Turn Times
Disclosure Preparation 12 Hours
Underwriting 48 Hours
Conditions 24 Hours
Final Doc Preparation 12 Hours
Big Lenders pushing you around?
UFF has all of the features of the big lenders without making you feel
like your loan is lost in the shuffle!
Who said originators couldn't order appraisals anymore?
Order your HVCC compliant appraisal
right in E.A.G.L.E. automated system!
New RESPA got you down?
UFF will prepare all of your initial disclosures for you. Helping to keep you compliant and get your loan closed!
Paying for your automated
findings on your FHA loans?
Use E.A.G.L.E. automated underwriting system at no cost and save!
United Fidelity Funding, Corp. All rights reserved Copyright 2008-2010.
Appraisal Fees
E.A.G.L.E.
Appraisers
Become a
Partner
(Form 1004MC) URAR
$475 (FHA/ USDA)
$400 (Conv)
(Form 1004D/ 442) Final Inspection
$100
(Form 1073) Condo URAR
$400 (Conf)
$475 (FHA)
(Form 1025) 2-4 Unit URAR
$450 (Conf)
$525 (FHA)
(Form 2055) Interior & Exterior
$400
(Form 2055) Exterior Only
$275
(Form 2075) Exterior Only
$175
(Form 216) Operating Income
$75
(Form 1007) Schedule of Rents
(Form 2000) Field Review
$235
Appraisals which require excessive travel time and properties over $500,000 value will require additional fees. These fees will be charged prior to appraisal completion.
Contact your account executive for details.
UNDERWRITING FEES
FHA and USDA: $895
Conforming: $749
Non-Conforming: $749
Late Wire Fee
after 10am
Bulletins
Loan
Programs
AE
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Download
Forms
State
Licensing
Useful
Links
Make a
Payment
Get
Pre-Approved
Where we do
Business
By Using the Make a Payment feature of this web site; you attest that you have read our policy listed below and agree with the terms.
Making a Payment On-Line
(Make sure to reference your loan number when you make your payment on line)
This link may be used to make a payment to United Fidelity Funding via a secure online check delivery system. For security and privacy, the actual signature is not stored only the hundreds of coordinates of the mouse movements, and those coordinates are encrypted when saved. These are decrypted and converted into an image of the signature only when the final check is created, and then the actual image is deleted.
Electronic signatures are secure and legally enforceable as outlined in the Congressional Electronics Signatures in Global and National Commerce Act of 2000. Your electronic signature combined with the capture of your computer's IP address, the image verification required to submit the check form, and the unique transaction number assigned to every check far exceed the requirements for a legally binding e-signature.
Our Commitment To Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices. To make this notice easy to find, we make it available on our website where identifiable information may be requested.
United Fidelity Funding, Corp is in the business of providing wholesale and retail mortgage lending to our clients. We NEVER rent, sell, share, or otherwise release to outside parties any of our client's personal data (except where permission has been obtained). We DO NOT use client data for purposes other than maintaining the client/provider relationship. We do not operate advertising, marketing or other related businesses that use our own client's data other than mortgage lending purposes by United Fidelity Funding, Corp employees.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please contact us by clicking on the 'Contact Us' tab above and following the directions posted.
Lending Territories
United Fidelity Funding, Corp is an equal housing lender which is licensed to lend in several states. The States which we are licensed and the licence number information may be found by selecting 'Where we do Business' link above.
Read the article about UFF becoming one of the Top 25 Tech Savvy Lenders in the country
2010
February 2010 United Fidelility Funding, Corp rolls out an interactive document order form that originators can complete to order their initial disclosures or re-disclosure directly out of the EAGLE platform. This will ensure that fees are not missed by originators on the new binding GFE, causing very costly mistakes at closing.
January 2010 United Fidelity Funding, Corp allows brokers to order their HVCC compliant appraisals directly from the EAGLE platform. This process maintains HVCC compliance and gives the originator control.
Read articles regarding the technology release below:
http://brokeruniverse.com/making/fullstory/?story_id=453
2009
December 2009 United Fidelity Funding, Corp obtains new warehouse lines which triple its current lending capacity. This will allow UFF to maintain its current rate of growth; allowing UFF to serve more brokers in 2010.
July 2009 United Fidelity Funding, Corp signs with Loan Score Decisioning Platform to offer a complete front end price engine and AUS for originators to receive instant loan approvals and live pricing scenarios. The name of the platform is EAGLE (which stands for Electronic Automated Guaranteed Loan Engine).
January 2009 Sean O'Leary joins United Fidelity Funding, Corp as the National Sales Manager. Sean has over 20 years of experience and is a valuable addition to the UFF family. Sean will look to expand and develop the lending territory through out the states which UFF is licensed to do business.
2008
May 2008 United Fidelity Funding, Corp utilizes Delmar Datatrac's Docutrac platform to transition to an entirely paperless submission, underwriting and document shipping and storage work flow. Countless numbers of hours, thousands of dollars and hundreds of trees are saved (and counting) as a result of this transition. Overall efficiency is increased.
