Program Guide Archives

2019 Revisions
2018 Revisions
2017 Revisions
2016 Revisions
2015 Revisions

2019 Memos
2018 Memos
2017 Memos
2016 Memos
2015 Memos

Revisions Prior to Current Year

2020 Revisions

November 20, 2020 - Revision 164 - Affidavit of Affixation
October 5, 2020 - Revision 163 - Rate Decrease
September 24, 2020 - Revision 162 - Acquisition Limits
August 28, 2020 - Revision 161 - Rate Decrease
August 19, 2020 - Revision 160 - Allowable Fees
July 29, 2020 - Revision 159 - Change in Income Limits
July 22, 2020 - Revision 158 - Rate Lock and Qualifying Income
June 29, 2020 - Revision 157 - Rate Change
June 26, 2020 - Revision 156 - Additional Second Mortgage DPA Changes
June 15, 2020 - Revision 155 - Change in Second Mortgage DPA Program
June 12, 2020 - Revision 154 - Change in Income Limits
June 4, 2020 - Revision 153 - Lender Compensation
March 24, 2020 - Revision 152 - Rate Change

2019 Revisions

December 16, 2019 - Revision 151 - Rate Change
November 12, 2019 - Revision 150 - Rate Locks and Expiration
September 9, 2019 - Revision 149 - Rate Decrease
August 28, 2019 - Revision 148 - Hazard Insurance
August 7, 2019 - Revision 147 - HHF-DPA Program Ended
July 15, 2019 - Revision 146 - Closing Changes
June 10, 2019 - Revision 145 - Rate Decrease
May 27, 2019 - Revision 144 - Change in Income Limits
March 27, 2019 - Revision 143 - HHF-DPA ZIP Changes
March 25, 2019 - Revision 142 - Rate Decrease
February 1, 2019 - Revision 141 - HHF-DPA ZIP Changes

2018 Revisions

November 15, 2018 - Revision 140 - HHF-DPA Change ZIP Codes
October 9, 2018 - Revision 139 - Servicing Change
October 4, 2018 - Revision 138 - Rate Change
September 21, 2018 - Revision 137 - Homebuyer Ed Requirement
July 25, 2018 - Revision 136 - Increase Income Limits Add Census Tracts
July 10, 2018 - Revision 135 - Income Limits - Correction to Rev 134
July 5, 2019 - Revision 134 - Income Limits Decrease - Targeted Change
April 5, 2018 - Revision 133 - Tax Service Fee
March 14, 2018 - Revision 132 - Rate Change
February 21, 2018 - Revision 131 - Initial Escrow Deposit
February 7, 2018 - Revision 130 - Interest Rate Change

2017 Revisions

November 15, 2017 - Revision 129 - Interest Rate Decrease
October 24, 2017 - Revision 128 - TRID Information
October 16, 2017 - Revision 127 - HHF Expansion of ZIP Codes
September 18, 2017 - Revision 126 - TRID Exemption
August 1, 2017 - Revision 125 - HHF-DPA New Form
July 28, 2017 - Revision 124 - Change in Servicing
July 20, 2017 - Revision 123 - Updated Forms
May 11, 2017 - Revision 122 - Change in Income Limits
April 4, 2017 - Revision 121 - Allowable Fees
March 3, 2017 - Revision 120 - Principal Reduction
February 24, 2017 - Revision 119 - HHF-DPA Program
January 10, 2017 - Rate Change

2016 Revisions

December 9, 2016 - Revision 117 - Rate Change
October 31, 2016 - Revision 116 - Good Faith Estimate
October 3, 2016 - Revision 115 - Rate Change
September 23, 2016 - Revision 114 - Great Choice Changes
June 7, 2016 - Revision 113 - Income Limits Increase
May 23, 2016 - Revision 112 - Income Limits Correction
May 13, 2016 - Revision 111 - Income Limits
March 7, 2016 - Revision 110 - Homebuyer Education
February 18. 2016 - Revision 109 - Rate Change
January 25, 2016 - Revision 108 - Non-Traditional Credit

2015 Revisions

December 17, 2015 - Revision 107 - Revision of Note
December 1 - 2015 - Revision 106 - VOD
October 5, 2015 - Revision 105 - Clarify TRID Exemption
September 22, 2015 - Revision 104 - TRID Exemption
July 31, 2015 - Revision 103 - Homebuyer Education
July 29, 2015 - Revision 102 - Income and Acquisition Limits
June 30, 2015 - Revision 101 - Income Limits
May 22, 2015 - Revision 100 - Rate Change
May 13, 2015 - Revision 99 - FICO Servicing Changes
April 7, 2015 - Revision 98 - Eligible Applicants
February 26, 2015 - Revision 97 - Chnages to Language in Guide
January 27, 2015 - Revision 96 - Correction to Revision 95
January 26, 2015 - Revision 95 - Refer-Eligible

