Change to Pricing Structure for all Conforming Conventional loans

January 24, 2012Company News

As a result of the Temporary Payroll Tax Cut Continuation Act of 2011 passed by Congress and signed into law, the Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to increase loan guarantee fees.

Carrington Mortgage Services will implement a change to our pricing structure for all Conforming Conventional (including High Balance products) loans as follows:

  • Any Fannie Mae or Freddie Mac product loans that are locked prior to January 19, 2012 and need to extend the lock beyond February 14, 2012 to fund will be subject to a 50 basis point price adjustment. This is in addition to any regular extension cost.
  • This applies to all loans with a new expiration date that is on or after February 14, 2012 or to which the lock extension is added on or after February 14, 2012.  This only applies to loans locked prior to February 14, 2012 and that are being extended past that date.  Locks on or after February 14, 2012 will have regular extension costs applied.
  • Includes all relocks and all other extension scenarios
  • All other extension costs for loans locked on or after January 19, 2012 or that close and disburse prior to February 14, 2012 will be subject to the current extension fees as listed on the daily rate sheet

Carrington Mortgage Services will monitor the pipeline and reserves the right to assess the correct extension fees where applicable.

If you have any questions please contact your Account Executive.

Thank you for your continued business.

Holiday Announcement, Martin Luther King Day – Monday, January 16, 2012

January 10, 2012Company News

Monday, January 16, 2012 is the Federal Holiday, Martin Luther King Day.  Carrington Mortgage Services and the Lock Desk will be closed.

Carrington Mortgage Services – Wholesale Lending will be open for business on Tuesday, January 17, 2012 and the Lock Desk will resume normal operation starting at 8:00 AM PST to 4:00 PM PST.

Reminder:

All lock extensions need to be requested prior to their expiration.  If a lock expires on Monday, January 16th then it will need to be extended prior to Friday, January 13th  at 4pm PST.

Disclosure Considerations:

Please note the important disclosure considerations associated with the holiday.

  • Monday, January 16, 2012 cannot be included in the following:
    • Rescission period for refinances .
    • The seven business day waiting period between the date of the initial TIL and the closing date.
    • When re-disclosure of the TIL is required, January 16th cannot be included in the three business day waiting period between the date the revised TIL was provided to the borrower and the closing of the loan.

Please contact your Account Executive with any questions regarding our holiday operations.

Expanded State Lending Capabilities

December 19, 2011Company News

Carrington Wholesale Mortgage is now open for business in New Mexico, Illinois, Pennsylvania, and Virginia! Effective immediately, all of our loan programs and products are available for subject properties located in any of these states*.

We are also currently looking for new Brokers in these states…if you’d like more information about becoming an approved Carrington Wholesale Lending partner, please contact your Account Executive.

To make the approval process quick and easy, we leverage the services of Comergence Compliance Monitoring to process new applications. You can register (or log-in if you are already registered) to the Comergence system right now at https://www.comergence.com/brand/carringtonmortgage.aspx

Did you know that Carrington Wholesale Mortgage is licensed in 40 different states? We will be expanding our Wholesale network into many new markets in 2012, so stay in touch with your Account Executive for all the exciting new opportunities available in the coming months.

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

Lock Desk Announcement – Reduced DU-Refi Plus Pricing Adjustments

December 15, 2011Company News

Carrington Wholesale Lending remains committed to providing you, our valued customers, with highly competitive pricing and a robust product set. Our FannieMae DU-Refi Plus products, for example, are available in both Fixed-rate and LIBOR ARM versions for not only Conforming loan amounts, but also High Balance loans designed to meet the needs of those areas of the country with higher loan limits.

To support your efforts in delivering the best value to your clients, effective Monday, December 19th, 2011, the maximum cumulative adjustments (excluding loan amounts and impounds waivers) on the DU-Refi Plus products will be 1.75%! 

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

Holiday Lock Desk Hours

December 14, 2011Company News

Christmas Day, 2011 and New Year’s Day, 2012 are federal holidays and both fall on a Sunday. In observance of these holidays, CMS Wholesale Lending and the Lock Desk will be closed on Monday, December 26, 2011 and Monday, January 2, 2012.

Pursuant to the CWL Lock Policy, all lock extensions need to be requested PRIOR TO their expiration. If a lock expires on either Monday, December 26th, or Monday, January 2nd, then it will need to be extended no later than the prior business day (Friday, December 23rd and Friday, December 30th, respectively).

