Please make note of the new fico adjustments for government loans, FHA, VA and RD loans; effective 8/30/2010.

This will affect new locks and relocks.

Fico 620-639 -1.00

Fico 640-659 -.500

Fico <620 requires exception for submission and will have price adjustments applied. Call Secondary for pricing on fico <620 fico.

Wendy Ann Joyce

Secondary Marketing

Gateway Mortgage Group

972-372-2619

Fax Fax #: 918.392.8379