Archived Announcements
2021
April
April 12, 2021 -
IT Announcement for Third Party Originators
March
March 31, 2021 -
Alimony and Affordable Seconds using LPA v5.0.06 with the Redesigned URLA, Federal Tax Extension and Retail IHDA
March 29, 2021 -
New LLPAs for 2nd Home and Investment Properties
March 15, 2021 -
New LLPAs for 2nd Home and Investment Properties
March 11, 2021 -
Direct Account Verifications, Seasonal and Secondary Income, Retail IHDA Tax Returns or Transcripts and Holiday Closure
March 10, 2021 -
Age of Tax Return Requirements and Form SSA-89
February
February 18, 2021 -
REMINDER - Redesigned Uniform Residential Loan Application (URLA)
February 2, 2021 -
Holiday Closure
January
January 26, 2021 -
FHA DACA Eligibility
January 15, 2021 -
VA Temporary Forbearance Flexibility
January 13, 2021 -
Redesigned Uniform Residential Loan Application (URLA)
January 5, 2021 -
IRS Form 4506-C and Holiday Closure
2020
December
December 11, 2020 -
Holiday Closure
December 3, 2020 -
FHA 2021 Loan Limits
December 1, 2020 -
2021 Conforming Loan Limits
November
November 17, 2020 -
Temporary Self-Employed Income Requirements
November 10, 2020 -
FHA Temporary Forbearance Flexibility
October
October 28, 2020 -
Temporary Eligibility Requirements
October 26, 2020 -
USDA HOI and Holiday Closure
October 26, 2020 -
Wholesale E-Documents
October 26, 2020 -
FHA Temporary Forbearance Flexibility
September
September 28, 2020 -
Columbus Day
September 24, 2020 -
Age of Documentation - Paystubs
September 21, 2020 -
USDA 2021 Conditional Commitment and FHA Forbearance
August
August 27, 2020 -
Revised Adverse Market FEE
August 25, 2020 -
Optimal Blue for FSM Wholesale/Correspondent
August 24, 2020 -
Rental Housing Obligations, Lender Recertifications and Holiday Closure
August 20, 2020 -
Temporary FHA Rental Income Guidance
August 13, 2020 -
FNMA & FHLMC ADVERSE MARKET FEE
August 4, 2020 -
VA IRRRL Loans and FHA Rental Income
June
June 23, 2020 -
HomeReady and Home Possible 2020 Income Limits
June 22, 2020 -
Updated Temporary Mortgage Eligibility Guidance
June 19, 2020 -
Holiday Closure
June 8, 2020 -
Verification of All Mortgages and Self-Employed Borrowers
June 2, 2020 -
Revised Gov't FICO
May
May 29, 2020 -
Extension for Tax Transcripts
May 13, 2020 -
Forbearance Additional Guidance
May 7, 2020 -
LIBOR ARM, USDA Loan Limits, Medical Dr Program and Holiday Closure Reminder
April
April 30, 2020 -
Loan Modifications, Forbearance, Tax Transcripts and Tax Returns
April 22, 2020 -
Temporary Minimum FICO for Government Loans
April 21, 2020 -
Conforming Min FICO and Max LTV for Investment Properties
April 7, 2020 -
VVOE and Employment - Additional Guidance
April 7, 2020 -
Policy on Forbearance
April 7, 2020 -
Tax Transcripts
March
March 31, 2020 -
Revised Minimum FICO for FHA and VA
March 30, 2020 -
Appraisal Temporary Guidance
March 30, 2020 -
Good Friday Holiday Closure
March 27, 2020 -
VVOE and Employment
March 27, 2020 -
FHA/VA Low FICO (including low FICO streamlines)
March 9, 2020 -
ARM Rental Gift Frozen Credit
February
February 4, 2020 -
Holiday Closure Reminder
January
January 16, 2020 -
VA Blue Water Navy Vietnam Veterans Act of 2019 - Entitlement and Guaranty
January 8, 2020 -
Holiday Closure Reminder
2019
December
December 6, 2019 -
2020 Loan Limits
Novmeber
November 26, 2019 -
