Enact Holdings, Inc. · NASDAQ:ACT
Enact — Investor Presentation (September 2020)
105 slides from Enact's investor presentation, September 2020
Slide 1: Best Practices In Loan Processing
Best Practices In Loan Processing: Suggested Best Practices and Reminders September 2020 Customer Education Brought to you by: Genworth Customer Development and Process Consulting ©2020 Genworth Financial, Inc. All rights reserved. Best Practices In Loan Processing 0
Slide 2: Agenda
Agenda Objective for today is to provide basic file review before passing a file off to underwriting. – COVID-19 Overview – 1003 or URLA (Uniform Residential Loan Application) Review – Purchase and Sale Agreement Review – Liability and Credit Report Review – Income Review – Assets review – Credit re
Slide 3: Fannie Mae COVID-19 Resources
Fannie Mae COVID-19 Resources Fannie Mae Updates, FAQs, Fannie Mae’s COVID 19 webpage https://singlefamily.fanniemae.com/ Best Practices In Loan Processing 2
Slide 4: Fannie Mae COVID-19 Resources
Fannie Mae COVID-19 Resources Fannie Mae Updates, FAQs, Fannie Mae’s COVID 19 webpage https://singlefamily.fanniemae.com/originating-underwriting#selling-promo 3 Best Practices In Loan Processing
Slide 5: COVID-19 Updates!!
COVID-19 Updates!! Freddie Mac released Selling Updates and Appraisal Flexibilities in Bulletin 2020-05 on 3/23/20 and Bulletin 2020-08 on 3/31/20 & Bulletin 2020-11 on 4/14/2020 and Bulletin 2020-23 on 6/11/2020, Bulletin 2020-27 on 7/9/2020 and Bulletin 2020-35 on 8/27/2020 https://guide.freddiema
Slide 6: New URLA
New URLA Use Of The New Uniform Residential Loan Application Or URLA Is Mandatory March 1, 2021 Best Practices In Loan Processing 5
Slide 7: URLA
URLA Review Entire URLA – Property address in USPS format – Is property a manufactured home? Do you do manufactured homes? Possible it is modular? Verify – Purpose of refinance – Ask the source of down payment? List on cover letter or notes to file – Complete two year residence and employment histor
Slide 8: Declarations and signatures
1003 Declarations and signatures – Permanent resident alien marked? Proper documentation in file? – Note: The New URLA citizenship is found on the first page under personal information – Question a - make sure this section is correct. If a refi, clearly there has been ownership before – Occupancy -
Slide 9: Purchase Agreement
Purchase Agreement Carefully Review Purchase Agreement for: – Sales Price, verify correct in LOS/ Feedback Results – Stay on top of the loan commit date and estimated closing date! Prioritize. Best Practices In Loan Processing 8
Slide 10: Purchase Agreement
Purchase Agreement Carefully Review Purchase Agreement for: – All pages, exhibits, attachment addendums and signed by all parties – Look for anything “to be repaired” – Condition issues that affect safety, soundness and habitability – Any HOA or condo dues listed in agreement? Include in housing rat
Slide 11: Purchase Agreement
Purchase Agreement Earnest Money and the Purchase Agreement: – Earnest money, does it match the LE? Was it drawn from an account listed on the 1003? – Did the borrower explain it was a gift? If so, gift documentation applies. – Does the check amount match the contract amount? – Has the earnest money
Slide 12: Liabilities
Liabilities Best Practices for Review Best Practices In Loan Processing 11
Slide 13: Fannie Mae LL-2020-03 Effective June 2, 2020
Fannie Mae LL-2020-03 Effective June 2, 2020 And Remains Effective Until Further Notice Updated Policy for new Purchase and refinance transactions – Lenders must review borrower’s credit report to determine the status of all mortgage loans. In addition, lenders must apply due diligence for each mort
Slide 14: Bulletin 2020-17
Bulletin 2020-17 TEMPORARY PURCHASE AND REFINANCE ELIGIBILITY REQUIREMENTS FOR BORROWERS WITH EXISTING MORTGAGES These temporary requirements are effective for Mortgages with Application Received on and after June 2, 2020 and until further notice. It is encouraged to implement these requirements to
Slide 15: Documentation Matrix – Freddie Mac
