LoanStream Mortgage has created this At-A-Glance to easily review recent COVID-19 communications implementing temporary Agency, Government and NanQ/Non-QM program changes or requirements in addition to LoanStream overlays.  This document will be updated with changes as they occur.

LoanStream’s Referenced Memos

Memo ID


Release Date
LSM_2-2-2022     COVID-19 Guideline Update 2/2/2022
LSM_11-22-2021     COVID-19 Guideline Update 11/22/2021
LSM_10-20-2021     COVID-19 Guideline Update 10/20/2021
LSM_6-22-2021     COVID-19 Guideline Update 6/22/2021
HUD-9991     HUD-9991 6/16/2021
LSM_6-16-2021     COVID-19 Guideline Update 6/16/2021
LSM_4-19-2021     COVID-19 Guideline Update 4/19/2021
LSM_12-16-2020     COVID-19 Guideline Update 12/16/2020
LSM_11-20-2020     Revised COVID-19 Temporary Guidelines 11/20/2020
LSM_11-16-2020     Updated COVID-19 Temporary Guidelines 11/16/2020
LSM_10-27-2020     Updated COVID-19 Temporary Guidelines 10/27/2020
LSM_07-29-2020     Revision to 7/28 COVID-19 Temporary Guidelines 7/29/2020
LSM_07-28-2020    COVID-19 Update to Temporary Guidelines 7/28/2020
LSM_06-03-2020     Self Employed Borrowers – FNMA/FHLMC 6/03/2020
LSM_06-03-2020     Employment Re-Verification Update 6/03/2020
LSM_05-26-2020     Loans in Forbearance – Conventional 5/26/2020
LSM_04-22-2020     Initial Disclosures Required prior to Submit to UW 4/22/2020
LSM_04-20-2020     NanQ/Non-QM Guidelines Updates 4/20/2020
LSM_04-17-2020     CALHFA Updates 4/17/2020
LSM_04-16-2020    Government Loans FICO Reduction 4/16/2020
LSM_04-08-2020    FHA / USDA / VA Appraisal Guidance 4/8/2020
LSM_04-07-2020    Chenoa removes Conventional Options 4/7/2020
LSM_04-07-2020    FNMA / FHLMC Updates 4/7/2020
LSM_04-02-2020    Jumbo Loan Programs 4/2/2020
LSM_03-30-2020    Appraisal / 4506-T Transcripts Updates 3/30/2020
LSM_03-27-2020    Employment Re-verification 3/27/2020
LSM_03-26-2020    Re-verification of Borrower’s Employment 3/26/2020

This document is for informational purposes only.  LSM’s Guides, Matrices and Bulletins remain the governing source of information and should be referenced for final eligibility.

News Delivered to Your Inbox

hbspt.forms.create({ portalId: "6767745", formId: "e0ec9053-9814-4e36-9a6e-ff66dcd70f19" });

Recent News & Announcements

Disaster Declaration for the State of Florida

Disaster Declaration for the State of Florida FEMA Notice Date: September 24th, 2022 On 9/24/2022, the Federal Emergency Management Agency (FEMA) has issued a disaster declaration regarding Tropical Storm Ian (Notice EM-3584-FL). On 9/29/2022, nine (9) counties have been designated for Individual Assistance. Late on 9/29/2022, 4 additional counties have been added. On 9/30/2022, 4

Read More »

Disaster Alerts Summary

FEMA Disaster Alerts – Summary of Announcements List of Disasters Declared by FEMA (January ’22 – Till Date) State Disaster Declaration Type Counties Affected Incident Date Major Disaster Declaration Date OCMBC Implications KY Kentucky severe storms, flooding, landslides, and mudslides Major Disaster Declaration Breathitt, Clay, Knott, Letcher, Perry, Floyd, Pike, Magoffin, Martin, Owsley, Whitley, Leslie

Read More »

Disaster Declaration for the State of Kentucky (Updated)

Disaster Declaration for the State of Kentucky FEMA Notice Date: June 29th, 2022 On 7/29/2022, the Federal Emergency Management Agency (FEMA) has issued a major disaster declaration for the State of Kentucky due to severe storms, flooding, landslides, and mudslides that occurred from 7/26/2022, and continuing. On August 8, 2022, FEMA granted individuals Assistance to

Read More »