Within this library of resources, you will find bulletins that keep you informed of regulation changes and new product rollouts, breaking news announcements, product guidelines and overlay matrices, and much more.


2016 Breaking News
02-16-2016 W2 Transcript Policy Update
02-01-2016 6200 Series Jumbo Updates
2014 Breaking News
11-03-2014 CMGfi.com Layout Changes
10-28-2014 Loan Program Matrices and Guidelines
09-16-2014 Action Required: WebTrac Login Issue
08-05-2014 Underwriting Fee and LLPA
06-25-2014 Same Day Review of Outstanding Conditions
03-31-2014 Jumbo 5/1 ARM now qualifies at 2% over start rate
03-17-2014 HomePath® Closing Cost Incentive Opportunity
01-23-2014 2014 ARM Matrix / Government Note Change Date is Now Available
01-17-2014 NEW Guideline and Overlay Accessibility


2017 Bulletins
12-11-2017 CMG Bulletin 2017-64 Disaster Updates, Texas Home Equity Changes, 2018 FHA Loan Limits, 2018 VA Loan Limits
12-07-2017 CMG Bulletin 2017-63 2018 Loan Limits, Reminder - MCC & Tax Reform - Deadlines and Suspension of MCC Used to Qualify
12-06-2017 CMG Bulletin 2017-62 California Fires-Southern California Fires-Ventura County Suspension
11-22-2017 CMG Bulletin 2017-61 Freddie Updates, FHA Total Scorecard, MCC and Tax Reform Suspension
11-15-2017 CMG Bulletin 2017-60 Disaster Updates, Capital Markets Update: Max Pricing Caps Non-Agency, Income Validation Policy Updates
11-08-2017 CMG Bulletin 2017-59 Fannie Mae Updates & Clarifications, Income Validation Policy Update
11-06-2017 CMG Bulletin 2017-58 Disaster Area Update: FHA Waiver-Four Additional California Counties
11-01-2017 CMG Bulletin 2017-57 Freddie Mac Updates-Student Loan Debts and Contingent Liabilities, Conforming Loans-W2 Income from Marijuana Dispensary, LPA Loans Requiring Attention
10-26-2017 CMG Bulletin 2017-56 FHA Disaster Related Policy for Four California Counties
10-25-2017 CMG Bulletin 2017-55 Conforming Updates & Clarifications, Disaster Reminder-California Fires
10-16-2017 CMG Bulletin 2017-54 California Fires, USDA Fiscal Year 2018 Funding Available
10-11-2017 CMG Bulletin 2017-53 California Fires
10-11-2017 CMG Bulletin 2017-52 More on FHA's 203(h) Disaster Relief, 6400 Series Jumbo Guideline Updates
10-04-2017 CMG Bulletin 2017-51 New Program Release 203(h) Disaster Relief Program, Disaster Area Update-Georgia
09-27-2017 CMG Bulletin 2017-50 Freddie Mac Conventional Conforming Updates-Rental Income, Fannie Mae Disaster Related Limited CO Refinance, USDA FY2018-Lapse in Funding & Subject to Conditional Commitments
09-20-2017 CMG Bulletin 2017-49 FHA Transaction Florida- End Date DR-4337, Georgia Disaster Update (no end date yet)
09-20-2017 CMG Bulletin 2017-48 Non-Agency Disaster Polices, Reminder: FHA loans not yet Closed required FEMA "End Date" prior to DIR
09-18-2017 CMG Bulletin 2017-47 Texas "End Date" Established, Florida Disaster Update, Georgia Disaster Update
09-15-2017 CMG Bulletin 2017-46 FHA "End Date", Disaster Updates Florida and Georgia, Locating "End Date" on FEMA Page
09-13-2017 CMG Bulletin 2017-45 Updates- Hurricane Irma
09-11-2017 CMG Bulletin 2017-44 Disaster Updates- Hurricane Harvey
09-08-2017 CMG Bulletin 2017-43 Disaster List Updates- Hurricane Harvey and Hurricane Irma
09-06-2017 CMG Bulletin 2017-42 Disaster Updates- Hurricane Harvey
09-01-2017 CMG Bulletin 2017-41 Disaster Updates- Hurricane Harvey, Compliance Update HPML & HPCT
08-31-2017 CMG Bulletin 2017-40 Disaster List Updates- Hurricane Harvey
08-31-2017 CMG Bulletin 2017-39 Disaster List Updates- Hurricane Harvey
08-30-2017 CMG Bulletin 2017-38 Freddie ACE, Fannie PIW, USDA Handbook Updates, HARP Extended, HomeReady Enhancements, Bailout Transactions
08-28-2017 CMG Bulletin 2017-37 Disaster List Updates
08-23-2017 CMG Bulletin 2017-36 New UCD Requirements, Freddie Update-Rental Income, Reminder- VA State Deviations
