Kentucky Housing Corporation TPO LENDER TRAINING

Transcription

1 Kentucky Housing Corporation TPO LENDER TRAINING

2 KHC Funding Source SECONDARY MARKET

3 Lender Relationship Third Party Originator Lender Originate, process, KHC credit and compliance underwrites for ALL loans, KHC prepares closing package and handles any post closing issue Compensation and fees 2.0% of total loan amount UW fee of $495 paid to KHC on all loans Administration Fee of $125 paid to KHC on all loans

4 Program Guides

5 Secondary Market Funding Source Applicants Income Only Income Limits ($98,875 - $130,725 Range) Based on County of property location Purchase Price & Refinance Limit $282,000 First time and Repeat Homebuyers Statewide

6 Secondary Market Income Limits Secondary Market Applicant s Income ONLY: Jefferson: $116,200 Fayette: $116,550 Northern KY: $130,725 Warren: $108,500

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8 Additional Web pages Program Guides and Quick Reference Cards

9 Compliance & Effective Income Applicant s Income ONLY Compliance Income (Income Limit) All possible income projected over the next 12 months Over-time Second Job Child Support Bonuses Effective Income Qualifying Income Per Agency guidelines

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11 Should ALWAYS default to Secondary Market unless loan includes KHC s Tax Credit or if MRB Special Funding Program

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15 Income Limit

16 KHC First Mortgage Programs FHA, RHS, VA AND CONVENTIONAL NO MI PROGRAM CONVENTIONAL WITH MI PROGRAM

17 Purchase FHA VA RHS First Mortgage Programs Purchase & Refinance Conventional No MI Program Conventional With MI Program Reduced Charter Coverage Refinance FHA Streamline (Non-credit Qualifying) Refinance FHA Streamline (Credit Qualifying) Refinance FHA Simple Refinance FHA Rate Term Refinance RHS Streamlined-Assist Refinance Program Conventional 80% or Less LTV not available at this time

18 Property Guidelines Single family, 1-unit, owner occupied in KY New & existing property Manufactured Housing Government Loans only FHA/VA New & Existing RHS New Affidavit of Conversion to Real Estate Condominiums Agency Guidelines

19 KHC Credit Overlays FHA, VA & RHS Programs $282,000 Purchase Price Limit 620 Credit Score 40% / 45% Max Ratios AUS Approval Required DU or LP GUS for RHS Secondary Market Income Limit-Applicant Only Conventional 97 No MI & With MI $282,000 Purchase Price Limit 660 Credit Score 40% / 45% Max Ratios Hard Stop DU Approve/Eligible Required LP not accepted Secondary Market Income Limit-Applicant Only

20 RHS Program ACCESS TO GUS THROUGH KHC 6/1/2017

21 Access to GUS If already using GUS with other investors: Need e-authentication ID for individuals so we can add as a Lender Agent (TPO) for KHC. If not already using GUS/nor have an e- Authentication ID: Sign up for RHS Security Access Level 1 at: lfregistrationform.aspx?level=1 Once set up, send e-authentication ID to add to our system as a Lender Agent (TPO) for KHC. Select KHC when uploading application.

22 Conventional Programs SPECIAL DESIGNATIONS

23 Entering Conventional with & without MI Program in DU Loan must be run through DU Approve/Eligible required No manual underwriting LP will not be accepted Select Additional Data Screen Under Community Lending Information Choose HFA Preferred Risk Sharing for Conventional without MI Special Feature Code: 820 Choose HFA Preferred for Conventional with MI Special Feature Code: 741 Community Seconds: Regular or Affordable DAP Special Feature Code: 118

24 Additional Data Screen Community Lending Information

25 Choose HFA Preferred when utilizing Conventional with MI Choose HFA Preferred Risk Sharing when utilizing Conventional with NO MI

26 Homebuyer Education Conventional Only Follow your DU findings If all borrowers obtaining loan are first time home buyers (no ownership interest in the last 3 years) at least one borrower must complete prepurchase home-buyer education and counseling Online session, workshop, telephone, classroom, or face to face tutorial MGIC or other online education course that issues a certificate

27 Conventional Changes Elimination of most recent year tax transcripts. Follow AUS findings. Borrower(s) can own other real estate property at closing. Follow Agency Guidelines. Fannie Mae SEL Student Loan payment on credit report. Exclude non-mortgage debt paid by others for 12 months.

