Wells Fargo Wholesale Lending

Wells Fargo Wholesale Lending
Home Affordable Refinance Programs Client Training Presentation This training course will take approximately 15 minutes to complete. Information is accurate as of the date of publication and is subject to change without notice.

What is the Home Affordable Refinance Program?
Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources What is the Home Affordable Refinance Program? Originally announced by President Obama on Feb. 17 Home Affordable Refinance Program Geared toward helping customers current on their mortgage payments, but home value has declined to a point that may make them ineligible for traditional refinance products Loans must fund and close by June 10, 2010 Originally announced by President Obama on Feb. 17 the Home Affordable Refinance Program is geared toward helping customers current on their mortgage payments, but home value has declined to a point that may make them ineligible for traditional refinance products. These loans must fund and close by June 10, 2010.

Freddie Mac Relief Refinance MortgageSM
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Freddie Mac Relief Refinance MortgageSM The two programs that will be introduced in Wholesale are the Freddie Mac Relief Refinance Mortgage and the DU Refi Plus. The first program that we cover if the Freddie Mac Relief Refinance Mortgage 3

Broker’s First® Program Automated Underwriting
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Eligibility Overview Wells Fargo version of Freddie Mac Relief Refinance Mortgage Investor Original investor: Freddie Mac Must be sold to Freddie Mac Servicer Must be serviced by WFHM Loan Purpose Rate-term refinance Application Process Full application executed by all borrowers on the note Broker’s First® Program FHLMC to FHLMC Underwriting Options Enhanced Broker not allowed Table funding Broker not allowed External Contract UW not allowed Automated Underwriting Submit loans through Direct Express to avoid the pricing adjustor; minimal messaging will be provided. Eligibility Overview: The original investor was Freddie Mac and must be sold to Freddie Mac. Loan must be serviced by Wells Fargo Home Mortgage. Loan purpose is rate/term refinance This should be a full application executed by all borrowers on the note. The program option to chose on Broker’s First is FHLMC to FHLMC. Enhanced broker, table funding broker and external contract underwriting is not allowed. Submit loans through Direct Express to avoid the pricing adjustor; minimal messaging will be provided

Eligibility Overview (cont.)
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Eligibility Overview (cont.) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Products Fixed: 15, 20, 30 LIBOR ARM: 5/1, 7/1, 10/1 Can not refinance from a fixed-rate to an ARM product Amortization Fully Amortized Interest-Only payment feature not allowed Allowable Property Types Single family residence Multi family residence Condo Coop PUD Occupancy Primary and Investment (1-4 unit) Second (1-unit) Limit on number of financed properties (see Broker Guide section 201) Must be the same occupancy as original loan except change from second home or investment to primary occupancy is allowed Products include 15, 20, and 30-year fixed; LIBOR 5/1, 7/1, and 10/1 ARMs. The I/O payment feature is not allowed. Allowable property types include: Single family and multi family residences, condo, co-op, and PUDs. Occupancy types include: Primary and investment 1-4 units and Secondary 1-unit. There is a limit on the number of finance properties – visit section 201 in the Broker Guide for guidelines. The occupancy must be the same as the original loan except change from second home or investment property to primary occupancy is allowed. 5

Loan Score & Other Credit Requirements
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Policy Overview Wells Fargo version of Freddie Mac Relief Refinance Mortgage Max. LTV/CLTV 105% LTV Unlimited TLTV/CLTV Debt-to-Income Ratio No max except the following: 45% when new P&I is more than 20% greater than existing P&I payment If P&I is not increasing more than 20% or is decreasing and DTI > 50%, you will need to determine job/income stability. Determine whether the borrower has had a job loss or reduction in income in the last 6 months; If no job loss or income reduction, ensure all program guidelines are met Loan Score & Other Credit Requirements No minimum loan score except: 620 minimum loan score with P&I 20% > than current P&I Standard policies for adverse credit do not apply. Borrower cannot currently be involved in a bankruptcy or foreclosure Max LTV is 105%. TLTV/CLTV is unlimited. There is not a max DTI ration except for the following: 45% max DTI when new P&I is more than 20% greater than existing P&I payment. If P&I is not increasing more than 20% or is decreasing and DTI > 50%, you will need to determine job/income stability. Determine whether the borrower has had a job loss or reduction in income in the last 6 months; If no job loss or income reduction, ensure all program guidelines are met There is no minimum loan score requirement except: 620 loan score is required when the P & I is 20% greater than the current P & I. Standard policies for adverse credit do not apply. The borrower cannot currently be involved in bankruptcy or foreclosure. 6

