Home
Forms & Resources
Underwriting
Bulletins

Bulletins

  • Announcement: UW 2024-05 – National MI is pleased to announce updates to the TrueGuide® and Rescission Relief Guide reflecting the following changes and clarifications.
    Posting Date: 12/20/2024 Effective Date: 12/20/2024
  • Announcement: UW 2024-04 – GSE Conforming and High Balance/Super Conforming loan amount limits, Jumbo and Medical Professional Program loan limit increases, and an increase to the Delegated Authority Limit.
    Posting Date: 12/02/2024 Effective Date: 11/26/2024
  • Announcement: UW 2024-03 – For AUS loans, National MI has temporarily increased the conforming loan amounts
    Posting Date: 09/17/2024 Effective Date: 09/16/2024
  • Announcement: UW 2024-02 – National MI is pleased to announce updates to the TrueGuide® which include the following changes and clarifications.
    Posting Date: 05/30/2024 Effective Date: 05/31/2024
  • Announcement: UW 2024-01 – National MI is pleased to announce updates to the TrueGuide, AUS Loan and Non-AUS Updates, Jumbo and Medical Professional Program loan limit increases.
    Posting Date: 01/24/2024 Effective Date: 01/22/2024

  • Announcement: UW 2023-05 – National MI is pleased to announce its immediate support of the 2024 GSE higher Conforming and High Balance/Super Conforming loan amount limits.
    Posting Date: 11/30/2023 Effective Date: 11/30/2023
  • Announcement: UW, SVC & RR 2023-04 – National MI is pleased to announce the following updates and clarifications for Underwriting and Servicing and Rescission Relief
    Posting Date: 11/14/2023 Effective Date: 11/01/2023 (11/01/2023 for Servicing and Rescission Relief; and 11/18/2023 for Underwriting Updates)
  • National MI Announcement: UW 2023-03 – For AUS loans, National MI has temporarily increased the conforming loan amounts
    Posting Date: 10/05/2023 Effective Date: 10/05/2023
  • National MI Announcement: UW 2023-02 – National MI is pleased to announce updates to the TrueGuide®
    Posting Date: 07/06/2023 Effective Date: 07/10/2023
  • National MI Announcement: UW 2023-01 – National MI is pleased to announce updates to the TrueGuide® and Rescission Relief Guide
    Posting Date: 04/20/2023 Effective Date: 04/21/2023

  • Announcement: UW 2022-07 – National MI announces TrueGuide® underwriting updates for AUS & Non-AUS Loans
    Posting Date: 12/21/2022 Effective Date: 01/03/2023 (Applications dated on or after January 3, 2023 - unless otherwise noted)
  • Announcement: UW 2022-06 – National MI is pleased to announce its immediate support of the higher GSE Conforming and High Balance/Super Conforming loan amount limits
    Posting Date: 11/29/2022 Effective Date: 11/29/2022
  • Announcement: UW 2022-05 – National MI has temporarily increased the conforming loan amounts for AUS loans
    Posting Date: 09/12/2022 Effective Date: 09/07/2022
  • Announcement: UW & Servicing 2022-04 – National MI’s guidelines help lenders work through the challenges associated with loans affected by the Equifax coding issue that occurred between 3/17/2022 – 4/6/2022.
    Posting Date: 08/03/2022 Effective Date: 06/24/2022
  • Announcement: Servicing 2022-03 – National MI updates the foreclosure bidding servicing guidelines for GSE-owned loans; and updates the 3-4 unit loan amount limit for Non-GSE Refinance Certificate Change loans.
    Posting Date: 06/29/2022 Effective Date: 06/30/2022
  • Announcement: UW 2022-02 – National MI supports Freddie Mac’s Asset and Income Modeler (AIM) for Direct Deposit; and National MI to use DTI without mortgage insurance premium for pricing purposes.
    Posting Date: 03/11/2022 Effective Date: 03/02/2022 for Freddie Mac’s AIM for Direct Deposit offering; and 03/12/2022 for National MI’s pricing change
  • Announcement: UW 2022-01 – National MI supports Fannie Mae’s and Freddie Mac’s use a Desktop Appraisal on AUS A/E loans announced by the GSEs on February 2, 2022.
    Posting Date: 02/04/2022 Effective Date: 03/06/2022 for LPA℠ Accept/Eligible loans; and 03/19/2022 for DU® Approve/Eligible loans

