{"id":11467,"date":"2021-08-25T14:20:59","date_gmt":"2021-08-25T14:20:59","guid":{"rendered":"https:\/\/chenoafund.org\/?p=11467"},"modified":"2026-03-17T14:37:08","modified_gmt":"2026-03-17T14:37:08","slug":"21-08-25-announcement-august-25-2021-program-guidelines-update","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/21-08-25-announcement-august-25-2021-program-guidelines-update\/","title":{"rendered":"Program Guidelines Update \u2013 August 25, 2021"},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\"><strong>08\/25\/21<\/strong><\/h2>\r\n\r\n\r\n\r\n<p><strong>All policy changes and updates are referenced below to the appropriate section of the CLG. These policy changes are effective 08\/25\/2021 unless otherwise noted.<\/strong><\/p>\r\n\r\n\r\n\r\n<p>To review the program guidelines changes made August 12, 2021, or earlier, please follow <a href=\"https:\/\/chenoafund.org\/lender\/archive-program-guidelines\/\">this link<\/a> to the archived Correspondent Lending Guides.<\/p>\r\n\r\n\r\n\r\n<p>These updates apply to everyone using the Chenoa Fund program\u2014correspondents and TPO.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p><strong>Update to Chenoa Fund\u2122 DPA for Fannie Mae\u2122 Conventional Loans<\/strong><\/p>\r\n\r\n\r\n\r\n<p>To-date, Chenoa Fund\u2019s down payment assistance for Fannie Mae\u2122 Standard Conventional (90\u201395% LTV) loans and Conventional 97 loans has been referred to as the \u201cConventional 97\u201d product. To clarify this product\u2019s use, and to alleviate correspondent confusion, this Chenoa Fund product has been renamed the Standard Conventional. The Guidelines have been clarified to reflect that this DPA product applies to both the Fannie Mae\u2122 Standard Conventional (90\u201395% LTV) loan type and the Conventional 97 loan type.<\/p>\r\n\r\n\r\n\r\n<p>This change affects the following sections:<\/p>\r\n\r\n\r\n\r\n<p>5.2 (Conventional Offerings):<\/p>\r\n\r\n\r\n\r\n<p>CBC Mortgage Agency offers down payment assistance for 90\u201397% LTV conventional mortgage financing under Fannie Mae\u2019s HomeReady<sup>\u00ae<\/sup> program for low- to moderate-income borrowers. For those borrowers who do not fit the HomeReady<sup>\u00ae<\/sup> criteria, CBC Mortgage Agency also offers down payment assistance for the Fannie Mae\u2122 Standard Conventional (90\u201395% LTV) and Conventional 97 programs.<\/p>\r\n\r\n\r\n\r\n<p>Chenoa Fund\u2122 down payment assistance is provided in the form of a second mortgage under Fannie Mae\u2122\u2019s Community Second<sup>\u00ae<\/sup> program for HomeReady<sup>\u00ae\ufe0f<\/sup>, Standard Conventional (90\u201395% LTV), and Conventional 97 loans. (The HomeReady<sup>\u00ae\ufe0f<\/sup> first mortgage is a registered trademark of Fannie Mae\u2122.) Conventional second mortgages may be 3% or 5% of the lower of the purchase price or appraised value, regardless of the actual minimum down payment required and regardless of which first mortgage the DPA is paired with. Chenoa Fund\u2122 down payment assistance may apply toward the down payment, closing costs, or prepaid items, or any combination of the three, regardless of the actual down payment amount required. The rate on the second mortgage is 2% higher than the rate on the first mortgage. The term is ten (10) years.<\/p>\r\n\r\n\r\n\r\n<p>Except for overlays noted under the <a href=\"https:\/\/chenoafund.org\/lender\/product-matrix\/\">Product Matrix<\/a> or within this Correspondent Lending Guide (CLG), adhere to <a href=\"https:\/\/www.fanniemae.com\/content\/guide\/selling\/b5\/6\/03.html\">Fannie Mae\u2019s Selling Guide<\/a> and all DU<sup>\u00ae<\/sup> findings for borrower underwriting and property eligibility requirements.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.4 (Product Comparisons):<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>All Conventional Programs<\/strong>\u2014Applicable to all 2<sup>nd<\/sup> mortgages paired with Fannie Mae\u2122 conventional mortgages (HomeReady<sup>\u00ae<\/sup>, Standard Conventional [90\u201395% LTV], and Conventional 97)<\/li>\r\n<li><strong>Standard Conventional<\/strong>\u2014Applicable to Chenoa Fund\u2019s 2<sup>nd<\/sup> mortgage that is attached to either a Standard Conventional (90\u201395% LTV) or Conventional 97 1<sup>st<\/sup> mortgage<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.5 (Program Notes and Disclaimers):<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: Neither CBCMA nor Chenoa Fund\u2122 and any of its products are approved by or affiliated with Fannie Mae\u2122. Originating lenders are responsible for ensuring that their use of CBCMA second mortgages and conventional first mortgages is compliant with Fannie Mae&#8217;s requirements (for the Standard Conventional [90\u201395% LTV] or Conventional 97 first mortgage, respectively). All other posted program notes or guidelines are overlays of CBC Mortgage Agency and Chenoa Fund\u2122.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.6 (Brief Description of DPA Product Types):<\/p>\r\n\r\n\r\n\r\n<p><em>All Conventional Programs<\/em>: Down payment assistance in the form of a 10-year fixed rate mortgage with an interest rate 2% higher than the first mortgage. Please refer to our <a href=\"https:\/\/chenoafund.org\/lender\/daily-rate-sheet-and-pricing\/\">daily rate sheet<\/a> for interest rates on FNMA first mortgages. Chenoa Fund\u2122 program overlays are not affiliated with Fannie Mae\u2122. Offers 3% or 5% assistance based on the lower of the sales price or appraised value.