Policy Overview (cont)
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Seasoning Requirements 3 months: The note date of the original mortgage must be at least 3 months prior to the note date of the new mortgage. Maximum Loan Amount The new loan amount is limited to: The actual payoff amount of the first mortgage balance, including accrued interest Actual closing costs, financing costs, pre-paids and escrows up to $2500 The borrower may not receive any cash at closing Example Payoff amount: $229,545 Actual closing costs, etc.: $2496 Maximum loan amount: $232,041 There is a 3 months seasoning requirement. The note date of the original mortgage must be at least 3 months prior to the note date of the new mortgage. The new loan amount is limited to: The actual payoff amount on the first mortgage balance including accrued interest. Actual closing cost, financing costs, pre-paids and escrows up to $2500 The borrower may not receive any cash at closing. Let’s review an example: if the payoff amount is $229,545 and actual closing costs is $2,496 then the maximum loan amount will be $232,041 – the sum of the payoff amount and the actual closing costs. 7

Credit Policy Overview
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview Wells Fargo version of Freddie Mac Relief Refinance Mortgage Mortgage Insurance Note: Old loan MI coverage would apply to new loan If the existing loan does not have MI coverage, then no MI required for the new loan. If the existing loan has mortgage insurance, the loan is not eligible to be refinanced under this program. Other Features/Restrictions One loan per borrower Cannot add a new borrower Change in borrower permitted due to death or divorce: Documentation of the death or divorce Evidence the remaining borrower has been making the mortgage payments, including payments for any secondary financing, for the most recent 12 month period Policy for multiple financed properties does apply Policy for loans seasoned less than 12-months does not apply Rent loss insurance is required on investment properties per standard guidelines Let’s review the mortgage insurance requirements for these loans. If the existing loan does not have MI coverage, then no MI required for the new loan. If the existing loan has mortgage insurance, the loan is currently not eligible to be refinanced under this program. Other Features and Restrictions include: The borrower can only obtain one HARP loan. Cannot add a new borrower Change in borrower is permitted due to death or divorce: Documentation of the death or divorce is required in addition to evidence the remaining borrower has been making the mortgage payments, including payments for any secondary financing, for the most recent 12 month period. Policy for multiple financed properties does apply Policy for loans seasoned less than 12-months does not apply Rent loss insurance is required on investment properties per standard guidelines 8

Credit Policy Overview (cont)
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Secondary Financing New or replacement subordinate financing not allowed. Existing subordinate financing must be re-subordinated, paid off or paid down with borrower’s own funds. If paid off with own funds, asset documentation is required. Secondary financing may not have any increase in unpaid balance. Secondary financing must meet standard guidelines See Broker Guide Section 221. Secondary Financing New or replacement subordinate financing is not allowed Existing subordinate financing must be re-subordinated, paid off or paid down with borrower’s own funds. If paid off with own funds, asset documentation is required. Secondary financing may not have any increase in unpaid balance Secondary financing must meet standard guidelines See Broker Guide Section 221. Loans with current Down Payment Assistance (DAPS) may be eligible to be re-subordinated. 9

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Maximum Payment Increase If P&I payment on new loan is more than 20% greater than P&I payment on existing loan: Income documentation is required, Loan score must be at least 620, and DTI cannot exceed 45%. Maximum Payment Increases If the Principal and Interest payment on new loan is more than 20% greater than Principal and Interest payment on existing loan then: Income documentation is required, Loan score must be at least 620, and DTI cannot exceed 45%. 10

