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BULLETINS
2019

April

04/16/19

Iowa Severe Storms and Flooding (DR-4421)


04/11/19

Nebraska Severe Winter Storm, Straight-line Winds, and Flooding (DR-4420)



March

03/25/19

Iowa Severe Storms and Flooding (DR-4421)


03/22/19

Nebraska Severe Winter Storm Straight-line Winds and Flooding (DR-4420)



03/22/19

GNMA Pooling Restrictions for VA Refinance Transactions



03/22/19

VA Cash-Out Refinance Requirements


03/07/19

FEMA Disaster Declaration Al (DR-4419)


February

02/20/19

VA Cash-Out Refinance Requirements


02/19/19

VA Circular 26-18-30 and Change 1 Rev1


02/15/19

VA Circular 26-18-30 and Change 1


January

01/21/19

Government Shutdown - Impacted Employees


2018

December

12/17/18

Loan Limit Increases


12/17/18

FHFA Termination of HARP Programs


12/05/18

Loan Limit Increases


12/03/18

FEMA Disaster Declaration CA (DR-4407)


November

11/30/18

FHFA Termination of HARP Programs_v2


11/30/18

FHFA Termination of HARP Programs


11/29/18

VA Circular 26-18-13 and Exhibit A


11/27/18

FEMA Disaster Declaration CA (DR-4407)


11/14/18

FEMA Disaster Declaration CA (DR-4407)


11/13/18

GNMA Pooling Restrictions for VA Refinance Transactions Rev 3



11/12/18

Hill Fire, Los Angeles County And Woolsey Fire, Ventura County California Activity Suspension



11/12/18

Camp Fire, Butte County California Activity Suspension



11/05/18

FEMA Disaster Declaration GA (DR-4400)


11/2/18

FEMA Disaster Declaration WI (DR-4402)


October

10/26/18

FEMA Disaster Declaration GA (DR-4400)


10/26/18

FEMA Disaster Declaration NC (DR-4393)


10/24/18

USDA Revision to HB-1-3555 Chapter 9


10/23/18

FEMA Disaster Declaration FL (DR-4399)


10/19/18

FEMA Disaster Declaration WI (DR-4402)


10/18/18

VA Circular 26-18-13 and Exhibit A


10/17/18

Texas Severe Weather and Flooding Potential Disaster


10/17/18

FEMA Disaster Declaration GA (DR-4400)


10/17/18

FEMA Disaster Declaration FL (DR-4399)


10/15/18

FEMA Disaster Declaration GA (DR-4400)


10/15/18

FEMA Disaster Declaration FL (DR-4399)


10/15/18

FEMA Disaster Declaration NC (DR-4393)


10/12/18

FEMA Disaster Declaration NC (DR-4393)


10/12/18

FEMA Disaster Declaration SC (DR-4399)


10/12/18

Hurricane Michael Activity Resumption


10/11/18

FEMA Disaster Declaration SC (DR-4394)


10/10/18

Hurricane Michael Activity Suspension


10/03/18

FEMA Disaster Declaration SC (DR-4394)


10/02/18

FEMA Disaster Declaration CA (DR-4382)


September

09/28/18

FEMA Disaster Declaration NC (DR-4393)


09/27/18

FEMA Disaster Declaration SC (DR-4394)


09/27/18

FEMA Disaster Declaration NC (DR-4393)


09/27/18

FEMA Disaster Declaration SC (DR-4394)


09/24/18

FEMA Disaster Declaration SC (DR-4394)


09/19/18

USDA Fiscal Year 2019 Conditional Commitment Notice



09/19/18

FEMA Disaster Declaration NC (DR-4393)


09/19/18

Hurricane Florence Activity Resumption


09/17/18

FEMA Disaster Declaration NC (DR-4393)


