Bulletins

2024

Bulletin 24-53: FEMA Disaster Declaration for the State of West Virginia
Bulletin 24-52: VA Loan Limits for 2025
Bulletin 24-51: FHA 2025 Loan Limits
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Bulletin 24-50: Conventional Loan Limits for 2025 – REVISED
Bulletin 24-49: Requesting an Appraisal: AMC Assignment for Fannie Mae, Freddie Mac, and Investor Solution Transactions
Bulletin 24-48: FEMA Disaster Declaration for the State of New Mexico
Bulletin 24-47: Update to Mortgagee Clause Address for Title Insurance, CPL, and E&O Insurance
Bulletin 24-46: Updated Florida Condominium Project Requirements: Fannie Mae, Freddie Mac, Investor Solution, Access, and Elite Access Transactions
Bulletin 24-45: FEMA Disaster Declaration for the State of Alaska
Bulletin 24-44: FEMA Disaster Declaration for the State of Florida – REVISED
Bulletin 24-43: FEMA Disaster Declaration for the State of Virginia – REVISED
Bulletin 24-42: FEMA Disaster Declaration for the State of Tennessee – REVISED
Bulletin 24-41: FEMA Disaster Declaration for the State of Georgia – Hurricane Helene – REVISED
Bulletin 24-40: FEMA Disaster Declaration for the State of South Carolina – REVISED
Bulletin 24-39: FEMA Disaster Declaration for the State of Florida – REVISED
Bulletin 24-38: FEMA Disaster Declaration for the State of North Carolina – REVISED
Bulletin 24-37: FEMA Disaster Declaration for the State of Vermont
Bulletin 24-36: FEMA Disaster Declaration for the State of Georgia
Bulletin 24-35: FEMA Disaster Declaration for the State of Connecticut
Bulletin 24-34: FEMA Disaster Declaration for the State of Illinois
Bulletin 24-33: Fannie Mae and Freddie Mac Increased Conforming Loan Amount for 2025
Bulletin 24-32: FEMA Disaster Declaration for the State of Louisiana
Bulletin 24-31: FEMA Disaster Declaration for the State of Pennsylvania
Bulletin 24-30: Access (Non-QM) Program Enhancements and Updates
Bulletin 24-29: FEMA Disaster Declaration for the State of Vermont
Bulletin 24-28: FEMA Disaster Declaration for the State of South Dakota
Bulletin 24-27: FEMA Disaster Declaration for the State of Florida – REVISED
Bulletin 24-26: FEMA Disaster Declaration for the State of Minnesota
Bulletin 24-25: FEMA Disaster Declaration for the State of Kentucky
Bulletin 24-24: FEMA Disaster Declaration for the State of Missouri
Bulletin 24-23: FEMA Disaster Declaration for the State of Texas – Hurricane Beryl – REVISED
Bulletin 24-22: FEMA Disaster Declaration for the State of Iowa – REVISED
Bulletin 24-21: FEMA Disaster Declaration for the State of New Mexico – REVISED
Bulletin 24-20: FEMA Disaster Declaration for the State of Florida
Bulletin 24-19: FEMA Disaster Declaration for the State of Oklahoma
Bulletin 24-18: FEMA Disaster Declaration for the State of Mississippi
Bulletin 24-17: FEMA Disaster Declaration for the State of Arkansas – Revised
Bulletin 24-16: FEMA Disaster Declaration for the State of Iowa – REVISED
Bulletin 24-15: FEMA Disaster Declaration for the State of Kentucky
Bulletin 24-14: FEMA Disaster Declaration for the State of West Virginia
Bulletin 24-13: Enhancements and Updates to Elite Access (Non-QM)
Bulletin 24-12: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 24-11: FEMA Disaster Declaration – Iowa
Bulletin 24-10: FEMA Disaster Declaration for the State of Nebraska
Bulletin 24-09: FEMA Disaster Declaration for the State of Ohio
Bulletin 24-08: FEMA Disaster Declaration for the State of Oklahoma – Revised
Bulletin 24-07: FEMA Disaster Declaration for the State of Rhode Island
Bulletin 24-06: FEMA Disaster Declaration for the State of Maine
Bulletin 24-05: Fannie Mae, Freddie Mac, and Non-QM Condo Project Questionnaires
Bulletin 24-04: FEMA Disaster Declaration for the State of Maine
Bulletin 24-03: FEMA Disaster Declaration for the State of California
Bulletin 24-02: 2023 W-2/1099 and Tax Return Requirements
Bulletin 24-01: Enhancements and Updates to Elite Access (Non-QM)

2023

Bulletin 23-53: FEMA Disaster Declaration for the State of Tennessee
Bulletin 23-52: Enhancements and Updates to the Access (Non-QM) Program
Bulletin 23-51: FHA 2024 Loan Limits
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Bulletin 23-50: VA Loan Limits for 2024
Bulletin 23-49: Conventional Loan Limits for 2024
Bulletin 23-48: FEMA Disaster Declaration for the State of Illinois
Bulletin 23-47: Enhancement to Access (Non-QM) Investor Cash Flow Transactions
Bulletin 23-46: Enhancement to Access and Elite Access (Non-QM) Programs Condominium Project Reviews
Bulletin 23-45: Enhancement to Fannie Mae 2-4 Unit Maximum LTV/CLTV
Bulletin 23-44: Fannie Mae and Freddie Mac Increased Conforming Loan Amount for 2024
Bulletin 23-43: Requesting an Appraisal on Fannie Mae and Freddie Mac Transactions
Bulletin 23-42: Access (Non-QM) Enhancements and Updates
Bulletin 23-41: Updates to Fannie Mae and Freddie Mac Condominium Project Review Requirements
Bulletin 23-40: FEMA Disaster Declaration for the State of Georgia
Bulletin 23-39: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 23-38: FEMA Disaster Declaration for the State of Illinois
Bulletin 23-37: FEMA Disaster Declaration for the State of Mississippi
Bulletin 23-36: FEMA Disaster Declaration for the State of Hawaii – REVISED
Bulletin 23-35: Supplemental Consumer Information Form: FHA Transactions
Bulletin 23-34: FEMA Disaster Declaration for the State of Vermont
Bulletin 23-33: USDA Updated Income Limits for 2023
Bulletin 23-32: P.A.T.H. Update: Access Program Investor Cash Flow Short-Term Rental Transactions
Bulletin 23-31: Updates to the Access (Non-QM) Program
Bulletin 23-30: Updates to the FHA 203(k) Standard and Limited Programs
Bulletin 23-29: Updates to Homebridge Renovation Forms
Bulletin 23-28: Introduction of the New Jumbo Gold Program
Bulletin 23-27: Updates to the Simple Access (Non-QM) Program
Bulletin 23-26: Introducing Fannie Mae’s Updated Appraisal Offerings
Bulletin 23-25: FEMA Disaster Declaration for the State of Florida
Bulletin 23-24: FEMA Disaster Declaration for the State of Oklahoma
Bulletin 23-23: FEMA Disaster Declaration for the State of Indiana
Bulletin 23-22: FEMA Disaster Declaration for the State of Tennessee
Bulletin 23-21: FEMA Disaster Declaration for the State of California
Bulletin 23-20: FEMA Disaster Declaration for the State of Arkansas
Bulletin 23-19: FEMA Disaster Declaration for the State of Mississippi
Bulletin 23-18: Introducing the Elite Access Non-QM Program
Bulletin 23-17: Enhancements to the Simple Access Non-QM Program
Bulletin 23-16: Fannie Mae and Freddie Mac Purchase Transactions: FTHB LLPA Waiver Updated Locking Requirements
Bulletin 23-15: Updates to Temporary Buydowns
Bulletin 23-14: Updates to VA Forms
Bulletin 23-13: FEMA Disaster Declaration for the State of Mississippi
Bulletin 23-12: Homebridge Wholesale in the News
Bulletin 23-11: Reduced Annual MIP Rates on FHA Transactions
Bulletin 23-10: IRS Form 4506-C Changes
Bulletin 23-09: Fannie Mae and Freddie Mac New Supplemental Consumer Information Form – REVISED
Bulletin 23-08: Reduction of the VA Funding Fee
Bulletin 23-07: Fannie Me Update to Cash-Out Seasoning Requirement
Bulletin 23-06: Enhancements to Simple Access (Non-QM)
Bulletin 23-05: FEMA Disaster Declaration for the State of Georgia
Bulletin 23-04: FEMA Disaster Declaration for the State of Alabama – REVISED
Bulletin 23-03: FEMA Disaster Declaration for the State of California – REVISED
Bulletin 23-02: Introducing a Temporary Buydown Option on the Simple Access (Non-QM) Program and Additional Updates
Bulletin 23-01: 2022 W-2/1099 and Tax Return Requirements

