Required changes published this week.
Applies to: All transactions delivered to the investor that require physical collateral transmittal.
What to review: Review collateral shipping procedures to ensure all physical packages are routed to the U.S. Bank repository in St. Paul, Minnesota beginning November 1, 2026. AWACS interpretation
Applies to: Arc Home Fannie Mae, Freddie Mac and GSE cash-out product loans need UAD 3.6 appraisals from November 2, 2026; all other programs may use either format, and sellers with an accepted GSE exception may temporarily stay on 2.6.
What to review: First, review your Arc Home Fannie Mae, Freddie Mac and GSE cash-out pipeline so those loans have UAD 3.6 appraisals from November 2, 2026; note that Arc Home accepts UAD 3.6 on all loans from October 28, 2026, other programs may use either format until further notice, and sellers with an Arc Home-accepted GSE exception may keep using UAD 2.6 for a limited time. AWACS interpretation
Applies to: VA loans subject to Partial Claim payment remittances.
What to review: Review the mandatory Fedwire payment remittance instructions for the VA Partial Claim Program effective immediately. AWACS interpretation
Applies to: Mortgages serviced under MPF Traditional secured by properties situated in disaster areas.
What to review: Review servicing procedures immediately to ensure prior approval requests and supplemental documentation for disaster-damaged properties adhere to the mandatory submission deadlines. AWACS interpretation
Effective dates from .
New guidance, clarifications, flexibilities, overlays and insurer positions.
Applies to: Conventional mortgages delivered under best efforts commitments.
What to review: Review the revised occupancy fee values and restructured Fannie Mae and Freddie Mac adjustment tables applicable to conventional best efforts commitments beginning November 3, 2026. AWACS interpretation
Applies to: Illinois loan applications delivered to Arc Home by licensed correspondent sellers, covering all property types, second liens and investment or business-purpose loans.
What to review: Compliance should check that its Illinois process enters every covered loan application in the Illinois Anti-Predatory Lending Database within 10 days of application, including second liens and investment or business-purpose loans; this reminder states no new mandatory change, and only entities exempt from Illinois RMLA licensing are exempt from entry. AWACS interpretation
Applies to: Closed-End Second loans on Texas properties that delegated correspondents register on or after October 26, 2026, including Texas 50(a)(6) transactions.
What to review: Nothing here is mandatory, but delegated correspondents may now deliver Arc Home's Closed-End Second product on Texas properties, including Texas 50(a)(6) home equity loans, for loans registered on or after October 26, 2026, so first review whether to offer it and how you will meet Texas 50(a)(6) requirements where they apply. AWACS interpretation
Applies to: Proprietary Jumbo and Non-QM loans committed under best efforts terms on or after October 30, 2026.
What to review: Review the revised pricing grids for Non-QM prepayment penalty price caps and Jumbo occupancy adjustments effective for best efforts commitments on or after October 30, 2026. AWACS interpretation
Applies to: Single Family Housing Guaranteed Loan Program loans on otherwise qualifying properties that contain or will contain income-producing ADUs, or that have design features for a home-based business.
What to review: This rule contains no mandatory changes, so first review the optional relief that starts December 28, 2026: underwriting and appraisal may treat otherwise qualifying properties that contain or will contain one or more ADUs, or that have design features for a home-based business not needing commercial real estate features, as eligible for the guarantee, while still leaving potential ADU income out of income calculations and using the new definitions of ADU and Living Unit. AWACS interpretation
Topics more than one source has acted on, with a new update this week.
Regulator actions against lenders and servicers published this week. Shown whatever your coverage.
Data releases and announcements with no direct requirement.