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New Mortgage Lending Guidelines
·        All Borrowers' Birth Certificates will be required with Pictures taken in the hospital with medical staff. Birth certificate with a live home delivery will not be eligible for first time home buyers.
·        Marriage certificate with wedding attire will be required if both borrowers are required to qualify for the loan
·        GFE will not require signature but will require blood sampling from a recognized institution within three days of application
·         DNA test will be performed at closing to avoid any non-arms length transactions. Loan funding will be contingent upon satisfactory receipt of DNA results.
·         Verification of deposit will be acceptable only if Bank representative is present at the closing.
·         Copy of Pay stubs and W2 will only be acceptable through IRS and only with a wax sealed envelope mailed directly to the lender.
·        7 Witnesses from neighborhood will be required as proof of primary residence in case Borrower owns more then 1 property.
·        All appraisers will be required to use Masks and ear plugs at the time ... more

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