Exception and CIC Request - Sims Mortgage Team

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Change Request Terms
Use this form to submit circumstance and change requests for existing borrowers
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Who Is Your Loan Officer*
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Loan Officer ID
Password*
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Request Type
Request Type*
Please indicate the type of request you're looking to submit
Re Submit Type*
Please indicate why you feel the need to resubmit this loan
Request Details*

Borrower & Loan Info
Borrowers Full Name*
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Lender*
Loan Number*
(If applicable, else type N/A if not an active loan)
Closing Date*
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Rate Expiration Date*
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Consent & Authorization*
I agree to the change request terms
I agree and understand that if there is any additional cost incurred to fulfill this change request. I as the loan officer will be responsible for such cost.

I also understand that processing is a service charge to the borrower for the time and effort it takes to process a loan from start to finish. As such any discounts or waiver of processing fees will be a chargeback to the loan officer. There are no exceptions to this rule, so please do not ask for an exception as refusal often offends.

Additionally, if a loan change request is denied, there is no supreme court to overturn the ruling, so keep moving on and sell more loans.

If a change request is granted, and the loan officer and borrower both agree to the change requested, the loan officer shall be responsible for any additional cost to move.

All loan resubmissions are subject to a resubmission fee of $375. If a resubmission is granted, then the loan officer shall be responsible for the additional resubmission cost.

If a resubmission is denied and the loan cancels the cancellation will go against your pull-through rate which determines your level of compensation.

Texas Consumer Complaint and Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Pre-approval is based on a preliminary review of credit information provided to Calyx Mortgage, Inc d/b/a Sims Mortgage Team which has not been reviewed by Underwriting. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.

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