| HUD Handbook 4000.1, Appendix 1.0 – Mortgage Insurance Premiums (03/20/2023) | FHA upfront premium (1.75%) and annual MIP table | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.5 (manual underwriting ratios and compensating factors) | FHA manual ratio tiers; minimal payment increase factor | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.4 (TOTAL Mortgage Scorecard) | FHA automated underwriting and manual-underwrite referral | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.4 (liabilities: student loans) | FHA student loan payment rule | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.2 (Adjusted Value) | FHA value used for LTV | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4 (interested party contributions) | FHA 6% seller contribution limit | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.8 (Section 251 adjustable rate mortgages) | FHA ARM caps and indexes | Nov 10, 2026 |
| VA: “VA funding fee and loan closing costs” (page updated Oct 5, 2026) | VA funding fee table, exemptions, refunds, seller concessions | Nov 10, 2026 |
| VA: “VA home loan limits” (page updated Aug 12, 2025) | VA entitlement and loan limits | Nov 9, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4, Topic 10.b Debt-to-Income Ratio (KnowVA article 554400000330850, updated Aug 26, 2026) | VA 41% DTI guide, secondary to residual income; 20% residual-income exception | Nov 9, 2026 |
| 38 CFR 36.4340 (VA underwriting standards), paragraphs (c), (d), (f)(4), (f)(5), and (g)(9) (eCFR, up to date as of Nov 6, 2026) | VA DTI and residual-income standards; support income and support obligations in VA regulation | Nov 9, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4, Topic 5 Debts and Obligations: student loans (KnowVA article 554400000330850, updated Aug 26, 2026) | VA student loan payment rule | Nov 9, 2026 |
| USDA Rural Development: “Fiscal Year 2027 Conditional Commitment Notice” (Sep 16, 2026) | USDA upfront (1.00%) and annual (0.35%) fees for FY2027 | Nov 9, 2026 |
| USDA Rural Development: “Annual Fee Calculation” (method sheet) | How USDA computes the annual fee (average scheduled balance) | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 11 (rev 11-25-25), sections 11.2–11.3 | USDA 29%/41% ratios, ratio waivers, student loans, payment-increase factor | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 9 (rev 08-05-25), sections 9.2, 9.3, 9.7 | USDA eligibility tool; household vs repayment income | Nov 9, 2026 |
| USDA Income and Property Eligibility site | Official USDA eligibility lookup | Nov 9, 2026 |
| Fannie Mae Selling Guide B3-6-02, Debt-to-Income Ratios (04/02/2025) | Fannie Mae 36%/45% manual and 50% DU maximums | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-6-05, Monthly Debt Obligations (08/05/2026) | Fannie Mae student loan payment rule | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.1-02, Interested Party Contributions (IPCs) (05/07/2025) | Fannie Mae 3/6/9/2% contribution limits | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-6-04, Qualifying Payment Requirements | Rate Fannie Mae uses to calculate DTI on ARMs | Nov 10, 2026 |
| Fannie Mae Selling Guide B2-1.2-01, Loan-to-Value (LTV) Ratios | Lower of sales price or current appraised value for purchases | Nov 10, 2026 |
| CFPB: “When can I remove private mortgage insurance (PMI) from my loan?” (Ask CFPB #202) | PMI removal at 80% (request) and 78% (automatic) | Nov 9, 2026 |
| FHFA: “FHFA Announces Conforming Loan Limit Values for 2026” (Nov 25, 2025) | 2026 conforming loan limits | Nov 9, 2026 |
| 12 CFR 1024.17 (Regulation X, escrow accounts) | Escrow cushion, shortages, surpluses, new-construction estimates | Nov 10, 2026 |
| 12 CFR 1026.19 (Regulation Z, Closing Disclosure timing) | Closing Disclosure received 3 business days before consummation | Nov 10, 2026 |
| Texas Tax Code §11.131 (100% disabled veteran homestead) | Texas total homestead exemption for 100% disabled veterans | Nov 10, 2026 |
| Texas Tax Code §11.13(b), (c) (residence homestead) | Texas school-district homestead exemption amounts | Nov 10, 2026 |
| U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: tables B25103 (median real estate taxes paid), B25097 (median value by mortgage status), and B25077 (median value), county level | County property-tax rate estimate for the ZIP lookup (median taxes ÷ median value) | Nov 9, 2026 |
