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what is a chums id

by Estella Beer Published 3 years ago Updated 3 years ago

Identification. CHUM stands for "Computerized Homes Underwriting Management." This is the system the FHA uses to automate the mortgage application process from assignment of the case number to endorsement. Video of the Day.

What is a Chums ID number on a house?

What is a chums ID? The lender will submit the information to HUD through the Computerized Homes Underwriting Management System (CHUMS) using the Lender Access System (CLAS). Once approved, CLAS sends an Underwriter Update Report with the underwriters CHUMS identification number to the lender, and the underwriter is officially certified.

What is chum and how does it work?

CHUM is the computerized system the FHA uses to track applications for single family mortgages. The Federal Housing Administration, a division of the Department of Housing and Urban Development (HUD), provides mortgage insurance for qualified borrowers. CHUM is the computerized system the FHA uses to track applications for single family mortgages.

What is a chum number on a clas report?

Once approved, CLAS sends an Underwriter Update Report with the underwriters CHUMS identification number to the lender, and the underwriter is officially certified. Click to see full answer. Just so, what does chums mean in mortgage? Identification. CHUM stands for "Computerized Homes Underwriting Management."

What is the difference between CLAS and Chums?

CHUMS checks the underwriter against the Credit Alert Interactive Voice Response System (CAIVRS) file. Once approved, CLAS sends an Underwriter Update Report with the underwriters CHUMS identification number to the lender, and the underwriter is officially certified.

What is FHA ID?

Sponsor/Agent ID. FHA's unique 10-digit identifier for the FHA-approved lender acting as a sponsor or agent for the mortgage originator. The lender's name, city, state, zip code and NMLS ID appear below the Sponsor/Agent ID.

How do I get my chums ID?

You have to work for a lender that is FHA/VA approved. You underwrite government files that are then checked by a senior underwriter that works for that same lender. Once you are good at underwriting the government files, the lender will get you a CHUMS number which will be your approval.

How long is a FHA conditional commitment good for?

Validity Period: This document expires 120 days from the effective date of the appraisal or the appraisal date.

What is a de certified underwriter?

What is a DE underwriter? A DE underwriter has direct endorsement qualifications from the Department of Housing and Urban Development (HUD) and can underwrite and approve government-insured loans. Certification enables underwriters to review a wide range of loans and manage the volatile rates most lenders experience.

What is chums for FHA?

CHUM stands for "Computerized Homes Underwriting Management." This is the system the FHA uses to automate the mortgage application process from assignment of the case number to endorsement.

How do you become a VA underwriter?

at least 3 years experience in processing, pre-underwriting or underwriting mortgage loans, and. at least 1 year of the most recent 3 years must have included making underwriting decisions on VA loans, or. a current AMP (Accredited Mortgage Professional) designation from the Mortgage Bankers Association (MBA), or.

What is a FHA conditional commitment?

An FHA conditional commitment is defined as a notice issued by the FHA lender with the notice for 120 days (Source), of his willingness of financing the mortgage loan if certain FHA loan requirements are met by the prospective homebuyer (Source), such as a credit score, a completed appraisal exercise performed on the ...

What happens if FHA appraisal fails?

Option #1: The seller can make repairs Give the real estate agents a copy of the home appraisal so they can see the issues first hand. The listing agent might be able to convince the seller to make repairs to meet FHA requirements in the interest of closing.

What does conditional commitment mean?

A conditional commitment letter states that a lender will offer the loan as long as certain conditions are fulfilled. Loans are always conditional in the early stages, but the conditions are cleared progressively as the loan moves through underwriting and processing.

How do I get de?

To obtain DE approval, a lender must demonstrate it has the qualifications, experience, and expertise to underwrite mortgage loans that satisfy FHA requirements. To maintain approval, a lender must consistently underwrite and close loans that meet all FHA requirements.

Can underwriters work from home?

As a remote underwriter, you work from home to review loan applications with the goal of helping a lender decide whether or not a borrower should be offered financial support through insurance, a mortgage, or other loan options.

How do you become an underwriter?

To become an insurance underwriter, you would generally need a bachelor's degree. However, insurance industry work experience may be sufficient for entry level roles. Degree level qualifications are necessary for advancement to senior underwriter and underwriter manager positions.

Warnings

Some lenders are requiring written tests to confirm that the potential employee will be qualified for direct endorsement certification. Therefore, training is important to be sure you have the knowledge necessary to pass such tests and can be certified once you are hired.

About This Article

wikiHow is a “wiki,” similar to Wikipedia, which means that many of our articles are co-written by multiple authors. To create this article, volunteer authors worked to edit and improve it over time. This article has been viewed 126,528 times.

About the Author

Gerard (Gerry) Glavey is Senior Vice President / Chief Credit Officer for LoanLogics. Gerry has decades of experience working in residential mortgage credit and compliance and brings insights that few in the industry can match.

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Appraisal Information Submitted via EAD or FHA Catalyst Portal

For appraisal report information submitted via the Electronic Appraisal Delivery (EAD) portal, the Appraisal Logging Update page is automatically pre-filled with the information submitted. However, the information should be reviewed.

Appraisal Information Entered Directly via Appraisal Logging

Obtain information for processing Appraisal Logging from the Appraisal Report. The basic procedure is:

Getting Case Information

On the Appraisal Logging page, enter the case number assigned to the mortgage loan in the FHA Case Number field.

Viewing the Electronic Appraisal Document

If the case has an electronic appraisal document, the View Electronic Appraisal link is displayed on the upper part of the Appraisal Logging Update and Appraisal Logging Results pages.

Compare Addresses

If the Appraisal Logging Update page is populated with appraisal information from the EAD or FHA Catalyst portal, the Appraisal Logging Update page initially displays two addresses: existing Address in CHUMS and the EAD Address or FHA Catalyst Address in the electronic appraisal report submitted. Compare the two addresses.

Entering or Editing the Appraisal Report Information

Enter or edit the Appraisal Report information in the following sections of the Appraisal Logging Update page: Property Information, Neighborhood Fields, Site Fields, Physical Characteristic Fields , Property Title/Rights Fields, Prior Sale Information, Reconciliation Fields, HECM Information, User Certification, and Presidentially Declared Major Disaster Area..

Extending the Validity Period of the Appraisal

An appraisal update can be performed if the initial appraisal has not expired. The updated appraisal is valid for a period of 240 days from the effective date of the initial appraisal being updated. The Appraisal Update and/or Completion Report, Fannie Mae Form 1004D, Freddie Mac Form 422 is completed by the appraiser.

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