Mortgage Underwriting Policy Manual

Mortgage Underwriting Policy Manual

Tasked by current legislation, agency guidelines or your corporate infrastructure to create your company's underwriting manual? Have you translated CFPB guidance for ATR and QMs into your underwriting standards? Don’t know how to get started? We do, with our Mortgage Underwriting Policy Manual. This complete, 112-page, turnkey template is delivered in an MS Word document and ready for personalization with your company's name and company-specific information.

Use this manual for your employees or external customers based on your business model. This manual includes sections on Ability To Repay, Qualified Mortgages, Appendix Q variances with employment, income and liability guidelines, as well as Conventional and Government Loans. Read below to learn about product benefits, the Table of Contents and take a peek at selected pages.

Request demo Download table of content & sample pages
Mortgage Underwriting Policy Manual
        • $825.00

Publishing Services

Publish your manual, including your company procedures, in AllRegs Online as an upgrade to your complete policy manual solution. Ask us how!

Would you pass a Policy Library Audit?

The experts with the AllRegs Professional Services Team offer a complete policy manual review. Our team will help you evaluate your current policies for compliance regulations set in place by federal agencies like the CFPB. You will receive a summary report of gaps and risk assessment in a format that encourages best practices and compliance with new and upcoming industry regulations. Don't wait for your audit, evaluate your policy library today!

What's Included:

There are 13 sections and over 100 pages in the AllRegs Mortgage Underwriting Policy Manual:

  • General Information
  • General Requirements
  • Fannie Mae Desktop Underwriter
  • Freddie Mac Loans Prospector
  • Conforming Conventional Loans
  • Appraisal Standards
  • Specific Property Types - Eligible Products
  • Non-conforming Conventional Loans
  • Government Loans
  • Interest Only Guidelines
  • New Construction
  • Relocation Guidelines
  • Monthly Savings Plan Feasibility Worksheet
Download table of content & sample pages

This manual was authored by the AllRegs Professional Services group. Our staff of industry experts creates training materials, policy manuals, guides, commentary, and other content as a part of our core products. Our expert authors are industry veterans and understand the mortgage business from origination to closing to the secondary market.

The plan features the following benefits:
  • Complete AllRegs' Mortgage Underwriting Policy Manual, saving you development time and resources
  • Applicable for employees or external customers based on your business model
  • Includes sections on Conventional and Government Loans
  • A 112-page plan template is delivered via email within one business day after purchase
  • Formatted in an editable MS Word document
  • Ability to personalize the plan or manual with your company brand by performing a simple find and replace function
  • Customizable by you, with your internal policies and procedures
  • Ability to add, delete and update your plan to suit the business model of your organization
  • Meet your regulatory or internal compliance requirements
  • Affordable one-time purchase fees

Why You Need It:

  • To manage and regulate your credit policies so that you can do business
  • To communicate to your employees and customers the requirements needed to do loans
  • Save your outsourcing dollars! When you put our Mortgage Underwriting Policy and Procedure Manual in place, you won't need to hire a Consulting, Quality Control or Law Firm to create your plan.
  • Reduce your internal resources' time allocation on creating policy and procedure manuals. You'll save time and staff efforts when you implement our Mortgage Underwriting Policy Manual, created based on industry best practices.

Even better, the following sections were improved as part of an annual revision (2/2015):

  • Section 1 Introduction - Added
  • Section 2 Accountability and Monitoring - Added
  • Section 3 Staffing and Training - Added 
  • Section 5 General Requirement - Revised
  • Section 6 Fannie Mae Desktop Underwriter© - Revised
  • Section 8 Conforming Conventional Loans - Revised
  • Section 11 Nonconforming Conventional Loans - Revised
  • Section 12 Relocation Guidelines - Revised

Fees and Fulfillment

  • The AllRegsMortgage UnderwritingPolicy Manual is available for a one-time fee of $825 for the standard manual.
    • For standard policy manuals, agreement to our License Agreement is required, and the template cannot be shared or sold.
    • After you place your order, you will receive the document via email within one business day.

For more information, call our sales and customer service department at (800) 848-4904 or email