For the Mortgage Professional

Market Sites:

• www.money.cnn.com Graphic charts show the whole day’s action on bonds.
• http://bond.yahoo.com Good back up site. Bond glossary and other good educational info.
• http://www.federalreserve.gov/releases/h15/update/ This site is used for (HOEPA) Section 32 mortgage trigger.

Informational Sites:

• http://www.adfinet.com Agency guidelines w/ no passwords nor subscription needed
• http://www.hsh.com/idxhst.html Excellent info on ARMs – indexes, selling points, and general financial and economic information. Best history of the LIBOR.
• http://www.fhlbsf.com Best history of the 11th Dist. Cost of Funds Index (COFI)
• http://www.smartmoney.com/bonds Aimed at investors –good info. about how econ. news affects rates and what some numbers mean – great article, “Living Yield Curve”.

Reference Tools:

• Where can you find the HUD median income limits for your county/metro area (MSA)? (useful for 100% and 97% programs) http://www.fanniemae.com/tools/hudmedian/index.jhtml
• Where can you find the FHA loan amount limit for a particular county? https://entp.hud.gov/idapp/html/hicostlook.cfm
• Where can you look-up a condo to see if it is FHA-approved? https://entp.hud.gov/idapp/html/condlook.cfm
• Loan limits, condo projects - PUDS http://www.efanniemae.com/sf/refmaterials/index.jsp
• here can I find the census tract number for my property for HMDA reporting? http://www.ffiec.gov Click on Geocoding/Mapping and enter address.
• http://firstgovsearch.gov This link allows for search of government records by titles or subject
• Are your clients being contacted by other companies as soon as you run a credit inquiry.  Ask them to go to the following site and they can opt-out online.  www.optoutprescreen.com
• Guaranteed Housing Loan Program or the Rural Development
• USDA Rural Development Newletter

MI Companies:

• Radian's new MI charts including new A-minus rates and their great comparison calculator for monthly vs. single premium payments (against an 80/10/10 too if you want to see it lose!)http://www.radianmi.com
• MGIC’s site for their MI charts and calculator. http://www.mgic.com
• United Guaranty’s site with MI charts, econ. calendar and other information www.ugcorp.com

Federal Information

• To Contact Your Representative
• To Contact Your Senator
• For links to pending congressional actions to to:
  http://thomas.loc.gov (this does not require a "www" in the address.)
• If you wish to find a quick link to the Code of Federal Regulations, Federal Register or Congressional Record go to: www.access.gpo.gov/index.html
• The Federal Trade Commission publishes various booklets about consumer credit.  This page also contains information that provides guidance to brokers and lenders on advertising and recent FTC actions www.ftc.gov 
• The Department of Housing and Urban Development home page provides extensive consumer information at: www.hud.gov/news.html 
• Rural Development, USDA - http://www.rurdev.usda.gov/fl/guarrhs.htm

State of Florida Information

• The State of Florida Division of Corporations can be reached by going to: www.sunbiz.org
• Florida Government can be reached at www.leg.state.fl.us/
  This page is the official site for Florida.  It provides a list of bills pending
  before the legislature, as well as a list of members of the Senate and House.
• The Mortgage Brokering and Mortgage Lending regulations may be accessed through:
  www.flofr.com/licensing
  If you are looking for information about FS494, mortgage schools, or wish to download a list of brokers or mortgage businesses in this state, use this web address.
• Contact Center - Government Officials
• Chief Financial Officer Newsletter

To Contact the Financial Services Office by telephone call: (850) 488-1234