HAL Program Updates
For our lender partners, here is where you’ll find a complete list of program updates. If you have any questions about program guidelines please email HAL@NVRural.org.
HAL PROGRAM UPDATES
2021-02 HAL Program Update- New Income Limits
2021-01 MCC Program Update 30 Percent USDA Fee Waiver
2020-08 Manufactured Housing Update
2020-07 U.S. Bank’s New Mailing Address for HFA Final Documents
2020-06 Updates to Underwriter Certification Requirement and HAL Pals Pet Adoption Program
2020-05 US Bank FHA Loan Overlays_2020-04-03
2020-04 HFA Program Options Update
2020-03 HFA Program Options Update
2020-02 Freddie Mac – Income Limited to 80% AMI
2020-01 DTI Permitted up to 50% on FHA loans, SRP & Origination Fee Updates
2019-08 MCC Returns to 20% Tax Credit Rate
2019-07 MCC Temporarily Increases to 50%
2019-06 MCC Program 75% Utilized
2019-05 USDA Rate Cap Eliminated
2019-04 Fannie Mae HFA Preferred Update (Amended)
2019-03 Freddie Mac 5% is back
2019-02 Refinance Clarification
2019-01 Manufactured Housing FICO, DTI and Manual Underwriting Update
US BANK BULLETINS
- Bulletin B-2021-18 Juneteenth Day Holiday 2021-06-18
- Upcoming New Years Holiday and Hours of Operation 2020-12-22
- US Bank Best Practices Dec 2020_2020 12-10
- Holidays 2020-10-07
- COVID-19-Frequently Asked Questions_2020-5-08
- COVID-19-Frequently Asked Questions_2020-5-5
- Overlays Matrix _2020-04-03
- Bulletin B-2020-08 New COVID-19 Resource Page in All Regs and FAQ_2020-04-02
- COVID-19 Frequently Asked Questions_2020-04-01
US BANK SELLER GUIDE UPDATES
- SEL-2021-024 Underwriting 2020-05-19
- SEL-2021-023 Underwriting 2020-05-11
- SEL-2021-020 Multiple Topics 2021-04-03
- SEL 2021-016 FHA Endorsements 2021-30-03
- SEL 2021-012 FHA New Documents 2021-22-03
- SEL-2021-004 Underwriting 2021-29-01
- Revised HFA Only Reminder – Homebuyer Ed Requirements_1-28-21
- HFA Only Reminder – Homebuyer Ed Requirements_1-26-21
- SEL-2021-003 Underwriting 2021-01-22
- SEL-2021-002 Underwriting 2021-01-15
- SEL-2021-001 Multiple Topics 2021-01-08
- SEL-2020-100 Underwriting 2020-12-23
- SEL-2020-099 Underwriting 2020-12-23
- SEL-2020-098 Underwriting 2020-12-18
- SEL-2020-097 Underwriting 2020-12-11
- SEL-2020-095 Underwriting 2020-12-4
- SEL-2020-093 Underwriting 2020-11-27
- SEL-2020-092 Underwriting 2020-11-20
- SEL-2020-090 Underwriting 2020-11-13
- SEL-2020-089 Underwriting 2020-11-6
- SEL-2020-088 Underwriting 2020-10-30
- SEL-2020-086 Underwriting 2020-10-23
- SEL-2020-085 Underwriting 2020-10-16
- SEL-2020-084 Underwriting 2020-10-9
- SEL-2020-082 Underwriting 2020-10-2
- SEL-2020-081 Underwriting 2020-9-25
- SEL-2020-080 Underwriting 2020-9-18
- SEL-2020-079 FHA FICO Overlay Clarifications
- SEL-2020-066 Updated Temporary Flexibilities for VA and USDA Appraisals 2020-8-10
- SEL-2020-052 Freddie mac Income Calculation Change-Government Ext. of Temp. Flexibilities Related to Covid-19 2020-7-03
- SEL-2020-051 June 29 Agreement Reminder 6-29-20
- SEL-2020-050 Underwriting-Multiple Topics 2020-6-19
- SEL-2020-048 Multiple Topics-Temp. GNMA Eligibility Requirements Under Cares Act 2020-6-12
- SEL-2020-046 Req. and Guidance Related to Covid 19-Self Employed Borrowers 2020-6-05
- SEL-2020-045 Clarification- Gov. Requirements Guidance Related to Covid 19 2020-5-29
- SEL-2020-044 Multiple Topics-Cares Act-Loans in Forbearance-Attestation 2020-5-22
- SEL-2020-039 Mortgage Loans In Early Forbearance 2020-5-11
- SEL-2020-038 Multiple Topics – VA Cashouts – Updated FAQs 2020-5-08
- SEL-2020-037 COVID-19 Borrower Attestation – Forbearance Clarification – Updated FAQs