Freddie Mac Student Loan Revisions, Holiday Schedule
November 21, 2019 -
VA Funding Fee updates
November 15, 2019 -
RD Tech Fee, Taxpayer First Act, FNMA Homebuyer Education and Holiday Closure
November 4, 2019 -
FSM FHA Low FICO and VA Federal Delinquent Debt
November 1, 2019 -
Name Change and Lender Recertification Reminder
October
October 31, 2019 -
FNMA Homeownership Education and Rental Income updates, AML, Monthly Debt Obligations and Veterans Day
October 30, 2019 -
FHA Condo Single-Unit Approval Process
September
September 30, 2019 -
Fannie Mae Homeownership Education Updates; Holiday Closure
September 23, 2019 -
Revised USDA Student Loan Payment
September 18, 2019 -
Lender Recertification Requirements
September 16, 2019 -
USDA Commitment Authority
September 4, 2019 -
VA Certification Acknowledgment for IRRRL
September 3, 2019 -
First State Mortgage Services, LLC
August
August 26, 2019 -
First State Mortgage
August 19, 2019 -
Holiday Closure
August 14, 2019 -
VA and FHA Updated Refinance Requirements; updated FHA 4000.1
July
July 19, 2019 -
FHA and VA Income Commencing After the Note Date Guidelines
July 12, 2019 -
VVA IRRRL Recoupment
July 3, 2019 -
VA Certificate of Eligibility (COE) Required for IRRRL loans and Revised Funding Fee Exemption status on COE
June
June 25, 2019 -
Updated Home Possible Income Limits and Holiday Closure
June 17, 2019 -
VA Water Testing; Updated HomeReady Income Limits, Private Flood Insurance and Flood Insurance for Detached Structures
May
May 23, 2019 -
VA Handbook Revision – Ordering the COE and the Appraisal
May 17, 2019 -
FHA Low FICO and VA Handbook Updates
May 6, 2019 -
Fannie Mae HomeReady Update and Holiday Closure Reminder
May 2, 2019 -
Home Possible update and FHA Extension
April
April 26, 2019 -
Revised IRS Form 4506-T
April 24, 2019 -
Third Party Origination Channel Registration and Submission Updates
April 16, 2019 -
FNMA Loan Level Price Adjustment for Second Homes
April 10, 2019 -
Freddie Mac Alimony & Maintenance Update
April 1, 2019 -
Visa Requirements and Holiday closure
February
February 21, 2019 -
VA Cash-Out Transactions
February 7, 2019 -
February 2019 Holiday Closures
January
2018
December
December 19th, 2018 -
2019 FHA and VA Loan Limits; January 2019 Holiday Closures
December 10th, 2018 -
2019 Loan Limits, Freddie Mac Rental Income Amendments, Condo Property Flood Insurance Requirements, Fannie Flood Insurance updates and Conforming Product Suite
November
November 5th, 2018 -
Updated 4506-T, Holiday Hours
October
October, 26th, 2018 -
Freddie Mac Rental Income and Veterans Day
September
September 17th, 2018 -
RD Commitment Authority, HARP, IRS Business Tax Transcripts, FHLMC Revisions, and Holiday Closure
August
August 23rd, 2018 -
Lender Recertification Requirements; TPO HMDA Reminder
August 14th, 2018 -
Holiday Closure, Freddie Mac Revisions and Fraud Trends
July
July 18th, 2018 -
Condominum Questionnaires
June
June 13th, 2018 -
HomeReady & HomePossible Updates, FHLMC & FNMA Future Income, VA Circular 26-18-3, MI Reminder and Holiday Closure
May
May 16th, 2018 -
Holiday Announcement
April
April 19th, 2018 -
Introducing First Look Appraisals, LLC AMC
March
March 20th, 2018 -
Holiday Reminder
February
February 14, 2018 -
Loan Amount Adjustments for Third Party Originators
January
January 12, 2018 -
Holiday Reminder
