Underwriting Guidelines

Underwriting Guidelines

Underwriting Guidelines Documents


Document
PDF
New Guidelines Changes
v. 8.10.11
Underwriting Guidelines Manual
v. 8.15.11
PMI Guidelines at a Glance
v. 7.11.11
Alaska/Hawaii Underwriting Guidelines
v. 5.23.11
Comparable Credit Eligibility Criteria
v. 7.11.11
Condominium Project Criteria
v. 4.27.11
Construction-Permanent Guidelines
v. 5.23.11
Credit Evaluation and Valid Credit Scores
v. 5.23.11
Desktop Underwriter® (DU®) and Loan Prospector® (LP)
v. 5.23.11
Desktop Underwriter (DU) and Loan Prospector (LP) (Distressed Markets Version – Arizona, Florida and Nevada)
v. 5.23.11
Fannie Mae HomeStyle® Renovation Mortgage Policy
v. 5.23.11
Non-Traditional Credit
v. 7.11.11
Primary (Owner) Conversion Policy
v. 5.23.11
Property Flipping
v. 3.1.11
Ready RefiSM
More Ready Refi Information
v. 8.10.11

Appraisal/Distressed Markets Policy


Document
PDF
Distressed Markets Policy
v. 5.23.11
Distressed Markets List
v. 7.1.11
Keys to Appraisal Review in Distressed or Declining Markets
v. 2.08

PMI-to-PMI Refinance-to-Modification Program


Document
PDF
PMI-to-PMI Refinance-to-Modification GSE HARP-Eligible (Same Lender/Servicer)
v. 4.25.11
PMI-to-PMI Refinance-to-Modification GSE HARP-Eligible (New Lender/Servicer)
v. 4.25.11
PMI-to-PMI Refinance-to-Modification (Non-HARP-Eligible) (Same Lender/Servicer)
v. 4.25.11
PMI-to-PMI Refinance-to-Modification (Non-HARP-Eligible) (New Lender/Servicer)
v. 6.1.11
Other Refinance-to-Modification Information

Underwriting Forms & Tips


Document
PDF / XLS
Income Calculation Worksheet
v. 11.10.09
Self-Employed Income Calculation Worksheet
v. 3.21.11
"Do You Make the Top 10?" – Underwriting Errors
v. 7.19.10
Top 10 Appraisal-Related Issues
v. 7.13.10


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