Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms: H

fnma-svc-f-3-08

Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms: H.

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      paragraph_quote: 'F-3-08, Acronyms and Glossary of Deﬁned Terms: H (12/17/2025) Introduction HCLTV home equity combined loan-to-value HOA homeowners'' association HOEPA Home Ownership and Equity Protection Act of 1994 home mortgage loan A residential mortgage loan secured by a one- to four-unit property. HomeStyle Refresh mortgage A mortgage option that enables eligible borrowers to ﬁnance renovations, environmental remediation, disaster preparedness, property repairs, and energy- or water-eﬃciency improvements for an existing home or a home purchased. HomeStyle Renovation mortgage A mortgage that enables eligible borrowers to obtain ﬁnancing to renovate, remodel, repair, or upgrade their existing home or a home that they are purchasing. HOPE Home Owners Preserving Equity™ housing counseling Counselor-to-client assistance provided by a HUD-approved counseling agency that involves the creation of an action plan to address unique ﬁnancial circumstances and housing issues, and focuses on overcoming speciﬁc obstacles to achieve housing goals, such as: HSA HomeSaver Advance HUD Department of Housing and Urban Development Published May 13, 2026 731'

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Verbatim provisions from Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms: H — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms: H

F-3-08, Acronyms and Glossary of Deﬁned Terms: H (12/17/2025) Introduction HCLTV home equity combined loan-to-value HOA homeowners' association HOEPA Home Ownership and Equity Protection Act of 1994 home mortgage loan A residential mortgage loan secured by a one- to four-unit property. HomeStyle Refresh mortgage A mortgage option that enables eligible borrowers to ﬁnance renovations, environmental remediation, disaster preparedness, property repairs, and energy- or water-eﬃciency improvements for an existing home or a home purchased. HomeStyle Renovation mortgage A mortgage that enables eligible borrowers to obtain ﬁnancing to renovate, remodel, repair, or upgrade their existing home or a home that they are purchasing. HOPE Home Owners Preserving Equity™ housing counseling Counselor-to-client assistance provided by a HUD-approved counseling agency that involves the creation of an action plan to address unique ﬁnancial circumstances and housing issues, and focuses on overcoming speciﬁc obstacles to achieve housing goals, such as: HSA HomeSaver Advance HUD Department of Housing and Urban Development Published May 13, 2026 731

Source: Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms: H · source URL · snapshot cf63a82bbb4adfba