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_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.

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Recent News & Announcements

FEMA Disaster Declaration – Tennessee

On August 23, the Federal Emergency Management Agency (FEMA) has issued a major disaster declaration for the State of
Tennessee to Severe Storms and Flooding on August 21, 2021.
Impacted Counties FEMA Link FEMA Notice Date
Humphreys 8/24/2021
If the subject property is in one of the designated counties above and appraisal was completed on or before FEMA Declaration
Date, please refer to LSM Disaster Policy for full requirements.
LSM will continue to monitor the impacted areas and we may add or remove counties on the list above as necessary.
Please contact your Sales Representative if you have any questions.

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