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Program Potential Benefit to Borrower A reduction in interest rate of first lien mortgage Replace an ARM, initial interest mortgage or any mortgage with an interest-only period, or a balloon/reset mortgage with a fixed rate, fully amortizing mortgage A reduction in the amortization term of the first lien mortgage must not have a longer amortization term than the mortgage being refinanced. Appraisal Determined by WF which may allow use of the original appraisal or require a new appraisal Cooperative units, 2-4 unit and leasehold properties require a new appraisal If existing loan was a renovation, a new appraisal or final inspection will be required to confirm that the renovation is complete Market Classification policy does not apply Potential Benefit to Borrower: A reduction in interest rate of first lien mortgage. Replace an ARM, initial interest mortgage or any mortgage with an interest-only period, or a balloon/reset mortgage with a fixed rate, fully amortizing mortgage A reduction in the amortization term of the first lien mortgage must not have a longer amortization term than the mortgage being refinanced Appraisal Determined by WF which may allow use of the original appraisal or require a new appraisal Cooperative units, 2-4 unit and leasehold properties will require a new appraisal If existing loan was a renovation, a new appraisal or final inspection will be required to confirm that the renovation is complete Market Classification policy does not apply FEMA Disaster area to be checked for last 24 months- full appraisal required if located in a disaster area 11

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Documentation SISA (stated income/stated asset) Note: When new P & I payment is more than 20% greater than the existing P&I payment, income documentation is required. Verbal VOE completed by Wells Fargo (follow standard process) Asset documentation required if funds needed to pay down first mortgage or pay off/pay down subordinate financing IRS 4506-T signed and dated at application and at closing on all loans Mortgage History 0X30 in last 12 months Documentation type is stated income/stated asset Please Note: When the new P & I payment is more than 20% greater than the existing P&I payment, income documentation is required. Verbal VOE to be completed by Wells Fargo (follow standard process) Asset documentation is required if funds are needed to pay down the first mortgage or pay off/pay down the subordinate financing 4506-T signed and dated at application and at closing on all loans but does not need to be executed. Mortgage History: 0x30 in the last 12 months 12

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of Freddie Mac Relief Refinance Mortgage Ineligible Mortgages Existing Loan: Non-prime Alt-A FHA, VA, or Rural Development loans High Balance Conforming Loan Program (loan amounts above the conforming limit) New loan <5/1 ARM Interest-Only payment feature Cash-out refinance Special Purpose Cash-out (spousal buyouts) Construction to Perm Temporary buydowns Home Possible® Home OpportunitiesSM Section 502 Guaranteed Rural Housing Mortgage Texas 50 (a)(6) The following slide covers mortgages that are ineligible for the Freddie Mac Relief Refinance Mortgage. If the Existing Loan was: Non-prime Alt-A FHA, VA, or Rural Development loans High Balance Conforming Loan Program (loan amounts above the conforming limit) then it is not eligible for this program. If the new loan is: <5/1 ARM Interest-Only payment feature Cash-out refinance Special Purpose Cash-out (spousal buyouts) Construction to Perm Temporary buydowns Home Possible® Home OpportunitiesSM Section 502 Guaranteed Rural Housing Mortgage Texas 50 (a)(6) Then it is not eligible for this program. 13

Loan Eligibility Validation Process
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Loan Eligibility Validation Process Broker will submit servicing request via fax to internal WF group Broker will receive servicing information back and must include with loan file submission Underwriting will be required to validate expiration date and revalidate servicing information if needed (Closing may have to as well if time lapse is large enough) The following is information on how the client will get the current loan information for the Freddie Relief refinance program. There will be a centralized team that will validate the current loan information for eligibility for the program. This includes identifying the type of appraisal. The client should complete this process before processing or submitting the loan.

DU Refi PlusTM Home Affordable Refinance Program
Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources DU Refi PlusTM Now lets talk about the second program, DU Refi Plus.

Credit Policy Overview
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview Wells Fargo version of DU Refi Plus Investor Original Investor: Fannie Mae Must be sold to Fannie Mae Existing loans must have been delivered to Fannie Mae prior to Mar. 1, 2009 Servicer Wells Fargo not required to be Servicer Loan Purpose Rate-term refinance Application Process New application Fully completed 1003 Broker’s First® Program DU Refi Plus Underwriting Options DU No External Contract UW Enhanced Broker is allowed Original Investor: Fannie Mae and must be sold to Fannie Mae. Existing loans must have been delivered to Fannie Mae prior to Mar. 1, 2009 Wells Fargo not required to be Servicer. Loan Purpose Rate-term refinance New application is required with a fully completed 1003. Program Codes are: LPS: DR D Broker’s First: DU REFI PLUS Financial Markets: DU Refi Plus Desktop UW Underwriting Options: DU No External Contract UW Enhanced Broker is allowed Loans will need be submitted to DU. It will important to have loan identified with DU findings in the file and be corrected registered as a DU Refi Plus to take advantage of the benefits on the decisioning.

