HomeBridge Interactive Portal

1. HomeBridge Interactive Portal Submission Process

2. Training Agenda Portal Functionality Submission Overview Document Library Conditions- Review/Upload Lock Overview Purchase Overview Purchase Disposition Purchase Conditions Purchase Advice Collateral Purchasing General Information

3. Pipeline Management • Loan Submission • Upload Initial Documentation • Review HBC Loan Documentation • Conditions- Review / Upload • Lock Loans • Purchase Process • HIP Contains: • Seller Guides • Program Matrices/Guidelines • Announcements • Rate Sheets • Sales Contact Information • www.homebridgecorrespondent.com

4. Submitting Loans through HIP is as Easy as 123! Step 1- File Import Step 2- Upload File Documentation Step 3- Submit Loan

5. Step 1- File Import • New Loan Actions • Closed Loan Review • Prior Approval Submission

6. Step 1- File Import • AUS Submission • Enter- FannieMae: • Case File ID • User ID • Password • 2. Select Import • FHA Streamlines • Select Manual Submission: • Browse and attach file • 2. Select Import

7. Step 1- File Import • Complete contact information • Select- Register

8. Step 1- File Import • Exceptions: Identifies critical information that is missing from the loan file submission • Select- Save Exception to File • Fatal Errors- Loan can not be submitted until missing information is updated. • Update FannieMae DU Case File • Rerun Desktop Underwriter • Retrieve updated Casefile ID on initially submission page in HIP • Example- Missing Subject Property Address • Warnings- Loan can be submitted, however loan information must be updated prior to purchasing • Example- Missing dependent Age

9. Step 2- Upload File Documentation • Locate Loan in Pipeline • Double Click on loan or Select- Loan Details Summary

10. Step 2- Upload File Documentation Select- Upload Documents

11. Step 2- Upload File Documentation • Documents may be uploaded in batches or indexed appropriately • Select- Category • Select- Doc Type • Browse and Attach File • Select- Upload • Acceptable Document • Types: • PDF • TIFF • TXT • HTM/HTML • XML • Maximum individual document size: 40MB

12. Step 3- Submit Loan • Select- Submit Loan

13. Loan Details Summary • All loan functions are completed in the Loan Details Summary Screen through the tabs and action buttons highlighted

14. Import History • Contains a list of the AUS/3.2 import history • Select Findings to review DU findings • Select note to add a note to that specific upload

15. Document Library • Contains Seller Uploaded Documents and HBC Uploaded Documents • Double click on any document name to review

16. Condition- Review / Upload • View Underwriting and Purchasing conditions • Select Upload to browse and attach condition(s)

17. Status History • Current Loan Status is always displayed in the header • View complete Status History of the loan

18. Lock Loan Prior to Submission: Existing Loans:

19. Lock Loan- Prior to Submission • Select New Loan Actions • Lock Prior to Submission

20. Lock Loan- Prior to Submission • AUS Submission: • Enter FannieMae Casefile ID, • User ID & Password • Select Import • Manual Submission: • Attach FannieMae3.2 File • Select Import

21. Lock Loan- Prior to Submission • Complete- Contact Info • Select- Register

22. Lock Loan • Complete All required information • Select Price

23. Lock Loan • Review Rates • Select Price • Select Lock • Request Exception / Mandatory Pricing

24. Example Requesting Exceptions • Requesting Mandatory Pricing

25. Lock Loan • Review Pricing • Select Confirm

26. Print Confirmation • Click OK

27. Lock Loan- Existing Loan • Locate Loan in Pipeline • Select Lock

28. Lock Loan • Complete All required information • Select Price

29. Lock Loan • Review Rates • Select Price • Select Lock

30. Lock Loan • Review Pricing • Select Confirm

31. Print Confirmation • Click OK

32. Lock Change • When modifying an existing locked loan: • Complete Lock Change form • Form located on HBC website under resources • www.homebridgecorrespondent.com • Email completed form to: • hbclocks@homebridge.com

33. Purchase Disposition • Available in Document Library • Double Click Purchase Disposition

34. Collateral • HBC Custodian: Deutsche Bank National Trust Company • 1761 East St. Andrew Place • Santa Ana, CA 92705-4934 • Attn: Team REMN • Custodian Requires: • •Original Note • BaileeLetter • •Original Note Endorsement• or Allonge Seller to Endorse Note: Without Recourse Pay to the Order of Real Estate Mortgage Network, Inc. DBA HomeBridge (Seller) Signature of Officer Officers Name and Title * The Endorsement for properties located in the states of Illinois, Maryland, Nebraska, New York, Rhode Island and Virginia should NOT reflect dbaHomeBridge.

35. Purchase Advice • Available in Document Library • Double Click Purchase Advice

36. Seller Responsibilities • Once the loan has been purchased: • Transfer MERS MIN to REMN • (Organization ID1002882) • Batch Number • FHA Assignment, provide “results” printout • Final Pay History • Trailing Documents (within 120 days) • Original recorded Mortgage/Deed of Trust • Final Title Policy • Recorded Assignments • Any additional HBC specified Docs Documents sent to: HomeBridge c/o Real Estate Mortgage Network 433 Hackensack Avenue- 5th Floor Hackensack, NJ 07601 Attn: Final Docs