Mini-Correspondent Sellers Guide

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1 Mini-Correspondent Sellers Guide

2 Table of Contents Table of Contents Introduction... 3 Caliber Home Loans Mini-Correspondent Program... 3 Products... 3 Using This Guide Program Details... 4 Roles and Responsibilities... 5 Disclosures... 7 Electronic Signatures on Initial Disclosures... 8 Appraisal Ordering... 9 Registration Tax Transcripts Flood Certification Rate Lock and Commitment Term Change of Circumstance Disclosures Underwriting Purchase Approval Review Clear to Close Ordering Documents and Closing Funding to Title Post Funding Private Mortgage Insurance Audit and Purchase Payment Transfer s Final Documents Late Fees Appraisal Appraisal Review Process Appraisal Compliance Requirements FHA Requirements Approval Requirements Submission Requirements July 23, 2013 Page 1 Caliber Home Loans. 2013

3 Appraisal Requirements Closing Purchase Jumbo Advantage Products Jumbo Product Overview Jumbo Appraisal Review Process Jumbo Advantage Lock Options Requesting Approval Document Preparation and Closing Attachments A Mini C FHA Case Number Request Form for Sponsored Correspondents B Submission Review Checklist Conventional C Mini Correspondent LOAN SUBMISSION CHECKLIST JUMBO LOANS D Mini Correspondent LOAN SUBMISSION CHECKLIST FHA PURCHASE/REFI E Mini Correspondent LOAN SUBMISSION CHECKLIST FHA STREAMLINES F RESPA Changed Circumstance Detail Form H Notice to Borrower in Special Flood Hazard Area NFIP Participating Community I Notice of Assignment, Sale, or Transfer of Servicing Rights July 23, 2013 Page 2 Caliber Home Loans. 2013

4 1 Introduction Caliber Home Loans Mini-Correspondent Program Caliber Home Loans Mini-Correspondent Program was developed for Mortgage professionals that have the resources to fund their own loans but are looking to avoid the added operational costs associated with employing an Underwriting and Closing/Funding staff. To become an approved Mini-Correspondent with Caliber, please contact your Account Executive. Inquiries for approval can be sent to Caliber requires the Correspondents to be in compliance with all applicable state and federal laws and regulations. Correspondents are advised to work directly with their legal and compliance departments to ensure regulatory compliance in performing the functions of a Mortgage Banker. Caliber does not purchase loans (i) that exceed federal, state and/or local high-cost points and fees thresholds; (ii) that meet the definition of state or federal higher priced mortgage loan definitions; (iii) originated by unlicensed companies/originators; (iv) with uncured RESPA tolerance violations. Products Caliber s Mini-Correspondent Program offers the following products: FHA, Conventional Fixed and ARM products which includes: Conforming Fixed & ARM Products available DU Refi Plus HomePath for FNMA owned REO s Relief Refinances and Open Access is available on fixed rates only High Balance Fixed & ARM as well as Super Conforming loan amounts are permitted Jumbo Note: Caliber does not currently offer VA or USDA through our Mini C channel. Using This Guide Caliber Home Loans purchases loans from approved Mini Correspondents ( Correspondents ) subject to the terms of this guide (the Seller Guide ) and the Mini-Correspondent Loan Purchase Agreement (the Agreement ). July 23, 2013 Page 3 Caliber Home Loans. 2013

5 This Seller Guide details the responsibilities, processes, terms and conditions a Correspondent must follow in order to participate in Caliber s Mini Correspondent Program. 2 Program Details The Program Details Section of this Guide contains specific program information regarding the following topics: Roles and Responsibilities Disclosures Appraisal Ordering Registration Tax Transcripts Flood Certification Rate Lock and Commitment Term Change of Circumstance Disclosures Underwriting Purchase Approval Review Clear to Close Ordering Documents and Closing Funding to Title Post Funding Private Mortgage Insurance Audit and Purchase Payment Transfer 1098 s Final Documents Late Fees July 23, 2013 Page 4 Caliber Home Loans. 2013

6 Roles and Responsibilities Correspondent s Role and Responsibilities The Correspondent owns the customer relationship which includes all interaction with the Borrower(s), the decision to extend credit to the Borrower(s), and the funding of the loan. The Correspondent s responsibilities include, but are not limited to the following: (i) (ii) (iii) (iv) (v) (vi) (vii) Originate the loan and submit to Caliber for purchase approval via Caliber s online LOS (H2Online) Prepare and provide all necessary applications, disclosures, and redisclosures (including, change of circumstance GFEs and all Truth in Lending re-disclosures) and otherwise acting in compliance with all federal and state laws Cure any RESPA violations prior to funding Order the appraisal through an AMC Order a tri-merged credit report and tax transcripts for all Borrowers Disclose to borrower if property is in a flood zone, based on the life of loan flood certification ordered by Caliber Lock the loan with Caliber Funding and ensure the loan funds on your warehouse line, prior to lock expiration. (viii) Max Rebate disclosed on the rate sheet. (ix) (x) (xi) (xii) FHA- Principle Agent Correspondent will provide case number and run CAVIRS FHA Sponsored originator Correspondent will request from Caliber the case number prior to submitting loan to UW. Run LDP/GSA Run automated underwriting (DU, DO, or LP) and fully process the loan file prior to submitting to Caliber for underwriting purchase review (xiii) Submit a complete credit package with a completed Underwriting Purchase Review Submission Coversheet that indicates all required documents are included (xiv) Provide the required ECOA notification to the Borrower(s) within the timeframe required under federal and certain state laws (xv) Order closing documents once a Clear to Close ( CTC ) has been issued by Caliber. (please refer to the Funding to Title section for further information on delegated and non-delegated) July 23, 2013 Page 5 Caliber Home Loans. 2013

