We subscribe to HUD, VA, Fannie Mae and Freddie Mac Mortgagee Letters, Bulletins, Announcements, and Selling and Servicing Guide Updates.  We also maintain a subscription to AllRegs.  All our documents are reviewed completely by Real Estate Attorneys for accuracy.  Because of the ever changing needs of the Mortgage Industry, along with the changes to regulations in Federal and State Agencies, each Mortgage Lender should satisfy themselves as to the legal sufficiency of each document.  However, we will not knowingly ship an obsolete form.