Underwriting Guidelines

Underwriting Guidelines

Underwriting Guidelines Documents


Document
PDF
New Guidelines Changes
Underwriting Guidelines Manual
PMI Guidelines at a Glance
Alaska/Hawaii Underwriting Guidelines
Comparable Credit Eligibility Criteria
Condominium Project Criteria
Construction-Permanent Guidelines
Credit Evaluation and Valid Credit Scores
Desktop Underwriter® (DU®) and Loan Prospector® (LP)
Desktop Underwriter (DU) and Loan Prospector (LP) (Distressed Markets Version – Arizona, Florida and Nevada)
Fannie Mae HomeStyle® Renovation Mortgage Policy
Non-Traditional Credit
Primary (Owner) Conversion Policy
Property Flipping

Appraisal/Distressed Markets Policy


Document
PDF
Distressed Markets Policy
Distressed Markets List
Keys to Appraisal Review in Distressed or Declining Markets

PMI-to-PMI Refinance-to-Modification Program


Document
PDF
PMI-to-PMI Refinance-to-Modification GSE HARP-Eligible (Same Lender/Servicer)
PMI-to-PMI Refinance-to-Modification GSE HARP-Eligible (New Lender/Servicer)
PMI-to-PMI Refinance-to-Modification (Non-HARP-Eligible) (Same Lender/Servicer)
PMI-to-PMI Refinance-to-Modification (Non-HARP-Eligible) (New Lender/Servicer)

Underwriting Forms & Tips


Document
PDF / XLS
Income Calculation Worksheet
Self-Employed Income Calculation Worksheet
"Do You Make the Top 10?" – Underwriting Errors
Top 10 Appraisal-Related Issues


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