quarterly agency updates q3 2019 - genworth financial€¦ · this presentation may not include all...
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Quarterly Agency Updates and
Communications
3rd Quarter 2019
©2019 Genworth Financial, Inc. All rights reserved.
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Agenda
Fannie Mae
– Notification Center
– Lender Announcements and Letters
– Program Updates
Freddie Mac
– Subscription Center
– Lender Bulletins and Letters
– Product Updates
This presentation may not include all Agency communications.
Agency Updates 3rd Quarter 2019 1
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URLA
2
https://sf.freddiemac.com/content/_assets/resources/pdf/press-release/urla_ulad_announcement.pdf
Agency Updates 3rd Quarter 2019
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The Use of Credit Scores
5
https://www.fanniemae.com/content/fact_sheet/credit-score-infographic.pdf
Agency Updates 3rd Quarter 2019
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Final Rule on Credit Score Models
6Agency Updates 3rd Quarter 2019
https://www.fhfa.gov/Media/PublicAffairs/PublicAffairsDocuments/Validation-and-Approval-of-Credit-
Score-Models-Final-Rule.pdf
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https://www.fanniemae.com/singlefamily
Fannie Mae Website- Single Family
Agency Updates 3rd Quarter 2019 7
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Fannie Mae CommunicationsAnnouncements, Lender Letters, Release Notes…
8Agency Updates 3rd Quarter 2019
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DU Release Notes
9Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/release_notes/du-do-release-notes-12072019.pdf
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Announcement 2019-08Selling Guide Update- Highlights▪ Updates to HBE requirements. Beginning Oct. 23,
Fannie will waive the fee for the Framework online
course. They will also require HBE on all purchase
transactions with LTV/CLTVs > 95%
▪ Clarifications to employment offers and contracts.
Removes eligibility policies for a borrower who has not
yet started employment but has an offer or contract to
start a job will now based on the documentation the
lender can provide instead of the timing of the
borrower's employment start date.
▪ Revises rental income policy. To help prevent reverse
occupancy fraud while still providing flexibility to
borrowers who choose to use rental income in the loan
qualification process, Fannie added requirements for
when rental income can be used as part of qualifying
for a new loan.
▪ Established requirements for reporting anti-money
laundering activity. Fannie now requires all
sellers/servicers, including those not subject to the
anti-money laundering provisions of the Bank Secrecy
Act, to report loan-level instances of suspicious activity
using the self-report function in Loan Quality Connect.
10Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/announcement/sel1908.pdf
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Eligibility Matrix- Updated
11Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/eligibility_information/eligibility-matrix.pdf
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Announcement 2019-07Selling Guide Update- Highlights▪ Introduces construction-to-permanent financing for
manufactured homes. Lenders may now use
construction-to-permanent single-closing or two-
closing financing options when originating a
manufactured home loan. They also now permit
limited cash-out refinance transactions to involve a
new or existing manufactured home and updated the
types of costs that can be included in the loan
amount. (Effective immediately)
▪ Clarifies appraisal waiver eligibility for refinance
transactions. Removed the requirement that the
borrower name on the loan casefile must match the
borrower name on the prior appraisal. (Was effective
for all loan casefiles submitted on or after June 22,
2019)
▪ Removes Refi Plus options references. Removed all
references to Refi Plus™ options, which are being
retired. All DU Refi Plus/Refi Plus loans must be
delivered by Sept. 30.
12Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/announcement/sel1907.pdf
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Announcement 2019-07Selling Guide Update- Highlights
▪ Updates lender quality control (QC) requirements.
Updated lender QC process requirements to provide
more clarity and flexibility to lenders. Specifically,
Fannie added requirements to the QC vendor
reporting timeframes and the statistical sampling
methodology. They also clarified processes related to
the independence of the QC function, QC staff, and
the reverification of income, employment, and assets.
(Must be implemented by 1/1/2020)
▪ Other Miscellaneous updates to DU data accuracy,
tolerances, errors in credit reports, DTI ratios in DU,
and HomeStyle Rennovation costs and escrow
accounts.
13Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/announcement/sel1907.pdf
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Announcement 2019-06Selling Guide Update
▪ HomeReady - updated the Selling Guide to
include the changes related to area median
income (AMI) limits for HomeReady mortgage
loans that were previously announced.
▪ Compliance with Office of Foreign Assets
Control Regulations – updated with additional
clarifications for compliance with OFAC
regulations regarding servicing.
