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New FHA Forms

92900-LT developed, 92900-A updated

May 28, 2008

By MortgageDaily.com staff

The Federal Housing Administration has developed a new transmittal form and updated a loan application addendum form.

HUD-92900-LT, FHA Loan Underwriting and Transmittal Summary, has been released, according to Mortgagee Letter 2008-15 issued last week by the U.S. Department of Housing and Urban Development.

The new form replaces both mortgage credit analysis worksheets, HUD-92900-PUR and HUD-92900-WS, HUD said. It provides one document for all forward mortgage types, including refinance transactions, and simplifies the disclosure of loan-level information.

"By signing and dating this form (when required) underwriters are providing their final decision to approve the loan application for FHA mortgage insurance.," the letter said.

The new transmittal form -- which is used in conjunction with HUD-92700-WS, the 203(k) Maximum Mortgage Worksheet -- can be used be used beginning June 9 and must be used on all loan applications taken on or after Oct. 1.

Lenders are still required to calculate the mortgage amount according to FHA guidelines, and proof of the calculation needs to be in the loan origination file.

In addition, form HUD-92900-A, Addendum to Uniform Residential Loan Application, has been updated to include, among other things, dedicated signature lines for co-borrowers in Parts IV and V. This form may immediately be used and must be used on all loan applications taken on or after Oct. 1.

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