Fannie Mae guidelines
if a lender like ICM (aka "pulte mortgage") lends by brokering the loan, but they also use Fannie Mae guidelines, is the lender tied to all of the FM guidelines, or do they pick and choose what specific FM guidelines to go by in order to make the loan buyer happy? under what authority/rules/regulations does ICM have to follow? just wondering because on some things ICM says they have to because FM says they have to, such as "FM, not pulte, charges .25% to waive escrow". i cant find this FM rule.
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