ࡱ> npm ~/bjbj .hk W\9"&H Ty9{9{9{9{9{9{9;">{9A"AA{99$$$Avy9$Ay9$$Y5w@%7@`85e99096>>,%7>%7@\hJ$<J\\\{9{9 p\\\9AAAA>\\\\\\\\\ : Must Be Completed By Loan Officer/ Mortgage Planner Loan Officer Contract Checklist yellow sheet 01/2013 Borrower(s):_______________________ GOALS: Contract to Setup 3 days; Setup to Processor 2 day; Processing CTC 15 days; CTC to docs 2 days; Docs to HUD1 1 day; Docs to fund same day JOB/INCOME (STABILITY) 2 years Borrower YES NO Co-Borrower YES NO Verified Spelling of Names with DL _____B ______CB Notes:_______________________________________________________ CASH ASSETS A. AMOUNT NEEDED TO CLOSE/RESERVES: $ Total Verified for Closing (must be greater than A.) $ B. AMOUNT VERIFIED: In Bank $__________ Sale of Home $__________ Other $__________ RATIOS FHA(31%):____________ FHA(43%)____________ (Over 49 AU must have 1 FHA comp factor) CON(28%):____________ CON(36%):___________ (Max 45% with PMI) VA(41%):_____________ VA(41%):_____________ (See FHA above- also check residual) USDA (29%):_________ USDA(41%):_____________ (If over, see USDA guidelines) *If exceeds ratios, do you have an automated approval: YES_____ NO ______ COMPLIANCE STEPS ______ Have you keyed in your Closing Date and First Payment Date before calculating your GFE and TIL? ______ Have you checked your Disclosure date to be in compliance? Yes NO ______ Is your new GFE and TIL dated 3 days within executed contract date? Yes NO ______ Is the Contract Fully Executed and is that Executed Contract in the file? Yes NO ______ Check lock and estimate through date- Will you need to re-disclose? Yes NO Steps to Move Point File to Loan Producer- SEE BACK PAGE COMMENTS TO UNDERWRITER/PROCESSOR   DISC of Buyer ______________________ DISC of Co-Buyer____________________ BEST WAY TO REACH BUYERS/ Driver_____________________________________________________________________________ I certify that the above loan meets guidelines and that I have done my best to insure the highest quality and effort has been taken on my part to guarantee a smooth transaction. I have turned this loan in within 72 hours of Contract/Application. Signature:____________________________ Date:_____________ Loan Officer/Mortgage Planner VALUE ADDED CONTRACT SET-UP CHECKLIST (5/2009) BORROWERS LAST NAME: _____________________________________ LOAN #: ________________________ **NOTE: 72 HOUR TURN AROUND MAX** THE ACID TEST ( Am I treating the customer with the utmost respect? ( Am I exceeding expectations? ( Is it in the best short term and long-term interest of the company and the customer? MORTGAGE PLANNER Review the contract, highlighting the pertinent information. Call Selling and Listing Agent, thanking them for the business. Verify legibility of the numbers in the contract with buyers agent INCLUDING Sales Price; Seller Contribution; Closing Date; Any party out of town; Verify that if HOA it meets guidelines of the loan; Verify survey status and give deadline of getting old survey, if applicable. GET E-MAIL FROM BOTH AGENTS (if we do not have it already). Key in the following in POINT Tracking (use utility when possible): Appraiser; Title Company; Listing Agent; Selling Agent; Builder (if applicable); Insurance (if known); Surveyor (note if to order through TC or using sellers). Make certain that Orgin has been filled in also. Scripting to Agents This is _______ from The Davidson Group at Service First Mortgage. We received the contract on ________________ and are looking forward to working with you (again?). I wanted to review a few things with you (go into the checklist above). What is the best way to reach you? (Note on Yellow Sheet-Comments). Great. Once again, we look forward to working with you and we appreciate your trust. Write the buyers name, closing date and date needed for clear to close on the outside of the folder. Also note any major need to know on the front of the file. Make certain that the 1003 is complete and correct. Verify accuracy of documents. Verify HOA dues and transfer fees as well as misc. fees and put on the GFE. If 1003/disclosures are already signed, call buyer and review contract and loan structure. Discuss when the appraisal check is to be sent and remind them of getting the hazard insurance info. Finalize Homework List. Handwrite on the homework list if this was given to buyer either verbally or physically. Verify the Seller Contributions so we dont leave money on the table. Pull CAD to verify that the seller on the contract is the same as on the contract. If CAD does not indicate the same seller as the contract, contact agents to find out when the flip occurred. Use CAD taxes