Servicing Guide

Published October 14, 2020

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SMDU™ UI User Guide 7.39 October 2020 (Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Borrower and Bankruptc

See below for sub-topic: Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Borrower and Bankruptcy detail  

To see other sub-topics for Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review, please click on any of the topics below:

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Overview

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Property and Origination details

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review-Delinquency & Foreclosure, Insurance & Escrow and Hardship

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review-Litigation and Non-Delegated Manual Case Submission

 

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Borrower and Bankruptcy detail

Click here to access the interactive Create Manual Submission eLearning module

Borrowers

Bankruptcy

G. From the left-hand navigation bar select the Borrowers link.    

1. Select “Yes” or “No” to indicate whether or not the borrower submitted a complete Borrower Response Package (BRP) before the 90th day of delinquency

2. Enter borrower’s “Representative Credit Score

3. Select “Yes” or “No” to indicate whether or not the borrower currently occupies property as their primary residence

4. To add an additional borrower click the “+Add Borrower” link and then enter all details for each additional borrower by following steps 2 and 3 noted above

  • Note:  Each borrower is designated with a different color for servicer identification purposes.
  • Note:  You can delete a borrower.  If you delete Borrower One, then Borrower Two becomes Borrower One.
  • Note:  You can enter up to six borrowers.
  • Note:   When submitting a manual submission, you do not need to complete the Assets, Income and Expenses sections since the data is collected in standalone fields below these sections.

5. In lieu of completing Income, enter one lump sum amount for borrower(s)’ total monthly household income in the “Total Monthly Income” field

6. Select either “Gross” or “Net” from the “Total Monthly Income Type” drop-down box

7. In lieu of completing Expenses, enter one lump sum amount for all borrower(s)’ total monthly expenses in the “Total Monthly Expenses” field

8. Enter household’s “Borrower Automobile Count

9. Enter borrower(s)’ “Household Population Count

H. If applicable, from the left-hand navigation bar select the Bankruptcy link

1. Select “+Add Bankruptcy

2. Enter the bankruptcy “Filing Date” by entering the date (MM/DD/YYYY) or selecting the date by clicking on the calendar icon.

Note:  This cannot be a future date.

3. Select the bankruptcy “Type Filed” from the drop-down box.

4. Select the current bankruptcy “Status” from the drop-down box.

5.  If you indicate a bankruptcy has previously been submitted and for the “Type File” field you selected “Chapter 7” and the “Status” type is “Discharged” then for “If a discharged Chapter 7 bankruptcy, did the borrower subsequently reaffirm the mortgage loan?” select “Yes” or “No” from the drop-down box.

6. If you inadvertently add a bankruptcy and need to remove, select the “Delete” link by the applicable row to remove subject bankruptcy.

I. To add an additional bankruptcy select the “+Add Additional Bankruptcy” link and then enter all details for each additional bankruptcy by following steps 2-5 noted above. 

Recommended Next Step: Property

To see other sub-topics for Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review, please click on any of the topics below:

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Overview

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review- Property and Origination details

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review-Delinquency & Foreclosure, Insurance & Escrow and Hardship

Create Manual Submission, a loan that is evaluated and decisioned outside of SMDU to send a Non-Delegated case to Fannie Mae for Review-Litigation and Non-Delegated Manual Case Submission

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