The FHA Handbook has been updated entirely. Remember that all credit policy changes including FHA Florida lending related to loans insured under Sections 203(b) and 234(c) of the National Housing Act and implemented by HUD Mortgagee Letters issued since September 1995 have been incorporated into this Handbook. For those credit policy revisions that were not previously announced by mortgagee letters for example, compliance with these instructions is voluntary immediately and becomes mandatory for all FHA loan applications signed by the borrowers on or after January 1, 2004.

Here are the relevant links for the FHA Manual, FHA Handbook, the FHA 4155.1, FHA 4155, FHA direct endorsement underwriters, and the HUD rules for Federal Housing Administration rules for writing fha loans.