28 KHC Conventional vs. Home Ready HFA Preferred & Preferred Risk Sharing Higher Income Limits Secondary Market DAP access No MI option Lower MI payments Counseling can come from multiple sources Home Ready Lower Income Limits 100% AMI No DAP Higher MI payments

29 Mortgage Insurance MI Companies Arch MI Essent Genworth MGIC Charter Coverage % = 18% % = 16% % = 12% 85 81% = 6% Single Pay Premium - Upfront Borrower or Lender Paid DAP

30 Terms Interest Rate FHA W/ DAP Conventional No MI W/DAP Conventional with MI W/DAP 4.25% 5.125% 4.625% Base First Mortgage Financed MI Total First Mortgage Amount $144,750 $145,500 $145,500 $2,533 N/A $4428 Single Premium $147,283 $145,500 $145,500 Monthly MI $ N/A N/A Monthly Payment Monthly Savings $ $ N/A $34.84 savings vs FHA $44.59 savings vs Conventional and $79.43 savings vs FHA Based on $150,000 purchase price, 30 years fixed interest rate.

31 KHC s Home Buyer Tax Credit SEPARATE APPLICATION PROCESS O NE TIM E FEE TO PA RTICIPATE $1,000

32 KHC s Home Buyer Tax Credit A Tax Credit of 35% of annual mortgage interest paid in a calendar year. Up to $2000 per year. Life of the Loan $200 fee if through KHC s Secondary Market DAP, Seller or Borrower can pay this fee $500 fee if through any other investor s 30 year fixed mortgage

33 $140,000 Loan Amount at 4.0% Fixed Interest Rate Amortized over 30 years.

34 Borrower Eligibility for the Tax Credit Borrower must meet MRB requirements First-time home buyer in non-targeted counties or all home buyers in targeted counties Maximum purchase price of $253,800 Gross Annual HOUSEHOLD Income must be under the MRB/MCC Income Limit for county and household size (page 14 of SMP Guide) Must be borrower s primary residence If interested in this program let us know!

35 Regular DAP Affordable DAP HHF DAP (when available) Down Payment Assistance Programs DAP

36 Regular DAP Up to $6, % interest rate for 10 years Income under the Secondary Market Income Limit New & existing property

37 Affordable DAP Up to $4,500 1% interest rate for 10 years Applicant s Income under Affordable Income Limits New & existing property

38 Affordable DAP Applicant(s) Income Limits

39 HHF DAP $10,000 Non-repayable forgiven over 5 years Secondary Income limits Home purchase must be located in certain counties Christian, Hardin, Jefferson or Kenton First time home buyers (no ownership interest in last 3 years) Existing Property No New Construction Does not meet TRID requirements so utilize GFE and HUD-1 Not Available at this time! Stay tuned to egrams

40 KHC DAPs All take a second lien position. Can be used with other Down payment Assistance Programs as long as KHC s DAP stays in second lien position and meets agency guidelines. Welcome Home Funds Norton Employer Assistance City/Government Monies such as Louisville Metro Monies First Mortgage not required to be at maximum LTV. DAPs can work with seller paid closing costs, non-khc DAPs, gifts and borrower s own funds.

41 Interest Rates PRICED WITH & WITHOUT DAP 45 DAY LOCK

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45 Changes to Loan Reservation

46 Change/Extend/Cancel 30 days maximum extension (.50%) 7 days at.125% 15 days at.25% Change loan amount or purchase price khcuw@kyhousing.org to change any of the following Address Social Security Number First Mortgage Loan Type Addition/Deletion of DAP Worse Case Pricing after 30 day extension ext. 291

47 Appraisal ARIVS

48 Ordering Appraisal for FHA, RHS & Conventional If FHA, a case number request has to be completed Done electronically through KHC s Reservation System TPO Lender orders the appraisal Pay for this service at time of request with credit card MDIA $495 FHA/RHS & $425 Conventional Track progress of the appraisal online NEVER upload the appraisal to KHC s Reservation System KHC receives directly from ARIVS

49 Appraisal Ordering Workflow Once appraisal is completed sent to both the TPO Lender and KHC giving access to the appraisal KHC will underwrite the appraisal simultaneously with the credit package Additional appraisal information requested will be included in the pend conditions KHC will send copy of appraisal to borrower within a week of completion and review by KHC If Final Inspection is required, lender will order Final Inspection Fee $150