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Products Fixed: 15, 20, 30, 40 LIBOR ARM: 5/1, 7/1,10/1 Cannot refinance from a fixed-rate to an ARM Amortization Fully Amortized Allowable Property Types Single family residence Multi family residence Condo Co-op PUD Occupancy Primary and Investment (1-4 unit) Second (1-unit) No limit on number of financed properties Products include: Fixed 15, 20, 30, and 40 year. LIBOR 5/1, 7/1, and 10/1 ARMs. Borrowers are unable to refinance from a fixed rate into an ARM loan. Full amortization only. Allowable Property Types include: Single family residence, Multi family residence, Condo, Co-op and PUDs. Occupancy types include Primary and Investment 1-4 units, Secondary 1-unit, and there is no limit on the number of financed properties. 17

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Max. LTV/CLTV 105% LTV Unlimited TLTV/CLTV Debt-to-Income Ratio DU determined The maximum LTV is 105% and the TLTV/CLTV is unlimited. DU will determine the DTI ratio. 18

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Loan Score and Other Credit Requirements Borrower must meet the requirements for DU underwritten loans, including the mortgage delinquency, bankruptcy, and foreclosure policies DU Approve/Eligible Required Note: DU applies requirements and checks eligibility Borrower must meet the requirements for DU underwritten loans, including the mortgage delinquency, bankruptcy, and foreclosure policies Wells Fargo Adverse Credit policy will apply for loans not currently serviced by Wells Fargo or Wachovia. Approve/Ineligible is not allowed Note: DU applies requirements and checks eligibility 19

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Feedback Response Loan must receive an Approve/Eligible response from DU Approve/Ineligible not allowed Seasoning Requirement No seasoning requirement Loan must receive an Approve/Eligible response from DU Approve/Ineligible is not allowed There is no seasoning requirements for DU Refi Plus. 20

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Max. Loan Amount The new loan amount is limited to: The actual payoff amount of the first mortgage balance, including accrued interest Actual closing costs, financing costs, pre-paids and escrows The borrower may not receive any cash at closing Example Payoff amount: $352,006 Actual closing costs, etc: $3672 Maximum loan amount: $355,678 The new loan amount is limited to: The actual payoff amount of the first mortgage balance, including accrued interest Actual closing costs, financing costs, pre-paids and escrows And the borrower may not receive any cash at closing Let’s review an example: If the payoff amount is $352,006 and the actual closing costs, etc total $3,672 then the maximum loan amount is $355,678 – the sum of the payoff amount plus any actual closing costs, etc. 21

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Mortgage Insurance If the existing loan does not have MI coverage, then no MI required for the new loan Existing loans with LPMI are ineligible and will be excluded from the eligible population by DU Note: If the existing loan has mortgage insurance, the loan is not eligible to be refinanced under this program. If the existing loan does not have MI coverage, then no MI required for the new loan Existing loans with LPMI are ineligible and will be excluded from the eligible population by DU Note: If the existing loan has mortgage insurance, the loan is currently not eligible to be refinanced under this program. 22

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Other Features/Restrictions One loan per borrower Borrowers cannot be removed from original loan Borrowers may be added as long as the original borrowers are on the loan Policy for multiple financed properties does not apply Policy for loans seasoned less than 12-months does not apply Rent loss insurance is not required on investment properties Let’s review any additional features and/or restrictions for this program: The borrower can only obtain one HARP loan. Borrowers cannot be removed from original loan Borrowers may be added as long as the original borrowers are on the loan Policy for multiple financed properties does not apply Policy for loans seasoned less than 12-months does not apply Rent loss insurance is not required on investment properties 23

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Secondary Financing Re-subordinate required No new subordinate financing No replacement financing This slide provides some information regarding subordinate financing. Re-subordination is required No new subordinate financing No replacement financing 24

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Maximum Payment Increase DU determined Potential Benefit to Borrower Reduced payment More stable product DU will determine the maximum payment increase allowed. Potential Benefit to borrower includes reducing payment and providing a more stable product. 25

