How well do you know your coworkers
Who has a professional speaker for a father?
Nicole Habib. Daughter of the great Barry Habib
What does DSCR stand for and what is it intended for?
A Debt Service Coverage Ration Loan allows you to qualify an investment property based off its rental income instead of the borrower’s personal income
What is the name of a loan that meets Fannie Mae or Freddie Mac guidelines?
Conforming Loan
The Harry Potter series was written by what author?
JK Rowling
On Monday, April 8th 2024, a total _____ _______ crossed North America from Mexico to Maine passing over the US and Canada.
Solar Eclipse
Define the pop culture reference “extra”.
Dramatic or attention grabbing
Who has 3 children named Camilla, Pasquale & Lorenzo?
Vanessa
TRUE OR FALSE -
CCM Equity Express loans are entered into encompass under certain circumstances.
FALSE. CCM Equity Express loans will not be entered into Encompass under any circumstances
TRUE OR FALSE – Under TD Bank Underwriting Guidelines – when a nonoccupant coborrower income is required for approval of the loan, the coborrower does not have to take title to the property. However the coborrower must sign the promissory note or mortgage note or such income will not be considered for qualifying purpose.
TRUE
What 1994-1995 murder trial gripped the nation for more than 11 months?
OJ Simpson VS. The People
Who was the 16th president of the United States from 1861 till his assassination in 1865?
Abe Lincoln
Who did forbes name the youngest” self made billionaire ever
Kylie Jenner
What is Taylors new dogs name?
Sammy!
All loans utilizing the CCM CashPlus program must be ____ ___ approved for a conventional agency loan. CashPlus Program Agreement must be fully executed and in the EFolder prior to submitting for ___ ____ approval.
Fast Track
How old do you have to be to qualify for a reverse mortgage?
62 or older
“As if” is a line made famous by what 1995 Alicia Silverstone movie?
Clueless
What planet is known as the red planet?
Mars
Definte the pop culture reference “bussin”.
Amazing or really good
Scott owned a store that was a part of a franchise at one point. What was the name of his business?
Ben & Jerrys
What are 2 reasons you may suggest a Bank Statement to a borrower?
TRUE OR FALSE- Fannie Mae does not consider Sweat Equity an acceptable source of funds for down payment for HomeReady loans when the borrower participates in an affordable housing purchase program.
FALSE. Fannie may consider sweat equity an acceptable source of funds. Sweat equity can only be provided toward the down payment. The hours worked and the hourly rate is established by the Sweat Equity Program Provider, must be logged in the Sweat Equity Program Provider, and the work must support the appraised value.
What popular 80s TV show revolved around Kevin Arnold, a young boy coming of age in the 1960’s?
The wonder years
Name 3 of the 7 founding fathers:
George Washington, Thomas Jefferson, John Adams, Ben Franklin, Alexander Hamilton, John Jay, James Madison
What pop singer topped the Billboard Hot 100 for 15 weeks with the single “As it Was”
Harry Styles
What is mikes new finances name? (Congrats Mike!)
Micaela
What must a borrower complete before applying for a reverse mortgage?
HUD Counseling
How many financed properties are allowed under TD Bank Underwriting Guidelines and how many months reserves are required on each financed property?
6 properties in addition to the financed property on which they are personally obligated to pay the debt. Properties fully owned (not financed) do not count toward the limitation. 6 months of reserves will be required on each financed property.
John Travolta and Samuel L Jackson star as two hitmen in what 1994 oscar winning movie?
Pulp Fiction
This purchase doubled the size of the United States in 1803.
The Louisiana Purchase
What is the name of the alternate dimension in Netflix’s Stranger Things?
The upside down