ࡱ>  Root EntrykC @$__properties_version1.00f __nameid_version1.0(%CDC__substg1.0_0E04001E*+4  !"#$%&'()*1,-./023567Root Entry F_C @$__properties_version1.00f __nameid_version1.0(%CDC__substg1.0_0E04001E*+4  !"#$%&'()*1,-./023567__substg1.0_0E03001E*__substg1.0_0E02001E* __substg1.0_001A001E*e__substg1.0_0037001E*d>__substg1.0_004D001E* __substg1.0_0070001E* c>__substg1.0_00710102*b__substg1.0_300B0102*a__substg1.0_8004001E*`__substg1.0_800D001E*__substg1.0_8014001E* __substg1.0_8019001E*___substg1.0_801A0102*. __substg1.0_801B0102*):__substg1.0_003D001E*__substg1.0_1000001E* __substg1.0_10090102* ~&__substg1.0_3FFA001E* __substg1.0_0E1D001E*>__substg1.0_00020102*   !"#$%&'(*+,-/0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^ghijklmnopqrstuvConversion of a Primary residence to a Rental - tip of the dayJerry LairGood Morning Today is Tuesday, January 24, 2012 All wholesale staff is available. Turn times are currently same day! If the loan is received by 11AM, an UW decision will Be issued before end of business the same day. Tip of the day ? Conversion of a Primary residence to a Rental Conventional - Qualify with current and proposed PITI or o Allow use of rentalz&LZFudQ rcpg932AChtml11bid0 ch set128PGoth sPV[wAG23sFG0 U4 ;255 `cP3 d36 4 r*\g19d < x:Hv="pn:hbes-m `sjo-m""]!o"/#9#`f e{&U$w$%'d $m'tp://(%.#.#/&db/04/,m #*w..w3.g/TR/REC-40">Í 3 0!Pead0}416< na=P`gId 0 t=W*.Docu012G at46"M# 4 0n2Og 789$ 10 x768<,I/EJF/G:/EbD [ @f]D@=? p(PL;3P@d~~QCdQ?R@=>IQRMappGAQ(#(QURCDC?p\^ ZT7ckMov{H`FG#axEnna@^VaxV@0^Ag q@0UC(paxa@IfXMLIce>f@_3gZIgnUix P4Sgj/[؁HwaysShHA `&nlTexk9mnZ5N`33`4`QFax@dTQROQAr>EN-US\slrAp>X-NONEtvrPm PnI!wy~Zy;i ?0tyq\Ex Op tR'axBakW7U K`aZ^}PgSAOP aUrkax50VtH;@^!W}h^Sj@07 ba&+g0Txbxax411nKGAiaxC(@jlB@p,ZUFELo`~tH]|H@rLec>?BCn9 qEF$AG@rRSTMVWXs`eYZT2_]^XEOabUcdCMiPiY6hi6jkln opr?sOt_n`bnw/x?6 yz{|v/~_o ngR}?o6ωߊoAϐߊϓ7UD&k`_\ߞlf&PY?O_cϤߩj?Og_} {h\*\g m&`&241 /UO_X AcI'P_o\ϻ_cOf`/?jO_otn͏Οϯquo׏xٯڿ/}O_G⏴Rev>poOQ |&O_1^Q Quot//o_Q I'P߀O菃~ϘR / ? O? or_/?ߟ ?!O"__$%(O)_?+,-y/01345O89;?/B_O_E>p/I_O_oŎϞϨ}@ {\*\Őmlt24?O>/?O\_o`Ɵǯȿʯ˿il?O_op֏ןsٿw/?O_o/oϩ/ߢ/ ? O_ o /hߴM_ o! #$&'(+,-./_23/4?d6?7O8_տ:;=>?/BC/_EOF_GoIJ/|*MNOQRTUW?Y/Z?o\_]o^`adef/hOi_olm/ oOp_qostuwy?{/|?}OoA@_o!.w/?-?_o14o8ѝϢAODoHK߱P//bڹ} {\*\%mltag24WϽ߾`/c?O_og͏Οjn?Or?v_?O_ ⯝߁/?O_&/?O_%/O_?/? _ o =-ϰ/?O_o!"oTj%&')+?-/.?/O1o2ϯ45689o_@AD_EoGHIKMNOP?QOSowTU18OX]IQ"FmatY0truYSubtle Emps[{\2Go_`aIgYc/d?eO3fghabReferokmnOOp/q?jkstunVxoyrMBooTc|}n(eiblgrak~yon^YT`OC Heӈ/ar0ScsFx>O@7aA!