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Appraisal DU will determine Appraisal Product or Property Inspection Waiver (PIW) Eligibility The property can not be a resort condo or condotel Market Classification Policy does not apply Let’s discuss appraisal requirements. DU will determine Appraisal Product or Property Inspection Waiver (PIW) Eligibility Must check condo and co-op lists to ensure project is eligible; OK to proceed if project is ineligible due to pre-sale or owner occupancy Market Classification Policy does not apply 2 Year History of FEMA Disaster Notice to be checked- Full Appraisal required 26

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus PIW Waiver Eligibility DU PIW Waiver Eligibility 1-unit primary, second and investment LTV/CLTV < 95% Ineligible for DU PIW Waiver Cooperative units, and 2-4 unit properties Properties that were REO or foreclosure properties in the last 12 months. When no appraisal is obtained, a signed affidavit is required from borrower indicating how long they have owned the property and that the property is currently not for sale. Let’s review the Property Inspection Waiver Eligibility: The following is eligible for the DU PIW Waiver: Allowed with 1-unit primary, second and investment properties LTV’s/CLTV’s less than or equal to 95% The following is ineligible for DU PIW Waiver: Cooperative units, and 2-4 unit properties Properties that were REO or foreclosure properties in the last 12 months. When no appraisal is obtained, a signed affidavit is required from borrower indicating how long they have owned the property and that the property is currently not for sale 27

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Documentation Salaried: one paystub and Verbal VOE Commission/Self-Employed: 1 year federal tax returns Assets must be verified if paying down first mortgage balance IRS 4506T must be signed and dated at application and closing IRS 4506T processed on all loans Mortgage History 0X60 in the last 12 months Let’s review documentation requirements: Salaried Borrowers: one paystub and Verbal VOE. Commission/Self-Employed Borrowers: 1 year federal tax returns. Assets must be verified when paying down first mortgage balance. 4506T must be signed and dated at application and closing and is processed on all loans. And for the mortgage history, 0x60 in the last 12 months. 28

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Ineligible Mortgages Existing Loan (DU checks for eligibility) Loans subject to lender paid mortgage insurance Reverse mortgages Second mortgages Government mortgages Jumbo Conforming/High Balance Conforming (loan amounts above the standard conforming limit) The following are ineligible for this program. DU checks for eligibility on the existing loan to see if: The loan is subject to lender paid mortgage insurance Reverse mortgage Second mortgages Government mortgages Jumbo Conforming/High Balance Conforming (loan amounts above the standard conforming limit) 29

Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Credit Policy Overview (cont) Wells Fargo version of DU Refi Plus Ineligible Mortgages New Loan 5/1 ARMS Interest-Only payment feature My Community Mortgage Jumbo conforming/High Balance Conforming Loan Program (loan limits above the standard conforming limit) Texas Equity Section 50 (a) (6) List ineligible mortgage types for the new loan includes: 5/1 ARMS Interest-Only payment feature My Community Mortgage Jumbo conforming/High Balance Conforming Loan Program (loan limits above the standard conforming limit) Texas Equity Section 50 (a) (6) 30

Resources Broker Guide Sections 522 and 523
Home Affordable Refinance Program Overview | Freddie Mac Relief Refinance Mortgage| DU Refi Plus| Resources Resources Broker Guide Sections 522 and 523 Fannie Mae DU Refi PlusTM Job Aid Freddie Mac Relief Refinance MortgageSM Job Aid Home Affordable Refinance Programs At-A-Glance After you complete today’s online training session, the following resources are available to assist you. New Broker Guide Sections 522 and 523 will be available on April 6, 2009 Fannie Mae DU Refi PlusTM Checklist found on Client Tools section of Broker’s First Freddie Mac Relief Refinance MortgageSM Checklist found on Client Tools section of Broker’s First Home Affordable Refinance Programs At-A-Glance

Thank you!! Home Affordable Refinance Program
Thank you for taking the time to complete this online training session. To exit the course, click the X in the upper right hand corner. Information in this presentation is a summary and is not complete. Refer to the Wells Fargo Wholesale Lending Broker Guide for complete guidelines. This information is for use by mortgage professionals only and should not be distributed to or used by consumers or other third-parties. Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2009 Wells Fargo Bank, N.A. All Rights Reserved. 04/07/09 SDC

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