- SEL-2020-034 Mortgage Loans In Early Forbearance_2020-04-27
- SEL-2020-032-Temp Flexibilities for VA Appraisal, Disasters and Updated Overlays_2020-04-24
- SEL-2020-027 Correspondent Overlay Clarification and Temporary Flexibilities (FICO and DTI Overlay Does Not Apply to HFA Loans)_2020-04-07
- SEL-2020-026 FHA No Streamline Refi – No Manual Underwrite – FICO <660 1 Mo Reserves and 6 Mo Min Employment_2020-04-03
- SEL-2020-023 Tax Returns – 4506-T – Employment Verifications – Title Insurance_2020-04-01
- SEL-2020-022 Employment Verifications – Appraisal Requirements for VA-FHA-RD Loans_2020-04-01
- SEL-2020-021 Appraisals – Employment Verifications – Work Number from Equifax – 4506-T – Contact Info_2020-03-27
- SEL-2020-017 Title Insurance – Gap Coverage Requirements_2020-03-20
- SEL-2020-015 Keeping You Informed – Final Doc Delivery and Penalties Update – Loan Funding and Purchase Advices_2020-03-19
FANNIE MAE
- Top Trending Selling FAQs
- Fannie Mae COVID-19-SEL 2021-03 Selling Guide Announcement Updated 2021-04-07
- Covid 19 Investor Resources
- Fannie Mae COVID-19 Updates Portal
- Fannie Mae COVID-19-SEL 2021-02 Selling Guide Announcement Updated 2021-03-03
- Fannie Mae Covid-19-LL-2021-02 Impact of COVID-19 on Servicing Updated 2021-10-02
- Fannie Mae COVID-19-LL-2021-07 Payment Deferral Updated 2021-02-10
- Fannie Mae COVID-19-LL-2021-04 COVID Appraisal Updated 2021-02-10
- Fannie Mae COVID-19-LL-2021-03 COVID Originations Updated 2021-02-10
- Fannie Mae COVID-19 LL-2021-02 COVID Servicing 2021-01-20
- Fannie Mae COVID-19 LL-2020-02 COVID Servicing 2020-12-9
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-12-10
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-12-10
- Fannie Mae COVID-19 LL-2020-07 Payment Deferral Updated 2020-11-18
- Fannie Mae COVID-19 LL-2020-06 Selling Loans in Forbearance Updated 2020-11-13
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-11-13
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-11-13
- Fannie Mae COVID-19 LL 2020-06 Selling Loans in Forbearance Updated 2020-10-21
- Fannie Mae COVID-19 LL 2020-03 Impact on Originations Updated 2020-10-19
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-10-19
- Fannie Mae COVID-19 LL-2020-07 Payment Deferral Updated 2020-10-14
- Fannie Mae COVID-19 LL-2020-05 Payment Deferral Updated 2020-10-14
- Fannie Mae COVID-19 Selling LL-2020-02 Impact on Servicing-Updated 2020-10-14
- Fannie Mae COVID 19 Selling FAQs Updated 2020-08-12
- Fannie Mae COVID 19 Selling FAQs Updated 2020-07-01
- Fannie Mae COVID-19 External FAQs Updated_2020-04-08
- Fannie Mae-COVID-19 Selling LL-2020-06 Selling Loans in Forbearance Updated 2020-09-24
- Fannie Mae-COVID-19 Selling LL-2020-03 Impact on Originations Updated 2020-09-24
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-09-24
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-08-27
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-08-27
- Fannie Mae COVID-19 LL-2020-11 Disaster Payment Deferral Updated 2020-08-27
- Fannie Mae COVID-19 LL-2020-05 Payment Deferral Updated 2020-08-27
- Fannie Mae-COVID-19 LL-2020-07 Payment Deferral Updated 2020-08-27
- Fannie Mae-COVID-19 LL-2020-06 Selling Loans in Forbearance Updated 2020-08-27
- Fannie Mae-COVID-19 LL-2020-02 Impact on Servicing Updated 2020-08-27
- Fannie Mae-COVID-19 LL-2020-06 Selling Loans in Forbearance Updated 2020-07-31
- Fannie Mae COVID-19 LL-2020-11 Disaster Payment Deferral_2020-07-15
- Fannie Mae COVID-19 LL-2020-09-Incentive Fees for Retention Workout Options Updated 2020-07-15