7 (xvi) Delegated closing: Correspondent responsible to re-verify verbal verification of employment if closing will take place more than 10 day from date Caliber completed the VVOE. The expiration date will be shown on conditional approval as a Prior to Funding Condition. (xvii) Delegated Closing - Fund the loan on a warehouse line obtained by the Correspondent. Non-Delegated- Caliber will fund the loan using Correspondents warehouse line. (xviii) Register the loan with MERS, prior to generating Caliber loan. At time loan is generated with Caliber, input MERS number into H20nline and transfer the beneficial and servicing rights within five (5) days of purchase. (xix) Ensure a Shipping Package is delivered to Caliber for purchase review within required timelines and clear any post-closing suspense conditions. (xx) Issue a RESPA compliant good-bye letter to the Borrower upon Caliber purchasing the loan and promptly deliver all trailing docs to Caliber as they are received. Caliber Home Loans Role and Responsibilities Caliber Home Loans will not make the decision to extend credit to the Borrower, but rather will provide the Correspondent with an approval to purchase the loan, prior to the loan closing, subject to the loan closing correctly. Caliber Home Loans responsibilities include, but are not limited to the following: (i) (ii) (iii) (iv) Review the credit package submitted by the Correspondent for underwriting purchase review and issues a Purchase Approval or list of conditions the Correspondent must clear in order to obtain a purchase approval. Where there is a fraud alert on the credit report, Caliber calls the borrower. We tell the borrower that we are Caliber and Caliber is contracted on behalf of the Correspondent. Then we go into verifying per the fraud instructions on the credit report. If the borrower has any additional questions we will tell them that we will have the Correspondent call them directly to cover those questions. Upon purchase approval, issue a CTC to the Correspondent once the loan has successfully passed a CTC review. Non-Delegated Closings: Perform a Verbal Verification of Employment July 23, 2013 Page 6 Caliber Home Loans. 2013

8 (v) (vi) (vii) (viii) (ix) (x) (xi) (xii) (xiii) no more than 10 days prior to the Note date. Delegated closing: Perform a Verbal VOE prior to CTC. (Correspondent responsible to re-verify if closing will take place more than 10 days from date shown on conditional approval) Non-Delegated Closings: Caliber will approve the HUD-1 and post the closing documents, Caliber to coordinate closing with the Settlement Agent, Correspondent, and the Correspondent s warehouse line. Non-Delegated Closings: Caliber will follow the funding and disbursement procedures outlined by the Correspondent s warehouse line. Delegate Closings: Correspondent will coordinate funding of the loan from Correspondent s warehouse line prior to lock expiration. Review the Shipping Package delivered by the Correspondent and issues a Clear to Purchase or Purchase Suspense Notification that outlines the conditions that must be cleared prior to purchase. Purchase the closed loan from the Correspondent once all purchase conditions have been satisfied. FHA Sponsored correspondents, Caliber will provide case number and run CAVIRS Caliber will be responsible for insuring the loan with FHA. Caliber will withhold the upfront MIP from the purchase price and will remit this amount to FHA. Disclosures The Correspondent is responsible for issuing initial disclosures including, but not limited to, the GFE and TIL to the Borrower(s) within the required timeframes and must maintain proof of delivery. Each change of circumstance GFE must include a completed Change of Circumstance Detail Form and a TIL. Caliber will require proof of compliance prior to issuing the Clear to Close. Critical GFE/TIL violations that cannot be cured may result in Caliber s inability to issue a Clear to Close or Approval to Purchase. It is important that the Correspondent understand their responsibility for properly issuing disclosures to the Borrower. In the case of a Rate Lock, the triggering event will be defined as the date the July 23, 2013 Page 7 Caliber Home Loans. 2013

9 client locked the rate with their customer. This does not need to be the same date they lock the loan with Caliber. Caliber will require a lock confirmation or a lock in agreement to validate the date of the lock. The Correspondent will be required to comply with all Federal advance disclosures requirements, as well as any state or municipal specific and loan program specific disclosures, including but not limited to: Equal Credit Opportunity Act (ECOA),Regulation B, Consumer Credit Protection Act, Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act of 2003 (FACTA), Patriot Act, TILA, Regulation Z, RESPA, Regulation X, HOEPA, etc. Caliber will not purchase any mortgage loan that is defined as high cost, HPML or predatory under any federal, state, local and secondary market law, statute, ordinance or policy, including but not limited to Section 32. Electronic Signatures on Initial Disclosures The following list of documents is used in the initial loan origination process and may be signed electronically in compliance with applicable law: Initial loan application Real Estate Purchase and Sale Agreement o Electronic signatures are acceptable for both the borrower and seller Initial Truth-in-Lending Disclosures o MDIA still requires the borrower to receive the creditors TIL in order to charge any fee other than a reasonable credit report fee. Initial Federal & State Specific Mortgage Disclosures IRS Forms Other broker-specific forms that do not require notarization or July 23, 2013 Page 8 Caliber Home Loans. 2013

