMITMENTS... 5-1 OVERVIEW... 5-1 Description... 5-1 Selling/Delivery Methods... 5-1 Commitments... 5-1 Commitment
More informationProcedure: Tracking Brokered Out Loans Date Issued: 04/01/2014 Date Effective: 04/01/2014 Date Revised: 07/12/2018
PNP SPECIFICATIONS PNP Name/ History Procedure: Tracking Brokered Out s Date Issued: 04/01/2014 Date Effective: 04/01/2014 Date Revised: 07/12/2018 Production Channels Retail Correspondent Wholesale Accountable
More informationWholesale Pricing Policy
Wholesale Pricing Policy Flanagan State Bank is dedicated to offering great customer service, along with competitive pricing and product offerings. Rate Sheet The Flanagan State Bank (FSB) rate sheet is
More informationFREQUENTLY ASKED QUESTIONS
General Questions: Questions 1. How should store sites be named? 2. How do I get help? 3. How to request consultant/vendor access? 4. How to request FBO Vendor access? 5. How do I delete a project? Responses
More informationBusiness Bill Pay Funds Verification jxchange
JHA Payment Solutions Business Bill Pay... 1 Enrollment Process... 2 Home Page... 4 Message Center... 4 Attention Required... 5 Shortcut Method... 5 Scheduled... 5 History... 5 Since You Last Logged In...
More informationPriceMyLoan.com Broker s Guide. Revision 0705
PriceMyLoan.com Revision 0705 PriceMyLoan Introduction... 3 Create a New File... 4 Upload a Fannie Mae File... 5 Upload a Calyx Point File... 5 Loan Request Interface... 6 Loan Officer Info... 6 Credit
More informationMake a One Time Payment
Make a One Time Payment Masterpiece Platinum Portfolio Masterpiece Don t want to log in to pay your premium? Making a one-time payment is easy. Just follow the steps below to quickly pay your invoice.
More informationBrokerX. Quick Start. Supported Browsers: Internet Explorer Microsoft Edge Chrome Firefox
BrokerX Quick Start Supported Browsers: Internet Explorer Microsoft Edge Chrome Firefox Navigate to the Login Page: Access our BrokerX Portal by first going to our website at www.homexmortgage.com. Click
More informationd. This will redirect you the Encompass TPO Webportal Login Screen e. Enter your address and temporary password (from your admin )
1. Login Instructions for Website a. Receive admin temporary password email from EMM b. Login in to www.emmwholesale.com website c. Click Encompass Login Icon d. This will redirect you the Encompass TPO
More informationAIO DELIVERY ESSENTIALS-WHOLESALE
AIO DELIVERY ESSENTIALS-WHOLESALE The All In One Loan (AIO) is not subject to TRID rules, so the creation and life of this loan program follows a different path. This document will walk the User through
More informationTRID QUICK REFERENCE GUIDE
TRID TRID QUICK REFERENCE GUIDE 10.3.2015 2015 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS #1820 in most, but not all states. CMG Mortgage,
More informationMSI New Loan Submission. Table of Contents
Posted 9/25/13 Table of Contents 1 - INFORMATION... 1-1 IMPORTANT CONTACTS... 1-1 Welcome... 1-1 Contact Information... 1-1 Phone Numbers... 1-1 Mailing Address... 1-1 Dedicated Fax Line... 1-1 Web Site
More information10/23/17. Chenoa Fund Program
10/23/17 Chenoa Fund Program Disclaimer While every effort has been made to ensure the reliability of the webinar content, PRMG s product profiles and their updates, are the official statements of PRMG
More informationQuick Reference Guide Welcome TEST USER
Welcome TEST USER HELP RETIREMENT MANAGER DEMO FEEDBACK VersionE_000 Getting Started This Retirement Manager participant website Quick Reference Guide will assist you to easily navigate and complete important
More informationSTEVEN G. TATE, STANDING CHAPTER 13 TRUSTEE. May 3, 2018 EPAY FREQUENTLY ASKED QUESTIONS (FAQ)
Page 1 of 6 STEVEN G. TATE, STANDING CHAPTER 13 TRUSTEE 212 Cooper Street Statesville, North Carolina 28677 E-mail: epay@ch13sta.com May 3, 2018 EPAY FREQUENTLY ASKED QUESTIONS (FAQ) epay Questions...