2022

Bulletin 22-41: Freddie Mac Update to Cash-Out Seasoning Requirement
Bulletin 22-40: FEMA Disaster Declaration for the State of Florida
Bulletin 22-39: Ordering an Appraisal on Fannie Mae/Freddie Mac Transactions
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Bulletin 22-38: VA Loan Limits for 2023
Bulletin 22-37: FHA 2023 Loan Limits
Bulletin 22-36: Simple Access (Non-QM) Updates
Bulletin 22-35: FEMA Disaster Declaration for the State of South Carolina
Bulletin 22-34: Conventional Loan Limits for 2023
Bulletin 22-33: FEMA Disaster Declaration for the State of Illinois
Bulletin 22-32: New Option Available for Freddie Mac 1099 Income Transactions
Bulletin 22-31: New Documentation Option Available on Simple Access (Non-QM)
Bulletin 22-30: VA 2023 Increased Conforming Loan Amount – REVISED
Bulletin 22-29: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 22-28: Fannie Mae and Freddie Mac Increased Conforming Loan Limit – REVISED
Bulletin 22-27: New Gift Funds Donor Eligibility on Fannie Mae Transactions
Bulletin 22-26: FEMA Disaster Declaration for the State of Missouri
Bulletin 22-25: Temporary Buydowns
Bulletin 22-24: FEMA Disaster Declaration for the State of Kentucky – REVISED
Bulletin 22-23: FHA Updated Income Calculation – Borrowers with a Reduction or Loss of Income Due to COVID-19
Bulletin 22-22: Freddie Mac ACE + PDR Option
Bulletin 22-21: FHA Clarification on Cash-Out Transactions
Bulletin 22-20: FEMA Disaster Declaration for the State of Oklahoma
Bulletin 22-19: FEMA Disaster Declaration for the State of Montana
Bulletin 22-18: Freddie Mac ADU Enhancement
Bulletin 22-17: Fannie Mae Virtual Currency Eligibility
Bulletin 22-16: Unlicensed MLOs and Simple Access Investor Cash Flow Transactions
Bulletin 22-15: New HELOC Product
Bulletin 22-14: Updates to Simple Access
Bulletin 22-13: Introduction of the Jumbo Elite ARM Products
Bulletin 22-12: FEMA Disaster Declaration for the State of New Mexico
Bulletin 22-11: Simple Access Program Updates
Bulletin 22-10: Updates to the FHA 203(k) Renovation Program Forms
Bulletin 22-09: Updates to the Fannie Mae HomeStyle Program
Bulletin 22-08: IRS Form 4506-C Changes
Bulletin 22-07 Revised: 2021 W-2/1099 and Tax Return Requirements
Bulletin 22-06: Removal of COVID Self-Employment Income Requirements for Fannie Mae and Freddie Mac Transactions
Bulletin 22-05: Update to COVID-19 Overlays for Employment Verifications
Bulletin 22-04: Updates to FHA Streamline Program
Bulletin 22-03: FEMA Disaster Declaration for the State of Tennessee
Bulletin 22-02: FEMA Disaster Declaration for the State of Washington
Bulletin 22-01: FEMA Disaster Declaration for the State of Colorado