10 witnesses. Important Note: This policy applies only to the borrower s signature on initial disclosures as outlined in the Electronic Delivery & Signatures Policy. The Broker may not sign the initial application electronically. Location The E-Sign laws require the entity seeking to utilize electronic delivery and signatures to develop processes to obtain consent to the electronic delivery of documents and to ensure that signatures are executed by the person against whom enforcement is sought. Qualifying Loans This policy applies to Conventional, VA, and USDA loans. FHA does not allow electronic signatures on initial disclosures. The following loan types do NOT qualify for E-Sign: FHA loans FHA loans are not allowed to have electronic signatures on initial disclosures. However, the borrower/seller may sign the sales contract electronically. Jumbo loans Loans with Property Inspection Waivers (PIW) Homepath DU Refi Plus (DURP) Conv >95% Second home >80% Investment property >75%. Waive the 1007/216 on investment property Any loans containing a guideline exception Appraisal Ordering The Correspondent must order the appraisal from an Appraisal Management Company ( AMC ). The Correspondent will establish a direct relationship with the AMC and the appraisal must be ordered in the Correspondents name. It is the Correspondent s responsibility to ensure the appraisal order is compliant with MDIA, RESPA, AIR, and all other applicable laws and July 23, 2013 Page 9 Caliber Home Loans. 2013

11 regulations. Caliber will not accept an appraisal that has been transferred to the Correspondent. Exceptions will be reviewed on a case by case basis. The Correspondent is required to provide a copy of the appraisal to the Borrower at least three (3) days prior to closing. See additional information in the Appraisal Chapter. Registration The Correspondent can register a mini-correspondent loan with Caliber online at H2O.Caliberdirect.com. After signing into H2Online and clicking the Register Loan link, the Correspondent will have the option to specify whether the loan will be wholesale or mini-correspondent. Once a loan has been registered as a mini-correspondent or wholesale loan, the channel cannot be changed. If the Correspondent would like to switch a loan from minicorrespondent to wholesale, they must cancel the mini-correspondent loan and register a new loan under the wholesale channel. Tax Transcripts Flood Certification The Correspondent is responsible for obtaining a properly executed 4506T from the Borrower(s) and ordering tax transcripts. Tax transcripts must be ordered through a third party vendor. Caliber will require tax transcripts to be included in the file at the time of underwriting purchase review based on what was called for in the AUS findings. If the required tax transcripts are not included in the file submitted for underwriting purchase review, Caliber will condition for the transcripts on the conditional approval. Caliber will order the flood certification. The applicable flood certification fee will be recovered by Caliber by netting the amount out of the purchase wire. The Correspondent may not charge a flood certification fee to the Borrower at closing with a different amount from the actual cost of the flood certification. Caliber requires the Borrower be notified at least 10 days prior to the July 23, 2013 Page 10 Caliber Home Loans. 2013

12 closing for any property located in a flood zone. Caliber will send the flood disclosure. Caliber will also accept the Correspondent s proof of disclosure signed by the Borrower that is dated at least 10 days prior to closing. Rate Lock and Commitment Term When locking, the Correspondent will see their mini-correspondent or wholesale rate sheet based on how the loan was registered. Rate Lock Commitments will be issued as best efforts. Caliber will issue a rate lock date and lock expiration rate in H2Online. The rate lock date will be used by the originator to guarantee a rate to the Borrower. A Caliber lock confirmation is not a commitment to purchase a loan. All loans are to be delivered by the lock expiration date. This is effective on all loans locked on or after May 1. The file is considered Delivered when the complete signed closing package is uploaded to Caliber. o Correspondent must deliver the Shipping Package (Collateral package and hard signed closing package) to Caliber for purchase within two (2) days from time of funding or review of the uploaded closing package; whichever happens later. o For loans that fail to comply with these time frames a daily late fee will be applied until the loan is purchased (see the Late Fees section). Premier Pricing Eligibility Clients will be eligible to receive Premier pricing if they average a minimum of $1.5 million funded volume or 10 funded units per month. Averages will be based on a 3 month average and adjusted quarterly. The first evaluation period will be April, May and June 2013 with Premier Pricing being applied for qualifying customers during the first week of July. The next evaluation period will be the third quarter (July, August and September) Clients who average less than $1.5 million or 10 units funded per month will receive Basic Mini Correspondent pricing. For basic Mini Correspondent pricing rate sheet A will be set equal to the Wholesale Borrower Paid rate sheet. July 23, 2013 Page 11 Caliber Home Loans. 2013

13 Margin Selection There will be two sets of Mini C rate sheets: Mini C & Mini C Premier. Regardless of which rate sheet version a client is assigned to, rate sheets can still be custom built with a selected level of margin included in the pricing that loan officers will see on the rate sheets and in H2O. Margin can get set at the following levels. Rate Sheet A = 0% Margin Rate Sheet B =.125% Margin Rate Sheet C =.25% Margin Rate Sheet D =.50% Margin Rate Sheet E =.75% Margin Rate Sheet F = 1.00% Margin Rate Sheet G = 1.25% Margin Comparison to Wholesale Pricing Mini C Rate Sheets Rate Sheet A (0% Margin) = Wholesale Borrower Paid Rates Mini C Premier Rate Sheets Rate Sheet A (0% Margin) = 25 bps better than Wholesale Borrower Paid Rates Change of Circumstance Disclosures The Correspondent is responsible for ensuring that all required federal and state disclosures are prepared and provided to the Borrower within the time frames required by law. This includes ensuring that any Change of Circumstance GFE and all Truth in Lending re-disclosures are correctly completed and delivered to the Borrower within three (3) days of the Correspondent becoming aware of the change of circumstance. The TIL must be re-disclosed if any change of circumstance results in increasing the APR by more than and closing may not occur until three business days after the Borrower receives the re-disclosed TIL. Each change of circumstance GFE must include a completed Change of Circumstance Detail Form and a copy of the TIL for review of the new APR, to determine if the TIL is required to be re disclosed to the July 23, 2013 Page 12 Caliber Home Loans. 2013

