
FHA Updates Policy for the Implementation of Alternative Credit Scores
FHA issued Mortgagee Letter (ML) 2026-11 updating policy for the implementation of alternative credit scores to formalize the addition of VantageScore 4.0 (V4) and FICO

FHA issued Mortgagee Letter (ML) 2026-11 updating policy for the implementation of alternative credit scores to formalize the addition of VantageScore 4.0 (V4) and FICO

FHA issued FHA Info 2026-23 announcing an optional broad production period for Uniform Appraisal Dataset (UAD) 3.6. FHA’s Electronic Appraisal Delivery (EAD) portal is now

FHA announced an implementation date of January 1, 2027 related to adding VantageScore 4.0 (V4) and FICO Score 10T (10T) as eligible credit score models

FHA published an update to the Single Family Housing Policy Handbook (SF Handbook 4000.1). The update adds new guidance, eliminates outdated guidance, clarifies instructions, includes

FHA issued a waiver regarding well water distance requirements for individual water supply systems. The waiver applies only to existing construction when the property meets

FHA issued a waiver for automatic extensions for foreclosure initiation time frame for Loss Mitigation Option. FHA issued a waiver for the following under FHA

FHA issued a waiver of Nonjudicial Foreclosure of HECMs in Washington State. Specifically, FHA issued the following waiver for HECM only to waive, “Under Appendix

FHA issued Mortgagee Letter 2026-06, increasing the maximum number of draw requests and clarifying draw disbursement procedures for the Limited 203(k) Rehabilitation Mortgage Insurance Program.

FHA issued Mortgagee Letter 2026-07, removing Form HUD-92900-B (Important Notice to Homebuyers) requirement. Per the Mortgagee Letter (ML), FHA formally and permanently removed the requirement

FHA issued Mortgagee Letter 2026-08, clarifying its loss mitigation requirements governing Trial Payment Plans (TPPs) and borrower evaluation for loss mitigation assistance. Per the Mortgagee
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