50 Approved TPO Closing Agents

51 Approved Closing Agents Agency Title, INC. American Title Company, INC. American Title Services, LLC., DBA 360 American Title Services Barrister Title Group DBA Mooser & Associates, LLC Bluegrass Land Title, LLC. Borders & Borders, Attorneys Capital Title, LLC. Executive Title Company Foreman Watson Land Title, LLC. Gess Mattingly & Atchison, P.S.C. Kemp Title Agency, LLC Kentucky Mountain Land Title, INC. Law Offices of Harold M. Johns Lee M. Harton, PLLC Limestone Title & Escrow, LLC. Mainous & Grant, PLLC. Mattingly Ford Title Services, LLC. McMurry & Livingston, PLLC. Millennial Title, LLC Pitt & Frank, LLC Ralph Hoskins, Attorney at Law Reynolds, Johnston, Hinton & Pepper, LLP. Springdale Title, LLC.

52 TPO Approved Closing Agent Fees Approved Closing Agents Settlement Fee Title Policy provided by Closing Agent = $500 Title Policy NOT provided by Closing Agent = $700 Settlement Fee includes any: Courier Fee Wire Fee Travel Fee Notary Fee Processing Fee

53 TPO Approved Closing Agent Fees Lender s Title Insurance Closing Protection Letter Owner s Title Insurance Settlement Fee $700 $500

54 KHC s Loan Reservation System RESERVE FIRST MORTGAGE AND DAP

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56 Click on Log In

57 You will need: Broker ID User Name Password Specific to YOU If you do not have the ID, User Name and Password then contact your company s KHC System Administrator Once you enter Broker ID, User Name and Password click on Log In

58 Click on Import Loan

59 Click on Select File

60 Select the file to upload

61 Once the file is selected then click on Import File

62 Wherever you see the Thumbnail you can open or collapse You can follow status Once the file is imported then the Loan Review Screen will appear

63 1. Review information for accuracy 2. Choose Property Type Choose Intended Loan Type After completion of the Loan Review Screen then click on Additional Loan Info under workflow on left side

64 Choose Loan Officer Choose Loan Processor AUS

65 AUS Input credit score & select Repository

66 Complete ALL applicable fields Household Size, Annual Income, Appraised Value, Application Date, APR (from your initial Loan Estimate), and AUS ID. Attaching a DAP? Closing Agent Question on Additional Loan Info Tab

67 When complete click on Rate Lock If intended loan type is Conventional then there will be an additional drop down box to choose MI company

68 Click on Select Product

69 Check Product and click on Apply

70 The Product highlighted in green is the one chosen. If correct click Close Window

71 Click on Select Pricing

72 Click on Apply

73 The interest rate highlighted in green is the one chosen. If correct click Close Window

74 The loan is NOT Locked yet until you CLICK on Lock Loan

75 NOW the Loan is LOCKED! See Lock Expiration Date. Click OK Status is changed to Reserved

76 Since this loan has a DAP then you will need to click on Add DAP Loan

77 Click OK and 1003 data from First Mortgage will automatically upload!

78 Click OK unless you do NOT need the DAP

79 Since a second loan (DAP) has been created you now need to Click on Switch Loan

80 Enter DAP Loan Amount

81 Click on Select Product

82 Check Product and click on Apply

83 The Product highlighted in green is the one chosen. If correct click Close Window

84 Click on Select Pricing

85 Click on Apply

86 The interest rate highlighted in green is the one chosen. If correct click Close Window

87 Fees The loan is NOT Locked yet until you CLICK on Lock Loan

88 Fees Status is changed to Reserved NOW the Loan is LOCKED! Click OK

89 Once the DAP Rate is Locked then click on TRID Documents Printing

90 FIRST: Make sure in DRAFT Mode SECOND: Click Get Package Docs to generate DRAFT-TRID DAP Documents

91 Lender may select all documents or view/print/ a particular document

92 FIRST: When ready to FINALIZE: Be sure all fees are correct, because once the mode is changed to FINAL the fees are locked down unless a change of circumstance occurs. SECOND: Click Get Package Docs to generate FINAL-TRID Documents

