Mortgage Guidelines & Regulations

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Because getting a mortgage loan closed
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Interpreting Fannie Mae - Freddie Mac FHA - VA - Compliance - Rules & Guidelines for:
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Processors		Company Owners & Managers

Child Support: The Difference Between Fannie & Freddie

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Fannie Home Affordable FAQ’s DU Relief Ref & Refi Plus - Updated 12-20-11 - 2012-01-10

Freddie Mac Updates Buying Incentives for REO’s (Effective 11-15-11 to 1-31-12). [Download Mortgage Talking Points^TM, Smart Buy Incentives to Buy Freddie Mac Foreclosed Homes] - 2011-12-10

Fed Updates Dollar Value Trigger for TIL & HOEPA Disclosures (Effective 1-1-12) - 2011-11-10

Freddie Expands Clarification on Financing Rural Property - 2011-10-10

SAFE Act Loan Officer Testing - Retake Policy (Effective 8-29-2011) - 2011-09-10

Fannie Replaces “Qualified Participants Policy” to “Lender Hiring Requirements” - SEL 2011-06 [Part 1] (Effective July 26, 2011) - 2011-08-10

Final Rule – Setting Standards for State Compliance with SAFE Act – New Regulator in Charge of SAFE Act (Effective August 29, 2011) - 2011-07-10

USDA RD changes how maximum interest rate is determined on Guaranteed Housing Loans (Effective August 1, 2011) - 2011-06-10

House Swapping - Commonly Known as "Trade Equity" - 2011-05-10

Fannie Updates the Selling Guide – SEL 2011-03 - 2011-04-10

Loan Officer Compensation - Safe Harbors - 2011-03-10

HUD REO $100 Down Sales Icentives are Dwindling - 2011-02-10

FHA Quality Control Requirements for Direct Endorsement Lenders – ML 2011-02 (Effective January 5, 2011) - 2011-01-10

Vantage Scores and NMLS - What You Need to Know - 2010-12-10

Fannie Offers EarlyCheck™ Optional to Lenders – EarlyCheck™ Release Notes 1.0 (Effective 12-20-10) - 2010-11-10

Fannie & Freddie Release News About Appraiser Independence - HVCC - Take Two! - 2010-10-10

Fannie’s Ever-Changing FAQ – LQIs Maddening Twists and Turns – July 29 & August 19 Updates. - 2010-09-10

Updated HUD Settlement Cost Booklet Issued - July 15, 2010 (Link to Updated Version) - 2010-08-10

Freddie Offers Help on Chinese Drywall Problem - Industry Letter 6-25-10 [Download Mortgage Talking Points^TM flyer, Some Relief for Chinese Drywall Problem] - 2010-07-10

FHA Electronic Signatures on Third Party Documents – ML 2010-14 (Effective April 8, 2010) [Download copy of E-Sign Act] - 2010-05-10

Self-Employed Borrowers: Why They Should Think Twice Before Filing That Extension! - 2010-04-10

Pass or Fail - What Every Mortgage Broker Should Know About SAFE Act Training - 2010-03-10

FHA Cleaning House with a Bigger Broom - Procedures for Terminating Underwriting Authority (ML 2010-03) - 2010-02-10

FHA RESPA & FHA Related Policies - The 1% Origination Cap is GONE (ML 2009-53: Effective 1-1-2010) - 2010-01-10

FHA Gives Relief from Second Appraisal Requirement (ML 2009-48, Effective 11-18-09) - 2009-12-10

FHA Approves More Non-Profits Deemed Worthy of Helping Homeowners - 2009-11-10

HUD RESPA FAQs - Confusion About "Changed Circumstances" and When to Issue a New Good Faith Estimate - 2009-10-10

FHA - The Deadline is Here! New FHA Appraiser Requirements (Effective October 1, 2009) - 2009-09-11

USDA Manufactured Housing Defines Existing vs. New Clarified - (Includes Manufactured Housing Fact Sheet) - 2009-08-18

What's New with the SAFE Act? (Effective 7-31-09) - 2009-07-01

What's the Latest on the Home Valuation Code of Conduct? (Mortgage Talking Points^TM flyer - FAQs for Real Estate Agents and Builders) Included. - 2009-05-12

Talking Points - $8000 Home Buyer Tax Credit Basics (American Recovery & Reinvestment Act 2009) - Mortgage Talking Points® Flyer Download for Subscribers - 2009-02-20

FHA Secure – What You Need To Know - 2008-11-21

Clearing Up Confusing Info About ML 2008-25; Rents Current Home! - 2008-09-30

What’s Happening to Fannie and Freddie: An Open Letter from MBA - 2008-09-09

Mtg. Rule Changes Skewer Some Sales - Some Sales Fall Apart Before Closings as New Regulations Pepper Down. - 2008-08-10

How a Bill Becomes a Law. - 2008-08-07

Will Brokers Lose the Ability to Order Appraisals? - 2008-07-09

The Mis Information about the Property Flipping Rule. - 2008-06-30

Declining Market Withdrawn, Reduced LTVs? - 2008-06-10

FannieMae Declining Market Policy Goes Away! - 2008-05-19

Credit Score, Indicator Score, Representative Score, FICO Score - 2008-05-08

FREDDIE MAC TIP - 2008-04-04

Listen to Song - Fannie Mae sung to the tune of Maggie Mae - 2008-04-04

FHA TIP - Loan Officer or Real Estate Agent? - 2008-04-04

Mistake that ALMOST cost one loan officer's credibility! - 2008-04-01

Mortgagee Letter 2008-06 Temporary FHA Loan Limit Increase - 2008-03-07

The Skinny on FHA Loan Limit Increases - 2008-02-15