| U.S. Census Bureau, 2020 ZCTA5-to-county relationship file (Connecticut: 2022 county subdivision-to-ZCTA5 file for planning regions) | Matching a ZIP code to its county or counties (by land area) | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.4.c.xii(B) Alimony, Child Support, and Maintenance Income, and II.A.4.c.xii(P) Nontaxable Income (Grossing Up) | FHA documentation, receipt history, continuance, and gross-up for support received | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.4.b.iv(E) Alimony, Child Support, and Maintenance | FHA treatment of support paid | Nov 9, 2026 |
| Fannie Mae Selling Guide B3-3.4-02, Alimony, Child Support, Equalization Payments, or Separate Maintenance (10/07/2026) | Fannie Mae documentation, history, and continuance for support received | Nov 9, 2026 |
| Fannie Mae Selling Guide B3-3.1-01, General Income Information (10/07/2026) | Fannie Mae 25% adjustment for nontaxable income; three-year continuance | Nov 9, 2026 |
| Fannie Mae Selling Guide B3-6-05, Monthly Debt Obligations (08/05/2026): Alimony, Child Support, Equalization Payments, and Separate Maintenance Payments | Fannie Mae treatment of support paid; alimony income-reduction option | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 9 (rev 08-05-25), paragraph 9.8 and Attachment 9-A (Child Support; Separate Maintenance/Alimony) | USDA history, continuance, and 25% gross-up for support received | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 11 (rev 11-25-25), paragraph 11.2 B.5, Court Ordered Debts | USDA treatment of court-ordered support paid | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 5305.1, Requirements for all other income (non-employment/non-self-employment), part (b) (effective 08/05/2026) | Freddie Mac support received: history, continuance, monthly amount, gross-up example | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 5401.2, Monthly debt payment-to-income (DTI) ratio (effective 08/05/2026) | Freddie Mac support paid; manual-underwriting DTI guideline and maximum | Nov 9, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4: Topic 2.p (alimony, child support, and maintenance income), Topic 5.b (support obligations), Topic 9 (grossing up nontaxable income) (KnowVA article 554400000330850, updated Aug 26, 2026) | VA rules for support received and support paid | Nov 9, 2026 |
| HUD Handbook 4000.1, II.A.1.b.ii(A)(3) Borrower Minimum Decision Credit Score; II.A.2.a.iv Calculating Maximum Mortgage Amounts on Purchases; II.A.2.b.i–ii Loan-to-Value Limits (last revised 8/12/2026) | FHA credit-score tiers, 3.5% Minimum Required Investment, 96.5% maximum LTV | Nov 9, 2026 |
| Fannie Mae Selling Guide B3-5.1-01, General Requirements for Credit Scores (11/04/2026) | Fannie Mae minimum credit scores (manual 620 fixed / 640 ARM; none for DU) | Nov 9, 2026 |
| Fannie Mae Eligibility Matrix (August 5, 2026), Standard Eligibility Requirements and Note (1) | Fannie Mae maximum LTV (97% / 95%) for principal-residence purchases | Nov 9, 2026 |
| VA: “VA-backed purchase loan” (page last updated Jan 7, 2026) | VA no-down-payment rule | Nov 10, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4, Topic 7.b How to Analyze Credit (KnowVA article 554400000330850, updated Aug 26, 2026) | VA has no minimum credit score requirement | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 10 (rev 08-05-25), paragraph 10.1 and Attachment 10-A (Credit Scores and Validation) | USDA credit-score handling (no handbook minimum; GUS; validated score) | Nov 9, 2026 |
| 7 CFR 3555.103, Maximum loan amount (eCFR, current) | USDA maximum loan (no minimum down payment) | Nov 9, 2026 |
| USDA Handbook HB-1-3555, Chapter 6 (rev 05-05-25), paragraph 6.2 C, Interested Party Concessions | USDA 6% seller-contribution limit | Nov 9, 2026 |
| Florida Statutes §196.031 (2026), Exemption of homesteads, subsection (1)(a)–(b) | Florida homestead exemption amounts | Nov 10, 2026 |