93 Click View/Print

94 Fees Click on SWITCH LOAN to go back to the first mortgage

95 Fees Click on Document Printing for the First Mortgage All documents will populate to be printed: Reservation Confirmation Underwriting File Upload Checklist After first mortgage and DAP (if applicable) are locked and forms printed then in order to generate the LE for the first mortgage CLICK on Fees

96 Fees Auto-Populated The following fees auto-populate on First Mortgage Loan Estimate: Underwriting Fee $495 Administrative Fee $125 Appraisal Fee for FHA or RHS $495 Appraisal Fee for Conventional $425 Appraisal Fee for VA $425 Flood Certification $14 if KHC orders Lender can change amount if their company is ordering MCC Fee $200 (if there is a MCC)** Closing Agent Settlement Cost** $500 or $700 The following fees auto-populate on The DAP LE: DAP Document Prep Fee $50 and $26 Recording Fee ** If not auto-populated then add **

97 Additional Fees -- Non-Populated If Applicable Credit Report VOE Fee DU/LP Fee Extension Fee When interest rate extended in KHC s Loan Reservation System then it will auto-populate. A Changed Circumstance and new Loan Estimate will need to be printed Flood Insurance Final Inspection - $150 ( if required) Termite Inspection Structural Engineer Inspection Home Inspection Survey Hazard Insurance Premium Tax and CPL Owner s Title Insurance Lender s Title Insurance One line item for all additional title services

98 Loan Estimate Buckets Easier to use the Buckets A thru J and Calculating Cash to Close A Origination Charges B Services You Cannot Shop For C Services You Can Shop For D Total Loan Costs (A+B+C) E Taxes and Other Government Fees F Prepaids G Initial Escrow Payment at Closing H Other I Total Other Costs (E+F+G+H) J Total Closing Costs

99 Bucket A Origination Charges Easiest way to navigate by the buckets $125 To edit a fee click on the button

100 Bucket B Services You Cannot Shop For To edit a fee and/or add the payee click on the button Settlement Charge is $500 if Closing Agent providing Title Policy but $700 if NOT providing Title Policy $495

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102 Add Provider Name and then click OK

103 Click OK

104 Bucket C Services You Can Shop For The Pest Inspection Fee is disclosed in Bucket C if Loan is VA Loan or required by Appraisal

105 Bucket E Taxes & Other Government Fees

106 Bucket F Prepaids Enter Annual Hazard Insurance Premium. Interest automatically calculates at 15 days

107 Bucket G Initial Escrow Payment at Closing Click on Pencil to add reserves for Taxes and Hazard Insurance

108 Add Annual County Property Taxes then click on Edit Escrow Schedule

109 Check the Month this payment is disbursed (it defaults to October for Taxes) system will automatically calculate the number of required months in reserves then Click OK

110 Click OK

111 The County Property Tax Reserve is populated Do the same for Hazard Insurance Reserve Do NOT override Aggregate Adjustment or Mortgage Insurance Reserve does not disclose on LE but does on CD

112 Bucket H Other Must disclose cost The Pest Inspection Fee is disclosed in Bucket H if not a VA Loan or not required by the Appraiser

113 Bucket J Only used by TPO for a Tolerance Cure

114 Bucket K Do NOT need to go into this bucket it is for CD

115 Bucket L Calculating Cash to Close DAP Seller Paid Closing Costs GIFT

116 After completing Bucket L Click on TRID Doc Printing.

117 FIRST: Make sure in DRAFT Mode SECOND: Click Get Package Docs to generate DRAFT-TRID Documents

118 PLEASE NOTE: Lenders can print/view/edit the Loan Estimate as many times as they need to get it right as long as it is in DRAFT mode it will have a DRAFT watermark on it. Lender may select all documents or view/print/ a particular document

119 FIRST: When ready to FINALIZE: Be sure all fees are correct, because once the mode is changed to FINAL the fees are locked down unless a change of circumstance occurs. SECOND: Click Get Package Docs to generate FINAL-TRID Documents

120 Lender may select all documents or view/print/ a particular document

121 Loan Estimate You can print and change as many times as you want as long as in DRAFT mode Once in Final mode cannot make any changes unless you do a Change of Circumstance The date of the LE will be the date the LE is finalized Needs to be within the 3 days of application date, OR An earlier LE and a new change of circumstance for KHC s LE (initially went through another investor, ETC ) So review, review, review to ensure you have all fees correct. Any cost to cure will be collected from the TPO Lender

122 Common Errors Owner s Title Insurance cost not entered Escrow Setups Be sure to print out and review before finalizing the Loan Estimate.