2021

Bulletin 21-79: FEMA Disaster Declaration for the State of Arkansas
Bulletin 21-78: FEMA Disaster Declaration for the State of Alabama
Bulletin 21-77: Clarification of VA Funding Fee Calculation
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Bulletin 21-76: Additional States Available for Prepayment Penalty on Simple Access Investment Properties
Bulletin 21-75: VA Loan Limits for 2022
Bulletin 21-74: FEMA Disaster Declaration for the State of Kentucky – Revised
Bulletin 21-73: Freddie Mac Program Updates
Bulletin 21-72: FHA 2022 Loan Limits
Bulletin 21-71: Temporary Condominium Project Review Policy: Simple Access, Jumbo/Jumbo AUS, and Jumbo Elite
Bulletin 21-70: Fannie Mae Temporary Condominium Project Review Policy
Bulletin 21-69: Conventional Loan Limits for 2022 – Revised
Bulletin 21-68: Updated Prepayment Penalty Availability on Simple Access Investment Properties – Revised
Bulletin 21-67: Enhancements to the Refi Possible Program
Bulletin 21-66: Jumbo Program Enhancement
Bulletin 21-65: Enhancements to the Fannie Mae RefiNow Program
Bulletin 21-64: Updates to FHA Programs
Bulletin 21-63: Updated Prepayment Penalty Availability on Simple Access Investment Properties
Bulletin 21-62: FEMA Disaster Declaration for the State of Connecticut – Revised
Bulletin 21-61: FEMA Disaster Declaration for the State of Mississippi
Bulletin 21-60: Fannie Mae and Freddie Mac Increased Conforming Loan Limit
Bulletin 21-59: New Jumbo Elite Program
Bulletin 21-58: Updated Form SSA-89
Bulletin 21-57: Updates to Freddie Mac Program
Bulletin 21-56: Tax Service Fee Reduction
Bulletin 21-55: Hurricane Ida Reinspection Flexibilities
Bulletin 21-54: Updated FEMA Disaster Declaration Policy Guidance for New Jersey, New York, and Pennsylvania Counties – Hurricane Ida
Bulletin 21-53: FEMA Disaster Declaration for the State of Pennsylvania – Revised
Bulletin 21-52: FEMA Disaster Declaration for the State of North Carolina
Bulletin 21-51: Introducing Simple Access 40 Year Loan Term with Interest-Only
Bulletin 21-50: FEMA Disaster Declaration for the State of New York – Revised
Bulletin 21-49: FEMA Disaster Declaration for the State of New Jersey – Revised
Bulletin 21-48: FEMA Disaster Declaration for the State of Louisiana – Revised
Bulletin 21-47: Fannie Mae DU Updates
Bulletin 21-46: Introducing the Freddie Mac Refi Possible Program
Bulletin 21-45: FEMA Disaster Declaration for the State of California – Revised
Bulletin 21-44: FEMA Disaster Declaration for the State of Tennessee
Bulletin 21-43: Simple Access Program Enhancements
Bulletin 21-42: Freddie Mac Delayed Financing Update
Bulletin 21-41: Jumbo Program Enhancements
Bulletin 21-40: Update to VA IRRRL Requirements
Bulletin 21-39: FEMA Disaster Declaration for the State of Michigan
Bulletin 21-38: Updated Freddie Mac Power of Attorney Requirements
Bulletin 21-37: Introducing the Investor Solution Program
Bulletin 21-36: Update to Government Transactions Minimum Credit Score Requirement
Bulletin 21-35: Introducing the Fannie Mae RefiNow Program Option
Bulletin 21-34: FHA Temporary Flexibility Appraisal Policy Expiration
Bulletin 21-33: FHA Student Loan Payment Calculation
Bulletin 21-32: Update to the Mortgagee/Loss Payee Clause – Revised
Bulletin 21-31: Update to Homebridge VA IRRRL and Cash-Out Transactions Forbearance Policy
Bulletin 21-30: FHA Non-Permanent Resident Updates
Bulletin 21-29: FEMA Disaster Declaration for the State of Louisiana
Bulletin 21-28: Updates to Freddie Mac Program
Bulletin 21-27: FEMA Disaster Declaration for the State of West Virginia
Bulletin 21-26: Updates to Homebridge Renovation Programs
Bulletin 21-25: USDA Updated Income Limits for 2021
Bulletin 21-24: FEMA Disaster Declaration for the State of Tennessee
Bulletin 21-23: New Jumbo AUS Option
Bulletin 21-22: Jumbo Program Improvements and Updates
Bulletin 21-21: FEMA Disaster Declaration for the State of Alabama
Bulletin 21-20: FEMA Disaster Declaration for the State of Kentucky
Bulletin 21-19: Enhancements to the 203(k) Standard and Limited Programs
Bulletin 21-18: Enhancements and Updates to the Fannie Mae HomeStyle Program
Bulletin 21-17: Updated Prepayment Penalty Availability on Simple Access Investment Properties
Bulletin 21-16: FHA Non-Credit Qualifying Streamline Transactions in the State of West Virginia
Bulletin 21-15: Simple Access Program Updates
Bulletin 21-14: New HUD Addendum to the URLA
Bulletin 21-13: FEMA Disaster Declaration for the State of Louisiana
Bulletin 21-12: Transactions Using a 3.2 File and 2009 URLA Version
Bulletin 21-11: Fannie Mae DU Version 11.0 Release
Bulletin 21-10: Redesigned Uniform Residential Loan Application
Bulletin 21-09: New IRS Form 4506-C
Bulletin 21-08: DACA Status Individuals Now Eligible for FHA Loans
Bulletin 21-07: Enhancements to Government Transactions
Bulletin 21-06: FEMA Disaster Declaration for the State of Louisiana
Bulletin 21-05: Update to FHA Non-Credit Qualifying Streamline Forbearance Policy
Bulletin 21-04: Update to the Fannie Mae and Freddie Mac Cash-Out Transactions Minimum Credit Score Requirement
Bulletin 21-03: 2020 W-2/1099 and Tax Return Requirements
Bulletin 21-02: FEMA Disaster Declaration for the State of Mississippi
Bulletin 21-01: FEMA Disaster Declaration for the State of Alabama