- Fannie Mae COVID-19 LL-2020-09 Incentive Fees for Retention Workout Options 2020-06-10
- Fannie Mae COVID-19 LL 2020-08 Changes To Servicer Principal and Interest Advance Requirements 2020-07-15
- Fannie Mae COVID-19 LL 2020-08 Changes To Servicer Principal and Interest Advance Requirements 2020-06-10
- Fannie Mae COVID-19 Payment Deferral Program 2020-07-01
- Fannie Mae COVID-19 LL 2020-07 Payment Deferral Updated 2020-07-15
- Fannie Mae COVID-19 LL 2020-07 Payment Deferral Updated 2020-06-10
- Fannie Mae COVID-19 LL-2020-07 Payment Deferral Updated 2020-05-27
- Fannie Mae COVID-19 LL-2020-07 Payment Deferral_2020-05-13
- Fannie Mae COVID-19 LL-2020-06 Selling Loans in Forbearance Updated 2020-06-11
- Fannie Mae COVID-19 LL-2020-06 Selling Loans in Forbearance Updated 2020-05-19
- Fannie Mae COVID-19 LL-2020-06 Single Family Sellers Selling Loans in Forbearance 2020-04-22
- Fannie Mae COVID-19 LL 2020-05 Payment Deferral Updated 2020-07-15
- Fannie Mae COVID-19 LL-2020-05 Payment Deferral Updated 2020-05-27
- Fannie Mae COVID-19 LL-2020-05 Payment Deferral 2020-03-25
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-07-09
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated 2020-06-11
- Fannie Mae-COVID-19 LL-2020-04 Impact on Appraisals Updated_2020-05-05
- Fannie Mae-COVID-19 LL-2020-04-Impact on Appraisals Updated_2020-04-14
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals Updated_2020-03-31
- Fannie Mae COVID-19 LL-2020-04 Impact on Appraisals_2020-03-23
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-07-09
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-06-11
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-05-28
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated 2020-05-19
- Fannie Mae-COVID-19 LL-2020-03 Impact on Originations Updated 2020-05-05
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations Updated_2020-03-31
- Fannie Mae COVID-19 LL-2020-03 Impact on Originations_2020-03-23
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated_2020-07-15
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-06-24
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-06-10
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-05-14
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-04-09
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-04-08
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing Updated 2020-03-25
- Fannie Mae COVID-19 LL-2020-02 Impact on Servicing_2020-03-18
FREDDIE MAC
- Freddie Mac Payment Deferral Solutions
- Freddie Mac COVID-19 Resources Page
- Freddie Mac COVID-19 Selling-Related Frequently Asked Questions (FAQs)
- Freddie Mac COVID-19 Bulletin 2020-48 Selling/Servicing Updates 2020-12-16
- Freddie Mac COVID-19 Bulletin 2020-46 Servicing Updates 2020-12-9
- Freddie Mac COVID-19 Bulletin 2020-47 Extension of Temporary Flexibilities 2020-12-10
- Freddie Mac COVID-19 Updates to Self Employed Income-Extentions of Covid 19 Related Flexibilities 2020-11-13
- Freddie Mac COVID-19 Bulletin 2020-41 Extension Of The Effective Dates For The Purchase Of Mortgages In Forbearance Due To Covid 19 2020-10-21
- Freddie Mac COVID-19 Bulletin 2020-40 Extension of Covid 19 Related Selling Flexibilities 2020-10-19
- Freddie Mac COVID-19 Bulletin 2020-37 Updates to Market Condition Credit Fee Related Requirements 2020-09-24
- Freddie Mac COVID-19 Bulletin 2020-28 Eligible Disasters And Other Servicing Guidance 2020-07-15
- Freddie Mac COVID-19 Bulletin 2020-34 Foreclosure Moratorium Extension and Disaster Forbearance Updates_2020-08-27