The Lock Desk will be closing at 11:00AM (Pacific) on both Friday, December 23, 2011, and Friday, December 30, 2011 as a result of the early closure of the Bond market on those days. All new lock requests, extensions, re-locks or changes must be received prior to 10:30AM in order to be honored for that day.

Normal Lock Desk hours will resume on Tuesday December, 27, 2011 and Tuesday, January 3, 2012.

The Lock Desk wishes you a safe and happy Holiday Season.

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

Increased FHA High-Cost Loan Limits Now Available

December 9, 2011Company News

Subject: Increased FHA High-Cost Loan Limits Now Available
Date: 12/09/2011

In response to the changes prompted by the Consolidated and Further Continuing Appropriations Act of 2012 (which President Obama signed into law on November 18, 2011), HUD recently issued Mortgagee Letter #2011-39 announcing the acceptance of the return to the “higher” Conforming FHA loan limits for properties located in designated “High-Cost” areas.

Specifically, effective for case numbers assigned November 18, 2011 through December 31, 2011, FHA’s maximum loan limits have been restored to the “temporary” High-Cost loan limits that were in effect from January 1st through September 30th of this year. As a result, the loan limit for Carrington Wholesale Lending FHA loans in High-Cost areas is once again $729,750 for a one-unit property (and higher for multi-unit properties).

Please note that loans having case numbers assigned between October 1, 2011 and November 17, 2011 continue to be subject to the lower loan limits published in FHA Mortgagee Letter #2011-29. The actual loan limit for any given loan in the United States varies by county and can be determined using the look-up tool available on HUD’s website at: https://entp.hud.gov/idapp/html/hicostlook.cfm. In order to accommodate the various changes to the maximum Conforming loan amount that have been made over the past year, the look-up possibilities on that website include the following timeframes:

  • Calendar year 2010
  • January 1, 2011 – September 30 , 2011
  • October 1, 2011 – November 17, 2011
  • November 18, 2011 – December 31, 2011
  • Calendar year 2012

The CASH system has been updated to recognize any applicable loan-limit changes and to accurately differentiate a Conforming loan from a Jumbo loan, based on product type and ZIP code.

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

Uniform Collateral Data Portal (UCDP) Requirements

December 2, 2011Company News

Effective for all Conventional loan applications dated December 1, 2011 and after, appraisal reports will need to be uploaded to the new Fannie Mae/Freddie Mac Uniform Collateral Data Portal (UCDP). At this time, appraisals used for Non-Conforming loans, as well as for Government loans, will not be required to be submitted to the UCDP.

Overview
The Uniform Collateral Data Portal (UCDP) is an electronic repository established by Fannie Mae and Freddie Mac to accept and store appraisal reports in advance of receipt of the actual loan file by those GSE’s. This “early” submission process for appraisals on Conventional loans will ensure that the appraisal report is acceptable, and that Carrington Wholesale Lending has ample time to obtain any corrections needed prior to the loan’s deliver to Fannie Mae or Freddie Mac.

Appraisal Acceptability
Appraisals submitted to the UCDP will go through a series of compliance checks and the UCDP system will generate a report showing the status of the appraisal at the time it is uploaded. Appraisals must receive a “Successful” status in the UCDP in order to be eligible for funding. Appraisals that receive a score of “Not Successful” or “Rejected” will need to be corrected by the Appraiser and re-uploaded to the UCDP for re-scoring before the loan can be cleared for docs.

Although our approved Brokers will not be responsible for submitting appraisals to the UCDP, Carrington Wholesale Lending will require that Brokers cooperate in obtaining any needed corrections on appraisal reports which are not deemed to be “Successful” by the UCDP system.

Please note that the receipt of a “Successful” score from the UCDP has no bearing on whether or not the value shown on an appraisal report is valid. We will continue to employ our existing internal appraisal review process for all appraisals, Conventional or otherwise, and it is still the Underwriter, not the UCDP, who will ultimately verify an appraisal’s quality and determine the soundness of the property’s value, as indicated by the Appraiser.

Appraisal Transfers
Due to the UCDP compliance requirements as outlined by Fannie Mae and Freddie Mac, we can no longer make exceptions to our prohibition against accepting appraisals “transferred” from other Lenders on Conventional loans. Effective immediately, transferred appraisals cannot be accepted on Conventional loans with application or appraisal report dates of December 1, 2011 or later, under any circumstances.