2020

Bulletin 2021:
Bulletin 20-62: Update to the Fannie Mae and Freddie Mac Cash-Out Transactions Minimum Credit Score Requirement
Bulletin 20-61: FHA 203(k) Standard and Limited Program Updates
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Bulletin 20-60: Fannie Mae HomeStyle Program Updates
Bulletin 20-59: VA Loan Limits for 2021
Bulletin 20-58: FHA 2021 Loan Limits
Bulletin 20-57: Conventional Loan Limits for 2021
Bulletin 20-56: Updates to Self-Employed Borrower Documentation Requirements on Fannie Mae and Freddie Mac Transactions
Bulletin 20-55: Jumbo Program Updates
Bulletin 20-54: Simple Access Updates
Bulletin 20-53: Simple Access Non-QM Program
Bulletin 20-52: Updated FHA Forbearance Plan and Modified Loans Policy
Bulletin 20-51: FEMA Disaster Declaration for the State of Louisiana- Updated
Bulletin 20-50: FEMA Disaster Declaration for the State of Florida
Bulletin 20-49: FEMA Disaster Declaration for the State of Alabama
Bulletin 20-48: FEMA Disaster Declaration for the State of Oregon
Bulletin 20-47: Update to the Adverse Market Refinance Fee on Fannie Mae and Freddie Mac Transactions – No Longer Applicable – Fee Removed
Bulletin 20-46: DC Final Financing Agreement
Bulletin 20-45: FEMA Disaster Declaration for the State of Louisiana – Updated
Bulletin 20-44: FHFA Delays Implementation of Adverse Market Fee on Refinance Transactions
Bulletin 20-43: FEMA Disaster Declaration for the State of California – Updated
Bulletin 20-42: FEMA Disaster Declaration for the State of Iowa – Updated
Bulletin 20-41: Update to Forbearance Seasoning Requirements on VA Cash-Out and IRRRL Transactions
Bulletin 20-40: FHA COVID-19 Temporary Policies – Updated
Bulletin 20-39: FEMA Disaster Declaration for the State of Michigan
Bulletin 20-38: Introduction of a New Jumbo Program
Bulletin 20-37: New Option for Requesting Homebridge to Prepare Initial Disclosures
Bulletin 20-36: Additional Documentation Requirements for Self-Employed Borrowers for Fannie Mae and Freddie Mac Transactions
Bulletin 20-35: PUD Project HOA Master Insurance Policy Requirement on Fannie Mae/Freddie Mac Transactions
Bulletin 20-34: Enhancements to Freddie Mac ACE Offer Eligibility
Bulletin 20-33: Financing Non-Delinquent Property Taxes on Fannie Mae Rate/Term Refinance Transactions
Bulletin 20-32: Fannie Mae and Freddie Mac Cash-Out Transactions New Minimum Credit Score Requirement
Bulletin 20-31: Revised Forbearance Policy
Bulletin 20-30: Forbearance Policy – Replaced with Bulletin 20-31
Bulletin 20-29: FEMA Disaster Declaration for the State of South Carolina
Bulletin 20-28: FEMA Disaster Declaration for the State of Tennessee
Bulletin 20-27: FEMA Disaster Declaration for the State of Mississippi
Bulletin 20-26: Update to Government Transactions Minimum Credit Score Requirement for Purchase Transactions
Bulletin 20-25: USDA Updated Income Limits for 2020
Bulletin 20-24: Fannie Mae and Freddie Mac Updates to COVID-19 Temporary Flexibilities – UPDATED
Bulletin 20-23 Memo: Memos on Forbearance
Bulletin 20-23: Fannie Mae and Freddie Mac Condo Project Review Flexibilities Due to COVID-19
Bulletin 20-22: Fannie Mae and Freddie Mac Temporary Power of Attorney Flexibilities Due to COVID-19
Bulletin 20-21: Temporary Suspension of the HELOC Program
Bulletin 20-20: Coronavirus (COVID-19) Borrower Closing Certification
Bulletin 20-19: HELOC Program Margin and Guideline Updates
Bulletin 20-18: Fannie Mae and Freddie Mac New and Updated Guidance in Response to COVID-19
Bulletin 20-16: Requesting Homebridge Provide Initial Disclosures in P.A.T.H
Bulletin 20-15: HELOC Margin and Form Updates
Bulletin 20-14: FEMA Disaster Declaration for the State of Oregon
Bulletin 20-13: FEMA Disaster Declaration for the State of Tennessee
Bulletin 20-12: Appraisal and Employment Verification on FHA Transactions Due to COVID-19 – Updated
Bulletin 20-11: VA Updated Appraisal Policy Due to COVID-19 – Revised
Bulletin 20-10: New Minimum Credit Score, DTI, and Reserve Requirements for All Government Transactions
Bulletin 20-09: Update to Employment/Income Verification for ALL Programs – REVISED
Bulletin 20-08: Fannie Mae and Freddie Mac Updated Appraisal Policy Due to COVID-19 – Revised
Bulletin 20-07: Filing of 2019 Tax Returns and Payment of 2019 Owed Income Tax/Validation of Payment/Refund
Bulletin 20-06: Immediate Suspension of All Non-QM Loan Submissions
Bulletin 20-05: Prepayment Penalty Option on Simple Access Investor Cash Flow
Bulletin 20-04: Change to Points and Fees and State/Federal High-Cost Tests on Qualified Mortgage Transactions
Bulletin 20-03: Updated ARM Disclosures – Simple Access Program
Bulletin 20-02: 2019 W-2/1099 and Tax Return Requirements
Bulletin 20-01: Enhancements to the Simple Access Program

2019

Bulletin 19-58: VA Loan Limits for 2020
Bulletin 19-57: VA Maximum Guaranty/Entitlement Update
Bulletin 19-56: VA and VA IRRRL Program Updates to Surviving Spouse and COE Requirement on IRRRLs
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Bulletin 19-55: VA Funding Fee Changes
Bulletin 19-54: Fannie Mae DU 10.3 Updates
Bulletin 19-53: New Option for P.A.T.H. Loans: Homebridge Provides Initial Disclosures
Bulletin 19-52: FHA 2020 Loan Limits
Bulletin 19-51: Conventional Loan Limits for 2020
Bulletin 19-50: HELOC Program Updates
Bulletin 19-49: FEMA Disaster Declaration for the State of Texas
Bulletin 19-48: VA Cash-Out Transactions > 90% LTV New Price Adjustment
Bulletin 19-47: Enhancement to First Time Homebuyer Investment Purchases on Fannie Mae Transactions
Bulletin 19-46: VA Program Update to Funding Fee Requirements – Purchase and Cash-Out Transactions
Bulletin 19-45: Enhancements to Simple Access
Bulletin 19-44: Update to VA Cash-Out Loan Seasoning
Bulletin 19-43: Update to FHA Program Cash-Out Maximum LTV/CLTV
Bulletin 19-42: Improvements and Updates to IRRRL Requirements
Bulletin 19-41: FEMA Disaster Declaration for the State of Texas
Bulletin 19-40 : VA Policy Updates on IRRRLs – Revised
Bulletin 19-39: Freddie Mac Home Possible Multiple Financed Property and Rental Income from 1-Unit Primary Residence Updates
Bulletin 19-38: Fannie Mae HomeReady and Freddie Mac Home Possible Updated Income Limits
Bulletin 19-37: FEMA Disaster Declaration for the State of Missouri
Bulletin 19-36: Updated VA IRRRL Policy
Bulletin 19-35: FEMA Disaster Declaration for the State of Ohio
Bulletin 19-34: FEMA Disaster Declaration for the State of Arkansas
Bulletin 19-33: FEMA Disaster Declaration for the State of Oklahoma
Bulletin 19-32: Introducing High Balance Anywhere
Bulletin 19-31: Enhancements to the Simple Access Program
Bulletin 19-30: Expanded Plus and Elite Plus Enhancements
Bulletin 19-29: FEMA Disaster Declaration for the State of South Dakota
Bulletin 19-28: Updated VA IRRRL Policy
Bulletin 19-27: Rate Lock Agreement – Washington State
Bulletin 19-26: Updates to Homebridge Renovation Programs
Bulletin 19-25: Updates to Fannie Mae’s HomeReady Program
Bulletin 19-24: Updates to the USDA Purchase and Non-Streamlined Refinance Program
Bulletin 19-23: 2018 Tax Return Requirements
Bulletin 19-22: FEMA Disaster Declaration for the State of Iowa – Revised
Bulletin 19-21: FEMA Disaster Declaration for the State of Nebraska – Revised
Bulletin 19-20: Fannie Mae Clarification of Non-Citizen Borrower Eligibility
Bulletin 19-19: Updates to FHA Warranty and Roster Inspector Requirements
Bulletin 19-18: Ginnie Mae Clarification of VA Loan Seasoning Requirements
Bulletin 19-17: Update to Gift Funds Documentation Requirements on FHA Transactions
Bulletin 19-16: VA Update to Commission Income, Unreimbursed Business Expenses, and Auto Allowances
Bulletin 19-15: Flood Insurance Program Suspension: Alabama, Arkansas, and Texas
Bulletin 19-14: Changes to Rental Income on Freddie Mac Transactions
Bulletin 19-13: VA IRRRL Appraisal Requirement when Discount Points Charged
Bulletin 19-12: Fannie Mae and Freddie Mac Update to Commission Income, Unreimbursed Business Expenses, and Auto Allowances
Bulletin 19-11: Tax Service Fee Reduction
Bulletin 19-10: FEMA Disaster Declaration for the State of Alabama
Bulletin 19-09: Updates to VA IRRRL Requirements
Bulletin 19-08: Changes to VA Cash-Out Refinance Requirements
Bulletin 19-07: Update to the Mortgagee/Loss Payee Clause
Bulletin 19-06: FEMA Disaster Declaration for the State of Alaska
Bulletin 19-05: Payoff of a PACE Loan on FHA Transactions
Bulletin 19-04: Enhancements/Updates to the HELOC Program
Bulletin 19-03: Retirement of DU Refi Plus and Introduction of the New Fannie Mae High LTV Refinance Option
Bulletin 19-02: Freddie Mac Condominium Requirements Updates
Bulletin 19-01: 2018 W-2/1099 Forms