08-16-2017 CMG Bulletin 2017-35 Non-Agency Enhancements, Secondary Adjustments to HB
08-09-2017 CMG Bulletin 2017-34 Fannie Mae Clarifications, DU 10.1 Reminder and more, 6400 Series "Flex" Jumbo Updates
08-08-2017 CMG Bulletin 2017-33 FEMA Disaster in Michigan
08-02-2017 CMG Bulletin 2017-32 Jumbo Lock Policy, Conventional Manufac-Max Age, Enhancement DU Loans
07-26-2017 CMG Bulletin 2017-31 Reminder: Jumbo Series Loan Submission Procedures, DU Validation Services- Day 1 Certainty, ARMS CAPS,MARGINS and Note Numbers
07-19-2017 CMG Bulletin 2017-30 USDA Guideline Clarification - Additional Individuals on Title
07-12-2017 CMG Bulletin 2017-29 Fannie Mae DU Version 10.1
07-03-2017 CMG Bulletin 2017-28 20 Year Term HomeReady and Home Possible, Jumbo Enchancement 6200 & 7200 Non-QM Series LTV & RTR
06-28-2017 CMG Bulletin 2017-27 Disaster Policy Reminder, CMG Property Standards Reminder & Clarification, Jumbo Series Guideline Updates
06-26-2017 CMG Bulletin 2017-26 CMG Financial Correspondent Lock Desk Announcement
06-21-2017 CMG Bulletin 2017-25 New Names Jumbo Series, Fannie Guidance Credit Report, VA Circular IRRRL worksheet and allowable fees and changes on CD
06-14-2017 CMG Bulletin 2017-24 Freddie Mac Updates
06-07-2017 CMG Bulletin 2017-23 6400 Jumbo Series Updates
05-31-2017 CMG Bulletin 2017-22 Fannie Mae Updates
05-24-2017 CMG Bulletin 2017-21 USDA Updates Freddie Mac Bulletin 2017-7 VA Circular 26-17-14 Fannie Mae Updates: Student Loan Payment Calculation and Student Loan Cash-Out Refinance
05-17-2017 CMG Bulletin 2017-20 Odd Term Amortizations,Update: 7600 Non-QM Series
04-26-2017 CMG Bulletin 2017-19 Enhancement: Home Ready, Updates: Non-Agency
04-12-2017 CMG Bulletin 2017-18 Enhancement: MCC, Update: VA Maximum Total Loan Amt, Reminder: Trust Signature Requirements
04-05-2017 CMG Bulletin 2017-17 New Product Release 7200 & 7600 Non-QM, Update Conventional Conforming - Utilities, Update 6400 Series, USDA HB-1-3555 Revisions
03-29-2017 CMG Bulletin 2017-16 Freddie Mac Changes to Total Mortgage Properties Count
03-08-2017 CMG Bulletin 2017-15 Clarification: Leaseholds
03-02-2017 CMG Bulletin 2017-14 6400 Series Jumbo Updates
03-01-2017 CMG Bulletin 2017-13 Fannie Mae DU Validation Service
02-22-2017 CMG Bulletin 2017-12 Freddie Mac Changes-Verification on Business Existence, Update to Guideline Enhancements effective 2/21/2017
02-17-2017 CMG Bulletin 2017-11 Disaster List Updates
02-15-2017 CMG Bulletin 2017-10 Credit/Guideline Enhancements, Freddie-Loan Collateral Advisor and LPA and Income Qaulification Changes, Max Interest Credit, 3/1 FHA and VA ARM and etc.
02-02-2017 CMG Bulletin 2017-09 Disaster List Updates
02-01-2017 CMG Bulletin 2017-08 Reminder: Lock Policy and Process, VA Update: Student Loans, Clarification: Conventional Conforming Manufactured Home, Reminder: Superfund Sites
01-30-2017 CMG Bulletin 2017-07 6200 Series Enchancement, Freddie Changes to Income Qualifications, Fannie Update Providing Information to Appraisers, Reminder: FHA Cash-out Seasoning Requirements
01-25-2017 CMG Bulletin 2017-06 Reminder No FHA Premium Change, Unacceptable Income Source, Residential Alien Under DACA
01-20-2017 CMG Bulletin 2017-05 Breaking News- No FHA Premium Change
01-18-2017 CMG Bulletin 2017-04 Update-Lock Policy and Process, Hold Placed on Disclosing Lower FHA MIP
01-18-2017 CMG Bulletin 2017-03 FHA Premium Chanes, Update to 6400 and 6700 Jumbo Series, Property Tax Reminders, UG/ARCH Merger
01-10-2017 CMG Bulletin 2017-02 Tax Transcript & Income Validation Policy Change, New Product: Jumbo 6700 Series, FHA change to Annual Premium
01-05-2017 CMG Bulletin 2017-01 Reminder: Delivery of Final Documents
2016 Bulletins
2015 Bulletins
2014 Bulletins
2013 Bulletins
2012 Bulletins