14 borrower. Underwriting Purchase Approval Review For each loan submitted to Caliber for review, a Caliber Underwriter will complete an analysis of the loan prior to issuing a purchase approval. The Underwriter will provide the Correspondent with a purchase approval decision and any conditions that must be cleared prior to the loan proceeding to Clear to Close review. The loan review will include but is not limited to the following: Verification of all data that was submitted for each loan Loan s compliance with the applicable underwriting guidelines and product categories Confirmation of the value of the property Correspondent s compliance with federal and state laws Risk Review -The file must receive acceptable and passing results in adherence with all Caliber fraud screening, regulatory compliance and valuation requirements Executed 4506-T for all Borrowers on the loan will be verified as part of the purchase review with tax transcripts returned by the IRS. Income must match documents and application submitted in the loan file At closing (delegated or non-delegated) Caliber will also require Borrowers to execute another 4506-T with closing documents. Verbal verification of employment including third party sources to confirm employment Review and confirmation of Closing Protection Letter, settlement agent and HUD-1 statement All Underwriting and Risk Review decisions are subject to change without notice if Caliber deems an unsatisfactory risk will result. As the creditor, the Correspondent must notify an applicant within 30 days of an approval, counteroffer or adverse action decision. Caliber s process is to provide the decision to the Correspondent, who in turn is responsible for informing the applicant of the decision. Whether the loan is floating or locked has no impact on the 30 days within which an underwriting decision must be rendered. July 23, 2013 Page 13 Caliber Home Loans. 2013

15 Clear to Close Prior to a Clear to Close being issued to the Correspondent, Caliber will audit every file for compliance with RESPA, MDIA/TILA and AIR. Files delivered without evidence of RESPA, AIR and/or MDIA/TILA compliance will be suspended as an incomplete application without further review until full compliance is documented. Caliber will not issue a purchase approval if the Correspondent cannot demonstrate proper compliance. The Correspondent will be required to upload the initial disclosures and redisclosures (including all Change of Circumstance (COC) GFEs and all Truth in Lending re-disclosures) prior to Caliber issuing a Clear to Close. To avoid service delays at CTC, please upload any COC at the time of the change. Each COC GFE must include a completed Change of Circumstance Detail Form to outline the reasons for the COC. If a COC occurs after CTC, Caliber will require the Correspondent to upload the COC GFE and Change of Circumstance Detail Form prior to releasing funds. The Correspondent can upload these items into the e- file via H2O or they can be ed directly to Once final purchase approval has been given by Caliber s underwriter, Caliber will perform an internal CTC review to ensure the file is ready to proceed to closing. The Correspondent is strongly encouraged to review the checklist provided in the attachments and implement a similar review within their own processes to be able to better anticipate potential issues and avoid delay at CTC. Upon successful completion of the CTC, the Correspondent will be notified via that the loan is now clear to close. July 23, 2013 Page 14 Caliber Home Loans. 2013

16 Ordering Documents and Closing A Corporate Power of Attorney must be on file with Caliber for each of the principals of the Correspondent company. Caliber will not purchase any loans closed by an affiliate, officer, employee, or agent of the Correspondent. The Correspondent must obtain an insured closing protection letter issued in the name of the Correspondent. The closing package will include a first payment letter that directs the Borrower to send the initial payment to the Correspondent. Non-Delegated Closings: Utilizes Caliber for the Closing; the Correspondent will schedule the closing and order closing documents through H2Online. Caliber will prepare the closing package in the Correspondent s name and coordinate the closing with Title and the Correspondent. Caliber s loan number is required to be used. Caliber will fund the loan from the correspondents warehouse line. Caliber will collect at time of purchase a closing Coordination Fee of $195. Delegated Closings: The Correspondent elects to coordinate the closing with Title and the borrower; the Correspondent s responsibilities include, but are not limited to, approving the HUD-1, delivering the closing package to the closing agent and requesting the wire trough the correspondent s warehouse line. Caliber s loan number is required to be used. July 23, 2013 Page 15 Caliber Home Loans. 2013

17 Funding to Title Non-Delegated Closings Caliber must be an approved investor with the Correspondent s warehouse line. Unless otherwise directed by the Correspondents warehouse bank, Caliber will request disbursement of funds, to title, through the Correspondent s warehouse bank once (i) all prior to funding conditions have been met; (ii) the final HUD-1 has been approved; (iii) all signatures show exactly as drawn. No fees will be paid to or collected by Caliber at Closing. Delegated Closings Loans funding prior to receiving Caliber s Clear to Close are not eligible for purchase. The Note must provide for full amortization by maturity through regular monthly payments. Amortization must begin no later than 62 days after the Note Date of the Mortgage. Caliber will be purchasing loans based on the calculations shown below: o Conventional Products 360 days o Government Products 365 days Caliber will allow a grace period until May 31, 2013 during which we will match the interest on your documents regardless of which calculation was used. Effective June 1, 2013 Caliber will purchase the loan based on the terms above. Mortgage Electronic Registration System (MERS) & MOM Documents Caliber requires its Correspondents to become MERS Lite Members, effective 10/01/2012. It is the Correspondent s responsibility to: Register the loan with MERS, prior to generating Caliber loan. At time loan is generated with Caliber, input MIN number into H20nline. Caliber will not purchase the loan without the confirming that the registration has been completed. Initiate a transfer of beneficial rights (TOB) and transfer of servicing rights (TOS) to Caliber Funding (Org ID ) within five (5) business days of Caliber purchasing the loan. July 23, 2013 Page 16 Caliber Home Loans. 2013

