1. If the tax return was filled as a joint filing with the IRS, we will need both parties to complete the 4506T otherwise the IRS will not process the request
2. The 4506T must be signed and dated within 60 days of the request
3. The IRS will NOT process any 4506Ts that have anything crossed out on them
4. Please be sure the information is
   
   

1. If the tax return was filled as a joint filing with the IRS, we will need both parties to complete the 4506T otherwise the IRS will not process the request
2. The 4506T must be signed and dated within 60 days of the request
3. The IRS will NOT process any 4506Ts that have anything crossed out on them
4. Please be sure the information is
   
   

1. If the tax return was filled as a joint filing with the IRS, we will need both parties to complete the 4506T otherwise the IRS will not process the request
2. The 4506T must be signed and dated within 60 days of the request
3. The IRS will NOT process any 4506Ts that have anything crossed out on them
4. Please be sure the information is
   
   

• Monday, February 15, 2010 cannot be included in the rescission period for recindable loans
• No loans will be closed or funded Monday, February 15, 2010

• Monday, February 15, 2010 cannot be included in the rescission period for recindable loans
• No loans will be closed or funded Monday, February 15, 2010

• Monday, January 18, 2010 cannot be included in the rescission period for recindable loans
• No loans will be closed or funded Monday, January 18, 2010

• Monday, January 18, 2010 cannot be included in the rescission period for recindable loans
• No loans will be closed or funded Monday, January 18, 2010

1. Loan must first be disclosed
2. Complete the Submission Checklist
3. Log into your account at http://wholesale.clearpointfunding.com and locate the designated loan in your pipeline and click the "Create Folder" link
4. Upload required documents from Submission Checklist to your folder. (No file splitting is necessary)
5. Click SUBMIT TO CLEARPOINT FUNDING"

1. Loan must first be disclosed
2. Complete the Submission Checklist
3. Log into your account at http://wholesale.clearpointfunding.com and locate the designated loan in your pipeline and click the "Create Folder" link
4. Upload required documents from Submission Checklist to your folder. (No file splitting is necessary)
5. Click SUBMIT TO CLEARPOINT FUNDING"

1. Loan must first be disclosed
2. Complete the Submission Checklist
3. Log into your account at http://wholesale.clearpointfunding.com and locate the designated loan in your pipeline and click the "Create Folder" link
4. Upload required documents from Submission Checklist to your folder. (No file splitting is necessary)
5. Click SUBMIT TO CLEARPOINT FUNDING"

• Cash-outs are prohibited if the property was listed in the last 6 months
• Rate & Term allowed one day after the property has been taken off the market

• Rate & Term allowed one day after the property has been taken off the market
• Cash-Out Limited to 70% LTV

• Cash-outs are prohibited if the property was listed in the last 6 months
• Rate & Term allowed one day after the property has been taken off the market

• Rate & Term allowed one day after the property has been taken off the market
• Cash-Out Limited to 70% LTV

1. Include legible GFE so we can disclose. There are a great number GFEs coming over illegible
2. Include DO findings from the ClearPoint Funding website only
3. Include your credit report
4. Include your rate lock/float certificate
5. All disclosures and DO conditions except title and insurance

1. Your GFE must be legible
2. Include DO findings from the ClearPoint Funding website only
3. Include your rate lock/float certificate
4. Include all your disclosures and DO conditions except title and insurance

• Required for All Conventional Loans
• HO6 (Walls In) Insurance policy is required in addition to the Master Policy
• Minimum coverage is 20% of appraised value
• Does not need to be Escrowed

1. Include legible GFE so we can disclose. There are a great number GFEs coming over illegible
2. Include DO findings from the ClearPoint Funding website only
3. Include your credit report
4. Include your rate lock/float certificate
5. All disclosures and DO conditions except title and insurance

1. Include legible GFE so we can disclose. There are a great number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

Upon receipt of the appraisal, please upload it into the BlitzDocs loan folder, and then click Action items, Submit Appraisal; this will place your file into Appraisal Submitted status. Upon receipt & review of the appraisal, your processor will place the file into Submit to Underwriting status.

1. Include legible GFE so we can disclose. There are a number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

1. Include legible GFE so we can disclose. There are a number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

Upon receipt of the appraisal, please upload it into the BlitzDocs loan folder, and then click Action items, Submit Appraisal; this will place your file into Appraisal Submitted status. Upon receipt & review of the appraisal, your processor will place the file into Submit to Underwriting status.

1. Include legible GFE so we can disclose. There are a number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

Upon receipt of the appraisal, please upload it into the BlitzDocs loan folder, and then click Action items, Submit Appraisal; this will place your file into Appraisal Submitted status. Upon receipt & review of the appraisal, your processor will place the file into Submit to Underwriting status.

1. Include legible GFE so we can disclose. There are a number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

1. Include legible GFEs so we can disclose. There are a number of GFEs coming over illegible.
2. Include DO findings from the ClearPoint Funding web site only.
3. Include your credit report.
4. Include your rate lock/float certificate.
5. All disclosures and DO conditions except title and insurance.

1. Interest Credits are not allowed: ClearPoint Funding does not allow interest credits on FHA loans. Exceptions can be made to this, but must be approved prior to closing.
2. Tax Service Fee - this cannot be charged on an FHA loan.
3. Origination Fee - 1% is the maximum origination fee on a FHA loan.

• Credit Reports 90 days from the date of funding
• VOE’s 48 hours prior to closing
• Paystubs updated within 30 days of closing
• Appraisals dated within 90 days from date of funding

• Owner-Occupied purchase and rate/term reduced from 95% LTV to 80% LTV with a 640 minimum FICO
• Owner-Occupied cash out reduced from 85% LTV to 75% LTV with a 680 minimum FICO
• Investment purchase and rate/term reduced from 85% LTV to 75% LTV with a 660 min FICO
• Investment cash out reduced from 75% LTV to 70% LTV with a 680 minimum FICO

• Credit Reports 90 days from the date of funding
• VOE’s 48 hours prior to closing
• Paystubs updated within 30 days of closing
• Appraisals dated within 90 days from date of funding

• Owner-Occupied purchase and rate/term reduced from 95% LTV to 80% LTV with a 640 minimum FICO
• Owner-Occupied cash out reduced from 85% LTV to 75% LTV with a 680 minimum FICO
• Investment purchase and rate/term reduced from 85% LTV to 75% LTV with a 660 min FICO
• Investment cash out reduced from 75% LTV to 70% LTV with a 680 minimum FICO

• Credit reports are valid if they are dated within 90 days of the loan funding date
• ClearPoint Funding will complete a VOE 48 hours prior to closing
• Paystubs are valid if they are dated within 30 days of the loan funding date
• Appraisals are valid if they are dated within 90 days of the loan funding date

1. Interest Credits are not allowed: ClearPoint Funding does not allow interest credits on FHA loans. Exceptions can be made to this, but must be approved prior to closing.
2. Tax Service Fee - this cannot be charged on an FHA loan.
3. Origination Fee - 1% is the maximum origination fee on a FHA loan.