Weekly guideline alert: September 28, 2026

• DU 12.1 live Sep 25. New occupancy flag (OCC-03) and appraisal flag (DCM-01). Appraiser on Fannie’s No Longer Accepted list or C6 condition = Ineligible. Salaried borrowers: 3 months at current job + 12 months total history can verify automatically. Rent from the subject 1-unit primary/second home makes the file Ineligible (ADU income still OK). Family-housing exception for parents/disabled adult child and kids/parents.
• Fannie rental income rules moved to Dec 1 (SEL-2026-08 reissued Sep 23). Lenders may use them now. Application date controls.
• UAD 3.6 required Nov 2 for new appraisals first submitted to UCDP on/after that date.
• Lender notes: 11 Mortgage exited wholesale; several lenders raised loan limits early; promos ending Sep 30.

Topics: DU, rental income, appraisals, loan limits

Full topic references: LO Library · Alert archive