Log into your Fannie Mae account or create an account:

Log In Create Account

  1. Sign in with your Fannie Mae user ID and password
  2. Click on the "C" under "Index of Sponsoring Lenders"
  3. Find CMG Mortgage from the list, check the box to the left, and also check the “yes” box to the right and fill in your National Sales Manager.
  4. Click "Continue" and finish the process
  5. If you have any questions regarding signing up, please contact Justin Daly a 925.983.3072 or by email at jdaly@cmgfi.com

For TRID Resources, please view the TRID tab.


CMG Affiliated Worksheet
CMG Income Calc Worksheet
CMG - RESPA - Reg X Policy
CMG TIL - Homeownership
CMG TIL - Loan Originator
A Full Copy of CFPB Rules
Takeaways from CFPB on Affiliated Fees
Takeaways from CFPB on Discount Points
HUD Final Rules
Webinar - Presented by Melissa Richards - Understanding the ATR and QM Underwriting
Webinar - Presented by Melissa Richards - Understanding Points and Fees Calculations for Section 32 and QM


CMG Income Calc Worksheet
Trust Review Checklist
Condition Cover Sheet
Power of Attorney Checklist
Homeowner's Association Certification
CMG Conventional Condo/PUD Warranty
Type S Condo
Correspondent Lending Loan Submission Checklist UPDATED - 3/25/15
Jumbo Loan Submission Guide & Checklist
Tangible Benefits
Multi State Borrower Benefit Worksheet
CO Tangible Net Benefit Worksheet
MD Tangible Net Benefit Worksheet
ME Tangible Net Benefit Worksheet
SC Tangible Net Benefit Worksheet

TILA/RESPA Integrated Disclosure

Please refer to our TRID Purchase Requirements below. If you have further questions, please contact us so we can address those concerns in future TRID FAQs.

TRID Purchase Requirements Contact Us


06-08-2016 TRID Newsletter - Vol. 4
05-12-2016 TRID Newsletter - Vol. 3
04-14-2016 TRID Newsletter - Vol. 2
03-09-2016 TRID Newsletter - Vol. 1


11-10-2017 TRID FAQ #22
08-31-2017 TRID FAQ #21
08-03-2017 TRID FAQ #20
07-20-2017 TRID FAQ #19
07-06-2017 TRID FAQ #18
02-23-2017 TRID FAQ #17
12-23-2016 TRID FAQ #16
11-10-2016 TRID FAQ #15
10-20-2016 TRID FAQ #14
09-15-2016 TRID FAQ #13
09-08-2016 TRID FAQ #12
09-01-2016 TRID FAQ #11
08-11-2016 TRID FAQ #10
06-30-2016 TRID FAQ #9
06-23-2016 TRID FAQ #8
05-26-2016 TRID FAQ #7
05-05-2016 TRID FAQ #6
04-28-2016 TRID FAQ #5
04-08-2016 TRID FAQ #4
03-31-2016 TRID FAQ #3
03-14-2016 TRID FAQ #2
03-03-2016 TRID FAQ #1


* Registration is required.
Register for the webinars by following the links and schedule below.

Part I. TRID - Overview of TRID Rule and Understanding the Loan Estimate (LE) Completed
May 27, 2015 - 10:00 AM PDT
This session provides an overview of the TRID rule and its implications to retail and wholesale originated loan production. A comprehensive review of the new Loan Estimate (LE), which combines the current GFE and TILA disclosures into a single disclosure, is included in this session. Understanding the implications to the timing, documentation and delivery of the new disclosure is critical to achieving compliance.

PowerPoint Presentation

Part II. TRID - Navigating the Closing Disclosure (CD) Completed
June 10, 2015 - 10:00 AM PDT
This session provides a comprehensive review of the Closing Disclosure, which combines the current HUD 1 and TIL into one disclosure. The new form impacts the re-disclosure of fees and the waiting periods for closing. Significant coordination with real estate agents and title firms is essential to facilitate compliant purchase transactions under the new rule.

