Tag: Ratios

USDA – Updates to Chapter 10 and Chapter 11

Written by: David Hail, Staff Writer USDA lenders, this is a massive update so heads up.  Our expert breaks down the “New”, “Clarifications” and “Reminders” announced by the agency. Rule Synopsis: The great news is that the revisions to Chapter 10 “Credit Analysis” and Chapter 11 “Ratio Analysis” USDA Rural Development announced were coming in […]

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Freddie Mac Postpones Income Changes Addressed in Bulletin 2019-20 – Postponed to July 2020

Written by: Lloyd Rutherford, Staff Writer It looks like Freddie Mac has received industry feedback that caused them to reconsider the timing of their new income guidelines.  Read through this article for the latest updates about how it may impact your business. Rule Synopsis: Freddie Mac is postponing the income changes they proposed in Bulletin […]

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USDA – Major Revisions to Chapter 11 – Ratio Analysis

Written by: David Hail, Staff Writer The revisions to technical handbook HB-1-3555 Chapter 11, Ratio Analysis, are significant and require your full attention if you are originating these types of loans. Rule Synopsis: USDA Rural Development announced on January 29, 2020 that they will soon publish a revision to technical handbook HB-1-3555 Chapter 11, Ratio […]

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Freddie Mac – Bulletin 2019-20– Dated October 2, 2019

Written by: Lloyd Rutherford, Staff Writer Wow! Big update from Freddie Mac this month. There are lots of little details so make sure that you read through this update carefully! Rule Synopsis: Freddie Mac is updating their selling guide for a variety of topics. This article will focus on the topics that benefit originators. The […]

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