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The Paper Warehouse


This section of BrokerUniverse features useful documents contributed by members of the Grapevine community. We assume each item available here is either in the public domain or has been allowed by the copyright owner to be posted here. If you hold the copyright to one of these documents and object to it being posted here, please send an e-mail to webmaster@brokeruniverse.com to let us know. We will promptly remove the item in question.

We host these documents here in the hope that they will be helpful to loan originators, but SourceMedia provides them to you "as-is" with no guarantees whatsoever. If you are in doubt about their usefulness or accuracy, consult a lawyer or qualified financial advisor.

If you have something you believe would fit nicely in this section please submit to
georgiana.lee@sourcemedia.com so we can add it to the list.

1003.pdf
The 1003 revised on 7/05 for use beginning 1/1/06.

1003i.pdf
The interactive 1003 revised on 7/05 for use beginning 1/1/06.

1003setuplist.doc
Check list for 1003 completion.

IRS 4506 form
Request for Copy or Transcript of Tax Form - revised 1/1/04 in Word format.

antifraudqc.doc
Anti Fraud Procedures Check List.

antifraudqc.htm
Anti Fraud Procedures Check List in html format.

appraisalexplanation.pdf
Understanding the appraisal process.

appraisalreviewchecklist.pdf
Appraisal review checklist in pdf format.

armhandbook.pdf
Consumer Handbook on Adjustable Mortgages from the Federal Thrift Board Office of Thrift Supervision.

aprbreakdown.pdf
OCC's publication on Truth in Lending regarding what is and is not a finance charge.

blended_apr.xls
The Mortgage Professor's Blended APR Spread Sheet.

blended_rate_enhanced
Blended Interest Rate of First and Second Mortgages Spread Sheet.

budgetworksheet.doc
A helpful budgeting tool to give to your clients. In Word format.

dualcompdisclosure.doc
Dual Compensation Disclosure Form.

EZblendedrateGeneric.xls
E-Z Blended Rate Form Excel Spreadsheet

FACTA.doc
FACTA disclosure sheet in Word format

FACTA.pdf
FACTA disclosure sheet as a pdf file

financing alternatives
Financing Alternatives in Excel format. (This spreadsheet will show borrowers/realtors different payments, with different programs. Suggested plans.) Some areas are write protected due to RESPA disclosure. You can download the format, and reset the values of the cells format to fit your wants and needs.

Form 1020 (s) from Fannie Mae
Borrower's Financial Statement - Spanish Version (Form 1020(S))

FSBO.doc
For Sale By Owner Marketing Tips.

genericstackingorder.doc
A generic stacking order form in Word for you to customize.

howcreditisevaluated.pdf
A basic list of some things that make up your credit score.

HUD Booklet on Buying and Financing a Home
This 28-page PDF booklet explains the home buying process to prospective homeowners.

impound_agreement.doc
Monthly Impound of Property Taxes and Homeowners Hazard Insurance in Monthly Mortgage Payment Agreement.

locknotification.doc
Loan Interest Rate Lock Notification Form.

marketing flyer one
The owners of THE CORNER SOURCE asks that if you circulate the "You Need To Know Your Credit Score" flyer that it remain unchanged.

marketing flyer two
Feel free to change this flyer. The writer suggests every six months and to make sure to include 2 business cards! Flyers are often tossed or misplaced. Business cards easily fit into wallets or on frig. doors.

Newbie Resource Guide Version 4.doc
New members of the Grapevine resource Guide.

mortgagetermsenglishtospanish.xls
Mortgage terms translated from English to Spanish in Excel.

nonexempttimesheet.doc
Editable Non-Exempt Time Sheet in Word.

optionarmworksheet.xls
Option Arm Worksheet in Excel.

Patriot Act Info Form.pdf
Patriot Act Information Form in pdf format.

Patriot Act Info Form.pdf
Patriot Act Information Form in pdf format.

Patriot Act Info Disclosure.pdf
Patriot Act Information Disclosure in pdf format.

qclist.doc
Quality Control Checklist.

ratelock1of2.doc
Rate Lock/Float Agreement/Authorization: 1 of 2.

ratelock2of2.doc
Rate Lock/Float Agreement/Authorization: 2 of 2.

realtybluebook.doc
Keystrokes for bluebook tables using the QUALIFIER PLUS® IIX calculator.

FNMA Self Employed income.doc
An explanation of the various types of self employment income along with an analysis worksheet in doc format.

FNMA Self Employed income.pdf
An explanation of the various types of self employment income along with an analysis worksheet in pdf format.

stateddisclosure.doc
Statement of Understanding (Stated Income Loan) Form.

subordinationagreement.doc
Subordination agreement.

tangiblebenefitcert.doc
Borrower's Certificate of Reasonable, Tangible Net Benefit.

VOE in Spanish
Spanish VOE in pdf format.

Weighted Interest Rate vs. MI Calculator
This calculator allows a broker to present the borrower with information that assists in selection of loan programs with and with out mortgage insurance. On one page it gives the borrower differences in actual payment, APR and equity build up for the term of the loan.

What not to do after applying for a loan
An MS Word list of things borrowers should avoid doing in the period between applying for and closing a loan.

whyuse.pdf
Why Use a Mortgage Broker?

workbook.doc
Training workbook for the QUALIFIER PLUS® IIX calculator.
 

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