FHA: New minimum credit scores and LTV ratio requirements are effective for case numbers assigned on or after 10/4/10.

For case numbers assigned on/after 10/4/10, FHA will lower its upfront mortgage insurance premium and raise annual premium, except for HECM.

FHLMC: Multiple policies effective concerning Area Median Incomes and determining additional debt obtained from inquiries on credit report.

Final Rule effective on loan originator compensation and steering.

Section 1481(d) of Dodd-Frank Act becomes effective (person may not receive assistance from any mortgage assistance program if they’ve been convicted within last 10 years of felony larceny, theft, fraud, or forgery; money laundering; or tax evasion.)

HUD/FHA: Enhancements to FHA’s refinance program effective for loans with case numbers issued on or after 9/7/10, which are closed on or before 12/31/12.

FNMA: Lenders must apply policies related to undisclosed liabilities from SEL-2010-11 on loan applications dated on or after 12/1/10.

“FHA is returning to its former CLTV limit for case numbers assigned on or after 9/7/10.”

FHLMC: MISMO-based delivery requirements effective for all Mortgages Freddie Mac purchases.

FNMA: HomeSaver Advance option will be retired.