| California Revenue and Taxation Code §218 (amended Stats. 2023, ch. 781) | California homeowners’ exemption ($7,000) | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4203.1, LTV/TLTV/HTLTV ratio requirements (effective 10/07/2026) | Freddie Mac 95% maximum LTV for standard 1-unit primary-residence purchases; value used for LTV on a purchase (lesser of appraised value and purchase price) | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4605.1, HomeOne Mortgage requirements (effective 11/09/2026) | Freddie Mac HomeOne 97% maximum LTV and first-time homebuyer requirement | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4501.7, Home Possible LTV/TLTV/HTLTV ratio requirements (effective 08/03/2026) | Freddie Mac Home Possible maximum LTV (97% fixed / 95% ARM, 1 unit) | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 5203.2(d)(i), Indicator Score for Accept Mortgages (effective 11/04/2026) | Freddie Mac: no minimum Indicator Score for Accept Mortgages | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 5202.1 and Exhibit 25, Mortgages with Risk Class and/or Minimum Indicator Score Requirements (Rev. 10/07/26, effective 11/09/26) | Freddie Mac minimum Indicator Scores for manually underwritten Mortgages | Nov 9, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4501.5, Home Possible credit requirements (effective 11/04/2026) | Freddie Mac Home Possible manual-underwriting Indicator Score (Exhibit 25 Home Possible table) | Nov 9, 2026 |
| 12 CFR 1026.19(e)(1)(iii) and (e)(3) (Regulation Z: Loan Estimate timing and good-faith tolerances) | Loan Estimate within 3 business days of application; zero, 10% aggregate, and good-faith tolerance categories | Nov 10, 2026 |
| 12 CFR 1026.37(f), (g), and (h) (Regulation Z: Loan Estimate closing cost details and cash to close) | Loan Estimate sections A–J, prepaids, initial escrow, lender credits, cash to close | Nov 10, 2026 |
| 12 CFR 1024.17(f) and (i) (Regulation X: escrow shortages, deficiencies, surpluses, and annual escrow statements) | Annual escrow analysis, shortage and deficiency repayment options, surplus refunds, annual statement timing and contents | Nov 9, 2026 |
| CFPB: “Why did my monthly mortgage payment go up or change?” (Ask CFPB #213) | Escrow changes as a reason a payment changes; checking the statement and contacting the servicer | Nov 9, 2026 |
| CFPB: “What should I do if I’m having problems with my escrow or impound account?” (Ask CFPB #2082) | Tax and insurance changes change the payment; information requests and notices of error | Nov 9, 2026 |
| Texas Tax Code §23.01(a) (appraisal as of January 1) | One state example of a fixed valuation date for property tax | Nov 10, 2026 |
| Texas Tax Code §23.23(a)–(c) (limitation on appraised value of residence homestead) | Texas 10% yearly limit on a homestead’s appraised value; when the limit starts and ends | Nov 10, 2026 |
| Texas Tax Code §1.04(7)–(9) (definitions: market value, appraised value, assessed value) | Texas definitions of market, appraised, and assessed value | Nov 10, 2026 |
| Florida Constitution, Article VII, Section 4(d) and (g) (Taxation; assessments) | Florida Save Our Homes limit (lower of 3% or CPI), reassessment at just value after a change of ownership, 10% non-homestead residential limit | Nov 10, 2026 |
| Florida CS/HJR 1-F (2026), enrolled text (Amendment 3), Article VII, Section 4(g)(1) | Florida non-homestead residential limit: 10% before Jan 1, 2027, 5% beginning Jan 1, 2027; Section 4(d) unchanged | Nov 10, 2026 |
| Florida Department of Revenue, Property Tax Oversight Informational Bulletin PTO 26-21, Constitutional Amendment 3 (Nov 5, 2026) | Amendment 3 passed Nov 3, 2026; takes effect Jan 1, 2027 (2027 tax roll); higher non-school homestead exemption; 5% non-homestead limit | Nov 10, 2026 |
| California Constitution, Article XIII A, Sections 1(a) and 2(a)–(b) (Proposition 13) | California 1% limit, reappraisal on purchase, new construction, or change in ownership, 2% yearly inflation limit | Nov 10, 2026 |
| California Revenue and Taxation Code §110.1(a)–(b) (amended Stats. 2017, ch. 80) | California base year value set at purchase, change in ownership, or completed new construction | Nov 10, 2026 |
| California Revenue and Taxation Code §75.10(a) (supplemental roll; amended Stats. 1997, ch. 940) | California reappraisal on the date of a change in ownership or completed new construction (supplemental assessment) | Nov 10, 2026 |
| 12 CFR 1002.14(a) (Regulation B: providing appraisals and other valuations) | Right to a copy of the appraisal; timing; no charge for the copy | Nov 10, 2026 |
| 12 CFR 1026.19(b) (Regulation Z: disclosures for certain variable-rate transactions) | ARM booklet and loan program disclosure at application, including caps and a maximum rate and payment example | Nov 10, 2026 |
