Announcements | CMG Financial

Memos

2025 MEMOS

		Title	Topics Covered
16	04/22/2025	CMG Credit Policy and Guideline Updates	Disaster Update
15	04/15/2025	CMG Credit Policy and Guideline Updates	Conventional Update FHA Streamline and VA IRRRL Hot Off the Press! Premier Jumbo Updates Premier Jumbo AUS Updates Disaster Update
14	04/08/2025	CMG Credit Policy and Guideline Updates	Disaster Update Conventional Update VA Program Update FHA Program Update
12	03/25/2025	CMG Credit Policy and Guideline Updates	FHA Recertification of Value Conventional Update Disaster Update
11	03/18/2025	CMG Credit Policy and Guideline Updates	Disaster Update 6400 Flex Jumbo Program Updates 6200 Premier Jumbo AUS Program Updates 6200 Premier Jumbo Program Updates
10	03/11/2025	CMG Credit Policy and Guideline Updates	6400 Series - Flex Jumbo Program Update Conventional Update Collateral Desktop Analysis Announcement Disaster Update
9	03/04/2025	CMG Credit Policy and Guideline Updates	FHA Program Update Disaster Update
8	02/25/2025	CMG Credit Policy and Guideline Updates	Disaster Update
7	02/18/2025	CMG Credit Policy and Guideline Updates	Conventional Updates Disaster Update
6	02/11/2025	CMG Credit Policy and Guideline Updates	Disaster Update CMG Clear
5	02/04/2025	CMG Credit Policy and Guideline Updates	Jumbo Loan in Maryland Flex Jumbo 6400 Series Update
4	01/28/2025	CMG Credit Policy and Guideline Updates	California Wildfires FHA Program Update Disaster Updates
3	01/21/2025	CMG Credit Policy and Guideline Updates	IRS California Wildfire Victims qualify for Tax Relief Disaster Updates
2	01/14/2025	CMG Credit Policy and Guideline Updates	Disaster Watchlist Updates CMG TOP VA Sponsorship and Renewals 6400 Flex Jumbo Updates CMG Halal Financing Program Updates Conventional Program Updates
1	01/07/2025	CMG Credit Policy and Guideline Updates	Disaster Watchlist Updates 6200 Premier Jumbo Updates 6200 Premier Jumbo AUS Update

2024 MEMOS

		Title	Topics Covered
54	12/24/2024	CMG Credit Policy and Guideline Updates	Conventional Program Updates Home Possible Program Update VA Announces FHFA 2025 Conforming Loan Limits
53	12/17/2024	CMG Credit Policy and Guideline Updates	VA Loan Program - Temporary local variance for certain Veteran RE-Broker charges Reminder 2025 VA Loan Program Renewal Disaster Watchlist and Declared Disasters
52	12/10/2024	CMG Credit Policy and Guideline Updates	Conventional Update for Freddie Mac (LPA) CMG Servicing
51	12/3/2024	CMG Credit Policy and Guideline Updates	FHA 2025 Nationwide Single Family Mortgage Limits FHFA officially announced 2025 Conforming Loan Limits Reminder, CMG TPO had a Holy Cow Moment Announced back in October!
50	11/26/2024	CMG Credit Policy and Guideline Updates	2025 VA Loan Program Renewals Who is CMG? Third Party IRS Transcript Ordering Thanksgiving Holiday
49	11/18/2024	CMG Credit Policy and Guideline Updates	Fannie Mae Announcement - Appraisal Alternative Requirements
48	11/12/2024	CMG Credit Policy and Guideline Updates	VA Program Update FHA Program Update CMG Jumbo Express Updates CMG Solar Express Updates Disaster Updates
47	11/5/2024	CMG Credit Policy and Guideline Updates	Conventional Update Appraisal Policies and Procedures Disaster Updates Holy Cow! - FHA and USDA Pricing Special
46	10/29/2024	CMG Credit Policy and Guideline Updates	Holy Cow - FHA and USDA Pricing Special until 12.31.2024 AUS Data Integrity
45	10/22/2024	CMG Credit Policy and Guideline Updates	Conventional Update Disaster Updates
44	10/15/2024	CMG Credit Policy and Guideline Updates	Disaster Updates 6400 Flex Jumbo Update CMG Jumbo Express Series Updates CMG Jumbo Express - Florida Fundings on Pause
43	10/8/2024	CMG Credit Policy and Guideline Updates	Disaster Updates 6200 Premier Jumbo Updates 6200 Premier Jumbo Updates AUS Updates USDA 2025 Funding
42	10/7/2024	CMG Credit Policy and Guideline Updates	Disaster Updates - Hurricane Milton
41	10/1/2024	CMG Credit Policy and Guideline Updates	Disaster Updates - Hurricane Milton
40	9/24/2024	CMG Credit Policy and Guideline Updates	Conventional Conforming Loan Limits Disaster Updates
39	9/17/2024	CMG Credit Policy and Guideline Updates	Disaster Updates
38	9/10/2024	CMG Credit Policy and Guideline Updates	Conventional Updates
37	9/4/2024	CMG Credit Policy and Guideline Updates	Conventional Updates Disaster Updates
36	8/27/2024	CMG Credit Policy and Guideline Updates	Disaster Updates National Association of Realtors Settlement Conventional Update
35	8/20/2024	CMG Credit Policy and Guideline Updates	Conventional Updates Disaster Updates
34	8/13/2024	CMG Credit Policy and Guideline Updates	Disaster Updates
33	8/6/2024	CMG Credit Policy and Guideline Updates	USDA Program Updates Disaster Updates Servicing Updates Flood Insurance Policy & Procedure
32	7/30/2024	CMG Credit Policy and Guideline Updates	Disaster Updates
31	7/23/2024	CMG Credit Policy and Guideline Updates	Iowa: Declared disaster: Following counties have been added: Dickinson, Humboldt, and Alto. Effective: July 19, 2024. Illinois: Disaster watchlist activated in Cook county. Effective: July 16, 2024. Iowa: Disaster watchlist activated in Polk county. Effective: July 16, 2024. Florida: Disaster watchlist is activated in Putnam county. Effective: July 22, 2024.
