Loan Submission Form
Submissions after 2 pm MST are logged as the next business day
ESTIMATED CLOSING DATE ACCOUNT EXECUTIVE
MSF WILL NOT ACCEPT WHOLESALE LOANS WITH BROKER PROCESSED TRID DISCLOSURES UPLOADED (1003 AND /OR LOAN ESTIMATE)
COMPANY MSF BROKER/CORRESPONDENT ID
LOAN OFFICER LOAN OFFICER PHONE
LOAN OFFICER EMAIL
COMPANY NMLS # ORIGINATOR NMLS #
SECONDARY CONTACT SECONDARY CONTACT PHONE
SECONDARY CONTACT EMAIL
% $ OR %
BORROWER EMAIL
CO-BORROWER EMAIL
*NON-BORROWING SPOUSE EMAIL
*If applicable**Input additional borrowers in the LOE/LOX section
PROPERTY TYPE
.
VA IRRRL Submission Checklist
**Specific Loan Submission Checklist Required, Contact Account Executive for Details
(TBD Not Allowed)
$ $
$ $
$ $
$
$ I CERTIFY ALL LISTED FEES, 3RD PARTY OR OTHERWISE, TO
**MSF WILL DETERMINE TITLE/ESCROW FEES BE ACCURATE FOR THE SERVICES DESCRIBED
INITIAL DATE
State MBFA Matrix
* Anti-Steering Disclosure
Cert & Auth
VOE / VOR Help Guide
*Disclosure request documents should be uploaded into Byte Stored Document Category "Document Upload"
**MSF will not accept wholesale requests that contain broker processed disclosures (TRID DISCLOSURES - 1003, Loan Estimate, etc.)
***Disclosure requirements are due inside 48 business hours from the Byte "Application Status" Date
$ _________________
Required Submission items should be uploaded into Byte Store Documents Category "Document Upload"
*** AUS not required for FHA streamline
*** AUS not required for VA IRRRL
Required Submission items should be uploaded into Byte Store Documents Category "Document Upload"
Income & Asset documents should be uploaded into Byte Store Documents Category "Document Upload"
Payoff Amount of Loan Being Refinanced $
New loan eliminates monthly mortgage insurance (public, private or guaranty insurance $
Total number of payments remaining on loan being refinanced /months
Interest rate of loan being refinanced %
Payment (PI) on the new loan is lower than payment on the loan being refinanced $
New loan results in an increase in an increase in the borrowers monthly residual income $
New loan refinances an interim loan to construct, alter or repair the home
New loan amount is equal to or lesser than 90% of the reasonable value of the home
New loan refinances an adjustable rate (ARM) to a fixed rate (FRM)
I, , certify that I reviewed the information above and that it is correct
V.8/21/2020
BORROWER INFORMATION
PROGRAM INFORMATION
WHOLESALE FEES/CERTIFICATION (WHOLESALE ONLY)
PROPERTY INFORMATION
LOAN INFORMATION
LOAN NUMBER
LOAN PURPOSE
OCCUPANCY
PROPERTY VALUE $
PURCHASE PRICE $
REQUIRED ITEMS FOR UNDERWRITING (Wholesale & Correspondent)
WHOLESALE DISCLOSURE REQUIREMENTS
**Required States: AL, AK, AR, AZ, CA, CO, FL, ID, IL, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, SD, TN, TX, VT,
WA, WV, WI
(Complete section below and certify answers)
VA IRRRL Submission Checklist
BROKER CORRESPONDENT INFORMATION
Upload Submission Package to MSF BYTE
Wholesale Submission Cheatsheet Non-Delegated Submission Cheatsheet
LETTER OF EXPLANATION TO UNDERWRITER - Credit LOX/LOE
FHA ADDITIONAL REQUIRED ITEMS
VA CASHOUT NTB QUESTIONAIRE - REQUIRED ON ALL WHOLESALE VA TYPE I OR TYPE II CASHOUT TRANSACTIONS
INCOME & ASSET REQUIRED ITEMS
LENDER PAID COMPENSATION
BORROWER PAID COMPENSATION
SFR
PUD
CONDO DETACHED
CONDO ATTACHED
MANUFACTURED
UNITS
PRIMARY
2ND HOME
INVESTMENT
PURCHASE
REFINANCE
FHA
VA
USDA
CONVENTIONAL FANNIE MAE (DU)
CONVENTIONAL FREDDIE (LP)
TEXAS HOME EQUITY 50 (A)(6)
TEXAS HOME EQUITY 50 (F)(2)
HIGH BALANCE
VA CASHOUT - Regular Refi See NTB Section -
VA IRRRL - AUS NOT REQUIRED
FHA STREAMLINE - AUS NOT REQUIRED
AG AMERICA RURAL HOME/HOBBY FAR/FARM AND RANCH**
BP ORIGINATION FEE
THIRD PARTY PROCESSING FEE
PEST INSPECTION **NA on IRRRL
FLOOD INSURANCE
CREDIT REPORT
ATTORNEY
SURVEY **NA on IRRRL
OTHER
UPLOAD FNMA 3.2 FILE INTO MSF BYTE (loan # created)
MSF SUBMISSION FORM
EMAIL ADDRESSES ON SUBMISSION FORM (all borrowers & non
borrowing spouse if applicable)
CREDIT REPORT - include non borrowing spouse if applicable
CERTIFY WHOLESALE FEES (signature on page 1)
COMPLETE EXPANDED GMI FIELDS
MORTGAGE BROKER FEE AGREEMENT
ANTI-STEERING DISCLOSURE
3.2 FILE UPLOADED INTO O BYTE
AUS RELEASED AND/OR IN FINAL STATUS
MSF SUBMISSION FORM COMPLETE
CREDIT REPORT - include non borrowing spouse if applicable
PURCHASE CONTRACT
CORRESPONDENT DISCLOSURE PACKAGE (CORRESPONDENT ONLY)
***LIST SELLER CONTRIBUTIONS TO CLOSING COSTS HERE
AUS INCOME CONDITIONS UPLOADED INTO BYTE STORED DOCUMENTS CATEGORY "DOCUMENT UPLOAD"
CREDIT REPORT - include non borrowing spouse if applicable
VA CASE ASSIGNMENT/APPRAISAL REQUEST
DD214
COE (certificate of eligibility)
VA IRRRL (NCQ) Mortage Only Credit Report
YES
NO
YES
NO
YES
NO
AUS ASSET CONDITIONS UPLOADED INTO BYTE STORED DOCUMENTS CATEGORY "DOCUMENT UPLOAD"
**ACCOUNTCHEK - check this box to confirm the borrower has been given the information
FHA CASE ASSIGNMENT REQUEST FORM
FHA STREAMLINE (NCQ) Mortage Only Credit Report (credit scores not required)
VA CASHOUT NET TANGIBLE BENEFIT QUESTIONAIRE
CONTACTS FOR VOE & VOR (IF APPLICABLE)
BORROWER'S CERT & AUTH
CHANGE STATUS TO "SUBMITTED" IN MSF BYTE