Author: VanDyk Mortgage

Hello,

Below are two links on different 401(k) webinar videos that are designed to help employees better prepare for their financial futures. Please read the descriptions on each video and choose the video(s) that may be most useful for your situation. After clicking on a link, you will be requested to enter some basic information to have access to the videos.

In this webinar, a Transamerica retirement planning consultant covers the easy to use, easy to read, intuitive retirement readiness tool called Your Retirement Outlook®. – WATCH WEBINAR

In this webinar, a Transamerica retirement planning consultant will cover the Roth Contribution option offered in the VanDyk Mortgage 401(k) Profit Sharing Plan and Trust. – WATCH WEBINAR

If you have any questions with your financial future, we strongly suggest reaching out to the plan’s financial advisor, Jeff Dykstra at Merrill Lynch at Jeffrey.L.Dykstra@ML.com. His services are part of the plan and at no cost to you. Please don’t hesitate to contact him with any questions.

All other questions can be directed to 401k@vandykmortgage.com.

ATTN: All Staff

RE: Emergency Preparedness

In the event of a closing of the Clearwater Operations Center next week due to Hurricane Dorian please be advised of the following:

1. All employees working out of the Clearwater site have received direction to take their laptop computers with them when they leave this weekend in order to have ability to work from home so that business ops may continue as usual
2. In the event that employees are unable to work due to power and/or internet outages your contacts will be as follows:

• Underwriting: Loree Haugom, telephone number 727-214-6491 OR 616-940-3000 and call will be forwarded to Loree
• Closing/Compliance: Ryan VanDyk, telephone number 616-974-9212
• Retail Processing: Mary Spirou, 727-497-6625 OR 616-940-3000 and calls will be forwarded to Mary

1. We have many employees in each department who work offsite already outside of Florida and they will be prepared and able to work on all files requiring immediate attention
2. Final Inspection – FEMA Disaster Area Final Inspection will be required on all files where the subject property is located in a county designated a disaster area by FEMA. The FEMA Inspections cannot take place until after the designation is made and will be required prior to closing. We have seen in the past that the disaster area designation can take up to a few days after an major weather event happens as it takes FEMA time to assess the situation. Given this scenario, business will continue as usual until we know where inspections will be required. Costs of inspections can be re-disclosed to the borrowers. Inspections required for any loans already closed will be covered by VDM.

If you have any questions or concerns, please do not hesitate to reach out to Rich Passanante, Loralynne Ball or Jeanie Nivison.

Thank you.

To better assist our branches, please see the below timeline, based on Estimated Closing Date, for CD deadlines during our upcoming 3 day weekend:

ECDs for Tues, 9/3, will all need TRID Ready by Weds, 8/27 and CD disclosed and executed by Thursday, 8/28.

ECDs for Weds and Thurs, 9/4 and 9/5, will all need TRID Ready by Thurs, 8/28 and CD disclosed by Friday 8/29, executed by Fri 8/29.

Our offices are closed on Mon 9/2 so you must prepare your borrowers accordingly.

ECDs for Fri 9/6, will need TRID Ready by Fri, 8/29 and CD disclosed Tuesday, 9/3.

Thank you, and please reach out to compliance@vandykmortgage.com with any questions or concerns!

To better assist our branches, please see the below timeline, based on Estimated Closing Date, for CD deadlines during our upcoming 3 day weekend:

ECDs for Tues, 9/3, will all need TRID Ready by Weds, 8/27 and CD disclosed and executed by Thursday, 8/28.

ECDs for Weds and Thurs, 9/4 and 9/5, will all need TRID Ready by Thurs, 8/28 and CD disclosed by Friday 8/29, executed by Fri 8/29.

Our offices are closed on Mon 9/2 so you must prepare your borrowers accordingly.

ECDs for Fri 9/6, will need TRID Ready by Fri, 8/29 and CD disclosed Tuesday, 9/3.

Thank you, and please reach out to compliance@vandykmortgage.com with any questions or concerns!

To: All Staff

From: Production Support and UW Mgmt

FHA has just issued new guidance for cash out refinances that will affect ALL loans with FHA case numbers assigned on or after September 1, 2019.

The maximum LTV for a cash out refinance will be limited to 80% Loan to Value. This is a change from current FHA guidance which allows for 85% LTV on a cash out refinance.

If you are working on any refinances where this could impact the loan scenario you’ve disclosed to your borrower make sure you have a FHA case number assigned as soon as possible.

If you aren’t sure how to pull a FHA case number, please reach out to Production Support for assistance.

Dear Employees,

2019 Annual Employee Training period has begun!  Employees who complete all 8 training modules by Aug 26, will be awarded 50 points on the intranet gaming platform.

Anyone hired after 1/1/2019 has already met the employee training requirement for 2019 during the onboarding process, thus will not need to complete it again this year.  Below are a few instructions to help you get started.

1. Click on this link to access the Annual Training …     https://vandykmortgage.ispringlearn.com/organization/1/view/23992-nqBKA-wV1Wc-A3oE5  You can access the training on any smart mobile device!
2. You will be directed to log into iSpring.  If you have forgotten your password, click on “forgot your password”and follow the prompts.
3. You will then be directed to the Annual Employee Training modules.  To open each training modules, follow the instructions below.  There are 8 modules to complete.

You can view the modules in any order you wish.

Click on the drop down arrow by “1 course”, then click on training title.

On the bottom of each slide is a navigation bar.  Here you can enlarge the size of the presentation, control the volume and move forward in the presentation.

This bar also reflects the slide number you are on, and the total number of slides in the presentation, not including the quiz.

For example, the bar below shows 4 / 21.  This means you are on the 4^th slide and there are 21 total slides in this module.

4.  When you have completed the quiz, hit the escape buttonon your keyboard, then click on the X on the top right corner of the module to exit the presentation.

You will be returned to the iSpring dashboard where you can select the next training module.

5. Each time you pass a course, a certificate of completion will be automatically emailed to you.  The iSpring system will also track your certificates for future reference.  Please DO NOT email us your certificate.

Should you have any questions or issues, please contact Sarah at 616-974-9277 orsshilling@vandykmortgage.com.

Happy Training!