30	7/16/2024	CMG Credit Policy and Guideline Updates	USDA Program Updates CMG Closing Process Updates Disaster Updates
29	7/10/2024	CMG Credit Policy and Guideline Updates	Disaster Updates
28	7/2/2024	CMG Credit Policy and Guideline Updates	Disaster Updates Halal Financing Fee Updates Conventional Update
27	6/25/2024	CMG Credit Policy and Guideline Updates	HomeHelper Shared Equity Program Update Disaster Updates
26	6/18/2024	CMG Credit Policy and Guideline Updates	VA Issues Temporary Guidance on Buyer-Paid Broker Fees Disaster Declared Oklahoma (Severe Storms/Tornadoes/Flooding) Conventional Program Updates FHA Program Updates June 06, 2024 FHA Program Updates June 11, 2024
25	6/17/2024	CMG Credit Policy and Guideline Updates	Disaster Updates
24	6/04/2024	CMG Credit Policy and Guideline Updates	Disaster Watch List Update - Arkansas, Illinois, Iowa, Kentucky, Missouri, Oklahoma, and Wisconsin (Tornadoes) Disaster Update - Texas (Flooding/Tornadoes) Disaster Update- Arkansas and Oklahoma (Flooding/Tornadoes)
23	5/28/2024	CMG Credit Policy and Guideline Updates	Disaster Updates VA Announces Temporary Measures regarding Realtor Commissions CMG Select Partners – FHA Loans – Up Front Mortgage Insurance Reminder
22	5/21/2024	CMG Credit Policy and Guideline Updates	Disasters Declared and Watchlists Conventional Update
21	5/14/2024	CMG Credit Policy and Guideline Updates	Disaster Update and Watchlist - Oklahoma Tornadoes, Pennsylvania Tornado Conventional Update Conventional 2024 Median Income Limits (Freddie Mac)
20	5/09/2024	CMG Credit Policy and Guideline Updates	Disasters Declared and Watchlists
19	5/07/2024	CMG Credit Policy and Guideline Updates	USDA Program Updates Disasters Declared and Watchlists
18	4/30/2024	CMG Credit Policy and Guideline Updates	Disaster Watch List Update - Iowa, Nebraska, Oklahoma (Tornadoes)
17	4/23/2024	CMG Credit Policy and Guideline Updates	Conventional Program Update Disclosure Delivery Disaster Watch Update - Iowa (Tornado)
16	4/16/2024	CMG Credit Policy and Guideline Updates	Disaster Watch List Update Buyer's Agent Commission FAQ 6200 Series Premier Jumbo Program Updates 6200 Premier Jumbo AUS Program Updates 6600 Series Expanded Jumbo Program Updates
15	4/9/2024	CMG Credit Policy and Guideline Updates	Conventional Updates CMG CLEAR - Multi Factor Authentication
14	4/8/2024	CMG Credit Policy and Guideline Updates	CMG CLEAR - Multi Factor Authentication
13	4/2/2024	CMG Credit Policy and Guideline Updates	Conventional Update CMG Interim Servicing Team
12	3/26/2024	CMG Credit Policy and Guideline Updates	Disaster Update - Maine and Rhode Island (Severe Storms)
11	3/19/2024	CMG Credit Policy and Guideline Updates	Disaster Watchlist Update - Indiana, Kentucky, and Ohio (Tornadoes) USDA Program Updates All In One Loan Updates Jumbo Express Series Guideline Updates
10	3/5/2024	CMG Credit Policy and Guideline Updates	Conventional Update Disaster Watchlist Update - Ohio and Michigan (Tornadoes)
9	2/27/2024	CMG Credit Policy and Guideline Updates	VA Program Update Conventional Updates Conventional Update
8	2/20/2024	CMG Credit Policy and Guideline Updates	Disaster Watchlist Update - Wisconsin (Tornado) Disaster Update - California (Severe Storm and Flooding) Conventional Updates USDA Program Updates
7	2/13/2024	CMG Credit Policy and Guideline Updates	Home Possible & HomeReady Very Low-Income Purchase Credit Wire Fraud Reporting and Prevention
6	2/6/2024	CMG Credit Policy and Guideline Updates	6400 Flex Jumbo Update 700 Elite Jumbo Suspended Wire Fraud Reporting and Prevention Disaster Watchlist Update - Florida (Tornado)
5	1/30/2024	CMG Credit Policy and Guideline Updates	Buyer's Agent Commission FAQ Verbal Verification of Employment Reminders Wire Fraud Reporting and Prevention
4	1/23/2024	CMG Credit Policy and Guideline Updates	Wire Fraud Reporting and Prevention 6400 Series -- Flex Jumbo Update
3	1/16/2024	CMG Credit Policy and Guideline Updates	FHA Program Update Conventional Update Disaster Update
2	1/9/2024	CMG Credit Policy and Guideline Updates	Disaster Watch List Update - California (Flooding) - Additional Counties added Conventional Update USDA Program Updates 6200 Premier Jumbo Program Updates 6200 Premier Jumbo AUS Program Updates 6600 Expanded Jumbo Program Updates
1	1/2/2024	CMG Credit Policy and Guideline Updates	VA Announces Federal Housing Finance Agency (FHFA) 2024 Conforming Loan Limits Conventional Update CMG Jumbo Express Series Guideline Updates Disaster Update - Tennessee (Tornadoes) - Additional counties added

2023 MEMOS

		Title	Topics Covered
61	12/29/2023	CMG Credit Policy and Guideline Updates	Disaster Watch List Update - California (Possible Flooding)
60	12/27/2023	CMG Credit Policy and Guideline Updates	Conventional Updates Temporary Buydown Updates
59	12/19/2023	CMG Credit Policy and Guideline Updates	Disaster Declared - Tennessee (Tornados)
58	12/12/2023	CMG Credit Policy and Guideline Updates	VA Program Update Temporary Buydown Reminder Appraisal Order Reminder Disaster Watch List Update - Alabama, Kentucky, Tennessee (Tornados)
57	12/05/2023	CMG Credit Policy and Guideline Updates	Disaster Update - Illinois (Severe Storms) FHFA 2024 Loan Limit Announced
56	11/28/2023	CMG Credit Policy and Guideline Updates	VA Program Update Reminder on CMG Mortgage Servicing Rights (MSR)
55	11/21/2023	CMG Credit Policy and Guideline Updates	Conventional - Fannie Mae LTV Increase Update Project Standards Department Changes
54	11/14/2023	CMG Credit Policy and Guideline Updates	Appraisal Notifications
53	11/06/2023	CMG Credit Policy and Guideline Updates	Conventional Update PLS Investment and Second Home Addendum Update FHA Program Updates All In One Loan Guideline Updates
52	10/31/2023	CMG Credit Policy and Guideline Updates	Appraisal Orders/Notifications FHA Program Updates
51	10/24/2023	CMG Credit Policy and Guideline Updates	USDA Program Updates 6200 Premier Jumbo and 6600 Expanded Program Update Fannie Mae LTV Increase
50	10/17/2023	CMG Credit Policy and Guideline Updates	6200 Premier Jumbo Program Updates 6200 Premier Jumbo AUS Program Updates All IN One Loan Guideline Update
49	10/11/2023	CMG Credit Policy and Guideline Updates	Breaking News! Product Update
48	10/10/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Reminder - Manufactured Homes Conventional Guideline Update
47	10/2/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Updates USDA Program Updates All In One Loan 801-AIO Updates
46	9/29/2023	CMG Credit Policy and Guideline Updates	Impact of Government Shutdown (Pending)
45	9/19/2023	CMG Credit Policy and Guideline Updates	Disaster Update - Florida (Hurricane Idalia) USDA Annual Lapse in Funding and Subject to Conditional Commitments
44	9/12/2023	CMG Credit Policy and Guideline Updates	FHA Update - Mortgage Credit Reject flag removed Disaster Update - Georgia (Hurricane Idalia)
43	9/5/2023	CMG Credit Policy and Guideline Updates	Premier Jumbo and Premier Jumbo AUS All In One Loan - Program Code and Guideline Update Disaster Update - Florida (Hurricane Idalia) Disaster Update - Colorado and Iowa (Storms/Flooding)
42	8/29/2023	CMG Credit Policy and Guideline Updates	PLS Investment and Second Home Addendum Update Projected Income Update - Conventional, FHA, VA, and USDA Programs Conventional Guideline Update CMG Jumbo Express Update
41	8/23/2023	CMG Credit Policy and Guideline Updates	Attention – TPO Partners who utilize FNMA Desktop Originator
40	8/22/2023	CMG Credit Policy and Guideline Updates	Disaster Watch List Updates Declared Disaster Updates Conventional Guideline Update 6200 Series - Premier Jumbo Program Updates
39	8/18/2023	CMG Credit Policy and Guideline Updates	All In One Loan Guideline Update – 801-MBI Based Product Series
