As we all know the guidelines in the mortgage industry are changing rapidly and we need to all stay on top of these changes as they can effect our closings and we don't want any surprises before closing or at the closing table. 

I think you will find these guidelines to your liking. With all the negative stuff in the mortgage market this should be something to lighten up your take. Keep in mind these guidelines may have changed since I have gotten them and are not guaranteed accurate.