| 12 CFR 1026.37(c) and (j), and 1026.38(c) and (n) (Regulation Z: Projected Payments and Adjustable Interest Rate tables) | Where the caps, change dates, and maximum payments appear on the Loan Estimate and Closing Disclosure | Nov 10, 2026 |
| 12 CFR 1026.20(c) and (d) (Regulation Z: ARM rate adjustment notices) | Notice timing before the first and later ARM payment changes | Nov 10, 2026 |
| CFPB: “What are rate caps with an adjustable-rate mortgage (ARM), and how do they work?” (Ask CFPB #1951, last reviewed Jan 14, 2025) | Initial, subsequent, and lifetime caps; asking for the highest possible payment | Nov 10, 2026 |
| CFPB: “Adjustable-Rate Mortgages” booklet (Consumer Handbook on Adjustable-Rate Mortgages, last updated September 2026) | Index plus margin; 5/1 and 5/6m names; caps written as three numbers such as 2/1/5 | Nov 10, 2026 |
| 38 U.S.C. 3707, Adjustable rate mortgages (U.S. Code, 2024 edition) | VA traditional ARM: annual changes, 1-point annual cap, 5-point lifetime cap | Nov 10, 2026 |
| 38 U.S.C. 3707A, Hybrid adjustable rate mortgages (U.S. Code, 2024 edition) | VA hybrid ARM: fixed at least 3 years, then annual changes; caps set by VA | Nov 10, 2026 |
| 38 CFR 36.4312(d) (VA adjustable rate mortgage requirements; last amended 2015) | VA ARM index, annual changes, 1-point and 5-point limits, disclosures | Nov 10, 2026 |
| VA Pamphlet 26-7, Lenders Handbook, Chapter 7, Topic 6, Adjustable-Rate Mortgages (change date Mar 11, 2019; KnowVA article updated Jul 24, 2026) | VA traditional and hybrid ARM caps (1/5; hybrids fixed 5+ years: 2 and 6) | Nov 10, 2026 |
| 7 CFR 3555.104(a)–(b) (USDA guaranteed loan terms) | USDA: rate fixed over the term; adjustable-rate mortgages ineligible | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4401.1, General ARM eligibility requirements (effective 11/05/2025) | Freddie Mac ARM products, index, margin, caps, floor | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4401.2, Underwriting requirements for ARMs (effective 07/02/2025) | Freddie Mac rate used for the ARM payment in the debt-to-income ratio | Nov 10, 2026 |
| CFPB: “What is owner’s title insurance?” (Ask CFPB #164, last reviewed Oct 19, 2023) | Owner’s title policy: what it protects, optional, shopping | Nov 10, 2026 |
| CFPB: “What is lender’s title insurance?” (Ask CFPB #163) | Lender’s title policy: protects the lender, usually required | Nov 10, 2026 |
| CFPB: “What are title service fees?” (Ask CFPB #157) | Title search and other title fees; Loan Estimate sections B, C, and H | Nov 10, 2026 |
| 12 CFR 1026.37(f)(2)–(3) and (g)(4) (Regulation Z: Loan Estimate loan costs and other costs) | “Title —” labels; “(optional)” for separate insurance, warranty, guarantee, or event-coverage products | Nov 10, 2026 |
| 12 CFR 1026.2(a)(24)–(25) (Regulation Z: residential mortgage transaction; security interest) | Mortgage or deed of trust as a security interest in the home | Nov 10, 2026 |
| Texas Tax Code §32.01(a), (d) (tax lien) | Texas property tax lien attaches January 1 | Nov 10, 2026 |
| Florida Statutes §197.122(1) (lien of taxes; 2026) | Florida property taxes as a first lien from January 1 | Nov 10, 2026 |
| California Revenue and Taxation Code §2187 (amended Stats. 2002, ch. 206) | California property tax as a lien | Nov 10, 2026 |
| Florida Statutes §720.3085(1), (2)(b) (homeowners’ association assessments; lien claims; 2026) | Florida HOA assessment lien; new owner jointly liable for unpaid assessments | Nov 10, 2026 |
| California Civil Code §5675(a) (common interest development assessment lien) | California HOA assessment lien after a recorded notice | Nov 10, 2026 |
| Texas Property Code §53.021 (persons entitled to a mechanic’s lien) | Texas mechanic’s and materialman’s liens | Nov 10, 2026 |
| Florida Statutes §713.05 (liens of persons in privity; 2026) | Florida construction lien; claim of lien must be recorded | Nov 10, 2026 |
| California Civil Code §8400 (mechanics lien right) | California mechanics lien right | Nov 10, 2026 |
| HUD/FHA form HUD-92564-CN, “For Your Protection: Get a Home Inspection” (02/09/2023) | FHA: appraisals are not home inspections | Nov 10, 2026 |
| VA Pamphlet 26-7, Lenders Handbook, Chapter 12, Topic 1, Minimum Property Requirement Procedures (change date Feb 27, 2026; KnowVA article updated Aug 12, 2026) | VA Minimum Property Requirements; appraisal is not a home inspection | Nov 10, 2026 |