▪ 4506-T – Removing requirement for a signed
4506-T for any borrower shoes income is not
being used to qualify for the loan
14Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/announcement/sel1906.pdf?utm_medium=email&utm_source=
sfMarkCloudNP&utm_campaign=SSNews&utm_term=_&utm_content=_NT
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Announcement 2019-06Selling Guide Update- continued
▪ Definition of Relocation Loans - Relocation
loan is now defined as an owner-occupied
purchase money loan, originated pursuant to
an established employee relocation program,
administered by the employer (or its agent),
where the employer relocates employees as
part of its normal course of business
▪ Disaster Policies Reminder
▪ Miscellaneous updates including DU
Validation Service, UAD references, General
Information on Project Standards, and
clarifications for HomeStyle Energy for
improvements on existing properties
15Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/announcement/sel1906.pdf?utm_medium=email&utm_source=
sfMarkCloudNP&utm_campaign=SSNews&utm_term=_&utm_content=_NT
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In Case You Missed It- August 2019
16Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/content/news/policy-communications-summary-2019.pdf
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Surveys
17Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/portal/research-insights/surveys/mortgage-lender-sentiment-survey.html
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Surveys
18Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/portal/research-insights/surveys/national-housing-survey.html
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Economic & Housing Outlook
19Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/portal/research-insights/forecast/monthly-archive.html
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Publications
20Agency Updates 3rd Quarter 2019
https://www.fanniemae.com/portal/research-insights/publications.html
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Freddie Mac Updates
Freddie Mac’s Website
– Link to www.freddiemac.com
– Subscription Center
– Learning Center
– http://www.freddiemac.com/loanadvisorsuite/
– Single Family News
– Pending Loan Product Advisor® Enhancements
Agency Updates 3rd Quarter 2019 21
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www.freddiemac.com
22Agency Updates 3rd Quarter 2019 22
https://sf.freddiemac.com/about/single-family/subscription-center
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Freddie Mac CommunicationsBulletins
23Agency Updates 3rd Quarter 2019
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Freddie Mac CommunicationsTools
24Agency Updates 3rd Quarter 2019
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Loan Product Advisor Documentation Matrix
25Agency Updates 3rd Quarter 2019
http://www.freddiemac.com/learn/pdfs/uw/docmatrix.pdf
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Loan Product Advisor Documentation Matrix
26Agency Updates 3rd Quarter 2019
Tool to help document files
https://sf.freddiemac.com/content/_assets/resources/pdf/update/docmatrix.pdf
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GreenChoice Mortgages
27Agency Updates 3rd Quarter 2019
https://sf.freddiemac.com/content/_assets/resources/pdf/other/greenchoice_mortgages.pdf
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An Enhanced Single-Family Guide and
Website
28Agency Updates 3rd Quarter 2019
https://www.youtube.com/watch?v=tKp1W7PWbzA
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Updated Feedback Messages- October
29Agency Updates 3rd Quarter 2019
https://sf.freddiemac.com/content/_assets/resources/pdf/other/sept_loan_product_advisor_feedback_mes
sages.pdf
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Bulletin 2019-20
30
Selling Updates
▪ Revisions to requirements for employed income analysis
and calculation – Required by April 2, 2020
▪ Revisions to Employer Assisted Homeownership (EAH)
Benefits that are unsecured loans or secured loans
▪ New Guide Chapter 4305 with requirements specific to
purchase transaction Mortgages
▪ The new chapter specifies acceptable uses of the proceeds
from a purchase transaction Mortgage as well as the
circumstances under which the Borrower may receive cash
back
▪ Updates to requirements for excluding monthly payments on
certain student loans from the monthly debt payment-to-
income (DTI) ratio – Effective January 2, 2020
▪ Revisions to requirements for calculating the monthly
housing expense-to-income and DTI ratios – Effective
January 2, 2020
▪ Updates to requirements for Condominium Projects –
Multiple effective dates
▪ Revisions to certain post-funding quality control review
requirements
▪ Updates to Seller in-house quality control program
requirements
Agency Updates 3rd Quarter 2019
https://guide.freddiemac.com/ci/okcsFattach/get/1003437_7
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Servicing Bulletins 2019-18 and 19
31Agency Updates 3rd Quarter 2019
https://guide.freddiemac.com/app/guide/bulletins
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Bulletin 2019-17
32
▪ Escrow accounts - Requirements related to
Escrow accounts – (Effective 11/7)
▪ Employee relocation programs -
Requirements and flexibilities for
Mortgages made pursuant to employee
relocation programs (Effective immediately)
▪ Property eligibility for Manufactured Homes
- Guidance on the use of alternative
documentation, when the HUD data plate is
not present or legible, to evidence
Manufactured Home property eligibility
(Effective immediately)
▪ Properties located in Eligible Disaster
Areas - Clarification to age of
documentation requirements for property
valuation – (Effective 10/27)
Agency Updates 3rd Quarter 2019
https://guide.freddiemac.com/app/guide/bulletin/2019-17
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Bulletin 2019-16
33
Home Possible Mortgages
▪ Changes to income limits including revised
borrower income limit, 2019 AMI limits, LPA
impacts
▪ Updates to requirements for rental income
▪ Extension of effective date for previously
revised requirements limiting financed
properties owned
Income
▪ Updates to LPA asset and income modeler
(AIM) – self employed borrowers
▪ Revised requirements for obtaining
borrower signature on the 4506-T
Agency Updates 3rd Quarter 2019
https://guide.freddiemac.com/app/guide/content/a_id/1003267
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Lender News
34Agency Updates 3rd Quarter 2019
http://app.infofreddiemac.com/e/es?s=325135053&e=91397&elqTrackId=19241722ba264d67b7fd712576fff
4eb&elq=d5f5da50e85646ba999f47951ddd259d&elqaid=7163&elqat=1
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Economic & Housing Research
35Agency Updates 3rd Quarter 2019
http://www.freddiemac.com/fmac-resources/research/pdf/201908-Forecast.pdf
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Choice Products
36Agency Updates 3rd Quarter 2019
CHOICEHome GreenCHOICE
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Genworth Rate Express®
Agency Updates 3rd Quarter 2019 37
mi.genworth.com
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Genworth Underwriting Guidelines
Agency Updates 3rd Quarter 2019 38
mi.genworth.com
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LOS Connections
Agency Updates 3rd Quarter 2019 39
mi.genworth.com
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Training Tools and Information
Agency Updates 3rd Quarter 2019 40
mi.genworth.com
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Training Tools and Information
Agency Updates 3rd Quarter 2019 41
mi.genworth.com
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Additional MI Site Information
Agency Updates 3rd Quarter 2019 42
mi.genworth.com
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Representative
Your Genworth Resources
Agency Updates 3rd Quarter 2019 43
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Agency Updates 3rd Quarter 2019 44