Submission Form – Conventional Email submissions to:

Broker Information
HomeBridge AE: / Broker Name: / Contact:
Phone: / Fax: / Email:
Address: / City: / State: / Zip:
Broker Compensation: Lender Paid Borrower Paid
Credit Credentials: / Vendor: / Login: / Password:
Borrower Information
Borrower Name: / Lowest Middle FICO:
Borrower Name: / Primary Borrower Email*:
Required for appraisal delivery
Property Address: / Co-Borrower Email:
City: / State: / Zip:
Transaction Information
Purchase* Rate/Term* Cash-out DU Refi Plus (fixed rate only) Construction-to-Perm (permanent financing only)
*97% LTV (Fannie Mae only - first time homebuyer or refinance of loan currently owned by Fannie Mae. Fixed rate only)
Fannie Mae DU Freddie Mac LP (fixed rate only)
HELOC (simultaneous with HomeBridge loan) HELOC Amount: / $
Type: SFR Multi Units # Condo High rise condo Site Condo PUD ( Attached Detached)
Modular Manufactured NOTE: Modular, manufactured, and 3-4 units ineligible with HELOC
Occupancy: / Owner-occupied 2nd Home Investment (n/a HELOC) / Term: / Impounds: / Yes No
Loan Amount / $ / High Balance/Super Conforming Yes No / Appraised Value: / $
Second Lien (non-HELOC): / $ / Sales Price: / $ / LTV: / % / CLTV: / %
Mortgage Insurance: / Yes If yes, MI type: BPMI: Single Monthly % of coverage Refundable Non-Refundable
No LPMI Single premium only % of coverage (Refundable eligible BPMI single premium only)
DTI: / % / Payment Shock: / % / Amortization: Fixed ARM If ARM: 5/1 7/1 10/1
Fees
Underwriting Fee:
Funding Fee (CA only):
Flood Cert.:
Tax Service Fee:
Commitment Fee Buyout Option / $995 Underwriting fee with HELOC: $1395
$100
$10
$83 / Texas Attorney Fees:
Purchase: $150
Rate & Term Refi: $150
TX Home Equity Refi: $250
Documentation Requirements
Incomplete Submission Packages will Delay Submission to Underwriting
Required:
HomeBridge Submission Form
1008
1003 w/ NMLS ID signed by broker
Credit report (must be < 90 days old) Fannie Mae transactions only: Loans submitted to DU version 10.0 must have a credit report that includes trended credit data (if doing concurrent HELOC see “NOTES” under TCF HELOC Required Docs below for credit report requirement)
Signed Borrower Credit Authorization required only if 1003 provided is not signed by borrower(s)
Paystubs (30 days earnings and YTD)
W-2s per AUS
Tax Returns/ all Schedules per AUS
Purchase Contract w/ Addendums (if applicable)
Bank Statements (if purchase)
AUS Findings
Fannie Mae DU Freddie Mac LP
3.2 file required if submitted outside of HomeBridge broker portal
Completed/Signed 4506-T* with attestation box checked
Completed and signed HomeBridge Broker Compensation Election Form (non-approved brokers only)
Service Provider List
Affiliated Service Provider Fee Certification (if applicable)
Loan Estimate (signed if the LE includes a signature line; if no signature line, signed not required)
Broker Compensation and Fee Certification
Notice of Intent to Proceed
Broker Compensation and Fee Cert
Recommended but not required (to avoid closing delays):
State Specific Disclosures
HOEPA Disclosure (if using broker version in lieu of HomeBridge version). Must be signed by the borrower, include specific counseling agencies located in the immediate area of the borrower’s current zip code, and the content must include, at minimum, the wording contained in the HomeBridge form
NOTE: Manufactured housing recommended not required: Refer to the Manufactured Housing: Required Documentation topic in the Fannie Mae or Freddie Mac guidelines (as applicable) for a list of documentation.
TCF HELOC Required Documents:
TCF Notice & Authorization Concerning Your Loan Application (TCF 765 RLU-WSL) Signed by all borrowers for all transactions –all states
TCF Pre-Application Disclosure and Fee Agreement (TCH Doc 1328 RLU/H) signed by borrowers. New York transactions only
TCF Net Tangible Benefit Worksheet (TCF Doc 1545 RL) signed by borrowers. Maryland refinance transactions only
TCF Anti-Coercion Insurance Notice (TCF 1376 RLU) signed by borrowers. Florida transactions only
Written VOE or year-end paystub if bonus/OT/commission income used to qualify
Mortgage statement for any other financed property or documentation of taxes/insurance if not impounded
NOTES:
·  The credit report must be ≤ 80 days old at the time HomeBridge submits the HELOC to TCF
·  HELOC not available in Alabama, Alaska, Hawaii, , Louisiana, Mississippi, Oklahoma ,Texas, and West Virginia

* If business income used to qualify, completed/signed 4506-T for business required.

Community Property States: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin 8/7/17