- Freddie Mac COVID-19 Bulletin 2020-35 Updates to Market Condition Credit Fee and Covid 19 Related Requirements From Previous Bulletins 2020-08-27
- Freddie Mac COVID-19 Bulletin 2020-30 Extension of Temporary Requirements for Purchase of Mortgages In Forbearance 2020-07-31
- Freddie Mac COVID-19 Bulletin 2020-29-Servicing Updates 2020-07-15
- Freddie Mac COVID-19 Bulletin 2020-27-Updates Regarding Temporary Covid 19 Related Requirements from Previous Bulletins_2020-07-09
- Freddie Mac COVID-19 Eligible Disasters And Other Servicing Guidance 2020-07-15
- Freddie Mac COVID-19 Bulletin-2020-25 Temporary Servicing Guidance Related to Covid 19 And EDR Clarification For All Hardship Reasons 2020-06-25
- Freddie Mac COVID-19 Bulletin-2020-24 Revised Liquidity Requirement for Mortgages in Covid-19-Related Forbearance_2020-06-24
- Freddie Mac COVID-19 Bulletin-2020-23 Updates Regarding Temporary Covid 19 Related Requirements from Previous Bulletins 2020-06-11
- Freddie Mac COVID-19 Bulletin-2020-21 Temporary Servicing Guidance 2020-06-10
- Freddie Mac COVID-19 Bulletin 2020-19 Selling Guidance 2020-05-28
- Freddie Mac COVID-19 Bulletin 2020-17 Selling Guidance Updated 2020-05-22
- Freddie Mac COVID-19 Bulletin 2020-17 Selling Guidance 2020-05-19
- Freddie Mac COVID-19 Bulletin 2020-16 Temporary Servicing Guidance
- Freddie Mac COVID-19 Bulletin 2020-15 Payment Deferral_2020-05-13
- Freddie Mac COVID-19 Bulletin 2020-14-Selling Requirements and Guidance 2020-05-05
- Freddie Mac COVID-19 Bulletin 2020-12 Temporary Selling Requirements for Mortgage in Forbearance_2020-04-22
- Freddie Mac COVID-19 Bulletin 2020-11 Selling Guidance 2020-04-14
- Freddie Mac COVID-19 Bulletin 2020-10 Temporary Servicing Guidance_2020-04-08
- Freddie Mac COVID-19 Bulletin 2020-8 Additional Selling Guidance_2020-03-31
- Freddie Mac COVID-19 Bulletin 2020-7 Servicing Requirements and Relief_2020-03-25
- Freddie Mac COVID-19 Bulletin 2020-5 Selling Guidance_2020-03-23
- Freddie Mac COVID-19 Bulletin 2020-4 Temporary Servicing Guidance_2020-03-18
FHFA
- FHFA Extends COVID-19 Multifamily Forbearance through March 31, 2021
- FHFA Addresses Servicer Liquidity Concerns, Announces Four Month Advance Obligation Limit for Loans in Forbearance
- News Release: FHFA Directs Enterprises to Grant Flexibilities for Appraisal
and Employment Verifications
HUD
- FHA to Permit DACA Status Recipients to Apply for FHA Insured Mortgages
- Mortgagee Letter 2020-30_2020-09-10
- FHA Mortgagee Letter 2020-16 Endorsement of Mortgages under Forbearance for Borrowers Affected by the Presidentially-Declared Covid 19 National Emergency 2020-06-04
- FHA Mortgagee Letter 2020-06 Loss Mitigation Options in Accordance with CARES Act 2020-04-01
- FHA COVID 19 Question and Answers_2020-04-01
USDA
- GUS Frequently Asked Questions
- SFH Guaranteed Lender
- Single Family Housing Guaranteed Loan Program Offers 0% Down With A 90% Guarantee Flyer
- Single Family Housing Income Eligibility
- USDA LINC Training and Resource Library
- Notification of HB-1-3555, Chapter 9, Mortgage Credit Certificate Guidance 2021-03-05
- SFHGLP Lending Partner Webpage
- SFHGLP webpage
- USDA URLA Frequently Asked Questions
- Procedure Notices
- USDA SFHG Application Bookmark Technical Bulletin
- New GUS and Redesigned URLA – Important Dates and Application Submission Instructions
- USDA Fiscal Year 2021 Conditional Commitment Notice
- USDA Origination FAQs (For HAL Loans Follow US Bank Guidelines)
- USDA SFH Origination – Single Family Housing Guaranteed Loan Program Extension of Temporary Exceptions in Relation to COVID-19 Pandemic