Welcome to the Retail Website!
Matrix's & Memos
Matrix's & Memos
Official Announcements
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
Mortgage Support Updates
5/13/2022 Mortgage Support Update-Enact Mortgage, Surefire, & Tax Transcripts
5/10/2022 Mortgage Support Updates
5/4/2022 Retail Website Update
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
10/14/2021- Mtg Support Update
8/18/2021- Income Calc Reminders
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
5/19/2020 - Mtg Support Updates, Overlays, PTF conditions, Training opportunity
4/30/2020 - Mtg Support Updates, BIP Cover Sheet, Init Disclosures Info
4/22/2020 - Mtg Support Updates
4/7/2020 - Under 660 FHA,VA & USDA
4/6/2020 - Memo from Management
3/27/2020 - Processing & Tax Trans.
3/24/2020 - Verbal VOE's & Pipeline
3/23/2020 - Lobby Closing Info
3/19/2020 - FHA Manual Updates
3/18/2020 - Man Home Financing
Operations Updates
Operations Updates
5.26.22 Change of Circumstance
5.4.22 FHA Identity of Interest
5.4.22 Separation Documents for Conv Loans & Pro-Rated Taxes
4.26.22 FHA Amendatory Clause & Real Estate Certification
4.18.22 FHA Identity of Interest
4.13.22 Initial Closing Disclosure Timing
2.16.22 Refinancing 2nd Mortgage
1.24.22 Fee Names & Audit Issues
12.27.21 Streamline Refinances
12.16.21 End of the Month/Year Dates
11.16.21 Updated November End of Month
11.16.21 November End of Month
11.11.21 4506C E-Sign Summary Log
11.10.21 Moving Files to Processing
10.18.2021 FHA COVID-19 Added Requirements
4.19.2021 Underwriting Documentation Requirements
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
8.2.2020 FHA Update for COVID S/E & Rental
7.28.2020 VA IRRRL's - Important Details
7.21.2020 Disclosure Reminders
5.12.2020 Property Inspection Waiver, AUS
5.11.2020 Disclosures, Homebuyer Education
5.8.2020 Initial Disclosures Update - complete info
Matrix Library
Matrix Library
Agency Links
Agency Links
Agency Resources
Agency Resources