The Fannie Mae Learning Resource Center offers a wide range of materials to help you do business with Fannie Mae. In addition, lenders must apply the age of document and other requirements and guidance in LL-2020-03 for any market-based assets in the trust account required for the transaction. Remaining focused on our mission to provide liquidity to the market. If the Renters Resource Finder confirms that Fannie Mae financed the apartment complex where you live, you may also be eligible for COVID-19-related tenant protections. Contact your property Emergency Rental and Mortgage Assistance Program (ERMA) ERMA can provide rental and mortgage assistance to low-income households who have been impacted by the crisis and may not be eligible for RAFT. In addition to now requiring three business depository account statements, we have updated the language to provide additional clarity by requiring the review of the depository account statements to support the level of business revenue reported in the current YTD profit and loss statement. SUBJECT: SELLING GUIDANCE RELATED TO COVID-19 We continue to work closely with Fannie Mae under the guidance of the FHFA to address the ongoing economic implications and uncertainty related to the coronavirus disease (COVID-19) pandemic and its impacts on Borrowers and ... Age of income and assets documentation For additional information about rental income see B3-3.1-08, Rental Income. Additional analysis must be conducted to determine if any variable income should be used. As a reminder, loans with applications on or after Aug. 1, 2020 are required to comply with the allowable age of federal income tax returns contained in Selling Guide B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns. The loan file must include other supplemental documentation, such as business contracts or additional depository account statements, to support the continuing nature of the amount of self-employment income used to qualify the borrower. Ask Poli is an Artificial Intelligence powered search tool. No. WASHINGTON, DC – May 7, 2020 – Fannie Mae (FNMA/OTCQB) announced it has introduced a Renters Resource Finder to help renters facing financial hardship due to COVID-19 understand the options available to them. Our COVID-19 Response. If a VOE indicates the borrower is actively employed, but borrower discloses they are furloughed, what are the next steps? The income may not be used for qualifying. Homeowners and renters who have been financially impacted by COVID-19 or natural disaster can also download our app to find relief options and resources on the go. 1, 2021. 11, 2020, is the loan eligible for delivery to Fannie Mae? Additional documentation may include, but is not limited to, a year-to-date balance sheet, month-to-month or quarterly trending analysis, and/or additional depository account statements. Fannie Mae’s renter hotline number is 1-877-542-9723 and Freddie Mac’s renter hotline number is 1-800-404-3097. Given the unprecedented and rapid instances of voluntary and mandated business closures, and the concerns over whether employees will continue to be paid, is updated income documentation required prior to closing? Also, note that loans in forbearance due to COVID-19 are not subject to the disaster-related forbearance policies in A2-3.2-02, Enforcement Relief for Breaches of Certain Representations and Warranties Related to Underwriting and Eligibility. We will continue to take immediate action based on our business continuity plans and guidance and risk assessments from the CDC and local health agencies. March 24, 2020. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. We encourage residents whose employment or income are impacted by COVID-19 to seek available assistance as soon as possible," said Malloy Evans, Senior Vice President and Single-Family Chief Credit Officer, Fannie Mae. Income Guidance Related to COVID-19. Continuing to fulfill our mission is our priority. In light of the federal income tax filing deadline extension to Jul. Certain types of temporary leave may be eligible for qualifying. Streamline your refinance process. For loans meeting the 18 month extended timeframe requirements, the age of document requirements apply at the time of original loan closing only. Please refer to Fannie Mae Multifamily Lender Letter 20-05 for guidance as of April 6, 2020. The new mandate date for the use of the redesigned URLA and AUS specifications is Mar. For full details on these temporary flexibilities, read Lender Letter (LL-2020-03) – Impact of COVID-19 on Originations and Lender Letter (LL-2020-04) – Impact of COVID-19 on Appraisals. What are general standards for an audited profit and loss statement? Individual Income Tax Return) filed with the IRS, until the point at which the tax deadline extension has expired. If the trend was declining but has since stabilized and there is no reason to believe that the borrower will not continue to be employed at the current level, the current, lower amount of variable income must be used (i.e., the monthly year to date income amount). Fannie Mae Disaster Response Network . As a DUS lender, you can grant forbearance to a customer with the delegation Fannie Mae … Launch Note: This guidance was updated due to the CARES Act. currently in forbearance or deferment? Employees are working remotely over our stress-tested network, with only mission-critical staff needing to enter our worksites. What options are available if the business depository account statements