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Corporate and Institutional FAQs

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Corporate and Institutional FAQs
 

What is the maximum broker compensation including rebate pricing?

What is the lock extension policy?

Where are your operations centers located?

What is Wachovia Mortgage, FSB's mortgagee clause for hazard insurance?

What is the availability of Automated Underwriting Systems (AUS)?

Does Wachovia Mortgage, FSB require a copy of the broker's license annually?

What is the maximum broker compensation including rebate pricing?

The maximum broker income for all loan types and all loan amounts is 5% of the loan amount. The cap includes additional broker compensation paid by the lender and retained by the broker.

What is the lock extension policy?

Generally, if additional time is required, Wachovia follows a compare and take worse scenario. Wachovia requires that you request the extension prior to the original lock expiration date to avoid additional pricing hits.

Where are your operations centers located?

Wachovia has operations centers in Chicago, IL, Denver, CO, and Scottsdale, AZ.

What is Wachovia Mortgage, FSB's mortgagee clause for hazard insurance?

Wachovia Mortgage, FSB

its successors and assigns, as their interest may appear

P.O. Box 57664

Jacksonville, FL 32241-7664.

What is the availability of Automated Underwriting Systems (AUS)?

Wachovia offers automated underwriting on all programs. We work with Fannie Mae and allow for loans to be submitted using Fannie Mae's DO. We also work with eMagic. At this time, we do not utilize Freddie Mac LP from a broker submission.

Does Wachovia Mortgage, FSB require a copy of the broker's license annually?

Yes. Current licenses are requested for brokers operating in states that have a licenses renewal requirement. Wachovia Mortgage, FSB requires a broker to send a current copy of the licenses within 30 days of the expiration date to:

Broker Administration
Wachovia Mortgage, FSB
1100 Corporate Center Drive
NC4755
Raleigh, NC 27607

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THIS INFORMATION IS INTENDED FOR USE BY REAL ESTATE PROFESSIONALS ONLY AND SHOULD NOT BE DISTRIBUTED TO CONSUMERS OR ANY OTHER THIRD PARTY.

All loans subject to credit approval, verification, and collateral evaluation. Initial decision is subject to your meeting specific underwriting requirements and final approval will be based upon your satisfying those requirements. Loans originated by Wachovia Mortgage, FSB. Products not available in all states. DO is a trademark of Fannie Mae.

Equal Housing logo All mortgage loans subject to credit approval, verifications, and collateral evaluation. Loans originated by Wachovia Mortgage, FSB. Loan products not available in all states.

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