Memos

Product Memos Policy & Procedure Memos Compliance Memos What I Need to Know (WINK)

Product Memos

Topic	Date Published
Conventional Appraisal, Fannie Mae Update Conventional Appraisal, Fannie Mae Update	February 10, 2022
Expiration of CV 19 SE Income Requirements Expiration of CV 19 SE Income Requirements	February 4, 2022
Changes of VOE (VVOE) and refreshed credit requirements Changes of VOE (VVOE) and refreshed credit requirements	February 2, 2022
VA Notice of loan limits VA Notice of Nationwide Loan Limits 2022	January 11, 2022
FHA Notice of FHA loan limits FHA Nationwide Loan Limits for 2022	January 11, 2022
CHL Big News! Instructions for the new portal	October 28, 2021
Minimum FICO Score	March 10, 2021
4506C Update 4506C Update Announcement 4506C Document	February 9, 2021
Non-Delegated Lenders Announcement: New CHL Staffs & Updated UW Checklist Announcement Page CLD Pre-Underwriting Checklist	December 2, 2020
NOTE/Allonge Mailing Address Change	November 6, 2020
Jumbo Loans and All Locks Update	March 23, 2020
VA DTI Max 55% Announcement	August 26, 2019
FNMA/FHLMC Pricing Update & USDA Non-Delegated Product	February 12, 2018
Texas 50(a)6 Matrix	January 24, 2018
Texas A(6) Changes	December 27, 2017
Jumbo Update & VA LSAM	December 27, 2017
R Jumbo Update	August 9, 2016
FNMA 97 Product Change to Minimum Loan Amount	April 15, 2015
Mandatory Lock Requirements REMINDER/Gift Funds on FNMA Loans	May 27, 2014
VA Jumbo Product/Changes to Mandatory Product	April 24, 2014

Policy & Procedure Memos

Topic	Date Published
VA IRRRL Transactions, COE's and VA Funding Fee Exemption Status	August 26, 2021
Fannie and Freddie, CV-19 Policies Update	August 13, 2021
COVID-19 Forbearance Update	May 5, 2020
COVID-19 Cornerstone Home Lending FICO UPDATE	April 14, 2020
COVID-19 Income and Employment Update	April 9, 2020
COVID-19 Borrower(s) and Lender Attestation – Requirements	April 8, 2020
COVID-19 Loan Closing Attestation	April 7, 2020
COVID-19 Borrower(s) and Lender Attestation	April 7, 2020
COVID-19 Cornerstone Home Lending (Tax Transcripts, Locks, VOE, FICO SCORE)	March 28, 2020
#2 Agencies Address Documentation Guidance (VVOE/Appraisals)	March 24, 2020
Jumbo Loans and All Locks Update	March 23, 2020
#1 Agencies Address Documentation Guidance (VVOE/Appraisals)	March 23, 2020
Trailing Documents Update	March 8, 2019
Seller Paid Fees	September 27, 2018
Fee Schedule Changes	August 24, 2018
CD/UCD Submission	June 22, 2018
FNMA/FHLMC Pricing Update & USDA Non-Delegated Product	February 12, 2018
Jumbo Update & VA LSAM	December 27, 2017
ULI	November 29, 2017
UCD	September 15, 2017
4506T	January 9, 2017
NM Clear to Close	January 26, 2016
5 Day Lock Exp	January 25, 2016
FNMA Self Employment Income	January 12, 2016
CU Complete Report and Upload Reminder	January 11, 2016
Tax Transcript Reject	July 9, 2015
Properties Located in a FEMA Declared Disaster Area	June 24, 2015
FNMA 97 Product Change to Minimum Loan Amount	April 15, 2015
Updated Submission Form – Undiscounted Rate	January 21, 2015
Servicing Transfer Address Change/Escrow Holdback Policy	September 9, 2014
Mandatory Regulatory Section of CLD Delivery Submission Form	August 14, 2014
Mandatory Lock Requirements REMINDER/Gift Funds of FNMA Loans	May 24, 2014

Compliance Memos

Topic	Date Published
TRID Issues Bulletin	March 7, 2016
Top 10 TRID Issues	February 25, 2016
Early TRID Issues	December 30, 2015
TRID Q & A	October 1, 2015
Disclosure Comparison	October 1, 2015
TRID Implementation	September 24, 2015
Dodd-Frank Act – ROLL OUT	January 9, 2014