March 2008 United Fidelity Funding, Corp rolls out USDA's guaranteed rural housing 102% financing program to all brokers.
Don't Forget:
Include your loan number or your
account executive's name, if applicable,
in your message!
Toll Free:
(866) 760-0600
Corporate Offices:
4770 N Belleview Suite 210
Kansas City MO 64116
FHA Sponsor ID: 26557-0000-6
USDA: National Lender Approval
Alabama Lic# MC21071
Arkansas Lic # 43004
Colorado (Exempt Status)
Connecticut Lic # ML-34381
Florida Lic # ML.6760568
Illinois Lic # MB.6760568
Indiana Lic # 11139
Iowa Lic # 2008-0093
Kansas Lic # SL.0000322
Kentucky Lic # MC23287
Louisiana Lic # 37381
Minnesota Lic # 40134678
Missouri Lic # 10-1765
Nebraska Lic # 2004
Nevada Lic # 3176
Ohio (Exempt Status)
Oklahoma (Exempt Status)
South Carolina (Exempt Status)
Tennessee Lic # 3915
Texas Lic # 78490
Useful Links
USDA Property Eligibility
FHA Connection
FHA Loan Limits
Fannie Mae Programs
Zillow Value Finder
Fannie Mae Loan Limits
Become a Partner
Broker Application
Broker Recertification
Appraiser Application
General Broker Approval Criteria
Net Worth
$63,000, with $25,000 for each additional branch office
Liquid Assets
All mortgagees must maintain liquid assets (cash or readily convertible to cash, etc.) of 20% of their net worth - up to a maximum of $100,000
Staffing
The office must staff at least three (3) employees that conduct mortgage activities so that their office will be open to the public during normal business hours. All employees of the mortgagee, except the receptionist, must be employed exclusively and conduct only mortgage business during normal business hours.
Quality Control
The mortgagee must have in writing and maintain an on-going quality control plan.
Business Changes
All changes to the business operations must be reported within ten (10) days. Corporate changes include, but are not limited to, liquidation, termination, name change, location change or changes to the executives.
General Appraiser Approval Criteria
Credentials
Only FHA Certified Residential Appraisers. No appraisers requiring a supervisory signature.
E&O Insurance
Valid errors and omissions insurance with minimum coverage of $300,000
Technology
Appraisers must be able receive orders by email and have web access to upload appraisals upon completion.
Submit a sample appraisal for initial approval. Subsequent orders will be scored by an automated system. Appraisers are required to maintain a score of 80% to maintain eligibility.
Licensing Changes
All changes to the appraisers status must be reported immediatly. Changes include, but are not limited to licensing status changes, lapse of E&O insurance.
UFF Policy
UFF will maintain no fewer than 3 and no more than 10 appraisers per county which we do business. We look for appraisers with a very high work ethic, high capacity and high integrity. Any appraisers which violate the sanctity of the HVCC guidelines or generally accepted appraisal standards are excluded from future rotation of new appraisal orders.
Loan Programs
Rural Development
FHA
Conforming
Non-Conforming
General Guideline Disclaimer:
All guidelines are posted for professional use only.
Guidelines are subject to change without notice at any time. Adherence with these guidelines does not necassarily constitute a commitment to lend.
All loans must first receive an Approve from the EAGLE automated underwriting system; this approval is also subject to final underwriting review and validation of all materially represented facts being the same as those presented at time of application.
United Fidelity Funding, Corp is an equal opportunity lender. We comply with all state and federal laws and regulations. We reserve the right to reject any loan which violates or appears to violate any posted or un-posted guideline or contains information which is contradictory, misleading or false.
United Fidelity Funding, Corp has a strict, zero tolerance policy regarding fraud and mortgage related crimes. Our company reports all acts of mortgage fraud, regardless of the magnitude.
Downloadable Forms
Additional Appraisal
Authorization
Submission Form
Condo Approval Form
Borrower Acknowledgement
and Intent to Proceed
Final Doc
Scheduling Request
Rate Lock Forms
No lock forms are available. All loan locks are processed though the EAGLE web site. Any lock maintanence or extensions can be accomplished by
1. Calling the lock desk at (866) 760-0600 during normal posted lock desk hours or
2. Send an e-mail to submit_uffmortgage.com. If sending an e-mail you must have the word 'LOCK' in the subject line for it to get routed to the lock desk.
Doc Order Forms
Only final document scheduling forms are utilized. All disclosure document ordering is processed though the EAGLE web site.
Final document fees are prepared based off of the most recent Good Faith Estimate. Any disclosure or redisclosure of the Good Faith Estimate must be ordered through the EAGLE web site. All disclosures are emailed to the originator and borrower simultaneosly. Providing the borrower's e-mail address will expedite your closing.
Recent Bulletins
RESPA and HVCC
Policies 2010
Missouri Licensing
Policy
Credit Policy Change
Condition
Submission Policy
Lock
MDIA
Borrower Pre-Approval Request
Please complete the contact form on this page.
A representative from our company will contact you by the end of the following business day.
Thank you for your business!
