Compatibility · Mortgage Lending
Secondary Marketing & Investor Relations
10 document types. Every file you add to this department is filed against one of them — that filing is what routes a question to the right document instead of searching a pile.
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Best efforts and mandatory delivery guides
A reference guide explaining how a lender commits loans for sale to investors, either best efforts or mandatory, and the rules for each.
What it’s used for
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Daily rate sheets
A daily price list showing the interest rates and pricing adjustments a lender offers on its mortgage loan programs.
What it’s used for
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Hedging and pipeline management procedures
A written procedure explaining how a lender hedges its locked loan pipeline against interest rate moves before loans are sold.
What it’s used for
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Investor delivery checklists
A step-by-step list of the documents and data required before a closed loan can be delivered and sold to an investor.
What it’s used for
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Investor guideline overlays
A written list of a lender's own credit and documentation rules that go beyond what its loan investors or agencies require.
What it’s used for
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Loan sale agreements
A contract between a mortgage lender and a buyer setting the terms for selling closed loans, either individually or in pools.
What it’s used for
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Lock desk policies
An internal rulebook for how a lender handles interest rate locks, from initial lock through delivery to the investor.
What it’s used for
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Lock extension and relock procedures
An internal procedure explaining how to extend an expiring rate lock or relock a loan after a lock expires, and what it costs.
What it’s used for
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Pricing adjustment tables
A grid of price add-ons and deductions applied to a base mortgage rate based on loan and borrower characteristics.
What it’s used for
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Repurchase request handling procedures
A written procedure for how a lender responds when an investor demands it buy back a loan it already sold.
What it’s used for
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