ࡱ>  Root Entry ;0~ #__properties_version1.00E@__nameid_version1.0()#50~;0~__substg1.0_0E04001F* <L4  !"#$%&()*+,-./012356789:;E=>?@ABCDFGHIJKMNRoot Entry F<0~ #__properties_version1.00E@__nameid_version1.0()#50~;0~__substg1.0_0E04001F* <L4  !"#$%&()*+,-./012356789:;E=>?@ABCDFGHIJKMN__substg1.0_0E03001F*__substg1.0_0E02001F*__attach_version1.0_#00000000<r50~50~__substg1.0_001A001F* D__substg1.0_0037001F*Bh__substg1.0_004D001F* __substg1.0_0070001F* @h__substg1.0_00710102*?__substg1.0_300B0102*>__substg1.0_8006001F*__substg1.0_800A001F*=__substg1.0_800E001F*<__substg1.0_8015001F*__substg1.0_8018001F*;$__substg1.0_80190102* __substg1.0_801A0102*:__substg1.0_801B0102*^__substg1.0_003D001F*__substg1.0_1000001F*'__substg1.0_10090102* 4__substg1.0_3FFA001F*$__substg1.0_0E1D001F*h__properties_version1.00h__substg1.0_0FF90102*  !"#$%&'()*+,-./0123456789:ACFGHIJKLMNOPQRSTUqrstuvwxyz{|Net Tangible Benefit Streamline II - tip of the dayjerry.lair@gmos.us hF0W{KQ?SRQO}G!RQO28; cg3 ead.M416< na=P`gId 0 t=W'.Docu0/0G at2"M 2 14.>0Og 56I7.@01CC7E84.3pC87B?./8 BdCA)! .>!0!--[ !QD]><>y=> v\\:*0{bRevi:pl$(#au#VML)`} oG;HIwJ/K?I.speMN <)G#F [ Pf]F@+DFg20 D 9F>Qo:O$CO2`@ gsUAlwPNG/U*pV_Wk/URA/=4t&YCH~~^#Db/_ @<S&eMOpW^%&!b_TU/`Ri5gSOX`WS20|>C=pijgG5p+ k]mgT5pckMovXp5FWcpEnpOVpV@@kqAg q>b#&@ppIfXI`Is0t>PllvgIgnbpix ?P2#wxyhXPwaysShX `$p}lTexz}~'g2Not1`20LQFp=dT^2O^!r>EN-US7i‚nAp>X-NONE4nPm P~pb g9i0=G :w20!}4i— Q!rh1{q0f@%C1Pb!Л"X! kB vO#PSubv&#j4-sX`Fpav$1QpD}l9v@rJ$prm`pw1wX;. t=mvsJ1@ryIu[Ovr/ih[?S/efkqZAG" L2k kS%w!डUnW&nUd%tr PC` H@ay q1P1y%99!)Q:b267.0gsd $p0P0$׽@QHwN1R"r!ЂI/rb1_o/;2/?O;3?O_o;;oۏܟJ5ߏ;6;J8;P3QƔ9Т/;//;O/;o/;  /; /;/;/;/ /ƣc B/@ʏ˟̯+Bt=!/"?#NvP g1h 2()#N+$%&:Wp(./0234,| g567$O9: E0P݆@s=>/5oAOF( mxDEIJ} ~bKL*߿HNB-T0cQRiT/U?J.g`\DβXYZT]^_$u@_aZ8d/e?_$Kgh_[j/k?J=Moi߲0_vno6qr/s?tKv/w?1xyztRfu}o~6ρ߂|o߇tCm6(ߓG ]7[/?D,kfߡcO_0lf,_j/?G/?pGm0} {\*\_Pm,-241 _o[ǹ_ AcP0-cf9il_opПѯ{tw/|ۯܿoR㏏M_ϻ'RevD _V?WM3,7WMQuot5oWMI-?ω? ߍ_ ϑoϘ/?_o #$&'(*+ϻ?_./123ߴ567:;O?_ABo5NFG1IJ˯MON_OoQRTUV_XZo\_]o^`acdehi/ lm/n? op_qostuwxz|}O?O_/?O"o%)ߏ-O_o1_4L_o8ϝ= ߢ_/D_O_oHKE&_oOθ3} {\*\mlt@24Do/bȟɯʿf,oO/?r؏ٟگvy~/?O/?O_o/?O_ooߤ  _o/?5/!?"O#_S%&')*-.///1O2__45/6?ӟ8_9o:k-<=>@A/DE/F?oH_IoKLMOPojSTUWY?[/\?]O_o`bcdfgjOk_lo _no$r_souvwy{|O~?Oo #8G'ߌύn/?O}Oo37ߝ:?//GO_JNR//?Vo_ohO_o^Ï} {\*\, mltag24@af?/ďioЏџmӿp/?OuoxOo?O|o>_/?O_ofO_o,/O_oO  _ oCm߳O_o !#$%()կZ+-./0?1O3o45ҿ78:;^OcQFmat_ptru_Subt@le Empsab]2MeghI@m_@iojk}3mn/o?hi#Referv r?sOt^UvowpOqTyz?|t]?~xBooTi@σt^#/!iblgraqyt^dሿ`"TOC Heݏ/xpSi@ sx>ߏЕ_a!0C/* pD@CQs */C@f-_ЏC\ b0{e0ly:"A_1ico MS";PDno_@-1:01`6 4!f4XmsorcrA_@t:128g`sw6spP:vw`perg*nxpup:34238209 -95905a009270}#C_`ߡ_i` New onϬ/?O_o<-5Q10] 78񬑬!