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)

State of TN Tax Information

State of FL Tax Information

State of AL Tax Information

State of GA Tax Information

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 Sponser/Lender Codes

FHA Streamline Refinance Info

FHA Streamline Refinance Worksheet (excel format)

FHA MIP Refund Amounts on Refinances  

Lender List & Contacts:

Lender List

Property Tax Websites:

TN Property Tax website

GA Property Tax Website

Payroll Forms 

Closed Loan Payroll Submission Sheet

Neighborhood Mortgage Policy Documents:

Quality Policy

Privacy Policy

Marketing Information:

Directions to the Office

Neighborhood Top Four in the State of GA

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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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