HOW TO SUBMIT A USDA, RD GUARANTEED ORIGINATION PURCHASE OR REFINANCE FILE TO GEORGIA
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1 GA SFH Guaranteed Loan Program From the Georgia State Office Single Family Housing Guaranteed Loan Program September 21, 2012 HOW TO SUBMIT A USDA, RD GUARANTEED ORIGINATION PURCHASE OR REFINANCE FILE TO GEORGIA **SHARE WITH ALL UNDERWRITERS, ORIGINATORS, PROCESSORS, ETC. If you are not signed up to receive these s, follow the below instructions. To Subscribe to this list or other available lists or unsubscribe an old address and subscribe a new address, go to and enter your address and click on the appropriate list(s) to which you wish to subscribe and then click on the Subscribe button. How do I submit an origination file to GA USDA, Rural Development? All origination purchase and refinance files (manuals, GUS Accepts, GUS Accept Full Docs, GUS Refers and GUS Refer with Caution) will be ed to ra.gagrh@ga.usda.gov All we need in the subject line of the origination is the Borrower Last Name, First Name If an origination package must be mailed (not preferred) please send to: USDA, Rural Development, 151 Langston Chapel Road, Ste 500 Statesboro, GA How do I make sure the correct documents are in the origination file? USE THE SUBMISSION CHECKLIST PROVIDED IN AN 4575 See Attached. Manual File (Non-GUS) - you must submit all documents to support the loan (RD (version 2-12), Appraisal, Flood Certification, 1003, 1008, VOE s (paystubs, W-2 s), VOR, Credit Report, Sales Contract, etc as applicable) See attached Submission Checklist
2 GUS Files READ THE FINDINGS REPORT Attn: Underwriters- If you rely on processors to get the docs to USDA, RD.GIVE THEM A COPY OF THE FINALIZED FINDING REPORT FROM GUS GUS Accept: Submit only 3 required documents (RD (version 2-12), Appraisal, Flood Certification) GUS Accept Full Documentation, GUS Refer or GUS Refer with Caution: Submit all documents to support the loan (RD (version 2-12), Appraisal, Flood Certification, 1003, 1008, VOE s (paystubs, W-2 s), VOR, Credit Report, Sales Contract, etc as applicable) See attached Submission Checklist Refinance Files Indicate the type of file you are submitting in your submission . See AN 4634 and AN 4635 Regular Refinance with appraisal If using GUS, submit the required documents. Refer to the bullet above labeled GUS Accepts, Refer, Refer with caution. If a manual file refer to the Manual bullet above Regular Streamline w/out appraisal Non GUS Submit a manual file (all documents excluding appraisal only) Pilot Streamline Refinance Non GUS Only forms below are required o Form RD Request for Single Family Housing Loan Guarantee. o Income verifications for all adult household members. o Uniform Residential Loan Application. o Evidence of qualified alien status, if applicable. o FEMA Form Appropriate flood insurance must be obtained if the property is in a flood zone at the time of the new loan closing, even if the area was not in a flood zone at the time of the original loan closing. A flood elevation survey is not required for this pilot. o Evidence of previous 12 month mortgage payment history. The lender must secure evidence to document the borrower(s) has paid the loan on time for the previous 12 months. The lender may utilize a Verification of Mortgage obtained from or provided directly by the loan servicer that lists the payment history for each of the previous 12 months. As an alternative, the lender may submit a credit report which reflects a satisfactory mortgage payment history over the past 12 months. If the lender submits a credit report to Rural Development as proof of payment history, only the payment history of the current mortgage will be considered. Credit waivers or explanations for adverse credit that may be present on the report are not required. Will I receive an stating my origination file has been received?
