Safeguard Properties

HUD Announces Disaster Assistance for Georgia Storm Victims

Posted on by Safeguard

Investor Update
September 18, 2017

Foreclosure protection offered to displaced families

WASHINGTON – U.S. Housing and Urban Development today announced HUD will speed federal disaster assistance to the State of Georgia and provide support to homeowners and low-income renters forced from their homes due to Hurricane Irma.

Last week, President Trump issued a major disaster declaration for Camden, Chatham, and Glynn counties. The President’s declaration allows HUD to offer foreclosure relief and other assistance to certain families living in this county.

HUD is:

  • Granting immediate foreclosure relief – HUD granted a 90-day moratorium on foreclosures and forbearance on foreclosures of Federal Housing Administration (FHA)-insured home mortgages. There are approximately 11,639 FHA-insured Georgia homeowners living in these impacted counties.
  • Making mortgage insurance available – HUD’s Section 203(h) program provides FHA insurance to disaster victims who have lost their homes and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs;
  • Making insurance available for both mortgages and home rehabilitation – HUD’s Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home;
  • Information on housing providers and HUD programs – The Department will share information with FEMA and the State on housing providers that may have available units in the impacted counties. This includes Public Housing Agencies and Multi-Family owners. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers.
  • Assisting the State of Georgia and local governments in re-allocating existing federal resources toward disaster relief – HUD’s Community Development Block Grant (CDBG) and HOME programs give the State and communities the flexibility to redirect millions of dollars in annual formula funding to address critical needs, including housing and services for disaster victims. HUD is currently contacting State and local officials to explore streamlining the Department’s CDBG and HOME programs in order to expedite the repair and replacement of damaged housing; and,
  • Offering Section 108 loan guarantee assistance – HUD will offer state and local governments federally guaranteed loans for housing rehabilitation, economic development and repair of public infrastructure.

Read about these and other HUD programs designed to assist disaster victims.

Source: HUD

Additional Resource:

Safeguard Properties (Hurricane Irma All Client Alert summary page)

HUD Announces Disaster Assistance for Florida Storm Victims

Posted on by Safeguard

Investor Update
September 13, 2017

Foreclosure protection offered to displaced families

WASHINGTON – U.S. Housing and Urban Development today announced HUD will speed federal disaster assistance to the State of Florida and provide support to homeowners and low-income renters forced from their homes due to Hurricane Irma.

This week, President Trump issued a major disaster declaration for Broward, Charlotte, Clay, Collier, Duval, Flagler, Hillsborough, Lee, Manatee, Miami-Dade, Monroe, Palm Beach, Pinellas, Putnam, Sarasota and St. Johns counties. The President’s declaration allows HUD to offer foreclosure relief and other assistance to certain families living in this county.

HUD is:

  • Granting immediate foreclosure relief – HUD granted a 90-day moratorium on foreclosures and forbearance on foreclosures of Federal Housing Administration (FHA)-insured home mortgages. There are approximately 280,000 FHA-insured Florida homeowners living in these impacted counties.
  • Making mortgage insurance available – HUD’s Section 203(h) program provides FHA insurance to disaster victims who have lost their homes and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs;
  • Making insurance available for both mortgages and home rehabilitation – HUD’s Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home;
  • Information on housing providers and HUD programs – The Department will share information with FEMA and the State on housing providers that may have available units in the impacted counties. This includes Public Housing Agencies and Multi-Family owners. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers.
  • Assisting the State of Florida and local governments in re-allocating existing federal resources toward disaster relief – HUD’s Community Development Block Grant (CDBG) and HOME programs give the State and communities the flexibility to redirect millions of dollars in annual formula funding to address critical needs, including housing and services for disaster victims. HUD is currently contacting State and local officials to explore streamlining the Department’s CDBG and HOME programs in order to expedite the repair and replacement of damaged housing; and,
  • Offering Section 108 loan guarantee assistance – HUD will offer state and local governments federally guaranteed loans for housing rehabilitation, economic development and repair of public infrastructure.

Read about these and other HUD programs designed to assist disaster victims.