Documentation Matrix – Freddie Mac – Documentation Matrix- August 2020 – Assists with processing and documenting loan files – Be mindful of Product Overlays https://sf.freddiemac.com/content/_assets/resources/pdf/update/docmatrix.pdf Best Practices In Loan Processing 14
Slide 16: Liabilities and the Credit Report
Liabilities and the Credit Report • Best Practices: – Review the 1003 section, don’t assume it was completed properly – Review credit report, ensure all liabilities populated correctly (i.e. leases, mortgages) – Any judgements or tax liens – Review pay stubs for additional debt (undisclosed debt) –
Slide 17: Debts Included in the DTI - Freddie Mac
Debts Included in the DTI - Freddie Mac Page 28 doc matrix Did You Verify Taxes, Insurance And HOA For Properties Owned? Even For Properties Owned Free And Clear, They Should Be Included Best Practices In Loan Processing 16
Slide 18: Freddie Mac liabilities fact sheet link
https://sf.freddiemac.com/content/_assets/resources/pdf/fact-sheet/conv_lp_liabilities.pdf Best Practices In Loan Processing 17
Slide 19: Freddie Mac and Student Loans
Freddie Mac and Student Loans https://sf.freddiemac.com/content/_assets/resources/pdf/update/docmatrix.pdf Page 29 doc matrix Best Practices In Loan Processing 18
Slide 20: Debts Included in the DTI – Fannie Mae
Debts Included in the DTI – Fannie Mae The total monthly obligation is the sum of the following: – Monthly housing expense (PITIA) – Monthly payments on installment debts and other mortgage debts that extend beyond ten months (including deferred installment loans); – Monthly payments on revolving de
Slide 21: Debts Included in the DTI – Fannie Mae
Debts Included in the DTI – Fannie Mae The total monthly obligation….cont. (B3-6-05) – 30 Day charge accounts - monthly balance will not be calculated in the DTI, but included as reserves in the “required funds to be verified” – Do not omit or mark paid by close • Verify MOP is “O” on credit report
Slide 22: Fannie Mae Student Loan Policy
Fannie Mae Student Loan Policy Student Loans – Is it Deferred or in Repayment? B3-6-05 Best Practices In Loan Processing 21
Slide 23: Employment and Income
Employment and Income Best Practices for Review Best Practices In Loan Processing 22
Slide 24: COVID Updates: Lender Letter 2020-03
COVID Updates: Lender Letter 2020-03 Continuity of Income: – Ask questions • Any furlough or layoff this year? • Pay reduction? • Hours reduced? • Will OT, bonus continue? And at what level https://singlefamily.fanniemae.com/media/22316/display Best Practices In Loan Processing 23
Slide 25: COVID Updates: Lender Letter 2020-03
COVID Updates: Lender Letter 2020-03 Continuity of Income Policies extended to September 30, 2020: – Verbal VOE •Lenders may obtain a written VOE confirming the borrower’s current employment status within the same timeframe as the verbal VOE requirements. An email directly from the employer’s work e
Slide 26: Fannie Mae LL-2020-03
Fannie Mae LL-2020-03 Effective for applications taken April 14, 2020 until further notice: – Age of Documents • For most income and asset documents, age requirements is reduced from four months to two months or 60 days from the note date. If an asset statement is issued quarterly, lenders must obta
Slide 27: Fannie Mae LL-2020-03
Fannie Mae LL-2020-03 Reminders and Suspension of Employment Validation Service – Reminder that unemployment may only be used if it clearly is associated with seasonal employment reported on the signed federal tax returns and lenders verified the income by following B3-3.1-09 of the Selling Guide. •
Slide 28: Fannie Mae LL-2020-03
Fannie Mae LL-2020-03 Effective for applications taken April 14, 2020 until further notice: – Self-Employment • Lenders must confirm that the borrower’s business is open and operating within 20 business days of the note date (or after closing but prior to delivery). See LL 2020-03 for examples to co
Slide 29: Fannie Mae LL-2020-03 Effective June 11, 2020
Fannie Mae LL-2020-03 Effective June 11, 2020 And Remains Effective Until Further Notice Due to the pandemic’s continuing impact on businesses throughout the country, lenders are now required to obtain the following additional documentation to support the decision that the self-employed income meets
