Reunion Mortgage, Inc. - Wholesale Services

General UW Guidelines Condo and PUD Guidelines Conforming Fixed and ARMs DU Refi Plus FHA Fixed and ARM HomePath Mortgage Jumbo Fixed and ARM VA Fixed

Reunion Direct P.U.P. - AUS Order Credit Request Appraisals

BROKER RESOURCES

BROKER APPROVAL	REUNION'S POLICIES	EDUCATION TOOLS	MARKETING TOOLS

Reunion Mortgage is committed to the wholesale industry, and to creating strong partnerships with our brokers. Approved brokers enjoy competitive pricing, excellent and responsive service, fast turn times, and simple online systems.

BROKER APPROVAL

Apply today!

- Broker Application Packet
- FHA Broker Approval Requirements
- VA Broker Approval Requirements
- Quality Control Questionnaire

Broker Compensation Options

Under Reunion's Borrower-Paid Plan, brokers disclose their compensation upfront to the borrower, and will be paid directly by the borrower at closing. Under Reunion's
Lender-Paid Plan, the Broker of Record pre-selects one of several compensation tiers from .125 to 3.500. Once the Broker pre-selects a compensation tier, that tier applies to all loans. The Broker can also pre-select a minimum dollar amount, a maximum dollar amount, and a flat fee that can be charged on top of the compensation tier. The Broker can change tiers either every two weeks with a minimum of two loans funded, or every 30 days with no minimum loans funded.

Regardless of the compensation tier that a Broker pre-selects under Reunion's
Lender-Paid Plan, originators can still fund loans any time under a Borrower-Paid Plan, as long as the compensation is disclosed upfront and the Broker pre-selected both plans. Note: The broker compensation rule does not apply to non-owner occupied properties.

- Broker Compensation FAQ
- Federal Reserve Board's Loan Originator Compensation Summary
- Mortgage Broker Compensation Agreement
- Sample Safe Harbor Form

Reunion's Policies

- Broker Compensation Policy
- Broker Lock Policy
- Broker Resubmission Policy
- Disaster Policy
- RESPA Policy and Procedures
- Tax Transcript Policy
- Texas Refinance Policy

State Licensing

Arizona	Arizona Exempt from licensing under Arizona Revised Statutes [6-942(A)(3)], complying to the State Banking Department
California	California Licensed by the Department of Real Estate; Real Estate Broker License #01290920
Colorado	Colorado Registered by the Colorado Division of Real Estate
Indiana	Indiana Indiana Department of Financial Institutions First Lien Mortgage Lending License #11372
Kentucky	Kentucky Licensed by the Department of Financial Institutions; Mortgage Loan Company License #MC73914
Minnesota	Minnesota Licensed by the Department of Commerce; Mortgage Originator license #20574529
Nevada	Nevada Exempt from licensing as provided by Nevada Revised Statutes §645B.017, regulated by the Division of Mortgage Lending of the Department of Business and Industry
Ohio	Ohio Ohio Mortgage Broker Act Mortgage Banker Exemption 850086.000
Oregon	Oregon Exempt from licensing under the Oregon Mortgage Lender Law, Oregon Statutes §59.840(5)(b)(H), complying to the Division of Finance and Corporate Securities of the Department of Consumer and Business Services
Texas	Texas 1st Lien - Exempt from licensing under the Mortgage Banker Registration Act (MBRA), Texas Financial Code, Annotated §157.004, administered by the Department of Savings and Mortgage Lending; Registered Mortgage Banker #44620. 2nd Lien - Exempt from licensing under the Secondary Mortgage Loan Act, Texas Financial Code Annotated §342.004(b), regulated by the Office of Consumer Credit Commissioner
Utah	Utah 1st Lien - Exempt from licensing under the Utah Residential Mortgage Practices Act (URMPA), Utah Code Annotated §61-2c-102(1)(ii)(C); according to the Division of Real Estate
Washington	Washington Licensed by the Department of Financial Institutions; Consumer Loan License #CL-3265

EDUCATION TOOLS

Calculators

- 2/1 Buy-Down Calculator
- Mortgage Calculator

Miscellaneous

- How to Calculate a Pre-Payment Penalty
- How to Do Business with Reunion Mortgage
- Lock Desk FAQ
- Mortgage Insurance Partners
- State Property Tax Schedule
- Verification of Employment (VOE) Requirements

RESPA Resources

Calyx Point Users: Be sure to update Point with Service Pack 7.2 SP1 before creating a 2010 GFE. HUD does not allow the borrower signature lines provided in earlier versions of Point GFEs. You can update from within Point by going to Help, scroll down to Check for Updates > Update Point.

- Completing a GFE for Reunion Mortgage
- Creating a GFE in Calyx Point for Reunion Mortgage
- Fee Sheet/GFE Calculator
- GFE FAQ
- HUD's RESPA Rules FAQs
- HUD's RESPA Website
- List of Possible Fees
- Regulation X / RESPA FAQ
- Sample GFEs
- Top 5 GFE Errors

Training Webinars

- MGIC Online Classes

MARKETING TOOLS

Marketing Flyers

Customize these PDF flyers with your own contact information and company logo! Just follow the instructions and ask your Account Executive if you need help.

- Instructions to Customize
- DU Refi Plus Flyer
- HomePath Mortgage Flyer
- Mortgage Options 7/1 Flyer
- Refinance Conventional to FHA Flyer
- VA Flyer

Marketing Letters

One-to-one marketing is the most effective way to get calls. Try to make the letter and envelope look like you've written them personally instead of mass-producing them, merge in the name and address, or use the same copy for email campaigns!

- Borrower Letter
- Realtor Letter
- Builder Letter