How are pipeline loans previously scored by TOTAL affected when a new version of TOTAL is released?

From time to time, FHA will release new versions of TOTAL Mortgage Scorecard. FHA will announce the date that the new version will be available and from that date forward all new, first-time risk assessments will be based on the new scorecard.  Unless otherwise specifically announced with the release, mortgage applications that were scored with a case number under the previous version will be “grandfathered” and eligible for rescoring under the earlier version for 90 Days. Once that period has elapsed, all rescores will be subject to the new version of TOTAL Mortgage Scorecard. Mortgagees are also advised that the version number must be passed back to TOTAL to allow this grandfathering feature to operate. 

For additional information see Handbook 4000.1 II.A.4.a.iii(B) 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-04497