Automated Underwriting Systems

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Chapter 2
Mortgage Credit Guidelines
Page 2-14

Any Automated Underwriting Systems (AUS) being used for FHA insured mortgage processing must utilize the FHA TOTAL Scorecard in determining recommendations for the underwriting decision. The complete feed back certificate/finding's report and the credit report identified as having been utilized by AUS must be included in the case binder with each case submission. The feedback certificate should be placed on the top right hand side of the endorsement case binder.

Please see: HUD Mortgagee Letters: Mortgagee Letters 2004-44, 2004-47, and 2005-15 as well as the FHA TOTAL Scorecard Home Page