Source: HUD

Additional Resource:

Safeguard Properties (Hurricane Irma All Client Alert summary page)

Freddie Mac Confirms Disaster Relief Policies as Hurricane Irma Approaches Puerto Rico, U.S. Virgin Islands and U.S. Mainland

Posted on by Safeguard

Investor Update
September 6, 2017

MCLEAN, VA–(Marketwired – Sep 6, 2017) – Freddie Mac (OTCQB: FMCC) confirmed today that its disaster relief options will be available to homeowners in Puerto Rico, the U.S. Virgin Islands and the U.S. mainland as Hurricane Irma approaches.

Freddie Mac’s disaster relief options will be available to borrowers with homes in presidentially-declared Major Disaster Areas where federal Individual Assistance programs are made available to affected individuals and households. Until then, servicers may leverage Freddie Mac’s forbearance programs to provide immediate mortgage relief to borrowers affected by the storm.

“Freddie Mac is monitoring the approach of Hurricane Irma. We stand ready to work with the nation’s servicers to ensure that mortgage relief is made available to homeowners who may be affected,” said Yvette Gilmore, Freddie Mac’s Vice President of Single-Family Servicer Performance Management. “If the storm impacts states and U.S. territories, we will instruct servicers to work with borrowers who have mortgages owned or guaranteed by Freddie Mac to provide up to 12 months of forbearance.”

News facts:

  • Freddie Mac disaster relief policies authorize mortgage servicers to help affected borrowers in presidentially declared Major Disaster Areas where federal Individual Assistance programs have been extended. A list of these areas can be found at http://www.fema.gov/disasters.
  • Freddie Mac mortgage relief options for affected borrowers in these areas include:
  • Suspending foreclosures by providing forbearance for up to 12 months;
  • Waiving assessments of penalties or late fees against borrowers with disaster-damaged homes; and
  • Not reporting forbearance or delinquencies caused by the disaster to the nation’s credit bureaus.
  • Freddie Mac reminds servicers that borrowers who work in eligible disaster areas but have homes in unaffected areas are also eligible for Freddie Mac’s standard relief policies, which include forbearance or mortgage modifications.
  • Affected borrowers should immediately contact their mortgage servicer, the company to which they send their monthly mortgage payment.
  • See http://www.freddiemac.com/singlefamily/service for a description of Freddie Mac disaster relief policies.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders and taxpayers. Learn more at FreddieMac.com, Twitter @FreddieMac and Freddie Mac’s blog.

Source: Freddie Mac

Additional Resource:

Safeguard Properties (Hurricane Irma All Client Alert summary page)

FHLMC Guide Bulletin 2017-21: Extension of Certain Hurricane-Related Requirements and Property Inspection Reimbursement for Eligible Disaster Areas

Posted on by Safeguard

Investor Update
September 25, 2017

As the 2017 hurricane season continues with strong storms that cause damage and hardship to millions of people, we’re working hard to respond quickly and help our Seller/Servicers in their efforts to assist borrowers facing hardships.

As part of our ongoing efforts, we’re announcing updates to our temporary Selling and Servicing requirements in Single-Family Seller/Servicer Guide Bulletin 2017-21.

New Temporary Requirements

  • For mortgages you recently originated (Sellers)

We’ll reimburse you through September 2018, for property inspections completed prior to the sale or securitization of mortgages on properties in Eligible Disaster Areas associated with 2017 hurricanes. We will reimburse actual inspection costs not to exceed $75 for each loan.

In subsequent communications, we’ll provide further details on the reimbursement process.

  • For mortgages you are servicing (Servicers)

We’re putting a temporary process in place for Servicers to be reimbursed for the actual property inspection costs, subject to applicable expense limits, for conducting inspections according to Guide Sections 8404.2 and 8202.11.

The temporary process is effective for inspections you conduct on and after August 29, 2017 on mortgaged premises in an Eligible Disaster Area. This flexibility covers properties affected by disasters other than hurricanes, as long they are located in areas subject to a Federal Emergency Management Agency (FEMA) disaster declaration where individual assistance is available.

This process includes reimbursing expenses beyond the normal reimbursable amounts if a “FEMA inspection” is obtained prior to the date of the Bulletin.

Review the Guide Bulletin for details on requesting a Servicer reimbursement under this temporary process and important reminders on reporting loans impacted by disasters and forbearance through the EDR process.