38	8/14/2023	CMG Credit Policy and Guideline Updates	Disaster Watch List Updates Conventional Guidelines Update
37	8/8/2023	CMG Credit Policy and Guideline Updates	Disaster Update – Vermont (Storms/Flooding) Disaster Watch List Update – Illinois and Missouri (Tornadoes) Conventional Guideline Update 6400 Series – Flex Jumbo Update
36	7/17/2023	CMG Credit Policy and Guideline Updates	Attention – TPO Partners who utilize FNMA Desktop Originator – Name Change in DO Sponsorship Institution USDA Guideline Update Disaster Watchlist Update – Multiple States
35	7/5/2023	CMG Credit Policy and Guideline Updates	PLS Investment and Second Home Addendum Update Attention – TPO Partners who utilize FNMA Desktop Originator – Institution Sponsorship Changes
34	6/27/2023	CMG Credit Policy and Guideline Updates	CMG Jumbo Express Guideline Updates
33	6/21/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Update
32	6/14/2023	CMG Credit Policy and Guideline Updates	Disaster Update – California (Storms/Flooding) Correction – Conventional Guideline Update Originally Posted May 2, 2023
31	6/13/2023	CMG Credit Policy and Guideline Updates	Halal Financing Program Update All in One Loan – AIO 3,5 Year Fixed Programs and 801-WAB is Suspended All in One Loan – Update to 801-MBI Program Series PLS Investment and Second Home Addendum Update CMG Financial celebrates the Observance of Juneteenth
30	5/30/2023	CMG Credit Policy and Guideline Updates	Clear Enhancement – Type Ahead Search Feature
29	5/17/2023	CMG Credit Policy and Guideline Updates	Attention Wholesale and Select Partner’s who originate in the State of Minnesota
28	5/16/2023	CMG Credit Policy and Guideline Updates	Disaster Update – Oklahoma (tornadoes and flooding) FHFA Rescinds Proposed LLPA for DTI Ratios Conventional Guideline Update CMG 700 Series – Elite Jumbo Program Updates
27	5/2/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Update FHA/VA Manufactured Home Addendum Update Disaster Update - Florida (Tornadoes/Flooding)
26	4/25/2023	CMG Credit Policy and Guideline Updates	ARIVS Appraisal AMC – Updated Appraisal Fees VA Guideline Update Temporary Buydown Updates Disaster Updates – Oklahoma Storms/Tornadoes
25	4/18/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Update Disaster Update
24	4/11/2023	CMG Credit Policy and Guideline Updates	USDA Guideline Update Disaster Update – California Severe Weather Disaster Update – Tennessee Severe Weather
23	4/04/2023	CMG Credit Policy and Guideline Updates	6200 Series – Premier Jumbo Program Updates 6600 Series – Expanded Jumbo Program Updates Jumbo Express – Guideline Updates ALL In One 801-NPB – Guideline Update Disaster Update - Arkansas & Mississippi (Severe Weather)
22	3/28/2023	CMG Credit Policy and Guideline Updates	All In One Loan – 801 MBI Guidelines Disaster Update – Mississippi (Severe Weather)
21	3/23/2023	CMG Credit Policy and Guideline Updates	CMG Lockdesk Announcement – LLPA for DTI Ratio > 40% has been removed
20	3/14/2023	CMG Credit Policy and Guideline Updates	USDA Guideline Update
19	3/07/2023	CMG Credit Policy and Guideline Updates	Disaster Update – Arkansas Wind and Hail Lock Desk Announcement – LLPA Updates and Guideline Updates for Premier and Expanded Jumbo Products VA Funding Fee Updates
18	3/01/2023	CMG Credit Policy and Guideline Updates	Disaster Update - Illinois and Oklahoma (Tornadoes)
17	2/28/2023	CMG Credit Policy and Guideline Updates	FHA MIP Reduction Update FHFA Announces Use of the Supplemental Consumer Information Form (SCIF) CLEAR – Scenario Pricing Tool – Conventional Loans
16	2/23/2023	CMG Credit Policy and Guideline Updates	FHA MIP Reduction Information Disaster Update – California Storms and Flooding
15	2/21/2023	CMG Credit Policy and Guideline Updates	Conventional - New URLA Requirement Effective 3.1.23 – Supplemental Consumer Information Form Conventional Guideline Updates – Clarification Conventional Covid Overlay Announcement Reminder – GSE LLPA Updates Effective 2.21.23 Disaster Update – Arkansas Wind and Hail
14	2/17/2023	CMG Credit Policy and Guideline Updates	Conventional LLPA Updates – Effective 2.21.23
13	2/14/2023	CMG Credit Policy and Guideline Updates	Conventional Guideline Update Disaster Update Georgia Severe Weather
12	2/8/2023	CMG Credit Policy and Guideline Updates	Account Manager Turn Time Notice
11	2/7/2023	CMG Credit Policy and Guideline Updates	Disaster Update - California (Storms and Flooding) & Alabama (Severe Weather)
10	2/7/2023	CMG Credit Policy and Guideline Updates	VA Circular 26-23-03 – VA 26-1820 – Date Revision REMINDER – Contact CMG Help Desk
9	1/31/2023	CMG Credit Policy and Guideline Updates	Iowa Title Guaranty – Reminder Address Confidentiality Programs All In One Loan (AIO) 801 MBI – Product Updates Reminder Temporary Buydowns Available for ARM and Second Homes Disaster Update Alabama Tornados and Disaster Update – California Storms and Flooding
8	1/27/2023	CMG Credit Policy and Guideline Updates	Disaster Update - Texas and Louisiana (Tornadoes)
7	1/26/2023	CMG Credit Policy and Guideline Updates	Disaster Updates for Texas, Louisiana and California
6	1/24/2023	CMG Credit Policy and Guideline Updates	Temporary Buydowns – Now available on Conventional Second Homes and Adjustable-Rate Mortgages FHA Program Updates
5	1/20/2023	CMG Credit Policy and Guideline Updates	Disaster Update – California Storms and Flooding & Alabama Severe Weather & Georgia Severe Weather Disaster Declared
4	1/18/2023	CMG Credit Policy and Guideline Updates	Disaster Update - California (Storms and Flooding) & Alabama (Tornadoes) USDA Guideline Update
3	1/13/2023	CMG Credit Policy and Guideline Updates	Disaster Update - California (Storms and Flooding)
2	1/11/2023	CMG Credit Policy and Guideline Updates	Disaster Update - California (Storms and Flooding)
1	1/10/2023	CMG Credit Policy and Guideline Updates	6200 Series – Premier Jumbo Program Updates 6200 Series – Premier Jumbo AUS Program Updates 6600 Series – Expanded Jumbo Program Updates All In One Loan (AIO) Reminder – MBI Insurance Requirements

2022 MEMOS

		Title	Topics Covered
76	12/27/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Reminder FHA Program Updates CMG Jumbo Express Series Guideline Updates
75	12/21/2022	CMG Credit Policy and Guideline Updates	Disaster Update- California (Earthquake)
74	12/20/2022	CMG Credit Policy and Guideline Updates	Conventional Update: Florida’s Temporary Market Stabilization Arrangement Conventional Guideline Reminder Conventional: Temporary Buydown Updates VA Temporary Buydown Guidelines – Reminder Clarification on VA Appraisal Payments Policy FHA Program Updates
73	12/14/2022	CMG Credit Policy and Guideline Updates	Disaster Update - Texas and Louisiana (Tornado)
72	12/13/2022	CMG Credit Policy and Guideline Updates	Temporary Buydowns Available for FHA & VA Loans VA Circular 26-22-17 – Private Roads & Shared Driveways VA Appraisal Payments USDA Announcement – Handbook Updates Income Validation Policy - Reminder
71	12/6/2022	CMG Credit Policy and Guideline Updates	Temporary Buydowns Available for Conforming Loans 2023 Loan Limits Announced – FHA and VA Lock Desk Announcement – Agency LLPA Changes All In One Loan (AIO) Update –WAB Based Loans with Properties in Declining Markets
70	11/29/2022	CMG Credit Policy and Guideline Updates	Conventional Conforming Loan Limit Increases for 2023
69	11/22/2022	CMG Credit Policy and Guideline Updates	Jumbo Comparison Matrix Update
68	11/15/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Reminder
67-1	11/14/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
66-1	11/10/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
65	11/08/2022	CMG Credit Policy and Guideline Updates	6400 Series - Flex Jumbo Conventional Guideline Reminder Veteran's Day Guidance (11/11/22)
64-1	11/07/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Oklahoma (Tornado)