09/17/18

Hurricane Florence Activity Suspension Rev 3


09/14/18

Hurricane Florence Activity Suspension Rev 2


09/13/18

Hurricane Florence Activity Suspension


09/12/18

Hurricane Florence and Potential Disaster


August

08/23/18

Update to USDA Existing Manufactured Home Pilot


08/21/18

FEMA Disaster Declaration CA (DR-4382)


08/21/18

FEMA Disaster Declaration HI (DR-4366)


08/07/18

FEMA Disaster Declaration CA (DR-4382)


08/02/18

FEMA Disaster Declaration TX (DR-4377)


July

07/25/18

FEMA Disaster Declaration TX (DR-4377)


07/20/18

VA Construction/Permanent Home Loans


07/18/18

GNMA Pooling Restrictions for VA Refinance Transactions Rev 2



07/10/18

FEMA Disaster Declaration TX (DR-4377)


07/05/18

GNMA Pooling Restrictions for VA Refinance Transactions Rev 1



07/02/18

Update to USDA Existing Manufactured Home Pilot


June

06/28/18

FEMA Disaster Declaration HI (DR-4365)


06/18/18

FEMA Disaster Declaration NC (DR-4364)


06/18/18

USDA Rural Development Property Eligibility


06/18/18

FEMA Disaster Declaration HI (DR-4366)


06/15/18

USDA Rural Development Income Limits


06/11/18

FEMA Disaster Declaration IN (DR-4363)


06/08/18

GNMA Pooling Restrictions for VA Refinance Transactions



06/08/18

GNMA Pooling Restrictions for FHA and USDA Refinance Transactions



06/04/18

VA Circular 26-18-13 and Exhibit A


06/01/18

VA Circular 26-18-14


May

05/10/18

FEMA Disaster Declaration NC


05/09/18

FEMA Disaster Declaration NC


05/09/18

FEMA Disaster Declaration IN


05/01/18

FEMA Disaster Declaration AL



March

03/30/18

USDA Rural Development Eligibility Update



February

02/27/18

Updated Mortgage Insurance Requirements



January

01/19/18

Disaster Policy Update for Properties Impacted by CA Wildfires, Flooding and Mudslides



01/18/18

Disaster Policy Update for Properties Impacted by CA Wildfires, Flooding and Mudslides



01/05/18

Disaster Policy Update for Properties Impacted by California Wildfires



2017

December

12/27/17

FGMC Correspondent IRS Transcript Requirements



12/19/17

Disaster Policy Update for California Thomas Fire



12/11/17

Disaster Policy Update for California Thomas Fire



12/5/17

Disaster Policy Update for California Thomas Fire



November

11/2/17

Disaster Policy Update for Properties Impacted by California Wildfires



11/1/17

Disaster Policy Update for Properties Impacted by California Wildfires



October

10/27/17

Disaster Policy Update for Properties Impacted by California Wildfires



10/25/17

Disaster Policy Update for Properties Impacted by California Wildfires



10/13/17

Disaster Policy Update for Properties Impacted by California Wildfires



10/5/17

Update to USDA Existing Manufactured Home Pilot


September

9/28/17

Disaster Policy Update for Properties Impacted by Hurricane Irma & Hurricane Harvey – Update



9/26/17

USDA Fiscal Year 2018 Conditional Commitment Notice



9/20/17

Disaster Policy Update for Properties Impacted by Hurricane Irma & Hurricane Harvey – Update



9/18/17

Disaster Policy Update for Properties Impacted by Hurricane Irma & Hurricane Harvey – Update



9/15/17

Disaster Policy Update for Properties Impacted by Hurricane Irma & Hurricane Harvey



9/7/17

Hurricane Irma and Potential Disaster


9/6/17

Properties Impacted by Hurricane Irma


9/1/17

Update to USDA Existing Manufactured Home Pilot


August

8/29/17

Properties Impacted by Hurricane Harvey


8/28/17

Disaster Policy Effective for Properties Impacted by Texas Hurricane Harvey (DR-4332)