PowerPoint Presentation

Part III. Changing Circumstances Completed
August 5, 2015 - 12PM PST
This session will provide an extensive outline of the allowable changed circumstances under the new TILA-RESPA Integrated Disclosure (TRID) rule. The new rules and requirements may have a broad impact on the disclosure process. Some of these include; considering a valid changed circumstance that no longer requires an updated or re-disclosed Loan Estimate (LE), a changed circumstance occurring once the Closing Disclosure (CD) is furnished, and other requirements in re-disclosing a CD. While the CFPB is still fielding questions on changed circumstances, attention to some of the key issues and hardships with changed circumstances will be presented.

PowerPoint Presentation

Part IV. Best Practices Completed
August 18, 2015 - 8:30 AM PST
This session will provide a general outlook of how CMG will implement TRID for Third-Party Originated (TPO) business. Takeaways from industry peer group participation will be shared as the preparation for TRID continues. In addition, there will be emphasis on who is responsible for preparing the Loan Estimate (LE), how to handle Changed Circumstances (COCs), and preparation of the Closing Disclosure (CD).

PowerPoint Presentation

Part V. CMG Processes
September 1, 2015 - 8:30 AM PST Completed
As an approved Seller to CMG Correspondent Lending, you can expect us to provide you with our policies and procedures for delivering a TRID-compliant loan to ensure a fast and efficient purchase process. Suzanne Reep, Senior Closing Manager for CMG Financial, will join Kara Lamphere for this session, which will include a generous allotment for Q & A.

PowerPoint Presentation

TRID - Trends and Best Practice Recommendations
March 23, 2016 - 10:00 AM PST Completed
As an approved Seller to CMG Correspondent Lending, you can expect us to provide you with our policies and procedures for delivering a TRID-compliant loan to ensure a fast and efficient purchase process. This webinar was presented by Suzanne Reep, Senior Closing Manager for CMG Financial, joined by Paula Leber, Compliance Manager which included a generous allotment for Q & A. The presentation highlighted Trends and Best Practice Recommendations.

PowerPoint Presentation

Industry Resources


Correspondent Forms
CMG Income Calc Worksheet
Trust Review Checklist
Condition Cover Sheet
Power of Attorney Checklist
Homeowner's Association Certification
CMG Conventional Condo/PUD Warranty
Type S Condo
Correspondent Lending Loan Submission Checklist
Jumbo Loan Submission Guide & Checklist
Tangible Benefits
Multi State Borrower Benefit Worksheet
CO Tangible Net Benefit Worksheet
MD Tangible Net Benefit Worksheet
ME Tangible Net Benefit Worksheet
SC Tangible Net Benefit Worksheet


Correspondent Forms
CMG Conventional Condo/PUD Warranty
CMG Income Calc Worksheet
Condition Cover Sheet
Condo Attachment
Condominium Questionnaire 6400 Series
Contents of Collateral File
Conventional Escrow Holdback Agreement
Conventional Loan Leasehold Estate Evaluation Checklist
Correspondent Lending Loan Submission Checklist
CPM/Full Review Checklist
DU Limited Condo Requirements
DU Limited HOA Cert
FHA/USDA Escrow Holdback Agreement
FHA Streamline Worksheet Optional
Freddie Mac Open Access Calculation Worksheet
HOA Cert for CPM Review
Homeowner's Association Certification
Jumbo Loan Submission Procedures
LP Streamline HOA Cert and Requirements
Multiple Financed Properties Attachment
Power of Attorney Checklist
Trailing Final Documents Transmittal
Trust Review Checklist
Type S Condo
VA IRRRL QM Safe Harbor Worksheet
Tangible Benefits
Multi State Borrower Benefit Worksheet
CO Tangible Net Benefit Worksheet
MD Tangible Net Benefit Worksheet
ME Tangible Net Benefit Worksheet
SC Tangible Net Benefit Worksheet


Why Partner with Us?
It's simple. We're different. We believe that providing extraordinary service and building strong relationships is what creates true success. Starting in 1993, CMG Financial has grown into a multi-channel mortgage bank operating in most states and the District of Columbia. Today, we are still passionate about maximizing our clients' growth through an elevated partnership.

Experience the benefits of a national lender with the high-touch service of a local business partner.

View Seller's Guide for Qualifications

Doing Business Wherever You Lend
Helping your business grow is our business. Contact the National Sales Manager located in your area or call 800.501.2001.

Contact National Sales Manager


The application process is now easier than ever. Click below to download and complete the DocuSign Information form today.

DocuSign Information

© 2016 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025; Loans made or arranged pursuant to a California Finance Lenders Law license No. 6053674. Offer of credit is subject to credit approval. For State specific licensing, visit www.cmgfi.com/licensing.php. To verify our state licenses, please visit www.nmlsconsumeraccess.com. This site is not intended to serve as a business solicitation for residents in the state of Massachusetts and New York.