18 Post Funding Delegated Closings The Settlement Agent is required to send the signed closing package to the Correspondent unless otherwise directed by the Correspondent. The Correspondents Warehouse Lender may have specific instructions for the collateral; closing agent must follow these instructions accordingly. If no separate instructions are delivered to the closing agent, collateral should be delivered to the correspondent with the original signed documents. The Correspondent will thoroughly review all documents for accuracy and compliance prior to shipping the package to Caliber. o Caliber requires the original closing package as well as the bailee, allonge and the Note. o Allonge must be endorsed to Caliber Home Loans by an authorized signer for the Correspondent. o Caliber Home Loans must be in receipt closing file prior to lock expiration. A delay from the warehouse lender, will delay the purchase from the Correspondents warehouse line and could result in late fees (see the Late Fees section). The packages for the closing and collateral must be sent under separate cover. The Closing Package and all documents must be shipped to the address below and can also be uploaded through H2Online for a pre-review. If uploaded, an must be sent to to complete delivery. Non Delegated Closings The Settlement Agent is required to send 2 packages. One to Caliber and one to the warehouse lender, as instructed by Caliber. Caliber will thoroughly review all documents for accuracy and compliance prior to purchasing the loan from the Correspondents warehouse lender. The Warehouse Lender is responsible for endorsement of Allonge and delivery of Original Allonge, Note, bailee and additional documents listed in Caliber s closing instructions. Caliber Home Loans must be in receipt closing file prior to lock expiration. Any delay from the warehouse lender, will delay the purchase from the Correspondents warehouse line and could result in late fees (see the Late Fees section). Non-Delegated and Delegated Closings July 23, 2013 Page 17 Caliber Home Loans. 2013

19 The interim endorsement on the Note must read as follows: ALLONGE TO THE NOTE Borrower: Address: Loan # Note Date: LOAN AMOUNT: Without Recourse, PAY TO THE ORDER OF: THIS DAY OF, (Correspondent s Name Here) Lender Name Name/Title Attn: Correspondent Post Closing Department Caliber Home Loans 6031 Connection Drive, Suite 200 Irving TX Private Mortgage Insurance Audit and Purchase If a loan is required to have private mortgage insurance, the Correspondent will ensure that all premiums due have been paid through the date the loan is purchased by Caliber. The Correspondent will compensate Caliber for any under-disclosed or unpaid mortgage insurance coverage. Caliber does not require monthly impounds on PMI until the first payment. For Delegated and Non-Delegated Closings Caliber will review a signed uploaded closed package into H2Online to expedite the purchase. Once the shipping package (collateral and hard file) has been received, Caliber will issue either a Clear to Purchase or a Purchase Suspense notification detailing suspense conditions that must be cleared in order for Caliber to purchase the loan and Caliber will order the funds to purchase the loan from the Correspondents warehouse line. The Correspondent will be given a two (2) business day grace to cure any purchase deficiencies. For loans that do not comply with these time frames, Caliber will assess a daily late fee until the deficiency has July 23, 2013 Page 18 Caliber Home Loans. 2013

20 been cleared. (see 1.21 Late Fees) Once all conditions have been satisfied, Caliber must purchase the loan from the Correspondent at the established purchase price. Caliber will net the following fees out of the purchase wire in addition to any lock related costs or accrued late fees: Standard Admin/Underwriting Fee - $595 (all states) Life of Loan Flood Certification - $8 -Flood Cert fee Tax Service - $85 Closing Coordination Fee - $195 when the Correspondent is utilizing Caliber for doc prep and closing coordination. Payment Transfer Upon the loan being purchased by Caliber, the Correspondent is responsible for preparing and delivering a notification of loan sale and change of servicer ( Goodbye-Letter ) to the Borrower(s). The notification must be sent at least (15) days prior to the first payment due to Caliber. Notification must be fully compliant with RESPA guidelines and must be prepared on the Correspondent s letterhead. The Borrower must be instructed to make all payments directly to Caliber Home Loans. Caliber s servicing transfer address information is as follows: Caliber Home Loans P.O. Box 986 Newark, NJ s The Correspondent is responsible for preparing and submitting 1098 s to the Borrower(s) reflecting the appropriate fees and payments collected by the Correspondent. Caliber will prepare and deliver 1098 s to the Borrower(s) for any payments collected after Caliber purchases the loan. Final Documents The Correspondent will deliver all trailing documents to Caliber as they are received within sixty (60) days after the Purchase Date. If all trailing docs have not been received by Caliber within this timeframe, the Correspondent will be liable to Caliber for any administration fees or costs July 23, 2013 Page 19 Caliber Home Loans. 2013

