{"id":10128,"date":"2021-01-04T15:54:25","date_gmt":"2021-01-04T15:54:25","guid":{"rendered":"https:\/\/chenoafund.org\/?p=10128"},"modified":"2026-03-17T14:33:40","modified_gmt":"2026-03-17T14:33:40","slug":"21-01-04-announcement-january-4-2021-program-guidelines-update","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/21-01-04-announcement-january-4-2021-program-guidelines-update\/","title":{"rendered":"Program Guidelines Update \u2013 January 4, 2021 | Chenoa Fund"},"content":{"rendered":"<h2><strong>01\/04\/2021<\/strong><\/h2>\n<p><strong>All policy changes and updates are referenced to the appropriate section below. These policy changes are effective 01\/04\/2021 unless otherwise noted.<\/strong><\/p>\n<p><strong>Additionally, CBCMA has compiled all of its announcements related to COVID-19 into one section immediately following the Recent Updates and Announcements section. To review the program guidelines changes made December 22, 2020, or earlier, please follow <\/strong><a href=\"https:\/\/chenoafund.org\/lender\/archive-program-guidelines\/\"><strong>this link<\/strong><\/a><strong> to the archived Program Guidelines.<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>Due to changing industry needs, we retired our FHA Classic product on October 1, 2020. CBCMA no longer accepts registrations for this program. The FHA Classic product has been removed from our Product Matrix and other informational materials. In addition, the Product Matrix has been reformatted to improve readability and information accessibility, along with the Manufactured Housing Matrix.<\/p>\n<p>The following document and file references have been updated in our guidelines and trainings:<\/p>\n<ul>\n<li>4506-T to <strong>4506-C<\/strong><\/li>\n<li>1003 to <strong>URLA<\/strong><\/li>\n<li>92900-A to <strong>92900-A\/Addendum<\/strong><\/li>\n<li>FNMA 3.2 to <strong>MISMO 3.4<\/strong><\/li>\n<\/ul>\n<p>CBC Mortgage Agency is transitioning to using these documents and files in preparation for FHA and FNMA guidelines requiring these documents and files on March 31<sup>st<\/sup>, 2021. Until then, we will still accept the old documents and files.<\/p>\n<p>Section <strong>5.17<\/strong> (Present Housing Expense &amp; Verification of Housing Payment) has received a new paragraph, which will be its fourth paragraph:<\/p>\n<p>Borrowers in the 620\u2013659 FICO range and making a housing payment may have a housing gap of up to ninety (90) calendar days before closing. A letter of explanation will be required to explain the housing gap if it is larger than thirty (30) calendar days. For example, a borrower may have left a previous rental agreement and then lived rent-free with family in preparation for closing on a new home.<\/p>\n<p>We would like to remind our correspondents that trailing documents need to be sent to the following address:<\/p>\n<p><strong>\u00a0 \u00a0CBC Mortgage Agency<\/strong><\/p>\n<p>C\/O DocProbe<\/p>\n<p>1820 Swarthmore Avenue<\/p>\n<p>P.O. Box 2133<\/p>\n<p>Lakewood, NJ 08701<\/p>\n<p>We would also like to remind our correspondents that, if a borrower or seller is using a power of attorney (POA), a copy of the POA must be included with the closing package (section <strong>8.5<\/strong>).<\/p>\n<p>In December 2020, we released a large update with regards to servicing (and flood certificates). This update has been included again here as a reminder that, no later than January 31<sup>st<\/sup>, 2020, all correspondents need to be fully meeting these new guidelines.<\/p>\n<p><strong>Please Note<\/strong>:\u00a0The\u00a0changes below do not impact your MERS or FHA case number transfers.\u00a0MINs (both TOS and TOB) for both the first and second mortgages should still be transferred to CBC Mortgage Agency (section 10.2). Do not add a sub-servicer to the loan record within MERS. Please transfer holder and servicing rights to CBC Mortgage Agency in FHA Connection (section 10.3.1).