Submission Form – FHA Email submissions to:

Broker Information
HomeBridge AE: / Broker Name: / Contact:
Phone: / Fax: / Email:
Address: / City: / State: / Zip:
Broker Compensation: Lender Paid Borrower Paid
Credit Credentials: / Vendor: / Login: / Password:
Borrower Information
Borrower Name: / Lowest Middle FICO:
Borrower Name: / Primary Borrower Email*:
Required for appraisal delivery
Property Address: / Co-Borrower Email:
City: / State: / Zip:
Transaction Information
Purchase Rate/Term Simple Refi Cash-out 203(h) purchase only w/ 30 yr fixed rate term
Streamline: Credit qualify No credit qualify HB-HB no overlays/no credit report HB-HB w/overlays w/mortgage only credit report
Type: SFR Multi Units # Condo High rise condo Site Condo PUD ( Attached Detached)
Modular Manufactured
Occupancy: / Owner-occupied 2nd Home Investment / Term: / Impounds: / Yes No
Loan Amount: / $ / High Balance/Super Conforming Yes No / Appraised Value: / $
Second Lien: / $ / Sales Price: / $ / LTV: / % / CLTV: / %
DTI: / % / Payment Shock: / % / Amortization: Fixed Term: years (15 to 30 yrs) 3/1 ARM 5/1 ARM
Fees
FHA Transactions: $995* FHA Streamline: $595*
Flood Cert.: $10
UFMIP: Financed Cash
* Not applicable in North Carolina
Commitment Fee Buyout Option / Texas Attorney Fees:
Purchase: $150
Rate & Term Refi: $150
TX Home Equity Refi: $250
Documentation Requirements
Incomplete Submission Packages will Delay Submission to Underwriting
Required:
HomeBridge Submission Form
FHA Transmittal Summary
1003 w/ NMLS ID signed by broker and borrower(s): Loans submitted on and after 1/1/18 must include the Demographic Information Addendum
Credit report (must be < 90 days old)
Signed Borrower Certification and Authorization
Non-borrowing spouse in community property states require the following:
Credit report (must be < 90 days old) (N/A on NCQ Streamline)
Signed Borrower Certification and Authorization (N/A on NCQ Streamline)
Paystubs (30 days earnings and YTD) - except NCQ Streamlines
W-2s for 2 years (except NCQ Streamlines)
Tax Returns/ all Schedules – 2 years (N/A NCQ Streamlines)
Purchase Contract w/ Addendums (if applicable)
Bank Statements (if purchase)
Current Mortgage Statement/Note (Streamline only)
AUS Findings (not required on Streamlines)
3.2 file required if submitted outside of HomeBridge broker portal
Completed/Signed 4506-T* (N/A NCQ Streamline) w/attestation box checked
Completed and signed HomeBridge Broker Compensation Election Form (non-approved brokers only)
Service Provider List
Affiliated Service Provider Fee Certification (if applicable)
FHA Case Number (Regular and Streamline credit qualifying transactions – ok if not assigned to HomeBridge)
Loan Estimate (signed if the LE includes a signature line; if no signature line, signed not required)
Broker Compensation and Fee Certification
Notice of Intent to Proceed
Broker Compensation and Fee Certification
Recommended not required (to avoid closing delays):
State Specific Disclosures
FHA Case Number (NCQ Streamlines; ok if not assigned to HomeBridge)
Utility bill for most recent 1 month (NCQ Streamlines owner-occupied transactions only)
Non-borrowing spouse community property states: Form SSA-89 completed and signed (if no SSN, refer to HomeBridge FHA guides)
HOEPA Disclosure (if using broker version in lieu of HomeBridge version). Must be signed by the borrower, include specific counseling agencies located in the immediate area of the borrower’s current zip code, and the content must include, at minimum, the wording contained in the HomeBridge form
203(h) only: Evidence the borrower lived in the impacted area (driver’s license, utility bill, etc.) and acceptable evidence of damage (see guides)
Copy of recorded Manufactured Rider to deed/mortgage for the loan being refinanced (Streamline secured by manufactured home only)
NOTE: Manufactured housing recommended not required: Refer to the Manufactured Housing: Required Documentation topic in the FHA guidelines for complete list of documentation

* If business income used to qualify, completed/signed 4506-T for business required.

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

12/27/17