A tool to assist you in determining monthly cash flow from properties where rents are received or that are owned as investment properties.  You can calculate net cash flow using two years of income and expenses information provided on Schedule E of the tax returns.

HUD has announced changes to FHA loan limits effective on October 1, 2011.  In order to still qualify for the current loan limits, the file must have a case number and credit approval on or before September 30, 2011.  In part, HUD's definition of credit approval includes the appraisal date.  The appraisal effective date must be on or before September 30.  The full definition can be found on page 10 of the mortgagee letter. 

Program basics and helpful information for USDA loans

Checklist, disclosures, and reminders for a VA streamline refi

USDA guidelines

Instructions for completing the VA Loan Analysis form (VA Form 26-6393)

List of fees and whether or not they are included in the APR.

Tax impound schedule for Texas properties to use when figuring the number of months of tax escrow to collect at closing.

Instructions on how to estimate hazard impounds for refinances.

Excel spreadsheet to use to calculate the upfront guarantee fee for USDA loans.  The rate is currently 3.5% but will be reduced to 2% on October 1, 2011.  2% is in the dropdown in the Rate space.