The following is a list of recently published announcements/newsletters related to our mortgage industry that we thought may be of interest to you. To access the announcement or newsletter, please click on the link provided below.

January 2012
	2012 Income Limits Published
	Guarantee Up-Front and Annual Fee Calculator
	VA Extends Circular 26-08-5
	VA Extends Circular 26-09-4
	VA Extends Circular 26-09-3
	Freddie Mac Guide Bulletin 2011-26: Guarantee Fees Increase
	VA Circular 26-11-22: VA Announces Final Loan Modification Regulation Revision
	VA Extends Circular 26-09-8
	VA Circular 26-11-21: VA Announces Appraisal Policy Changes
December 2011
	SEL 11-25: Single-Family Seller/Servicer Guide Bulletin Updating Selling Requirements
	Know Before You Owe: CFPB Solicits Feedback
	Single Family Housing Guaranteed Loan Program
	New York Issues Emergency Rule Adoption Regarding Mortgage Loan Servicers
	ML 11-39: FHFA Releases 2012 Maximum Conforming Loan Limits
November 2011
	VA Circular 26-11-19: Funding Fee Update
	Consolidated and Further Continuing Appropriations Act 2012
	Commitment Authority for Refinance Transactions
	CFPB Releases Know Before You Owe Feedback Tool
	ML 11-37: Extension of Implementation and Reporting Dates Regarding Trial Payment Plan for Loan Modifications and Partial Claims under FHA’s Loss Mitigation Program
October 2011
	CFPB Publishes Supervision and Examination Manual Including Mortgage Servicing Examination Procedures
	Rulemaking on Loan Originator Renewal Requirements
	ML 11-34: Revised Lender Approval Requirements
	ML 11-35: FHA Provides Clarification on Annual Mortgage Insurance Premiums
September 2011
	Colorado’s Division of Real Estate Publishes Their Summer/Fall Division of Real Estate Newsletter
	CFPB Releases Next Round of Consumer Disclosures with Testing Examples
	ML 11-33: Mortgage Record Changes and Data Reconciliation
	SEL 11-08: Suspension of PMI Mortgage Insurance Co., PMI Insurance Co., and PMI Mortgage Assurance Co. as Approved Mortgage Insurers
	DU Version 8.3 August 2011 Release Implemented
	ML 11-29: Federal Housing Administration’s (FHA) Maximum Loan Limits Effective October 1, 2011 through December 31, 2011
August 2011
	SEL 11-07: Suspension of Republic Mortgage Insurance Company and Republic Mortgage Insurance Company of North Carolina as Approved Mortgage Insurers
	Washington’s Department of Financial Institutions releases Summer Edition of their E. Newsletter
	CFPB Issues Interim Final Rule on Alternative Mortgage Transaction Parity Act
	ML 11-24: Annual Base City High Cost Percentage and High Cost Area Revisions for 2011
	SVC 11-12: Mortgage Insurance Coverage and Confirmation of Repurchase Policies and Remedies for Warranty Violations
July 2011
	Fannie Mae DU Updates Area Median Income Unit
	RD AN No. 4585: RHS Clarifies SFHGLP Lender Charges and Fees
	HUD Issues Final Rule Regarding Technical and Clarifying Amendments Under RESPA
	LL 11-05: Participation in HUD's Emergency Homeowners' Loan Program
	CFPB Releases Next Round of Consumer Disclosures
	DRE Releases Its Summer 2011 Real Estate Bulletin
June 2011
	Annual Adjustment of Fee-Based Trigger for Additional Mortgage Loan Disclosures
	SVC 11-10: June 2011 Servicing Guide Update
	ML 11-20: FHA Single Family Provides Information on the Termination of H4H Program
	Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
	CFPB Seeks Comments on Transferred Rules
	OCC Proposes Rule to Implement Provisions of Dood Frank Act
	SEL 11-04: Selling Guide Updates
May 2011
