TPO Resource Center

Seller Resources
Within this library of resources, you will find bulletins that keep you informed of regulation changes and new product rollouts, breaking news announcements, product guidelines and overlay matrices, and much more.
BECOME AN APPROVED PARTNER
BULLETINS
GUIDELINES & LOAN MATRICES
POLICIES & PROCEDURES
BECOME AN APPROVED PARTNER
Become an Approved Correspondent Partner
WHY PARTNER WITH US?
It’s simple. We’re different. We believe that providing extraordinary service and building strong relationships is what creates true success. Merchants Bank has grown into a multi-channel mortgage bank operating in most states and the District of Columbia. Today, we are still passionate about maximizing our clients’ growth through an elevated partnership.
Experience the benefits of a national lender with the high-touch service of a local business partner.
View Seller’s Guide for Qualifications 〉
BULLETINS
2024
List of documents with links.
GUIDELINES & LOAN MATRICES
Loan Program Matrices
- Overlay Matrix – All Financing Types
- Fannie Mae
- Fannie Mae HomeReady™
- Freddie Mac
- Freddie Mac HomePossible®
- USDA
- VA
Program Guidelines
- Conventional
- RefiNow
- RefiPossible
- MH Advantage (manufactured homes)
- USDA
- VA
- FHA/VA Manufactured Home Addendum
- 203(h) Disaster Relief FHA Guideline Addendum
- Escrow Holdback Guideline Addendum
- 6200 Series Jumbo AUS
- 6200 Series Jumbo
- 6400 Series Jumbo
- 6600 Series Jumbo
- Jumbo Express Series
- Solar Express Guidelines
- Jumbo Comparison Matrix
Program Guidelines
- GOVT ARM Change Date Matrix
POLICIES & PROCEDURES
Policies & Procedures
- Appraisal Review Using FNMA Collateral Underwriter®
- Policy Quick Reference Guide
- Condo Project Review Desk Procedures
- Disaster Policy
- Disaster List
- HMDA Policy
- HPML & HPCT Exception Policy
- Income Validation Policy
- Non-Agency Submission Procedures
- Non-Agency Lock Policy
- Principal Curtailment Policy
- VA Fees Policy