More informationCOLLEGE OF DUPAGE PAYMENT PLAN FREQUENTLY ASKED QUESTIONS
COLLEGE OF DUPAGE PAYMENT PLAN FREQUENTLY ASKED QUESTIONS How does the Payment Plan work? The Payment Plan allows students to make installment payments instead of paying the balance in full at time of
More informationApplication Portal Guide
Application Portal Guide June 2018 Login email johnsmith@email.co.uk password ******** Call 03333 701 101 or visit www.pepper.money to discover more. Aimed at Professional intermediaries only; not for
More informationCAPITAL MARKETS MANUAL
Section 1 INTRODUCTION 1.1 Overview The NewLeaf Wholesale Rate Lock Policy defines the rate lock, extension, and renegotiation policies of NewLeaf Wholesale ( NewLeaf ). NewLeaf offers a variety of lock
More informationDashboard. Dashboard Page
Website User Guide This guide is intended to assist you with the basic functionality of the Journey Retirement Plan Services website. If you require additional assistance, please contact our office at
More informationGlobal Transaction Banking Products & Services. Business Tax Payment Service
Global Transaction Banking Products & Services Business Tax Payment Service November 2016 Table of Contents Introduction to Scotiabank s Business Tax Payment Service... 3 Service Overview... 3 Registration
More informationProduct Eligibility and Pricing Services. Loan Originator User Guide
Product Eligibility and Pricing Services Loan Originator User Guide Table of Contents Table of Contents Log In... 1 Enter New Loan Data... 1 Evaluate Products... 6 Analyze Search Results... 6 Update Search
More informationCorrespondent Lending. Getting Started with Banc of California
Correspondent Lending Getting Started with Banc of California April, 2017 Account Executive Contact Information Portfolio Correspondent Lending Division 3 MacArthur Place, Santa Ana, CA 92707 Key Contacts
More informationStandard Operating Procedure. 7 Mortgage
Partner MLO Process Flow Overview: Standard Operating Procedure 1. Login into Mortgage Cadence Weblink 7 Mortgage 2. Input and Submit the Application. If member input, review Edit 1003 pages. 3. Review
More informationOPERATIONS LOAN PROCESSING PROCEDURE REG B - HANDLING INCOMPLETE FILES
PNP SPECIFICATIONS PNP Name/ History Procedure: Reg B - Handling Incomplete Files Date Issued: 02/05/2016 Date Effective: 02/05/2016 Date Revised: 02/02/2017 Production Channels Retail Correspondent Wholesale
More informationSecure Website Encompass Loan Center
What is housed in this website? NOVA Home Loans uses a secure website where you can access your NOVA loan documents 24-hours a day. In this secure website, you will find the documents associated with your
More informationQuick Reference Guide Payment & Tax details for Incentive Programs using CHIP page 1
Payment & Tax details for Incentive Programs using CHIP page 1 New online experience for payment details on CHIP actions required 1. Microsoft is pleased to announce a new online experience* for payment
More informationMichigan State Housing Development Authority
Michigan State Housing Development Authority 6/29/2018 Topics Covered in this Training 1. MI First Home & MI Next Home Programs 2. Down Payment Assistance 3. MI First Home Program Highlights 4. MI Next
More informationTRAVEL PORTAL INSTRUCTIONS
TRAVEL PORTAL INSTRUCTIONS Date: June 22, 2018 Version: Version 3.1 Prepared By: Berkley Canada Table of Contents 1 ACCESSING THE PORTAL... 3 1.1 LOGIN & LOGOUT... 3 1.2 RESET YOUR PASSWORD... 3 2 THE
More informationInternational ACH Transactions (IAT) through KeyNavigator SM
International ACH Transactions (IAT) through KeyNavigator SM Revised (10/17) Table of Contents Page 1. Introduction 3 2. International ACH Transaction Basics 3 2.1 Sending Payments 3 2.2 Effective Date
More informationWhen pricing changes occur during the day, updated rate sheets are distributed. (Refer to the Intra-Day Price Change process)
INTRODUCTION Many products and pricing options are offered to meet market demand. RATE SHEETS Rate sheets provide program and pricing information. Rate sheets are distributed in the morning of each business
More informationRev. 9/13/16. Lock Desk Policy & Procedure
Rev. 9/13/16 Lock Desk Policy & Procedure Hours of Operation: 8 am to 4 pm PST on days that the MBS markets are open. [note: Investor partner First Guaranty Mortgage Corporation s (FGMC) daily pricing
More informationPropertyware epayments. Powered by RealPage
Propertyware epayments Powered by RealPage Page i Copyrights 2002-2011 Propertyware, Inc. All rights reserved. No part of this publication may be reproduced, transmitted or stored in any archives without
More informationJeffco Student Fee Payment Frequently Asked Questions
Jeffco Student Fee Payment Frequently Asked Questions How do I access the Jeffco Student Fee Payment? Parents will sign into their Jeffco Connect account to make student fee payments. If you have forgotten
More informationMichigan State Housing Development Authority
Michigan State Housing Development Authority 3/31/2017 Topics Covered in this Training 1. MI First Home & MI Next Home Programs 2. Down Payment Assistance 3. MI First Home Program Highlights 4. MI Next
More informationDisclosing a Loan 10/26/2017
0/26/207 Introduction: In this training material and supplemental training exercises, we explore the items necessary to disclose a loan. We will step by step walk you through the general processes and
