Enact Holdings, Inc. · NASDAQ:ACT
Enact — Investor Presentation (February 2021)
49 slides from Enact's investor presentation, February 2021
Slide 1: Fannie Mae DU® and the New URLA
Fannie Mae DU® and the New URLA February 2021 Customer Education Brought to you by: Genworth Customer Development and Process Consulting ©2021 Genworth Financial, Inc. All rights reserved. Overview of the new URLA 0
Slide 2: Fannie Mae DU® and the New URLA: Objective
Fannie Mae DU® and the New URLA Objective – Basic Understanding of new messages with the New URLA Dataset Overview of the new URLA 1
Slide 3: Fannie Mae's URLA Page
Fannie Mae’s URLA Page https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-residential-loan- application Overview of the new URLA 2
Slide 4: Fannie Mae-Release Notes
Fannie Mae-Release Notes https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 3
Slide 5: New Desktop Underwriter user interface
https://singlefamily.fanniemae.com/originating-underwriting/new-desktop-underwriter-user-interface Overview of the new URLA 4
Slide 6: Desktop Underwriter Job Aids
Desktop Underwriter Job Aids https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/welcomenew.htm Overview of the new URLA 5
Slide 7: Uniform Residential Loan Application page counts
9 pages 4 pages 2 pages 1 page 1 page https://www.fanniemae.com/singlefamily/uniform-residential-loan-application Overview of the new URLA 6
Slide 8: New URLA changes overview
*New Previously in the Declarations Previously in section liability section and easily missed * * Reg B * Prohibits asking for additional info Loan detail has been moved onto the new URLA throughout the forms - Loan amount, interest rate, loan type… Overview of the new URLA • 7
Slide 9: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 8
Slide 10: Employment/Income
Employment/Income *New * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 9
Slide 11: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 10
Slide 12: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/welcomenew.htm Overview of the new URLA • 11
Slide 13: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/welcomenew.htm Overview of the new URLA • 12
Slide 14: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 13
Slide 15: Employment/Income
Employment/Income * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 14
Slide 16: Assets and Liabilities
Assets and Liabilities * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 15
Slide 17: Other Assets and Credits, If Applicable
Other Assets and Credits, If Applicable * Other Credits - These may be the less common – Verify acceptability of the assets type and check to see if any program restrictions apply https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 16
Slide 18: Other Assets and Credits, If Applicable
Other Assets and Credits, If Applicable * Other Credits - These may be the less common – Verify acceptability of the assets type and check to see if any program restrictions apply https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 17
Slide 19: Liabilities
Liabilities https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 18
Slide 20: Loan and Property Information
Loan and Property Information *New * * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 19
Slide 21: Loan and Property Information
Loan and Property Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 20
Slide 22: Loan and Property Information
Loan and Property Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 21
Slide 23: Loan and Property Information
Loan and Property Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 22
Slide 24: Secondary Financing
Secondary Financing https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/welcomenew.htm Overview of the new URLA 23
Slide 25: Declarations
Declarations *New * * * * Overview of the new URLA 24
Slide 26: Declarations
Declarations *New * * * Overview of the new URLA 25
Slide 27: Declarations
Declarations https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 26
Slide 28: Declarations
Declarations https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 27
Slide 29: Declarations
Declarations https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 28
Slide 30: Declarations
Declarations https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 29
Slide 31: Declarations
Declarations https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA 30
Slide 32: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 31
Slide 33: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 32
Slide 34: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 33
Slide 35: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 34
Slide 36: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 35
Slide 37: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 36
Slide 38: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 37
Slide 39: Lender Loan Information
Lender Loan Information * Confirm Qualifying Rate vs. Note Rate on Adjustable Rate Programs https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/welcomenew.htm Overview of the new URLA • 38
Slide 40: Lender Loan Information
Lender Loan Information * https://singlefamily.fanniemae.com/media/24521/display Overview of the new URLA • 39
Slide 41: Lender Loan Information - DOT
Lender Loan Information - DOT *New * * Sub-totaled Overview of the new URLA 40
Slide 42: Genworth Underwriting Guidelines
Genworth Underwriting Guidelines Overview of the new URLA 41
Slide 43: Genworth Rate Express®
Genworth Rate Express® Overview of the new URLA 42
Slide 44: LOS Connections
LOS Connections Overview of the new URLA 43
Slide 45: Training Tools and Information
Training Tools and Information Overview of the new URLA 44
Slide 46: Training Tools and Information
Training Tools and Information Overview of the new URLA 45
Slide 47: Additional MI Site Information
Additional MI Site Information Overview of the new URLA 46
Slide 48: Your Genworth Resources
Your Genworth Resources ActionCenter®: 800 444.5664 Your Local Genworth Regional Underwriter Your Genworth Sales Representative Overview of the new URLA 47
Slide 49: Legal Disclaimer
Legal Disclaimer Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for accuracy, we also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our train
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