	Reminder for FHA Lenders on Claim Remittances
	Supplemental Directive 11-04: Single Point of Contact for Borrowers Required Under Making Home Affordable
	ML 11-18: Elimination of FHA’s Origination Fee Cap for 203(k) Loans
	Freddie Mac Bulletin No. 2011-08
	SVC 11-05: Miscellaneous Servicing Policy Changes
	LL 11-03: New Fannie Mae-Approved Mortgage Insurer
	SVC 11-09: Announces Updates to Servicing Requirements
	CFPB Releases Dodd-Frank Prototype Mortgage Disclosures on Website
April 2011
	Volume 5 of RESPA Roundup released
	Federal Reserve proposes rule under Regulation Z pertaining to a consumer's ability to repay a mortgage and minimum mortgage underwriting standards
	Compliance Guidance for RESPA as it Applies to the Federal Reserve Board’s MLO Compensation Rules
	SEL 11-03: Selling Guide Updates
	Freddie Mac Bulletin No. 2011-06
	FHA Single Family Updates 4155.1
	FHA Single Family Updates 4155.2
	DRE Releases the Spring 2011 Real Estate Bulletin
	FAQs for Lenders on FHA Mortgagee Letter ML 2011-11
March 2011
	HUD Launches New Blog
	ML 11-11: FHA Refinance Transactions
	New, Updated Resources Available to Help with UAD Transition
	Federal Reserve issues final rule and seeks comment on proposed revisions to escrow account requirements for home mortgage loans
	Federal Reserve seeks comment on proposed rules on risk-based pricing notices and adverse action notices
	SEL 11-4: Bulletin 2011-4 (Selling and Servicing)
	Federal Reserve Issues Notice of Proposed Rulemaking Regarding Adverse Action Notices under Regulation B
	Federal Reserve Issues Proposed Rule and Request for Comments Regarding Lengthening the Time for Maintaining Escrow Accounts on HPMLs
	SEL 11-02: Extension of the Home Affordable Refinance Program
	South Carolina Mortgage Log System (SCMLS) website launched
February 2011
	North Carolina Promulgates Rules Regarding Seller-Affiliate Providing Discounts or Other Thing of Value
	Federal Reserve Board announces delay in finalizing of three Reg Z proposals
	CFPB Launches Website
	ML 11-10: FHA Single Family Introduces Annual Mortgage Insurance Premium Changes and Guidance on Case Numbers
	ML 11-11: FHA Single Family Clarifies Refinance Transactions
January 2011
	ML 11-04: FHA Capture of Nationwide Mortgage Licensing System and Registry (NMLS) Information
	ML 11-03: Extension of Temporary Guidance for Condominium Policy
	Maine Issues Compliance Guidance Regarding the Federal Reserve's Interim TIL Rule
	LL 11-01R: Making Home Affordable: Further Guidance on Interactions with Hardest-Hit Fund Unemployment and Reinstatement Programs
	SVC 11-01: Increase in Foreclosure Attorney Fees for the State of Maryland
November/December 2010
	Federal Reserve Requests Comments on Amendments to Regulation Z
	LL 10-13: 2011 General and High-Cost Area Loan Limits
	Colorado's Division of Real Estate publishes their Fall 2010 Colorado Real Estate Newsletter
	Georgia Department of Banking and Finance Adopts Final Rules
	Selling Guide Update: SEL-2010-16
	New Jersey Permits Compensation for Mortgage Solicitor or Origination Activity if Licensee Was Authorized at Time of Activity
	ML 10-36: FHA Single Family Provides Combined Loan Amount Requirements
	Arkansas Increases Usury Limit
	RESPA Roundup - Volume 3
	LL 10-15: Uniform Appraisal Dataset and Uniform Collateral Data Portal
	SEL 10-10: Co-op Share Loan Documentation and Requirements for Document Custodians Update
October 2010
	SEL 10-14: Appraiser Independence Requirements Announced
	ML 10-35: Borrower Certification for FHA Refinance of Borrowers in Negative Equity Positions
