Can I process a streamline refinance using FHA TOTAL Scorecard?

All transactions must be scored through TOTAL Mortgage Scorecard, except Streamline Refinance transactions, assumptions and Mortgages made to nonprofit/Governmental Entity Borrowers.

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, Sections II.A.4.a.;; and available at:

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-04307