Slide 30: COVID Updates: Bulletin 2020-5 & 2020-35
COVID Updates: Bulletin 2020-5 & 2020-35 Guidance Related to Covid-19 -Bulletin 2020-35 extends some flexibilities to September 30, 2020 or for other policies until further notice https://guide.freddiemac.com/app/guide/content/a_id/1003723 https://guide.freddiemac.com/app/guide/bulletin/2020-35 Best
Slide 31: COVID Updates: Bulletin 2020-5 & 2020-35
COVID Updates: Bulletin 2020-5 & 2020-35 Credit Underwriting, Policies extended to September 30, 2020: – Employed Income – 10 day pre-closing verification (PCV), Sellers may obtain one of the following in lieu of the10 day PCV: • An email directly from the employer’s work email address that identifi
Slide 32: Bulletin 2020-8
Bulletin 2020-8 The temporary credit underwriting requirements below are effective for Mortgages with Application Received Dates on or after April 14, 2020, and remain in place until further notice: Credit Underwriting: – Self-employed Borrowers: Verification of the current existence of the business
Slide 33: Bulletin 2020-8
Bulletin 2020-8 The temporary credit underwriting requirements below are effective for Mortgages with Application Received Dates on or after April 14, 2020, and remain in place until further notice: Credit Underwriting: – All Income and Asset documentation must be dated no more than 60 days prior to
Slide 34: Bulletin 2020-14
Bulletin 2020-14 GUIDANCE AND REMINDERS Furloughs and layoffs Freddie Mac provides requirements for income while on temporary leave in Section 5303.5. These requirements do not extend to employer-initiated actions such as furloughs and layoffs, regardless of whether there is a projected “return to w
Slide 35: Bulletin 2020-14
Bulletin 2020-14 Unemployment compensation While we recognize that many individuals have become eligible for assistance and compensation available through the Unemployment Insurance Provisions provided in the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), the assistance and compens
Slide 36: Bulletin 2020-14
Bulletin 2020-14 Automated income assessment with Loan Product Advisor® using tax return data To align with the IRS federal tax filing extension, we are revising our requirements applicable to automated income assessment with Loan Product Advisor® using tax return data (i.e., AIM for self-employed).
Slide 37: Bulletin 2020-19
Bulletin 2020-19 These temporary requirements are effective for Mortgages with Application Received on and after June 11, 2020 and until further notice. It is encouraged to implement these requirements to loans in process. Due to the pandemic’s continuing impact on businesses throughout the country,
Slide 38: Documenting Employment and Income
Documenting Employment and Income Two Year History is Required on the URLA for All Applicants Freddie Mac Documentation Matrix Borrowers Who Experienced Recent Employment Gaps (e.g. 30 Days), A Letter Of Explanation Is Not Required, But The Seller Remains Responsible For Establishing The Employment
Slide 39: Documenting Employment and Income
Documenting Employment and Income Is Your borrower self employed? Do Not Lump Income Types Together Break Out Income Type For Proper AUS Results Best Practices In Loan Processing 38
Slide 40: Pay Stubs
Pay Stubs Reminders: – The borrower’s name and SSN# must be consistent with the application (Spelling, middle initial or a JR or III). – Computer generated? – If paid hourly, the number of hours must be noted on the paystub – Dated within 30 days of application; if stale dated, obtain a more recent
Slide 41: Review Pay Stub W-2 Any Problems?
Review Pay Stub W-2 Any Problems? Paid twice a month or 24 times per year Best Practices In Loan Processing 40
Slide 42: Any Problem With This Paystub?
Any Problem With This Paystub? Julie Jewell 999-44-4545 Best Practices In Loan Processing 41
Slide 43: Examining W-2s
Examining W-2s W-2 Review Reminders: – Name and SSN# must match the application and also the paystub – Applicant’s address should also match the 1003 and bank statement mailing address – W-2s should be the most recent one or two (if required) – read the AUS feedback – Is the yearly income /12 consis
Slide 44: Review the W-2 - Any Problems Here?
