AWACSMortgage compliance intelligence from Flightline

Briefings

Weekly briefing, February 9, 2026

Updates published to for Conventional, FHA, USDA. Built from published records only.

Action required, new this week

Required changes published this week.

No new required changes this week.

Coming into effect in the next 60 days

Effective dates from .

Home Possible VLIP Mortgages $2,500 Credit Extended Through February 28, 2027
Freddie Mac, Home Possible VLIP Mortgages Credit extension. In 20 days.

Review recommended

New guidance, clarifications, flexibilities, overlays and insurer positions.

Fannie Mae, Selling Guide Announcement SEL-2026-01,
Review recommended

Selling Guide updates: MH Advantage/CHOICEHome alignment, acceptable gift donors, credit score clarifications

Loan impactConventionalGiftsScoreManufacturedUnderwritingSecondary

Applies to: Fannie Mae loans involving MH Advantage or CHOICEHome manufactured homes with application dates on or after June 4, 2026, and loans using gift funds.

What to review: No change is marked mandatory, so first review the revised acceptable gift donor definition in B3-4.3-04, which is effective immediately. Then review the MH Advantage and CHOICEHome alignment in B4-1.4-01, which lenders participating in the broad production of UAD 3.6 or legacy 2.6 may apply to manufactured home loans with application dates on or after June 4, 2026. AWACS interpretation

Effective Jun 4, 2026, by application date; other items nowView affected requirements →

Threads that moved

Topics more than one source has acted on, with a new update this week.

  • UAD 3.6 appraisal dataset: GSE mandate dates, temporary UAD 2.6 exceptions and mortgage insurer acceptance
    Fannie MaeAnnounced Selling Guide updates on MH Advantage/CHOICEHome alignment, gift donors and credit score clarifications; the summary and effective dates given contain nothing specific to UAD 3.6.
    Fannie MaeHighest and best use requirements for UAD 3.6 appraisals apply immediately, alongside rental income restructuring for applications on or after Dec. 1, 2026 and NACLI expansion.
    National MINational MI will accept the new UAD 3.6 appraisal forms and defers to the GSEs on appraisal review requirements, with a May 3, 2027 date listed for the GSE retirement of UAD 2.6 and existing forms.

Enforcement this week

Regulator actions against lenders and servicers published this week. Shown whatever your coverage.

Data releases

Data releases and announcements with no direct requirement.

No data releases this week.