\u00a0CBCMA will update the servicing rights once we receive the case transfer.<\/p>\n<p>In addition, the forgivable second\u00a0mortgage servicing information is not changing. The below changes only impact both First and Second Mortgage Servicing (repayable seconds only).<\/p>\n<p><strong>The December 2020 Servicing Announcement<\/strong><\/p>\n<p>In an effort to simplify the servicing process for borrowers, CBC Mortgage Agency (CBCMA) has contracted with a Servicer to service loans sold\/delivered to CBCMA going forward. On first mortgages, this servicer will assume the servicing burden the moment a loan is sold to CBCMA so that borrowers do not experience two servicing transfers within a short period of receiving their loan. Upon implementation, transfer of the first mortgage servicing will happen only once, when CBCMA purchases the loan.<\/p>\n<p>Second mortgages follow a slightly different process than do first mortgages since they are owned by CBCMA the moment they are created (the correspondent advances funds on behalf of CBCMA, the government entity, at closing).\u00a0Second mortgages drawn through CBCMA\u2019s document service, provided free to correspondents, will show the servicing address as the contracted Servicer.\u00a0Documents prepared by any other provider can either incorporate CBCMA\u2019s Servicer when the documents are prepared, or the servicing on the second can be transferred to Essex Mortgage\u00a0when CBCMA reimburses the correspondent for the funds advanced to the borrower on behalf of CBCMA at closing.\u00a0<strong>Do not add Essex as a sub-servicer in MERS.<\/strong><\/p>\n<p>Beginning as soon as possible, but <strong>no later than January 31, 2021<\/strong>, please update your goodbye letter to transfer servicing rights to our contracted Servicer when a loan is purchased\/reimbursed by CBCMA.<\/p>\n<p><strong>These updates have changed many sections of our program guidelines.<\/strong> In an effort to be thorough and comprehensive, here are all the changes made (in detail):<\/p>\n<p><strong>5.34.4<\/strong> (Flood Certificates):<\/p>\n<p><em>All Programs<\/em>: Any flood certification from a valid vendor is acceptable as long as the flood certification in the file matches the appraiser\u2019s flood information; this must include a life of loan certification. If there is a discrepancy between the two, CBCMA will pull a CoreLogic flood certificate and bill the correspondent the $15 fee on the Purchase Agreement.<\/p>\n<p><em>All FHA Programs<\/em>: Please note that a property is not eligible for FHA insurance if a residential building and related improvements to the property are located within SFHA Zone A (a Special Flood Zone Area) of Zone V (a coastal area) and insurance under the National Flood Insurance Program (NFIP) is not available in the community.<\/p>\n<p>A property is not eligible for FHA insurance if the improvements are or are proposed to be located within a Coastal Barrier Resource System (CBRS).<\/p>\n<p>For more information, please refer to <a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/4000.1hsgh.pdf\">FHA 4000.1<\/a>.<\/p>\n<p><em>First Mortgage<\/em>: Flood certifications must be from CoreLogic or Service Link; this must include a life of loan certification. If the correct flood certificate is not present, CBCMA will pull a CoreLogic flood certificate and bill the correspondent the $15 fee on the Purchase Agreement.<\/p>\n<p><strong>7.22<\/strong> (Documentation\u2014General Requirements): A bullet point in the original section was altered.