More informationHSA Investment Account Set Up Guide
HSA Investment Account Set Up Guide Thank you for enrolling in the Mercantile Bank HSA Investment Account! Now that you have completed the application process, you will need to follow the steps below in
More informationHabitat for Humanity: Community Impact Fund Program (Round 3) Reservation Manual and Document Uploading Guide
r Habitat for Humanity: Community Impact Fund Program (Round 3) Reservation Manual and Document Uploading Guide Revised March, 2018 The Illinois Housing Development Authority 111 E. Wacker Dr. Suite 1000
More informationUSERS MANUAL FOR ACCESSING, COMPLETING AND SUBMITTING THE DEPARTMENT OF STATE S EXCHANGE VISITOR PROGRAM (EVP) FEE PAYMENT FORM (Private Form) VIA
USERS MANUAL FOR ACCESSING, COMPLETING AND SUBMITTING THE DEPARTMENT OF STATE S EXCHANGE VISITOR PROGRAM (EVP) FEE PAYMENT FORM (Private Form) VIA PAY.GOV April 14, 2008 TABLE OF CONTENTS Page 1. Introduction
More informationIndiana Farmers Billing FAQs
1. What pay plans do you offer? We offer annual, semi-annual, quarterly, and monthly billing. 2. Do any of the pay plans have billing fees? Our monthly billing plan is the only pay plan that has a service
More informationRegistration page on PayFlexDirect.com
1 2 Registration page on PayFlexDirect.com When a Retiree visits https://retiree.payflexdirect.com/employeelogin.aspx for the first time, they must register their account. The member will need to click
More informationLoan Registration and Lock Policies. Client Guide Chapter 3
Loan Registration and Lock Policies Client Guide Chapter 3 Gateway Mortgage Group, LLC Correspondent Lending Division Client Guide 11/05/2018 TABLE OF CONTENTS Chapter 3 Daily Rates and Price Notification
More informationLoan Registration and Lock Policies
Loan Registration and Lock Policies Client Guide Chapter 3 1 Gateway Mortgage Group, LLC Correspondent Lending Division Client Guide_ Rev. 6.28.17 TABLE OF CONTENTS Chapter 3 Daily Rates and Price Notification
More informationVHFA Loan Origination Center
User Guide 1 How to Access 3 Where to access (1) www.vhfa.org Home Page > (2) Business Partners > (3) Loan Origination Center 1 2 3 4 Access & Log In 5 First time access (1) Enter Lender ID, Username and
More informationResponsible Lending Requirements & Objectives FAQs Non-Electronically Lodged Broker Loans
Responsible Lending Requirements & Objectives FAQs Non-Electronically Lodged Broker Loans Responsible lending requires us to have detailed conversations with customers to understand their requirements
More informationMyPenPay User Guide. Login Page
MyPenPay User Guide MyPenPay is an online payment information system that FCA is making available to their retirees. The system offers retirees easy access to information regarding their pension payments.
More informationTRID TILA RESPA Integrated Disclosure. September 29, 2015 Select Partner Process Overview
TRID TILA RESPA Integrated Disclosure September 29, 2015 Select Partner Process Overview 1 Objectives Important Definitions Product Delivery SP Workflow Overview CMG Drawn Docs Process SP Drawn Docs Process
More informationPatient Setup Screen
The Patient Setup Screen is used to create a new patient chart or modify an existing patient s chart. After opening the Patient Setup screen you will have the ability to choose the correct Patient Tab
More informationIHDA Commitment / Reservation Manual
r The Homeownership Department IHDA Commitment / Reservation Manual Revised April, 2015 Revised September, 2015 Revised March, 2016 Revised August, 2016 Revised October, 2016 Revised June, 2017 Revised
More informationMortgage Cadence User Guide Reserving a VHDA Down Payment Assistance Grant
Purpose Mortgage Cadence User Guide Reserving a VHDA Down Payment Assistance Grant Link to Mortgage Cadence This quick reference guide provides a step-by-step list of actions to reserve a VHDA Down Payment
More informationGet Ready for Payroll Year End April 2008
Get Ready for Payroll Year End April 2008 Tips for a successful year end Remember: All users who file online must be registered with HMRC via their Online services Web site. After you register with HMRC
More informationMORRIS 2.0. Updates to our Wholesale Mortgage Portal. Equal Housing Lender Member FDIC NMLS#
1 MORRIS 2.0 Updates to our Wholesale Mortgage Portal What s New? MORRIS 2.0 2 LOGIN Lock out period from 60 days to 90 days PRODUCTS & PRICING 15-day pricing scenarios are now available (not eligible
More informationProcessing FHA TOTAL Mortgages
Introduction This reference contains information to help you process Federal Housing Administration (FHA) mortgages using Freddie Mac Loan Product Advisor SM, including information on data entry requirements,
More informationWELCOME TO INTERNET BANKING. Provided by Scottish Widows Bank
WELCOME TO INTERNET BANKING Provided by Scottish Widows Bank INTRODUCTION INTERNET BANKING PUTS YOU IN CONTROL OF YOUR BANKING BY GIVING YOU THE FLEXIBILITY TO ACCESS YOUR SCOTTISH WIDOWS BANK SAVINGS
More informationTable of Contents. Part I Processors. Byte User Guide. 1 Processing. Appraisal Review. Multiple Branches. Order Title Order Hazard Insurance
2 Table of Contents Part I 1 Processing... 3 Appraisal Review... 3 Agency Case Num... ber 3 Agency Case Num... ber Date 3 HPML Loans... 4 Multiple Branches... 4 Export FNMA 3.2... File 4 Order Title...
