Note: For funding the loans in October 2019, loans must meet the cutoff dates given below.
| Loan Type and Purpose | Last Day for Loan Submission | Last Day to Submit Conditions | Last Day to send LE | Last Day to Request CD | Last Day for CD to be signed / acknowledged by borrower1,2 | Last Day to Submit Doc Request | Last Day to Sign Docs3 | Last Day to Receive Signed Docs Back3 |
|---|---|---|---|---|---|---|---|---|
| FHA Purchase | 10/18/2019 | 10/23/2019 | 10/22/2019 | 10/25/2019 | 10/26/2019 | 10/29/2019 | 10/30/2019 | 10/30/2019 |
| FHA Refinance | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| FHA Streamline Refinance | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| VA Purchase | 10/18/2019 | 10/23/2019 | 10/22/2019 | 10/25/2019 | 10/26/2019 | 10/29/2019 | 10/30/2019 | 10/30/2019 |
| VA Refinance | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| VA IRRRLs | 10/15/2019 | 10/18/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/29/2019 | 10/25/2019 | 10/30/2019 |
| USDA Purchase | 10/18/2019 | 10/23/2019 | 10/22/2019 | 10/25/2019 | 10/26/2019 | 10/29/2019 | 10/30/2019 | 10/30/2019 |
| USDA Refinance | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| Conventional Purchase | 10/18/2019 | 10/23/2019 | 10/22/2019 | 10/25/2019 | 10/26/2019 | 10/29/2019 | 10/30/2019 | 10/30/2019 |
| Conventional Refinance | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| HECM | 10/17/2019 | 10/22/2019 | -- | -- | -- | 10/24/2019 | 10/25/2019 | 10/30/2019 |
| Other Programs | 10/14/2019 | 10/17/2019 | 10/17/2019 | 10/21/2019 | 10/22/2019 | 10/24/2019 | 10/25/2019 | 10/30/2019 |
1 If the borrower does not acknowledge the receipt of the CD, an additional 3-day waiting period applies.
2 For purchase transactions, last day for CD to be signed is based on wet purchase. For dry purchase, Last Day for CD to be signed will be October 25, 2019.
3 Last day to Receive Signed Docs Back and Last Day to Sign Docs does not apply for wet purchase.