2017

Bulletin 17-30: Ordering an Appraisal on Fannie Mae/Freddie Mac Transactions Bulletin 17-29: Northern California Wild Fires – Fundings Suspended 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
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
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
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
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
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