Servicing Guide

Published September 9, 2020

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SMDU™ UI User Guide 7.38 September 2020 (Mid-Stream Conversion)

When SMDU evaluates a no-doc modification final structuring request with a complete BRP (identified in SMDU by income now being reported) in which a complete BRP had not been received at the trial structuring evaluation, FLEX conversion eligibility will be evaluated. 

When SMDU evaluates a no-doc modification for final structuring, and if a complete BRP was received within the designated timeframe, SMDU will simultaneously evaluate the loan to determine if it is eligible for conversion to FLEX if the loan is eligible for conversion, SMDU will return the structuring result for the converted workout.

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