123 After printing TRID Doc Printing then click on Document Printing

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125 KHC Underwriting Checklist

126 Requesting FHA Case Number

127 After printing TRID DOCs and DOCUMENT PRINTING then Click on FHA Case Number if applicable.

128 If FHA Loan, this form can be printed from Document Printing

129 Under Select Task click on KHC FHA Case Number Request Then Click on Select File to upload the FHA Case Number Request Document, Purchase Contract, and Page one of Loan Application Then Click Submit

130 FHA Case Number After KHC receives the FHA Request Form along with required documentation within hours the FHA Case Number is entered on the FHA Case Number Tab. An notification is sent to the Loan Officer/Processor listed in Additional Loan Data screen notifying them it is available.

131 KHC s Loan Reservation System CHANGES TO RESERVED LOAN

132 Changes to Reservation Loan Amount and Purchase Price can all changed while in RESERVED status ONLY Once Underwriting File is uploaded then ONLY extension to interest rate or cancellation of reservation is available

133 Most changes to the reservation can be made by the lender Once you enter Broker ID, User Name and Password click on Log In

134 Choose applicable loan

135 To make changes to the Expiration Date click on RATE LOCK

136 You can extend for a total of 30 days (7 day, 15 day intervals or all at once) see applicable fees

137 The confirmation of the loan being extended for both the First Mortgage and DAP if applicable

138 It will then populate the Extension Fee amount & new Lock Expiration Date You have the option to cancel loan. If a loan is NOT a viable deal promptly CANCEL.

139 Change of Circumstance EXTENSION FEE PAID BY THE BORROWER

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141 Change of Circumstance HOW TO ADD A KHC HOME BUYER TAX CREDIT

142 Change of Circumstance Click on the Fees tab Choose appropriate Bucket and change the applicable fee Click on Change of Circumstance Tab Choose appropriate Bucket The changed fee(s) is highlighted Choose reason for the change TRID Documents Printing Print the updated Loan Estimate, Addendum and Change of Circumstance form

143 Fees Adding an MCC so need to disclose the $200 MCC fee. Click on the Pencil to include the fee

144 Fees Add the $200 fee and click OK

145 Fees Click on Change Circumstance

146 Fees 808 MCC Fee $200 When a change is made it is highlighted. Click on the Pencil to choose reason for change to this specific fee. If a change is made and is in violation of RESPA then it will show up highlighted as RED not YELLOW.

147 10/09/2015 Make sure both Dates Match the date of COC Fees Reason: Lock Extension Not a Valid Reason Property Type Change Legal Address Error Property Value Change Borrower Requested Change in Loan Terms/Product Credit Qualify Change Due to New Info Received 808 MCC Fee $ Choose Change of Circumstance Reason from drop down then click OK. Then go to TRID Documents Printing

148 FIRST: Make sure in DRAFT Mode SECOND: Click Get Package Docs to generate DRAFT TRID Documents and Change of Circumstance Form

149 FIRST: Make sure in FINAL Mode SECOND: Click Get Package Docs to generate FINAL TRID Documents and Change of Circumstance Form and click on the View/Print

150 Electronic Upload KHC S RESERVATION SYSTEM

151 Document Upload For Multi Function Devices and scanners the below settings will need to be made standard so that the quality of scanned files is optimal: 300 dpi Black & White (not grayscale as that will create significantly larger image files Auto-Sense Page Size No Page Scaling Don t Compress or Zip Files If you have questions please contact your technical support staff.

152 Document Upload Only one BUNDLE PDF File BUNDLE checklist of items needed prints when reservation is made TPO Lenders: Upload: Underwriting File Underwriting Pend Conditions

153 Electronic Upload UNDERWRITING FILE

154 Click on Document Upload

155 Select Underwriting File

156 Select Borrower Name Click on Select File File needs to be ONE BUNDLE PDF file

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158 Once file has been selected then click on UPLOAD button

159 Once the UW File is listed under Task then file has been successfully uploaded!

160 Workflow KHC UNDERWRITING

161 KHC Underwriting Credit and Compliance Underwrite FHA, VA, RHS and Conventional Typically 3-4 business day turn-time If item(s) are left out of initial electronic Underwriting File upload AND the file has not been underwritten by KHC then send those items to

