Subject: Annual Mortgage Insurance Premium Changes and Guidance on Case Numbers and FHA Refi Transactions

Attachments: ML 2011-10.pdf; ML 2011-11.pdf

New changes forthcoming as well as Refinance Changes effective immediately.

Please review, and thank you for your business!

· ML 2011-10

· ML 2011-11

Kim Boren

National Underwriting Manager

Gateway Mortgage Group

14850 Quorum Dr. Ste. 450

Dallas, Tx. 75254

office: 972-908-3390 ext:102

fax# 918-392-8372

2/17/2011

"The Day is only as good as you make it"