Review the W-2 - Any Problems Here? Best Practices In Loan Processing 43
Slide 45: Written Verification of Employment
Written Verification of Employment Review the VOE When It Comes Back In: – Forms should be signed, dated with signature and printed name of employer – If faxed, note the origin of the faxed document - Is it coming from the employer? – Income consistent with application? – Is bonus or overtime likely
Slide 46: Best Practices In Loan Processing
Best Practices In Loan Processing 45
Slide 47: Freddie Mac Long Term Rental Income
Freddie Mac Long Term Rental Income One-year management history or ownership of a primary home income (Section 5306.19c)(ii) The borrower must own a Primary Residence to use rental income to qualify when purchasing a new rental property in the current calendar year; and – Whether purchasing a new re
Slide 48: Fannie Mae Selling Announcement SEL 2019-08
Fannie Mae Selling Announcement SEL 2019-08 Best Practices In Loan Processing 47
Slide 49: Fannie Mae Selling Guide
Fannie Mae Selling Guide https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income- Assessment/#General.20Requirements.20for.20Documenting.20Rental.20Income Best Practices In Loan Processing 48
Slide 50: Fannie Mae Selling Guide
Fannie Mae Selling Guide https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting- Borrowers/#Documenting.20Rental.20Income.20from.20Subject.20Property *Lenders must meet all Fannie Mae requirements for use of rental income such as history of owning and mana
Slide 51: Assets and Reserves
Assets and Reserves Asset Documentation Reminders and Best Practices Best Practices In Loan Processing 50
Slide 52: Fannie Mae LL-2020-03
Fannie Mae LL-2020-03 Effective for applications taken April 14, 2020 and until further notice: Market-based assets • When using stocks, stock options or mutual funds for down payment or closing costs, evidence of the borrower’s actual receipt of funds from the sale or liquidation must be documented
Slide 53: Bulletin 2020-8 & 2020-35
Bulletin 2020-8 & 2020-35 The temporary credit underwriting requirements below are effective for Mortgages with Application Received Dates on or after April 14, 2020, and remain in place until further notice: Credit Underwriting: – All Income and Asset documentation must be dated no more than 60 day
Slide 54: Asset Documentation
Asset Documentation Review the URLA – Review total assets listed/disclosed on URLA with total funds to be verified per AUS – Did you verify sufficient funds? – If not, contact borrower for source of additional funds. Where will they come from…gift? Best Practices In Loan Processing 53
Slide 55: Assets and Reserves
Assets and Reserves If reserves are required, document that the borrower has sufficient reserves from acceptable sources. – Reserves are dependent on: • Risk of the loan file and how many properties the borrower owns • Property and occupancy type • Product and underwriting type Always verify your ap
Slide 56: New URLA
New URLA Gifts and the URLA – Separate section for gifts and grants – Be sure to always enter gifts separately so AUS can do proper eligibility check Best Practices In Loan Processing 55
Slide 57: Gift Funds - Documentation Requirement
Gift Funds - Documentation Requirement A gift can be provided by: – a relative, defined as the borrower’s spouse, child, or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, or legal guardianship; or – a fiancé, fiancée, or domestic partner. The
Slide 58: Gift Funds - Availability & Transfer of Funds
Gift Funds - Availability & Transfer of Funds The lender must verify that sufficient funds to cover the gift are either in the donor’s account or have been transferred to the borrower’s account. Acceptable documentation includes the following: – a copy of the donor’s check and the borrower’s deposit
Slide 59: Gifts – Freddie Mac
Gifts – Freddie Mac https://sf.freddiemac.com/content/_assets/resources/pdf/update/docmatrix.pdf Doc matrix page 24 Best Practices In Loan Processing 58
Slide 60: Large Deposits and Recently Opened Accounts
Large Deposits and Recently Opened Accounts The lender must investigate any indication of borrowed funds. These must be identified differently, based upon how the asset account was verified… – A large deposit is any single deposit that is 50% or more of the total income being used to qualify – If us
Slide 61: Guidance on Large Deposits
