Underwriting Guidelines Summary and Modification Request Form
Effective October 1, 2009

Refinance with Certificate Modification Program
Effective September 30, 2009

Minimum Credit Score and Maximum Debt-To-Income (DTI) Ratio Requirement Changes
Effective July 6, 2009

Refinance Requirements, Refinance with Certificate Modification, and Home Affordable Modification Program
Updated July 2, 2009

Rate Runner Enhancements and Customer Quality Center and Loss Mitigation Forms
Effective June 29, 2009

Required Information for
Third-Party Origination Loans
Effective June 17, 2009

Updates to the Refinance with Certificate Modification Program
Effective Immediately

Reinstatements of Insurance Coverage for First-Lien Mortgages
Effective Immediately

Desktop Underwriter (DU)
Refi Plus Loans
Effective Immediately

Second-Lien Subordination Policy
Effective Immediately

Traditional Loan Modification Guidelines, Revised Modification Form, and New Instruction Sheet
Effective Immediately

Desktop Underwriter (DU) Refi Plus Loans
Effective Immediately and New May 7, 2009

New Guidelines for Loan Assumptions and Partial Releases
Effective April 15, 2009

Financed MI Underwriting Eligibility Change for Declining Markets
Effective Immediately

Underwriting Eligibility Changes
Effective February 19, 2009 and March 16, 2009

Amended Valid Credit Score and Status Change Summary for Declining Markets List
Effective February 2, 2009

Declining Markets List and Policy Changes
Effective January 30, 2009

GSE High-Balance and Super Conforming Amendment
Effective January 2, 2009

See also:

Underwriting Guidelines