FHA Handbook Change Comparison

Sep 14
Category | EMM Wholesale

Please be advised that all new loans should be registered with Encompass credentials that were supplied to each broker. If you have not received your login credentials please contact:
We thank you for your support and look forward to a continued partnership with your team!


Sep 3
Category | EMM Wholesale

EMM Holiday Schedule


Monday, September 7, 2015 – Labor Day

In observance of the Labor Day holiday, E Mortgage Management LLC and EMM Wholesale offices will be closed on Monday, September 7, 2015 and should not be counted as a rescission day.



Rate Lock Desk

EMM lock desk will be open during normal business hours on Friday, September 4, 2015.  The lock desk will be closed on Monday, September 7, 2015 and EMM will not issue rate sheets. Be sure to request any necessary extensions to accommodate the rescission period.  Normal business hours will resume on Tuesday, September 8, 2015.



Please note in observance of Labor Day, the corporate offices will close at 3pm local time on Friday, September 4th. All Managers should use their judgment when preparing to leave, and make certain that all necessary duties and responsibilities are complete.

REMINDER – Impact on TILA MDIA Requirements

Monday, September 7, 2015 is a federal holiday; therefore this date cannot be included in counting the seven business day waiting period from when the initial TIL was provided to consummation. When re-disclosure of the TIL is required, this date also cannot be included in counting the three business day period from when a revised TIL was provided to a borrower to consummation. 

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