<\/p>\n<ul>\n<li>Life of Loan flood certificate\n<ul>\n<li>In some cases we will require the originator to transfer this certificate; if required, this will be found in the due diligence conditions prior to purchase<\/li>\n<li>Second mortgage flood certificates may be from any valid vendor<\/li>\n<li>First mortgage flood certificates must be from CoreLogic or Service Link<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>10.2<\/strong> (Mortgage Electronic Registration Systems [MERS]): The MERS ORG ID number was incorrectly changed in a previous announcement and has been restored to the original number (1012881).<\/p>\n<p><strong>11.4.1<\/strong> (Loan Package Contents and Delivery): Information about the \u201cGoodbye Letter\u201d has been updated for the first mortgage, the repayable second mortgage, and the forgivable second mortgage. The section in its entirety:<\/p>\n<p>In order to confirm an accurate notice of transfer of servicing, a \u201cGoodbye Letter,\u201d CBCMA requires a sample copy of the notice of transfer of servicing to be included in the loan package at time of delivery. This applies to all first mortgages.<\/p>\n<p>The information of CBC Mortgage Agency\u2019s contract Servicer (address, contact information, etc.) to be used for the notice of transfer of servicing, the \u201cGoodbye Letter\u201d for the first mortgage, may be found in sections <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.susjmywephut\">12.3.3<\/a> (1st Mortgage Contract Servicer General Contact Information), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.fndlh8o6wjw2\">12.3.4<\/a> (1st Mortgage Contract Servicer General Mailing Address), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.3zoxxosuc59w\">12.5.1<\/a> (1st Mortgage Payment Address), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.dm0o6n8e0gzt\">12.5.2<\/a> (First Mortgage Overnight Delivery), and <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.1eq8wb6503hk\">12.7.1<\/a> (First Mortgages [Qualified Written Requests]). The general mailing address is included below:<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>PO Box 100077<\/p>\n<p>Duluth, GA 30096<\/p>\n<p>The primary, toll free customer service number is (855) 748-2722. Hours are Monday through Friday, 8:30am\u20135:00pm PT. Payments may also be made online at <a href=\"https:\/\/www.essexmortgage.com\/MyAccount\">https:\/\/www.essexmortgage.com\/MyAccount<\/a>.<\/p>\n<p>The information of CBC Mortgage Agency\u2019s contract Servicer (address, contact information, etc.) to be used for the notice of transfer of servicing, the \u201cGoodbye Letter\u201d for the second mortgage (repayable seconds only), may be found in sections <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.mpx49py1hfif\">12.3.5<\/a> (Repayable 2nd Mortgage Contract Servicer General Contact Information), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.g2iqhtuqy93r\">12.3.6<\/a> (Repayable 2nd Mortgage Contract Servicer General Mailing Address), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.h6579agk5jro\">12.5.3<\/a> (Repayable 2nd Mortgage Payment Address), <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.3dnovaqck3gp\">12.5.5<\/a> (Overnight Deliveries 2nd Mortgages), and <a href=\"https:\/\/docs.google.com\/document\/d\/1XTSfzvMJbpCn0QbGFHfJkzYSkx4ez8oWTeZ4tzRiPy0\/edit#heading=h.30oj2tyeellp\">12.7.2<\/a> (Second Mortgages [Repayable] [Qualified Written Requests]). The general mailing address is included below:<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Cashiering<\/strong><\/p>\n<p>2100 SE 17th Street #112<\/p>\n<p>Ocala, FL 34471<\/p>\n<p>The primary, toll free customer service number is (888) 892-0881. Hours are Monday through Friday, 8:30am\u20135:00pm PT. Payments may also be made online at <a href=\"https:\/\/www.essexmortgage.com\/MyAccount\">https:\/\/www.essexmortgage.com\/MyAccount<\/a>.