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

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.

Investor

Fannie Mae

Programs

Conventional

Affected areas

Gifts; Score; ManufacturedGuide Section B2-3-02

Affected documents

Gift letter

Effective

Applications dated on or after Jun 4, 2026

Applicability confidence

Verified: every row above is supported by the source text

Also affected: Sections B2-3-02, E-3-09, E-1-02.

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.

QC implications

• Where a loan involves a manufactured home and has an application date on or after June 4, 2026, check whether the lender chose to apply the aligned MH Advantage or CHOICEHome feature requirements, and that the choice is applied consistently.
• For loans using gift funds, sample files to confirm the donor meets the revised acceptable donor definition in B3-4.3-04, which is effective immediately.
• The nontraditional credit reference wording in B3-5.4-02 is a minor clarification tied to removal of minimum credit score requirements for DU loans, so no new test is needed beyond confirming files follow the current wording.