63	11/01/2022	CMG Credit Policy and Guideline Updates	Manufactured Homes Less Than 1 Year of Age Allowed - Conventional, FHA, and VA
62	10/27/2022	CMG Credit Policy and Guideline Updates	Conforming Loan Limit Reduction
61-1	10/25/2022	CMG Credit Policy and Guideline Updates	USDA: Fiscal Year 2023 SFH Guaranteed Funds Now Available Appraisal Policy Reminder
60	10/18/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Update Jumbo Express Series Product Expansion
59-1	10/17/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
58-1	10/12/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
57-1	10/11/2022	CMG Credit Policy and Guideline Updates	Attention TPO Wholesale Partners
56	10/11/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Update Letter of Explanation Reminder USDA Guideline Update 6400 Series - Flex Jumbo Guideline Update 700 Series - Elite Jumbo Guideline Update
55-1	10/10/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
54-1	10/06/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
53-1	10/03/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida and South Carolina (Hurricane)
52-1	09/30/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida and South Carolina (Hurricane)
51-1	09/29/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
50-1	09/28/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
49-1	09/27/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
48	09/27/2022	CMG Credit Policy and Guideline Updates	Conventional Program Updates VA Seasoning Requirements Reminder CLEAR Enhancement – Multiple MI Quotes Available at Loan Creation
47-1	09/26/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
46-1	09/26/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Florida (Hurricane)
45	09/20/2022	CMG Credit Policy and Guideline Updates	Elimination of Jumbo A and Jumbo Solar Loan Program CMG Clear Reminder: Uploading Documents
44	09/13/2022	CMG Credit Policy and Guideline Updates	Conventional Loan Limit Increase USDA Annual Lapse in Funding and "Subject To" Conditional Commitments
43	09/06/2022	CMG Credit Policy and Guideline Updates	All In One Loan (AIO) Guideline Updates
42	08/30/2022	CMG Credit Policy and Guideline Updates	Uploading Loan Conditions - Reminder
41-1	08/25/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Mississippi (Flooding)
40-1	08/24/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Texas (Flooding)
39	08/23/2022	CMG Credit Policy and Guideline Updates	CLEAR Enhancement – Important Dates Tab
38	08/16/2022	CMG Credit Policy and Guideline Updates	Appraisal Ordering and Appraiser Independence Reminder
37-1	08/10/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Mississippi (Flooding)
37	08/09/2022	CMG Credit Policy and Guideline Updates	Reminder: FHA/VA Amendatory Clause/Escape Clause Appraisal Policies and Procedures All in One Program – Q&A Call Reminders
36-1	08/08/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Kentucky (Storms and Flooding)
34-1	08/04/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Kentucky and Montana (Storms and Flooding)
33	08/02/2022	CMG Credit Policy and Guideline Updates	6400 Series - Flex Jumbo Disaster List Updates
32-1	08/01/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – California (Fire)
31-1	07/28/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Kentucky (Flood)
30-1	07/26/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Texas (Fire)
30	07/26/2022	CMG Credit Policy and Guideline Updates	Conventional Program Updates – Self-Employed Income
29-1	07/25/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – California (Fires)
29	07/19/2022	CMG Credit Policy and Guideline Updates	FHA Appraisal Validity Date Update
28-1	07/15/2022	CMG Credit Policy and Guideline Updates	Disaster List Update Virginia (Flooding)
28	07/12/2022	CMG Credit Policy and Guideline Updates	Fannie Mae DU Updates – Risk and Eligibility
27-1	07/05/2022	CMG Credit Policy and Guideline Updates	Disaster List Update - Montana and Oklahoma (Severe Storms, Tornadoes, and Flooding)
27	07/05/2022	CMG Credit Policy and Guideline Updates	VA Updates – Wood Destroying Pest Fees and Required Home Repairs
26	06/28/2022	CMG Credit Policy and Guideline Updates	FNMA Program Updates CMG Condo Questionnaire – Updated
25	06/21/2022	CMG Credit Policy and Guideline Updates	CMG PLS Investment and Second Home Program - REMINDER Freddie Mac Program Updates
24	06/14/2022	CMG Credit Policy and Guideline Updates	2022 Income Limits for Single-Family Housing Guaranteed Loan Program (USDA) Reminder: Condo Department Approval Needed for Leasehold Estates
23	06/07/2022	CMG Credit Policy and Guideline Updates	Conventional Program Updates
22	05/31/2022	CMG Credit Policy and Guideline Updates	New Product Release: CMG PLS Investment and Second Homes
21	05/24/2022	CMG Credit Policy and Guideline Updates	CLEAR Website Save Feature Enhancement Conventional Program Updates
20-2	05/23/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Michigan (Tornado)
20-1	05/17/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Minnesota and South Dakota (Tornado)
20	05/17/2022	CMG Credit Policy and Guideline Updates	USDA Program Updates Appraisal Department Reminder
19-2	05/13/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – South Dakota (Tornado)
19-1	05/12/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – California (Fire)
19	05/10/2022	CMG Credit Policy and Guideline Updates	RefiNow Fannie Mae Program Updates Refi Possible Freddie Mac Program Updates Suspension of Medical Professional Program Fixed AIO Program Advance Locks - Reminder and Updates
18-4	05/09/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – North Carolina (Tornado)
18-3	05/06/2022	CMG Credit Policy and Guideline Updates	Program Update: Medical Professional Loan
18-2	05/05/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – New Mexico (Fire)
18-1	05/03/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Kansas (Tornado)
18	05/03/2022	CMG Credit Policy and Guideline Updates	6200 Premier Jumbo Program Updates 6200 Premier Jumbo AUS Program Updates 6600 Expanded Jumbo Program Updates Temporary 4506 Audit Exception
17	04/26/2022	CMG Credit Policy and Guideline Updates	New Product: Adding ARMs to Expanded and Premier Jumbo (6600 Series and 6200 Series)
16-2	04/21/2022	CMG Credit Policy and Guideline Updates	New Product: Adding ARMs to Expanded and Premier Jumbo (6600 Series and 6200 Series)
16-1	04/20/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – New Mexico (Fire)
16	04/19/2022	CMG Credit Policy and Guideline Updates	FNMA RefiNow Guideline Update Compliance
15-1	04/15/2022	CMG Credit Policy and Guideline Updates	New Product: Adding ARMs to Expanded and Premier Jumbo (6600 Series and 6200 Series)
15	04/12/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Update Property Rate AMC Appraisal Fee Update
14	04/05/2022	CMG Credit Policy and Guideline Updates	Conventional Guideline Update 6400 Series Flex Jumbo Program Update Integrity Appraisal Management Fee Update
13-2	03/31/2022	CMG Credit Policy and Guideline Updates	Disaster List Update – Alabama, Florida, Illinois, Louisiana, Mississippi, Tennessee, and Texas
13-1	03/30/2022	CMG Credit Policy and Guideline Updates	Arkansas and Missouri Disaster Updates
13	03/29/2022	CMG Credit Policy and Guideline Updates	6200 Series Premier Jumbo and 6600 Series Expanded Jumbo Updates Disaster Watch List Counties New Product Release – Premier Jumbo AUS (6200 Series) AMC Fee Update – Evaluation Zone and Guideline AMC
12	03/22/2022	CMG Credit Policy and Guideline Updates	RefiNow reminder Fannie Mae COVID Update New program Release - CMG's HomeHelper Shared Equity Program
