Pinnacle Announcements January 2012 January 31, 2012 Funding Cutoff for DU Refi Plus loans with LTV/CLTV > 100% January 27, 2012 PCM Guideline Updates January 20, 2012 Updated PCM Pricing Policies and Procedures January 13, 2012 PCM Guideline Updates January 11, 2012 Relock and Extension fee increase for Conforming loans locked before January 11 January 10, 2012 PCM Hours for Martin Luther King, Jr. Holiday January 3, 2012 Type of Ownership for Financed Property Limitations - Guideline Change January 1, 2012 January 2012 Newsletter December 2011 December 30, 2011 PCM Guideline Updates December 21, 2011 Updated Rescission Period Guidance for Christmas and New Years Holiday December 21, 2011 FHA Streamline Refinance Payment History Guideline Update December 21, 2011 Updated Pricing Adjustments December 21, 2011 PCM Lock Desk Holiday Hours December 16, 2011 PCM Holiday Hours December 16, 2011 PCM Guideline Updates December 16, 2011 Upcoming Changes to DU Refi Plus December 14, 2011 PCM Loan Servicing Department Email Address December 7, 2011 Updated FHA High Balance Loan Limits December 6, 2011 PCM Lock Desk Hours for Friday, December 9 December 6, 2011 USDA Refinance Updates December 2, 2011 PCM Guideline Updates December 1, 2011 December 2011 Newsletter November 2011 November 18, 2011 PCM Guideline Updates November 16, 2011 PCM Hours for Thanksgiving Holiday November 4, 2011 PCM Hours for Veterans Day November 4, 2011 PCM Guideline Updates November 3, 2011 Temporary Lock and Funding Suspension on USDA Refinances November 3, 2011 MBFA No Longer Required November 1, 2011 November 2011 Newsletter October 2011 October 25, 2011 Temporary Online Pricing Suspension of Various FHA Streamline Programs October 14, 2011 PCM Guideline Updates October 13, 2011 Holiday Bonus October 11, 2011 USDA Funding October 11, 2011 VA Funding Fee Update October 7, 2011 Introducing the Good Neighbor Next Door loan product October 5, 2011 PCM Hours for Columbus Day - the Lock Desk will be OPEN! September 2011 September 30, 2011 PCM Guideline Updates September 22, 2011 Open Enrollment Period for Wholesale Broker Compensation Plans September 14, 2011 PCM Guideline Updates September 9, 2011 New Loan Limits September 2, 2011 PCM Guideline Updates September 1, 2011 September 2011 Newsletter August 2011 August 30, 2011 PCM Hours for Labor Day August 25, 2011 Updated Timelines for FHA High Balance loans August 22, 2011 Renegotiation Policy Update August 17, 2011 PCM Guideline Updates August 12, 2011 Temporary High Balance Loan Limit Expiration August 10, 2011 Free 10-Day Lock Extension & August Pricing Special August 9, 2011 Introduction of DU 8.1 & Retirement of DU 8.1 August 5, 2011 PCM Guideline Updates August 2, 2011 Broker Flat Fee Requirements August 1, 2011 August 2011 Newsletter July 2011 July 22, 2011 PCM Guideline Updates July 19, 2011 Introducing the Flat Fee Option for Broker Compensation July 8, 2011 PCM Guideline Updates July 1, 2011 July 2011 Newsletter June 2011 June 28, 2011 PCM Hours for Independence Day June 24, 2011 PCM Guideline Updates June 21, 2011 Open Enrollment Period for Wholesale Broker Compensation Plans June 10, 2011 PCM Guideline Updates June 1, 2011 June 2011 Newsletter June 1, 2011 Discontinuation of the My Community ARM Loan Term May 2011 May 27, 2011 PCM Guideline Updates May 24, 2011 Reminder: Important Dates Regarding Broker Compensation May 24, 2011 PCM Hours for Memorial Day May 16, 2011 May 2011 Newsletter May 13, 2011 PCM