1. DESKTOP ORIGINATOR FANNIE MAE INTERFACE * This document is the proprietary property of Land Home Financial Services, Inc. and is not to be shared with anyone outside of the company.

2. STEP 1: INTERFACES Complete Loan Input: Select interfaces, then Fannie Mae Interface Clear Data Integrity Check Items: This is critical to avoid errors in DO

3. STEP 2: DESKTOP ORIGINATOR Select Desktop Originator NOT Underwriter Data Integrity Check should be green! Select Credit & Underwriting the first time you run to reissue credit report. Once that is complete, you will run Underwriting to update details of loan.

4. STEP 3: REISSUE CREDIT REPORT Reissue an existing credit report associate it with the casefile. Don’t request a new credit report. This will pull a Fannie Mae report which LHFS does not accept.

5. STEP 4: ENTER CREDIT REISSUE CREDENTIALS Credit Reference # easily found in Credit Score section of Borrower Information Tab (copy/paste) Make sure the correct Credit Agency is selected based on the report pulled. See next page for account info. Select NO for auto-populate for liabilities to 1003.

6. CREDIT PLUS ACCOUNT INFORMATION: Credit Plus Account:  Within approximately 24-48 hours from your hire date you will receive a welcome email from IT that will contain all of your log-in information. Password to open is the last 4 of your SSN.  You will see that you will have received immediately your Credit Plus Login Information in this welcome email.  You will use the Credit Plus Credentials when you run Fannie Mae DO and have used Credit Plus for your credit pull.

7. CREDCO ACCOUNT INFORMATION: Credco Account:  Emailed directly from Credco within 3-4 days of hire date.  You will use these login credentials when you run Fannie Mae DO and have used Corelogic Credco for your credit pull.  Save these for future reference.

8. STEP 5: SELECT SUBMISSION OPTIONS 1. Select Submission Option: Land Home Financial Services, Inc. 2. Leave blank 3. Select a Product: All Products. ALWAYS INTERIM!

9. STEP 7: PATIENCE… … … … … …

10. STEP 8: RESULTS Select Underwriting Recommendation: View and print findings

11. STEP 8: RESULTS Print Report or Return to Loan Information: You will need to print report PDF so you can upload into imaging bucket for processing. Check Data for Accuracy: Check data, specifically the LTV/CLTV calculations and DTI ratios to ensure they match your file. View Risk / Eligibility: Pay close attention to these findings.

12. EDIT LOAN DATA: Select Return to Loan Information from inside findings. Edit Loan: You can edit any loan details and resubmit to update your findings.

13. EDIT LOAN DATA: Use Quick Links on left side: Navigate through file and make appropriate updates. Select submit to rerun findings.

14. RE-RUN DO: Interfaces / Fannie Mae Update PC Lender file then open Fannie Mae Interface Select Underwriting Only now that credit is imported.

15. RE-RUN DO (CON’T)…

17. COMMON DO ERRORS: General Failure: Login Credentials were not input correctly. Re-run credit/underwrite and re- issue credit report with correct log in & reference #

18. COMMON DO ERRORS: FHA Section of the Act missing: Go back to edit loan. In the Government tab, update the section of the act and submit.

19. COMMON DO ERRORS: FHA Gift Source Error: Make sure to go into DO Details and select the appropriate gift source. This does not populate from PC Lender.

20. TRAINING@LHFS.COM WE PROVIDE THE SUPPORT YOU NEED…