source:
  type: regulation
  id: fnma-sel-2026-01
  authority: Fannie Mae Selling Guide Announcement SEL-2026-01
  status: in-force
  description: 'Fannie Mae SEL-2026-01 (Feb 4, 2026): GSE alignment of MH Advantage and CHOICEHome manufactured-home requirements (under FHFA guidance), plus gift-fund donor and nontraditional-credit updates. Snapshot mirrors the official Fannie PDF.'
obligations:
- id: fnma-sel-2026-01-mh-choicehome-alignment
  canonical_id: fnma-sel-2026-01-mh-choicehome-alignment
  section: Fannie SEL-2026-01 — MH Advantage / CHOICEHome alignment
  description: Fannie Mae and Freddie Mac, under FHFA guidance, aligned key requirements for their MH Advantage and CHOICEHome manufactured-home programs.
  type: do
  audit_question: Has [LENDER] updated its manufactured-housing (MH Advantage / CHOICEHome) requirements to the aligned standard per SEL-2026-01?
  workflow_phase: origination
  owner_role: cco
  secondary_owner_role: cco
  cadence: per-bulletin
  consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
  tags:
  - fnma
  - sel-2026-01
  - manufactured-housing
  - mh-advantage
  - choicehome
  - effective-2026-02-04
  - promoted
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide Announcement SEL-2026-01
    source_class: gse-bulletin
    source_url: https://singlefamily.fanniemae.com/news-events/announcement-sel-2026-01-selling-guide-updates
    snapshot_id: 713eab1871a92c47
    fetched_at: '2026-06-08T00:00:00Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: Fannie Mae and Freddie Mac, under the guidance of U.S. Federal Housing (FHFA), are pleased to announce the alignment of key requirements for their respective MH Advantage and CHOICEHome programs.
    drafter_attestation: Verbatim from Fannie SEL-2026-01 snapshot. MH Advantage/CHOICEHome alignment.
  program_review: Does the program reflect the aligned MH Advantage / CHOICEHome manufactured-home requirements?
  file_review: On MH Advantage / CHOICEHome files, confirm the aligned requirements were applied.
  judgment: false