2018

Bulletin 18-63: Government Shutdown -Revised
Bulletin 18-62: Freddie Mac Loan Amount Enhancement
Bulletin 18-61: FHA 2019 Loan Limits
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Bulletin 18-60: 2019 VA Loan Limits
Bulletin 18-59: Update to Duplicate Credit Score Policy on FHA Transactions
Bulletin 18-58: Enhancements to Freddie Mac Conforming/Super Conforming and Home Possible Programs
Bulletin 18-57: Fannie Mae DU Version 10.3 Release
Bulletin 18-56: FEMA Disaster Declaration for the State of California – Updated
Bulletin 18-55: 2019 Conventional Loan Limits
Bulletin 18-54: Simple Access Program Enhancements
Bulletin 18-53: Revised IRS Form 4506-T
Bulletin 18-52: FEMA Disaster Declaration for the State of Wisconsin
Bulletin 18-51: FEMA Disaster Declaration for the State of Georgia – Revised
Bulletin 18-50: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 18-49: Elite Plus Enhancements
Bulletin 18-48: FEMA Disaster Declaration for the State of South Carolina – Revised
Bulletin 18-47: FEMA Disaster Declaration for the State of North Carolina – Revised
Bulletin 18-46: Updates to the Simple Access Program
Bulletin 18-45: Hurricane Florence
Bulletin 18-44: New and Updated Renovation Forms
Bulletin 18-43: New Renovation Acknowledgement Form
Bulletin 18-42: Simple Access – Collateral Desktop Analysis – REVISED
Bulletin 18-41: Freddie Mac – Number of Financed Properties
Bulletin 18-40: Expanded Plus Updates
Bulletin 18-39: Introducing Simple Access – Investor Cash Flow Option
Bulletin 18-38: Condominium Project Questionnaire Enhancements
Bulletin 18-37: Enhancements to the Freddie Mac Program
Bulletin 18-36: HELOC Margin Improved
Bulletin 18-35: FEMA Disaster Declaration for the State of California – Revised
Bulletin 18-34: Freddie Mac Home Possible Income Limits
Bulletin 18-33: USDA Program Updates
Bulletin 18-32: Introduction of Simple Access
Bulletin 18-31: FEMA Disaster Declaration for the State of Texas
Bulletin 18-30: HELOC Margins Improved
Bulletin 18-29: FEMA Disaster Declaration for the State of Hawaii
Bulletin 18-28: Fannie Mae Condo Project Enhancements
Bulletin 18-27: VA Loan Comparison – IRRRL Transactions
Bulletin 18-26: Fannie Mae HomeReady Income Limits
Bulletin 18-25: FEMA Disaster Declaration for the State of Hawaii – Revised
Bulletin 18-24: VA Renovation Program
Bulletin 18-23: Updated USDA Income Limits for 2018
Bulletin 18-21: Enhancements to the HELOC Program
Bulletin 18-20: Important Information Regarding VA IRRRL and Cash-out Refinance Transactions
Bulletin 18-19: USDA Program Property Eligibility
Bulletin 18-18: Update to the Jumbo Program CDA Requirement
Bulletin 18-17: FEMA Disaster Declaration for the State of North Carolina
Bulletin 18-16: Enhanced Transcript Requirements
Bulletin 18-15: FEMA Disaster Declaration for the State of Indiana – Revised
Bulletin 18-14: FEMA Disaster Declaration for the State of Alabama
Bulletin 18-13: Fannie Mae Property Inspection Waiver Eligibility in Southern California
Bulletin 18-12: Increased LTV/CLTV for Freddie Mac Second Home and 2-Unit Primary Properties
Bulletin 18-11: Fannie Mae Release of DU Version 10.2
Bulletin 18-10: Mortgage Insurance Company Updates
Bulletin 18-09: Introducing the Elite Plus Program
Bulletin 18-08: Updated Submission Requirements for Expanded Plus
Bulletin 18-07: Update to FEMA Disaster Declaration Requirements
Bulletin 18-06: 2017 Tax Forms, Returns and Transcripts
Bulletin 18-05: Removal of Overlays on FHA and VA Programs
Bulletin 18-04: FEMA Disaster Declaration for the State of California
Bulletin 18-03: Updates to Freddie Mac Guidelines
Bulletin 18-02: Fannie Mae Cash-Out Seasoning Requirement for Property Held in an LLC
Bulletin 18-01: New Seasoning Requirements for FHA/VA Cash-Out and Streamline/IRRRL Refinance Transactions

2017

Bulletin 17-42: Updated Form SSA-89 Reminder
Bulletin 17-41: Texas Section 50(a)(6) Transactions Updates (aka Texas Cash-Out/Texas Equity)
Bulletin 17-40: New Demographic Information Addendum
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Bulletin 17-39: HELOC Program Enhancements
Bulletin 17-38: Jumbo and Jumbo Flex Enhancements
Bulletin 17-37: Internal Revenue Service Transcript Processing Delayed – Revised
Bulletin 17-36: 2018 VA Loan Limits
Bulletin 17-35: FHA 2018 Loan Limits
Bulletin 17-34: 2018 Conventional Loan Limits
Bulletin 17-33: Electronic Signatures – Revised
Bulletin 17-32: Lock Desk Hours
Bulletin 17-31: FEMA Disaster Declaration for the State of California
Bulletin 17-30: Ordering an Appraisal on Fannie Mae/Freddie Mac Transactions
Bulletin 17-29: Northern California Wild Fires – Fundings Suspended – Replaced
Bulletin 17-28: FHA 203(h) Program – Mortgage Insurance for Disaster Victims
Bulletin 17-27: Fannie Mae HomeStyle Enhancement
Bulletin 17-26: FEMA Disaster Declaration – Georgia – Revised
Bulletin 17-25: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 17-24: Hurricane Harvey – The State of Louisiana
Bulletin 17-23: Appraisal Re-Inspection – Hurricane Harvey
Bulletin 17-22: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 17-21: FEMA Disaster Declaration for the State of West Virginia
Bulletin 17-20: Interest-Only Now Available on Expanded Plus
Bulletin 17-19 Revised: IRS Technology Upgrade – UPDATE
Bulletin 17-18: FEMA Disaster Declaration for the State of Michigan
Bulletin 17-17: Fannie Mae Release of DU Version 10.1
Bulletin 17-16: Removal of Overlays on the FHA/VA Credit Qualifying Programs
Bulletin 17-15: FEMA Disaster Declaration for the State of Arkansas – Revised
Bulletin 17-14: Updates to the Freddie Mac Program
Bulletin 17-13: FEMA Disaster Declaration for the State of Missouri – Revised
Bulletin 17-12: Jumbo Programs Updates
Bulletin 17-11: Introducing Freddie Mac’s Home Possible Programs
Bulletin 17-10: Updates to the Fannie Mae Program
Bulletin 17-09: Introducing Manufactured Housing
Bulletin 17-08: FEMA Disaster Declaration for the State of Louisiana
Bulletin 17-06: FEMA Disaster Declaration for the State of Georgia – Revised
Bulletin 17-05: FEMA Disaster Declaration for the State of Mississippi
Bulletin 17-04: FEMA Disaster Declaration for the State of Georgia
Bulletin 17-03: 2016 Tax Forms, Returns and Transcripts – Revised
Bulletin 17-02: FHA/FHA Streamline and VA/VA IRRRL Program Enhancements
Bulletin 17-01: VA IRRRL Program Enhancement