for the most recent three months do not support the details in the year-to-date profit and loss statement due to the cyclical nature of the business income? If the COVID-19 pandemic has caused job loss, income reduction, sickness, or other issues that impact your ability to pay your home mortgage or rent, relief options are available — find details here and take action now.. If a borrower has a history of renting the subject or another property, generally the rental income will be reported on IRS Form 1040, Schedule E of the borrower’s personal tax returns or on Rental Real Estate Income and Expenses of a Partnership or an S Corporation form (IRS Form 8825) of a business tax return. A borrower who is furloughed or laid off is not considered to be actively employed. Are there acceptable alternatives if a lender is unable to obtain a verbal (VOE)? Airbnb has an initiative with Fannie Mae and four lenders to help hosts refinance their mortgages. If loan proceeds from a PPP are reflected in the business depository accounts, can these funds be used to support the business revenue reported on the year-to-date profit and loss statement? We will be adding more FAQs, therefore we encourage you to check in frequently for updates - refer to the "NEW" or "UPDATED" notations after the question. Lenders should continue to obtain the most recent year’s tax return filed by the borrower as indicated in B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns. A hard refresh will clear the browsers cache for a specific page and force the most recent The lender must continue to use the required level of tax return documentation to calculate self-employment income. For a comprehensive list of resources such as forms, announcements, lender letters, In accordance with Selling Guide, B3-6-05, Monthly Debt Obligations, non-mortgage debts paid by others can be excluded from the borrower’s DTI ratio with documented evidence that the other party has been making the payments for at least 12 months and the payment history indicates there are no delinquencies. This income is not stable, predictable, or likely to continue and therefore does not meet the requirements in Selling Guide B3-3.1-01, General Income Information; Continuity of Income. If the income is derived from a property that is not the subject property, there are no restrictions on the property type. Supporting customers as they manage their pipeline — from hedging to funding loans — to minimize risk in this volatile market. These FAQs provide additional information on the temporary policies. In no instance may income be averaged over the period of declination. Our … The COVID-19 pandemic has had a particularly severe impact on renters, minorities, and lower-income households according to the third quarter National Housing Survey®, as the overall results indicate broad financial and employment repercussions due to the virus. Fannie Mae, along with our lending and servicing partners, is committed to ensuring assistance is available to homeowners in need. Hosts in the U.S. will be able to work with participating lenders to recognize Airbnb home sharing income from their primary residence as part of their mortgage refinancing application. Does the lender need to consider a Paycheck Protection Program (PPP) loan when analyzing a self-employed borrower? Can lenders continue to use capital gains and interest and dividend income for qualifying a borrower? What should the lender do when informed of a change in the borrower’s pay structure? Please visit our COVID-19 Investor Resources page for the latest investor news and information related to COVID-19. Homeowners and renters who have been financially impacted by COVID-19 or natural disaster can also download our app to find relief options and resources on the go. If rental income is not used to qualify the borrower, the requirements of Chapter 5306.1 do not apply. 10-Day Pre-Closing Verification (10-day PCV) A circle with a colored border representing one's progress through a lesson. Lender Letter LL-2020-03 – Impact Covid-19 Originations December 10, 2020 This Lender Letter provides reminders and temporary flexibilities to support mortgage originations. Fannie Mae Provides Assistance to Help Renters Impacted by COVID-19 Stay in Their Apartments. Learn more. Hourly workers are covered under our variable income policy. Center, Apps However, please note that furloughed borrowers are currently ineligible under the temporary leave policy. See B3-3.1-01, General Income Information; Continuity of Income. Yes. Fannie Mae partners with lenders to decrease risk. Visit Selling and Servicing Guide Communications and Forms. The lender can continue to deliver loans with loan application dates prior to Jun. Lenders should also include any information or knowledge of any current issues in their analysis of the borrower’s continuance of income source. Homeowners who lost income due to COVID-19 could get relief, as could renters if their landlords seek assistance. For reduced hours or pay, continue to follow the requirements and guidance in the Selling Guide Chapter B3-3 related to income stability and calculation. These have been separated for easier reference by topic. If your apartment or rental unit is in a multifamily building financed by Fannie Mae, and your employment or income have been affected, we can help you navigate your financial challenges with our Disaster Response Network. Unless the lender has knowledge to the contrary, if the borrower is actively employed, the income does not have a defined expiration date and the applicable history of receipt of the income is documented (per the specific income type), the lender may conclude that the income is stable, predictable, and likely to continue. COVID-19 UPDATE: Find out how Fannie Mae is responding. 