21 incurred by Caliber while collecting the remaining document (in addition to any remedies Caliber may have under the Agreement). Late Fees All loans are to be delivered by the lock expiration date. This is effective on all loans locked on or after May 1. Delivered is inclusive of the imaged closing package. Loan cannot be purchased until Hard closing file and full collateral file have been delivered as originals to Caliber and will be considered suspense items. All purchase suspense conditions must be satisfied within (2) business days of the suspense condition being communicated to the Correspondent or the funding date of the loan; whichever is later. For loans that do not comply with these time frames a late fee will be accrued on a daily basis until the loan is purchased and/or the suspense conditions satisfied. The accrued cure fee is calculated as follows: Loan amount x.02% x # of days = Late Fee Note: Late fees will be net funded from the purchase wire. 3 Appraisal The Appraisal section of this Guide describes the Appraisal requirements. The Correspondent will utilize an Appraisal Management Company ( AMC ); no prior approval of the Correspondent s elected AMC is required. Appraisal Review Process Caliber Home Loans reserves the right to refuse the completed subject property appraisal utilized for Correspondent Lending. Refusal rights include, but are not limited to, risk, salability, or lack of supporting data. Appraisal Compliance All appraisals must be ordered in the Correspondent s name and in compliance with AIR, RESPA, and MDIA. The Correspondent is to include a Certificate of Compliance July 23, 2013 Page 20 Caliber Home Loans. 2013

22 Requirements certifying the appraisal was ordered and completed in accordance with Appraiser Independence Requirements (AIR). For Conventional files only: The Correspondent will also be responsible for ensuring the appraisal SSR s (Submission Summary Reports) are obtained and provided to Caliber at time of appraisal review. Once the appraisal is complete, the Correspondent must promptly review and audit for the SSR s. If they have not been initially provided by the AMC, the Correspondent should obtain directly from the AMC or utilize their UCDP SSR log-in via Fannie Mae and Freddie Mac to pull the SSR reports. It is the Correspondents responsibility to ensure proper registration of the final appraisal utilized in a loan transaction through the Uniform Collateral Data Portal UCDP. Caliber Home Loans will require the Document File Identifier and Submission Summary Reports SSR s (one from Fannie Mae and one from Freddie Mac) from the Correspondent prior to approving a loan for purchase. o Some AMC s will order the SSR s for the correspondent without requiring a Seller Servicer ID s; other AMC s will not order the SSR until the correspondent has Seller Servicer ID s from Fannie and Freddie. This is an approval process from Fannie and Freddie, and it takes about 7 days. The correspondent needs to know before they order an appraisal through a new AMC what their requirements are. o An alternative solution to obtaining a seller servicer ID is to use the UCDP portal as TPO Caliber Home Loans. Instructions for obtaining lender approved access to submit appraisals to the UCDP portal for loans being processed with Caliber Home Loans. This process eliminates the need for Mini-Correspondents to obtain seller servicer numbers. This allows the MC to obtain TPO # and linking Fannie and Freddie together in the UCDP portal. Perform the following steps: 1) Administrator Account Request Use the following link to register as the Primary Lender Administrator and submit a request for a TPO number. Freddie Mac Primary Lender Account Request July 23, 2013 Page 21 Caliber Home Loans. 2013

23 Enter the company and administrator information Select I do not have a Freddie Mac Seller/ Servicer or TPO Number Select the checkbox for all 3 legal acknowledgements 2) Add or Remove Lender Administrator Account Use the following link to add or remove users. Add or Remove Lender Account Typical turn time for processing this request is hours. An will be sent once registered including the organizations TPO number assigned. Upon receipt of this please follow the additional steps to register with the UCDP portal using your assigned TPO number. Support questions related to registration and submitting appraisals to UCDP, contact the joint GSE UCDP Support Center at July 23, 2013 Page 22 Caliber Home Loans. 2013

24 3 FHA Requirements The FHA Requirements section of this Guide describes the FHA Approval, Submission, Appraisal and Closing requirements. Approval Requirements Submission Requirements Appraisal Requirements A Mini-C client can request FHA approval during the approval process or any time after they are approved. Broker approvals will verify in FHA Connection how the Correspondent is approved within FHA. Clients FHA Approval Status must be Active, and their Lender Unconditional DE Status must be Eligible for Preclosing or Unconditional. o If only Eligible for Preclosing it is necessary to order their case numbers, but they can still deliver closed loans to us. If approved as Principle Agent (Unconditional): o Copy of Case Number Assignment; if Correspondent is approved as Principle Agent o Perform CAVIRS check and provide print out or CAVIRS Number o FHA connection showing with Caliber as the Sponsor o Once file is in UW Submitted in H20, Caliber will make any and all changes in FHA Connection. All FHA transactions: o Perform LDP/GSA and provide print out o Refinanced loans are required to be linked to the old case number within FHA Connection and shown on the Case Number Assignment print out. FHA appraisals must be ordered in compliance with HUD guidelines in order to satisfy HUD s requirements for portability. July 23, 2013 Page 23 Caliber Home Loans. 2013

25 Closing Caliber Home Loans will draw documents and coordinate closings for all FHA loans. A $195 closing coordination fee will apply. Exceptions will only be made for clients who use a warehouse provider that also provides document preparation and closing coordination services (i.e. FirstFunding or Warehouse Lending Group). Caliber will require verification from their warehouse line as to the ability to fund FHA loans. Clients with allocated lines through Goldome will not be eligible to participate. Purchase Purchase will be completed prior to us insuring the loan. If post-closing items needed to insure, correspondent will be responsible to obtain. If loan is declined or not purchased by Caliber i. If submitted by a principle agent correspondent: (Unconditional) o And declined by Underwriting, Caliber will be removed as the Sponsor within FHA Connection. o And not approved for purchase, Caliber will be removed as the Sponsor within FHA Connection. ii. If submitted with Caliber as the Sponsor: (Eligible for Preclosing) o And declined by Underwriting, Caliber will transfer that loan as requested by the correspondent. o And not approved for purchase, the loan will be uninsurable and will impact the standing of the correspondent with Caliber July 23, 2013 Page 24 Caliber Home Loans. 2013