2016

Bulletin 16-53: Tax Transcript Orders
Bulletin 16-52: FEMA Disaster Declaration for the State of Tennessee
Bulletin 16-51: FHA and VA Program Enhancements
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Bulletin 16-50: FEMA Disaster Declaration for the State of Minnesota
Bulletin 16-49: HomeReady Program Enhancements
Bulletin 16-48: Property Inspection Waivers on Fannie Mae Transactions
Bulletin 16-47: 2017 VA Loan Limits
Bulletin 16-46: FHA 2017 Loan Limits
Bulletin 16-45: 2017 Conventional Loan Limits
Bulletin 16-44: Ordering an Appraisal on Fannie Mae/Freddie Mac Transactions
Bulletin 16-43: VA IRRRL Seasoning
Bulletin 16-42: Electronic Signatures
Bulletin 16-41: Introducing Fannie Mae’s HomeReady Program
Bulletin 16-40: FEMA Disaster Declaration for the State of Virginia – Revised
Bulletin 16-39: Jumbo Program Enhancements
Bulletin 16-38: FEMA Disaster Declaration for the State of South Carolina – Revised
Bulletin 16-37: FEMA Disaster Declaration for the State of Georgia – Revised
Bulletin 16-36: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 16-35: FEMA Disaster Declaration for the State of North Carolina – Revised
Bulletin 16-34: Updates to the USDA Programs
Bulletin 16-33: Suspension of Fundings Due to Hurricane Matthew
Bulletin 16-32: FEMA Disaster Declaration for the State of Florida
Bulletin 16-31: Fannie Mae Release of DU Version 10.0
Bulletin 16-30: BlitzDocs Enhancements
Bulletin 16-29: Expanded Plus Enhancements
Bulletin 16-28: Jumbo and Jumbo Flex Updates
Bulletin 16-27: FEMA Disaster Declaration for the State of Louisiana – Revised
Bulletin 16-26: New York Transactions
Bulletin 16-25: Student Loan Payment Calculation on Fannie Mae Transactions
Bulletin 16-24: FEMA Disaster Declaration – West Virginia – Revised
Bulletin 16-23: FEMA Disaster Declaration for the State of Texas-Revised
Bulletin 16-22: Expanded Plus Enhancement
Bulletin 16-21: Introducing the Jumbo Flex Program
Bulletin 16-20: Enhancements to Multiple Financed Properties on Fannie Mae Transactions
Bulletin 16-19: Application Dates on New Loan Submissions
Bulletin 16-18: FHA Streamline Clarifications
Bulletin 16-17: Enhancements and Updates to the FHA and VA Programs
Bulletin 16-16: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 16-15: Student Loan Calculations on FHA Transactions
Bulletin 16-14: FEMA Disaster Declaration for the State of Mississippi – Revised
Bulletin 16-13: Jumbo Program Updates
Bulletin 16-12: Expanded Plus Enhancements
Bulletin 16-11: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 16-10: Freddie Mac Program Enhancements
Bulletin 16-09 : FEMA Disaster Declaration for the State of Louisiana – Revised
Bulletin 16-08: Updates to the FHA and VA Programs
Bulletin 16-07: Fannie Mae Continuity of Obligation Enhancement
Bulletin 16-06: Revised IRS Form 4506-T
Bulletin 16-05: FEMA Disaster Declaration for the State of Arkansas
Bulletin 16-04: 2015 Tax Forms, Returns and Transcripts
Bulletin 16-03: FEMA Disaster Declaration for the State of Missouri
Bulletin 16-02: Introducing the Expanded Plus Program
Bulletin 16-01 : FEMA Disaster Declaration for the State of Mississippi – Revised

2015

Bulletin 15-48: 2016 VA Loan Limits
Bulletin 15-47: FHA 2016 Loan Limits
Bulletin 15-46: 2016 Conventional Loan Limits
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Bulletin 15-45: Field Review Appraisals
Bulletin 15-44: Fannie Mae Release of DU Version 9.3
Bulletin 15-43: Jumbo Program Updates
Bulletin 15-42: Freddie Mac Program Non-Occupant Borrower Enhancement
Bulletin 15-41: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 15-40: Jumbo Program Enhancements
Bulletin 15-39: New Address for Homeowners Insurance – Mortgagee/Loss Payee Clause
Bulletin 15-38: New Fixed Rate Loan Terms on FHA and VA Transactions
Bulletin 15-37: Electronic Disclosures/ E-Consent
Bulletin 15-36: The State of Massachusetts
Bulletin 15-35: Freddie Mac Program Enhancements
Bulletin 15-34: FEMA Disaster Declaration – South Carolina – Revised
Bulletin 15-33: USDA Upfront Guarantee Fee Increase
Bulletin 15-32: FEMA Disaster Declaration for the State of California
Bulletin 15-31: Freddie Mac Enhancements
Bulletin 15-30: FNMA Limited Review Condominium Enhancements
Bulletin 15-29: FNMA Enhancements
Bulletin 15-28: FNMA Investment Properties for First Time Homebuyers using Rental Income – Revised
Bulletin 15-27: FEMA Disaster Declaration for the State of Wyoming
Bulletin 15-26: FEMA Disaster Declaration for the State of Arkansas
Bulletin 15-25: Fannie Mae Payoff of Revolving Debt
Bulletin 15-24: Freddie Mac Conforming and Super Conforming Programs
Bulletin 15-23: FEMA Disaster Declaration for the State of Texas – Revised
Bulletin 15-22: FEMA Disaster Declaration for the State of Oklahoma – Revised
Bulletin 15-21: Ordering an Appraisal on Conventional Fannie Mae Transactions – Revised
Bulletin 15-20: FHA Programs State Listing Update
Bulletin 15-19: FEMA Disaster Declaration for the State of Kentucky
Bulletin 15-18: VA IRRRL Program
Bulletin 15-17: Enhancements to Fannie Mae Condo Project Standards Requirements
Bulletin 15-16: 2014 Tax Forms, Returns and Transcripts
Bulletin 15-15: Electronic Signatures – Revised
Bulletin 15-14: Fannie Mae and Freddie Mac Program Updates
Bulletin 15-13: Escrow Netting
Bulletin 15-12: USDA Program Updates
Bulletin 15-11: VA Sponsorship Renewal
Bulletin 15-10: HomeBridge to HomeBridge FHA NCQ Streamline and VA NCQ IRRRL – No Overlay/No Credit Option – Revised
Bulletin 15-09: USDA Program Property Eligibility
Bulletin 15-08: Ordering an Appraisal on Freddie Mac Transactions – Revised
Bulletin 15-07: New York Transactions – Revised
Bulletin 15-06: FHA Non-Credit Qualifying Streamline Program Enhancements
Bulletin 15-05: Enhancement to Freddie Mac Program
Bulletin 15-04: 2014 Tax Forms – Revised
Bulletin 15-03: Loan Payoff Interest Calculation on FHA Loans
Bulletin 15-02: New FHA Annual MIP Rates
Bulletin 15-01: Fannie Mae 97% LTV