<\/p>\r\n\r\n\r\n\r\n<p>Down payment assistance product overlays for the HomeReady<sup>\u00ae\ufe0f<\/sup> first mortgage are referred to as \u201cHomeReady<sup>\u00ae\ufe0f<\/sup>\u201d in these guidelines. Down payment assistance overlays for both the Standard Conventional (90\u201395% LTV) and Conventional 97 first mortgages are referred to as \u201cStandard Conventional.\u201d<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.7 (Borrower Income Limits)<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: Per FNMA guidelines.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.20 (Homeownership Education):<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: CBCMA does not require homebuyer education on this second mortgage product. However, Fannie Mae\u2122 requires homebuyer education on most loans with an LTV of 95% or greater. Even though CBCMA may not require it, you will need to include the completion certificate demonstrating that at least one of your buyers completed an acceptable course if your AUS approval requires it.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.25 (Non-occupant Borrowers):<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: Not allowed.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.30 (Mortgage Insurance [MI] Coverage)<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: Per FNMA guidelines. The standard MI coverage requirement is 35% for LTV ratios of 95.01\u201397.00. Minimum MI coverage may be used, subject to LLPA for Minimum MI.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.33 (AUS):<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: DU<sup>\u00ae<\/sup>\/DO only.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>5.34.13 (Additional Properties Owned):<\/p>\r\n\r\n\r\n\r\n<p><em>Standard Conventional<\/em>: Not allowed.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p><strong>Other<\/strong> <strong>Updates<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Section 5.12 (Undisclosed Debt Monitoring and Soft-pull Credit Refreshes) had the following paragraph added to it:<\/p>\r\n\r\n\r\n\r\n<p><em>All Programs<\/em>: In community property states, a soft-pull credit refresh will be required for non-borrowing spouses with debt consideration.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>Section 5.38.2 (North Carolina) was updated to better reflect state law:<\/p>\r\n\r\n\r\n\r\n<p><em>All Programs<\/em>: In North Carolina, per state law, origination fees are capped at 1% for loans under $300,000. For loans equal to or above $300,000, lenders may exceed the 1.5% origination fee cap if there are no fees charged in the origination section of the CD (Section A) other than the origination fee. Loans must comply with QM guidelines (i.e. the 3% points and fees test).<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>Section 7.1.1 (Conventional First Mortgage Pre-Registration) has been updated to clarify that the Special Feature Codes will not be needed on standard Fannie Mae\u2122 financing (90\u201395% LTV):<\/p>\r\n\r\n\r\n\r\n<p>Under \u201cLoan Information,\u201d the following Special Feature Code codes should be entered: 127, 118. This does not apply to the Fannie Mae\u2122 Standard Conventional (90\u201395% LTV) first mortgage.<\/p>\r\n\r\n\r\n\r\n<p>At this time CBCMA is not approved for HFA products. We cannot accept loans with the special product code \u201cHFA Preferred.\u201d\u00a0 The down payment second mortgage should be run as a Community Second\u2122.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>It has been clarified that the life of loan flood certificate for each loan file must be ordered from ServiceLink or CoreLogic. A $5 fee to pull a flood cert will be assessed at the time of loan purchase if a flood certificate is not included in a file or if the flood cert is not from ServiceLink or CoreLogic. This affects the following sections:<\/p>\r\n\r\n\r\n\r\n<p>5.34.4 (Flood Certificate):<\/p>\r\n\r\n\r\n\r\n<p><em>All Programs<\/em>: Only a life of the loan flood certification from CoreLogic or ServiceLink is acceptable. If the correct flood certificate is not present in the loan file, a CoreLogic flood certificate will be ordered and a $5 fee will be assessed on the Purchase Advice.<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-white-color\">.<\/span><\/p>\r\n\r\n\r\n\r\n<p>7.22 (Documentation\u2014General Requirements):<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>A Life of Loan flood certificate\r\n<ul>\r\n<li>Life of the loan flood certificates must be provided by CoreLogic or ServiceLink<\/li>\r\n<li>If a life of the loan flood cert is not provided, or if the flood cert provided is not life of the loan, or if the flood cert provided comes from a vendor other than CoreLogic or ServiceLink, a $5 fee will be assessed at time of loan purchase and a qualifying flood cert will be ordered.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n","protected":false},"excerpt":{"rendered":"<p>08\/25\/21 All policy changes and updates are referenced below to the appropriate section of the CLG. These policy changes are effective 08\/25\/2021 unless otherwise noted&#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":[334],"class_list":{"0":"post-11467","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-updates-and-announcements","7":"tag-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 August 25, 2021 - CBC Mortgage Agency<\/title>\n<meta name=\"description\" content=\"Discover the latest updates to Chenoa Fund&#039;s program guidelines as of August 25, 2021, aimed at enhancing homeownership opportunities.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chenoafund.org\/21-08-25-announcement-august-25-2021-program-guidelines-update\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Program Guidelines Update \u2013 August 25, 2021 - 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