11	03/15/2022	CMG Credit Policy and Guideline Updates	Eligible Lending States / Geographic Restrictions Conventional Guidelines (Freddie Mac) Program Updates Medical Professional Program Update
10	03/08/2022	CMG Credit Policy and Guideline Updates	CLICK Appraiser and Nadlan Valuation – Fee updates Fannie Mae Update Freddie Mac Update 4506 Changes
09	03/01/2022	CMG Credit Policy and Guideline Updates	New Product Release reminder – CMG’s Halal Financing program All In One Loan (AIO) Lock Policy Update Secure Portal Reminder
08	02/22/2022	CMG Credit Policy and Guideline Updates	4506 Changes E-sign Policy Reminder New Product Release – CMG’s Halal Compliant Lending Program Jumbo A, Jumbo Express, Solar Jumbo, and Solar Express LLPA updates
07	02/15/2022	CMG Credit Policy and Guideline Updates	CMG Update - Borrower Email FNMA Update - Classic 1003/3.2 Discontinued Clarification: FHA Departing Residence Policy Jumbo A, Jumbo Express, Solar Express, and Solar Jumbo Express Clarification Medical Professional Program - new name - DOCTOR LOAN
06	02/08/2022	CMG Credit Policy and Guideline Updates	Freddie Mac Updates Fannie Mae Update Freddie Mac RefiPossible Update
05	02/01/2022	CMG Credit Policy and Guideline Updates	Disaster Policy Update Federal Income Tax Installment Clarification Agreement Integrity Appraisal Management AMC Fee Change CLEAR Website Optimal Performance
04	01/25/2022	CMG Credit Policy and Guideline Updates	CMG CLEAR Website Fannie Mae Update Freddie Mac Update All In One Loan Update
03	01/19/2022	CMG Credit Policy and Guideline Updates	Condo Reminder All In One Loan Update - 801-WAB Based Products Disaster List Update - Tennessee
02	01/11/2022	CMG Credit Policy and Guideline Updates	Premier Jumbo 6200 and Expanded Jumbo 6600 Series Guideline Updates All In One Loan Update - 801-NPB All In One Loan Update - 801-WAB Based Products Disaster List Update - Washington Reminder Conventional Condo Update: Previously Posted 12.21.21 Reminder: Minimum Initial Loan Submission Requirements
01	01/04/2022	CMG Credit Policy and Guideline Updates	Disaster List Update - Kentucky Disaster List Update - Colorado

2021 MEMOS

		Title	Topics Covered
61	12/28/2021	CMG Credit Policy and Guideline Updates	VA Loan Limits AIO Update Arkansas - Severe Storms and Tornadoes Disaster List Update - Alabama
60	12/21/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - Kentucky Conventional Guideline and Condo Update Medical Professionals Program Update 801-NPB AIO Loan Update - Asset Depletion Jumbo A, Jumbo Express, Jumbo Solar and Jumbo Solar Express Program Agency Loan Limits 700 Series - Elite Jumbo Conforming Loan Limit and Jumbo Minimum Loan Amount AIO 801-MBI Loan Program Update - Appraisal Requirements AIO Update - Deadline for Closing With 1-Month Libor Index
58-1	12/14/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - Kentucky
58	12/14/2021	CMG Credit Policy and Guideline Updates	AIO Update - Appraisal Requirement AIO Update - deadline for closing with 1-month LIBOR index Disaster List Update - Midwest Storms
57	12/07/2021	CMG Credit Policy and Guideline Updates	Impact of Loan Limits Changes for 2022 by Financing Type Credit Rescore for Non-QM And Jumbo Products AIO Update - Deadline for Closing with 1-Month LIBOR Index
56	11/30/2021	CMG Credit Policy and Guideline Updates	Disaster List Update: Mississippi
55	11/23/2021	CMG Credit Policy and Guideline Updates	Freddie Mac Conventional Loan Reminder Program Enhancement - VA Cash Out to 100% LTV Minimum 600 Credit Score for Freddie Mac and FNMA Reminder All In One Deadline to Close 1-Month LIBOR Index Based Loans All In One 801-WAB Series Guideline Update All In One Reserve Requirement Correction for Borrowers With Multiple AIO Loans Medical Professionals Program Update
54	11/16/2021	CMG Credit Policy and Guideline Updates	All In One Reserve Requirement Update for Borrower's with Multiple AIO Loans
53	11/09/2021	CMG Credit Policy and Guideline Updates	All In One Reserve Requirement Update for Borrower's with Multiple AIO Loans Fannie Mae Updates FEMA Changes to Flood Insurance Requirements
52	11/02/2021	CMG Credit Policy and Guideline Updates	Reminder: Valued CMG Partners ARIVS Appraisal AMC - Updated Appraisal Fees Jumbo Express Guideline Update Jumbo Solar Express Guideline Update AIO 801 Series Updates
51	10/26/2021	CMG Credit Policy and Guideline Updates	Reminder: Valued CMG Partners FNMA Updates FHLMC Updates FNMA Condo Reserve Requirements AIO –801 NPB Program Guideline update Medical Professional Program Update
50-1	10/19/2021	CMG Credit Policy and Guideline Updates	AMC Fee Update - Property Rate Temporary Conforming Loan Limits Increased Replacing/Removing a Borrower FNMA Condo Reserve Requirements USDA Funds Available for FY2022 AIO - 801 MBI Series - Update to Acceptable Age of Appraisals
50	10/12/2021	CMG Credit Policy and Guideline Updates	HomePossible Guideline Update Guideline Updates for 6200 & 6600 Series Jumbos
49	10/08/2021	CMG Credit Policy and Guideline Updates	Columbus Day Holiday
48	10/05/2021	CMG Credit Policy and Guideline Updates	AIO Index Change VA Simultaneous Closings 6200 & 6600 Series Updates
44	09/28/2021	CMG Credit Policy and Guideline Updates	AIO Index Change Simultaneous Closings VVOE Timing Requirements USDA Guideline Updates USDA Annual Lapse in Funding and “Subject To” Conditional Commitments
46	09/27/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - Michigan and Pennsylvania
43-1	09/21/2021	CMG Credit Policy and Guideline Updates	Loan Submission and Loan Conditions Reminder Conventional: Investment and Second Home Additional LLPA removal Counties Removed from Disaster Watch List FNMA DU Updates Genworth is now Enact AIO Index Change AIO Loans in New York
45	09/20/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - New Jersey and California
42-1	09/14/2021	CMG Credit Policy and Guideline Updates	Medical Professional Program Updates Disaster Policy Addendum Mississippi Counties Released from Storm Watch List FNMA Credit Score Update AIO Index Change
43	09/13/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - New York and New Jersey Additional Counties added Disaster List Update - Pennsylvania
42	09/10/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - North Carolina
41	09/07/2021	CMG Credit Policy and Guideline Updates	Hurricane Ida - Disaster Update - Suspension of Fundings Fire Situation and Disaster Policy Fannie Mae Update Reminders Freddie Mac Updates
40	09/02/2021	CMG Credit Policy and Guideline Updates	Tropical Depression Ida Disaster Update –Suspension Many East Coast State
38-1	08/31/2021	CMG Credit Policy and Guideline Updates	New Program Release: Medical Professional Freddie Mac Underwriting Tool Downtimes Scheduled for September FEMA Disaster Declarations DU Enhancements - Market-Based Assets COVID Restrictions Update Freddie Mac Refi Possible: New Product
38	08/30/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - Louisiana Hurricane Ida – Disaster Update – Suspension of Fundings in LA and MS
37	08/24/2021	CMG Credit Policy and Guideline Updates	Appraisal Delivery Requirement Reminder Fannie Mae DU Updates Coming Soon WAB-AIO Updates
36	08/17/2021	CMG Credit Policy and Guideline Updates	FNMA/FHLMC COVID Policy update Flood Insurance Escrow Requirement Fire Situation and Disaster Policy
35	08/10/2021	CMG Credit Policy and Guideline Updates	Class Appraisal AMC - Updated Appraisal Fees Fannie Mae Updates Freddie Mac Updates COCs After Closing (Compliance Reminder)
34	08/03/2021	CMG Credit Policy and Guideline Updates	Ability to Repay - Reminder
33	07/27/2021	CMG Credit Policy and Guideline Updates	Disaster List Update - Michigan & Louisiana DACA Updates AMC Fee Update - ACT Appraisal and GOT Appraisals
32	07/20/2021	CMG Credit Policy and Guideline Updates	VA Circular 26-21-11 Freddie Mac Updates Redwood Jumbo & Revised QM AIO & GSE COVID Overlays Update