ǬϝTah@BO?/?OQ81/'`1M57!'`04@/\\@/__oʏ˟?O_ϝH```S`p:IcԤ1:/ſ놀Ґ@v_,rqFap.MPNl, jvhjr-uSn:qВ:yQaq`=`gp-bHott:.`0~10퍏P`:d0-q~zp۝e"h,"ssPf!qt7_` s:0r-Nlda:nksbHyp` e:999Ґ`:px9qPxpa0 g٠b fv#p / pl! _ O_:ppkoSa@ 1!7!5% `B_`aT C8ϝ/? OU#)E)*#$Aa)/*=$o%&@B`@?(o=*2o3qciir/rLMbaO/: qa0d;Cs\ `PݐlFO?VCI?KOL_6No^P`߯0RSpT_Uol-pyXWjY]O_boZ[\]cu8 7?5w7y_`|~bJ3d#1F497D뉣d`kdb>0p!aughpp=jOsAopslq0p?oq/e.WdS1j15a-@++Qs{-+,ࡏ- Po"0r"?ᵚ: F-->} {\*\htm.20 }$o٠ vat=""㐈 x26`/E/.} y>ҺGӢpҬY 0[L/B5<dyg=EN-US =rҠ#:P='-l#'c`\r3`F[96" ss=)p64pdwg8a =_MSO@ rbkmk{>BM_7O 1"䆋ŀ70C0A s` =>oJ@t`B0QtQ&nb ;9'agO/?O_o  /?O_o Ѱp52S%9&":b)':(o}('a(.hP[7&"%._b=!:6_6:$L!%O&_'o(H?*JH+012348 ĕ0p@0;UV@M>89Y?;<^u]PaZskA@t@]R~uvа``u0mWElBmgi0q!ub.MNcp)bqKOstpvd[\joze_foghi~/B_CoG_wxO?POQ_RoSTUVW|}/ߘ_߁oTmuP lplanా mnO`m 5r sal ! a.cla`a#, ǀl@@b٢?q`'l.̶E*93nOR14#m!q-0:o_o_ߎQ4mPCͧ =`ll!kŵs`dl@|0%a?ǣ1%3:00yf p1D#ʱ Y|Qnd@a\s?cߒ P*3irowʠrAaypqԆЯ148Á-0Ǥ1`n=l26.aOo`ر'C_`oϡߢ柳p65Ͻ/uo?߸ o +?/?O 1ر/ / ?O__oi?ۯܿˑo,/0A 5 p `2`QkѭPo3E &/Ilym8"Opl34nuMIP@ 0B/F/?O60_,-.NEOF_$%IJ˫P@2LUSoģR]PQ/R?_`12234 Unni5`>S45;UP&3n)h2d d?eO?nbUPanA?TOU_ruvHXJ/?O_o"Ώϟwoѿn/?OOo^_eacd?f23j5o򯫏x?yO?/O_o_oO_oos_/?O_G?z{}LMoɿ!oVϙO_'()*ӿO/>Ren" fm>A7dj=~dRatj!<(ARM)8aix8p8Pb<.?O_oo?O_o/??WYZ  ^?O_m  / ?_ "i"ki#O&5p:  /&.% 0??2_3o//5_',8'()*+_<="O=EXuF uPduӂp9p oJ, O1AKqitB lfLas ltlM~`ielЏt4CH83PDjAoL`wJ>ryhybB@AL`U``JlwVi`M TJ@a`J@WJGEQpK1l@?RS/Df@iWPU`shBdM1ffB0OOMUf?tu`i@YL\UXaMXLexl@gue/?6?7OQm?nO}~1τ/nόO_opx?͊: \qp>:O;_?O^OFߗ??@A/B?COToo_pooa?o?/O$myxJx{@z@Picf U`_x20_9zrcz@|pcḠ1.@f@CC7DAF.3617E0zz@tp://egs.0m`fo1s/A#"ɝ{chVdr0ad V`/𭿜&nb;'a@Ǐj/k?oҿrsto߰ٿψ =ώߏ_cy0Д_`4c_oݏ/?ϸFZ#RZ?O_O ?O_o/O__oOƏȯɿ&O*O+_O_o׏؟ٯ,?  5,-;O?O_o:7O8_9oF_NoNo/UOg@-YeQ ARM;/??@OA_Bo?OHIYKMNO/_o`Oa_bocqde?Wh?iOj_/?O_oRy`uip oqy ŏpo5 p 2}BP&Id MI8P (/new gub 0_{o)׏35ߙ?O_oߧ/?OÏOϷ߸ O/?O_/oƿyNApyryp:osvbe0PPPc2Q$fyC#m@BCD/N_EFSo [_R PQR/S?a_o(_)oOT/-ԏ՟֯np߿+s.//0?72O3_4o9:78O:e<=?@A/{UOOO_GHIJKLM?fc/d??]^yvO[tr-pWr:yf+0-ir$:3_oWXY;backgPuwkpD0Z[߬ϭ_`xOy_?ogh/iko"Oz-Ynp ARMϤ߿|oߺ_o_?O_oŏO~_o8/??OoͿ/?_oo?O/Z //^O?׏؟ٯڿno{'a 01Owq'po%s/t&a0v&&c1mn$2!xO*O+_!"~/o19/?_oo3*o<@B_oBLC_DoQO_oYQ N_OoPQ_?O_olm&'pRo+_dtuvwmy{pq,-/d01278569d;?o?zSEFGIJK/L?eOabOUVWXO\/]?^O__/oefghilwx!z#)be0yP$?%O&_()/?|_}o~1?O_ӯߋ?ܯ῕ϛ⟴/_dž|trލХy"f0-irð:4ϥ;badckouv`D0"/?߮_o ?϶߷ Hy7֐D/BFixksQod/?/? #̿2O_o׏؟՟֯2+/?O;?AOA%!"KB_CoP/XPM_NoOP^Ͽ%'()/*?bR@uPdŁ | 5QŁP9f:&bI20p MIP/mInaɏo˯,-./3/0167458c:?;O<_=o>yRDEFHIJ/K?dO`aOTUVWO[/\?]O^_/odefgh}yNxAĬkvw ynnoġsszqvbe0xPŲcπkQbuexixz{|}/34?O_үߊ?ۯ߯࿔Ϛ៳/_o_ϫ߬/?_ojk_onO/qrst w/?.5O_o֏ןԟկ"O/O+O/O0_1?/?:12vs6O7[tr--:pr=:yf -ir°x:5;HQFIay?#?_@o;backgIPupD0QKL/<=>SO_[WZ^rHny%0 D~pBAdju`ab`@cAod@A^iji/l_/XYdo_`abct_o6!