| Texas Occupations Code §§1102.001(3), 1102.103 (real estate inspectors) | Texas professional inspector license; Texas Real Estate Commission | Nov 10, 2026 |
| Florida Statutes §§468.8311, 468.8314, 468.8319(1)(a) (home inspectors; 2026) | Florida home inspector license from the Department of Business and Professional Regulation | Nov 10, 2026 |
| New York State Department of Taxation and Finance: STAR eligibility | New York STAR credit and exemption; age and income limits | Nov 10, 2026 |
| 53 Pa.C.S. §8583 (exclusion for homestead property) | Pennsylvania local homestead exclusion | Nov 10, 2026 |
| 53 Pa.C.S. §8584(b) (filing deadlines) | Pennsylvania homestead application deadline | Nov 10, 2026 |
| 53 Pa.C.S. §8586(a) (limit on exclusion) | Pennsylvania homestead exclusion limit | Nov 10, 2026 |
| 53 Pa.C.S. §8843 (spot reassessment) | Pennsylvania ban on spot reassessment | Nov 10, 2026 |
| 53 Pa.C.S. §8802 (definitions: “spot reassessment”) | Pennsylvania definition of spot reassessment | Nov 10, 2026 |
| 35 ILCS 200/15-175 (general homestead exemption) | Illinois general homestead exemption; effect of a sale | Nov 10, 2026 |
| Ohio Revised Code §323.152(A)(1) (effective Sep 23, 2026) | Ohio homestead reduction | Nov 10, 2026 |
| Ohio Revised Code §5713.03 (effective Oct 3, 2023) | Ohio: sale price as true value | Nov 10, 2026 |
| Georgia Department of Revenue: Property Tax Homestead Exemptions | Georgia homestead exemptions and county valuation freezes | Nov 10, 2026 |
| N.C. Gen. Stat. §105-277.1 (elderly or disabled exclusion) | North Carolina elderly or disabled exclusion | Nov 10, 2026 |
| N.C. Gen. Stat. §105-286 (time for general reappraisal) | North Carolina reappraisal schedule | Nov 10, 2026 |
| N.C. Gen. Stat. §105-287 (changes in appraised value between reappraisals) | North Carolina value between reappraisals | Nov 10, 2026 |
| Michigan Compiled Laws §211.27a (taxable value; transfer of ownership) | Michigan taxable value cap and reset on transfer | Nov 10, 2026 |
| Michigan Compiled Laws §211.7cc (principal residence exemption) | Michigan principal residence exemption | Nov 10, 2026 |
| Freddie Mac: Primary Mortgage Market Survey® (PMMS®), weekly U.S. averages | 30-year and 15-year fixed-rate national weekly averages in the payment calculator panel | Nov 10, 2026 |
| Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix (effective Sep 30, 2026) | Fannie Mae LLPAs, the waivers for HomeReady and first-time homebuyers at or under the income limits, and LLPA credits | Nov 10, 2026 |
| Fannie Mae HomeReady Mortgage Product Matrix (2026) | HomeReady LLPA waiver, pricing section, and mortgage insurance coverage | Nov 10, 2026 |
| Fannie Mae Selling Guide B7-1-01, Provision of Mortgage Insurance (04/02/2025) | Fannie Mae mortgage insurance above 80% LTV; monthly, annual, single-premium, and split-premium plans | Nov 10, 2026 |
| Fannie Mae Selling Guide B7-1-02, Mortgage Insurance Coverage Requirements (08/07/2019) | Fannie Mae standard and minimum mortgage insurance coverage, including HomeReady | Nov 10, 2026 |
| Fannie Mae Selling Guide B7-1-03, Lender-Purchased Mortgage Insurance (05/27/2010) | Fannie Mae lender-purchased mortgage insurance | Nov 10, 2026 |
| Fannie Mae Selling Guide B7-1-04, Financed Borrower-Purchased Mortgage Insurance (12/15/2021) | Financing single and split premiums into the loan; lender-paid premiums can’t be financed | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Exhibit 19, Credit Fees (effective 11/04/2026, Bulletin 2026-15) | Freddie Mac credit fees, the Credit Fee Caps table, and the fees added on top of the caps | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4701.1, Mortgage insurance requirements (effective 02/04/2026) | Freddie Mac mortgage insurance above 80% LTV | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4701.2, Mortgage insurance premiums (effective 02/04/2026) | Freddie Mac single, split, borrower-paid, lender-paid, and financed premiums | Nov 10, 2026 |
| New York Real Property Tax Law §305, Assessment methods and standard | New York uniform percentage of value (fractional assessment) | Nov 10, 2026 |
| New York Real Property Tax Law §1805, Limitation on increases of assessed value of individual parcels (with §1801(a) and §1802) | Class one 6% / 20% assessment increase limits in special assessing units; additions and improvements excluded | Nov 10, 2026 |
