BankerBroker.com have implemented the following changes for DU REFI Streamline Refinances:

· A completed 1003 is now required.

· All income, asset and total monthly liabilities must be listed on the 1003.

· Income documentation is not required.

This change is effective on all submissions dated 10/25/2010 and later. This and other investor guidelines is due to the market conditions worsening and are all signs of a tighter credit markets.