KFCU Submission-Docs

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					                                                                  WHOLESALE LENDING DIVISION
                                                 West Coast Operations Center: 2100 Park Place, El Segundo, CA 90245
                                              Midwest Operations Center: 6133 N. River Road, Ste. 400, Rosemont, IL 60018
   Check one:                    LOAN SUBMISSION ONLY                                          DOC ORDER                               LOAN SUBMISSION and DOC ORDER
Phone: (800) 854-4600          West: submissions@kinecta.org             Midwest: wholesalemidwest@kinecta.org      www.LoanKinection.com
        For instructions on how to upload your file to LoanKinection, please go to www.LoanKinection.com and download the User Guide.
                                                                         REQUIRED CONTACT INFORMATION
Company:                                                                                                                   Broker ID Code:
Loan Agent:                                                                  Phone:                                            Email:
Processor:                                                                   Phone:                                     FAX or Email:
AE Name:                                                                     Phone:                                            Email:
                                                                                 BORROWER INFORMATION
Name 1:                                                                                               Name 2:
Property Address:                                                                                                     Borrower Email:
                                                                                                                                               (Provide borrower consent for disclosures)
                                                                                     LOAN INFORMATION
Loan Amount:          $                                             Appraised Value:             S                                             LTV/CLTV:
Note Rate:                                                                 Date Locked:                                                        Float:            (Must indicate if applicable)
Loan Purpose:                    Purchase                      Rate/Term Refi                Cashout Refi                                                   Piggyback HELOC
Occupancy Type:                  Owner                         2nd Home/FPR                  2nd/Vacation                                                   Investment
Property Type:                   SFR                           Condo                         PUD                                                             Units
Impounds:                        Yes                           No                            Asset Utilization:                                              Yes            No
Please check:               POA?          Yes          No            Trust?          Yes            No
                            (POA, trust cert or holdback information is required upfront, prior to approval and docs.)
                                                                      PRODUCT AND DOCUMENTATION TYPE
 Check only one product:
Agency Fixed                   10 yr.                 15 yr.               20 yr.                25 yr.              30 yr.                                                         40 yr.
Agency ARM (LIBOR)             3/1                    5/1                  7/1                   10/1
Super Conf. Fixed              15 yr.                 30 yr.
Super Conf. ARM                5/1                    7/1                  10/1                                                                                                     Other:
Jumbo ARM           30 yr. Amortization:              3/1                  5/1                   7/1                 10/1
                    40 yr. Amortization (LTV less of 70% or max. qual. LTV):                     3/1                 5/1
Jumbo Fixed                    15 yr.                 30 yr.     Note: Jumbo Fixed is currently not available to VIP Brokers.
FHA Fixed                      15 yr.                 30 yr.     Asset Utilization ARM           5/1                 7/1                                                            10/1
I/O (Interest Only)            3/1                    5/1                  7/1
Piggyback HELOC                Fixed (30 yr.)         ARM (30 yr.)
HomePath ARM                   5/1                    7/1
HomePath Fixed                 10 yr.                 15 yr.               20 yr.                30 yr.              40 yr.
DU Refi Plus Fixed             10 yr.                 15 yr.               20 yr.                30 yr.              40 yr.
                                                                                 REQUIRED INFORMATION
Appraisal paid by:             Broker (Pass through only. Invoice required for reimbursement.)                                                              Borrower
Mortgage Insurance (if applicable):               Single Pay Upfront                    Split Pay                                                           Monthly
Purchases: Amount of Seller Credit        $                                                FIRST PAYMENT DATE:
NOTE: Failure to accurately disclose seller credits prior to docs could lead to delays.
Documents Delivery, Escrow Email or Pickup Information:

VESTING, COMMENTS & OTHER INSTRUCTIONS (Please attach vesting amendment with doc order:

LOAN ORIGINATOR COMPENSATION:                                       Borrower-Paid                              Lender-Paid                               Lender-Paid with Discount Points
       Lender-Paid Compensation Plan:                                                                                  (% and/or $)

                                                             ENTER ALL LOAN FEES FOR UPFRONT TIL AND DOCS
                                                SECTION A                                                                                               SECTION B
            Our (combined) Origination Charge                                               Block 1                     Required Services We Select                                    Block 3
Broker Points*                                                               % $                                 Credit Report (See below)                                   $
Broker Portion of YSP*                                                       %                                   Appraisal Fee (See below)
Broker Flat Fee*                                                                                                 Appraisal Field Review Fee
Other* (describe):                                                                                               Upfront Mortgage Insurance
Other* (describe):                                                                                               Other (describe):
Other* (describe):                                                                                               Tax Service (Please see Notice below)
Kinecta Processing Fee (See rate sheet)                                                                          Flood Cert                                                   $
TOTAL (must match GFE block 1)                                                     $                       -     TOTAL (must match GFE block 3)                              $                       -
Borrower's Credit (YSP) or Charge (points)                                                  Block 2              Lender's Title Ins., Escrow/Settlement Fee                            Block 4
YSP to Borrower                                                              %                                   Lender's Title
Credit for Closing Costs                                                     %                                   Escrow/Settlement
Charge: Discount Points (to Kinecta)*                                        %                                   Doc Prep
                                                                                                                 Sub Escrow
Notes for Box 2:                                                                                                 Wire Fee
1. GFE check box 1 does not apply to brokers                                                                     Notary
2. Mark GFE check box 2 or 3 (cannot be both)                                                                    Courier
3. Indicate "$0.00" credit (or charge) if it is a zero point loan (include your                                  Other (describe):
points in origination)                                                                                           Other (describe):
TOTAL (must match GFE block 2)                                                     $                       -     TOTAL (must match GFE block 4)                              $                       -
* TOTAL BROKER COMPENSATION                                                        $                       -         Attach paid invoice if reimbursement is required.
 IMPORTANT NOTICE: You are responsible for providing the initial GFE to the borrower within three business days of the application date. Your initial GFE will be the binding GFE. Kinecta will reject a
 loan submission if the GFE is incorrect. Once Kinecta has accepted a file, only Kinecta may issue a revised GFE.
 Tax Service Fee Schedule as of 11/01/11: Tier 1 Tax Service Fees (AL,AZ,AR,CA,CO,DE,DC,FL,ID,IN,KS,MD,MS,MT,NE,NV,NM,NC,ND,OK,OR,SC,SD,UT,VA,WA,WV,WY) $62 for all loans up to $499,999.99;
 $72 for all loans between $500,000.00 - $599,999.99; $81 for all loans between $600,000.00 - $699,999.99 + $10 for every $100,000 increase in loan amount to $999,999.99; $121 for loans that equal
 $1,000.000.00; $185 flat fee for loans >$1,000,000.00.
 Tier 2 tax Service (AK,CT,GA,GU,HI,IL,IA,KY,LA,MA,ME,MI,MN,MO,NH,NJ,NY,OH,PA,PR,RI,TN,TX,VT,VI,WI) $69 for all loans up to $499,999.99; $79 for all loans between $500,000.00 - $599,999.99; $88 for
 all loans between $600,000.00 - $699,999.99 + $10 for every $100,000 increase in loan amount to $999,999.99; $128 for loans that equal $1,000,000.00; $185 flat fee for loans > $1,000,000.00.

                    Authorized Broker Signature confirms agreement to the aforementioned and that fees are correct within tolerances:

Signature                                                                                                                           Date:                                              Rev.: 11/01/11

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