26 4 Jumbo Advantage Products Mini-Correspondent Sellers Guide The Jumbo Advantage Products section of this Guide describes the Jumbo Advantage Products and the processes used to implement them. Jumbo Product Overview Jumbo Advantage Product Highlights Loan limit to $2M Purchase, Rate/Term and Cash Out Fixed and ARM options Max cash out $250,000 Max 80% LTV to $1M Max DTI 45% Minimum FICO 720 Second homes allowed. No investment properties. Required reserves are based on loan amount. If only Eligible for Preclosing it is necessary to order their case numbers, but they can still deliver closed loans to us. Jumbo Advantaged Product Codes JAF30 Jumbo Advantage 30 Year Fixed JAF15 Jumbo Advantage 15 Year Fixed JAL5 Jumbo Advantage 5/1 LIBOR ARM JAL7 Jumbo Advantage 7/1 LIBOR ARM JAL10 Jumbo Advantage 10/1 LIBOR ARM Note: Refer to the product matrix in H20 for additional information. July 23, 2013 Page 25 Caliber Home Loans. 2013

27 Jumbo Appraisal Review Process Although Mini-Correspondent clients are generally permitted to utilize their own Appraisal Management Company (AMC), appraisal reports for the Jumbo Advantage product must be ordered through one of Caliber s approved AMC s. o A list of approved AMC s can be located on > Forms > Appraisal > Approved AMCs. Despite Caliber s delegated underwriting authority, the final appraisal review will be conducted by a 3rd party due diligence vendor. o The CRM will be responsible for submitting the appraisal report to the Caliber Underwriter for review as soon as the report is available. o It is imperative that the appraisal report is submitted by the assigned Jumbo Underwriter to the vendor as soon as their individual review is complete. o Investor review turn time is approximately 4-5 business days. This timeframe should be considered and factored into the estimated closing date and lock expiration date. o If the vendor s review deems the value of the original appraisal as unsupportive, a field review must then be ordered by Caliber. o Once this order has been placed, the vendor must be notified and they will order as well. o Both field reviews, will be reviewed by the 3rd party vendor to make a final determination. o Caliber s estimated turn time for a field review is approximately 7-10 business days. This timeline correlates with the vendor s turn time for a field review. Important Note: Ensure that closing dates and lock expiration dates are taken into consideration, as a field review may be required and may extend the loan process time. July 23, 2013 Page 26 Caliber Home Loans. 2013

28 Jumbo Advantage Lock Options Requesting Approval Document Preparation and Closing 45 and 60-day lock options will be available Up to 2 extensions may be purchased, not to exceed a total of 30 days from original lock expiration See the table below for Jumbo Advantage Extension Costs: Jumbo Advantage Extension Costs 1st and 2 nd Request Jumbo Advantage Extension Period Extension Period 0-5 days 0-5 days 6-10 days 6-10 days days days days days days days Clients will be required to submit a request to in order to be eligible for the Jumbo Advantage Product. Separate Jumbo approval is required, regardless of the client s current approval status. Caliber will require verification from their warehouse line as to the ability to fund Jumbo loans. Clients with allocated lines through Goldome will not be eligible to participate. Caliber Home Loans will draw documents and coordinate closings for all Jumbo loans. A $195 closing coordination fee will apply. Exceptions will only be made for clients who use a warehouse provider that also provides document preparation and closing coordination services (i.e. FirstFunding or Warehouse Lending Group). See closing section for additional requirements. July 23, 2013 Page 27 Caliber Home Loans. 2013

29 Attachments The following attachments are forms that are used to process Min- C Loans: A Mini C FHA Case Number Request Form for Sponsored Correspondents B Submission Review Checklist Conventional C Mini Correspondent LOAN SUBMISSION CHECKLIST JUMBO LOANS D Mini Correspondent LOAN SUBMISSION CHECKLIST FHA PURCHASE/REFI E Mini Correspondent LOAN SUBMISSION CHECKLIST FHA STREAMLINES F RESPA Changed Circumstance Detail Form H Notice to Borrower in Special Flood Hazard Area NFIP Participating Community I Notice of Assignment, Sale, or Transfer of Servicing Rights July 23, 2013 Page 28 Caliber Home Loans. 2013

