FREQUENTLY ASKED QUESTIONS (FAQ)

When must property taxes be paid at closing?
Property taxes that are due within 30 days of closing must be paid at closing, regardless of impounds.

When are the property tax installments due?
Click here for specific due dates by state.

How many months of impounds do you collect?
It varies by state and county. It also depends on the closing date, first payment date, and the borrower's insurance premium due date. In general, a county with semi-annual tax installment due dates of November and February, with a closing date in January and a March 1st payment would require three months of impounds. However, other factors could vary the number of months required (e.g., a quicker first payment and/or hazard insurance premium due date).

How do I become an approved broker?
At Reunion Mortgage, we value relationships and want our broker partners to share in our success. If you're interested in becoming approved, we will connect you directly with one of our skilled and knowledgeable Account Executives to determine if a partnership makes sense. That way you won't waste time filling out forms if we aren't a good match for each other. Click here to have an Account Executive contact you.

How do I submit a loan?
All loans are uploaded and submitted online through Reunion Direct, our online loan management system. With Reunion Direct, you can view your real-time loan status and conditions 24/7, upload files quickly and easily, lock loans online, and print pre-approval certificates!

How does your paperless loan process work?
Reunion Mortgage offers FREE online tools and services that make your entire loan process as simple as point, click, submit, and fund! Our rate sheets and product guidelines are available on our website with no password required. Reunion Direct lets you manage your loans from the moment they lock, to the moment they fund.

What file formats can I upload?
Reunion Direct accepts FNMA files from the following Point of Sale (POS) systems: Fannie Mae DU, Calyx Point, Genesis and Contour. You can also upload a DO file.

Where do I send the supporting documents after I've uploaded a loan?
You can upload your documents right into Reunion Direct!

What are your lock desk hours?
Locks and requests are accepted between 8:30 am to 4:00 pm Pacific Time (11:30 am to 7:00 pm Eastern Time).

What are your underwriting turn times?
Contact your Account Executive for our current turn times.

How do I access your rates?
Click here to view Today's Rates, or fill out our Rate Sheet Request Form to have rate sheets emailed to you daily (scroll down on the page to see the form).

What products do you offer?
Reunion Mortgage offers a wide range of products, including Conforming, Jumbo, HomePath® Mortgage, FHA and VA products. Click here for more information about our products.

Do you do standalone seconds?
Not at this time.

Where are your branches located?
Our entire loan process is efficiently centralized at our Corporate Headquarters in California, and we have Account Executives nationwide. Please visit our Contact Us page for more information.

Which states are you licensed to do business in?
Reunion Mortgage is licensed to do business in 12 states. Click here for a list of our approved states.

How do you pay brokers?
Broker funds are sent to Title for disbursement at funding.