Updates to Extend the Scope of Previously Announced Temporary Requirements

We’re extending our temporary selling and Servicing requirements related to Hurricane Harvey and Hurricane Irma in Bulletins 2017-14 [PDF], 2017-16 [PDF] and 2017-19 [PDF] to mortgages and borrowers whose mortgaged premises or places of employment are located in Eligible Disaster Areas impacted by all hurricanes on and after August 25, 2017 and through the 2017 hurricane season.

However, for Servicers, the temporary suspension of foreclosure sales and evictions will only apply to mortgaged premises located in an Eligible Disaster Area as a result of Hurricane Harvey, Hurricane Irma and now Hurricane Maria.

FYI: Servicer Success Scorecard Metrics Impacted by Loans in Eligible Disaster Areas

The following metrics currently include (but should exclude) mortgages that were impacted by an eligible disaster and reported on forbearance in your August Scorecard (available at month-end in September):

  • Transition from 30 to 60+
  • Transition from Current to 30+
  • Transition from 60 to 90+
  • Transition from 120+ to Worse

We’re working to address this issue and your September Scorecard will exclude these mortgages. No other Scorecard metrics or calculations are impacted.

Please remember that to receive the proper Scorecard exclusion, you must accurately report all Mortgages impacted by an Eligible Disaster (mortgaged premises or place of employment) through EDR using Default Reason code 034 (Eligible Disaster Area). Additionally, you must accurately report all mortgages that are also placed on forbearance using code 09 (Forbearance).

For More Information

  • Guide Bulletin 2017-21 [PDF]
  • Single-Family Disaster Relief webpage
  • Contact your Freddie Mac representative

Source: Freddie Mac

Additional Resources:

Safeguard Properties (Hurricane Maria All Client Alert summary page)

Safeguard Properties (Hurricane Irma All Client Alert summary page)

Safeguard Properties (Hurricane Harvey All Client Alert summary page)

FHLMC Guide Bulletin 2017-19: Selling and Servicing Requirements Related to Hurricane Irma and Certain Updated Requirements Related to Hurricane Harvey

Posted on by Safeguard

Investor Update
September 13, 2017

Freddie Mac is committed to ensuring that borrowers receive the mortgage assistance needed to mitigate the devastating impacts of recent hurricanes. In today’s Single-Family Seller/Servicer Guide (Guide) Bulletin 2017-19 we’re announcing temporary changes to our Selling and Servicing requirements related to Hurricanes Harvey and Irma.

We’re announcing the following temporary changes and reminders:

For Sellers

  • Age of documentation requirements apply to mortgages secured by properties located in Eligible Disaster Areas affected by Hurricane Irma that have application received dates on or before, and note dates after, September 10, 2017.
  • Special requirements and guidance related to mortgages secured by properties located in Eligible Disaster Areas affected by Hurricane Irma, including:
  • Property damage by the hurricane
  • Acceptability of Automated Collateral Evaluation appraisal waivers
  • Collateral representation and warranty relief
  • Information on system updates.
  • Reminders related to Freddie Mac Relief Refinance MortgagesSM secured by properties affected by disasters.
  • All temporary requirements and effective dates announced in Guide Bulletin 2017-16 [pdf] related to Selling requirements for mortgages secured by properties affected by Hurricane Harvey remain in effect as announced, except as specified in today’s Guide Bulletin.
  • Guidance regarding cash contracts.

For Servicers

  • Servicers must follow the disaster requirements set forth in Guide Chapter 8404 when Servicing mortgages for borrowers whose mortgaged premises or places of employment are in Eligible Disaster Areas, except with respect to:
  • A temporary suspension of foreclosures through December 31, 2017, superseding the 90-day suspension previously announced in Guide Bulletin 2017-14 [pdf], and new guidance on when this suspension does not apply to certain vacant or abandoned properties. We’re also suspending eviction activities on real estate owned properties in impacted areas until further notice.
  • Freddie Mac’s reimbursement of property inspections completed on properties located in eligible disaster areas affected by Hurricanes Harvey and Irma, and requirements on when Servicers should order exterior or interior property inspections.