| New York Real Property Tax Law §1801, Definitions | Special assessing unit: population of one million or more | Nov 10, 2026 |
| New York Real Property Tax Law §1802, Classification of real property in a special assessing unit | Class one: one-, two-, and three-family homes | Nov 10, 2026 |
| New York State Department of Taxation and Finance: “How property is assessed” (updated April 20, 2021) | Market value estimated from sales of similar properties, then multiplied by the level of assessment | Nov 10, 2026 |
| New York State Department of Taxation and Finance: “Equalization rates” (updated August 25, 2025) | Equalization rate = total assessed value ÷ total market value of the municipality | Nov 10, 2026 |
| New York State Office of Real Property Tax Services: Opinions of Counsel, Volume 10, SBRPS No. 60 (selective reassessment; page updated January 12, 2018) | Assessors may not selectively reassess only properties recently conveyed or improved | Nov 10, 2026 |
| 12 CFR 1026.19(f)(1)–(2) (Regulation Z: Closing Disclosure timing, receipt, waiver, and corrected disclosures) | Initial and corrected Closing Disclosure timing; the three changes that restart the 3-business-day wait | Nov 10, 2026 |
| Official Interpretation of 12 CFR 1026.19(f)(1)(ii), comments 1 and 2 (Supplement I to Part 1026) | How the 3 business days are counted, with the regulation’s own mailing example | Nov 10, 2026 |
| 12 CFR 1026.2(a)(6) (Regulation Z: definition of “business day”) | Business day for Closing Disclosure timing: every day except Sundays and federal legal public holidays | Nov 10, 2026 |
| 12 CFR 1026.22(a)(2)–(4) (Regulation Z: when a disclosed annual percentage rate is accurate) | Annual percentage rate tolerance (1/8 point regular, 1/4 point irregular) that decides when a new waiting period is required | Nov 10, 2026 |
| 12 CFR 1026.38 (Regulation Z: Closing Disclosure content) | What the Closing Disclosure shows, including Calculating Cash to Close and Loan Calculations | Nov 10, 2026 |
| 12 CFR 1026.37(f)(1)(i) (Regulation Z: points itemized under Origination Charges on the Loan Estimate) | Where discount points appear on the Loan Estimate | Nov 10, 2026 |
| CFPB: “What is a Closing Disclosure?” (Ask CFPB #1983, last reviewed May 2, 2023) | Plain-language description of the Closing Disclosure and the 3-day review window | Nov 10, 2026 |
| CFPB: Closing Disclosure Explainer (page last modified Oct 10, 2023) | CFPB’s checklist for comparing the Closing Disclosure with the Loan Estimate | Nov 10, 2026 |
| CFPB: “How should I use lender credits and points (also called discount points)?” (Ask CFPB #136, last reviewed Oct 19, 2023) | One point equals 1% of the loan amount; points on page 2, Section A; lender credits | Nov 10, 2026 |
| IRS Tax Topic 504, Home mortgage points (page last reviewed or updated Nov 9, 2026) | General tax treatment of points | Nov 10, 2026 |
| IRS Publication 936 (2025), Home Mortgage Interest Deduction: Points | Points deducted in the year paid vs. ratably over the loan | Nov 10, 2026 |
| Freddie Mac Single-Family Seller/Servicer Guide, Section 4204.3, Temporary subsidy buydown plans (effective 04/12/2026) | Freddie Mac temporary subsidy buydown plans: Limited and Extended Buydown terms, eligibility, underwriting, and documentation | Nov 10, 2026 |
| Fannie Mae Selling Guide B2-1.4-04, Temporary Interest Rate Buydowns (08/07/2024) | Temporary buydown terms, eligibility, interested-party limits, and qualifying at the note rate | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.a.iii(A)(1)(c) and II.A.5.d.vii(B)(3) (temporary interest rate buydowns: note rate for qualifying), II.A.6.a.ix (buydown escrow), II.A.8.d.iii and II.A.8.f.vi (not permitted with refinances or Section 251 ARMs) | FHA temporary buydown rules | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.b.iv(A) General Liabilities and Debts and II.A.4.b.iv(Q) Obligations Not Considered Debt (TOTAL) | What FHA counts as a monthly debt and what it does not | Nov 10, 2026 |
| VA Pamphlet 26-7, Lenders Handbook, Chapter 7, Topic 7, Loans Involving Temporary Interest Buydowns (change date Jul 27, 2023; KnowVA article updated Jul 24, 2026) | VA temporary buydown rules, underwriting at the full note payment, and seller concessions | Nov 10, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4: Topic 3.c (other deductions from income), Topic 5.c (analysis of debts and obligations), Topic 9.b (maintenance and utilities) (KnowVA article 554400000330850, updated Aug 26, 2026) | VA’s treatment of debts, child care, and maintenance and utilities | Nov 10, 2026 |