January 16, 2018 -
UCD/LQA and Closing Document Preparation
January 25, 2018 -
Revised FHA/VA Seasoning; Overlay Removal; Holiday Closure Reminder
2017
December
December 18, 2017 -
2018 FHA and VA Loan Limits; Holiday Closure
December 7, 2017 -
2018 Loan Limits
December 1, 2017 -
Freddie Mac Guide Updates; Agency Conforming Cash-Out Refinance
November
November 17th, 2017 -
Amended 2018 HMDA LAR 2018
November 17th, 2017 -
DU Loan Case Files: At least one Borrower has no credit score and another Borrower has a credit score
November 17th, 2017 -
Assets as a Basis for Repayment of Obligations
November 17th, 2017 -
Holiday Hours
November 6th, 2017 -
Veterans Day Holiday
October
October, 6th, 2017 -
Columbus Day Holiday
September
September 18th, 2017 -
Uniform Closing Dataset (UCD); Rollout of New Front End LOS System
August
August 31st, 2017 -
Labor Day Holiday; Lender Recertification Requirements
July
July 30th, 2017 -
DU Version 10.1
June
June 11th, 2017 -
New HDMA Rules
March
March 7th, 2017 -
CFPB RE Commissions
January
January 23, 2017 -
2017 FHA Monthly Mortgage Insurance Reduction - Rescinded by HUD
January 10, 2017 -
2017 FHA Monthly Mortgage Insurance Reduction
2016
December
December 7, 2016 -
2017 Loan Limit Increases
November
November 18, 2016 -
VA-IRRL Eligibility; Conventional Self-Employment K-1 Distributions & Cash Flow Analysis;
New Medical Doctor Loan Product
; Thanksgiving Day Closure
August
August 30, 2016 -
Rural Housing Fee Change;
FNMA HomeReady® Guideline Changes;
Annual Recertification Required by 10-15-16
July
July 21, 2016 -
USDA Upfront Guarantee
Fee Change; Home Possible Pre-purchase Counseling Change; New FHA 92900A Requirement
July 7, 2016 -
4506T Processing Vendor Requirements
July 5, 2016 -
Home Possible® Change to Median Income Limits
June
June 27, 2016 -
EAD Requirement; FHA and VA Updates; USDA Participation List Form; Delay in FNMA DU 10.0 Release
May
May 20, 2016 -
CFPB Home Loan Toolkit Delivery Acknowledgement
April
April 21, 2016 -
MSI E-Sign Policy
April 19, 2016 -
Changes to Require Mortgage Insurance Coverage for Home Possible® Loans
March
March 28, 2016 -
USDA Changes to Qualifying and Utilization of GUS
February
February 18, 2016 -
USDA Underwriting Revision
February 5, 2016 -
FHA 4000.1 Gift Fund documentation requirements; Occupancy documentation requirements for FHA Streamline Refinances
January
January 6, 2016 -
Flood Insurance Escrow Requirements
January 22, 2016 -
Rural Housing; Changes to Utilization of GUS
2015
December
December 18, 2015 -
Fannie & Freddie 2016 Conforming Loan Limits
December 9, 2015 -
MSI E-Sign Policy
December 3, 2015 -
Home Ready Mortgage Product; FHA Low Fico Product
November
November 18, 2015 -
New DU Release; Product Updates; Guideline Changes
November 9, 2015 -
Underwriting Revisions; Forms Update; Veteran's Day
October
October 30, 2015 -
Expanded Access to Credit; Underwriting Updates
October 15, 2015 -
Loan Officer Compensation; MSI Fee Schedule; MyCommunity Mortgages
September
September 30, 2015 -
USDA Commitment Authority
September 18, 2015 -
Underwriting Revisions
September 18, 2015 -
TRID -
October 3, 2015
September 10, 2015 -
Rural Housing Upfront Fee; Conventional FRM LTV with Secondary Financing
September 3, 2015 -
Annual Recertification Notice
September 2, 2015 -
FHA Handbook
August