31	07/13/2021	CMG Credit Policy and Guideline Updates	Premier Non QM (7200) and Expanded Non QM (7600) Retirement Fannie Mae Asset Documentation and Age of Appraisal
30	07/06/2021	CMG Credit Policy and Guideline Updates	Jumbo Express Rerelease with Enhanced Eligibility FHA Mortgagee Letter 2021-16 Compliance: CD Due Dates July
29	06/29/2021	CMG Credit Policy and Guideline Updates	Updates and Reminders for COVID-19 Requirements Compliance: Holiday Q and A Elite 700 Series Update Clarification – Conventional Conforming Earnest Money Deposit
28-1	06/22/2021	CMG Credit Policy and Guideline Updates	FHA Student Loans - Correction
28	06/22/2021	CMG Credit Policy and Guideline Updates	New Juneteenth Federal Holiday - Closings and Fundings Delayed FHA Student Loans RefiNow Updates Conventional Conforming & Revised QM Elite Jumbo 700 Series Updates
27	06/15/2021	CMG Credit Policy and Guideline Updates	RefiNow New Product Launch Premier and Expanded Non Agency Enhancements HomeReady new 2021 AMI Limits Available Home Possible AMI Limits Update VA Circular - VA Addendum to URLA Reminder Genworth Changes Name to Enact Elite Jumbo (700) Series Update
26	06/01/2021	CMG Credit Policy and Guideline Updates	GSE High LTV Programs on Pause Imagin Product Retirement Correction Disaster List Update - WV FHA ML 2021-12 Non-Permanent Resident Borrowers AIO Process Update - Funds Disbursing the Following Month USDA - GUS Enhancement
25	05/24/2021	CMG Credit Policy and Guideline Updates	A Note From Compliance Lock Desk Updates Disaster List Update - Tennessee Fannie Mae Announces 2021 AMI Jumbo A Updates USDA Reminders
24	05/11/2021	CMG Credit Policy and Guideline Updates	EPMI - Product Retirement VVOE Timing Non-Agency - Post Closing Reminder Freddie Mac Updates Bulletin 2021-16 Iowa Title Guaranty
23	05/07/2021	CMG Credit Policy and Guideline Updates	Jumbo A Adjustments
22	05/04/2021	CMG Credit Policy and Guideline Updates	Freddie Mac LPA Messaging Updates Disaster List Update - Alabama FHA Streamline and VA IRRRL Requirements (Reminder) Freddie Mac's Loan Product Advisor AUS findings (Reminder) Flex 6400 Jumbo
21	04/30/2021	CMG Credit Policy and Guideline Updates	Temporary Suspension Jumbo Express (MAXEX) Kentucky – Disaster List Update
20	04/27/2021	CMG Credit Policy and Guideline Updates	JumboA and Jumbo Express “Solar” Options Fannie Mae and Freddie Mac Announce End Date for COVID-19 Appraisal Flexibilities
19	04/20/2021	CMG Credit Policy and Guideline Updates	Lock Desk Updates VA Circular 26-21-8: Expanded Home Loan Eligibility Based on National Guard Service All-In-One #801 MBI Arch MI Enhancement USDA Publishes Origination FAQs eValuation Zone AMC - Updated Appraisal Fees
18	04/13/2021	CMG Credit Policy and Guideline Updates	Re-Introducing The Flex 6400 Series Jumbo Freddie Mac Updates ARIVS AMC - Updated Appraisal Fees
17	04/06/2021	CMG Credit Policy and Guideline Updates	Reminder - Refinancing out of a loss mitigation plan and paying off the deferred portion All In One Clarification – Assets Eligibility for Asset Depletion VA COVID-19 Flexibilities Expire IRS Extends Filing Deadline USDA Maximum Loan Amount Property Tax Reminders
16	03/31/2021	CMG Credit Policy and Guideline Updates	Tennessee - Disaster List Update - Davidson County Added to Disaster List
15	03/30/2021	CMG Credit Policy and Guideline Updates	Elite Jumbo 700 Series Updates AMC Fee Update - Nationwide Property & Appraisal Services FHA 92900A Update (Reminder) VA 92900A Update (Reminder)
14	03/23/2021	CMG Credit Policy and Guideline Updates	All In One Update – Arch MI Cryptocurrency / Bitcoin Reminder VA Training for VA Form 26-8937 FHA Revised Condominium Questionnaire Forms Fannie Mae & Freddie Mac Issue Updated COVID-19 FAQ FHA 92900-A Update (Reminder) VA 92900-A Update (Reminder)
13	03/16/2021	CMG Credit Policy and Guideline Updates	Update to AIO Loan Pricing & New Program Release Disaster List Update - Louisiana Reminder - USDA Handbook Updates Freddie Mac Update - Open End Accounts POA Update - Fannie Mae and Freddie Mac Borrower Acknowledgment FHA 92900-A Update VA 92900-A Update URLA 2021 Broker Training
12	03/06/2021	CMG Credit Policy and Guideline Updates	FHA 92900-A Update VA 92900-A Update URLA 2021 Broker Training
11	03/02/2021	CMG Credit Policy and Guideline Updates	Oklahoma Disaster List Texas Disaster List Update VA Certificate of Eligibility enhancements to streamline Income Verification COVID-19 Extensions FHA & USDA URLA 2021 Broker Training
10	02/25/2021	CMG Credit Policy and Guideline Updates	URLA 2021 Dates URLA Training
09	02/23/2021	CMG Credit Policy and Guideline Updates	Jumbo / Non-Agency Update Texas Disaster List Update FHA - FHAC Update for HMDA (Reminder) URLA 2021 Broker Training
08	02/16/2021	CMG Credit Policy and Guideline Updates	Faannie Mae Updates - Multiple Topics GSE COVID-19 Flexibility Extension URLA 2021 Broker Training
07	02/09/2021	CMG Credit Policy and Guideline Updates	Freddie Updates - Multiple Topics Reminder: VA Cashout Seasoning Requirements USDA Single Family Housing Guaranteed Loan Program Updates 4506-C Reminder URLA 2021 Broker Training
06	02/02/2021	CMG Credit Policy and Guideline Updates	4506-C All In One Updates Private Flood Insurance Reminder Guidance AMC - Updated Appraisal Fees Reminder - FHA URLA 2021 Broker Training
05	01/27/2021	CMG Credit Policy and Guideline Updates	VA Refinance and IRRL CLEAR Enhancement
04	01/26/2021	CMG Credit Policy and Guideline Updates	Disaster List Updates Fannie Mae and Freddie Mac Updates – COVID-19 FAQ Freddie Mac Provides Age of Tax Return Guidance Home Possible 2-4 unit max LTV 85% All In One #801WAB – Rental Income From ADU URLA 2021 Broker Training (Reminder) 4506-C (Reminder)
03	01/26/2021	CMG Credit Policy and Guideline Updates	Disaster List Updates Fannie Mae and Freddie Mac Updates – COVID-19 FAQ Freddie Mac Provides Age of Tax Return Guidance Home Possible 2-4 unit max LTV 85% All In One #801WAB – Rental Income From ADU URLA 2021 Broker Training (Reminder) 4506-C (Reminder)
02	01/19/2021	CMG Credit Policy and Guideline Updates	Conventional Conforming SOFR ARMs Release 1/19 Fannie Mae Updates – Multiple Topics FHAC Connection URLA 2021 Broker Training (Reminder) 4506-C (Reminder)
01	01/12/2021	CMG Credit Policy and Guideline Updates	URLA 2021 Broker Training Fannie FAQ of the Week COVID -19 Extensions VA Loan Limits 2021 VA Assets & VA IRRRL Cash to Close 4506-C

2020 MEMOS

		Title	Topics Covered
74	12/21/2020	CMG Credit Policy and Guideline Updates	2021 Loan Limits USDA Reminder - Impact of Lapse in Funding New Conventional Condo Questionnaire Compliance Q&A Holidays
73	12/14/2020	CMG Credit Policy and Guideline Updates	2021 Loan Limits USDA - FY Funding and Conditional Commitment Notice Disaster List Updates Texas Section 50(A)(6) Borrower Eligibility Compliance Q&A Holidays
68	11/02/2020	CMG Credit Policy and Guideline Updates	Hurricane Zeta Disaster Updates Disaster List Updates – California FHA Desktop Appraisals No Longer Eligible & Re-Verification of Employment Guidance Recorded Webinar Link: FHA New Construction Updates USDA Extends COVID-19 Related Temporary Exceptions All In One #801 MBI Maximum Acreage All In One #801 WAB New York Minimum Line Amount Conventional Conforming Condo Mixed Use Reminder – Initial Loan Estimate
67	10/28/2020	CMG Credit Policy and Guideline Updates	Hurricane Zeta Disaster Update – Suspension - Louisiana and Mississippi Reminder - VVOE Timeliness Update & GSE COVID-19 Flexibilities Extended Reminder – FHA Updates New Construction Requirements TPO Fraud Alert
66	10/23/2020	CMG Credit Policy and Guideline Updates	VVOE Timeliness Update & GSE Covid-19 Flexibilities Extended
65	10/22/2020	CMG Credit Policy and Guideline Updates	FHA Updates New Construction Requirements