8/21/17

Disaster Policy Effective for Properties Impacted by West Virginia Severe Storms, Flooding, Landslides, and Mudslides (DR-4331)




8/3/17

Disaster Policy Effective for Properties Impacted by Michigan Severe Storms and Flooding (DR-4326)



July

7/27/17

Roll Fee Policy Changes


June

6/16/17

Disaster Policy Effective for Properties Impacted by Arkansas Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4318)




6/16/17

Update to USDA Existing Manufactured Home Pilot


6/5/17

Disaster Policy Effective for Properties Impacted by Missouri Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4317)




April

4/13/17

VA Circular 26-17-11 Itemization of Allowable Fees



February

2/24/17

Recent VA Circulars – SAR Cursory Review & NMPA Requirements



2/14/17

Recent VA Circulars – Updated Appraisal Requirements



2/13/17

Disaster Policy Effective for Properties Impacted by Louisiana Severe Storms, Tornadoes, and Straight-line Winds




January

1/20/17

FHA Reduces Annual Mortgage Insurance Premiums – SUSPENDED



1/11/17

FHA Reduces Annual Mortgage Insurance Premiums



2016

December

12/19/16

Disaster Policy Effective for Properties Impacted by Tennessee Wildfires (DR-4293)



November

11/9/16

Disaster Policy Effective for Properties Impacted by Virginia Hurricane Matthew (DR-4291)



11/9/16

Disaster Policy Effective for Properties Impacted by South Carolina Hurricane Matthew (DR-4286)



11/9/16

Disaster Policy Effective for Properties Impacted by North Carolina Hurricane Matthew (DR-4285) - Revised




11/9/16

Disaster Policy Effective for Properties Impacted by Florida Hurricane Matthew (DR-4283) - Revised



11/8/16

VA Circular 26-16-35



October

10/28/16

FHA Mortgagee Letter 2016-15


10/17/16

4506-T Tax Transcript Service – IRS Update


10/11/16

Disaster Policy Effective for Properties Impacted by Florida Hurricane Matthew (DR-4283)



10/11/16

Disaster Policy Effective for Properties Impacted by North Carolina Hurricane Matthew (DR-4285)



10/3/16

Disaster Policy Effective for Properties Impacted by Iowa Severe Storms, Straight-line Winds, and Flooding (DR-4281)





September

9/30/16

Updated – FHA 4000.1 Single Family Housing Policy Handbook



9/29/16

Disaster Policy Effective for Properties Impacted by Florida Hurricane Hermine (DR-4280)



9/21/16

USDA Fiscal Year 2017 Conditional Commitment Notice



9/19/16

Disaster Policy Effective for Properties Impacted by Maryland Severe Storm and Flooding (DR-4279)



9/15/16

Desktop Underwriter (DU) Version 10.0 Release


9/6/16

Reminder—New HUD-92900-A



August

8/17/16

Disaster Policy Effective for Properties Impacted by Louisiana Severe Storms and Flooding (DR-4277)




July

7/19/16

Disaster Policy Effective for Properties Impacted by Oklahoma Severe Storms and Flooding (DR-4274)




June

6/27/16

Disaster Policy Effective for Properties Impacted by West Virginia Severe Storms, Flooding, Landslides, and Mudslides (DR-4273)




6/13/16

Disaster Policy Effective for Properties Impacted by Texas Severe Storms and Flooding (DR-4272)




May

5/25/16

Disaster Policy Effective for Properties Impacted by Montana Severe Winter Storm and Straight-line Winds (DR-4271)




5/24/16

FHA Updates - Student Loan Payments & 203(k) Calculator



5/11/16

Disaster Policy Effective for Properties Impacted by Arkansas Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4270)




April

4/26/16

Disaster Policy Effective for Properties Impacted by Texas Severe Storms and Flooding (DR-4269)




March

3/30/16

First Guaranty Mortgage Corporation Fannie Mae Selling Guide Announcement SEL-2016-03



3/28/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Mississippi Severe Storms and Flooding (DR-4268)