August 27, 2015 -
Labor Day; Fannie Mae Limited Review
August 20, 2015 -
Student Loans; NMLS Requirements; Jumbo Loans
July
July 28, 2015 -
TRID Extension; Underwriting Updates
July 9, 2015 -
Jumbo Appraisal Requirements; VA FICO
June
June 12, 2015 -
Derogatory Credit
June 2, 2015 -
New Jumbo Guidelines; Conforming Revolving Credit
May
May 28, 2015 -
Tax Transcript Rejections; Derogatory Credit
May 20, 2015 -
Memorial Holiday
April
April 29, 2015 -
Student Loans - Conforming Loans
April 22, 2015 -
Integrated Disclosures - Effective August 1, 2015
March
March 27, 2015 -
Holiday Reminder
March 20, 2015 -
Tax Transcripts
February
February 5, 2015 -
FHA Streamline; Holiday Reminder; Florida Restrictions; RESPA
January
January 29, 2015 -
Fannie 97; Important Reminders; Loan Purchase and Sale Agreement Change
January 22, 2015 -
FHA Form Requirement
January 15, 2015 -
USDA Eligibility; FHA Annual MIP; Reminders
2014
December
December 18, 2014 -
MSI New Origination System; Holiday Schedule Reminder; Loan Limits Reminder; Fannie 97
December 10, 2014 -
DU Version 9.2 - New Lock Deadline; Holiday Reminders
December 4, 2014 -
Holidays; DU Version 9.2; Reminders and USDA
November
November 20, 2014 -
Important Reminders and Jumbo Guidelines Updated
November 14, 2014 -
USDA Suspension; FICO Enhancements; Guideline Clarification
November 5, 2014 -
Holiday Reminders, ATR/QM Points/Caps for 2015; Compliance Reminder
October
October 16, 2014 -
DU Government Loans Release
October 9, 2014 -
Holiday Reminder; Various Topics
October 1, 2014 -
LP Condos; Special Purpose Refinance; USDA
September
September 25, 2014 -
USDA Fee Increase; Fannie Mae Retirement of the HomePath® Product; Extended Income Tax Filing Deadline
September 11, 2014 -
Request for Information; USDA Information
September 8, 2014 -
Recertification; Affinity Processing
August
August 26 -
Elimination of HomePath®; Holiday Reminder; Freddie Mac Updates
August 20 -
Mod Corr Seller Guide; Web Site; Customer Identification; Good News; Jumbo Updates
August 14 -
Underwriting Updates; Tax Payment Rule; Jumbo Loans; MIN
July
July 30 -
Mod Corr Partner Annoucement
July 2 -
Holiday Reminder; New York; CFPB; FHA/VA; AIR Acknowledgement
June
June 11 -
Affiliate Business Certification; AIR and CFPB Appraisal
June 4 -
Government FICO - 580 & 620
May
May 29 -
Conforming Clarification
May 22 -
Mod Correspondent Program
January
January 23 -
Points and Fees; Financial Reform Disclosures; Anti-Flipping
January 17 -
Holiday Reminder; CFPB; Gift Funds
January 9 -
CFPB and Various Topics
2013
December
December 19 -
Holiday Reminder; Announcement Note; CFPB - Audit Requirements and Rep/Warrant; Business Funds; DU Gifts
December 12 -
Holiday Schedule; 2014 Loan Limits; CFPB Tidbits; AMC Pricing
December 5 -
AIR Borrower Acknowledgement; AMC Price Change; Tax Transcripts
November
November 21 -
Thanksgiving Holiday; Homepath®; QM Points & Fees; 3/1 ARM Elimination
November 14-
Reminders; Heads Up for CFPB; Sub-Prime Loans; USDA
November 8 -
All MSI Wholesale Partners Re: Reminders
October
October 31 -
FHA Streamlines; New York; Veteran's Day; DU Version 9.1; Tax Transcripts
October 24 -
FHA Revisions; Revised Lock Times; Fannie 97; Tax Transcripts; USDA and HomePath®
October 10 -
Columbus Day and Other Important Reminders; Fannie 97
October 3 -
