source:
  type: regulation
  id: gnma-mbs-ch33
  authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: "Ginnie Mae MBS Guide Chapter 33 (Ginnie Mae Initiatives — Special Provisions). New-source fetch\
    \ + gap-fill (verbatim). \n"
obligations:
- id: gnma-mbs-ch33-0
  canonical_id: gnma-mbs-ch33-0
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 This chapter describes special provisions
    that may apply to one or more of the programs covered in MBS Guide, Ch. 24 through 32 and 35 through the implementation
    of new Ginnie Mae programs or initiatives. This chapter discusses three of those initiatives: the Targete…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 This chapter describes special provisions that may apply to one or more of the
      programs covered in MBS Guide, Ch. 24 through 32 and 35 through the implementation of new Ginnie Mae programs
      or initiatives. This chapter discusses three of those initiatives: the Targeted Lending Initiative, the Representations
      & Warranties Program and FHASecure mortgage pools.'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-1
  canonical_id: gnma-mbs-ch33-1
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 The Targeted Lending Initiative
    program (TLI) was in effect for securities with an issuance date of September 1, 2016 or earlier, and is now
    discontinued. Any security with an issuance date of October 1, 2016 or later is ineligible for participation
    in TLI. TLI was a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 The Targeted Lending Initiative program (TLI) was in effect for securities with
      an issuance date of September 1, 2016 or earlier, and is now discontinued. Any security with an issuance date
      of October 1, 2016 or later is ineligible for participation in TLI. TLI was an incentive program that provided
      for a reduction in the Ginnie Mae guaranty fee from 1 to 3 basis points (bps) on an eligible pool or loan
      package, depending on the percentage of loans in the pool or loan package that were secured by properties
      located in certain eligible communities. The eligible communities were limited to census tracts specified
      by HUD guidelines. Ginnie Mae may make available upon request previous versions of MBS Guide, Ch. 33 for a
      more detailed description on the requirements and benefits of the discontinued TLI Program. The post issuance
      monitoring activities and Issuer Requirements detailed in MBS Guide, Ch. 33, Part 2 remain in effect for any
      security that was subject to a discount under the TLI Program prior to October 1, 2016.'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-2
  canonical_id: gnma-mbs-ch33-2
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: REPRESENTATIONS & WARRANTIES PROGRAM The Representations
    and Warranties (R&W) program permits an Issuer’s custodian to certify pools without receipt and review of the
    security instrument, title policy, and intervening assignments. Certification requirements are depicted in Append…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: REPRESENTATIONS & WARRANTIES PROGRAM The Representations and Warranties (R&W) program permits
      an Issuer’s custodian to certify pools without receipt and review of the security instrument, title policy,
      and intervening assignments. Certification requirements are depicted in Appendix V-1 of Ginnie Mae’s Document
      Custodian Manual. Section A. Issuer Eligibility
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-3
  canonical_id: gnma-mbs-ch33-3
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 All single family and HMBS Issuers
    may request approval to participate in the R&W program. In considering whether or not to enter into an R&W agreement
    with an Issuer, Ginnie Mae evaluates various factors that include, but are not limited to the following: Tenure
    as …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 All single family and HMBS Issuers may request approval to participate in the
      R&W program. In considering whether or not to enter into an R&W agreement with an Issuer, Ginnie Mae evaluates
      various factors that include, but are not limited to the following: Tenure as an Issuer; Results of compliance
      reviews; Results of an Issuer’s annual audit report(s); Status as a supervised institution or affiliate of
      a supervised institution, if applicable; Bond rating of Issuer or affiliated institution, if applicable;'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-4
  canonical_id: gnma-mbs-ch33-4
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: , Rev. 1 33-2 ginniemae.gov Matters involving
    the internal control structure and operations that have been identified by the Issuer’s Independent Public Accountant
    (IPA); Results of the Issuer’s Independent Public Accountant’s test of compliance; Adjusted net worth relative
    to Gi…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ', Rev. 1 33-2 ginniemae.gov Matters involving the internal control structure and operations
      that have been identified by the Issuer’s Independent Public Accountant (IPA); Results of the Issuer’s Independent
      Public Accountant’s test of compliance; Adjusted net worth relative to Ginnie Mae’s requirement; Rate of obtaining
      insurance relative to peer group; and Status with Ginnie Mae, the Government Sponsored Enterprises (GSE’s),
      and federal regulators. R&W participating Issuers shall also enter into a written agreement with Ginnie Mae,
      whereby the Issuer makes the following representations and warranty, acknowledging and understanding that
      Ginnie Mae has relied upon the truth and accuracy of the following representations: All records needed for
      final certification will be obtained in the normal course of business and held by the document custodian;
      Issuer indemnifies and holds Ginnie Mae (and its successors and assigns) harmless against all losses, damages,
      judgments or legal fees based on, or resulting from, Issuer’s failure or alleged failure to obtain the original
      or a copy of the mortgage, record (if required), intervening assignments or title policies; Issuer represents
      and warrants that it is the recorded owner of the mortgage unless the mortgage has been assigned to MERS.
