Has the Total Scorecard User Guide been superseded by Handbook 4000.1?

Yes.  The TOTAL Scorecard User Guide was superseded by Handbook 4000.1.  Unless otherwise specifically announced, the applicable policies for FHA’s TOTAL Scorecard are contained within Handbook 4000.1, Section II (A) (4) Underwriting the Borrower Using the TOTAL Mortgage Scorecard.  For loans that require manual underwriting, refer to Section II (A) (5), Manual Underwriting of the Borrower.
 
Handbook 4000.1 is available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-03557