| 12 CFR 1026.37(a)(10) (Regulation Z: the “Product” description, also used on the Closing Disclosure) | What counts as the loan product (Fixed Rate, Adjustable Rate, Step Rate, and listed features) | Nov 10, 2026 |
| 12 CFR 1026.36(c)(1) and (c)(3) (Regulation Z: crediting periodic payments, partial payments, and payoff statements) | Periodic payments credited as of the date received; partial payments in suspense; payoff statement within 7 business days | Nov 10, 2026 |
| 12 CFR 1024.35(a)–(e) (Regulation X: error resolution) | Failing to apply an accepted payment under the loan terms is a covered error; notice of error, acknowledgment, and response deadlines | Nov 10, 2026 |
| 12 CFR 1024.36(a)–(d) (Regulation X: requests for information) | Written requests for information about a mortgage account and the servicer’s response deadlines | Nov 10, 2026 |
| 12 CFR 1026.43(g) (Regulation Z: limits on prepayment penalties) | When a prepayment penalty is allowed, its 3-year limit and 2%/1% caps, and the required alternative offer | Nov 10, 2026 |
| 12 CFR 1026.37(b)(4) (Regulation Z: “Prepayment Penalty” on the Loan Estimate) | Where the Loan Estimate says whether the loan has a prepayment penalty | Nov 10, 2026 |
| 24 CFR 203.22(b) (FHA: prepayment privilege) | FHA mortgages can be prepaid in whole or in part at any time without a prepayment charge | Nov 10, 2026 |
| 38 CFR 36.4311 (VA: prepayment) | VA loans can be prepaid without premium or fee; minimum partial prepayment; when partial prepayments are credited | Nov 10, 2026 |
| 7 CFR 3555.104(b) (USDA guaranteed loan terms: ineligible terms) | USDA: loans requiring prepayment penalties are ineligible | Nov 10, 2026 |
| 12 CFR 1026.23(a), (c), and (f) (Regulation Z: right of rescission) | 3-business-day right to rescind certain refinances of a principal dwelling; no disbursement until it ends; purchase-loan exemption | Nov 10, 2026 |
| Fannie Mae Selling Guide B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns (04/02/2025) | Credit, income, employment, and asset documents no more than four months old on the note date | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-2-01, General Information on DU (04/01/2026) | Desktop Underwriter: first submission before closing; resubmission when data change; new credit report if the old one expired | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.1-02, Tax Return and Transcript Documentation Requirements (06/03/2026) | IRS Form 4506-C: who signs, when, and how transcripts are used | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.1-04, Verbal Verification of Employment (10/07/2026) | Verbal VOE timing: 10 business days for employment income; 120 calendar days for self-employment | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.2-01, Standards for Employment and Income Documentation (03/04/2026) | Paystubs, W-2s, and the written Verification of Employment (Form 1005) | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.4-03, Annuity, Pension, or Retirement Income (10/07/2026) | Documents that verify pension, annuity, and retirement income | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.4-19, Schedule K-1 Income <25% Ownership (10/07/2026) | K-1 income with less than 25% ownership | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.5-01, Underwriting Factors and Documentation for a Self-Employed Borrower (12/13/2023) | Self-employment: 25% ownership, two-year history, tax returns, written cash flow analysis, and trend analysis | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.6-03, Income or Loss Reported on IRS Form 1040, Schedule C (04/01/2009) | Schedule C net profit adjustments: nonrecurring items deducted; depreciation and other items added back | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.6-07, Income or Loss Reported on IRS Form 1065 or IRS Form 1120S, Schedule K-1 (05/07/2025) | K-1 ordinary income, distributions or business liquidity, and guaranteed payments | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.7-02, Analyzing Returns for an S Corporation (02/07/2024) | Business cash