Government Shutdown Impact; Jumbo Revisions; Government FICO
September
September 26 -
Underwriting Chapter - Fall Housekeeping
September 19 -
Future Income; Disputed Accounts; Flood Insurance
September 12 -
Freddie Mac LP High Balance and Underwriting Changes
August
August 28 -
Reminders and More Good News
August 21 -
Good News; VA 100% Cash Out; FACTA Alert
August 9 -
FHA Changes; Underwriting Changes; Reminders
August 1 -
Multiple Topics
July
July 26 -
Underwriting Clarifications
July 18 -
VA IRRRL; Updated CPM
July 3 -
Fannie DU 97%; Massachusetts; Holiday Reminder
June
June 27 -
Holiday; Gift Funds; Large Deposits
June 20 -
Electronic Submission of Underwriting Conditions and Other Topics
June 6 -
FHA HPML
May
May 30 -
Conforming High Balance; Reminders; Clarifications
May 23 -
Reminders and New Jersey Restriction
May 16 -
Multiple Topics and FHA High Balance Streamlines
May 2 -
USDA Clarifications and Revised InHouse Appraisal Rebuttal Form
April
April 19 -
USDA Ratio Waiver Changes
April 11 -
USDA Ratio Waiver Changes
April 5 -
Multiple Topics
March
March 28 -
Reminders; LPMI; Flood Insurance Reminder
March 21 -
Maximum LTV; Co-Signed Real Estate Obligations; FHA Reminder
March 14 -
VA Jumbo Loans; Conventional Jumbo Declining Markets
February
February 27 -
Life of Loan Flood Certs and Financed Properties
February 21 -
All MSI Wholesale Partners Re: Foreign Income; MGIC
February 14 -
Holiday Reminder; POA and USDA
February 7 -
Jumbo Loan Revision; Delinquent Property Taxes & Underwriting Changes
February 4 -
Conforming FRM LTV Reduction and Other Topics
January
January 17 -
VA Appraisal Ordering Changes; Underwriting Changes and Other Topics
January 9 -
Underwriting Revisions; VA IRRRL Enhancement; USDA Pilot Refinance Discontinued
2012
December
December 19 -
Multiple Topics
December 13 -
Fannie Mae Waiver Fee; Relock Policy; and Other Topics
December 6 -
Anti-Steering; USDA; Minimum Trade Lines
November
November 29 -
REO; Matrices; Multiple Properties and Fannie Mae PIW
November 19 -
2075; Trust Certification; Investment Property; LP Relief Refinances
November 8 -
November Holiday Reminders
November 1 -
Hurricane Sandy - Added Counties- Matrix Updated
October
October 31 -
Disaster Policy Reminder and Conforming Investment
October 25 -
Various and Multiple Topics
October 15 -
Various Topics
September
September 28 -
Anti-Steering Disclosure
September 27 -
USDA FUNDING; USDA FEE CHANGE REMINDER; Other USDA Issues
September 20 -
Borrower Paid Compensation; DU Refi Plus; DU Version 9.0 and Other Topics
September 11 -
Temporary Extension Fee; DU Refi Plus
September 7 -
VA Loan Limits; Enhancements to Connexions
August
August 30 -
Underwriting Clarifications; Labor Day Closing
August 23 -
New AMC Added; Funding Reminder and Labor Day Reminder
August 20 -
USDA 2012 Refinance Allocations Depleted Today
August 16 -
FHA Streamline Overlay; USDA Changes and Other Topics
August 9 -
FHA Streamline Overlay; Reminders and Other Topics
August 3 -
Refinance Restrictions; Underwriting Changes; Appraiser Credentials and Other Topics
August 2 -
RD Pilot Refinance-Originator Compensation Issue
July
July 26 -
Multiple Topics
July 18 -
Reps/Warrants; Disaster Policy and Other Topics
July 10 -
Important Reminders; FHA/VA Revisions and Other Topics
June
June 27 -
Mortgage History and Important Reminders