  • Announcement: UW & Rescission Relief Guide 2021-07 – National MI announces updates to the TrueGuide® and Rescission Relief Guide
    Posting Date: 12/17/2021 Effective Date: 12/18/2021 (unless otherwise noted)
  • Announcement: UW 2021-06 – National MI announces its immediate support of the higher GSE Conforming and High Balance/Super Conforming loan amount limits
    Posting Date: 12/06/2021 Effective Date: 11/30/2021 (unless otherwise noted)
  • Announcement: UW 2021-05 – National MI has temporarily increased the conforming loan amounts for AUS loans
    Posting Date: 10/07/2021 Effective Date: 10/05/2021 (unless otherwise noted)
  • Announcement: UW 2021-04 – National MI maintains a minimum 620 representative credit score eligibility requirement and supports Fannie Mae’s rent payment history addition to the DU® risk assessment.
    Posting Date: 09/01/2021 Effective Date: 09/18/2021 (unless otherwise noted)
  • Announcement: UW 2021-03 – National MI supports Fannie Mae’s RefiNow™ and Freddie Mac’s Refi Possible℠ programs
    Posting Date: 05/27/2021 Effective Date: 05/05/2021 (unless otherwise noted)
  • Announcement: UW 2021-02 – Update to the TrueGuide® with changes and clarifications
    Posting Date: 05/25/2021 Effective Date: 06/01/2021 (unless otherwise noted)
  • Announcement: UW 2021-01 – Temporary COVID-19 changes for AUS and Non-AUS Loans without any overlays
    Posting Date: 03/22/2021 Effective Date: 03/08/2021 (unless otherwise noted)

  • Announcement: UW 2020-09 – Non-AUS/Manually Underwritten Loans
    Posting Date: 12/30/2020 Effective Date: 01/01/2021 (unless otherwise noted)
  • Announcement: UW 2020-08 – 2021 FHFA Conforming Loan Limits Increase
    Posting Date: 12/03/2020 Effective Date: 11/24/2020 (unless otherwise noted)
  • Announcement: SVC & RR 2020-07 – Rescission Relief Guide and Servicing Guide Updates
    Posting Date: 08/10/2020 Effective Date: 08/17/2020 (unless otherwise noted)
  • Announcement: UW 2020-06 – AUS Loans; AUS and Non-AUS Loans; Non-AUS/Manually Underwritten Loans
    Posting Date: 07/06/2020 Effective Date: 07/10/2020 (unless otherwise noted)
  • Announcement: UW & SVC 2020-05 – National MI’s alignment with announcements issued by Fannie Mae and Freddie Mac in the month of May 2020 and on June 3, 2020 
    Posting Date: 06/04/2020 Effective Date: 03/18/2020 (unless otherwise noted)
  • Announcement: UW & SVC 2020-04 – National MI supports the COVID-19 temporary servicing, underwriting and valuation flexibilities, guideline changes and clarifications announced by Fannie Mae and Freddie Mac
    Posting Date: 04/23/2020 Effective Date: 03/18/2020 (unless otherwise noted)
  • Announcement: UW & SVC 2020-03 – National MI Aligns with GSE Response to COVID-19
    Posting Date: 04/02/2020 Effective Date: 04/14/2020
  • Announcement: UW & SVC 2020-02 – National MI Aligns with GSE Response to COVID-19
    Posting Date: 03/26/2020 Effective Date: 03/23/2020
  • Announcement: UW, SVC & RR 2020-01 – New Master Policy, New Rescission Relief, True Guide Additions and MI Servicing Guide
    Posting Date: 02/28/2020 Effective Date: 03/01/2020
  • Announcement: UW 2019-03 – Non-AUS/Manually Underwritten Loans
    Posting Date: 12/30/2019 Effective Date: 01/01/2020