For More Information

  • Read Guide Bulletin 2017-19 [pdf].
  • Visit Freddie’s Mac’s Natural Disaster Relief web page.
  • Contact your Freddie Mac representative

Source: Freddie Mac

Additional Resource:

Safeguard Properties (Hurricane Irma All Client Alert summary page)

FHLMC Guide Bulletin 2017-18: Servicing Updates

Posted on by Safeguard

Investor Update
September 14, 2017

In Single-Family Seller/Servicer Guide (Guide) Bulletin 2017-18, we’re announcing updates to loss mitigation, security instrument storage and expense reimbursement requirements, including:

  • Revising certain requirements related to borrower hardship, income and other documentation that must be submitted for a complete Borrower Response Package. This includes changing Guide Form 710 to improve/simplify the application process for borrowers and evaluation process for Servicers. Effective June 1, 2018.
  • Allowing Servicers to maintain electronic copies of paper security instruments that are not electronically recorded to help reduce some storage costs and make it easier to store and retrieve documents. Effective immediately.
  • Increasing reimbursable expense limits for preserving and maintaining abandoned properties securing Freddie Mac mortgages. Effective October 9, 2017.
  • Adding a new, permanent reimbursement expense code for clear boarding broken windows. Effective September 25, 2017.
  • Removing the requirement that Servicers obtain Freddie Mac’s written pre-approval to extend a reimbursement claim submission time frame. Effective September 25, 2017.

Additional Guide Updatesboth are effective immediately)

  • Updated notification requirements if a Freddie Mac Default Legal Matter involves non-routine litigation.
  • Removal of the term “balloon analyst” from all versions of Guide Form 902.

For More Information
Please read Guide Bulletin 2017-18 [pdf] for more information.
Review our Summary of Upcoming Requirement Changes [pdf].
Contact your Freddie Mac representative.

Source: Freddie Mac

FHFA: Refinance Report – July 2017

Posted on by Safeguard

Investor Update
September 14, 2017

Total refinance volume decreased in July 2017 as mortgage rates in June remained above the lows observed in 2016. Mortgage rates increased in July: the average interest rate on a 30-year fixed rate mortgage rose to 3.97 percent from 3.90 percent in June.

In July 2017:

  • Borrowers completed 2,305 refinances through HARP, bringing total refinances from the inception of the program to 3,473,109.
  • HARP volume represented 2 percent of total refinance volume.
  • Seven percent of the loans refinanced through HARP had a loan-to-value ratio greater than 125 percent.

Year to date through July 2017:

  • Borrowers with loan-to-value ratios greater than 105 percent accounted for 19 percent of the volume of HARP loans.
  • Twenty-six percent of HARP refinances for underwater borrowers were for shorter-term 15- and 20-year mortgages, which build equity faster than traditional 30-year mortgages.
  • HARP refinances represented 6 or more percent of total refinances in Nevada, and Florida, double the 3 percent of total refinances nationwide over the same period.

Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.

Nine states and one U.S. territory accounted for over 60 percent of the Nation’s HARP eligible loans with a refinance incentive as of March 31, 2017.

Attachments: July 2017 Refinance Report

Source: FHFA

FHA INFO #17-39: Guidance for FHA-Approved Mortgagees and Servicers Regarding Presidentially-Declared Major Disaster Areas

Posted on by Safeguard

Investor Update
September 11, 2017

Guidance for FHA-Approved Mortgagees and Servicers Regarding Presidentially-Declared Major Disaster Areas

Today, the Federal Housing Administration (FHA) is issuing a reminder to mortgagees about its guidance for originating and/or servicing forward and reverse mortgages in areas covered by a Presidentially-Declared Major Disaster Area (PDMDA). The following guidance applies to all areas covered by a PDMDA, including current PDMDA designations in Texas resulting from Hurricane Harvey, and any PDMDA designations resulting from Hurricane Irma:

  • FHA-insured mortgages secured by properties in a PDMDA are subject to a 90-Day foreclosure moratorium following the disaster.
  • In PDMDAs only, HUD provides mortgagees an automatic 90-Day extension from the date of the foreclosure moratorium expiration date to commence or recommence foreclosure action or evaluate the borrower under HUD’s Loss Mitigation Program.

Mortgagees should review complete servicing guidance in the Single Family Housing Policy Handbook 4000.1 (SF Handbook), Sections III.A.2 and III.A.3.c relating to the servicing of mortgages in PDMDAs.

