Edumacation pla-station

Education Station

Thanks for Visiting: Have YOU submitted YOUR loan to me yet?

You didn't think I was going to provide this information without at least ASKING for the business did you?

2010 is going to be an Exciting Year to say the least!

Through this site I deliver as much information as possible and keep you updated with my e-mails to you, my partner.

I THANK YOU FOR RETURNING AND YOUR RETURN BUSINESS.

On this page you will find various Articles, Product Updates, Newsletter Tid-Bits, Charts, Graphs etc. that I have culminated and am still obtaining in my day to day.

Thursday, January 10, 2008: will be Part One of a series of 3 from Tanta Co-Author of the Blog Calculated Risk. She has put together a great series on how loans are securitzed. Click Here: to download the word document.

Part Two of a series of 3 from Tanta Co-Author of the Blog Calculated Risk. Click Here: to download the word document

Paper Warehouse - Forms for everything

Part three of a series of 3 from Tanta Co-Author of the Blog Calculated Risk. Click here: to download the word document

From the New York Federal Reserve: How Loans are Securitized - NYFed

Genworth Declining Markets list , Genworth Policy for Declining Markets , Genworth UW Changes 12-3-07

Friday Funnies: on Blog of the Mortgage

Tuesday, January 22, 2008: Barry Habib and Sue Woodard of The Mortgage Market Guide announce their forecast: Mortgage Market Forecast 2008

Wednesday, January 23, 2008: Joseph H. Ellis wrote this great piece on Recessions and Business Cycles for INC. Magazine. It pretty much hits the nail on the head. Remember: We're all in business and these activities DO effect us. Understanding the Economy

1-25-08 OFHEO - Implications of increased loan limit

From Potomac Partners (Franklin American Pays these folks to keep us aprised of the comings and goings in Washington): Update on Loan Limits , Update on Loan Limits pt. 2

From California Department of Corporations Site: Ca Civil Code 1632 , Here's the Announcement for 2004! , www.loanworkout.org

MI is Tax deductible , Follow this link here as well: The ever reliable Tanta from Calculated Risk explains MI in a Two Part Series: PMI Pt. 1 , PMI Pt. 2

Stimulus Bill - House Version, Stimulus Bill HR 5140 , Potomac Partners Update 2-7-08 , Examples of FHA Loan increases , Link to House Bill Tracking Site

MI Policy Changes: MGIC update 3-1-08 , RMIC Release 2.13.08 , PMI distress mkts policy , PMI distressed charts , Also: A great review of nationwide markets for the from RMIC: RMIC Econ Commentary 12-2007

Appraisal Checklists, items to review your appraisal against AND...Well Fargo Finally kills the 100% loan (phew!).... Appraisal Checklist , keys to appraisal , Well Fargo update 2-29-08 , RMIC appraisal checklist

IMPOUND SCHEDULE , 2008 Rescission Calendar

Nehemiah Update 3-4-08 , Potomac Partners Update 3-4-08

New HUD limits CA.xls

Friday, March 07, 2008 FNMA Pricing Changes for June 1.pdf , FNMA New Conforming Guides , FNMA LLPA Matrix Final.pdf , OFHEO AREA_LIST.pdf , FHLMC - New Conforming guides

DPA List California.xls , FHA Act of 1934 , The 1st 25 yrs of FHA-review

Proposed RESPA Rule Changes ,

Foreclosure and REO from Tanta ,

Saturday, May 10, 2008 Update to du 7 , FNMA lateral mover

Monday, July 28, 2008 Copy of Housing Bill HR 3221 , Hope for Homeowners - Analysis

Sunday, August 24, 2008 Update to DU 7.0 8-16-08 , MLDS 882-How loan works , MLDS 883-GFE for RESPA , MLDS 885 - Int. Only & ARM's

Wednesday, October 01, 2008 - Hope for HomeOwnerShip

H4H Appreciation Worksheet , H4H Consumer Disclosure-Cert , H4H Lender Cert , ML - HOPE for Homeowners - Guidelines , H4H Shared Appreciation Note , H4H Pre-Endorsement , H4H Shared Equity Note

Monday, October 20, 2008 Radian eBulletin 2008-09

Wednesday, October 22, 2008 FNMA 08-27 High Cost Limits FNMA LLPA matrix - 10-08 , FNMA eligibility matrix 10-08

Friday, November 07, 2008 Most Recent MI Schedule with ALL updates (as posted in Blog earlier) MI Analysis 11-04-08 New Loan Limits and FHFA Press Release: High Cost Loan Limits 2009 , Conforming for 2009 -Press

Friday, November 14, 2008 NEW FHA Limits Announced! 08-36ml - 2009 Loan Limits , FHA High Limits , FHA Lower Limits

Sunday, November 30, 2008 FNMA 08-30 Appraisal , DO/DU 7.1 Update , DO/DU 7.1 Income

Wednesday, December 31, 2008 FNMA 08-38 LLPA update

Saturday, February 07, 2009 Appraisal Code - Fannie - Freddie (Exec Summary)

Wednesday, February 11, 2009 Example of FNMA 1004 MC , Fannie Agree-HVCC , Freddie Agree-HVCC , FNMA 1004MC appraisal faqs , Home Valuation Code of Conduct ,

Tuesday, April 07, 2009 09-08ml Max Cash out , 09-09ml 1004MC appraisal

Monday, May 04, 2009 MGIC Self Employed Borrower manual ,

Wednesday, May 13, 2009 HUD speech Monetizing FTHB Credit

Sunday, May 17, 2009 1728 Amendments , 1728 Summary

Friday, May 29, 2009 09-15ML $8k Tax Credit -Monetized IRS 5405 Tax Credit Calc , IRS $8K credit Explained

Wednesday, July 08, 2009 HARP/DU Refi Plus Loan Program information : Does Freddie Mac own your Loan? , Does Fannie Mae own your Loan? , FNMA Refi Plus Guides - 09-04 , Freddie Mac HARP loan - 2009-5

Friday, July 10, 2009 FNMA 09-19 credit docs - reserves