&/'?$?%O?'o{)*+,-mn??O4/5?D7_8o9:/uqs?LNOOC/UVϯv?wOx_7yozNìnoAH ]_7koásϡk&g`ovc΀- e/(exi f/O|O}_~o7߀//?/_Oʟ//?/?O_o//??o/? Redugő @JQ5˟őPk&I`P MIPƯ?n/?O_s8/#O?oݏޟ߯?,01/?O_o2<3/4?A/I@_o>/??@OA_O  /OZ ?ObeY`]^Oa/?O9 o!"'(%&tO(S+,-/.?/OjCo}OO_56789:<?UQOR_KLh&O[tr-VgpÐU/aN/O2ߐg/h?/YO}~{|߀/?kO_/ߦߠ_oߧϨ/?O/ϸϹߺɿƿ?O__?O_oЏ/?O?oU/V84VWY?DThXk You!O? Om^HcSȠfaIEG0c?oo   / ??o)*Z- JohX!o".9"#%&'/(?.//?+o,-DEU_o3IeGeqway Mtg`rGr`p6?7O8_?@ABHIF/G?HO_`KLMN5P0ihcPO OpiksPXpqrQRSWXdqXZ[\/]?^Od?eOabc{|fghCi42015`.G3 nP@ HwP161monos_toOtuvxyz//}_~oGυߛIrvg,X 75038ώ?/?O_o_oߩߪO<a href="+ t0n5.j5@gmos.us";field"f@{HYPERLINK 3}}@rs \cf1\u5_ϳߴ?/?O_O?OǯO_O_o﫬?o^aO_oɯʿoݟ/_oWl0fc 9-908-33* ext11//?o?/?O_!`x#cP p-85$2 )?/8#?+/?O2+,7e/8%&'.//Be >/vv9?Ag% (5dy&7(@&}L Additional info on Net Tangible Benefit Reducing the term of the mortgage is not a net tangible benefit. The mortgagee must determine that there is a net tangible benefit to the mortgagor as a result of the streamline refinance transaction, with or without an appraisal.  Net tangible benefit is defined as: " A 5 percent reduction to the P&I of the mortgage payment plus the annual MIP, or " Refinancing from an Adjustable Rate Mortgage (ARM) to a fixed rate mortgage. Note: Reducing the term of the mortgage, in and of itself, is not a net tangible benefit. Also, when refinancing to a hybrid ARM, mortgagees must treat the new hybrid ARM as a fixed rate mortgage. The following table defines the permissible minimum thresholds in different refinance situations and outlines what is new and existing guidance. Tohttp://allregs.com/ao/images/gif1.gif Fixed Ratehttp://allregs.com/ao/images/gif1.gif One-Year ARMhttp://allregs.com/ao/images/gif1.gif Hybrid ARMhttp://allregs.com/ao/images/gif1.gif Fromhttp://allregs.com/ao/images/gif1.gif Fixed Ratehttp://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif New interest rate at least 2 percentage points below the current interest rate of the fixed rate mortgage (existing guidance)http://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif One-Year ARMhttp://allregs.com/ao/images/gif1.gif New interest rate no greater than 2 percentage points above the current interest rate of the ARM (existing guidance)http://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif New interest rate at least 2 percentage points below the current interest rate of the ARM (existing guidance)http://allregs.com/ao/images/gif1.gif Hybrid ARM During Fixed Periodhttp://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif New interest rate at least 2 percentage points below the current interest rate of the ARM (existing