	LL 10-10: Extension to Fannie Mae's Alternative Modification™ to the Home Affordable Modification Program
	CIRC. 26-10-12: Domain Name Change for the VA Home Loan Program Internet Website
	Treasury and CFPB Convene Forum on Revised Mortgage Disclosure Forms
	ML 10-33: FHA Connection Enhancements to Support Sponsored Third Party Originations (Sponsored Originations)
	SVC 10-15: Updates to Fannie Mae's Forbearance, Income Eligibility, and Home Affordable Modification Program Requirements
	SVC 10-14: Home Affordable Modification Program: Introduction of Second Lien Modification Program Introduction
	ML 10-32: Revision to Policy for Partial Payment of Claims and Mortgage Modifications
September 2010
	RESPA Roundup - September 2010
	Dodd-Frank Designated Transfer Date Announced
	SEL 10-13: Selling Guide Updates
	New Appraiser Independence Requirements Being Developed
	New National Housing Survey Results Released
	LL 10-09: Suspension of California Housing Loan Insurance Fund
	ML 10-31: Annual Base City High Cost Percentage and High Cost Area Revisions for 2010
	ML 10-29: Minimum Credit Scores and Loan-to-Value Ratios
	ML 10-28: Changes to FHA Mortgage Insurance Premiums
	SVC 10-12: Foreclosure Time Frames and Compensatory Fees for Breach of Servicing Obligations
August 2010
	Selling Notice: 2010 Area Median Incomes
	Enhanced Consumer Protections and Disclosures for Home Mortgage Transactions Proposed
	Final Rules Regarding Consumer Notification of Mortgage Loan Sales/Transfers Announced
	Rules to Revise Escrow Account Requirements for Jumbo Mortgage Proposed
	Issues Interim Rule Revising Disclosure Requirements for Closed-End Mortgages
	Final Rules to Protect Borrowers from Unfair/Abusive/Deceptive Practices Arising from Loan Originator Compensation Practices
	Statement by Deputy Assistant Secretary, Vicki Bott
	Congress Passes H.R. 5981
	Oregon Consumers: New tool to check out mortgage lenders
	Fannie Mae Launches Know Your OptionsTM Online Resource to Educate Struggling Homeowners
	Fee Adjusts Fee-Based Trigger for HOEPA Mortgage Loan Disclosures
	Federal Agencies Issue Final Rules to Implement SAFE Act Requirements for Registration of Mortgage Loan Originators
July 2010
	RESPA Roundup July 2010
	July Message from the FHA Commissioner
	House Passes Flood Insurance Extension
	New RESPA Interpretive Rule
	June Message from the FHA Commissioner
June 2010
	LL 10-08: Selling Loans during Lapse of National Flood Insurance Program Authority
	HUD Issues ANPR on RESPA's "Required Use"
	House Passes Legislation to Help Homeowners, Reform FHA
	FTC Extends Enforcement Deadline for Identity Theft Red Flags Rule
	FHA Plans to Halve Seller Concessions this Summer
	FHA to Expand Acceptance of Electronic Signatures
	Fannie Mae Changes Criteria for Purchasing and Securitizing Adjustable-Rate Mortgages
May 2010
	FNMA Publishes In The Loop Newsletter for Spring 2010
	Supplemental Directive 10-04: Home Affordable Unemployment Program
	Clarification Regarding Increase in GRMA $6.50 Per Loan Fees
	Virginia Uniform Power of Attorney Act Enacted
April 2010
	ML 10-14: Electronic Signatures On Third Party Documents
	April Message from the FHA Commissioner
	HUD No. 10-058: Housing Program Enhancements Offer Additional Options for Struggling Homeowners
March 2010
	March Message from the FHA Commissioner
	FNMA Selling Notice: Extension of the Home Affordable Refinance Program
	Freddie Mac Bulletin 2010-6: Refinance Mortgage Offering Extended
	SEL 10-02: FNMA Selling Guide Updates
