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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

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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
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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

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

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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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Upcoming Lock Policy Changes

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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Lock Extensions

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    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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