In preparation for assisting homeowners with longer-term recovery efforts, mortgagees should also review:

  • FHA’s 203(h) Mortgage Insurance for Disaster Victims requirements in Section II.A.8.b of the SF Handbook. The 203(h) program allows FHA to insure mortgages for victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
  • FHA’s 203(k) Rehabilitation Mortgage Insurance Program requirements in Section II.A.8.a of the SF Handbook. The 203(k) program provides mortgage financing or refinancing which includes the cost of home repairs – both structural and non-structural – into the loan amount.

Mortgagees can find more information about the policies referenced above and other FHA PDMDA policies on the FHA Resource Center’s Online Knowledge Base.

Quick Links

Resources

Contact the FHA Resource Center:

  • Visit our online knowledge base to obtain answers to frequently asked questions 24/7 at:
    www.hud.gov/answers.
  • E-mail the FHA Resource Center at: answers@hud.gov. Emails and phone messages will be responded to during
    normal hours of operation, 8:00 AM to 8:00 PM (Eastern), Monday through Friday on all non-Federal holidays.
  • Call 1-800-CALLFHA (1-800-225-5342). Persons with hearing or speech impairments may reach this number by
    calling the Federal Relay Service at 1-800-877-8339.

Source: HUD

Additional Resources:

Safeguard Properties (Hurricane Maria All Client Alert summary page)

Safeguard Properties (Hurricane Irma All Client Alert summary page)

Safeguard Properties (Hurricane Harvey All Client Alert summary page)

Federal Housing Finance Agency FHFA: Input on FHFA’s Draft Strategic Plan For Fiscal Years 2018-2022

Posted on by Safeguard

Investor Update
September 27, 2017

Washington, D.C. – The Federal Housing Finance Agency (FHFA) is requesting input on FHFA’s Strategic Plan:  Fiscal Years 2018-2022.  FHFA’s draft strategic plan reflects the Agency’s priorities as regulator of the Federal Home Loan Bank System and as regulator and conservator of Fannie Mae and Freddie Mac (the Enterprises).  FHFA is requesting input from Members of Congress, the public, and interested stakeholders in accordance with the Government Performance and Results Modernization Act of 2010.

FHFA’s draft strategic plan sets forth three goals for the Agency:

1.Ensure Safe and Sound Regulated Entities;

2.Ensure Liquidity, Stability and Access in Housing Finance; and

3.Manage the Enterprises’ Ongoing Conservatorships.

Input on FHFA’s draft strategic plan is due in 30 days by Oct. 27, 2017 and should be addressed to the Federal Housing Finance Agency, Office of Budget and Financial Management, 400 7th St., SW, Washington, D.C. 20219 or submitted via www.FHFA.gov.

Link to FHFA’s Strategic Plan:  Fiscal Years 2018-2022 

The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac and the 11 Federal Home Loan Banks. These government-sponsored enterprises provide more than $5.9 trillion in funding for the U.S. mortgage markets and financial institutions. Additional information is available at www.FHFA.gov, on Twitter @FHFA, YouTube and LinkedIn. 

Contacts: 
Media: Stefanie Johnson (202) 649-3030 / Corinne Russell (202) 649-3032

Consumers: Consumer Communications or (202) 649-3811

Source: FHFA

Fannie Mae: Servicing Guide Updates; Disaster Response Resources; High LTV Refi Option; and More

Posted on by Safeguard

Investor Update
September 13, 2017

Announcement SVC-2017-08: Servicing Guide Updates

The Fannie Mae Servicing Guide updates continue to support our ongoing efforts to simplify servicing. These changes:

  • Introduce the redesigned Form 710, formerly called the Uniform Borrower Assistance Form and renamed the Mortgage Assistance Application, to simplify the workout application process and reduce the amount of information the borrower must provide in the Borrower Response Package.
  • Update and clarify requirements for allowable bankruptcy attorney fees for certain services.
  • Incorporate the Fannie Mae Flex Modification, which was previously announced to simplify modification by consolidating multiple options effective Oct. 1.

For a summary of key updates in Servicing Guide Announcement SVC-2017-08, view the executive perspectives video presented by Jenise Hight, Director of Servicing Policy, and the executive overview from Carlos Perez, Chief Credit Officer for Single-Family.

