Memos

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• Loan Officer Volume Incentive Program

• Revised Commission Pay Schedule                                         12/2002

• FHA Updates on PUD Requirements                                      

• Employee Fees                                                                             01/2003

• Commission Pay Schedule Update                                            02/2003

• Non Refundable Application Fee                                                03/2003

• Submitting New Loans with Projected Closing Date                03/2003

• Cash Out vs. No Cash Out Defined                                             04/11/2003

• 97 to 103% LTV DP all Gift                                                            04/21/2003

• Late Closings for New Construction                                           06/13/2003

• Loan Quotas                                                                                   07/08/2003