All transactions must be scored through TOTAL Mortgage Scorecard, except Streamline Refinance transactions and assumptions.
Mortgagees must manually underwrite all Streamline Refinances in accordance with the guidance provided in Handbook 4000.1: II.A.5. The Mortgagee may score the mortgage through TOTAL Mortgage Scorecard but the findings are invalid.
For additional information see Handbook 4000.1:II.A.8.d.vi.(C)(1)(a)-(b); II.A.8.d.vi.(C)(4)(b) at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh