The fresh new Department plus offers to amend (c) and you can create sentences (c)(1) and you may (2) to explain the two type of financing who would remain manually underwritten. Basic, financing things not supported by the latest automated origination system, like sleek-assist re-finance deals, need to be manually underwritten and you will submitted thru secure current email address or any other digital means approved by the Department. Next, money downgraded about agency’s automatic origination program require guide underwriting, even though lenders do however complete the borrowed funds documentation through the Agency’s automated options.