Guideline Updates May 6, 2011 PCM Conforming Guideline Updates May 2, 2011 Local Mortgage Company Transitions to Bigger Brand April 2011 April 22, 2011 Non-Owner Eligibility on Enhanced DU Refi Plus, Limited Appraisals on Conforming & other PCM Guideline Updates April 19, 2011 PCM Lock Desk Hours for Friday, April 22 April 8, 2011 125% Enhanced DU Refi Plus, CHF Platinum, Guideline & Form Updates April 5, 2011 New USDA Appraisal Ordering Requirements April 5, 2011 Implementation of Loan Officer Compensation Rule April 1, 2011 PCM Guideline Updates April 1, 2011 Loan Officer Compensation Rule Delay April 1, 2011 April 2011 Newsletter March 2011 March 25, 2011 Important Dates Regarding Broker Compensation Changes March 18, 2011 PCM Guideline Updates March 17, 2011 HomePath Logo Updates March 15, 2011 DU Refi Plus Loan Program Extension March 11, 2011 PCM Underwriting Guideline Updates March 1, 2011 March 2011 Newsletter February 2011 February 24, 2011 CHF Platinum Program February 23, 2011 CHF Platinum Program February 18, 2011 Rate Sheet Changes February 14, 2011 PCM Hours For Presidents Day February 11, 2011 Rate Sheet Changes February 1, 2011 February 2011 Newsletter January 2011 January 14, 2011 Risk Based Pricing Adjustments January 11, 2011 PCM Hours For Martin Luther King Day January 1, 2011 January 2011 Newsletter December 2010 December 27, 2010 PCM Hours For New Years Holiday December 20, 2010 Updated PCM Hours For Christmas Holiday December 17, 2010 PCM Hours For Christmas Holiday December 9, 2010 PCM Loan Program Elimination December 6, 2010 PCM Lock Desk Hours Due To Holiday Party December 1, 2010 December 2010 Newsletter November 2010 November 19, 2010 PCM Guideline Updates November 18, 2010 HUD REOs and HUD Sales Incentives November 17, 2010 PCM Hours for Thanksgiving Holiday November 5, 2010 PCM Hours For Veterans Day Holiday November 5, 2010 PCM Conforming Guideline Updates November 5, 2010 Introducing the Flex 97 Loan Program November 1, 2010 November 2010 Newsletter October 2010 October 15, 2010 USDA Underwriting Guideline Updates October 8, 2010 PCM Underwriting Guideline Updates October 5, 2010 PCM Hours for Columbus Day Holiday October 1, 2010 October Newsletter September 2010 September 17, 2010 Reduced Extension Fees and Pricing Policy Updates September 10, 2010 Introducing the Enhanced DU Refi Plus Loan Program September 10, 2010 Updated DU Refi Plus Pricing Adjustments September 3, 2010 PCM Underwriting Guideline Updates September 2, 2010 Changes to FHA Mortgage Insurance Premiums September 2, 2010 PCM Lock Desk Hours for Friday, September 3 September 1, 2010 September Newsletter August 2010 August 31, 2010 PCM Hours for Labor Day Holiday August 19, 2010 LP not Eligible on 3/1 and 5/1 ARMs August 13, 2010 Updated Tax Return Guidelines August 12, 2010 Upcoming Changes to FHA CLTV limits August 8, 2010 PCM Platinum Enhancements August 5, 2010 PCM Updated Guidelines August 1, 2010 August Newsletter July 2010 July 30, 2010 HO-6 "Walls-In" Condo Insurance Updates July 30, 2010 Updated VA Guidelines July 21, 2010 Introducing PCM Platinum July 1, 2010 New Lock Extension Fees June 2010 June 30, 2010 July Newsletter June 30, 2010 Local mortgage company isnt just green, theyre going black June 25, 2010 PCM Hours for Independence Day Holiday June 18, 2010 PCM Guideline Updates June 11, 2010 Lock and Closing Cutoff Dates for Loans Using DU Version 8.0 June 11, 2010 PCMs Loan Quality Initiative Policy June 3, 2010 DU Version 