3 You will receive an from GA USDA, Rural Development within 24 to 48 hours stating that your file has been received as Complete or Incomplete. PLEASE SHARE EACH INCOMPLETE/COMPLETE WITH ALL PARTIES INVOLVED (loan officers, processors, realtors, builders, etc) If you will CC everyone on your submission file, we will CC them on the reply as well. Complete Means that your file has been put in line for review at the time you submitted the documentation by . [At this point, the file has received a cursory review by Technical staff (forms completely filled out, common omissions, etc.). RD Reviewer may require additional information once file reviewed fully.] Incomplete Means that your file has missing documentation and it will not be considered complete or put in line for review until all the correct docs are received. You have 3 working days from the date of the to return the requested documents. We will log the file for review based on the date and time you submitted the correct documentation not your original submission date. [At this point, the file has received a cursory review by Technical staff (forms completely filled out, common omissions, etc.). RD Reviewer may require additional information once file reviewed fully.] How do I check for a Status Update? The person who submitted the file to USDA, Rural Development will receive an (as stated above) that they will share with you showing what date and time the file was considered Complete and Received. You will then visit our website at Move your cursor to the middle of the web page and you will see a section Information for Lenders: Guaranteed Loan File Reviewing Status This will tell you what day we are reviewing. Guaranteed Loan File Reviewing Status Georgia Rural Development's current turn time for conditional commitments is 3-5 business days from the date the complete file is received from the lender. (Borrowers and Realtors should contact their lender for individual file status) As of Thursday, September 20, 2012, we are currently reviewing files received on September 19. Tips for Lender:
4 Please be honest with everyone involved in the transaction what the actual date RD received the complete file. No one wants to admit mistakes or delays but this creates extra work/phone calls for USDA, RD and also delays you in getting your Conditional Commitment because we still see cases where the whole truth of the file was not shared as it should have been. If you will forward the Complete File Received to all parties involved in the transaction this will be avoided. If you will CC everyone on your submission file, we will CC them on the reply as well. Please have the underwriter contact GA USDA, RD if there is a question or problem with the file. No brokers, loan officers, realtors, builders, applicants should be calling for File Statuses please advise them of this. Can my file be moved ahead? No. We do not process any RUSH conditional commitments for any reason. All COMPLETE files are reviewed in the date and time order that they are received. Please plan accordingly within you Mortgage Company to get the file to USDA, Rural Development in plenty of time. Our current turn time in Georgia is 8 to 10 business days. Who will get the Conditional Commitment? It will be ed to the contact person who is listed on the RD Request for Single Family Housing Loan Guarantee. Please make sure that it is filled out correctly and signed by the appropriate staff that can verify that the loan has been originated and underwritten according to RD regulations. COMMUNICATE within your company and with your brokers. Does the subject property have to meet the HUD Handbooks and ? YES ALL existing properties must meet HUD Handbooks and with the utilities on This statement must be on the appraisal in order for GA, USDA, RD to consider the file complete unless the appraisal is subject to repairs. Please have your underwriter review the appraisal before submission to RD. We still see appraisals for properties that clearly do not meet the HUD Handbook requirements (exposed wiring, missing ac unit, etc.). This will delay processing and potentially cause the loan to be rejected. It also jeopardizes the credibility of the
5 appraiser and underwriter when this happens. See the attached Underwriter Appraisal Review to help with this. If there are repairs (that affect the HUD Handbook requirements) that must be made and the appraisal is subject to a final inspection will be conditioned and GA, USDA, RD will accept the file as complete. ALL Finals must state the property meets HUD Handbooks and This is not an acceptable statement, This appraisal has been prepared according to HUD Handbooks and This statement does not say that the subject meets the HUD Handbooks Is it easy for USDA, RD to change a Conditional Commitment for an Interest rate change, loan amount change, reissue credit, etc? NO. It is very time consuming. There are several steps involved in order to correct items that seem minor. Please submit your loans with the correct information the first time. Where are USDA RD regulations? Do I just go by my lender regulations? USDA, RD regulations of 1980-D is required to be met. Lenders can have overlays on RD s regulations but cannot replace RD s base regulations. For example, a lender can have stricter regulations than RD. USDA, RD also puts out Administrative Notices which helps explain 1980-D D Regulations Administrative Notices (look for 1980-D beside the AN number if it has 1980-D then it pertains to a Guaranteed Housing Loan- Lenders Best Practices for Originations Please only submit the required documentation unnecessary documents slow down RD s review. Also please submit all of your documents in no more than 2 pdf files if possible. Please do not send large files, reduce when necessary If it is password protected file, please provide the password in a separate For all existing properties, the appraisal must state the property meets HUD Handbooks and with all utilities on unless there is repairs to be
6 made in order for the subject to meet HUD Handbooks (example: Hot water heater to be replaced, Light fixtures missing, naked wires, ac unit to be replaced, etc) Read GUS Findings & comply Make sure the correct version of the RD is filled out correctly, signed by the underwriter and borrower. The 1 st and 2 nd page of the must be version Make sure your loan amount and interest rate are correct before finalizing in GUS Check your credit report to make sure that it will not expire before closing our regulations are 120 days not 90 days Review the documents you are submitting and submit the correct documents and only required documents. Communicate as a lender with all parties involved Thank you for your business, your support, patience and understanding. Remember, COMMUNICATION is the key to Success!! Please help us, help you! If you have any questions, please contact Ashley Carlan at ashley.carlan@ga.usda.gov To unsubscribe from this list, please do the following: Go to and enter your address and click on the GA Single Family Guaranteed Loan Program-SFH Georgia checkbox and then click on the Unsubscribe button. To Subscribe to this list or other available lists or unsubscribe an old address and subscribe a new address, go to and enter your address and click on the appropriate list(s) to which you wish to subscribe and then click on the Subscribe button. The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (braille, large print, audiotape, etc.) should contact USDA s TARGET Center at (202) (voice and TDD). To file a complaint of discrimination, write: USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W., Washington, D.C , or call (800) (voice) or (202) (TDD). USDA is an equal opportunity provider, employer, and lender.