June 26 -
USDA Revisions and Clarifications
June 7 -
Jumbo Product; Updated Online Tracking System; Clarifications
May
May 31 -
Anti-Money Laundering; Reminders
May 24 -
Reminders - Holiday Closing and Other Topics
May 17 -
Reminders- NMLS; ULDD and Memorial Day
May 10 -
MSI FHA Jumpstart Program and Funding Reminder
May 4 -
LP Relief Refinance; Employee Loans
April
April 26 -
Reps/Warrants; Pricing Policies and Other Topics
April 20 -
FHA Amended Dates; DU Refi Plus® and Other Topics
April 12 -
USDA Revisions; Other Topics
April 5 -
Reminders- FHA MIP; MSI Early Closing; Split MI Correction
March
March 28 -
USDA Rural Refinance Pilot; Appraisal Fees
March 16 -
Credit Report Requirements; Other Topics
March 9 -
Appraisal Form 2075; FHA Changes
March 2 -
Multiple Topics
February
February 17 -
Multiple Properties to One Borrower and Other Topics
February 10 -
Multiple Topics
February 2 -
Multiple Topics and Important Reminders and Tips
January
January 12 -
USDA; Temporary Extension Fee; Borrower Privacy
January 6 -
VA Loan Limits and Other Important Reminders and Tips
2011
December
December 16 -
Holiday Reminder; Announcement Note; CFPB - Audit Requirements and Rep/Warrant; Business Funds; DU Gifts
December 8 -
Holiday Schedule; 2014 Loan Limits; CFPB Tidbits; AMC Pricing
November
November 23 -
Thanksgiving Holiday; Homepath®; QM Points & Fees; 3/1 ARM Elimination
November 17-
Reminders; Heads Up for CFPB; Sub-Prime Loans; USDA
November 3 -
All MSI Wholesale Partners Re: Reminders
October
October 27 -
FHA Streamlines; New York; Veteran's Day; DU Version 9.1; Tax Transcripts
October 20 -
Disclosure Language
October 13 -
USDA; VA Funding Fee; Tax Extension Deadlines
September
September 29 -
USDA Changes
September 23 -
UAD Clarification; NMLS Clarification; Other Topics
September 15 -
Reminders and Other Topics
September 8 -
Multiple Topics
August
August 25 -
USDA, Temporary Loan Limits and Other Topics
August 18 -
UAD Reminders and Elimination of 2075
August 11 -
FHA Updates and other Multiple Topics
August 4 -
Multiple Topics
July
July 28 -
Multiple Topics
July 21 -
Multiple Topics
July 15 -
Multiple Topics
July 8 -
Underwriting Clarifications, Pricing Policy Revisions
June
June 10 -
CPM Instructions and Other Topics
June 3 -
Underwriting Enhancements and Other Topics
May
May 26 -
Multiple Topics
May 19 -
Multiple Topics and Important Reminders
May 18 -
Security Update - Protecting Your Private Information with Email Encryption
May 12 -
HomePath®; FHA Streamline Enhancements; Modified Mortgage Revisions and Other Topics
May 6 -
Modified Mortgage Requirements, VA High Balance and other Topics
April
April 14 -
Multiple Topics
April 1 -
LO Compensation Delayed by US Court of Appeals
March
March 31 -
Multiple Topics
March 25 -
LO Compensation and other Multiple Topics
March 15 -
Loan Officer Compensation
March 10 -
MSI Overlays for FHA; USDA Changes and Other Topics
March 3 -
FHA New Guidance and Other Topics
February
February 24 -
FHA Changes and Other Topics
February 17 -
Multiple Topics
February 10 -
Multiple Topics
January
January 27 -
Various Important Reminders and Clarifications
January 13 -
Conventional FICO; Reminder HUD Anti-Flipping; Contract Underwriters
January 6 -
Regulatory Reminders and Various Topics
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