3/21/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Texas Severe Storms, Tornadoes, and Flooding (DR-4266)




3/14/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Louisiana Severe Storms and Flooding (DR-4263)




3/9/16

First Guaranty Mortgage Corporation USDA HB-1-3555 Revisions



3/8/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Virginia Severe Winter Storm and Snowstorm (DR-4262)




3/7/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Maryland Severe Winter Storm and Snowstorm (DR-4261)




3/7/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by District of Columbia Snowstorm (DR-4260)





February

2/29/16

First Guaranty Mortgage Corporation Fannie Mae Selling Guide Announcement SEL-2016-02



2/24/16

First Guaranty Mortgage Corporation Fannie Mae Selling Guide Announcement SEL-2016-02



2/19/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Oregon Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (DR-4258)





2/18/16

First Guaranty Mortgage Corporation Disaster Policy Effective for Properties Impacted by Alaska Severe Storm (DR-4257)




2/16/16

First Guaranty Mortgage Corporation USDA Nationwide Credit Waiver



2/12/16

Disaster Policy Effective for Properties Impacted by Oklahoma Severe Winter Storms and Flooding (DR-4256)




2/10/16

Disaster Policy Effective for Properties Impacted by Texas Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4255)




2/8/16

Disaster Policy Effective for Properties Impacted by Arkansas Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4254)




2/3/16

FHA Info # 16-03: Waivers Issued for Two Policies Contained in Single Family Housing Policy Handbook



2/3/16

Disaster Policy Effective for Properties Impacted by Washington Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, Mudslides, and a Tornado (DR-4253)





2/2/16

Disaster Policy Effective for Properties Impacted by Idaho Severe Winter Storms (DR-4252)




January


1/26/16

Disaster Policy Effective for Properties Impacted by Missouri Severe Storms, Tornadoes, Straight-line Winds,and Flooding (DR-4250)




1/25/16

Disaster Policy Effective for Properties Impacted by Alabama Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4251)




1/21/16

Emergency Declaration for Properties Impacted by Michigan Contaminated Water (EM-3375)



1/21/16

Disaster Policy Effective for Properties Impacted by Washington Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (DR-4249




1/15/16

VA Circular (26-16-01): Policy Clarification for Non borrowers on Title Documents



1/5/16

VA Circular (26-14-8 Change 1): Repair Inspection Processing Procedures



1/4/16

Disaster Policy Effective for Properties Impacted by Missouri Severe Storms, Tornadoes, Straight-line Winds, and Flooding (EM-3374)






2015

December


12/30/15

Disaster Policy Effective for Properties Impacted by Oklahoma Severe Winter Storms and Flooding (DR-4247)




12/28/15

Disaster Policy Effective for Properties Impacted by Idaho Severe Storm and Straight-line Winds (DR-4246)




12/21/15

2016 VA County Loan Limits (VA Circ. 26-15-31)


12/16/15

Mandatory Flood Insurance Escrows


12/11/15

Fannie Mae Selling Guide Updates (SEL-2015-13)


12/11/15

Fannie Mae Introduces the HomeReady Mortgage Replacing the MyCommunityMortgage (MCM)



12/11/15

Various Credit Enhancements


12/10/15

2016 Nationwide FHA Forward Loan Limits (ML 2015-30)



12/7/15

FNMA High-Balance Loans: Policy Update Summary


12/4/15

FNMA Lender Letter 2015-07 Confirmation of Conventional Loan Limits for 2016



12/2/15

Non-Delegated Correspondent Bulletin: Credit Notification 2015-07 Well, Septic and Pest Inspections



12/1/15

Using the Closing Disclosure as Evidence of Liability Satisfaction and/or Asset Verification



12/1/15

Disaster Policy Effective for Properties Impacted by Texas Severe Storms, Tornadoes, Straight-line Winds, and Flooding (DR-4245)




November


11/13/15

FHA Mortgagee Letter 2015-27 Additional Temporary Approval Provisions for FHA Condominium Project Approval




