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Tools & Tutorials

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4506T - Transcript Request Job Aid
Executed 4506T for full transcripts are required on all products except HARP, FHA Streamline, and VA IRRRL.

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4506T - How to Fill Out Correctly
This 4506T shows how the form should look when filled out correctly.

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Broker Reference Guide
The Broker Reference Guide is a one page cheat sheet containing account team contact information, client services contact information, and helpful hints.

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Closing Disclosure
This document provides an overview of the Closing Disclosure.

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Closing Disclosure 3 Day Rule Chart
Reference this chart to determine when your borrower should receive the Closing Disclosure based on whether it is electronically received or delivered via US Mail.

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DO Online Registration
You can use the Desktop Originator Online Registration (DO) tool to register your company to submit loan case files through DO for the first time.

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DO Add a Lender Instructions
This document explains how to use the Desktop Originator Online Registration tool to request sponsorship by an additional lender.

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Derogatory Seasoning Calculator
This calculator only considers each agency's seasoning requirements; a loan may "Pass" an agency's requirements, but borrower may not be eligible due other requirements.

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Derogatory Credit Comparison
Guidelines include products, agency guidelines, mortgage history, modified mortgages, chapters of bankruptcies, foreclosures, and short sales in a comparison chart.

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How to Order a COE
This tutorial provides instructions for ordering a Certificate of Eligibility.

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Income Calculator
This section includes a worksheet for calculation of income.

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Loan Estimate & Application
This tutorial will help you to understand the changes to the initial disclosures as well as the changes to the loan application (TRID).

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Loan Estimate
This document provides an overview of the Loan Estimate.

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NPF Specific Forms Overview
This document provides an overview of NPF-Specific Forms, including the Closing Fee Sheet, ABA Attestation, Anti-Steering Disclosures, and Borrower Credit Attestation.

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Payment - DTI Calculator
This calculator is for Payment/DTI compare for QM, Non QM Fully AM, and Non QM I/O products.

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QM Calculator
This calculator is for the NPF QM Points and Fees and gives a pass/fail result.

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Residual Income Calculator
Reference this calculator for Non-QM products.

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TRID Change in Circumstances
This form is submitted as a request for NPF to re-disclose a change in circumstance LE due to updated/new information.

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TRID - Overview
This Document provides an Overview of the TRID Disclosure Process.

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Closing Disclosure Collaboration
This tutorial offers a helpful demonstration of the ConformX Closing Disclosure Collaboration Tool.

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eSignature Borrower Experience Video
A tutorial providing an overview of the eSignature borrower experience.

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eSignature Broker Experience
This tutorial provides an overview of the eSignature 2.0 broker experience.

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eSignature Guide - Borrowers
This document contains the helpful eSignature Enhancements Reference Guide for borrowers.

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eSignature Guide - Brokers/LOs
This document contains the helpful eSignature Enhancements Reference Guide for brokers and loan officers.

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How to Create an LE
This helpful guide provides an overview, as well as step by step instructions, on how to create a Loan Estimate in LION.

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How to Create an LE (Video)
This video tutorial provides a step by step guide on how to create a Loan Estimate in LION.

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How to Add a User
This guide provides step by step instructions on how to add a user in LION.

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How to Extend a Rate Lock
This reference guide will walk you through all the necessary steps needed to Extend a Rate Lock.

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How to Pre-Lock a Loan
This document gives step by step instructions on how to Pre-Lock a Loan in LION.

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How to Submit a Full Submission
This form offers valuable information on how to complete a Full Submission to New Penn Financial, including a step by step instruction Guide.

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How to Upload Conditions
This Reference Guide will walk you through the process of Uploading Conditions to the LION Portal.

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Password Reset in Lion
This video tutorial shows Brokers how to reset their password in LION.

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Rapid CD Checklist
Reference this Rapid CD Checklist for how to request a Closing Disclosure earlier in the process.

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Rapid CD FAQs
This document contains frequently asked questions and answers regarding the Rapid CD process.

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TBD Guide
Contained in this document is TBD Guide for Brokers, Including the necessary steps for a TBD submission.

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Uploading Conditions to the Portal
Video Tutorial on how to submit underwriting conditions to LION, including how to split large PDF documents into individual documents.

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Jumbo Comparison
This chart compares all of New Penn Financials Jumbo products and includes Terms, Max. LTVs, Max Loan Amounts, and Niche Features.

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FHA Handbook FAQs
Reference this FHA Handbook FAQ's for a list of FHA questions and answers.

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FHA Max Mortgage Amount Calculator
This calculator contains sum of existing debts and costs, original principal balance of first mortgage, and maximum loan amount calculations.

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FHA New Handbook Comparison
This handbook contains a topic and compares the topic with the recent policy versus the previous policy.

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FHA Streamline Product Options
Reference this guide for FHA Streamline Refinance Options for Non-Credit Qualifying Portfolio loans, Non Portfolio, and Credit Qualifying Refinances.

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VA BPC Guide
This reference guide shows how to select Borrower Paid Compensation (BPC) on VA loan products. TPO Wholesale clients can charge BPC on VA loans at a maximum of 1%.

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Delayed Financing Job Aid
Delayed financing is a special type of cash-out refinance where borrowers are exempt from the 6 month waiting period typically required to enter into a cash-out refi.

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LMI Look-Up Tool Tutorial
This guide gives you step by step instructions on how to use the Income Look-Up Tool for the Low-to-Moderate (LMI) Program.

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HARP Presentation Transcript
This transcripts reviews recent changes to HARP 2.0, expanded HARP guidelines, and recent HARP guidelines.

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LPMI Loan Program - How It Works
This document gives an overview on LPMI and how it works. This program offers Single Premium Lender Paid Mortgage insurance as an Alternative to a borrower paid policy.

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LPOA - Getting Setup with Freddie
This guide will give you step by step directions on how to get signed up with Loan Prospector.

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LPOA Max Loan Amount Calculator - Final Closing
This worksheet is used for calculations of the LP Open Access Max Mortgage for closing.

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LPOA Max Loan Amount Calculator - No $250
This worksheet is used for calculations of the LP Open Access Max Mortgage containing no $250 cushion.

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Dream Big Condo Job Aid
This job aid contains areas where our non-warrantable condo product differs from FNMA’s Full Lender Review Guidelines.

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SMART Series Comparison Chart
Compare Our SMART Loan Series Solutions.

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Submit Your LE for Acceptance
What do I need to submit my LE for acceptance? New Penn will review the 3.2 file and the full initial disclosure package that Broker sends to the borrower.

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Net Tangible Worksheet
Net tangible benefit worksheet by product. Please note that a state specific NTB worksheet may still be required depending on the property state.

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LION HELOC Tutorial
Use this tutorial to create a Piggyback HELOC in LION.

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SMART Series Calculator
Use our SMART Series calculator to determine which non-QM loan product fits your borrowers' needs.

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How to Submit a Smart Loan Pre-UW
Step by step instructions on how to submit a Smart Series loan Pre-UW.

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