162 Loan Status Changes After initial underwriting review Loan Officer and Loan Processor (the ones selected in Additional Data Screen) will receive notification The status on the above referenced loan has been changed, please log into KHC website for details Lender will go to Document Printing to print the Pend Letter, Commitment Letter or Denial Letter

163 Clearing Pend Conditions GNMA & MRB Funding Sources Electronically Upload the Underwriting Pend Conditions of specific loan in KHC s Loan Reservation System Pend Condition Task

164 Underwriting Tips GNMA & MRB Funding Sources 1. Follow KHC s Underwriting Checklist. 1. Submit complete file. 2. Do not submit multiple copies of forms. 3. Do not submit items if not requested. 2. Review what is being submitted. 3. Potential issue/situation, ask questions before submitting file. 4. Pended Loans -- submit all conditions at same time. 1. Upload to Underwriting Pend Conditions 5. All forms are completed/signed by all applicable parties. 6. FHA loans only need first two pages of Initial A. 7. Income Calculator Choose right funding. 1. Secondary Market 2. MRB/MCC 8. Federal Tax Returns/Tax Transcripts only needed with: 1. KHC s Home Buyer Tax Credit / MRB 2. HHF DAP.

165 Approved Loan KHC S COMMITMENT LETTER

166 Click on Document Printing to print Commitment Letter

167 Fee Sheet

168 Approved Loan SCHEDULE CLOSING

169 Closing Disclosure Provided to consumers at least three business days before consummation of the loan Does include Saturday in the counting of the 3 business days KHC is NOT open on Saturday so no mailings or closings can occur on a Saturday.

170 KHC Closing Disclosure Timeline Lender receives Approval 5 business days minimum to close If hand-delivered (by Lender) Closing date subject to availability closing@kyhousing.org to see if date and time is available Schedule Closing In KHC s Reservation System KHC does not allow closings on Saturdays

171 Schedule closing Can only access the Schedule Closing tab once loan is approved Fee Sheet and Closing Agent Fee Sheet Print from Document Printing with Commitment Letter (Approval) Need to upload completed versions along with pre-closing items listed on Fee Sheet when scheduling the closing Submit invoices for fees

172 Once you enter Broker ID, User Name and Password click on Log In

173 Choose the applicable Approved Loan by clicking on the pencil/tablet to the left of name

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175 Choose Preferred Closing Date & Preferred Closing Time Select Approved TPO Closing Agent from Drop-down box. Answer Flood Certification and Termite Inspection Questions Click on Submit once all fields have been completed! Then go to Document Upload tab Closing Team will notify you ONLY if there is a problem with your requested date

176 TPO Pre-Closing Package Upload ALL Pre-closing Items this may include but not limited to: KHC Fee Sheet Closing Agent Fee Sheet Final 1003 signed by Loan Officer Underwriting Approval Conditions Final Inspection(s) RHS Conditional Commitment Hazard Insurance with KHC as Mortgagee Title Commitment Verbal VOE dated within 10 business days of note date

177 Lender to complete the KHC Fee Sheet

178 the Closing Agent Fee sheet to the Closing Agent to complete

179 Choose TPO Preclosing Package Select File and upload ONE PDF Bundle

180 KHC Closing Team Workflow Review all pre-closing items uploaded by Lender Lender changes that need to be made initial Closing Disclosure to Lender and Closing Agent for review Upon completion of revisions, a final CD will be ed to Lender and Closing Agent Signed Final CD is to be returned to KHC to ensure the 3 days delivery for TRID compliance Closing Package to the Closing Agent and request the funds for closing

181 After the Loan Closes Closing Agent will deliver Closed Loan Package along with Original First Mortgage Note and DAP Note to KHC Within 90 days KHC should receive the original recorded documents with final title policy.

182 KHC TPO Closing Contacts TPO Closing Mailbox Homeownership Hotline EXT. 291 Michele Byer, Closing & Quality Review Manager ext. 340 Denise Stucker, Mortgage Loan QC Administrator ext. 322

183 KHC Contacts KHC Underwriting Mailbox Homeownership Hotline EXT. 291 Jamie Swindler, Mortgage Production Administrator ext. 329 Cindy Bradley, Mortgage Production Administrator ext. 347

184 Thank You