More informationICICI Bank Canada Student GIC Program Guide Complete Steps
ICICI Bank Canada Student GIC Program Guide Complete Steps This program guide outlines the details of the ICICI Bank Canada Student GIC Program, effective October, 2015. Unless otherwise stated, all fees
More informationPayment Center Quick Start Guide
Payment Center Quick Start Guide Self Enrollment, Online Statements and Online Payments Bank of America Merrill Lynch May 2014 Notice to Recipient This manual contains proprietary and confidential information
More informationMORTGAGE PRODUCT TRANSFER SERVICE
MORTGAGE PRODUCT TRANSFER SERVICE Everything you need to know about using our service WELCOME Thank you for choosing to use our product transfer service. When it comes to renewing a customer s mortgage,
More informationIHDA Commitment / Reservation Manual
r The Homeownership Department IHDA Commitment / Reservation Manual Revised April, 2015 Revised September, 2015 Revised March, 2016 Revised August, 2016 Revised October, 2016 Revised June, 2017 The Illinois
More informationGFE/TIL AND COC WORKFLOW
Table of Contents Page 1 of the GFE... 2 Tolerance Levels... 5 Page 2 of the GFE... 7 Box 6 of the GFE... 12 How to Calculate Transfer Tax... 13 Page 3 of the GFE... 14 Events Triggering Re-disclosure...
More informationDTE Energy retirees: Welcome to PayFlex
DTE Energy retirees: Welcome to PayFlex You are enrolled in a Retiree Reimbursement Account (RRA). Your new RRA comes with some great tools to help you manage your account. Through the PayFlex member website,
More informationFGMC Correspondent Announcement: First Guaranty Mortgage Corporation Correspondent Lending Seller Guide Updates
01-30-2017 FGMC Correspondent Announcement: First Guaranty Mortgage Corporation Correspondent Lending Seller Guide Updates The Seller Guide has been updated to include changes to the following: Loan delivery
More informationSmart Exit Digital Process for FundsAtWork
Smart Exit Digital Process for FundsAtWork Help guide At Momentum we are always innovating and looking for ways to improve our processes and make our clients lives easier. With that in mind we ve developed
More informationRATE LOCK POLICY & PROCEDURES
RATE LOCK POLICY & PROCEDURES Rate Sheets Lock Hours Lock Periods Rate Sheets are distributed every day (a.m.) via fax and/or email to all offices [brokers, loan offices, email, web]. Rate sheet changes
More informationezbusiness // User Guide
ezbusiness // User Guide Getting Started...2 Logging In... 2 View Account Details... 2 Setting Alerts...4 Updating Cardholders...5 Adding a New Cardholder... 5 Removing a Cardholder... 6 Editing a Cardholder
More informationUniform Collateral Data Portal Reference Series for the Lender Admin: 1- Lender Admin Registration
Uniform Collateral Data Portal Reference Series for the Lender Admin: 1- Lender Admin Registration The Government-Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, have developed the Uniform Collateral
More informationClaims Packaging Tool Servicer Support User Manual Version 1.0 Effective Date : 07/11/2018
Claims Packaging Tool Servicer Support User Manual Version 1.0 Effective Date : 07/11/2018 Table of Contents Claims Packaging Tool (CPT) Overview...3 CPT Servicer Use... 3 Flow Chart and Timeline...4 Claims
More informationHSA Advantage Participant Portal Highlights
HSA Advantage Participant Portal Highlights Chard Snyder www.chard-snyder.com email: askpenny@chardsnyder.com Overview Welcome to the HSA Advantage TM Participant Portal! Here is a quick look at some of
More informationWebinar: How NEST can help you support clients with auto enrolment
Webinar: How NEST can help you support clients with auto enrolment Questions and answers February 2016 Choosing to use NEST 1. Is a NEST pension scheme always a qualifying scheme for auto enrolment? Yes,
More information