source:
  type: guide
  id: usda-hb-3555-15.3
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.3 —
    Loan Application Package
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.3
    — Loan Application Package.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-15.3-full
  canonical_id: usda-hb-3555-15.3-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.3 — Loan
    Application Package
  type: do
  tags:
  - regulator-direct
  - usda
  - usda-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶15.3
      — Loan Application Package
    source_class: usda-handbook
    source_url: https://www.rd.usda.gov/sites/default/files/hb-1-3555_consolidated.pdf
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-05-25T14:10:13Z'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '15.3 LOAN APPLICATION PACKAGE A. Manually Underwritten Loans
      Manually underwritten loans are defined as: HB-1-3555 (03-09-16) SPECIAL PN
      15-2 Revised (08-05-25) PN 694 Guidance documents lack the force and effect
      of law, unless expressly authorized by statute or incorporated into a contract.
      USDA may not cite, use, or rely on any guidance that is not available through
      their guidance portal, except to establish historical facts. x GUS applications
      that receive an underwriting recommendation of “Refer” or “Refer with Caution.”
      o These loan applications are submitted as final in GUS and based on the GUS
      recommendation, must be manually underwritten by the lender’s underwriter. o
      Additional documentation, in accordance with Attachment 15-A, must be provided
      to the Agency along with the request for a Conditional Commitment. B. Manually
      Submitted Loans Manually submitted loans are defined as: x Any loan type that
      is unsupported by GUS, including Streamlined Assist Refinance transactions and
      select pilot programs. o These loan applications must be manually underwritten
      by the lender’s underwriter. o The associated documents must be uploaded via
      GUS; however no GUS recommendation is generated. o A job aid for this type of
      manual submission is available in the USDA LINC Training and Resource Library
      in the “Loan Origination” tab located at https://www.rd.usda.gov/resources/usda-linc-training-resource-
      library/loan-origination under “Documents and Resources,” “Manual Submission
      Job Aid.” C. Guaranteed Underwriting System - GUS Accept loans 1. Streamlined
      Documentation Loan Files When GUS renders an underwriting recommendation of
      “Accept,” this allows the lender to submit streamlined documentation to request
      a Conditional Commitment. Information regarding processing procedures is located
      in the GUS User Guide posted to https://www.rd.usda.gov/resources/usda-linc-training-resource-
      library/guaranteed-underwriting-system. HB-1-3555 (03-09-16) SPECIAL PN 15-3
      Revised (08-05-25) PN 694 Guidance documents lack the force and effect of law,
      unless expressly authorized by statute or incorporated into a contract. USDA
      may not cite, use, or rely on any guidance that is not available through their
      guidance portal, except to establish historical facts. 2. Full Documentation
      Loan Files GUS “Accept with Full Documentation” loan files require additional
      items to be submitted to the Agency. Full documentation submissions are not
      re-underwritten by the Agency. Full documentation loan files will undergo a
      review to compare the data entered by the lender to the submitted documentation.
      Any discrepancies identified by the Agency will be reviewed with the approved
      lender before the file is released for correction or denied.'
  judgment: false
