Single-Family Seller/Servicer Memorandums

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Single-Family Seller/Servicer Memorandums - 2026

Memo 26-01

When a borrower is departing a multi-unit property, positive rental income may be considered; see the full guide for details. When a borrower is departing a single-family principal residence, the rental income is still capped at the PITI.
The Quality Review Checklists have been updated. Lenders must use these forms immediately.

Prior Years

2025 Summary
2024 Summary
2023 Summary
2022 Summary
2021 Summary
2020 Summary
2019 Summary
2018 Summary
2017 Summary
2016 Summary
2015 Summary

Loans to Sponsor

2020
2003