guidance)http://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif Hybrid ARM During Adjustable Periodhttp://allregs.com/ao/images/gif1.gif New interest rate no greater than 2 percentage points above the current interest rate of the Hybrid ARM (existing guidance)http://allregs.com/ao/images/gif1.gif Reduction of at least 5 percent of P&I and MIP (new guidance)http://allregs.com/ao/images/gif1.gif New interest rate at least 2 percentage points below the current interest rate of the Hybrid ARM (existing guidance)http://allregs.com/ao/images/gif1.gif Thank You! Neil Johnson Gateway Mortgage Group National TPO Operations Manager 4201 N. State Hwy 161 Irving, TX 75038 neil.johnson@gmos.us <mailto:neil.johnson@gmos.us> Office: 972-908-3390 ext. 118 fax# 918-858-8392 ent2="accent2" accent3="accent3" accent4="accent4" accent5="accent5" accent6="accent6" hlink="hlink" folHlink="folHlink"/>PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)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 =3N)cbJ uV4(Tn 7_?m-ٛ{UBwznʜ"Z xJZp; {/<P;,)''KQk5qpN8KGbe Sd̛\17 pa>SR! 3K4'+rzQ TTIIvt]Kc⫲K#v5+|D~O@%\w_nN[L9KqgVhn R!y+Un;*&/HrT >>\ t=.Tġ S; Z~!P9giCڧ!# B,;X=ۻ,I2UWV9$lk=Aj;{AP79|s*Y;̠[MCۿhf]o{oY=1kyVV5E8Vk+֜\80X4D)!!?*|fv u"xA@T_q64)kڬuV7 t '%;i9s9x,ڎ-45xd8?ǘd/Y|t &LILJ`& -Gt/PK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 0_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!0C)theme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] Daily Coord ReportIPM.Note14.0k.FL~!g_^K͵hspNet Tangible Benefit Streamline II - tip of the dayNet Tangible Benefit Streamline II - tip of the dayIPM.Note@0#50~@0#50~\Ngi 4ynev __substg1.0_0E270102*~`__substg1.0_3001001F*}__substg1.0_37010102* p'__substg1.0_37020102*__substg1.0_3703001F*"o__substg1.0_3704001F*n__substg1.0_3707001F*!$m__substg1.0_370E001F*l__substg1.0_3712001F*#k<__substg1.0_00020102* __substg1.0_00030102*%'__substg1.0_00040102*__substg1.0_101C0102*41j__substg1.0_10010102*&*i__substg1.0_100F0102*0+h__substg1.0_10150102*2(g__substg1.0_10050102*63f__substg1.0_10130102*<e__substg1.0_100B0102*d__substg1.0_10110102*c__substg1.0_100A0102*,7b__substg1.0_101E0102*a__substg1.0_10120102*/-`__substg1.0_10090102*___substg1.0_10180102*8:^__substg1.0_10020102*]__substg1.0_10030102*5;\__substg1.0_100C0102*.9[__substg1.0_10160102*Z__substg1.0_100E0102*Y__substg1.0_10190102*X__substg1.0_10040102*W__substg1.0_10140102*V #& ) +.67jMb cpjq    0?N?  i:           & :^=(  4?& j(…',$*&΅   T  )!#Å؅Rimage001.gif@01CC7DAF.3617CCE0image/gifimage001.gifimage001.gif.gifGIF89a!,@;image001.gif/0L]5D|(G !rs\D\Ngi7 7 4y I'`0@0@}@0@}7'77 7777>7  R#!) T    ؅&*$,'…Å΅ F F