8.1 June 3, 2010 Updated Guidance on PCM USDA Loans May 2010 May 28, 2010 The Meaning of Memorial Day May 28, 2010 New USDA Lock Requests are now accepted May 27, 2010 Disclosure of Transfer Taxes May 27, 2010 Discontinuation of Jumbo IO and Jumbo Cash-Out 3-4 units May 27, 2010 Updates to Minimum Credit Score Requirements and Pricing Adjustments May 25, 2010 PCM Hours for Memorial Day May 19, 2010 USDA Update May 18, 2010 Guideline Updates May 14, 2010 Lock Desk Phone Hours for Friday, May 14 May 13, 2010 HomePath Eligible Properties May 13, 2010 Temporary Suspension of USDA Lock Requests May 11, 2010 PCMs Northwest Office is Moving to a New Location May 11, 2010 Updated PCM Pricing Policies and Procedures May 7, 2010 PCM Guideline Updates April 2010 April 30, 2010 Introducing the My Community Mortgage Loan Program April 16, 2010 PCM Guideline Updates April 14, 2010 Updated RESPA Reform Policy Statement April 9, 2010 Underwriting Guideline Updates April 2, 2010 RESPA Reform Reference Material Updates April 2, 2010 Introducing the HomePath Loan Program March 2010 March 31, 2010 PCM Lock Desk Hours for Friday, April 2 March 31, 2010 National Flood Insurance Program Update March 26, 2010 Updated FHA Guidelines March 24, 2010 Increase in Upfront Premiums for FHA Mortgage Insurance March 16, 2010 USDA Loan Process Update March 9, 2010 Updated PCM Conforming High Balance Guidelines March 2, 2010 Updated PCM Conforming Guidelines February 2010 February 12, 2010 New and Revised RESPA Reform Reference Materials February 12, 2010 New PCM Appraisal Website February 11, 2010 FHA Appraiser Independence February 8, 2010 PCM Hours for Presidents Day February 4, 2010 PCMs Anti-Flipping Policy January 2010 January 29, 2010 Updated RESPA Reform Reference Materials January 21, 2010 Updated FHA Guidelines January 13, 2010 Humboldt County Earthquake and Disaster Area Policy January 12, 2010 Required TIL Verbiage January 11, 2010 PCM Hours for Martin Luther King Day January 6, 2010 Updated PCM Pricing Policies December 2009 December 31, 2009 RESPA Reform Tools and Clarification December 30, 2009 2010 Loan Limits December 30, 2009 Pricing Policy Changes December 23, 2009 RESPA Reform December 18, 2009 PCM Holiday Hours December 11, 2009 December 11th Lock Desk Hours December 9, 2009 DU Version 8.0 Release November 2009 November 24, 2009 Thanksgiving Holiday Lock Desk Hours November 20, 2009 Thanksgiving Day Holiday November 18, 2009 New FHA Credit Score Requirements November 13, 2009 FHA Streamline Refinance Guideline Changes November 10, 2009 Veterans Day Lock Desk Hours November 6, 2009 Introducing PCMs VA Loan Program November 5, 2009 HUD-1 Settlement Statement Requirements November 5, 2009 Veterans Day Holiday October 2009 October 29, 2009 Online Lock Request Requirement October 27, 2009 Underwriting Guideline Updates October 9, 2009 Columbus Day Lock Desk Hours October 8, 2009 Columbus Day Holiday October 2, 2009 Higher Priced Mortgage Loans September 2009 September 18, 2009 HVCC Appraisal Transfers September 16, 2009 New DU Refi Plus Pricing Adjustments September 2, 2009 Labor Day Holiday September 1, 2009 FHA FICO Pricing Adjustment Changes August 2009 August 27, 2009 PCM DO Sponsorship August 18, 2009 Conforming Guideline Changes August 7, 2009 DU Refi Plus Changes August 7, 2009 New PCM Mortgagee Clause July 2009 July 31, 2009 CLARIFICATION: Changes to Mortgage Disclosure Requirements July 27, 2009 Changes to Mortgage Disclosure Requirements