7 UNDERWRITER REVIEW OF APPRAISALS:
8 GA SFH Guaranteed Loan Program From the Georgia State Office Single Family Housing Guaranteed Loan Program September 21, 2012 HOW TO SUBMIT A USDA, RD GUARANTEED CLOSING PACKAGE (LOAN NOTE GUARANTEE REQUEST) FILE TO GEORGIA **SHARE WITH ALL UNDERWRITERS, ORIGINATORS, PROCESSORS, ETC. If you are not signed up to receive these s, follow the below instructions. To Subscribe to this list or other available lists or unsubscribe an old address and subscribe a new address, go to and enter your address and click on the appropriate list(s) to which you wish to subscribe and then click on the Subscribe button. How do I submit a closing package (Loan Note Guarantee Request) file to GA USDA, Rural Development? For ALL loans in GA, closing package files will be ed to ra.grhclosings@ga.usda.gov Remit Check to: USDA, Rural Development 151 Langston Chapel Road, Rm 500 Statesboro, GA NOTE: Include the Borrowers Name and Rural Development ID on each Check What do I include with my closing package? Lender Submission Closing Checklist AN 4575 (Attached) Guarantee Fee Check (2% of the final loan amount) mailed to the office RD Guaranteed Loan Closing Report RD ) Conditional Commitment - Including Lender Certification & Conditions Pages (2 Pages Total) AD-3030 (this form is for the lender not the borrower) Promissory Note
9 HUD-1 (with attachments) 1003 (Loan Application) Appraisal s Final Inspection if applicable Other Misc. Documents required to clear conditions (Remember: Most documents are to be retained in the lenders file, only submit the docs required) Can I check the status of a Loan Note Guarantee? GA issues all LNG s within 10 business days of receipt of the complete package and guarantee fee check. Please do not check for a status until 10 business days have passed (Business days does not include Saturday and Sunday). Lenders Best Practices for Closings USE THE CLOSING CHECKLIST PROVIDED IN AN 4575 (also attached) Make sure you put the correct contact person on the Closing Checklist, they will be the one who receives the Loan Note Guarantee from RD. the loan note guarantee package timely to ra.grhclosings@ga.usda.gov. Don t wait until the last minute and your investor is hounding you. Guarantee Fee checks should be made payable to USDA, Rural Development and mailed to 151 Langston Chapel Road, Rm 500, Statesboro, GA Submit accurate, legible and required documents only. Excess Documents causes delay. Make sure you have the correct Tax ID number for your servicing lender on the lender certification DO NOT close the loan for a higher loan amount or interest rate than what is approved on the Conditional Commitment. It must be reunderwritten by your underwriter and re-reviewed by USDA, RD DO NOT alter our approved loan amount or interest rate on the Conditional Commitment RD Form PLEASE KEEP UP WITH YOUR LOAN NOTE GUARANTEES THIS IS YOUR MOST IMPORTANT DOCUMENT We do not have the staff to re-send LNG s multiple times or to multiple parties Thank you for your business, your support, patience and understanding. Remember, COMMUNICATION is the key to Success!! Please help us, help you! If you have any questions, please contact Ashley Carlan at ashley.carlan@ga.usda.gov
10 To unsubscribe from this list, please do the following: Go to and enter your address and click on the GA Single Family Guaranteed Loan Program-SFH Georgia checkbox and then click on the Unsubscribe button. To Subscribe to this list or other available lists or unsubscribe an old address and subscribe a new address, go to and enter your address and click on the appropriate list(s) to which you wish to subscribe and then click on the Subscribe button. The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (braille, large print, audiotape, etc.) should contact USDA s TARGET Center at (202) (voice and TDD). To file a complaint of discrimination, write: USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W., Washington, D.C , or call (800) (voice) or (202) (TDD). USDA is an equal opportunity provider, employer, and lender.
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