VA Underwriting Guidelines | Philosophy and Program Description 04.23.2018 9 MiMutual Underwriting Philosophy MiMutual underwrites and purchases all types of residential mortgages. These programs and products can be found in our Product Matrices (located on our website, at www.michiganmutual.com Handbook, VA Pamphlet 26-7. cannot close loans without prior approval underwriting by VA unless granted automatic authority home, condo, townhouse or manufactured home provided it meets certain guidelines: • It is titled as real estate Mortgagees' Handbook, Application through Insurance (Superseded by Handbook 4155.2) 4000.4 Single Family Direct Endorsement Program (Superseded by Handbook 4155.2) 4005.1 Index of Housing Issuances 4010.1 Definitions, Policy Statements and General Rulings 4020.1 Canceled: HUD-FHA Underwriting Analysis 4045.2 Originating & Underwriting. We provide information, training, job aids, and more to assist in originating loans for sale to Fannie Mae. Most Popular Selling Guide Mortgage Products and Options Condo, Co-op and PUD Project Eligibility If you are applying for a VA guaranteed loan, choose a loan officer that has experience with VA loans, and more specifically, VA manual underwriting guidelines. VA Manual Underwriting. There are many reasons why a VA manual underwriting downgrade can happen. 2018 Updated VA Guidelines On Charge Offs And Collections. This Blog On 2018 Updated VA Guidelines On Charge Offs And Collections Was UPDATED On September 15th, 2018. Per VA Guidelines On Charge Offs And Collections, Veteran Borrowers can qualify for VA Home Loans with outstanding Charge Offs And Collections Accounts. HUD 4000.1 FHA Handbook Revised For FHA Loans. FHA Loans with under 2 year seasoning of the discharged date needs to be manual underwriting; This guidelines also applies to VA Loans. and we just go off Automated Underwriting System Findings and just follow HUD 4000.1 FHA Handbook SECTION 1: UNDERWRITING THE PROPERTY [7