Introducing The Mainsail—your monthly guide to key updates and insights to help you stay informed and ahead. In a constantly shifting market, we’re here to provide clarity, direction, and steady support every step of the way.
Product Spotlight
Agency Investor Plus Expansion
Our Agency Investor Plus product has been enhanced to now offer up to 90% LTV on investor properties.
- 90% LTV
- Vest in an LLC
- 10+ Properties
- IO and Prepayment options
Jumbo Product is being expanded
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For complete details view AllRegs |
Non-Agency Corner
If you haven’t launched the Silver Hill Agency NOO Best Efforts product, please reach out to your Sales Rep ASAP! This product will help you win more of that business and could improve your overall execution.
On Deck: Training Opportunities
We’re excited to introduce newly updated guidelines for two of our most powerful loan programs—Agency Investor Plus and Jumbo AUS—designed to help more borrowers qualify with greater ease and flexibility.
Join us this month as we offer training sessions for both programs and highlight these updated guidelines.
Behind the Scenes: CRM, Docs & PPP
- Joinder Amendment: You may have recently received an Additional Purchaser Notice from our CRM team.
- Non-Agency closing documents are now available through DocMagic.
Contact your sales coverage for more details
Affordable Lending at a Glance
As of April 20th DSHA (Delaware State Housing Authority) will begin allowing HFA Preferred Fannie Mae Loans.
What’s New in Credit Policy
Key Points on Agency Condo Project & Property Insurance Updates
Property Insurance
- Eliminated replacement cost (RC) calculation/documentation requirements
- Accept flexible evidence of coverage sufficiency (insurer estimates, endorsements)
- Roofs no longer required at replacement cost (ACV allowed)
Condo / Project Standards
- Expanded no-review/waiver eligibility (2–10 units)
- Limited (Fannie) and Streamlined (Freddie) Review processes eliminated
Recent Announcements
Jumbo AUS Updates
Non-Agency Updates
Fannie Mae Bulletin 2026-02,
Freddie Mac Bulletin 2026-3 &
Lakeview National and Freddie Mac Home Possible Matrix Updates
Home in Five Advantage Program Update
Click here to view all announcements
Capital Markets Insights
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Texas Capital is now an eligible broker dealer for Lakeview AOT. Contact your VP or AVP for our most current approved broker dealer list
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FTHB indicator: Please ensure this field is accurately included on your bulk bid tapes
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PPP requirements were updated in March for applicable Non-Agency products in Ohio & Pennsylvania
Upcoming Holidays
With Memorial Day coming up (Monday, May 25), we’ll be sharing details about adjusted hours of operation. Stay tuned for our upcoming announcement.
Conferences
Where we’ve been
VPs of Correspondent Sales, Vicky Visconti and Tom Dawson, along with AVP Mac Smith, represented the team at the Texas MBA 110th Annual Convention in Austin. The event highlighted the industry’s strong foundation and forward momentum.
The team connected with correspondent customers and joined breakout sessions centered on “Burn the Playbook,” exploring new ways of doing business. They also participated in discussions on the impact of AI in the mortgage industry, including its role in improving operational efficiencies, enabling faster underwriting, advancing appraisal automation, strengthening fraud detection, and enhancing the overall customer experience. Keynote speakers included President of Ginnie Mae, Joe Gormley; HUD Deputy Secretary, Andrew Hughes and HUD Secretary Scott Turner, reinforcing an optimistic outlook for the mortgage industry.
Didn’t get a chance to connect at the conference? Reach out to schedule a meeting and learn how we can support you.
Where we’re going
We’re excited to share that our team will be attending the upcoming MBA Secondary and Capital Markets Conference in New York from May 17–20 and hosting meetings at the W Hotel in Times Square. This is a great opportunity to connect in person and discuss how we can support your business growth.
If you’re planning to attend, click here to schedule time with our team to align on your goals and strategies for the months ahead.