15, 2020, if a self-employed borrower has not filed 2019 income tax returns, is an audited Profit and Loss Statement for 2019 required in order to support qualifying income? If rental income is not used to qualify the borrower, the requirements of Chapter 5306.1 do not apply. If, due to continued market volatility, the lender cannot determine the income is stable at its current level, the income should not be used for qualifying purposes. TDHCA CARES Act funding is from the U.S. Department of Health and Human Services (USHHS) and the U.S. Department of Housing and Urban Development (HUD) . the missed payments are resolved by the responsible party (not the borrower) prior to closing of the new mortgage loan; the responsible party had been making payments on the student loan for at least nine months prior to the automatic forbearance; the lender provides borrower documentation evidencing the student loan is in a COVID-related automatic forbearance, and any missed payments have been paid; and. WASHINGTON, DC – Fannie Mae (FNMA/OTCQB) wants to help ensure families who are renting in multifamily properties are able … A circle with a colored border representing one's progress through a lesson. How do the temporary age of document requirements in Lender Letter LL-2020-03 impact single-closing construction-to-permanent transactions? Click below to access COVID-related FAQs, Lender Letters and other resources: Do Fannie Mae’s existing disaster policies in the Selling Guide and the Servicing Guide apply to the COVID-19 pandemic? The DRN offers support from HUD-approved housing counselors, such as a personalized recovery assessment and action plan, financial coaching and budgeting, and ongoing check-ins. Our digital library includes learning modules, videos, frequently asked questions, demos, job aids, guides, and more. The National Low Income Housing Coalition is tracking which properties are covered by the CARES Act moratorium. never self-employed income for Fannie Mae or Freddie Mac? all other Selling Guide requirements have been met (for example, evidence of 12 total payments, either monthly or in aggregate, on the omitted debt). 14, 2020 we announced that we will extend our implementation timeline for the redesigned URLA and automated underwriting systems (AUSs) to support the industry during the COVID-19 pandemic. In response to the COVID-19 national emergency, Fannie Mae and Freddie Mac have provided temporary guidance to lenders on several policy areas that support selling mortgage originations. Therefore, no payments would be expected to be included in the borrower’s liabilities at this time. Lenders must utilize these additional documents along with the standard documentation required in the Selling Guide (B3-3.2-01, Underwriting Factors and Documentation for a Self-Employed Borrower) when calculating the income used to qualify the borrower. The changes are to ensure continued support for borrowers during the COVID-19 national emergency. With mortgage rates near all-time lows, the demand for refinancing remains high despite the COVID-19 pandemic. For mortgage loans that are manually underwritten, lenders must follow Selling Guide B3-5.3-02, Payment History; however, lenders are not required to, and should not, consider payments missed during the time of a COVID-19-related forbearance to be historical delinquencies or derogatory credit. Fannie Mae's Disaster Response Network has published a guide for renters affected by the coronavirus (COVID-19). See B3-3.1-09, Other Sources of Income; Temporary Leave Income. For best results, pose your search like a question. Freddie Mac is open for business and continuing to play our crucial role in the U.S. housing markets. A gap in employment or a reduction in income due to COVID-19 cannot be excluded from the calculation, and the year to date income must continue to be calculated over the entire time period. No. If you are a renter and live in an apartment financed by Fannie Mae, we can help you navigate your financial challenges with the Disaster Response Network. We’re concerned for the health and well-being of our employees, customers, and communities, and we urge everyone to take precautions to protect themselves. This may be less than the year-to-date average represented on the year-to-date profit and loss statement based on the timeframe the business was impacted. Ask Poli. Published December 16, 2020. If the credit report does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, the lender must either calculate a qualifying payment per B3-6-05, Monthly Debt Obligations, or use the most recent income-driven repayment plan payment (with supporting documentation). Lenders must continue to analyze the impact of the pandemic on the business income used in qualifying as outlined in LL 2020-03. These loans are designed to provide a direct incentive for small businesses to keep their workers on the payroll. Please contact your property manager or building owner for more information. Lenders must obtain the additional documentation, such as an audited profit and loss statement, or an unaudited profit and loss statement and three months’ business depository account statements and assess the