	SEL 10-01: Selling Guide Updates for the Loan Quality Initiative
	ML 10-07: Revisions to Model HECM Loan Agreement and Fannie Mae Form 1009
	ML 10-02: Increase in Upfront Premiums for FHA Mortgage Insurance
February 2010
	FNMA Publishes In The Loop Newsletter for Jan/Feb 2010
	HUD Extends Public Comment Period on Safe Act Proposed Rule to March 5, 2010
	Freddie Mac Bulletin No. 2010-3: Home Affordable Modification Program
	FNMA Ann. 2010-03: Home Affordable Modification Program - Program Update and Resolution of Active Trial Modifications
	FNMA Ann. 2010-02: Update to Imminent Default Guidance for Mortgage Loans Evaluated
	FTC Proposes Rule That Would Bar Mortgage Relief Companies From Charging Up-Front Fee
January 2010
	ML 10-03: Mortgagee Approval for Single Family Programs - Extended Procedures for Terminating Underwriting Authority
	ML 10-02: Increase in Upfront Premiums for FHA Mortgage Insurance
	Texas DSML - Use of Unique Identifier Numbers Issued Through Enrolling in the NMLS
	VA Circular 26-10-01: Impact of New RESPA Rule on Fees and Charges for VA Loans
	ML 09-53: Real Estate Settlement Procedures Act (RESPA) and FHA Related Policies
	California DRE New Good Faith Estimate Form
December 2009
	ML 09-51: Adoption of the Appraisal Update and/or Completion Report
	Freddie Mac Bulletin 2009-27
November 2009
	HUD Proposes to Increase the Mortgagee Net Worth Requirement and Eliminate the Loan Correspondent Approval Requirement
	ML 09-50: 2010 FHA Maximum Loan Limits
	HUD Announces Four Month Restraint on RESPA Enforcement
	ML 09-45: Introduction of HUD's Web-Based Training Application
October 2009
	FNMA Publishes In The Loop Newsletter for October 2009
	ML 09-43: HOPE for Homeowners Program - Comprehensive Guidance
	FNMA Ann. 09-30: Retirement of the HomeSaver Forbearance™ and Conversion to the Payment Reduction Plan™
	HUD Updates FAQs on New RESPA Rule
	FNMA Selling Notice: Mortgage Loan Data Requirements - Update
	ML 09-35: Loan Modifications - FHA Loss Mitigation Incentives
	ML 09-34: Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
	Colorado DORA Publishes Real Estate Newsletter for Fall 2009
	Fannie Mae Authorizes Change for Nevada Security Instrument and Multistate Notes
September 2009
	Freddie Mac Bulletin No. 2009-23
	ML 09-33: Annual Base City High Cost Percentage Revisions effective January 1, 2009
	ML 09-32: Revised Streamline Refinance Transactions
	HUD Updates FAQs on New RESPA Rule
	Utah Publishes Real Estate Newsletter for September 2009
	FNMA Form: Mississippi Ground Lease Renewals
	FNMA Form: Louisiana Mortgage
	ML 09-26: Eligibility of Projects for Mortgage Insurance where Construction has Started
	ML 09-24: Housing Tax Credit Coordination Act of 2008
August 2009
	FNMA Revised Home Affordable Modification Trial Period Plan, Modification Agreement, and HAMP Hardship Affidavit
	HUD Announces Posting of FAQs on New RESPA Rule
	FNMA Ann. 09-05R: Frequently Asked Questions - Home Affordable Modification
	FNMA Ann. 09-27: Miscellaneous Servicing Policy Changes
	FHA is Hosting a Free Industry Conference Call on HAMP
	Notice for Housing Counseling Agencies on HAMP
	ML 09-23: Making Home Affordable Program - FHA's Home Affordable Modification Loss Mitigation Option
	FNMA Selling Notice: 2009 Area Median Incomes
July 2009
	ML 09-21: Home Equity Conversion Mortgage Refinancing of Existing Loans
	FNMA Ann. 09-25: Trial Period Guidance for the Home Affordable Modification Program
	FNMA Ann. 09-24: Delivery of Higher-Priced Mortgage Loans, Revised Qualifying Rate Requirements...