<\/p>\n<p>CBC Mortgage Agency\u2019s address and contact information to be used for the notice of transfer of servicing, the \u201cGoodbye Letter\u201d for the second mortgage (forgivable seconds only), is as follows:<\/p>\n<p><strong>\u00a0 \u00a0CBC Mortgage Agency<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>912 W Baxter Drive, #150<\/p>\n<p>South Jordan, UT 84095<\/p>\n<p>The primary, toll free customer service number is (866) 563-3507. Hours are Monday through Friday, 8:00am\u20135:00pm MST. Payments do not apply for forgivable seconds.<\/p>\n<p><strong>12.2<\/strong> (CBCMA Codes): The MERS ORG ID number was incorrectly changed in a previous update and has been restored to its original number; the new HUD Servicer ID has remained. In addition, instructions have been added to ensure correct use of these codes.<\/p>\n<ul>\n<li>MERS ID: 1014821 (for TOS and TOB transfers on 1st and 2nd Mortgages in MERS)<\/li>\n<li>FHA ID: 9413-00000-8 (for transfer of Beneficiary rights in FHA Connection)<\/li>\n<li>NMLS ID: 1186381<\/li>\n<li>HUD Servicer ID: 00772-000-4 (for transfer of Servicing rights in FHA Connection)<\/li>\n<li>CBCMA EIN: 46-2780478<\/li>\n<\/ul>\n<p><strong>12.3<\/strong> (Contact Information): This section has been updated with contract Servicer information, which created four new sections: 12.3.3 (1<sup>st<\/sup> Mortgage Contract Servicer General Contact Information), 12.3.4 (1<sup>st<\/sup> Mortgage Contract Servicer General Mailing Address), 12.3.5 (Repayable 2<sup>nd<\/sup> Mortgage Contract Servicer General Contact Information), 12.3.6 (Repayable 2<sup>nd<\/sup> Mortgage Contract Servicer General Mailing Address).<\/p>\n<p><em>12.3.3<\/em> (1st Mortgage Contract Servicer General Contact Information)<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>Website: <a href=\"https:\/\/www.essexmortgage.com\/MyAccount\">https:\/\/www.essexmortgage.com\/MyAccount<\/a><\/p>\n<p>Email: <a href=\"mailto:support@myessexmortgage.com\">support@myessexmortgage.com<\/a><\/p>\n<p>Toll Free Numbers:<\/p>\n<p>Customer Service: 855-748-2722<\/p>\n<p>Collections\/Payment Assistance: 855-775-2931<\/p>\n<p>Loss Mitigation or SPOC: 855-766-6540<\/p>\n<p>Foreclosure Team: 855-781-3901<\/p>\n<p>Property Tax Team: 833-662-0238<\/p>\n<p>Property Tax Fax Number: 817-310-7507<\/p>\n<p>Insurance Team: 833-811-3064<\/p>\n<p><em>12.3.4<\/em> (1st Mortgage Contract Servicer General Mailing Address)<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>P.O. Box 100077<\/p>\n<p>Duluth, GA 30096<\/p>\n<p><em>12.3.5<\/em> (Repayable 2nd Mortgage Contract Servicer General Contact Information)<\/p>\n<p><strong>Essex Mortgage<\/strong><\/p>\n<p>Website: <a href=\"https:\/\/www.essexmortgage.com\/MyAccount\">https:\/\/www.essexmortgage.com\/MyAccount<\/a><\/p>\n<p>Email Address: <a href=\"mailto:loanservicing@essexmortgage.com\">loanservicing@essexmortgage.com<\/a><\/p>\n<p>General Contact Number: 888-892-0881<\/p>\n<p><em>12.3.6<\/em> (Repayable 2nd Mortgage Contract Servicer General Mailing Address)<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Cashiering<\/strong><\/p>\n<p>2100 SE 17th Street #112<\/p>\n<p>Ocala, FL 34471<\/p>\n<p><strong>12.4.3<\/strong> (Mortgagee Clause): The mortgagee clause for first and second mortgages (repayable and forgivable) has been updated.<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>PO Box 29411<\/p>\n<p>Phoenix, AZ 85038-9411<\/p>\n<p><strong>12.5<\/strong> (Borrower Payment Addresses): This section has been updated with Contract Servicer information: 12.5.1 (1<sup>st<\/sup> Mortgage Payment Address), 12.5.2 (1<sup>st<\/sup> Mortgage Overnight Delivery), 12.5.3 (Repayable 2<sup>nd<\/sup> Mortgage Payment Address), 12.5.5 (Overnight Deliveries 2<sup>nd<\/sup> Mortgage). Section 12.5.4 (Forgivable 2<sup>nd<\/sup> Mortgage Payment Address) is included for consistency, though its content has not changed.