impact to the business and adjust income accordingly. While two years of tax returns are still required to demonstrate a stable history of capital gains and interest and dividends income, lenders must consider the current value of the underlying asset when evaluating income for qualifying purposes. New Resource is Part of Broader Effort to Help People Remain in Their Homes. The lender is not expected to request additional documentation from the borrower. If Net Rental Income is not entered in VI R, DU will calculate it using the following formula: Gross rental income — 75% = net rental income We are releasing information to our customers as quickly as possible and will update and republish these letters as new guidance becomes available. Is it acceptable to only use year-to-date income to calculate qualifying variable income? Browse our online resources, learn at your own pace, and discover Fannie Mae learning tools. What if the borrower does not have a business depository account but instead uses a personal checking, money market or savings account to manage business finances? This list is not comprehensive and does not include single-family rental homes of 1-4 units and does not include all of the multifamily properties backed with Fannie Mae or Freddie Mac mortgages. Mortgage & Rental Payment Histories-All Transactions (effective 4/29/2020-updated 7/28/2020) AIG is providing overlays to Fannie Mae’s temporary Purchase and Refinance eligibility requirements, announced in LL- 2020-03 and updated 7/9/2020; The lender’s representations and warranties related to the borrower’s employment status do not change. Under the mortgage assistance program, the city will use $6.1 million in federal grants and local funds to finance rent and mortgage payments for low to moderate income residents. For example, as stated in Lender Letter 2020-03, if the YTD P&L identifies a significant imbalance between expenses and revenue that could impact the financial stability of the business, additional documentation such as an updated business plan may be required. For best results, pose your search like a question. version of a page. We are working with and following guidance from the Centers for Disease Control and Prevention (CDC) and local health agencies, and we are actively adhering to our corporate internal business continuity and contingency plans. If you still have Technical Support questions, Lenders can continue to waive business income tax returns when the requirements of the Selling Guide are met. For example, for declining variable income, the requirements and guidance for declining income trends in the B3-3.1-01, General Income Information are applicable. Note: The numbering sequence is from the PDF document that contains all COVID-19 Selling FAQs. feel free to email. If you have additional questions, Fannie Mae customers can visit Ask Poli to get If the lender confirms the business depository account statements support the level of revenue reported in the unaudited profit and loss statement, what is required related to the review of business expenses? These FAQs provide additional information on the temporary policies. LL-2020-03, Impact of COVID -19 on Originations and LL-2020-04, Mortgagee Letter 2020-23, Continued 4 Rental Income In addition to the requirements in SF Handbook 4000.1 Sections II.A.4.c.xii(I) and II.A.5.b.xii(I) Rental Income (TOTAL and Manual) and Section 3.50 through Section 3.55 of the HECM Financial Assessment and Their call center is open 24/7. Refer to Lender Letter LL-2020-03, Impact of COVID-19 on Originations for details. Do the temporary requirements for self-employed income announced in Lender Letter 2020-03 apply to the High Loan-to-Value Refinance Option? If the lender determines that the business has been adversely impacted and the amount of income calculated following standard 1084 methodology must be adjusted, rep and warrant relief does not apply since the lender must make manual adjustments to the output of the tool. Three vertical lines aligned to the left. The lender may find it necessary to obtain additional year(s) of individual and/or business tax returns to support the underwriting decision. Together, our shared commitment increases the level of quality and risk oversight delivering certainty to lenders and Fannie Mae. SUBJECT: SELLING GUIDANCE RELATED TO COVID-19 We continue to work closely with Fannie Mae under the guidance of the FHFA to address the ongoing economic implications and uncertainty related to the coronavirus disease (COVID-19) pandemic and its impacts on Borrowers and ... Age of income and assets documentation Given that many student loans were placed into an automatic forbearance status and the other party may have missed payments due to the forbearance, we will allow exclusion of the monthly student loan payment if: The borrower is self-employed and owns a business that is closed due to the pandemic. Fannie Mae publishes four worksheets that lenders may use to calculate rental income. Does the lender need to consider a Paycheck Protection Program (PPP) loan in the borrower’s DTI? If you have additional questions, Fannie Mae customers can visit Ask Poli to get Having Issues with Seeing this Page Correctly? An SBA PPP or any other similar COVID-19 related loan or grant is not considered a source of business revenue. On Apr. The Multifamily team is here to support our lender customers, property owners, and their residents. 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