Announcement 25-14C. The following areas of Mortgage Solutions guidelines have been updated. All changes and additions appear in red.

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1 Annuncement 25-14C Guideline Updates and Changes Effective Immediately fr all lans The fllwing areas f Mrtgage Slutins guidelines have been updated. All changes and additins appear in red. Cnfrming Gld Guidelines See MSF s Cnfrming Guidelines If a credit reprt is, r therwise prvided, the fllwing All bureaus must be active and reprting; frzen credit is nt permitted If n material difference exists between the reprts the underwriter will determine which reprt will be used fr If the Brker supplies an updated credit reprt, MSF will als update the internal credit reprt Credit reprts must be dated within 120 days f the nte date A cpy f the riginal credit reprt prir t any supplements is The fllwing credit reprt discrepancies require a new The fllwing credit reprt discrepancies des nt require a new Misspelled first names and/r missing r incrrect suffixes (Jr./Sr.) require a new credit reprt unless the name variatin appears in the AKA sectin f the credit reprt r is allwed by AUS Page 1 f 5

2 Cnfrming Guidelines - Cverage n ut buildings may nt be included in determining/calculating sufficient cverage. Excluding land value is nt permitted in determining/calculating sufficient cverage - On manufactured hmes, mdified sub-ttal less any utbuildings may be used fr determining sufficient cverage - A replacement cst endrsement is acceptable t cmpensate fr the amunt f cverage FHA Gld Guidelines See MSF s FHA Guidelines If a credit reprt is, r therwise prvided, the fllwing All bureaus must be active and reprting; frzen credit is nt permitted If n material difference exists between the reprts the If the Brker supplies an updated credit reprt, MSF will als update the internal credit reprt Credit reprts must be dated within 120 days f the nte date A cpy f the riginal credit reprt prir t any supplements is The fllwing credit reprt discrepancies require a new credit reprt: The fllwing credit reprt discrepancies des nt require a new Misspelled first names and/r missing r incrrect suffixes (Jr./Sr.) require a new credit reprt unless the name variatin appears in the AKA sectin f the credit reprt r is allwed by AUS Page 2 f 5

3 FHA Guidelines Dwelling cverage amunt must be sufficient t cver lan amunt, rebuild cst per Cverage n ut buildings may nt be included in determining/calculating sufficient cverage Excluding land value is nt permitted in determining/calculating sufficient cverage On manufactured hmes, mdified sub-ttal less any utbuildings may be used fr determining sufficient cverage A replacement cst endrsement is acceptable t cmpensate fr the amunt f cverage Open Access Guidelines MORTGAGE PROCEEDS The prceeds f the Mrtgage must be used nly t: Pay ff the first Mrtgage (amunt including nly the unpaid principal balance and interest accrued thrugh the date the Mrtgage being refinanced is paid ff) Pay related clsing csts & financing csts charged n the HUD1, nt t exceed $5,000 Prepaids/Escrws nt t exceed the lesser f 4% f the current unpaid principal balance (UPB) f the Mrtgage being refinanced r $5,000 USDA Guidelines Cverage n ut buildings may nt be included in determining/calculating sufficient cverage A replacement cst endrsement is acceptable t cmpensate fr the amunt f cverage VA Gld Guidelines Page 3 f 5

4 VA Guidelines See MSF s VA Guidelines If a credit reprt is, r therwise prvided, the fllwing All bureaus must be active and reprting; frzen credit is nt permitted If n material difference exists between the reprts the If the Brker supplies an updated credit reprt, MSF will als update the internal credit reprt Credit reprts must be dated within 120 days f the nte date A cpy f the riginal credit reprt prir t any supplements is The fllwing credit reprt discrepancies require a new credit reprt: The fllwing credit reprt discrepancies des nt require a new Misspelled first names and/r missing r incrrect suffixes (Jr./Sr.) require a new credit reprt unless the name variatin appears in the AKA sectin f the credit reprt r is allwed by AUS UNDERWRITING Must receive a DU Apprve/Eligible decisin (as applicable), all ther DU recmmendatins are ineligible LP findings are nt allwed Lans fr Alteratin and Repair are ineligible Lans with a Mrtgage Credit Certificates (MCC) are ineligible IRRRL If there has been a mdificatin n the lan being refinanced, the new interest rate must be lwer than the riginal insured nte rate, nt the current mdified rate Cverage n ut buildings may nt be included in determining/calculating sufficient cverage Excluding land value is nt permitted in determining/calculating sufficient cverage On manufactured hmes, mdified sub-ttal less any utbuildings may be used fr determining sufficient cverage Page 4 f 5

5 A replacement cst endrsement is acceptable t cmpensate fr the amunt f cverage NET TANGIBLE BENEFIT IRRRL (Streamline) Transactins An IRRRL (which can be a fixed rate, hybrid Adjustable Rate Mrtgage (ARM) r traditinal ARM) must bear a lwer interest rate than the lan it is refinancing unless the lan it is refinancing is an ARM If there has been a mdificatin n the lan being refinanced, the new interest rate must be lwer than the riginal insured nte rate, nt the current mdified rate TRANSACTION DETAILS Refinance Transactins Additinal IRRRL Requirements If there has been a mdificatin n the lan being refinanced, the new interest rate must be lwer than the riginal insured nte rate, nt the current mdified rate VA Gld Texas Rate & Term Guidelines See MSF s VA Guidelines If a credit reprt is, r therwise prvided, the fllwing All bureaus must be active and reprting; frzen credit is nt permitted If n material difference exists between the reprts the If the Brker supplies an updated credit reprt, MSF will als update the internal credit reprt Credit reprts must be dated within 120 days f the nte date A cpy f the riginal credit reprt prir t any supplements is The fllwing credit reprt discrepancies require a new credit reprt: The fllwing credit reprt discrepancies des nt require a new Misspelled first names and/r missing r incrrect suffixes (Jr./Sr.) require a new credit reprt unless the name variatin appears in the AKA sectin f the credit reprt r is allwed by AUS Page 5 f 5

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