30 A Mini C FHA Case Number Request Form for Sponsored Correspondents to Once a loan is registered with Caliber Funding in H2o, but before the file is submitted for underwriting, complete the following fields and the electronic copy of this form to Requests received by 3:00 PM CST will be processed same day. The Case Number Desk will validate the necessary information and order the Case number via FHA Connection. Once a case number is obtained, you can view the Case Number Assignment form by accessing the Electronic File, selecting Submission package and then Conditions/Training Docs for the loan. Once you have received this information, you may submit the file to caliber home loans for underwriting. IMPORTANT: You MUST register the loan in H2o before a case number will be requested. The Case Number MUST be obtained before the loan is submitted. Caliber Home Loans H2o Loan Number (required): Caliber Account Manager: Broker Information: Broker Company Name: Broker Contact Name: Broker Contact Phone Number: Broker Contact Tax Identification Number (required): NMLS ID Number: NMLS LO ID Number: LO Name: Property Information: (Must include complete address with prefix / post directions, if applicable) House Number: Unit: Month/Year Property Built / (required) Complete Street Name: City: State: Zip: County: Lot Number (If New Construction): Block/Plat (If New Construction): Borrower Information: Borrower 1: First Name: Middle Initial: Last Name: Social Security Number: Date of Birth: Borrower 2: First Name: Middle Initial: Last Name: Social Security Number: Date of Birth: Type of Case: Transaction type: Purchase R/T Refinance C/O Refinance Construction Code: Proposed Substantial Rehab Under Construction Existing New-Less Than One Year If Refinance, Specify Type of Refinance: Not a Refinance Prior FHA Conventional Streamline Refinance? Yes No With Appraisal? Yes No If Purchase, was this case previously sold as a Real Estate Owned (HUD Previously Sold)? Yes No Prior FHA or Prior REO Case Number (I.E ): - Is the Property a Condo? Yes No If Yes, Condo Project Approved: Yes No Condo Project Name: Project FHA ID: Project Close Date: Miscellaneous Information: Product Type: Fixed ARM July 23, 2013 Page 29 Caliber Home Loans. 2013

31 Loan Term: 180 Months 240 Months 360 Months B Submission Review Checklist Conventional Mini Correspondent LOAN SUBMISSION CHECKLIST CONVENTIONAL LOANS DOCUMENTS NEEDED TO UW YOUR LOAN Mini-Correspondent Sellers Guide At a minimum provide the items shown in red the section below. If possible, provide all applicable information listed in both sections below. Minimum Documents Required to Submit to UW 1008 Transmittal Summary 1003 must be signed and dated by the interviewer 1003 must be signed and dated by the borrower(s) if taken face to face DU submitted through H2O with an Approved/Eligible decision - OR LP run with Caliber's Seller Number or assigned to Caliber Tri-Merge Credit Report Current Income and Asset information according to AUS Purchase Agreement (when applicable) All Good Faith Estimates delivered to the borrower Change of Circumstance Form (for each disclosed GFE) Truth In Lending (for each disclosed GFE) Additional Documents Recommended to Submit to UW Itemization of Fees Written Intent to Proceed - Executed by all Borrowers Tax Transcripts Borrowers Authorization Appraisal (if required by AUS & the loan is a refinance) Prelim Title with 24 month chain of title Estimated HUD-1 showing all lender, broker and escrow/title fees CPL and wire instructions (non-delegated closings) Written List of Settlement Service Providers (include provider name, address and phone number) July 23, 2013 Page 30 Caliber Home Loans. 2013

32 Tax Information Sheet Condo Questionnaire (if applicable) Proof of Hazard and Flood Insurance (if applicable) Current Payoff Demand (refinance) Patriot Act Disclosure (form must include borrower ID info and be signed by the person who reviewed ID s) Notice to Home Loan Applicant Privacy Policy Disclosure Fact Act Disclosure Documentation for any omitted liabilities VOM for any mortgage(s) not listed on Credit Report. If private mortgage, 12 months cancelled checks. Credit related conditions required per AUS (BK, Divorce, Disputed Accounts, Authorized User, etc.) LOE regarding inquiries in past 90 days - specifically addressing both the purpose and outcome of each inquiry Explanation and source documentation for all large non-payroll deposits Copy of Second/HELOC Note for all subject properties with subordinate liens HomePath Products: Printout from HomePath website, confirming property eligibility Note: Other conditions may apply depending on loan circumstances. Please refer to Product Guide for specifics. All of the above information must be received at initial submission to be considered a complete package. Incomplete packages will not be considered a complete loan submission and will be placed back into the created stage. Caliber reserves the right to cancel any submission that does not meet RESPA requirements for any reason. These errors cannot be corrected under the 2010 RESPA Guidelines. July 23, 2013 Page 31 Caliber Home Loans. 2013

33 C Mini Correspondent LOAN SUBMISSION CHECKLIST JUMBO LOANS DOCUMENTS NEEDED TO UW YOUR LOAN At a minimum provide the items shown in red in the section below. If possible, provide all applicable information listed in both sections below. Minimum Documents Required to Submit to UW 1008 Transmittal Summary reflecting DTI no higher than 45% 1003 must be signed and dated by the interviewer 1003 must be signed and dated by the borrower(s) if taken face to face All Good Faith Estimates delivered to the borrower Changed Circumstance Form (Provide all COC form that accompany all re-disclosed Good Faith Estimates) Truth in Lending (for each disclosed GFE) Credit Report with minimum 720 credit score. Must meet minimum trade-line requirements outlined in program guidelines. 2 Year s Tax Returns (including business returns if self-employed) Current Asset Documentation for funds to close and reserves as required by program guidelines (general requirement is for 2 months of statements or most recent quarterly statement) Purchase Agreement (when applicable) Additional Documents Recommended to Submit to UW Itemization of Fees Written Intent to Proceed executed by all borrowers Tax Transcripts and executed 4506T (Caliber will not order transcripts) Borrower Authorization Appraisal (2 appraisals required for loan amounts >$1 million) Prelim Title with 24 months chain of title Documentation must be supplied for any omitted liabilities Estimated HUD-1 showing all lender and escrow/title fees CPL and wire instructions (non-delegated closings) Written list of Settlement Service Providers (include provider name, address and phone number) Tax Information Sheet July 23, 2013 Page 32 Caliber Home Loans. 2013

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