64	10/20/2020	CMG Credit Policy and Guideline Updates	Disaster List Updates – California and Louisiana Choosing LPMI Product vs EPMI or Imagin Freddie Mac Updates Bulletin 2020-38 Reminder - Adverse Market Refinance Fee Update & CMG Cut Off Dates
63	10/15/2020	CMG Credit Policy and Guideline Updates	Disaster List Update – Louisiana Parishes Disaster List Update – Mississippi Counties FHA Temporary Waiver of Requirements for “Interior” Photographs in PDMDAS Reminder – Seller Contributions USDA Lapse in Funding Reminder All In One Reminder Reminder - Adverse Market Refinance Fee Update & CMG Cut Off Dates
62	10/08/2020	CMG Credit Policy and Guideline Updates	Hurricane Delta Suspension – Louisiana Parishes
61	10/06/2020	CMG Credit Policy and Guideline Updates	FHA Disputed Derogatory Credit Reminders Reminder - Adverse Market Refinance Fee Update & CMG Cut Off Dates COVID-19 FAQ of the Week
60	09/29/2020	CMG Credit Policy and Guideline Updates	Adverse Market Refinance Fee Update & CMG Cut Off Dates Disaster List Updates GSE’s Extend Temporary COVID-19 Flexibilities
59	09/25/2020	CMG Credit Policy and Guideline Updates	CORRECTION: AMC Fee Update - ARIVS
58	09/22/2020	CMG Credit Policy and Guideline Updates	AMC Fee Update - ARIVS Reminder – Adverse Market Refinance Fee Update
57	09/18/2020	CMG Credit Policy and Guideline Updates	Disaster Updates–MS, AL, FL, WA USDA COVID-19 FAQ’s Updated USDA Annual Lapse in Funding and “Subject To” Conditional Commitments All InOne Clarification –Free & Clear Properties
56	09/16/2020	CMG Credit Policy and Guideline Updates	Oregon Disaster List Update Hurricane Sally Disaster List Updates – Multiple States
55	09/15/2020	CMG Credit Policy and Guideline Updates	Hurricane Sally Suspensions & Other Disaster List Updates
54	09/15/2020	CMG Credit Policy and Guideline Updates	FHA Underwriting Guidelines for Borrowers with Previous Mortgage Payment Forbearance Derogatory Credit Matrix Update Premier 6200 Series and Expanded 6600 Series Update LIBOR ARM Product Retirement Adverse Market Refinance Fee Update
53	09/10/2020	CMG Credit Policy and Guideline Updates	Disaster List Update – Louisiana, Oregon, Washington
52	09/09/2020	CMG Credit Policy and Guideline Updates	Iowa – Disaster List Update Louisiana – Disaster List Update Disaster Policy Clarifications COVID-19 Temporary Closure of County Recorder’s Office – Can We Close? Conventional Conforming Flexibility for Medical Professionals Retired Q&A - CD Due Dates for Month End COVID-19 Reminder of the Week: Flexibilities Extended
51	08/31/2020	CMG Credit Policy and Guideline Updates	Fannie Mae & Freddie Mac Extend COVID-19 Related Flexibilities Hurricane Laura – Update to Disaster Area 8/31 Post-Disaster Programs for Impacted Borrowers VA IRRRL Recoupment
50	08/27/2020	CMG Credit Policy and Guideline Updates	Hurricane Laura – Update to Disaster Area
49	08/26/2020	CMG Credit Policy and Guideline Updates	Hurricane Laura – Texas & Louisiana
48	08/25/2020	CMG Credit Policy and Guideline Updates	Disaster List – Counties Added FEMA Individual Assistance – California and Iowa
47	08/24/2020	CMG Credit Policy and Guideline Updates	Premier 6200 and Expanded 6600 QM Jumbo Products Return! Reminder - All In One #801-WAB Disaster Policy – Tropical Storms and Fires Reminder - Incomplete 1003’s Delay Submit to Underwriting COVID-19 Related Reminder of the Week: Co-signed Debt & Impact of “Skipped” Payments
46	08/18/2020	CMG Credit Policy and Guideline Updates	All In One #801-WAB CLEAR Reminder – Submissions and Conditions Drop Down Menus Caution! FBI Anticipates Rise in Business Email Compromise Schemes Related to the COVID-19 Pandemic COVID-19 Related Reminder of the Week: PPP Loan Q&A
45	08/12/2020	CMG Credit Policy and Guideline Updates	Condo with Appraisal Waiver Reminder Understanding FHA Disrupted Derogatory Credit Guidelines CLEAR Reminder – Submissions and Conditions Drop Down Menus COVID-19 Related Reminder of the Week: VA IRRRL Skipped Payments More Than 30 Days Past Due
44	08/04/2020	CMG Credit Policy and Guideline Updates	Reminder – FHA Rental Income & Self-Employed Income All In One Tax Transcript Update All In One: Rate/Term Reminder – Limit on Available Equity at Closing AMC Fee Update – Integrity – Texas Impact of Tropical Storm Isaias
43	07/29/2020	CMG Credit Policy and Guideline Updates	FHA Update with Revised Effective Date: Rental Income & Self Employed Income Temporary Requirements Reminder: FHA and Debts in Forbearance Reminder: Conventional Conforming (Fannie/Freddie) Non-Mortgage Debt in Forbearance
42	07/28/2020	CMG Credit Policy and Guideline Updates	Update: FHA and Debts in Forbearance Update: Conventional Conforming (Fannie/Freddie) Non-Mortgage Debt in Forbearance All In One #801 WAB Updates VA IRRRL & COE Requirement Clarification FHA Condo SUA Reminder
41	07/21/2020	CMG Credit Policy and Guideline Updates	Clarification: Conventional Conforming Non-Mortgage Debt in Forbearance Including Student Loans GSEs extend COVID-19 Temporary Guidance July 15th Continued Reminder – Tax Return Deadline Flood Notice Reminder / Q&A
40	07/14/2020	CMG Credit Policy and Guideline Updates	Elite Jumbo 700 Series Updates & Pricing Returns USDA FAQ Borrowers in Forbearance July 15th Reminder – Tax Returns and Tax Transcripts Reminder - FHA New Construction Disaster List Update - Michigan & Utah
39	07/07/2020	CMG Credit Policy and Guideline Updates	Update: FHA Transactions & Debt in Forbearance
38	07/07/2020	CMG Credit Policy and Guideline Updates	Update: FHA Transactions & Debt in Forbearance Reminder – FHA Case Numbers Reminder - AIO Loan Changes to Rate Lock Policy and Closing Procedure
37	07/02/2020	CMG Credit Policy and Guideline Updates	VA Publishes Circular Addressing Borrowers in Forbearance GSEs (Fannie & Freddie) Address COVID-19 & Variable Income Consumer Scores, Mortgage Scores, Credit Resources & More FHA Extends Temporary COVID-19 Requirements USDA Extension of Temporary Exceptions in Relation to COVID-19 Pandemic and Updated FAQs Compliance: CD Due Dates for Month End - July
36	06/24/2020	CMG Credit Policy and Guideline Updates	Important Turn Time Information and TBD Submission Suspension GSEs Extend Application Dates for COVID-19 Temporary Flexibilities Home Possible Mortgage 2020 AMI Limits Announced AIO Loan – Changes to Rate Lock Policy and Closing Procedure Verbal Verification of Employment (VVOE) 7 days (vs 5 days) Compliance Holiday Q&A – July 3rd
35	06/16/2020	CMG Credit Policy and Guideline Updates	Important Notice – Missing Documents at Registration Reminder – Complete Loan Submissions New Tool: Solar Panels & Understanding Financing Mechanisms FAQ – Fannie/Freddie Asset Documentation HomeReady Income Limits Changing June 20th Continued Reminder: Forbearance – FHA & VA LoanBeam – Profit & Loss Functionality Freddie Mac, Loan Beam & AIM Reminder – Transfer LE Requirements
34	06/09/2020	CMG Credit Policy and Guideline Updates	Expectations & Additional Documentation Due to COVID-19 Forbearance – FHA & VA New GSE COVID-19 FAQs Home Ready Max LTV for Fannie Owned Refinances All In One Submission Requirements for Select Partners Transfer LE Requirements Issue Resolved – Opening CMG Daily Rate Sheets in Chrome AMC Fee Update - eValuation Zone - Tennessee
33	06/02/2020	CMG Credit Policy and Guideline Updates	Reminder for Self-Employed Borrowers - Fannie Mae & Freddie Mac Issue COVID-19 Requirements VA Pre-Discharge Claim Pending All In One #801 WAB Guideline Update Conventional Conforming Clarification Borrower’s Real Estate Commission AMC Fee Update - ARIVS
32	05/29/2020	CMG Credit Policy and Guideline Updates	Issue Opening Rate Sheets in Chrome Self-Employed Borrowers - Fannie Mae & Freddie Mac Issue COVID-19 Requirements
