Loan Officer Tool Kit
NMI EMPLOYEE HANDBOOK 2009 (click and download)
LENDER's Specific Required Forms
POINT Template Files: Download these template files by right-click your mouse and choose "Save target as" and change the name of the file to remove the .TXT extension. Change the save location to your c:\PNTTEMPL directory as noted below....
Georgia Loan Template - Download into your c:\PNTTEMPL\BRWMASTR directory and then change to that directory and rename the file from .TXT to .BMT
Disclosure Letter for ECOA - Download into your c:\PNTTEMPL\CustomDoc directory and then change to that directory and rename the file from .TXT to .PCD
Cover Letter for Loan Application - Download into your c:\PNTTEMPL\CustomDoc directory and then change to that directory and rename the file from .TXT to .PCD
When printing in Calyx: click PRINT, then click on the Custom Doc tab to access your custom documents
Authorization Forms for your client:
Credit Card Charge Authorization - to charge appraisals, inspections, etc
Credit Report Inquiry Authorization
INFO you need to properly fill out your GFE:
GFE Fee's and are they Pre-paid Finance Charges(PFC)
Disclosures to be sent to client after a credit pull:
HUD Settlement Costs Booklet - always
CHARM Booklet - ARM disclosure when client selects an ARM loan
Equal Credit Opportunity Act Disclosure Letter (see template above)
Fair Credit Reporting Act form
Good Faith Estimate Explanation Disclosure - Optional
Credit Score Explanation Booklet - Optional
Fraud Information:
Quality & Fraud Control Policy - you need to be familiar with this document
White Paper on Fraud with examples to look out for...
Red Flags to Watch Out for on Loans
Fraud Control Check Sheet - MUST be completed BEFORE sending to Lender
TRV 4506T Order Form - used to pull tax transcipts to compare to borrower submitted documents without proof of filing.
High Cost Loan Test Forms
Georgia High Cost Loan Test Form
Tennessee High Cost Loan Test Form
Processing Information & Forms
Loan Application - list of forms (incl FHA)
Fraud Control Check Sheet - MUST be completed BEFORE sending to Lender
Processing Cover Sheet - to be filled out for submission to processing
Processing Document Checklist - loan document checklist for processing a loan
Appraisal requirements in a declining market
Appraisal requirements in a declining market (ver2)
Computing Income from Tax Returns
FHA Loan Information:
FHA Streamline Refinance Worksheet (excel format)
FHA MIP Refund Amounts on Refinances
Lender List & Contacts:
Property Tax Websites:
Payroll Forms
Closed Loan Payroll Submission Sheet
Neighborhood Mortgage Policy Documents:
Privacy Policy
Marketing Information:
Neighborhood Top Four in the State of GA
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EOE Lender Logo
Neighborhood Mortgage - 1835 Lockeway Drive Suite 306 - Alpharetta, GA 30004
Office Phone: 678-990-8600 Fax: 678-990-8601 Toll Free Phone: 1-877-208-6451
Equal opportunity Lender
Neighborhood Mortgage is a Georgia Residential Mortgage Licensee # 16837 , Tennessee Registrant # and a HUD approved Lender.
National Mortgage Licensing System Registration #138234
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