  • Announcement: UW 2019-02 – 2020 FHFA Conforming Loan Limits Increase
    Posting Date: 12/04/2019 Effective Date: 11/26/2019
  • Announcement: UW 2019-01 – AUS and Non-AUS Loans; Non-AUS/Manually Underwritten Loans
    Posting Date: 08/05/2019 Effective Date: 08/09/2019
  • Announcement: UW 2018-05 – AUS and Non-AUS Loans; Non-AUS/Manually Underwritten Loans
    Posting Date: 12/21/2018 Effective Date: 01/01/2019

  • Announcement: UW 2018-04 – 2019 FHFA Conforming Loan Limits Increase
    Posting Date: 12/05/2018 Effective Date: 11/27/2018
  • Announcement: UW and SVC 2018-03 – AUS and Non-AUS Loans; Refinance Certificate Change Program
    Posting Date: 10/02/2018 Effective Date: 11/01/2018
  • Announcement: UW 2018-02 – AUS and Non-AUS Loans; AUS Eligible Loans; Non-AUS/Manually Underwritten Loans
    Posting Date: 06/22/2018 Effective Date: 07/06/2018
  • Announcement: UW 2018-01 – AUS Eligible Loans / Medical Professionals Program
    Posting Date: 01/23/2018 Effective Date: 03/24/2018

  • Announcement: UW 2017-07 – Higher Conforming High Balance / Super Conforming Loan Amount Limits
    Posting Date: 12/08/2017 Effective Date: 12/21/2017
  • Announcement: UW 2017-06 – Guideline Expansions
    Posting Date: 10/27/2017 Effective Date: 11/06/2017
  • Announcement: RT 2017-05 – BPMI Non-Refundable Single Rate Change
    Posting Date: 09/25/2017 Effective Date: 10/23/2017
  • Announcement: UW and SVC 2017-04 – National MI's Policy on Declared Disasters
    Posting Date: 09/06/2017 Effective Date: 08/25/2017
  • Announcement: RT 2017-03 – BPMI Refundable Single Rate Change
    Posting Date: 08/18/2017 Effective Date: 09/18/2017
  • Announcement: UW 2017-02 – Jumbo Loan Amounts; Medical Professionals Program; AUS Approval Loans; Non-AUS or Manually Underwritten Loans; Guideline Clarifications
    Posting Date: 05/01/2017 Effective Date: 05/15/2017
  • Announcement: RT 2017-01 – Lender-Paid Single Premium Rate Change
    Posting Date: 02/06/2017 Effective Date: 03/06/2017

  • Announcement: UW 2016-09 – Conforming and High Balance Loan Limit Changes; acceptance of Fannie Mae Collateral Underwriter Risk Score of 2.5 or better; Fannie Mae Property Inspection Waiver
    Posting Date: 12/09/2016 Effective Date: 12/10/2016
  • Announcement: UW 2016-08 – Fannie Mae's Desktop Underwriter (DU) Validation Service and Property Inspection Waiver. New Medical Professionals Program. Guideline Changes.
    Posting Date: 11/07/2016 Effective Date: 11/07/2016
  • Announcement: UW 2016-07 – Fannie Mae DU Version 10.0 announcement
    Posting Date: 09/06/2016 Effective Date: 09/24/2016
  • Announcement: UW 2016-06 – Expansion of Guidelines in Conforming Affordable Lending to add high balance eligibility and loan amounts to the affordable matrix, additional Changes and Guideline Clarifications; Fannie Mae HomeReady Changes
    Posting Date: 08/08/2016 Effective Date: 08/22/2016
  • Announcement: RT 2016-05 – National LPMI Monthly and BPMI Single Rate Change; Signature BPMI Monthly Rate Change previously announced now available in Alaska and Hawaii
    Posting Date: 06/06/2016 Effective Date: 06/27/2016
  • Announcement: RT 2016-04 – BPMI Monthly Rate Change for Ohio
    Posting Date: 04/29/2016 Effective Date: 05/23/2016
  • Announcement: RT/UW 2016-03 – BPMI Monthly Rate Change, Expansion of Guidelines in AUS Conforming Investment Property Eligibility to permit rate and term refinances to 85% LTV, Guideline Clarifications
    Posting Date: 03/28/2016 Effective Date: 04/04/2016
  • Announcement: RT 2016-02 – BPMI Monthly Rate Change
    Posting Date: 02/22/2016 Effective Date: 03/07/2016
  • Announcement: IL Bulletin 2016-01 – Illinois Department of Insurance Company Bulletin 2015-13 re: Cancellation, Non-Renewal and Premium Payments on Properties affected by Flooding.
    Posting Date: 01/07/2016 Effective Date: 01/07/2016

