Welcome to the Retail Website

Matrix's & Memos

Official Announcements

9/10/2021 Retail Memo- DU credit score chances FNMA

9/1/2021 Retail Memo - FHA Overlay Improvements

7/23/2021 Lock Desk Memo- MFH Government Loans

6/21/2021 Retail Memo- FHA Student Loans & reference FHA Mortgagee Letter 2021

3/16/2021 Lock Desk Memo- Changes to Second Home & Investment Properties Loan Level Price Adjustments

2/25/2021 Lock Desk Memo- Mortgagebot & URLA Updates

2/16/2021 Retail Memo - DACA Updates, URLA Transition

2/5/2021 FHA Overlay Update -Adjustments to FHA Overlays

1/13/2021 Lock Desk Memo- Self-Employment Updated Forms

12/10/2020 Self Employment & COVID 19 please make sure to read the Freddie Mac COVID Bulletine & The Fannie Mae COVID Guidelines

11/05/2020 Lock Desk Memo- Veteran's Day, Locked Loans & COC, VA Update-New minimum score requirement

9/23/2020 Retail Memo - Adverse Market Refinance Adjustment, USDA Conditional Commitments - Fiscal Year End

8/31/2020 Retail Memo - Recent FEMA Declared Disaster Areas 8/27/2020 Retail Memo - Solar Panels, Rental Housing Payments, Documentation of Liabilities, FHA Updates for Self Employment & Rental Income, FHFA Refi Pricing Updates

8/13/2020 Retail Memo - FNMA & FHLMC Refinance Adverse Market LLPA 

7/7/2020 Retail Memo - FHA 620-659 Overlays Reminder, USDA 620-659 Overlays, & VA Score Update

6/18/2020 Retail Memo - FHA & USDA 620-659 Overlays Reminder, Independence Day Holiday, Lock Days, Scenario Email, and COVID 19 Important Information

5/11/2020 Retail Memo - Lock Extensions-Furloughed Borrowers, Memorial Day Holiday

4/28/2020 Retail Memo - FHA & USDA 620-659 Overlays - Revised

4/27/2020 Retail Memo - FHA & USDA 620-659 Overlays

4/20/2020 Retail Memo - FHA & USDA Updates to Minimum Scores

4/13/2020 Retail Memo - Lock Extensions

4/6/2020 Retail Memo - Credit Score Changes: FHA, USDA & VA

4/1/2020 Retail Memo - VA Appraisals, Conventional updates, Tax transcripts, & Man Homes (USDA, FHA, VA)

3/31/2020 Retail Memo - FHA & USDA Appraisal, Verbal VOE

3/26/2020 Retail Memo - UPDATED No Score Government Loans & 600-619 Government Loans

3/26/2020 Retail Memo - No Score Government Loan Update & 600-619 Government Loan Update

3/23/2020 Retail Memo - FNMA & FHLMC Updates - Appraisal Requirements

3/18/2020 Retail Memo - Manufactured Home Financing, Pictures of Documents, Imageflow, Findings, Continuation of Business

10/10/2019 Retail Memo - Columbus Day, FHA Cash Out 85% Deadlines

6/20/2019 Retail Memo - Disaster Area Announcement, Tax Transcript Update & USDA Income Update

5/24/2019 Retail Memo - Tax Transcripts, LO Monthly Meeting & Let's Discuss

4/30/2019 Retail Memo - EPO

4/19/2019 Internal Memo - VA Refi updates, VA Cheat Sheet, VA High Balance loans, Branch Forms, Let's Discuss

4/10/2019 Internal Memo - new updates to website, turn times - closing & Let's Discuss

4/3/2019 Important Memo - Disaster Areas - Iowa & Nebraska

3/7/2019 Important Memo - Updated Early CD Process, Updated Closing Request Process, 2018 SAM Worksheet & Rental Income Worksheet

1/11/2019 Early CD Update

1/4/2019 Government Shutdown Announcement

Mortgage Support Updates

Operations Updates

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