2014

Bulletin 14-66: FHA Program Enhancement 600-619 Credit Score
Bulletin 14-65: FHA 90 Day Property Flip Waiver Expiring
Bulletin 14-64: 2015 VA County Loan Limits
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Bulletin 14-63: FHA 2015 Loan Limits
Bulletin 14-62: Electronic Signatures
Bulletin 14-61: Fannie Mae Release of DU Version 9.2
Bulletin 14-60: VA and VA IRRRL Enhancements
Bulletin 14-59: 2015 Conventional Loan Limits
Bulletin 14-58: FHA 203(k) Streamlined 2-Unit Enhancement
Bulletin 14-57: Conditional Commitment on USDA Loans
Bulletin 14-56: Jumbo Program
Bulletin 14-55: Tax Transcript Enhancement
Bulletin 14-54: USDA Streamlined Refinance Program
Bulletin 14-53: FEMA Disaster Declaration for the State of California
Bulletin 14-52: Bulletin 14-52: Ordering an Appraisal on Conventional Fannie Mae Transactions – Replaced – Refer to Bulletin 15-21
Bulletin 14-51: DU for Government Release Notes – Revised
Bulletin 14-50: Freddie Mac Conforming and Super Conforming Programs – Replaced – Refer to Bulletin 15-24
Bulletin 14-49: USDA Program Property Eligibility New Rural Area Maps Delayed
Bulletin 14-48: FEMA Disaster Declaration for the State of Michigan
Bulletin 14-47: USDA Program Property Eligibility
Bulletin 14-46: FHA Property Flips
Bulletin 14-45: 2013 Tax Return Filing Deadline – Extension Filed and Tax Transcripts Policy
Bulletin 14-44: FHA Program State Listing Update – Alabama
Bulletin 14-43: USDA Rural Development Annual Fee Increase
Bulletin 14-42: Fannie Mae HomePath Program to be Discontinued
Bulletin 14-41: Fannie Mae HomeStyle Renovation Program
Bulletin 14-40: FHA Programs State Listing Update
Bulletin 14-39: The State of Nevada
Bulletin 14-38: Updated Homeownership Counseling Form
Bulletin 14-37: Eligible AMCs on the FHA 203(k) Programs
Bulletin 14-36: VA Program DTI Enhancement
Bulletin 14-35: VA Loan Program Reminders on Fees and Charges
Bulletin 14-34: DU Refi Plus Enhancement
Bulletin 14-33: Fannie Mae DU 9.1 Updates
Bulletin 14-32: Appraisal Update Photo Requirement
Bulletin 14-31: New York Transactions – Replaced – Refer to Bulletin 15-07
Bulletin 14-30: Fannie Mae Updates and Clarifications – Revised
Bulletin 14-29: Jumbo Program Update
Bulletin 14-28: 3/1 ARM on FHA and VA Programs
Bulletin 14-27: FHA 203(k) Full Consultant and Streamlined Programs
Bulletin 14-26: FEMA Disaster Declaration for the State of Florida – Revised
Bulletin 14-25: FEMA Disaster Declaration for the State of Alabama – Revised
Bulletin 14-24: Third Party Processing Fees – Revised
Bulletin 14-23: FEMA Disaster Declaration for the State of Arkansas – Revised
Bulletin 14-22: FEMA Disaster Declaration for the State of Mississippi – Revised
Bulletin 14-21: Additional Comparable Sales Sources
Bulletin 14-20: Additional FHA Program Enhancements
Bulletin 14-19: FHA Program – Manual Underwriting – Revised
Bulletin 14-18: Credit Score Enhancement on FHA and VA Programs – Revised
Bulletin 14-17: 2013 Tax Returns and Tax Transcripts
Bulletin 14-16: FEMA Disaster Declaration for the State of Washington
Bulletin 14-15: Collection/Charge-off Accounts
Bulletin 14-14: VA and VA IRRRL Program Enhancements
Bulletin 14-13: Borrower Paid Single Premium Mortgage Insurance
Bulletin 14-12: Fannie Mae HomePath Program
Bulletin 14-11: Section 35 Higher Priced Mortgage Loans – Revised
Bulletin 14-10: VA Sponsorship Renewal – Replaced – Refer to Bulletin 15-11
Bulletin 14-09: HUD REO Property Appraisal Updates
Bulletin 14-08: New Mortgagee/Loss Payee Clause – Replaced
Bulletin 14-07: HOEPA Homeownership Counseling Disclosure
Bulletin 14-06: ECOA Valuations Rule
Bulletin 14-05: 2013 Tax Forms
Bulletin 14-04: Section 35 Higher Priced Mortgage Loans
Bulletin 14-03: Qualified Mortgage and Ability to Repay Provisions of Dodd-Frank
Bulletin 14-02: Commitment Fee Buyout Option
Bulletin 14-01: Holdback/Repair Escrows