Guidance on Large Deposits https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter- B3-4-Asset-Assessment/ Fannie Mae Selling Guide Chapter B3-4.2-02 Depository Accounts (12/06/2016) Best Practices In Loan Processing 60
Slide 62: Additional Guidance on Large Deposits
Additional Guidance on Large Deposits https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter- B3-4-Asset-Assessment/ Fannie Mae Selling Guide Chapter B3-4.2-02 Depository Accounts (12/06/2016) Best Practices In Loan Processing 61
Slide 63: Large Deposits & Recently Opened Accounts
Large Deposits & Recently Opened Accounts https://sf.freddiemac.com/content/_assets/resources/pdf/update/docmatrix.pdf Doc matrix page 20 Best Practices In Loan Processing 62
Slide 64: Asset Documentation Review
Asset Documentation Review When Reviewing Bank Statements, Look for the Following: – The bank statement: is the borrower’s name, account #, and address consistent with 1003? – Verify statement includes an account number (it can be truncated to four digits) – Did the applicant provide the most recent
Slide 65: Review the VOD
Review the VOD If Using a VOD, Review….. – Who completed it; Name, Title, Date…can you read it? – Current balance vs. average balance? Large increase? Did you check? • If large increases, that large increase must be addressed or sourced – The date the account was opened: • If opened in the last 90 d
Slide 66: VOD Review
VOD Review SAMPLE Best Practices In Loan Processing 65
Slide 67: Reserves
Reserves Guide Impacts: 5501.2(b) – Max number of financed properties is 10 when subject is second home or investment property – 720 Credit score required when 7-10 financed properties and loan must be submitted to Loan Product Advisor with Accept/Eligible Recommendation – Loan Product Advisor will
Slide 68: Multiple Financed Property Reserve Policy
Multiple Financed Property Reserve Policy Maximum number of financed properties is 10 when the subject is a second home or investment- 7-10 required eight months reserves https://sf.freddiemac.com/content/_assets/resources/pdf/update/rental.pdf Freddie Rental Income Matrix Page 5 Best Practices In L
Slide 69: Fannie Mae Reserve Requirements
Borrowers with Multiple Financed Properties – Fannie Mae Reserve Requirements DU determines the reserves required for the other residential financed properties https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter- B3-4-Asset-Assessment/
Slide 70: AUS Findings and Feedback Review
AUS Findings and Feedback Review Best Practices for Review, 1008/1003/DU/LPA Messages Best Practices In Loan Processing 69
Slide 71: Loan Product Advisor Feedback Certificate
Loan Product Advisor Feedback Certificate • Review: – Recommendation – Eligibility – Documentation level • Standard • Streamlined – Appraisal requirement – Expiration date – Read ALL messages on the Feedback results Review The Feedback Certificate Best Practices In Loan Processing 70
Slide 72: Loan Product Advisor Feedback Certificate
Loan Product Advisor Feedback Certificate • Displays: – Mortgage details Review The Feedback Certificate Best Practices In Loan Processing 71
Slide 73: Loan Product Advisor Feedback Certificate
Loan Product Advisor Feedback Certificate • Displays: – Current address – Proposed payment – Ratios • Housing • DTI – Total monthly income submitted – Total monthly debt – LTV Best Practices In Loan Processing 72
Slide 74: Easy To Read Funds To Verify
Easy To Read Funds To Verify – Assets: Do you know how much to verify? Best Practices In Loan Processing 73
Slide 75: Income/Employment Messages
Income/Employment Messages • Read Each Message, does it apply to the transaction? • Note: Many messages say “if”, so they apply only “if”…. Best Practices In Loan Processing 74
Slide 76: Loan Product Advisor Feedback Certificate
Loan Product Advisor Feedback Certificate Review All Feedback Certificate Messages Best Practices In Loan Processing 75
Slide 77: Loan Product Advisor Feedback Certificate
Loan Product Advisor Feedback Certificate Best Practices In Loan Processing 76
Slide 78: Best Practices In Loan Processing
Best Practices In Loan Processing 77
Slide 79: Desktop Underwriter Findings
Desktop Underwriter Findings Best Practices for Review Best Practices In Loan Processing 78
Slide 80: DU Findings Report
DU Findings Report Risk/Eligibility – Why NOT eligible – How underwritten (specific product/program) – Potential inaccuracies Potential Red Flag Messages: – Social Security alerts – Valuation concerns Best Practices In Loan Processing 79
