HAL Lender Seller Guides, Updates, Bulletins & Notices
Our industry is rapidly evolving in this unprecedented environment. To support our lender partners, links to important lender seller guides, updates, bulletins and notices are provided below to provide easy access to the latest information. Bookmark this page – we keep it updated as new information is published.
Please note: Not all the information posted on this page will apply to the Home At Last™ program. If you have any questions about program guidelines, please email HAL@NVRural.org.
HAL GUIDELINE UPDATES
US BANK BULLETINS
US BANK SELLER GUIDE UPDATES
FANNIE MAE
FREDDIE MAC
FHFA
HUD
USDA
HAL GUIDELINE UPDATES
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
- 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-2021-001 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
- Covid 19 Investor Resources
- Fannie Mae COVID-19 Updates Portal
- 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
- 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
- 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