/* 0D|s */@f-YP\b{%ly:R` "ba Mr0h"&;noY-1z:4Бp6БQmso`2crYt:0fgP| icdro`nAp:v 0eߖA)kgnr0u|0:-L530?141$10V05O07 0!0A}ϖE/?O_o?74o0Р?O_@@qߩAPB0/:sw0so200l92ñ48 o/NH Z@wZ04QIЈ@c oY``iYNePRR?/lautow__oMSPGoJ,Ъд74P8̭128ͯο/ү79@㠤z1o2oo\\@?O_܏ݟޯ߿p| BlkO_ϟߔCCQ!p.MNBl, @pvrS-u: 4q@R:y / R[1 ggp-b0m:.Ð0r0:@d@-kz;C}C","ssfkqo?KpuࣰJAa:@nk`sHy ?$(E:99cZ2:0rkxP@# @ #%g KafvS00/0l1 _ C}h@ !?"O#Ppp$o%&'c5b5*+;!:5, _O;o{0)![ 2Ki2/?OOo"G?)#kpaC7:#V/| l9/+Q:oDEFkcii{/ckY/Z?=`Ƞ[]#@o@0MN9OP/l-|0/yS?R_e_TXW[w]OjoU_VoWX^pB:rLHr?utu/[/wo{Myz]π/~__#1Fp7Dce#dk2Chp6c?0pP1e35#-sfly0jiϐ?kX?A`WdS1011l8.5'q=oB!6R%:-->} {\*\h,tm62p ~?mςoboD&[6Pf]ߧ9x>o'/ v!t=v"*P"aqhPxS26 //ʿy｀zbpl0б˨ѿ Ӳ/+ҽ5&nb)@;6f3\'a0*9|&'(/)?*O+_,o-./012345HnI aoJ?  AM0JUWp#P=_>o?@ABCDEFGIJK/oL?MON_^Bs?Q]Щ۱ o bu nPPb9%/TUVWXYZ[]^_/i:;sEc8QYOC?iiԹ@=0_/9AXuw=1@@Pys?|P-1D~ $re>Kn!p꠮p?P G2v?voL"pOpckqmnqPcN2-.;01Po345789/:?;O<_=o>?YA{B^1,^aJ-!q~uoJ!qpqtgQ`LMZOPjORTUV/W?XOY_Zo[Ot_i/?jklmnopqrwߊOau?vO?]^__yz{}~/?fߟoϋߖϚߩ?O_oבAlL#_TKnPYou!/?߰_oﵯϓHE Si*I&ic?O_Ώ?OO_oݺNe JohLO_ԟկֿ/?I0Ga(pwa+Merp/O_oLa&TPO OI EM\Pf1rO_o ?/ ??B420cNfpS(p Hw+161 ?O_o+-,IdGPgFTX 75038!/"?#O$_%o&'()*2,-.01?/@?ABa he0f="+> t7n.j4@f \P.m";field6fK3\{HYPERLINK gHOI_Ja}}ұKrs5\cf1\spMI897a5o6789:;<=>UAB/C?DOSE_bdOfK`ce 9^-908-33iп ext 0114oWXYZ\]^/_?`Oa_bocdefxyÓx#im-85j 2no/p?qOr_sotuvwyς?jkTσO/?f|z/Lvϑgody7b}0 income to offset PITI only if borrower relocating to new geographic area due to employment or 30% equity is documented in the retained property. Rental Income must be documented with executed 12 month lease and canceled security deposit. Lease must be arms length tenant, not an interested party or family member of any person involved in the purchase transaction. o Reserves for conversion to Second Home: 6 months PITI required for both properties OR 2 months if 30% equity is documented o Reserves for conversion to an Investment Property: 6 months PITI is required for both properties OR no reserves if the borrower is relocating to a new geographic area and the property is rented OR 30% equity is documented in the retained property. FHA- Rental income, reduced by the appropriate vacancy factor as determined by the jurisdictional FHA HOC, may be considered in the underwriting analysis, under the following circumstances: o Borrower must be relocating with new employer or being transferred by the current employer to an area not within reasonable commuting distance. And o fully executed lease agreement of at least one year's duration after the loan is closed, and documentation of