FHFA Market Designation Update
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Updated Property and Liability Insurance Requirements
For Mortgage Loans placed Under Application on or after December 13, 2024.
Updated Restricted Vendor List
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Lender Letter 24-07: Loan Document Update
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Appraiser Independence Requirements
Announcing new compliance requirements and a future Guide Update.
| PUBLICATION IDENTIFIER | PUBLICATION NAME | EFFECTIVE DATE |
|---|---|---|
| Notification 24-29 | FHFA Market Designation Update | 12/19/2024 |
| Guide Update 24-13R | Property and Liability Insurance | 12/13/2024 |
| Notification 24-28 | Forms 4097 and 4098 | 01/01/2025 |
| Notification 24-27 | Form 4827 | 12/11/2024 |
| Notification 24-26 | Restricted Vendor List | 12/06/2024 |
| Notification 24-25 | Updated Form 4804 | 12/03/2024 |
| Notification 24-24 | Form 4830 and Form 4831 | 11/22/2024 |
| Notification 24-23 | Appraisal Data Set (Form 4827.A) | 01/28/2025 |
| Guide Update 24-12R | Revised Implementation Timing for Appraisal, Market, and Valuation | 11/15/2024 |
| Notification 24-22 | Multifamily Underwriting Standards (Form 4660) | 11/15/2024 |
| Supplement 24-09 | Appraiser Independence Requirements | 03/31/2025 |
| Guide Update 24-11 | Sponsor-Initiated Affordability | 10/30/2024 |
| Guide Update 24-10 | SARM Underwriting and Escrows | 10/25/2024 |
| Notification 24-20 | Digitized Multifamily Lender Certification (4637) | 10/25/2024 |
| Guide Update 24-09 | Expanded Housing Choice | 10/15/2024 |
| Supplement 24-08 | Hurricane Milton | 10/10/2024 |
| Notification 24-18 | Form 4250 | 11/01/2024 |
| Supplement 24-07 | Hurricane Helene | 10/02/2024 |
| Notification 24-16 | Program Rules | 08/23/2024 |
| Notification 24-15 | Form 4165 | 08/23/2024 |
| Notification 24-14 | Form 4254.DEF | 08/19/2024 |
| Guide Update 24-07 | MBA Inspection Form Requirements | 08/01/2024 |
| Supplement 24-05R | Revised Fraud Prevention Underwriting Due Diligence | 07/01/2024 |
| Guide Update 24-06 | Small Mortgage Loan PCAs | 06/07/2024 |
| Supplement 24-04 | Compliance Timing for Certain Insurance Policies | 05/30/2024 |
| Guide Update 24-04 | Credit Facility Initial Advances | 04/05/2024 |
| Supplement 24-03 | Revised Interest Rate Cap Process | 03/29/2024 |
| Supplement 24-02 | Interest Rate Cap Escrows | 03/25/2024 |
| Guide Update 24-02 | Blocked Person and Undisclosed Principals | 03/11/2024 |
| Supplement 24-01 | Certain Brokered Transactions are Ineligible for Purchase | 03/04/2024 |
| Guide Update 24-01 | Brokered Transactions | 03/04/2024 |
| Guide Update 23-24 | Multifamily Selling and Servicing Guide - Part VI: Underperforming Mortgage Loans | 12/14/2023 |
| Guide Update 23-23 | Refinance Risk Analysis | 10/26/2023 |
| Supplement 23-04 | Property Condition Assessment (PCA) Underwriting Guidance | 10/18/2023 |
| Guide Update 23-22 | Sponsor-Dedicated Workforce Housing Properties | 10/10/2023 |
| Guide Update 23-20 | Shared Use Properties | 09/18/2023 |
| Guide Update 23-19 | Zoning | 09/18/2023 |
| Guide Update 23-12 | Withdrawn Commitment Fee | 07/07/2023 |
| Guide Update 23-11 | Adverse Action Letters | 07/13/2023 |
| Guide Update 23-10 | Manufactured Home Code Standards | 06/22/2023 |
| Guide Update 23-08 | Condominium Properties | 06/12/2023 |
| Guide Update 23-06 | Form 1055 | 04/20/2023 |
| Supplement 23-01 | Continued Enhanced Due Diligence for Certain New Mortgage Loans | 03/30/2023 |
| Guide Update 23-01 | Fair Lending | 01/19/2023 |
| Guide Update 22-10 | Cash Loan Drafting | 07/25/2022 |
| Guide Update 22-09 | Healthy Housing Rewards | 07/05/2022 |
| Guide Update 21-17 | Flood Insurance | 12/31/2021 |
| Guide Update 21-15 | Green Mortgage Loans | 11/12/2021 |
| Guide Update 21-11 | Prepayment Premium Waivers | 08/30/2021 |
| Supplement 21-08 | CARES Act Compliance with Law Notice | 08/16/2021 |
| Guide Update 21-08 | LIBOR Underwriting References and ARM 5/5 Loan Renewals | 07/01/2021 |
| PART | CONTENT |
|---|---|
|
Part I Mortgage Loan |
An overview of how to use the Guide and information relevant to all Mortgage Loans, Borrowers, Key Principals, and Principals.
|
|
Part II Property |
Criteria relevant to all Properties, including eligibility, valuation, income, legal compliance, inspections, reserves, insurance, and environmental information.
|
|
Part III Products and Features |
Underwriting information for specific property types and transaction structures, such as MAH, Small Mortgage Loans, Green, SARMs, and Supplementals.
|
|
Part IV Committing and Delivery |
Information related to pricing, fees, committing, delivery, purchase, and conversions for all Mortgage Loans.
|
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Part V Servicing and Asset Management |
Information related to servicing, asset management, and surveillance.
|
|
Appendix Glossary |
List of key terms and accompanying definitions and synonyms used throughout the Guide.
|
Requirements
Mandatory conditions that must be satisfied for all Lender-delegated Mortgage Loans and activities.
Guidance
Best practice guidance to inform and support a Lender’s delegated analysis and decision-making.
Operating Procedures
Required steps or processes that must be followed.