flow analysis when ownership is 25% or more | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-3.8-04, Rental Income from Non-Subject Property (09/02/2026) | Documents for rental income from other property: Schedule E and leases | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.2-01, Verification of Deposits and Assets (05/04/2022) | Verification of Deposit (Form 1006) or statements: two months for a purchase, one month for a refinance | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.2-02, Depository Accounts (12/14/2022) | Large deposits (more than 50% of monthly qualifying income) on a purchase must be sourced | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.3-01, Stocks, Stock Options, Bonds, and Mutual Funds (06/30/2015) | Investment account statements and the value lenders use | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.3-03, Retirement Accounts (06/30/2015) | Vested retirement account funds: ownership, vesting, and withdrawal terms | Nov 10, 2026 |
| Fannie Mae Selling Guide B3-4.3-04, Personal Gifts (02/04/2026) | Acceptable donors, the gift letter, and proof of the transfer | Nov 10, 2026 |
| Fannie Mae Form 1084, Cash Flow Analysis (June 2019) | The worksheet lenders use to turn tax-return figures into self-employed qualifying income | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.1.a.i(A)(1) Maximum Age of Mortgage Documents and Appraisal Validity (last revised 8/12/2026) | FHA documents no more than 120 days old at disbursement; 180-day appraisal validity | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.c.ii Employment Related Income (TOTAL) (last revised 8/12/2026) | FHA written and electronic VOE and reverification within 10 days before the note | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.c.x Self-Employment Income (TOTAL), and Appendix 2.0, Analyzing IRS Forms (last revised 8/12/2026) | FHA self-employment: two-year history, tax returns, P&L, 20% decline rule, averaging, and add-backs | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.b.iii(K) Housing Obligations/Mortgage Payment History and II.A.4.b.iv(B)–(C) Undisclosed Debt (TOTAL) (last revised 8/12/2026) | FHA undisclosed debts found during processing, rescoring, and verifying an undisclosed mortgage | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.5.a.iii Housing Obligations/Mortgage Payment History (Manual) and II.A.5.a.iv(B) Undisclosed Debt and Inquiries (Manual) (last revised 8/12/2026) | FHA manual underwriting: 12-month housing history by credit report, VOR, VOM, or canceled checks; explanations for inquiries in the last 90 days | Nov 10, 2026 |
| HUD Handbook 4000.1, II.A.4.d.iii Sources of Funds (TOTAL): Checking and Savings Accounts; Gifts (Personal and Equity) (last revised 8/12/2026) | FHA VOD or statements, deposits over 50% of monthly income, gift letter and transfer | Nov 10, 2026 |
| VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4: Topic 2 (employment and self-employment income), Topic 4 (assets and gifts), Topic 7 (credit history), Topic 8 (AUS documentation tables) (KnowVA article 554400000330850, updated Aug 26, 2026) | VA documents, age limits, self-employment, assets, gift letters, rental history, and AUS documentation | Nov 10, 2026 |
| VA: “How to request a VA home loan Certificate of Eligibility (COE)” (page last updated Sep 22, 2026) | What veterans and service members need to request a COE (DD214 or statement of service) | Nov 10, 2026 |
| USDA Handbook HB-1-3555, Chapter 9 (rev 08-05-25), paragraph 9.3 and Attachment 9-A (income documentation, assets, and gifts) | USDA paystubs, W-2s, VVOE within 10 business days, self-employment, IRS transcripts, 120-day document age, assets, deposits, and gift letters | Nov 10, 2026 |
| USDA Handbook HB-1-3555, Chapter 10 (rev 08-05-25), paragraph 10.2 and Attachment 10-A (credit report age, inquiries, undisclosed debts, rent history) | USDA credit report age, inquiries in the last 90 days, new debts after the Conditional Commitment, and rent history | Nov 10, 2026 |
| IRS: “Income Verification Express Service for taxpayers” (page last reviewed or updated Apr 19, 2026) | How a lender’s Form 4506-C transcript request works and how you approve or reject it | Nov 10, 2026 |
| IRS: “Definition of adjusted gross income” (page last reviewed or updated Nov 5, 2026) | What adjusted gross income (AGI) is | Nov 10, 2026 |