  • Announcement: RT/UW: 2015-06 – Rate change to Single Premium Lender-Paid (LPMI) for applications received on or after 1/1/16.  Expanded Conforming High Balance Eligibility and guideline expansions effective 12/7/15.
    Posting Date: 11/23/2015 Effective Date: 12/07/2015
  • Announcement: UW 2015-05 – Expanded eligibility for Cash Out Refinances and Construction to Permanent to include manufactured homes.
    Posting Date: 08/10/2015 Effective Date: 08/17/2015
  • Announcement: UW 2015-04 – Additional underwriting guidelines expansion including: Rate and Term (Limited Cash Out) refinances, 3-4 units, eligibility for co-borrowers without credit scores
    Posting Date: 07/13/2015 Effective Date: 07/20/2015
  • Announcement: UW 2015-03 – Additional underwriting guidelines expansion (including Jumbo and Construction to Permanent)
    Posting Date: 05/04/2015 Effective Date: 05/11/2015
  • Announcement: UW 2015-02 – Additional underwriting guidelines expansion (including manufactured homes)
    Posting Date: 03/16/2015 Effective Date: 03/23/2015
  • Announcement: RT 2015-01  – Non-Refundable Single Premium Rates Adjusted.
    Posting Date: 02/02/2015 Effective Date: 02/09/2015
  • Announcement: UW 2014-13 – Alignment with the GSEs’ Expanded 97% LTV Lending.
    Posting Date: 12/15/2014 Effective Date: 01/01/1970 Currently in Effect
  • Announcement: SVC 2014-12 – Florida Hurricane Assessment Termination.
    Posting Date: 11/21/2014 Effective Date: 01/01/2015

  • Announcement: UW 2014-11 – New application of DU / LP guidelines.
    Posting Date: 09/12/2014 Effective Date: 09/15/2014
  • Announcement: MP 2014-10 – National MI’s New Master Policy Effective October 1, 2014.
    Posting Date: 07/14/2014 Effective Date: 10/01/2014
  • Announcement: RT/UW 2014-09 – Lower Single Premiums Jumbo Adjustment and state-specific rate changes
    Posting Date: 05/28/2014 Effective Date: 06/02/2014
  • Announcement: RT/UW 2014-06 – Lower rates for Borrower-Paid Single Premiums.  Expanded AUS Eligible Affordable guidelines and introduced non-AUS Affordable guidelines.
    Posting Date: 04/28/2014 Effective Date: 05/05/2014
  • Announcement: UW/RT 2014-04 – Eliminate Borrower’s Contribution, Non-AUS Jumbo, Corporate Relocation Charges
    Posting Date: 03/10/2014 Effective Date: 03/17/2014
  • Announcement: RT: 2014-03 – Lower Lender Paid Single Premium Rates
    Posting Date: 02/11/2014 Effective Date: 02/17/2014
  • Announcement: RT: 2014-02 – Washington State Rates Availability
    Posting Date: 02/11/2014 Effective Date: 02/17/2014
  • Announcement: UW / RT: 2014-01 – Updated Rates to Reflect Expanded Guidelines
    Posting Date: 01/27/2014 Effective Date: 01/27/2014