1. Part 4: Resubmitting a 1003 text file to emasshousing.com
Creating a FNMA 1003 V.3.2 .txt file that can be uploaded and submitted to emasshousing.com
Part 4: Resubmitting a 1003 text file to emasshousing.com
Slides 2 through 8 explain how to complete a resubmission of your 1003 file on emasshousing.com.
To continue learning about 1003 uploads please read:
Part 1: Exporting a 1003 file from DO/DU to your computer.
Part 2: Upload the exported text file to emasshousing.com.
Part 3: Complete the first submission of a 1003 file to emasshousing.com.

2. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 1. Resubmit your 1003 file. The resubmission steps are the same as new submission:
From your homepage, navigate to the 1003 File Uplink section and click Submit 1003 File.
You will be directed to a new page. Click the Browse button.
The “Choose file” window will appear.
Locate (click on) the file you want to submit. Click Open.
Click the Next button and WAIT for the upload process to complete.
When you resubmit a 1003 file the status of the application will dictate which Next Action or Other Action buttons you will see (see next slide).
You will never see a next action or other action of VIEW, WITHDRAW, FUND or ACTIVATE (MI only loans). If you want to perform any of these actions, you must do this by locating the application in your emasshousing.com pipeline and select an Other Action button (View. Withdraw) or a Next action button (Fund or Activate).

3. Part 4: Resubmitting a 1003 text file to emasshousing.com
As in a new submission, during the 1003 resubmission upload process the system will perform some validations. If you pass these validations you will be directed to this page.
This page will include “action buttons”. You will be allowed to Modify the application data, Add Mortgage Insurance, or Add Loan Detail (LTV is <= 80%).
If MI or Loan Detail has already been added you will only see the Modify Other Action button.
Please note the message on this page. The data in the 1003 file will overwrite previous data. You should carefully review all tab screens before resubmit.
There are conditions where you will NOT be allowed to resubmit a 1003;
The Reservation or Mortgage Insurance has expired.
The application is withdrawn.
The reservation has a status of Funding Requested, Funding Pending, Non Table Funded, Wired, Closed Docs Received or Serviced.
The MI has a status of Approved with Conditions /Conditions not met, Referred, Manually Denied, Conditions Denied or Activated.
If any of these conditions exist you will be shown an Invalid Submission message (example shown). You should click the Cancel button and you will be returned to your Homepage.

4. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 2. Select a Next Action or an Other Action.
Step 3. Modify and Add MI is selected.
You are brought to the Loan tab. The Property, Borrower and MI Underwriting tabs are editable.
If any data from your 1003 file was modified, this data will be imported.
All “unique” Masshousing data entered during your first submission will be maintained.
Review the data on the Loan tab Click Next (or click on the Property tab) to navigate to the next tab.

5. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 4. Review existing data.
While on this tab please review all of the data that was pre-populated from your 1003 file. Keep in mind that data changed here will cause a data mismatch between emasshousing.com and your Loan Origination system! To maintain data integrity, select the Cancel button. Make the data corrections on your LOS then resubmit the 1003 file on emasshousing.com.
Once all data is entered, click Next (or click on the Borrower tab) to navigate to the next tab.

6. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 5. Enter required data AND review existing data.
The borrower tab has several required data fields that for each borrower will never be populated from your 1003 file. See the 2 highlighted fields.
While on this tab please review all of the data that was pre-populated from your 1003 file. Keep in mind that data changed here will cause a data mismatch between emasshousing.com and your Loan Origination system! To maintain data integrity, select the Cancel button. Make the data corrections on your LOS then resubmit the 1003 file on emasshousing.com.
Once all data is entered, click Next (or click on the MI Underwriting tab) to navigate to the next tab.

7. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 6. Enter required data AND review existing data.
The MI Underwriting tab has several required data fields that will never be populated from your 1003 file. See the 5 highlighted fields. (Depending on the product selected, there may be less or more required data fields).
While on this tab please review all of the data that was pre-populated from your 1003 file. Keep in mind that data changed here will cause a data mismatch between emasshousing.com and your Loan Origination system! To maintain data integrity, select the Cancel button. Make the data corrections on your LOS then resubmit the 1003 file on emasshousing.com.
Once all data is entered, click Submit Modifications. You will be brought to the warranties page, where you should read and accept the warranties. The product compliance rules and underwriting rules will run and you will be shown the “results” .

8. Part 4: Resubmitting a 1003 text file to emasshousing.com
Step 7. The resubmission results will be displayed.
If compliance and underwriting is passed you will see the reservation/MI accepted message. This reservation is now in your pipeline with a next action of FUND.
If compliance fails, you need to take some action. Choosing Discard Changes will return you to the data tabs. Choosing Withdraw Application will open a new window where you can withdraw the loan. Choosing Submit Change Request will open a new window where you can send an to MassHousing.
If underwriting fails you may send a file to the Mortgage Insurance Fund for review.

9. Part 4: Resubmitting a 1003 text file to emasshousing.com
To continue learning about 1003 uploads please read:
Part 1: Exporting a 1003 file from DO/DU to your computer.
Part 2: Upload the exported text file to emasshousing.com.
Part 3: Complete the first submission of a 1003 file to emasshousing.com.