How many times have you wanted to ask an underwriter a question?
Well, now you can! Today’s Rick’s Picks is a call-in show featuring a special guest.
Join us and learn about HARP, FHA Streamlines, and More!
Plus some hilarious outtakes…


The Title says it all, and this is BIG and NOW.

  • DU 9.0 – BIG Changes, most of them tighter
  • HARP – Light bulbs and Lightning bolts
  • USDA – Good news, clarified…

This will be 3 1/2 minutes well spent. Watch below!

In This BIG Episode:

  • USDA update: Warning!
  • Freddie HARP: Good and Bad
  • Fannie HARP: WAY Good!

The FINE Print: Not necessarily in that order. Presented in a crazy-fast format that’s chock full of info.  You’ve got to watch! Less than 3.5 minutes!



Three Really Big Deadline Items

  1. FHA Streamlines
  2. HARP Guideline Improvements
  3. Conventional 30 day lock pricing


Even I get surprised once in awhile. You’ll want to watch Rick’s Picks 9 and see the following:

  • HUGE MI News
  • More HUGE MI News
  • Big LTV News
  • humbling outtakes 🙂

PS – links I talk about in the video:


Constant changes in the market, as well as Program Criteria (i.e., USDA), have all driven us to “the edge” at one time or another. Am I Right?

In Rick’s Picks volume 8,

  • HUGE USDA News; prevent your borrowers from getting blindsided
  • Major last minute surprises: How to Insulate Yourself
  • Rick’s got more hysterics going on.
  • Even more fun in the outtakes. And all in ONLY about 5 minutes

Prevent yourself from going over the edge in this crazy market.  Watch This Video!

In Rick’s Picks 7:

  • Rick’s got some ideas up his sleeve for quicker file flow
  • Experience the Life Of A File, with your tour guide and our National Trainer, Charity Smith!
  • Meet folks from Crescent’s different departments
  • ROTFL – if you know what I mean; this one is funny!

In this Episode, Rick encounters Secret Agent-style danger as he encounters

  • FHA Streamline Refi Deadlines


  • The Mystery of LQI is revealed (You CAN Prevent Pre-Closing Nightmares)
  • 4506t TIPS: How to avoid delays due to transcripts

Episode 5 of Rick’s Picks includes:

  • Excellent initial training for you and your office on the FHA Streamline, including the Low MI option.
  • Some important HARP Refi improvements
  • See the folks who won the catered lunch for winning the Crescent Mortgage TV Show naming contest!

Two important Items NOT included in the video:

1)      HARP Refi’s must have a payoff in the file at time of submission or they will be held out of underwriting as “incomplete” until they do.

2)      ALL FHA STREAMLINES MUST MEET THE NET TANGIBLE BENEFIT requirement as outlined in Mortgagee Letter 2011-11 (Reduction in Term is NOT a Net Tangible Benefit per HUD, FYI)

Here’s the STREAMLINE COVER SHEET link referred to in the video: CLICK HERE

Invite your colleagues to pull up a chair and take 4 minutes of your time for some great info and some fun at Rick’s expense.  In this Episode:

  • Two Crescent Tools that will make your mortgage life easier (your processor will love you)
  • FNMA HARP Update (More improvements!)
  • More hilarious outtakes (by popular demand)


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