	FNMA Ann. 09-23: Updates to Home Affordable Refinance - 125 Percent LTV Limit for Refi Plus Loans
	FNMA Ann. 09-21: Form Updates - Revisions to Forms 1003 and 1008, and New Forms 3747 and 3748
	FNMA Ann. 09-20: Updates to Home Affordable Refinance Policies
June 2009
	LL 05-09: New Notice of Transfer of Mortgage Loan Ownership
	FNMA Ann. 09-16: Changes to Home Equity Conversion Mortgage Index Options
	ML 09-19: Condominium Approval Process - Single Family Housing
	ML 09-18: Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient
	ML 09-17: Accuracy of Lender Data for FHA-approved Mortgagees
	ML 09-16: Manufactured Housing Policy Guidance - Property and Underwriting Eligibility
	ML 09-15: Using First-Time Homebuyer Tax Credits for the Downpayment
	Colorado DORA Publishes Real Estate Newsletter for Spring 2009
May 2009
	FNMA Ann. 09-13: Updates and Clarifications to Announcement 09-04
	Home Valuation Code of Conduct Resources
	HUD Withdraws RESPA's "Required Use" Definition
	ML 09-14: Online Versions of Handbooks 4155.1 and 4155.2
	Oregon DFCS Issues Proposed Administrative Rules
April 2009
	California DRE Publishes Real Estate Bulletin for Spring 2009
	ML 09-13: Guidance on FHA Model Mortgage Form for New Mexico
	FNMA Ann. 09-05R: Home Affordable Modification Program
	FNMA Ann. 09-04: Home Affordable Refinance
March 2009
	HUD Delays RESPA's "Required Use" Definition and Seeks Comments
	ML 09-07: Loan Limit Increases for FHA
	New Hampshire Publishes Banking Department Newsletter
February 2009
	Freddie Mac Issues Industry Letter: Anti-Predatory Lending Requirements
	Maryland Begins Enforcement on "Higher-Priced" Mortgages
January 2009
	Ohio Adopts Format Requirements for Recorded Documents
	Pennsylvania Adopts Regulation on Proper Conduct of Lending and Brokering
	ML 09-03: HOPE for Homeowners Origination and Servicing Guidance Supplement
	ML 08-40: Refinance Transactions - New Maximum Mortgage Calculation
Nov/Dec 2008
	New Jersey Increases High Cost Loan Amount
	Maryland Delays Enforcement of "Higher-Priced Mortgage Loans" Regulations
	ML 08-36: 2009 FHA Maximum Mortgage Limits
	North Carolina Declaratory Ruling 2008-01 Concerning HB 2188 and Seller-Paid Points
October 2008
	ML 08-29: HOPE for Homeowners Origination Guidance
	ML 08-26: New York Consolidation, Extension, and Modification Agreement (CEMA)
	Maryland Issues Proposed Regulations on Recorded Security Instruments
September 2008
	ML 08-25: Converting Existing Homes to Rentals - Underwriting Instructions
	ML 08-23: Revised Downpayment and Maximum Mortgage Requirements
	ML 08-22: HUD Announces Moratorium on FHA Risk-Based Premiums
August 2008
	New Washington DFI Mortgage Broker Examinations Information Webpage
July 2008
	Board of Governors Issue Final Rule Amending Reg Z
	Oregon DFCS Updates Its List of Proposed and Temporary Administrative Rules
	Colorado DORA Publishes Real Estate Newsletter for Summer 2008
	List of States Now Accepting NMLS Applications
	Washington DFI Publishes Mortgage Broker Newsletter for Spring 2008