GTG FINANCIAL · LO RESOURCES

LO Library

Every guideline that affects your files, in plain English. Pick a topic.
 

Rental income / departing residence

Fannie’s Dec 1 rules: no lease for qualifying rent, market-rent math, reserve rules.

Appraisals: UAD 3.6

New format mandatory Nov 2. Exception process, lender readiness, FHA/VA status.

Credit scores

VantageScore 4.0 open on conventional, LLPA parity, FHA Jan 1 2027, bi-merge watch.

DU / AUS

DU 12.1: occupancy and appraisal flags, job verification, ineligible triggers.

Asset income

Freddie’s friendlier math: eligible assets divided by 180, $30k minimum.

Manufactured housing

Eligibility notes, including relocated homes. Always confirm the lender.

Condos

Non-warrantable DTI relief, reserve test coming Jan 2027.

Loan limits

2026 limits and early 2027 numbers lenders are honoring now.

Disaster policy

FEMA declarations, re-inspection rules, and California’s new forbearance laws.

Looking for a past email instead? Browse the alert archive →

GTG Financial internal resource. Updated weekly. Not indexed by search engines.