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

VA Funding Fee Changes

November 28, 2011Company News

Date: November 28,2011 Subject: VA Funding Fee Changes Bulletin Number: There have been several revisions to the VA Funding Fee schedule over the past couple of months, but it appears

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as though a “permanent” fee structure is now in place and should remain unchanged for the next 5 years. The current VA Funding Fees are as follows:

Loan Fee

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Structure for VA-Guaranteed Loans

Effective: November 22, 2011 through September 30, 2016

Veteran Reservist/National Guard
First Time Use     2.15% 1.50% 1.25%  

2.40%1.75%

1.50%

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Less replacement smooth order received.

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10 percent 10 percent or more

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1 includes “Cash-Out” Refinancing loans   If you have additional questions, please consult with your Account Executive.  

Product Announcement – FNMA Lender-Paid Mortgage Insurance Program

November 8, 2011Company News

 LPMI Program Now Available! 

Effective November 8, 2011, Conventional 30-year Conforming and High Balance Fixed-Rate loans with Lender-Paid Mortgage Insurance (LPMI) are available under product codes 2C30FLPMI and P2H30FLPMI, respectively.

Pricing is now available on the rate sheets posted in the Loan Programs section of our website. When using the CASH system, please choose “99” form the Mortgage Insurance drop-down if creating a scenario for an LPMI loan.

For specific program qualifying requirements, please review the attached Product Guidelines which are also posted on our website.

If you have additional questions, please consult with your Account Executive.

Thank you for your continued business!

Upcoming Lock Policy Changes

October 7, 2011Company News

Date: October 7, 2011
Subject: Upcoming Lock Policy Changes
Bulletin Number: W1106 UPCOMING LOCK POLICY CHANGES

Effective October 14th, there will be several changes to the CMS Wholesale Lending Lock Policy. The details of those changes will

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want to give you advance notice of some of the more important changes in three specific areas so that you can plan accordingly:

Lock Extensions

    1. Lock Extension requests on Agency Fixed Rate loans (including FHA, VA and Conventional Conforming) will need to be made prior to lock expiration.
    2. Locks extension fees will be as follows:
      • 1-2 Day Extension: No Charge (loan must be ready to fund)
      • 3-5 Day Extension: Current Net Price minus .125
      • 6-10 Day Extension: Current Net Price minus .250
      • 11-15 Day Extension: Current Net Price minus .500
    3. Extension requests will be allowed within 10 days of lock expiration.
    4. The maximum number of days a lock can extended will be limited to 15
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    5. The total number of days a lock can be extended will be limited to 30 days.
    6. After 30 days total extended, loan locks will be priced at worst-case between current net price minus .250 and current market price minus .250. Loans will then be relocked for 10 days.
    7. All loans will be required to fund on or before the Lock Expiration Date. (Locks expiring on a Saturday, Sunday, or a holiday will be due the next business day. If the loan does not fund prior to the Lock Expiration Date, the lock is no longer valid).
    8. Rate Lock Extensions requests for all Government Streamline, ARM, Jumbo and Specialty programs will be considered on a case by case basis.

Re-Locks:

    1. Re-lock requests for Agency Fixed Rate loans (including FHA, VA and Conventional Conforming) will be allowed at any time after
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      the original lock has expired at the higher cost (worse-case) of:

      • The current net price (including all extensions costs already incurred) minus .250 OR
      • The current rate sheet (market) price minus .250
    2. At the time of re-lock, pricing will be compared using the original lock term. The loan product and interest rate must still be available and the loan must conform to current product guidelines and all prior-to-doc conditions will need to be met.
    3. Loans will be re-locked for a total of 10 days.
    4. Locks will be required to been expired 60 days before being considered for a new lock at current market.
    5. Re-locks for all Government Streamline, ARM, Jumbo and Specialty programs will be considered on a case by case basis.

Renegotiations:

    1. Renegotiation requests for Agency Fixed Rate loans (including FHA, VA and Conventional Conforming) will be allowed a one-time float down to assist in managing loan fallout due to improved market conditions. All eligible loans in valid lock status will be eligible for renegotiation under the following terms:
    2. The cost for a renegotiated rate is as follows:
    3. Extensions and/or re-lock requests for loans that have been renegotiated will be subject to the terms of the Relock Policy.
    4. Rate lock renegotiations for all Government Streamline, ARM, Jumbo and Specialty programs will be considered on a case-by-case basis.

If you have additional questions, please consult with your Account Executive.

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Issues related to locks should be sent via e-mail to Secondary Marketing.

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