2013

Bulletin 13-73: 2014 VA County Loan Limits
Bulletin 13-72: Changes to Broker Compensation/Commitment Fee Buyout
Bulletin 13-71: FHA 2014 Loan Limits
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Bulletin 13-70: New Mortgagee/Loss Payee Clause – Replaced
Bulletin 13-69: DU Refi Plus Enhancements
Bulletin 13-68: Co-Borrower without a Credit Score on the Agency Conforming Program
Bulletin 13-67: Enhancements to the VA and VA IRRRL Programs
Bulletin 13-66: FHA and FHA Streamline Program Enhancements/Updates
Bulletin 13-65: Conventional 2014 Loan Limits
Bulletin 13-64: FEMA Disaster Declaration for the State of Illinois
Bulletin 13-63: Power of Attorney
Bulletin 13-62: Enhanced Desk Review – Jumbo Loans
Bulletin 13-61: Jumbo Program
Bulletin 13-60: Fannie Mae DU® Version 9.1 Updates
Bulletin 13-59: Post Government Shutdown
Bulletin 13-58: Property Flip Enhancement on the FHA Program
Bulletin 13-57: Collections/Charge-offs/Judgments and Disputed Accounts – FHA Program
Bulletin 13-56 Rescinded: Government Shutdown
Bulletin 13-55: USDA Program – Property Eligibility
Bulletin 13-54: 2012 Tax Returns and Tax Transcripts – Extension Filed
Bulletin 13-53: Possible Government Shutdown
Bulletin 13-52: USDA Program Enhancements
Bulletin 13-51: Delinquent HOA Payments on the FHA Program
Bulletin 13-50: FEMA Disaster Declaration for the State of Colorado
Bulletin 13-49: VA Program Enhancements
Bulletin 13-48: FHA Program Enhancement HUD Back to Work – Extenuating Circumstances
Bulletin 13-47: Florida Condominium Projects
Bulletin 13-46: FHA Streamline and VA IRRRL Programs
Bulletin 13-45: Guideline Enhancements
Bulletin 13-44: Ordering an Appraisal on Conventional Transactions
Bulletin 13-43: Delayed Financing Enhancement
Bulletin 13-42: Enhanced VA Guidelines
Bulletin 13-41: Investment Property Maximum LTV/CLTV on the Agency Conforming Program
Bulletin 13-40: Modular/Prefabricated Housing – Revised
Bulletin 13-39: Agency Conforming and High Balance Program Enhancements and Reminder
Bulletin 13-38: FHA 2013 Mortgage Limits
Bulletin 13-37: Fannie Mae’s Credit Variance Administration System
Bulletin 13-36: FEMA Disaster Declaration for the State of Alaska
Bulletin 13-35: Honolulu County Loan Limit on the VA Program
Bulletin 13-34: FHA 5/1 ARM Qualifying
Bulletin 13-33: 125% LTV on the VA IRRRL Program
Bulletin 13-32: ARM Products – Agency Matrices Updated
Bulletin 13-31: ARM Products on the Agency Conforming and High Balance Programs
Bulletin 13-30: Agency Program Updates and Clarifications
Bulletin 13-29: DU Refi Plus Loans with MI Issued by United Guaranty
Bulletin 13-28: Section 35 Higher Priced Mortgage Loan – Revised
Bulletin 13-27: FEMA Disaster Declaration for the State of Oklahoma – Revised
Bulletin 13-26: FEMA Disaster Declaration for the State of Illinois – Revised
Bulletin 13-25: FHA Policy Updates
Bulletin 13-24: Maximum LTV on the Agency Conforming Program
Bulletin 13-23: VA IRRRL Loan Terms
Bulletin 13-22: Updates to the VA IRRRL Program
Bulletin 13-21: FHA No Credit Qualifying Streamline Program Updates
Bulletin 13-20: DO Sponsorship Requests and Blitz Doc Information
Bulletin 13-19: 2012 Tax Returns and Tax Transcripts
Bulletin 13-18: Ordering an Appraisal on Conventional Transactions – Revised
Bulletin 13-17: Non-Occupant Co-borrowers on FHA Cash-out Refinance Transactions and Miscellaneous Updates
Bulletin 13-16: Illegal Accessory Units on Conventional Transactions
Bulletin 13-15: New FHA Annual Mortgage Insurance Premiums
Bulletin 13-14: Financing Real Estate Taxes
Bulletin 13-13: DU Refi Plus Enhancement
Bulletin 13-12: Large Deposits on the FHA Program
Bulletin 13-11: FEMA Disaster Declaration for the State of Mississippi – Revised
Bulletin 13-10: New York Transactions – Replaced – Refer to Bulletin 15-07
Bulletin 13-09: Tax Forms
Bulletin 13-08: FHA Streamline Program Updates – Revised
Bulletin 13-07: FHA Standard Program Updates
Bulletin 13-06: VA Portal Access – Interim Process
Bulletin 13-05: The State of Nevada
Bulletin 13-04: Manual Underwriting on FHA Loans
Bulletin 13-03: HUD REO $100 Down Payment Program
Bulletin 13-02: 2013 VA Program Changes
Bulletin 13-01: 2013 VA IRRRL Program – Replaced – Refer to Bulletin 15-18

2012

Bulletin 12-35: 2013 VA County Loan Limits
Bulletin 12-34: Appraisal Waiver Disclosure on DU Refi Plus
Bulletin 12-33: FHA 2013 Mortgage Limits
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Bulletin 12-32: Conventional Loan Limits
Bulletin 12-31: Tax Service Fee – Conventional Transactions
Bulletin 12-30: Originating Loans in the State of Hawaii
Bulletin 12-29: Fannie Mae Selling Guide Updates
Bulletin 12-28: FEMA Disaster Declaration for the state of Rhode Island
Bulletin 12-27: 4506-T Requirements
Bulletin 12-26: Hurricane Sandy – High Balance VA IRRRL Transactions
Bulletin 12-25: Hurricane Sandy – HomeBridge Operations Update
Bulletin 12-24: FEMA Disaster Declaration for the State of Connecticut
Bulletin 12-23: FEMA Disaster Declaration for the State of New Jersey – Updated 11/12/12
Bulletin 12-22: FEMA Disaster Declaration for the State of New York – Updated 11/12/12
Bulletin 12-21: Hurricane Sandy
Bulletin 12-20: Hurricane Sandy Update
Bulletin 12-19: Mortgage Only Credit Report on FHA Non-Credit Qualifying Streamlines
Bulletin 12-18: Hurricane Sandy
Bulletin 12-17: Fannie Mae Release of DU Version 9.0
Bulletin 12-16: Broker Ordered 4506T Results
Bulletin 12-15: Field Review Appraisals Revised
Bulletin 12-14: FHA Second Appraisals
Bulletin 12-13: Guarantee Fee Increase
Bulletin 12-12: Hawaii Transactions
Bulletin 12-11: Faxed Documents – FHA Transactions
Bulletin 12-10: Non-Approved Broker Loan Submissions
Bulletin 12-09: DU Refi Plus – Loans with Transferred MI
Bulletin 12-08: Loans to Real Estate and Mortgage Professionals
Bulletin 12-07: Electronic Signature – Replaced – Refer to Bulletin 14-62
Bulletin 12-06: Power of Attorney
Bulletin 12-05: 4506-T Requirements
Bulletin 12-04: HUD REO $100 Down Payment Program
Bulletin 12-03: Private Transfer Fee Covenants
Bulletin 12-02: Age Of Documents
Bulletin 12-01: New York Transactions – Replaced – Refer to Bulletin 15-07