Source policy

We prefer primary, official sources and cite them where they belong. Entries marked "placeholder" are not yet verified to a specific effective date and are treated as unverified until confirmed. A "verified" status reflects an editorial source check, not a licensed legal or compliance review — see our editorial standards.

Current source registry

• FHFA — Conservatorship of Fannie Mae and Freddie Mac — FHFA (verified)
• FHFA — Single Security Initiative and Common Securitization Platform (UMBS) — FHFA (verified)
• Freddie Mac — Home Possible — Freddie Mac (verified)
• Selling Guide B3-2-03, Risk Factors Evaluated by DU — Fannie Mae (verified)
• Selling Guide B3-6-02, Debt-to-Income Ratios — Fannie Mae (verified)
• Selling Guide B3-4.1-01, Minimum Reserve Requirements — Fannie Mae (verified)
• Selling Guide B4-1.4-10, Value Acceptance (Appraisal Waivers) — Fannie Mae (verified)
• Selling Guide B4-1.4-11, Value Acceptance + Property Data — Fannie Mae (verified)
• Conforming Loan Limit Values — Federal Housing Finance Agency (FHFA) (verified)
• FHFA Announces Conforming Loan Limit Values for 2026 — Federal Housing Finance Agency (FHFA) (verified)
• Fannie Mae Single-Family Selling Guide — Fannie Mae (needs-recheck)
• Selling Guide B2-1.3-02, Limited Cash-Out Refinance Transactions — Fannie Mae (verified)
• Selling Guide B2-1.3-03, Cash-Out Refinance Transactions — Fannie Mae (verified)
• Fannie Mae Announcement SEL-2026-06 — Selling Guide Updates — Fannie Mae (verified)
• Desktop Underwriter Credit Risk Assessment Updates — Fannie Mae (verified)
• Fannie Mae Announcement SEL-2025-09 — Selling Guide Updates — Fannie Mae (verified)
• Freddie Mac Single-Family Seller/Servicer Guide — Freddie Mac (needs-recheck)
• Freddie Mac Single-Family Seller/Servicer Guide § 5203.2 — Credit assessment with Loan Product Advisor — Freddie Mac (verified)
• Freddie Mac Guide Bulletin 2026-7 — Freddie Mac (verified)
• CFPB — Owning a Home / Mortgages — Consumer Financial Protection Bureau (verified)
• CFPB Regulation Z (12 CFR Part 1026) — Truth in Lending — Consumer Financial Protection Bureau (verified)
• CFPB Regulation B (12 CFR Part 1002) — Equal Credit Opportunity — Consumer Financial Protection Bureau (verified)
• HUD / FHA Single Family Housing — U.S. Department of Housing and Urban Development (needs-recheck)
• VA Home Loans — U.S. Department of Veterans Affairs (needs-recheck)
• Fannie Mae — 2026 Loan Limits — Fannie Mae (verified)
• VA — Purchase Loan Eligibility and Benefits — U.S. Department of Veterans Affairs (verified)
• VA — Home Loan Entitlement and Limits — U.S. Department of Veterans Affairs (verified)
• VA — Funding Fee and Loan Closing Costs — U.S. Department of Veterans Affairs (verified)
• CFPB — What Is Private Mortgage Insurance? — Consumer Financial Protection Bureau (verified)
• CFPB — When Can I Remove PMI? — Consumer Financial Protection Bureau (verified)
• Fannie Mae Servicing Guide B-8.1-04 — Termination of Conventional Mortgage Insurance — Fannie Mae (verified)
• Selling Guide B3-5.1-01 — General Requirements for Credit Scores — Fannie Mae (verified)
• Fannie Mae 97% LTV Options — Fannie Mae (verified)
• Selling Guide B3-3.1-01 — General Income Information — Fannie Mae (verified)
• Selling Guide B2-1.1-01 — Occupancy Types — Fannie Mae (verified)
• Selling Guide B5-6-01 — HomeReady Mortgage Loan and Borrower Eligibility — Fannie Mae (verified)
• Freddie Mac HomeOne — Freddie Mac (verified)
• Freddie Mac Home Possible Fact Sheet — Freddie Mac (verified)
• HUD Handbook 4000.1, August 12, 2026 edition — U.S. Department of Housing and Urban Development (verified)
• HUD Mortgage Insurance Premium Calculation — U.S. Department of Housing and Urban Development (verified)
• NMLS Consumer Access — Conference of State Bank Supervisors (verified)