Memos Prior to Current Year

2020 Memos

December 1, 2020 - IRS Form 4506-C Information
November 20, 2020 - Affidavit of Affixation
October 5, 2020 - Rate Decrease
September 24, 2020 - Acquisition Limits
August 28, 2020 - Rate Decrease
August 19, 2020 - Allowable Fees
July 29, 2020 - Change in Income Limits
July 23, 2020 - Change in Delivery of Original Mortgage Notes
July 22, 2020 - Rate Lock and Qualifying Income
June 29, 2020 - Rate Change
June 26, 2020 - Additional Second Mortgage DPA Changes
June 15, 2020 - Change in Second Mortgage DPA Program
June 12, 2020 - Change in Income Limits
June 9, 2020 - Update on GC97; Training; Rollout
June 8, 2020 - Extension of HBE Certificates-COVID-19
June 4, 2020 - Lender Compensation
April 17, 2020 - COVID-19 Induced Financial Hardships
April 15, 2020 -Homebuyer Education Certificates
March 30, 2020 - Update Lender Guidance on COVID-19
March 24, 2020 - Rate Change
March 23, 2020 - Update on GC97 with Handouts
March 20, 2020 - Lender Guidance on COVID-19
January 27, 2020 - GC97 Rollout in Phases
January 23, 2020 - GC97 Introduction

2019 Memos

December 16, 2019 - Rate Change
November 22, 2019 - Establishing/Reestablishing Credit
November 12, 2019 - Rate Locks and Expirations
October 18, 2019 - THELMA Rate Locks
September 19, 2019 - MCC Suspension
September 9, 2019 - Rate Decrease
August 28, 2019 - Hazard Insurance
August 7, 2019 - HHF-DPA Program Ended
July 31, 2019 - Conclusion of HHF-DPA Program
July 24, 2019 - Update on Mortgagee Letter 19-06
July 17, 2019 - Update on HHF-DPA Program
July 15, 2019 - Changes in Closing Process
July 15, 2019 - Update-HUD Mortgagee Letter 19-06
July 1, 2019 - Update of HHF-DPA Funds
June 10, 2019 - Rate Decrease
May 21, 2019 - Change in Income Limits
May 17, 2019 - Take Credit MCC Program Suspended
April 26, 2019 - Mortgagee Letter 19-07
April 24, 2019 - Mortgagee Letter 19-06
March 27, 2049 - HHF-DPA ZIP Changes
March 25, 2019 - Rate Decrease
February 1, 2019 - HHF-DPA ZIP Changes

2018 Memos

November 15, 2018 - HHF-DPA Change ZIP Codes
October 9, 2018 - Servicing Change
October 4, 2018 - Rate Change
September 21, 2018 - Homebuyer Education Change
July 25, 2018 - Increase in Income Limits
July 5, 2018 - Change Income Limits & Targeted Areas
April 5, 2018 - Tax Service Fee
March 14, 2018 - Rate Change
March 6, 2018 - Homebuyer Education Requirement
March 5, 2018 - Status of Servicing Transfer
February 21, 2018 - Initial Escrow Transfer
February 20, 2018 - HHF-DPA Update
February 7, 2018 - Interest Rate Change

2017 Memos

December 22, 2017 - Tax Reform Update
December 19, 2017 - MERS Updates and VMLS Servicing Timeline
December 14, 2017 - Madison county HBEI Options
November 15, 2017 - Interest Rate Decrease
November 13, 2017 - MCC Update
November 8, 2017 - Tax Reform Proposal
October 24, 2017 - TRID Information
October 16, 2017 - HHF Expansion of ZIP Codes
October 12, 2017 - Servicing Transfer and MERS Update
September 18, 2017 - TRID Exemption
August 1, 2017 - HHF-DPA New Form
July 28, 2017 - Change in Servicing
July 20, 2017 - Update Forms
July 17, 2017 - MERS Update
June 30, 2017 - Use of DPA Funds
June 1, 2017 - MERS Updates
May 18, 2017 - MERS System
May 11, 2017 - Change in Income Limits
April 4, 2017 - Allowable Fees
March 22, 2017 - Tax Service Fee Reduction
March 3, 2017 - Principal Reduction
February 27, 2017 - Rate Change
February 24, 2017 - HHF-DPA Program
January 10, 2017 - Rate Change

2016 Memos:

December 9, 2016 - Rate Change
October 31, 2016 - Good Faith Estimate
October 3, 2016 - Rate Decrease
June 17, 2016 - Servicing Requirements
June 7, 2016 - Income Limits Increase
May 24, 2016 - New Start Recapture Requirements
May 23, 2016 - Income Limits Correction
March 7, 2016 - Homebuyer Education
February 18, 2016 - Rate Change
February 8, 2016 - Loan Operating System
January 25, 2016 - Non-Traditional Credit

2015 Memos

December 17, 2015 - Revision of Note
December 1, 2015 - VOD
November 2 - 2015 - US Bank Bulletins
October 9, 2015 - Original Endorsed Notes
October 5, 2015 - Clarify TRID Exemption
September 22, 2015 - TRID Exemption
September 8, 2015 - Delay HFA
August 27, 2015 - E & O Coverage
July 30, 2015 - Homebuyer Education
July 29, 2015 - Income and Acquisition Limits
June 30, 2015 - Income Limits
May 18, 2015 - Rate Change
May 12, 2015 - FICO Servicing Changes
April 1, 2015 - Eligible App
January 26, 2015 - Refer-Eligible