Other Guidelines, Standards, and/or Certifications:

• Secondary Market Agency Underwriting (GSE's) Guidelines - Outlines the individual agency's underwriting guidelines, to the lender, for their purchase of mortgages. Currently there are four Government Sponsored Enterprises (GSE), commonly referred to as Second Marketing Agencies. They are Fannie Mae, Freddie Mac, U.S. Department of Housing & Urban Development's Federal Housing Administration (HUD/FHA), and the U.S. Department of Veterans' Affairs (VA).
  
• NAMB CODE OF ETHICS; NAMB PROFESSIONAL CERTIFICATIONS; NAMB BEST BUSINESS PRACTICES (in development) - The industry is committed to increasing its public perception as a leading player in the real estate community through industrywide certification programs and an on-going pledge to the accuracy and quality of its products and services.
  
• IN-HOUSE QUALITY CONTROL (QC) POLICIES AND PROCEDURES -- Over 71% of Mortgage Brokers have QC policies and procedures in place. These include written documentation staff training, and independent reviews.