source:
  type: guide
  id: fnma-svc-f-3-08
  authority: 'Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined
    Terms: H'
  description: 'Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined
    Terms: H.'
  coverage_tier: operative
obligations:
- id: fnma-svc-f-3-08-full
  canonical_id: fnma-svc-f-3-08-full
  section: 'Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined Terms:
    H'
  type: do
  tags:
  - regulator-direct
  - fnma
  - servicing-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 'Fannie Mae Servicing Guide F-3-08 — Acronyms and Glossary of Defined
      Terms: H'
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/servicing-guide
    snapshot_id: cf63a82bbb4adfba
    fetched_at: '2026-05-22T23:53:19Z'
    content_hash: sha256:89df66c43baad07f8a8dd9d224492fff7d15e8839edba02ad0e74c7e50fe5da3
    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'
  judgment: false
