Radian underwriting changes: summaries and effective dates

Applies to: Radian-insured loans to borrowers employed by the federal government or whose employment is directly impacted by the government shutdown.

What to review: Review the guidance on Radian-insured loans to borrowers employed by the federal government or directly affected by the shutdown. It expects lenders to follow GSE selling policies for documentation and verifications, and servicers to follow the GSE loss mitigation waterfall, including evaluating for forbearance. The record lists no mandatory changes and no effective date. AWACS interpretation

Applies to: Radian MI rate quotes and applications for 1- to 4-unit properties under One Underwrite (AUS) guidelines received on or after December 9, 2024.

What to review: No change is mandatory. Start by reviewing that, for Radian MI rate quotes and applications received on or after December 9, 2024 for 1- to 4-unit properties under One Underwrite (AUS) guidelines, the system now reflects the higher 2025 conforming and high-cost loan limits, which lets the lender offer larger loan amounts. AWACS interpretation