      If the mortgage was assigned to Issuer, the assignment to Issuer or MERS validly transfers the mortgage, free
      and clear of any pledge, lien, encumbrance or security interest; Issuer represents and warrants that the mortgages
      backing the guaranteed securities are federally insured or guaranteed eligible mortgages pursuant to 12 U.S.C.
      1721(g)(1) and the Guide; Issuer represents and warrants that it maintains and will continue to maintain a
      document tracking system and an internal auditing department, which may be examined or audited by Ginnie Mae
      at any time to ensure compliance with mortgage pool requirements; Issuer represents and warrants that with
      the exception of compliance with the requirement that the Issuer provide the document custodian with copies
      of the mortgage, recorded (if required) intervening assignments and title policies, within twelve months,
      the Issuer is, and will remain in compliance with all Ginnie Mae requirements and all Federal regulations;
      and Issuer represents and warrants that prior to transferring pools to a non R&W Issuer, Issuer/seller shall
      direct its custodian to perform a complete final certification of all applicable pools, as described in the
      Guide. Issuers interested in the R&W program must submit a written request and narrative, including how they
      meet the terms of the R&W Agreement, to Ginnie Mae’s Office of Issuer & Portfolio Management (Please See MBS
      Guide Addresses).'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-5
  canonical_id: gnma-mbs-ch33-5
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 R&W applies to all single-family
    pools, with exception of manufactured housing. HMBS pools are eligible for the Ginnie Mae R & W program.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 R&W applies to all single-family pools, with exception of manufactured housing.
      HMBS pools are eligible for the Ginnie Mae R & W program.'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-6
  canonical_id: gnma-mbs-ch33-6
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: FHASECURE & HOPE FOR HOMEOWNERS (H4H) MORTGAGE
    POOLS FHASecure is the FHA program for loans not previously insured by the FHA that refinance into FHA-insured
    loans. The HOPE for Homeowners (“H4H”) program enables eligible borrowers to refinance a conventional loan or
    a government…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: FHASECURE & HOPE FOR HOMEOWNERS (H4H) MORTGAGE POOLS FHASecure is the FHA program for loans
      not previously insured by the FHA that refinance into FHA-insured loans. The HOPE for Homeowners (“H4H”) program
      enables eligible borrowers to refinance a conventional loan or a government-insured or guaranteed loan. This
      section describes special requirements that apply for a pool or loan package of certain FHASecure and all
      H4H mortgages. These pools have the pool suffix M FS under the Ginnie Mae II MBS program. Section A. Mortgage
      Eligibility and Pool Requirements
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-7
  canonical_id: gnma-mbs-ch33-7
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 Pooling requirements applicable
    to Ginnie Mae II multiple issuer pools apply to M FS pools. FHASecure mortgages with the following characteristics
    are eligible for inclusion only in M FS pools: Fixed rate loans originated pursuant to FHA Mortgagee Letter
    2008-13 to b…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 Pooling requirements applicable to Ginnie Mae II multiple issuer pools apply
      to M FS pools. FHASecure mortgages with the following characteristics are eligible for inclusion only in M
      FS pools: Fixed rate loans originated pursuant to FHA Mortgagee Letter 2008-13 to borrowers that refinanced
      after having become delinquent. Fixed rate refinance loans to borrowers where the borrower takes out a new
      subordinate lien. FHASecure mortgages with these characteristics are not eligible for inclusion in any other
      Ginnie Mae pool type. However, all other FHASecure mortgages may be pooled into the M FS pool type or other
      Ginnie Mae I and Ginnie Mae II pool types, subject to Ginnie Mae pooling requirements. All HOPE For Homeowners
      mortgages are only eligible to be pooled in the M FS pool type as part of the Ginnie Mae MBS II program, as
      described in 24 CFR Part 4001. High Balance Loans that satisfy the pooling requirements applicable to Ginnie
      Mae II multiple issuer pools may be pooled in M FS pools. In addition, there is no limit on the percentage
      of the issue date unpaid principal balance of High Balance Loans that may be pooled in the M FS pool type.
