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8.7 Mortgage/Deed of Trust
A certified, true copy of the Mortgage or Deed of Trust including any applicable riders must be included in the closed Loan File delivered to PHH. The certification must be stamped on the document and read “Certified to be a true and exact...

Resources > FAQ > CHAPTER-8-FILE-DELIVERY > 8-7-Mortgage-Deed-of-Trust

8.8 Name Affidavit
A notarized name affidavit may be required. The borrower’s typed name on all documents in the closed Loan File should match his signature. The name affidavit must provide all variations of a person’s name and/or signature. If applicable,...
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Resources > FAQ > CHAPTER-8-FILE-DELIVERY > 8-8-Name-Affidavit

8.9 Power of Attorney (POA)
If applicable, a certified true copy of the POA must be included in the closed Loan File. The certification must be stamped on the document and read “Certified to be a true and exact copy of the original.”
  • Borrowers name must...
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8.10 Blanket Authorization
A blanket authorization is required on all loans and must be signed by each borrower. This is a requirement of all originating Clients and allows PHH and/or its successors or assigns to re-verify information contained in the file post funding....

Resources > FAQ > CHAPTER-8-FILE-DELIVERY > 8-10-Blanket-Authorization

8.12 Survey
A current survey is required if the title policy contains any survey exceptions that will not be deleted from the final title policy. If the title company does delete any survey exception from the final title policy, a survey is not required. If...

Resources > FAQ > CHAPTER-8-FILE-DELIVERY > 8-12-Survey