<\/p>\n<p><em>12.5.1<\/em> (1<sup>st<\/sup> Mortgage Payment Address)<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>PO Box 105178<\/p>\n<p>Atlanta, GA 30348-5178<\/p>\n<p><em>12.5.2<\/em> (1st Mortgage Overnight Delivery)<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Lockbox 105178 Services &#8211; Essex<\/strong><\/p>\n<p>3585 Atlanta Avenue<\/p>\n<p>Hapeville, GA 30354-1705<\/p>\n<p><em>12.5.3<\/em> (Repayable 2<sup>nd<\/sup> Mortgage Payment Address)<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Cashiering<\/strong><\/p>\n<p>2100 SE 17th Street #112<\/p>\n<p>Ocala, FL 34471<\/p>\n<p><em>12.5.4<\/em> (Forgivable 2<sup>nd<\/sup> Mortgage Payment Address)<\/p>\n<p><strong>\u00a0 \u00a0CBC Mortgage Agency<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>912 W Baxter Drive, #150<\/p>\n<p>South Jordan, UT 84095<\/p>\n<p><em>12.5.5<\/em> (Overnight Deliveries 2<sup>nd<\/sup> Mortgages)<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Cashiering<\/strong><\/p>\n<p>2100 SE 17th Street #112<\/p>\n<p>Ocala, FL 34471<\/p>\n<p><strong>12.6<\/strong> (Wiring Instructions [First Mortgages]): This is a new section with information regarding wiring.<\/p>\n<p><em>12.6.1<\/em> (Forwarded Payments\u2014Payment Clearing)<\/p>\n<p><strong>\u00a0 \u00a0Beneficiary Name: ServiceMac, LLC Bank<\/strong><\/p>\n<p>Name: Wells Fargo<\/p>\n<p>City, State: Atlanta, GA<\/p>\n<p>Beneficiary Account #: 4728377680<\/p>\n<p>ABA Routing #: 121000248<\/p>\n<p>ATTN: Reference to transaction, Company Name or loan number<\/p>\n<p><em>12.6.2<\/em> (Forwarded Payoffs\u2014Payoff Clearing Beneficiary)<\/p>\n<p><strong>\u00a0 \u00a0Name: ServiceMac, LLC<\/strong><\/p>\n<p>Bank Name: Wells Fargo<\/p>\n<p>City, State: Atlanta, GA<\/p>\n<p>Beneficiary Account #: 4749659454<\/p>\n<p>ABA Routing #: 121000248<\/p>\n<p>ATTN: Reference loan number(s)<\/p>\n<p><strong>12.7<\/strong> (Qualified Written Requests): This is a new section with information regarding qualified written requests for both first and second (repayable) mortgages.<\/p>\n<p><em>12.7.1<\/em> (First Mortgages)<\/p>\n<p>Qualified Written Requests (QWRs) are required to be submitted to the address listed below. When Essex Mortgage is in receipt of a Qualified Written Request (as defined by RESPA), an acknowledgment notice is sent within five (5) business days.\u00a0 We will respond to you within thirty (30) business days of receipt of your written notice, unless otherwise defined by RESPA guidelines.<\/p>\n<p><strong>\u00a0 \u00a0Essex Mortgage<\/strong><\/p>\n<p>ISAOA\/ATIMA<\/p>\n<p>PO Box 100078<\/p>\n<p>Duluth, GA 30096<\/p>\n<p><em>12.7.2<\/em> (Second Mortgages [Repayable])<\/p>\n<p>Qualified Written Requests (QWRs) are required to be submitted to the address listed below. When Essex Mortgage is in receipt of a Qualified Written Request (as defined by RESPA), an acknowledgment notice is sent within five (5) business days.\u00a0 We will respond to you within thirty (30) business days of receipt of your written notice, unless otherwise defined by RESPA guidelines.<\/p>\n<p><strong>\u00a0 \u00a0ATTN: Customer Care<\/strong><\/p>\n<p>2100 SE 17th Street #112<\/p>\n<p>Ocala, FL 34471<\/p>\n","protected":false},"excerpt":{"rendered":"<p>01\/04\/2021 All policy changes and updates are referenced to the appropriate section below. These policy changes are effective 01\/04\/2021 unless otherwise noted. Additionally, CBCMA has&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[104],"tags":[433],"class_list":{"0":"post-10128","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-updates-and-announcements","7":"tag-chenoa-fund-program-guidelines"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Program Guidelines Update \u2013 January 4, 2021 | Chenoa Fund - CBC Mortgage Agency<\/title>\n<meta name=\"description\" content=\"Discover the latest updates to the Chenoa Fund program guidelines in our January 4, 2021 announcement. 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