      Section B. Loan Package Submission'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-8
  canonical_id: gnma-mbs-ch33-8
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2023-12-01 M FS loan packages may only be submitted
    electronically using Ginnie Mae’s electronic pooling application. Paper pools are ineligible for pooling under
    both the FHASecure and the HOPE for Homeowners initiatives.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2023-12-01 M FS loan packages may only be submitted electronically using Ginnie Mae’s electronic
      pooling application. Paper pools are ineligible for pooling under both the FHASecure and the HOPE for Homeowners
      initiatives.'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-9
  canonical_id: gnma-mbs-ch33-9
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: , Rev. 1 33-4 ginniemae.gov This section describes
    the special requirements for pools and loan packages transmitted electronically on these higher balance loans.
    These pools and loan packages will have the pool type suffix M JM. Section A. Mortgage Eligibility and Pool
    Requiremen…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ', Rev. 1 33-4 ginniemae.gov This section describes the special requirements for pools and
      loan packages transmitted electronically on these higher balance loans. These pools and loan packages will
      have the pool type suffix M JM. Section A. Mortgage Eligibility and Pool Requirements'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-10
  canonical_id: gnma-mbs-ch33-10
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2016-10-01 Pooling requirements applicable
    to Ginnie Mae II multiple issuer pools and loan packages also apply to M JM pools. Economic Stimulus Act of
    2008 fixed rate loans originated with a note date before October 1, 2008, pursuant to FHA Mortgagee Letter 2008-06
    that exceed …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2016-10-01 Pooling requirements applicable to Ginnie Mae II multiple issuer pools and loan
      packages also apply to M JM pools. Economic Stimulus Act of 2008 fixed rate loans originated with a note date
      before October 1, 2008, pursuant to FHA Mortgagee Letter 2008-06 that exceed the loan balance limitations
      below, are not eligible for inclusion in any other Ginnie Mae pool type except M JM: Units Contiguous States,
      District of Columbia, Puerto Rico Alaska, Guam, Hawaii, U.S. Virgin Islands One-Unit $362,790 $544,185 Two-Unit
      $464,449 $696,673 Three-Unit $561,411 $842,116 Four-Unit $697,696 $1,046,544 Economic Stimulus Act of 2008
      loans originated with a note date on or after October 1, 2008 may be subject to the restrictions identified
      in MBS Guide, Ch. 9, Part 2, § B. Section B. Electronic Loan Package Submissions'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
- id: gnma-mbs-ch33-11
  canonical_id: gnma-mbs-ch33-11
  section: Ginnie Mae MBS Guide Chapter 33 — Ginnie Mae Initiatives — Special Provisions
  description: 'Ch.33 Ginnie Mae Initiatives — Special Provisions: : 2023-12-01 “M JM” pools and loan packages may
    only be submitted using Ginnie Mae’s electronic pooling application.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - gnma-mbs-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Ginnie Mae MBS Guide (5500.3, Rev. 1) Chapter 33 — Ginnie Mae Initiatives — Special Provisions
    source_class: gnma-mbs-guide
    source_url: https://www.ginniemae.gov/issuers/program_guidelines/MBSGuideLib/Chapter_33.pdf
    snapshot_id: cc79352cdb3b00ec
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:4ba8223d5de3472e82b9a9df465ccda6bfde8f72fd6ae0b05921fb8f1dde6aae
    paragraph_quote: ': 2023-12-01 “M JM” pools and loan packages may only be submitted using Ginnie Mae’s electronic
      pooling application.'
    drafter_attestation: Verbatim paragraph from Ginnie Mae MBS Guide Chapter 33 PDF, snapshot cc79352cdb3b00ec;
      substring-verified. New-source fetch.
  judgment: false