31	05/26/2020	CMG Credit Policy and Guideline Updates	VA Purchase Loan Disclosures In CLEAR Reminder of the Critical Details of GSE Refinance and Home Purchase Eligibility for Borrowers in Forbearance Reminder – Borrowers Returning to Work Reminders – Appraisal Flexibilities
30	05/21/2020	CMG Credit Policy and Guideline Updates	Disaster List Update - Michigan
29	05/19/2020	CMG Credit Policy and Guideline Updates	The Critical Details - GSE Refinance and Home Purchase Eligibility for Borrowers in Forbearance
28	05/19/2020	CMG Credit Policy and Guideline Updates	GSE Refinance and Home Purchase Eligibility for Borrowers in Forebearance VA Updates to Valuation Practices During COVID-19 Critical Reminders – Appraisal Flexibilities FHA COVID-19 Extensions Escrow Holdback / Renovation Department Top Ten Reminders Reminder - FHA Payoffs AMC Fee Update - Nadlan
27	05/14/2020	CMG Credit Policy and Guideline Updates	Disaster List Update – South Carolina
26	05/12/2020	CMG Credit Policy and Guideline Updates	Disaster List Update – Mississippi
25	05/12/2020	CMG Credit Policy and Guideline Updates	Reminder - Select Partner VA IRRRL Loan Comparison Requirements Loan Packages Previously Submitted to Other Lenders Required Broker Disclosures Fannie Mae & Freddie Mac COVID-19 Updates Compliance Reminder & May CD Due Dates for Month End USDA Income Limits and Handbook Updates
24	05/05/2020	CMG Credit Policy and Guideline Updates	Continued Reminder: Impact of Mortgage in Forbearance or Deferment Appraisal Flexibilities Key Reminders VA & Secondary Financing TBD Submission Suspense – Now Lifted Disaster List Update - South Carolina
23	04/29/2020	CMG Credit Policy and Guideline Updates	Disaster List Update – Tennessee Reminder – Age of Income and Assets Documentation
22	04/28/2020	CMG Credit Policy and Guideline Updates	Income & Employment Stability As Local Governments Authorize Businesses to Open Impact of Mortgage and Non-Mortgage Debt in Forbearance or Deferment Freddie Mac Revises Upcoming Income Requirements for Fluctuating Income Freddie Mac LPA Messaging Updates for COVID-19 CMG’s Loss Payee Clause AMC Fee Updates Reminder - Application Date Needs to be in Compliance at Loan Creation CMG Purchase of LIBOR ARMs for Docs Drawn by Select Partners Reminder - FHA Case Numbers
21	04/21/2020	CMG Credit Policy and Guideline Updates	Fannie Mae & Freddie Mac Updates Reminder - FHA Acceptable Flood Insurance Policies AMC Fee Update - ARIVS Reminder - Tax Transcript Delays Disaster List Update for Mississippi
20	04/14/2020	CMG Credit Policy and Guideline Updates	Disaster Updates DU Release Notes High LTV Investment Property Transactions Mortgage Insurance Rates and Quotes All In One 801 NPB Guideline Updates VA Updates Guidance for Valuation Practices During COVID-19
19	04/07/2020	CMG Credit Policy and Guideline Updates	The Work Number (TWN) VVOE Clarification & Other COVID-19 Related Updates & FAQ Condo Desk Reminders & FAQ Reminder - Top 5 Missing Items in New Loan Submissions That Are Required to Move to Underwriting
18	04/01/2020	CMG Credit Policy and Guideline Updates	Verbal Verification of Employment (VVOE) Clarifications GSE Investor Designation Clarification for Appraisal Flexibility Fannie Mae & Freddie Mac Additional Credit Underwriting Guidance Related to COVID-19
17	03/31/2020	CMG Credit Policy and Guideline Updates	Employment Certification FHA Re-verification of Employment Flexibilities Due to Impact by COVID-19 FHA Exterior-Only and Desktop-Only Appraisal Scope of Work Options Due to Impact by COVID-19 Verbal Verification of Employment Tax Transcript Delays Appraisal Flow: Conventional Conforming VA Issues Lender Guidance for Borrowers Affected by COVID-19: Circular 26-20-10 VA Issues Valuation Practices during COVID-19: Circular 26-20-11 USDA Issues Temporary Exceptions to Interior Inspection Appraisals and Verbal Verification of Employment in Relations to COVID-19
16	03/24/2020	CMG Credit Policy and Guideline Updates	Fannie Mae & Freddie Mac Temporary Guidance Related to COVID-19 Key Fannie Mae FAQ for Employment & Income Verification Freddie Mac Bulletin 2020-05 Fannie Mae Lender Letters & FAQ Freddie Mac Temporary Appraisal Flexibility Fannie Mae Temporary Appraisal Flexibility Additional Loan Programs Impacted: Non-Agency Temporary Program Suspensions Income – Stability & Continuance of Income Expectations – AIO Investor Exceptions Title Insurance – “GAP” Coverage Required Tax Filing / Payment Deadline Extension RHS (USDA) Announces Revisions to Handbook 1-3555 – Effective Immediately The All In One Loan™ #801-WAB & #801-WAB-3FIX Pricing Changes Conventional Conforming LPMI Rate Sheet Changes
15	03/20/2020	CMG Credit Policy and Guideline Updates	Flex 6400 Series Program Changes Effective Immediately
14	03/20/2020	CMG Credit Policy and Guideline Updates	Non-Agency Temporary Program Suspensions FHA Response Surrounding COVID-19 VA – Special Relief for Those Potentially Impacted by COVID-19 USDA – Single Family Housing Guaranteed Loan Program Continuity of Operations Appraisals Title Coverage – Gap Insurance & CPL Reminder Servicing – Borrowers Need to Contact Their Server MBA Industry Resources
13	03/18/2020	CMG Credit Policy and Guideline Updates	County Recording Office Closures Important Reminder: 4506-T Transcript Ordering Procedure Now Live AIO Multiple Guideline Updates April 15th Tax Day Reminder Updates to NY Guideline Addendum for CEMA Reminder: CMG’s Early Pay-off Policy
12	03/10/2020	CMG Credit Policy and Guideline Updates	Reminder - Turn Times & TBD Loan Submission Suspension Best Practice Reminders Reminder - Tennessee Disaster Update: FEMA Declares Disaster for Individual Counties Freddie Mac / LPA Updates Refi Season – Condo Approvals Made Easy! The All In One Loan™ Post Closing Reminder
11	03/06/2020	CMG Credit Policy and Guideline Updates	Tennessee Disaster Update - FEMA Declares Disaster for Individual Counties
10	03/06/2020	CMG Credit Policy and Guideline Updates	Tennessee Tornadoes - Disaster Policy Reminder
09	03/03/2020	CMG Credit Policy and Guideline Updates	Rate Renegotiations - Roll Down Important: 4506-T Transcript Ordering Procedure Changing Reminder: Non-Credit Qualifying FHA Streamlines and VA IRRRL’s DU Loans with Agency Paid Mortgage Insurance (EPMI) Update Prime Jumbo 6800 Series Update
08	02/25/2020	CMG Credit Policy and Guideline Updates	Retirement of CMG’s VA IRRRL QM Policy Underwriting Reminder – FHA Gift Funds
07	02/12/2020	CMG Credit Policy and Guideline Updates	eValuation Zone - Montana Fees Added
06	02/11/2020	CMG Credit Policy and Guideline Updates	2020 Transition of LIBOR ARM to SOFR ARM Suspension of Rate Lock Commitments LIBOR ARMs - Premier & Expanded Jumbo All In One Post Closing Reminders
05	02/05/2020	CMG Credit Policy and Guideline Updates	Updated Fraud Alert – Fifteen More Fictitious Employers in California USDA Handbook 3555.1 Updates FHA Credit Denial and MCR Requirements
04	01/28/2020	CMG Credit Policy and Guideline Updates	Release of Fannie Mae’s HomeStyle Energy Reorganization Update from USDA Disclosure Retirement – Notice About Appraisal of Your Property Reminder: The Work Number Manual Feature for VOE not Eligible Reminder: Transferred LE’s
03	01/14/2020	CMG Credit Policy and Guideline Updates	Jumbo Non-Agency Guideline Updates - Multiple Programs Flex Jumbo 6400 Series Updates Homebuyer Education/Counseling Reminder Solar Subordination Agreements
02	01/10/2020	CMG Credit Policy and Guideline Updates	Revised: AIO Initial Disclosure Requirements for 801-Prime
01	01/07/2020	CMG Credit Policy and Guideline Updates	AIO Initial Disclosure Requirements for 801-Prime LLPA Changes for Non-Agency New 2020 VA Max Loan Amount Worksheets Posted & VA Circular 26-19-33 VA's Assisted Appraisal Processing Program - AAPP