Mortgage Policy and Procedure Manuals
Customize our template, or use it right "out of the box". Our Mortgage Quality Control Plans and Mortgage Policies and Procedures comply with Consumer Financial Protection Bureau (CFPB), Fannie Mae (FNMA), Freddie Mac (FHLMC) and FHA rules.
Electronic delivery of soft documents means you can edit or deliver to your regulator FAST - often within the same day. Our products are 100% customize-able and guaranteed to meet investor/agency/regulator requirements, but you can also use them as they are.
2/7/2017 Update - Privacy, OFAC and Business Plan - A number of inquiries from regulators has prompted some clarifications.
1/7/2017 - Advertising Policy - Advertising Checklist Updated
11/28/2016 - By Request Only - California Servicing Loss Mitigation - Homeowner's Bill of Rights (HBOR) - Lender licensees, even if they don't service, must have this policy in place.
8/3/2016 - AML Audits, MERS Policy, TRID Checklist, Training Policy, Reverse Mortgage Disclosure, Fair Lending Pricing Concession Policy
AML Audits are due in August
MERS Policy Template
TRID Checklist Updates
Internal Training Programs
Reverse Mortgage Disclosure
Fair Lending Pricing Concession Procedure
5/31/2016 - MERS QA - Or MERS Management for Servicers
2/3/2016 - HUD/FHA 4000.1 Update - locating reviewer items in QC Plan
10/3/2015 - TRID Compliance Module Updated - Request Update Here
11/3/2014 - FNMA QC Plan Checklist - We have scrubbed our plans against the list and all NINE pages are included! CHECK!!
10/23/2014 - AML Self-Audit Checklist - You can use our service, or you can do it yourself with our included BSA/AML Audit Checklist, which is part of the Quality Control for Brokers and Lenders.
6/16/2014 - Social Media Policy - Free Social Media Policy and Procedure download
1/10/2014 - HPML Appraisal Rule - If you offer Non-QM Mortgages, you need to have this requirement in place. Use our FREE HPML Policy-Procedure.
10/23/2013 - Sample Ability to Repay Policy - Remember - correspondent and banker package owners - you already reference ability to repay policies in your products.
8/8/2013 Quality Control FNMA Updates - FNMA updated its Sellers Guide and the guide changes are summarized in Announcement SEL-2013-05. We have summarized these changes in the Mortgage News Digest (here)
7/18/13 - E-SIGN Policies and Procedures Update
for Origination, Processing, Underwriting, Closing, Quality Control. The Electronic Signatures in Global and National Commerce Act (E-SIGN) was implemented in 2001. See Blog for background.
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