Docs & Tools

This section of BrokerUniverse features useful documents contributed by members of the community. We assume each item available here is either in the public domain or has been allowed by the copyright owner to be posted here. If you hold the copyright to one of these documents and object to it being posted here, please send an e-mail to webmaster@brokeruniverse.com to let us know. We will promptly remove the item in question.

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1003.pdf: The 1003 revised on 7/05 for use beginning 1/1/06.
1003i.pdf: The interactive 1003 revised on 7/05 for use beginning 1/1/06.
1003setuplist.doc: Check list for 1003 completion.
IRS 4506 form: Request for Copy or Transcript of Tax Form - revised 1/1/04, in Word format.
antifraudqc.doc: Anti Fraud Procedures Check List.
antifraudqc.htm: Anti Fraud Procedures Check List in html format.
appraisalexplanation.pdf: Understanding the appraisal process.
appraisalreviewchecklist.pdf: Appraisal review checklist in pdf format.
armhandbook.pdf: Consumer Handbook on Adjustable Mortgages from the Federal Thrift Board Office of Thrift Supervision.
aprbreakdown.pdf: OCC's publication on Truth in Lending regarding what is and is not a finance charge.
blended_apr.xls: The Mortgage Professor's Blended APR Spread Sheet.
blended_rate_enhanced: Blended Interest Rate of First and Second Mortgages Spread Sheet.
budgetworksheet.doc: A helpful budgeting tool to give to your clients. In Word format.
dualcompdisclosure.doc: Dual Compensation Disclosure Form.
EZblendedrateGeneric.xls: E-Z Blended Rate Form Excel Spreadsheet
FACTA.doc: FACTA disclosure sheet in Word format
FACTA.pdf: FACTA disclosure sheet as a pdf file
financing alternatives: Financing Alternatives in Excel format. (This spreadsheet will show borrowers/realtors different payments, with different programs. Suggested plans.) Some areas are write protected due to RESPA disclosure. You can download the format, and reset the values of the cells format to fit your wants and needs.
Form 1020 (s) from Fannie Mae: Borrower's Financial Statement - Spanish Version (Form 1020(S))
FSBO.doc: For Sale By Owner Marketing Tips.
genericstackingorder.doc: A generic stacking order form in Word for you to customize.
howcreditisevaluated.pdf: A basic list of some things that make up your credit score.
HUD Booklet on Buying and Financing a Home: This 28-page PDF booklet explains the home buying process to prospective homeowners.
impound_agreement.doc: Monthly Impound of Property Taxes and Homeowners Hazard Insurance in Monthly Mortgage Payment Agreement.
locknotification.doc: Loan Interest Rate Lock Notification Form.
marketing flyer one: The owners of THE CORNER SOURCE asks that if you circulate the "You Need To Know Your Credit Score" flyer that it remain unchanged.
marketing flyer two: Feel free to change this flyer. The writer suggests every six months and to make sure to include 2 business cards! Flyers are often tossed or misplaced. Business cards easily fit into wallets or on frig. doors.
Newbie Resource Guide Version 4.doc: New members of the Grapevine resource Guide.
mortgagetermsenglishtospanish .xls: Mortgage terms translated from English to Spanish in Excel.
nonexempttimesheet.doc: Editable Non-Exempt Time Sheet in Word.
optionarmworksheet.xls: Option Arm Worksheet in Excel.
Patriot Act Info Form.pdf: Patriot Act Information Form in pdf format.
Patriot Act Info Form.pdf: Patriot Act Information Form in pdf format.
Patriot Act Info Disclosure.pdf: Patriot Act Information Disclosure in pdf format.
qclist.doc: Quality Control Checklist.
ratelock1of2.doc: Rate Lock/Float Agreement/Authorization: 1 of 2.
ratelock2of2.doc: Rate Lock/Float Agreement/Authorization: 2 of 2.
realtybluebook.doc: Keystrokes for bluebook tables using the QUALIFIER PLUS® IIX calculator.
FNMA Self Employed income.doc: An explanation of the various types of self employment income along with an analysis worksheet in doc format.
FNMA Self Employed income.pdf: An explanation of the various types of self employment income along with an analysis worksheet in pdf format.
stateddisclosure.doc: Statement of Understanding (Stated Income Loan) Form.
subordinationagreement.doc: Subordination agreement.
tangiblebenefitcert.doc: Borrower's Certificate of Reasonable, Tangible Net Benefit.
VOE in Spanish: Spanish VOE in pdf format.
Weighted Interest Rate vs. MI Calculator: This calculator allows a broker to present the borrower with information that assists in selection of loan programs with and with out mortgage insurance. On one page it gives the borrower differences in actual payment, APR and equity build up for the term of the loan.
What not to do after applying for a loan: An MS Word list of things borrowers should avoid doing in the period between applying for and closing a loan.
whyuse.pdf: Why Use a Mortgage Broker?
workbook.doc: Training workbook for the QUALIFIER PLUS® IIX calculator.