Emerging Banker/Non-Delegated Correspondent Submission Form - Conventional Email Submissions

Emerging Banker/Non-Delegated Correspondent Submission Form - Conventional Email submissions to:

Emerging Banker/Non-Delegated Correspondent Contact Information
Lender Processor Name: / Email: / Phone:
Submission Type: / Emerging Banker Non-Delegated Correspondent
Credit Credentials (Credit Vendor Name):
Credit Login: / Credit Password:
Borrower Information
Borrower Name: / LowestMiddle FICO:
Borrower Name: / Primary Borrower Email:
Co-Borrower Email:
Property Address:
City: / State: / Zip:
Transaction Information
Purchase* Rate/Term* Cash-out DU Refi Plus (fixed rate only) Construction-to-Perm(permanent financing only)
*97% LTV (Fannie Mae only – first time homebuyer or refinance of loan currently owned by Fannie Mae. Fixed rate only)
Fannie Mae DU Freddie Mae LP (fixed rate only)
Type: SFR Multi Units # Condo High rise condo Site Condo PUD ( Attached Detached) Modular
Occupancy: / Owner-occupied 2nd Home Investment / DTI: % / Payment Shock: / %
Loan Amount: / $ / High Balance/Super Conforming Yes No / Appraised Value: / $
Second Lien:$ / Sales Price: $ / LTV:% / CLTV:% / Impounds: Yes No
Mortgage Insurance: / Yes If yes, MI type: BPMI: Single Monthly % of coverage Refundable Non-Refundable
No LPMI Single premium only % of coverage (Refundable eligible BPMI single premium only)
Term: / Amortization: Fixed ARM If ARM: 5/1 7/1 10/1 / Interest Rate: Locked Floating
Purchasing Fees
Commitment Fee:
Funding Fee (CA only):
Flood Cert.:
Tax Service Fee: / $895
$199
$10
$83 / Texas Attorney Fees:
Purchase: $150
Rate & Term Refi: $150
Texas Home Equity Refi: $250
Credit Package
(Incomplete packages will delay submission to Underwriting)
Required:
HomeBridge Emerging Banker/NDC Submission Form
1008
1003 w/ NMLS ID signed by Emerging Banker/NDC
Credit report (must be < 90 days old). Fannie Mae transactions only: Loans submitted to DU version 10.0 must have a credit report that includes trended credit data
Signed Borrower Credit Authorization - required only if 1003 provided is not signed by borrower(s)
Paystubs (30 days earnings and YTD)
W-2s per AUS
Tax Returns/ all Schedules per AUS
Purchase Contract w/ Addendums (if applicable)
Bank Statements (if purchase)
AUS Findings
Fannie Mae DU
Freddie Mac LP
3.2 file required if submitted outside of HomeBridge portal
Completed/Signed 4506-T (if business income used for qualifying a completed/signed 4506-T for business returns also required)
Service Provider List
Affiliated Service Provider Fee Certification (if applicable)
Loan Estimate (signed if the LE includes a signature line; if no signature line, signed not required)
Notice of Intent to Proceed
Change of Circumstance Form(s) (if applicable)
Recommended but not required (to avoid closing delays):
State Specific Disclosures
Safe Harbor Certification
Signed Homeownership Counseling Disclosure
Proof of appraisal delivery to the borrower (if appraisal available at submission)
Business Purpose Use of Investment Property Borrower Certification (if applicable)

Community Property States:Arizona,California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin

9/22/16