Slide 81: Sample DU Findings Report
Sample DU Findings Report MI Message Verify Premium Amount Included in DTI For DU or Loan Product Advisor for that matter –Genworth Rate Quote in file to support MI premium used? Best Practices In Loan Processing 80
Slide 82: DU Findings Report
DU Findings Report Verification Messages Broken Out By Topic: –Credit and Liabilities • Bankruptcy, foreclosures, charge offs, omitted accounts-do you have proper documentation • What accounts were indicated as “to be paid off” • Mortgage that need additional attention/verification Best Practices In
Slide 83: DU Findings Report
DU Findings Report Read Funds Section and Verify No Additional Funds are Needed – Submit only statements that needed for the transaction; It takes time for underwriters to review documents that are not needed. Best Practices In Loan Processing 82
Slide 84: Fannie Mae Website
Fannie Mae Website https://singlefamily.fanniemae.com/originating-underwriting Best Practices In Loan Processing 83
Slide 85: Fannie Mae Job Aids/FAQs
Fannie Mae Job Aids/FAQs https://singlefamily.fanniemae.com/learning-center/originating-and-underwriting Best Practices In Loan Processing 84
Slide 86: Fannie Mae Top Trending Questions
Fannie Mae Top Trending Questions https://singlefamily.fanniemae.com/faq-top-trending-selling-faqs Best Practices In Loan Processing 85
Slide 87: Freddie Mac website
https://sf.freddiemac.com/ Best Practices In Loan Processing 86
Slide 88: Freddie Mac resources link
https://sf.freddiemac.com/content/_assets/resources/pdf/other/nc_resources.pdf Best Practices In Loan Processing 87
Slide 89: Freddie Mac LPA resources link
https://sf.freddiemac.com/content/_assets/resources/pdf/fact-sheet/lpa_resources.pdf Best Practices In Loan Processing 88
Slide 90: Documentation and Rental Income Matrix
Documentation and Rental Income Matrix – Documentation Matrix Updated August 2020 – Rental Income Matrix Updated July 2020 https://sf.freddiemac.com/content/_assets/resources/pdf/update/rental.pdf Best Practices In Loan Processing 89
Slide 91: Genworth Underwriting Guidelines
Genworth Underwriting Guidelines Best Practices In Loan Processing 90
Slide 92: Genworth MI Top Decision Errors
Genworth MI Top Decision Errors https://new-content.mortgageinsurance.genworth.com/2020-08/MI%20Decision%20Tips%202Q%202020.pdf Best Practices In Loan Processing 91
Slide 93: Genworth MI Decision Tips link
https://new-content.mortgageinsurance.genworth.com/2020-08/MI%20Decision%20Tips%202Q%202020.pdf Best Practices In Loan Processing 92
Slide 94: Genworth MI Decision Tips link
https://new-content.mortgageinsurance.genworth.com/2020-08/MI%20Decision%20Tips%202Q%202020.pdf Best Practices In Loan Processing 93
Slide 95: Genworth MI Decision Tips Updated Every Quarter
https://new-content.mortgageinsurance.genworth.com/2020-08/MI%20Decision%20Tips%202Q%202020.pdf Genworth MI Decision Tips Updated Every Quarter Best Practices In Loan Processing 94
Slide 96: Genworth MI Decision Tips link
https://new-content.mortgageinsurance.genworth.com/2020-08/MI%20Decision%20Tips%202Q%202020.pdf Best Practices In Loan Processing 95
Slide 97: Contract Underwriting Submission Tips
Contract Underwriting Submission Tips https://new-content.mortgageinsurance.genworth.com/documents/contract-svcs/00329.ContractServices.TipSheet.pdf Best Practices In Loan Processing 96
Slide 98: Genworth Underwriting Guidelines
Genworth Underwriting Guidelines Best Practices In Loan Processing 97
Slide 99: Genworth Rate Express
Genworth Rate Express® Best Practices In Loan Processing 98
Slide 100: LOS Connections
LOS Connections Best Practices In Loan Processing 99
Slide 101: Training Tools and Information
Training Tools and Information Best Practices In Loan Processing 10 0
Slide 102: Training Tools and Information
Training Tools and Information Best Practices In Loan Processing 10 1
Slide 103: Additional MI Site Information
Additional MI Site Information Best Practices In Loan Processing 10 2
Slide 104: Your Genworth Resources
Your Genworth Resources ➢ ActionCenter®: 800 444.5664 ➢ Your Local Genworth Regional Underwriter ➢ Your Genworth Sales Representative Best Practices In Loan Processing 10 3
Slide 105: Legal Disclaimer
Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for accuracy, we also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our train
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