Jennifer Nelms, Residential Mortgage Loan Originator, NMLS #799488

01/01/2026

Have a blessed 2026!

11/11/2025

Honoring all who served. Thank you

10/24/2025

Congratulations to my landlord on accepting an application on his investment home in the Heights.

10/24/2025

Happy Friday! This about sums up my day 🫣

07/04/2024

04/15/2024

Fannie Mae released today

Selling Notice April 15, 2024

Real Estate Commissions and Interested Party Contributions

We are aware of the proposed settlement agreement, subject to court approval, announced by the National Association of
REALTORS® (NAR) in the Burnett et al and Moehrl et al cases. While there are no immediate changes to our Selling Guide policies,
we are clarifying the current treatment of seller-paid real estate agent fees under our interested party contributions (IPCs) policy.

Selling Guide B3-4.1-02, Interested Party Contributions (IPCs) permits interested parties (including property sellers) to make
contributions to the borrower’s closing costs subject to maximum limits ranging between 2% and 9% of the property value.

Typical fees and/or closing costs paid by a seller in accordance with local custom, known as common and customary fees or costs,
are not subject to the IPC limits described in Selling Guide B3-4.1-03, Types of Interested Party Contributions (IPCs).

If a seller or seller’s real estate agent continues to pay the buyer’s real estate agent commission in accordance with local common and
customary practices, these amounts are not required to be counted towards the IPC limits for the transaction.

As part of our standard risk management practices, we continuously review and evaluate our Selling Guide policies.

We will continue to monitor the various real estate agent commission lawsuits and settlements and evaluate the potential implications to the mortgage industry and our policies.

We are aware of the proposed settlement agreement, subject to court approval, announced by the National Association of REALTORS® (NAR) in the Burnett et al and Moehrl et al cases. While there are no immediate changes to our Selling Guide policies, we are clarifying the current treatment of seller-p...

03/28/2024

It’s that time of year again!

03/09/2024

Don’t forget to spring forward, y’all 🌸 🕰️