only, if available. Complete Point GFE and TIL for the file. Make certain that it is correct. Print two copies each. Sign and date a copy of the GFE and TIL that was discussed with the borrower with a highlighter and place it in the file. Give remaining copy of GFE and TIL to Set Up so that she can mail to buyer with TIL letter. Run or rerun LP/DU/AU (if applicable) and make certain again that the structure of the loan is correct, including pay calculated, monies to close, ratios, job tenure, etc. Make a copy of the appraisal check (if applicable). If funds for the appraisal are not collected, MP will be responsible for $ if loan cancels. Paperclip together the following with the completed yellow sheet and place in file: CAD printout MP highlighted TIL and GFE Homework list (if applicable) Copy of appraisal check (if applicable), Completed Track Agent List (see above) Borrowers Information Sheet NTRES printout for Listing and Selling Agents Follow from Point to LP steps (below) and review compliance steps. Give file to Ops Manager. Steps to Move Point File to Loan Producer- Point Data Input 1.Open file from Branch Data Base Once you are in the file, click on the "File" tab and choose "Export To" Select "Fannie Mae 3.2 DO/DU" Click n "My Computer" Double-click on the H Drive: {fics_lp_ms on server03 (H:)} Double Click the "imports" folder Change the file name from "Point" to the borrowers loan # Click on "Save " Loan Producer Data Input Open the file {Search for loan under loan #} If loan already exist - open the loan file. (If loan does not exist, go to step #8) Go to Tools Select Run Customized Program Choose Custom 1003 Import Program then click OK Highlight loan & enter the loan # Click on Import button (If loan does not exist, start here) Go to Tools Choose 1003 File Import Highlight loan Enter loan # in the New Loan # column (Use SFMC loan #) Click on Import button- this will open the file in your system INPUT: ____General Information-Properties -Loan Property: Title Company; Agents (both); Appraiser; Surveyor (if applicable) ____General Information- Dates- Application Date; Closing Date ____General Information- Miscellaneous- To Set Up Date; Origin; Listing & Selling Agent E-Mail Address ____General Information-Lenders and Users- Select Interviewer Name-Loan Officer; Select Processor ____General Information-Lenders and Users- Mortgagee Information-SFMC, LP- DBA Service First Mortgage Company; Originating Lender - Metro East - Metro East; HMDA=SFMC, LP-SFMC, LP; Originator #1 Name= Loan Officer; Commission (6 digit)  Sales Price $___________________ Loan Amount $_________________ LTV ___________% CLOSE DATE_________________ ITEMS TO WATCH Salary matches paystub? ________ Employee deductions on paystub? ________ Overtime Average 2 years? ________ Bonus Average 2 years? ________ Commission 2 years? ________ History of 2nd Job 2 years? ________ 1099 Income if Self Employment ________ Large Deposits? ________ NSFs on Bank Statements? ________ Consistent Auto Withdrawals? ________ Disputes on Credit Report Yes No Schedule A- Unreimbursed Expenses (2106) Yes No If VA- Child Care? Yes No $__________ Do You Have Terms of Withdrawal if using Retirement Funds? Yes No Note: Must have if using for Reserves Important: Note unusual income calculation or FYIs in Comments below. CLOSING INSTRUCTIONS Contract Checklist- Review the following Use CAD taxes if applicable/ Type of loan vs. contract or financing addendum/ Sales Price/ Interest Rate/Earnest Money/Who pays for TP?/Option Period?/Closing Date/Possession/Special Provisions/ VA Non-Allowables/ Contract Executed by both Buyer and Sellers?/ THINK. Do we need to specify a specific investor? Are detailed instructions written under notes? Type Loan/Term _____________________________ Investor _____________________________ Investor Guidelines Included in file? No Yes Rate __________________________ Discount + Origination ______________________ 2nd Lien Type/Term/Rate ____________________ 2nd Lien Investor ___________________________ Lender /Seller Pd __________________________ Who is paying Title Policy? Seller Buyer Is the seller on the contract same as CAD?_________ If NO, is that a problem with this loan? ____________ FHA Date of Deed Transfer ____________________ Out of Town Party No Yes ________________ POA? No Yes ___________________________ HOA Dues ________________________________ HOA Upfront Cost $___________________________ Waive Escrows No Yes Using a Bond or Grant Program? No Yes_________ HUD Home? Yes No If Yes, Downpayment? __________ Coupon enclosed? 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