canceled security deposit and/or canceled first month's rent. And o borrower current residence has a loan]to]value ratio of 75% or less, as determined by a FNMA 2055 appraisal no more than six months old. VA - Qualify with current and proposed PITI or o Allow use of rental income to offset PITI. o Rental Income must be documented with executed 12 month lease and canceled security deposit or 1st month rent. o Lease must be arms length tenant, not an interested party or family member of any person involved in the purchase transaction. o 1 month reserve required on all mortgages. Thank You! Neil Johnson Gateway Mortgage Group National TPO Operations Manager 4201 N. State Hwy 161 Irving, TX 75038 neil.johnson@gatewayloan.com Office: 972-908-3390 ext. 118 fax# 918-858-8392 PK![Content_Types].xmlj0Eжr(΢Iw},-j4 wP-t#bΙ{UTU^hd}㨫)*1P' ^W0)T9<l#$yi};~@(Hu* Dנz/0ǰ $ X3aZ,D0j~3߶b~i>3\`?/[G\!-Rk.sԻ..a濭?PK!֧6 _rels/.relsj0 }Q%v/C/}(h"O = C?hv=Ʌ%[xp{۵_Pѣ<1H0ORBdJE4b$q_6LR7`0̞O,En7Lib/SeеPK!kytheme/theme/themeManager.xml M @}w7c(EbˮCAǠҟ7՛K Y, e.|,H,lxɴIsQ}#Ր ֵ+!,^$j=GW)E+& 8PK!Ptheme/theme/theme1.xmlYOo6w toc'vuر-MniP@I}úama[إ4:lЯGRX^6؊>$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3ڗP 1Pm \\9Mؓ2aD];Yt\[x]}Wr|]g- eW )6-rCSj id DЇAΜIqbJ#x꺃 6k#ASh&ʌt(Q%p%m&]caSl=X\P1Mh9MVdDAaVB[݈fJíP|8 քAV^f Hn- "d>znNJ ة>b&2vKyϼD:,AGm\nziÙ.uχYC6OMf3or$5NHT[XF64T,ќM0E)`#5XY`פ;%1U٥m;R>QD DcpU'&LE/pm%]8firS4d 7y\`JnίI R3U~7+׸#m qBiDi*L69mY&iHE=(K&N!V.KeLDĕ{D vEꦚdeNƟe(MN9ߜR6&3(a/DUz<{ˊYȳV)9Z[4^n5!J?Q3eBoCM m<.vpIYfZY_p[=al-Y}Nc͙ŋ4vfavl'SA8|*u{-ߟ0%M07%<ҍPK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 +_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!Ptheme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] Daily Coord Report12.0ciY_A0_ ڟ˓Hx/.B !9r$Q[)PConversion of a Primary residence to a Rental - tip of the dayConversion of a Primary residence to a Rental - tip of the dayIPM.Note@0*C@0*C:u__substg1.0_00030102*__substg1.0_00040102*__substg1.0_10010102*$__substg1.0_100A0102*.__substg1.0_10120102*__substg1.0_101E0102*__substg1.0_101D0102*#__substg1.0_100F0102*) __substg1.0_10110102*__substg1.0_10130102*,__substg1.0_10040102*__substg1.0_10150102*!-__substg1.0_10050102*'__substg1.0_100B0102*__substg1.0_10020102*__substg1.0_10030102*&"~__substg1.0_10160102*}__substg1.0_100E0102**|__substg1.0_100C0102*{__substg1.0_10190102*z__substg1.0_10140102*y__substg1.0_10180102*(+x__substg1.0_10090102*w;   #& ) +.67?Mb cp?q6    01?,?                 : =   ~&? ?&…'*,$) # Å  ! TRRT  #  ! )$,*'&…Å F F