New servicer resources to help homeowners impacted by recent hurricanes

To help you provide crucial, accurate, and consistent responses and assistance to homeowners affected by the recent hurricanes, we have developed the following resources:

  • Webinar (Monday, Sept. 18 at 12 p.m. ET): Members of the policy and servicing teams will review disaster assistance options and answer questions to help servicers help homeowners. Register for this webinar.
  • Two new customer care scripts: Customize and use the scripts on the front line to help provide immediate mortgage payment relief to customers who have been impacted by recent hurricanes and to discuss longer-term loss mitigation solutions. (Fannie Mae Connect™ login credentials are required to access the scripts.)
  • Mortgage help flyer: This one-page document explains the mortgage assistance available to affected homeowners. Share this through your social media accounts and other business-partner channels to help ensure your customers are receiving timely and accurate information about the mortgage options available.

Additionally, further guidance will be provided in a Lender Letter later this week. Visit the Assistance in Disasters page for more resources.

New high LTV refinance option to replace HARP

As the Federal Housing Finance Agency (FHFA) announced recently, Fannie Mae and Freddie Mac are introducing a new high loan-to-value (LTV) ratio same-investor refinance option to provide continued liquidity to support eligible borrowers once the Home Affordable Refinance Program® (HARP®) ends on Dec. 31, 2018.

The new option will provide refi opportunities to borrowers with existing Fannie Mae mortgages who are making their mortgage payments on time but whose LTV ratio for a new mortgage exceeds the maximum allowed for standard refinance products. To be eligible, the note date of the mortgage being refinanced must be on or after Oct. 1, 2017 with at least 15 months seasoning. Under the new option, as with HARP, the refinance must provide a borrower benefit, such as a lower interest rate.

We’re announcing product details now to give industry stakeholders sufficient time to prepare for fall 2018 implementation. For details, read the Lender Letter and visit our website.

Modification Interest Rate adjustment exhibit

This exhibit provides our new Modification Interest Rate required for all Fannie Mae conventional mortgage loan modifications, excluding HAMP Modifications. View the updated exhibit.

Line item updates in LoanSphere Invoicing

The LoanSphere Invoicing™ application, which allows servicers to submit qualified expenses for reimbursement, has been updated with new line items. In addition, several line items will be deactivated in October. For details on the new line items, see the Release Notes available on the Servicer Expense Reimbursement page.

Sign up for a webinar to learn about Fannie Mae Invoicing

Fannie Mae Invoicing, a new web-based invoicing system, will be available to servicers offering consolidated loan-level invoices beginning Sept. 25. All servicers must be using this new system by the end of the year, as SRDBS and other manual processes will be retired. Visit the Fannie Mae Invoicing page to register for a live webinar (Sept. 14 or 19), view the updated FAQs, and more.

Register today to learn more about SMDU and the new user interface (UI)

Did you know that all Fannie Mae servicers now have easy access to the groundbreaking workout decisioning tool SMDU? Come spend an hour learning about how you can bring confidence and efficiency to your servicing business practices. We will walk you through the benefits of the SMDU UI, show you how to register, demonstrate submitting a loan for evaluation and case reporting, and provide support information.

Register for the upcoming Introduction to SMDU UI webinars on Sept. 14 and 19 and don’t delay – spaces fill up quickly! View the fact sheet or visit our website to learn more.

Join us at these upcoming events:

Sept. 17-20 | Pacific Northwest Mortgage Lenders Conference | Stevenson, WA
Sept. 18-20 | The 2017 Five Star Conference and Expo | Dallas
Sept. 21-22 | Virginia Mortgage Lenders Association Annual Convention | Richmond

View more events.

You may also be interested in…

Lenders, GSEs must work together to support homeownership gains among African-Americans
While still lower than all other groups, African-American homeownership is on the rise. Read more

Lenders aware they must provide a seamless customer service experience to stay competitive
Making the mortgage process seamless for consumers is the goal. It’s just a matter of how best to get there. Read more

Receive regular content updates by registering at The Home Story.

Recent Tweets

@D2_Duncan on what happens when @federalreserve begins its Great Unwind. Via @NatMortgageNews:
http://bit.ly/2wmQLOC

Sept. 12

If you or someone you know has been impacted by Hurricanes #Harvey & #Irma, this page contains info & resources:
http://www.fanniemae.com/relief

Sept. 11

Source: Fannie Mae

Additional Resource:

Safeguard Properties (Hurricane Irma All Client Alert summary page)