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  • Title I
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CMS will be open Tuesday, February 21stresuming normal operation hours from 8am to 4pm PST. Reminders:

  • All lock extensions will need to be requested by Friday, February 17th, including those expiring on Monday, February 20th.
  • Monday, February 20, 2012 cannot be included in the rescission period for refinances.
  • Monday, February 20, 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, February 20th cannot be included in the three business day waiting period between the date the revised TIL was provided to the borrower and the consummation of the loan.

If you have any questions please contact your Account Executive.

W1204 – Wholesale Submission Form Changes

Carrington Mortgage Wholesale Lending is revising the minimum submission requirements for Wholesale loan files. These new requirements will be in effect for all files submitted on or after February 1, 2012. Below is a brief summary of the major changes: Conventional Files: Added:

Removed:

  • Signed Mortgage Broker Fee Agreement

FHA/VA Files: Added:

  • AUS Findings with supporting documentation as optional
  • Clarification to income requirements
  • Carrington Borrower Authorization
  • Social Security Authorization Form

Removed:

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    • Print out for all parties processed through LDP/GSA
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There is added clarification for MI, LPMI and Streamline FHA documents. The following further defines the additions to the required documentation:

  • Clarification to income requirements is defined as two (2) years tax returns and two (2) current paystubs or the minimum AUS findings.
  • Borrower Authorization form in the name of Carrington Mortgage Services is needed to facilitate the ordering of verifications with certain institutions.
  • The Social Security Authorization Form is needed to facilitate the QC process and can be found on the website under Useful Forms, SSA Consent Form.

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the new submission form is available on the website in Broker Center/Documents & Forms Please direct any questions to your Account Executive

Change to Pricing Structure for all Conforming Conventional loans

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 Water Park. Carrington Mortgage Services will implement a change to our pricing structure for all Conforming Conventional (including High Balance

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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

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.

Please contact your Account Executive with any questions regarding

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