11/9/15

VA-Guaranteed Home Loans Circular 26-15-29 Determinations of Spousal Status



11/3/15

Retirement of Delegated Correspondent ‘Pre-Close’ Reviews



11/2/15

Disaster Policy Effective for Properties Impacted by Alaska Severe Storm (DR-4244)



October

10/29/15

Disaster Policy Effective for Properties Impacted by Washington Wildfires and Mudslides (DR-4243)



10/28/15

Disaster Policy Effective for Properties Impacted by Washington Severe Windstorm (DR-4242)



10/23/15

Policy Revision: Age of Credit Documents


10/14/15

Pricing Improvements to Correspondent Rate Sheets
(Applies to Delegated and Non-­-Delegated)



10/8/15

Disaster Policy Effective for Properties Impacted by Severe Storms and Flooding in South Carolina



August

8/27/15

Updated Correspondent Lock Policy


June

6/5/15

Updated FNMA and FNMA DURP LLPA Value Changes



February

2/10/15

Government Insuring Documents Instructions
(Acceptable Government Mortgage Insuring Documents)



2014

December

12/23/14

Correspondents Responsibility for Paying UFMIP and VAFF Prior to FGMC Purchasing Loan
(Acceptable Government Mortgage Insuring Documents)




12/19/14

Loan Submissions in New Hampshire and Hawaii
(Non-Delegated Correspondents and Delegated Correspondents)




12/11/14

FHA and VA ARM Loan Look-back Period Change


12/9/14

FGMC Releases WELCOME HOME Purchase Program


November

11/5/14

Important notice regarding USDA Underwriting


October

10/10/14

FGMC will continue to close, fund and purchase USDA Loans “Subject to the Availability of Commitment Authority”




September

9/15/14

FGMC Now Accepts Non-Con Jumbo Loans in New York*
* NOTE: FGMC will not be accepting Co-Op Properties.




August

8/19/14

Important notice regarding Fannie Mae’s Retirement of HomePath® (including HomePath® Renovation)



8/14/14

Important Notice Regarding USDA Underwriting


8/13/14

Important Notice Regarding USDA Underwriting


April

4/28/14

New Document Custodian – Deutsche Bank


4/3/14

Non – Delegated Underwriting Fee Increased


Final Documents Policy


4/2/14

Government Product & Pricing | No FICO Score Adjustment



March

3/27/14

1X Close (Construction to Permanent) Lock Policy


February

2/12/14

Multiple Topics | MERS Registration Policy & Restrictions on the use of Power of Attorney



2/11/14

Correspondent Forms | New Loan Submission Form


January

1/13/14

Ability to Repay (ATR) and Qualified Mortgage (QM)


2013

December

12/26/13

Lock Desk Early Close New Year’s Eve


12/20/13

Missing Originator Information Will Result in Non-Purchase



12/16/13

Christmas Eve Close


November

11/18/13

Thanksgiving Holiday Closing


October

10/28/13

Reminder of delivery address for collateral & final documents



10/24/13

DU 9.1 Agency Product and Policy Revisions


10/9/13

Columbus Day Holiday – FGMC Lock Desk Closed


10/7/13

Fannie Mae Waivers


September

9/30/13

Changes to Interim Endorsements per GNMA’s new Guidelines



9/4/13

FGMC Bulletin 008-13 South Dakota Loans


South Dakota Loans


August

8/20/13

Best Efforts Adjustment


July

7/22/13

Change in Funding Fee


7/3/13

New Address for the delivery of Final Documents


June

6/7/13

FHA 1XClose Modifications


April

4/22/13

Changes to Interim Endorsements per GNMA’s new guidelines



January

1/14/13

Martin Luther King Jr. Holiday Notice


2012

December

12/12/12

Reminder that M&T Bank is FGMC’s new Document Custodian



June

6/22/12

Collateral Process including the new address for our Document Custodian