VA IRRRLS Stacking Order

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					CMG Mortgage Inc. 3160 Crow Canyon Road Suite #400 San Ramon CA 94583

VA Lender ID #906524 0000 8

VA IRRRLS STACKING ORDER:

   1. VA IRRR Worksheet, VA form 26-8923
   2. Initial URLA Form 1003 –Do not complete debts or assets sections;
      Complete employers section and no income stated;
   3. Initial VA Addendum form 26-1802a (page 1 and 2 of HUD/VA addn). Please
      complete form entirely and have both loan officer and borrower sign and
      date.
   4. VA Rate Reduction Comparison Letter
   5. VA Indebtedness letter VA form 26-8937
   6. Copy of Note from existing VA loan (no signature required)
   7. Current mortgage rating
   8. Credit Report
   9. Pay-off statement
   10.VA Case number
   11.Evidence of Valid SS# for all applicants
   12.Preliminary Report
   13.Drive-by Appraisal with 1004 MC to support up to 105% LTV
   14.Existing VA loan Guaranty Validation (obtain from VA VIP webLGY “Prior
      Loan Validation”)
   15.Disclosures:
      Mortgage Loan Origination Agreement
      VA Assumption Notice
      Nearest Living Relative Information (not living with veteran)
      Borrower’s certification and authorization
      Servicing transfer Disclosure
      Good Faith Estimate and Reg Z
      Credit Score Disclosure
      Alive and Well Statement (if applicable, when POA is issued on veteran’s
      behalf to sign closing documents.)
      Applicable State disclosures
      USA Patriotic Act Information Form
      4506-T fully completed and signed/dated by all borrowers

				
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