Carrington Mortgage Services, LLC Wholesale Lending Division

Carrington Mortgage Services Opens Offices in Indiana and Connecticut to Accommodate Plans for Growth in 2013

January 8, 2013 – SANTA ANA, CA – The lending division of Carrington Mortgage Services, LLC (Carrington) today announced the opening of two operations centers dedicated to serving the East Coast from both the retail and wholesale lending perspective. The new facilities located in Fishers, IN and Enfield, CT will provide expanded underwriting and processing capabilities in support of the company’s plans for growth in 2013. The related increase in capacity is expected to translate into enhanced service and quicker turn times for loans.

On January 2nd, Carrington opened a new operations center for lending at its existing mortgage servicing location in Fishers. This new center will support all key fulfillment functions for both retail and wholesale lending, including underwriting, document processing, funding, account initiation and management (post-closing functions will continue to be managed at the company’s Santa Ana headquarters). Operations will be led by Center Manager Jeremy Milner.

The company’s Enfield facility is scheduled to open on January 15th and will operate as a dedicated underwriting center led by Underwriting Manager Margaret Ploof with the potential to offer additional capabilities as needed to support Carrington’s customer base.

“We’re headed into a brand new year with an aggressive plan that calls for increasing our capacity, extending our product portfolio and expanding our reach into new markets,” said Ray Brousseau , Executive Vice President of Carrington Mortgage Services, LLC’s Mortgage Lending Division. “Opening the year with two new facilities designed to meet increasing demands within the market and improve the level of service to our East Coast customers demonstrates Carrington’s commitment to growth in 2013.”

Carrington will host a career open house event at its Fishers facility for underwriters and operations personnel on Jan. 16th from 5:30 to 7:30 p.m. local time. An additional open house event will be held at the Enfield facility for underwriting, processing and sales personnel on Feb. 4th from 5:30 to 7:30 p.m. local time. Experienced mortgage professionals interested in attending can contact John Cervantes at (949) 517-7127.

Carrington Mortgage Services Christmas and New Year Schedule

Carrington Mortgage Services is closed Monday and Tuesday, December 24 and December 25, 2012 for the Christmas holiday and Tuesday January 1, 2013 for New Year’s Day.  December 25, 2012 and January 1, 2013 are Federal holidays.

The Lock Desk will be closing early on Monday, December 31, 2012 at 11:00 AM PST.   Normal lock hours will resume on Wednesday January 2, 2013.

Locks that expire on the holidays will automatically roll to the next business day.

In addition there are some important disclosure considerations associated with the holiday.

  • Tuesday, December 25, 2012 and January 1, 2013 cannot be included in the rescission period for refinances
  • Tuesday, December 25, 2012  and January 1, 2013 cannot be included in the seven (7) business day waiting period between the date the initial TIL was provided to consummation
  • When re-disclosure of the TIL is required, December 25, 2012 and January 1, 2013 cannot be included in the three (3) day business waiting period between the date the revised TIL was provided to the borrower and the consummation of the loan

Carrington featured on Yahoo Finance’s Daily Ticker

Carrington Mortgage Holdings EVP Corporate Communications, Rick Sharga, was featured on Yahoo Finance’s Daily Ticker. This video interview covered the current housing recovery, shadow inventory, and the role of investors in the market.

You can find the interview and video here: http://finance.yahoo.com/blogs/daily-ticker/housing-conflicting-factors-sustainable-recovery-172931334.html

Changes to FHA Streamline Affecting 3-4 Unit Properties

Effective Friday, October 12, 2012, 3-4 Unit Properties are no longer eligible for the FHA Streamline program.

For 3-4 unit FHA Streamline refinances that are currently in the pipeline the following applies:

  • Full appraisal required
  • The property must cash flow; full income documentation is required to verify cash flow of the subject property
  • The property must pass a self-sufficiency test in that the gross rents less vacancy factor for all units, including the owner occupied unit, must be => the PITI for the subject property.
  • Verification of three (3) months reserves is required
  • The appraised value will be used to calculate the LTV
  • The loan must fund no later than Friday October 26, 2012.

Active loans in the pipeline that are not currently locked should be locked on or before October 12, 2012.  Loans that are locked after October 12, 2012, will need to contact the Lock Desk for pricing and locking.  To contact the Lock Desk please email CMSLockdesk@carringtonms.com.

FHA Streamline Changes in Effect Monday, 9/17

Please review important changes to the FHA Streamline program.

Starting Monday, September 17th, 2012:

  • An AVM is required on all FHA Streamline loans with FICO scores less than 640.
  • The AVM will be ordered by a Carrington Junior Underwriter early in the process and included in loan file at time of underwriting.
  • The LTV of FHA Streamline loans without an appraisal cannot exceed 115% of the value given on the AVM.

