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Matrix's & Memos

Official Announcements

5/3/2022 Score Reduction for Govies

2/7/2022 Retail Memo-Conventional COVID Self-Employment Requirements

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



Mortgage Support Updates

5/24/2022 Surefire Live Date

5/13/2022 Mortgage Support Update-Enact Mortgage, Surefire, & Tax Transcripts

5/10/2022 Mortgage Support Updates

5/4/2022 Retail Website Update

4/29/2022 Surefire Updates

4/26/22 Mortgage Support Update

4/6/2022 Mortgage Support Update

3/07/2022 Mortgage Support Memo-Man Homes, Surefire, and Let's Discuss

2/11/2022 Mortgage Support Memo

2/7/2022 Mortgage Support Update-Surefire, SN, Mtg Tidbits

1/21/2022 Mortgage Support Update #2 of 2022

1/20/2022 Mortgage Support First Update of 2022  

12/27/2021 Mortgage Support Update-December 3.0

12/22/2021 Mortgage Support December Updates

12/20/2021 Mortgage Support December Updates

12/2/2021 2022 Loan Limits

11/8/2021 VA Max Loan

10/14/2021- Mtg Support Update

9/1/2021- Income Stability

8/18/2021- Income Calc Reminders

7/21/2021- Simple Nexus

6/24/2021- Training Updates

6/28/2021- Mtg Support Email Reminder

3/17/2021- Mortgagebot Updates

3/16/2021- Update for the Week of March 15, 2021

3/09/2021- Update for the week of March 8, 2021

2/25/2021- Update #2 for the week of February 23, 2021

2/23/2021- Update for the week of February 23, 2021

2/04/2021- Update #2 for the week of February 1, 2021

2/01/2021- Update #1 for the week of February 1, 2021

10/30/2020 - GUS & Let's Discuss

10/27/2020- Conventional Manufactured Homes

10/20/2020 - FHA Refi's and Conventional Self Employed Borrowers

7/15/2020 - Mtg Support Updates, FHA Am Clause, Upcoming Training Opportunities

7/7/2020 - Mtg Support Updates, Conv MI, Turn Times, Simple Nexus, Tax Returns, FHA guidance on omitting debts paid by others

5/19/2020 - Mtg Support Updates, Overlays, PTF conditions, Training opportunity

5/13/2020 - Mtg Support Updates, Reg B and more!

Operations Updates

5.26.22 Change of Circumstance

5.25.22 File Communication

5.25.22 SSA-89 E-sign

5.13.22 Tax Transcripts

5.12.22 Flood Insurance

5.11.22 Closing Turn Times

5.4.22 FHA Identity of Interest

5.4.22 Funding Authorizations

5.4.22 Separation Documents for Conv Loans & Pro-Rated Taxes 

4.26.22 LP Re-Issuing Credit

4.26.22 FHA Amendatory Clause & Real Estate Certification

4.18.22 FHA Identity of Interest

4.13.22 Initial Closing Disclosure Timing

3.4.22 Simple Nexus

3.3.22 SureFire-Logging In

3.2.22 SureFire-Marketing

2.16.22 Refinancing 2nd Mortgage

1.24.22 Archiving Files

1.24.22 Fee Names & Audit Issues

12.27.21 Streamline Refinances

12.21.21 Holidays

12.19.21 End of Month

12.16.21 End of the Month/Year Dates

12.15.21 Closings

11.23.21 Closings

11.18.21 End of Month

11.16.21 LE's & CD's

11.16.21 Updated November End of Month

11.16.21 November End of Month

11.11.21 4506C E-Sign Summary Log

11.11.21 Veteran's Day

11.10.21 Moving Files to Processing

11.10.21 Closings

11.8.21 VA Max Loan Update

11.4.21 AUS Submissions

11.3.21 VA Max Loan

10.18.2021 FHA COVID-19 Added Requirements

7.19.2021 Stable Income

6.14.2021 Joint Applicants

6.07.2021 Freddie Mac Updates

4.19.2021 Underwriting Documentation Requirements

3.30.2021 URLA Update #5

3.11.2021 URLA Update #4-Tax Credit & Initial Disclosures

3.5.2021 Simple Nexus Applications to Mortgagebot

3.5.2021 URLA Update #3 a HAPPY DAY

3.4.2021 GUS & Mortgagebot

3.3.2021 URLA Update #2

2.28.2021 URLA Update #1

9.15.2020 VOE's

9.4.2020 Turn Times

9.1.2020 VA IRRRL COE Update

8.19.2020 VA IRRRL COE

8.2.2020 FHA Update for COVID S/E & Rental

               FHA Mortgagee Letter

7.28.2020 Archiving Files

7.28.2020 VA IRRRL's - Important Details

7.21.2020 Disclosure Reminders

7.20.2020 Closings

5.22.2020 Verbal VOE

5.12.2020 Property Inspection Waiver, AUS

5.11.2020 Disclosures, Homebuyer Education

5.8.2020 Initial Disclosures Update - complete info

5.6.2020 Hold harmless requirements

4.27.2020 BIP Cover Sheet Update

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