ࡱ>  .bjbjqq {M":a04ff0fak"k`dkdl6%t: lllnfnf%lllf""""klllllllll :  Native American Mortgage Program Tab Parr nmlsr 450294 602-378-4511 Toll free 866-919-6288 866-880-7942 fax  HYPERLINK "mailto:Tab.a.parr@wellsfargo.com" Tab.a.parr@wellsfargo.com Mac S4101-141 100 W. Washington, Ste 1445 Phoenix, AZ 85003 Promoted by   Benefits of the 184 Loan Guarantee Program Available on tribal trust, individual allotted trust or fee simple land (on or off reservation) in an Indian operating area (state). Low down payment of 1.25% (loan less than $50k) to 2.25% (loan over $50k) based on the lower of the appraised value or cost to acquire the home. Refinance eligibility for those who own their home (remodel) The Maximum loan is 150% of the FHA mortgage limit subject to appraised value and down payment requirements. 1% financeable HUD guarantee fee at closing. No private mortgage insurance or monthly MIP. It is the lowest cost of any government guarantee or conventional insurance program in Indian country. There is no extra monthly premium for a 184 loan. Eligibility includes: New construction, rehabilitation/remodel, purchase and purchase/rehab of an existing house. Qualifying income ratio: 41% total debt to gross income ratio which can be exceeded with compensating factors. Single close construction loan where only one closing is required. 100% guarantee to the lender in the event of a foreclosure and claim. Loans may be assumed by a creditworthy borrower that meets program eligibility. NO INCOME LIMIT Seller may contribute up to 6% of the sales price towards closing costs and prepaids (homeowners insurance and property taxes).   Guidelines of the 184 Loan Guarantee Program The Following are eligible borrowers for a 184 loan: An individual who is recognized as a Native American by a tribe, the Federal Government or any State A Native American Tribe (Tribal Government) A Tribally Designated Housing Entity (TDHE) A Native American Housing Authority The Following Loan Transactions are available: Purchase of an single family home, 1-4 units (duplex,triplex,fourplex), Condo (fha approved) or new manufactured housing on permanent foundation Purchase and rehabilitation of existing housing Cash-out for rehabilitation of current housing Cash-out for debt consolidation up to 85% (for those with stellar credit) Construction of new housing: this included manufactured homes affixed to a permanent foundation. Refinance existing home loans for a lower interest rate Property Requirements for 184 Loans Fee Simple land States approved as an Indian operating area Tribal Trust land with an approved lease Individual Allotment land with BIA approval Credit guidelines Not credit score driven and prime interest rate offered All collections, charge offs or judgments must be paid in full The most recent 24 months is most crucial and plays a major role with underwriting approval/decision. Bankruptcies must be discharged for 2 years   Single Close Construction Loan for Stick built homes and Manufactured/Modular Homes All single close construction documents will be completed by the borrower and contractor at time of application for loan approval with HUD. All single close construction loans will have a 10% contingency reserve built into the loan amount if the appraisal supports it, or the borrower will have to bring these funds to closing. For Manufactured homes the contingency is 10% of all work excluding the home itself and for stick built homes its 10% of the total acquisition cost, home and all. This reserve is to cover any health hazards built into the home that need to be corrected during construction. If the reserve is not used it will be applied back to the principle balance of the loan. If the customer paid this contingency out of pocket at closing time it will be returned to the borrower. You have the option to finance up to 6 months P&I&I into the loan amount if the appraisal supports it or start making payments after you have closed on your loan. There will be a $700.00 draw/inspection fee financed into the loan amount and 2.5% origination fee (closing cost). Will need a copy of contractors or customers builders risk insurance policy. Contractor will need to provide a construction cost breakdown and a construction schedule for the project from start to finish. Also provide plans and specs. Contractor will not receive any funds up front. They get paid as the work is completed. We will hold back 10% on all draw requests. Once the home is 100% complete the 10% holdbacks will be sent to the contractor. For a draw to take place you will need to complete forms that need to be signed by the contractor, borrower and inspector. All forms will be sent to the borrower approximately 2 weeks after closing on there mortgage loan. HUD would like to see the home built within 6 months, and the draw center would like to see one draw per month, not to exceed 6 draws. Inspector needs to be approved by the state and/or Office of Native American Programs and by Wells Fargo Home Mortgage. Inspector needs to be familiar with HUD minimum standards. Once a draw is requested it takes approx. 2 days to process and the draw center will airborne express the check to the borrower or contractor whichever has been arranged. All manufactured homes must be placed on a permanent foundation and or frost piers. A schematic drawing from the manufacturer will be required. Once the borrower has closed on their mortgage the contractor can begin work. If the borrower stops making payments on there new home or goes into foreclosure after they have closed with Wells Fargo Home Mortgage during construction the contractor will still get paid since the money has already been set up in an escrow account.   Request For Loan Opinion  ____________________________________________________________________________________________________________________ This is a request for an opinion on a loan amount. You may qualify for a HUD 184 or conventional loan secured by land in Indian Country. Please complete this form in its entirety for all applicants. Upon receipt of a successful loan opinion you will be asked to complete the formal application and documentation checklist. It is imperative that you provide accurate and detailed information.  Applicant #1 Applicant #2 Legal Name (Last, First, Middle) Legal Name (Last, First, Middle) _________________________________________________________________________________________________________ SS# Date of Birth Married SS# Date of Birth Married Separated Separated Unmarried Unmarried Present Mailing Address (City, State, Zip) Present Mailing Address (City, State, Zip) _________________________________________________________________________________________________________ Number of Years at this Address Do You Rent or Own? Number of Years at this Address Do You Rent or Own? Rent Own Rent Own __________________________________________________________________________________________________________________________________________________________________________________________________________________ Home Phone Number Work Phone Number Home Phone Number Work Phone Number __________________________________________________________________________________________________________________________________________________________________________________________________________________ Present Employer Time on Job Present Employer Time on Job __________________________________________________________________________________________________________________________________________________________________________________________________________________ Job Title Job Title __________________________________________________________________________________________________________________________________________________________________________________________________________________ Gross Monthly Income Additional Income Gross Monthly Income Additional Income $ $ $ $ Total monthly obligations of all applicants (Installment loans, credit cards, student loans, auto loans, any debts you will be paying for 10 months or more) Source of money for down payment Savings Checking Grants or Tribal Assistance $ $ $ __________________________________________________________________________________________________________________________________________________________________________________________________________________ Borrowed From $ __________________________________________________________________________________________________________________________________________________________________________________________________________________ Gift From $ __________________________________________________________________________________________________________________________________________________________________________________________________________________ Loan Term Estimated Purchase Price Tribe/Land Status (Tribal Trust, Individual Trust, Fee, etc.) 20 Year 30 Year $ By signing below I/we authorize to obtain my/our credit report and employment history. Please return this form to: TAB PARR 866-880-7942 fax WELLS FARGO HOME MORTGAGE Mac S4101-141 100 W. 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