Contact your Account Executive with any questions.

View the complete detailed matrices on our Loan Products page

New Pricing Structure Changes Starting Immediately

The Federal Housing Finance Agency (FHFA) recently directed Fannie Mae and Freddie Mac to increase loan guarantee fees (g-fee) that are charged. As a result, Carrington Mortgage Services will implement a change to our pricing structure for all Conforming Conventional (including High Balance products) loans.

Timing for implementation:

  • Effective immediately, new 45 and 60 day locks will have the new increased fee built into the base pricing.
  • On Sunday, September 16th , the 30 day base pricing will reflect the new fee increase.
  • On Monday, October 1st, the 15 day base pricing will reflect the new fee increase.
  • Any Conventional Conforming loans (Fannie Mae or Freddie Mac product) that are locked on or before September 16 that need to extend beyond Tuesday, October 16th to fund, will be subject to an additional 50 basis point price adjustment over and above normal extension costs. This applies to all relocks and all other extension scenarios.
  • All other extension costs for loans locked on or after Monday, October 1st 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.

Please direct any questions to your Account Executive.

Carrington Mortgage Services Hires Lynn Halstead as Vice President for Wholesale Lending

Addition of Seasoned Mortgage Industry Executive to Drive Growth of Lending Business

Carrington Mortgage Services (Carrington) today announced the addition of Lynn Halstead as vice president of wholesale operations to its Mortgage Lending Division senior management team. Lynn joins Carrington to drive its wholesale lending channel.

"Lynn is exactly the kind of experienced, well-rounded executive we wanted to help grow our wholesale lending operation," noted Ray Brousseau, executive vice president, Carrington Mortgage Services. "Her experience covers virtually every aspect of the business — loan production, client services, lending operations, risk management and secondary marketing — and she excels in talent development, performance management and operational effectiveness."

Lynn brings more than 25 years of mortgage banking and real estate lending experience to Carrington. She started her career at the Household International family of companies where she managed originations and operations in the U.S. and abroad. She also managed both regional and national retail branch networks, loan servicing platforms and the wholesale correspondent lending channel. At AMRESCO Residential Mortgage as senior vice president and chief lending officer, Lynn had responsibility for wholesale and retail branch production and underwriting operations. She was also a senior vice president of national lending at Option One Mortgage, where she grew annual production to $7 billion through strategic alliances with banks and other large institutional clients.

"I am excited to join Carrington Mortgage Services, and am looking forward to working with the team to build a best-in-class origination platform," Lynn commented. "The combination of the company’s entrepreneurial culture with highly engaged leaders and talented associates, made the decision to join Carrington very attractive."

Labor Day Holiday Hours

Monday September 3, 2012 is Labor Day and is a Federal Holiday. Carrington Mortgage Services and the Lock Desk will be closed.

Carrington Mortgage Services will be closing early on Friday August 31, 2012 and the Lock Desk will be closing at 1:00 PST and will be closed on Monday September 3, 2012.

FHA Eases Up on Borrowers with Credit Disputes

The Federal Housing Administration has eliminated

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their own new rule aimed at consumers with even fairly minor “collections debt.” The new rule, which would have gone into effect July 1, required potential borrowers to settle any disputed debts totaling $1,000 or more before the FHA would consider backing their mortgage. The rule originated as part of ML 2012-03 back in April. It was effective for just one week until it was placed on hold by the FHA until July 1 as they fielded questions and concerns. (Any loans written between April 1 – April 8 to fit the guidelines will not be deemed in violation of HUD requirements.) Though the FHA drafted the rule in an effort to reduce risk and protect its emergency fund, they faced immediate pushback with the announcement. Controversy surrounded

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reported on HousingWire.com, an FHA spokesperson said they are still taking comments on the original proposal. All other guidance in ML 2012-3, which became effective April 1, 2012, remains in effect. See the official language in the HUD Mortgagee Letter 2012-10.

2012 Memorial Day Schedule

Monday May 28, 2012 is Memorial Day and is a Federal Holiday. Carrington Mortgage Services and the Lock Desk will be closed. Carrington Mortgage Services will be closing early on Friday May 25, 2012 and the Lock Desk will be closing at 1:00 PST and will be closed on Monday May 28, 2012. As a reminder, pursuant to

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later than Friday May 25th. Additional important disclosure considerations associated with the holiday:

  • Monday, May 28, 2012 cannot be included in the rescission period for refinances
  • Monday, May 28, 2012 cannot be included in the seven (7) business day waiting period between the date the initial TIL was provided to consummation
  • When re-disclosure of the TIL is required, May 28th cannot be included in the three (3) day business waiting period between the date the revised TIL was provided to the borrower and the consummation of the loan

Contact your Account Executive with questions.

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