Mortgage Industry RegulationsQuote the verbatim text of Fannie Mae Selling Guide B3-4.3-04 (Personal Gifts), with its citation and effective date.Mortgage Industry RegulationsWhat are the VA IRRRL seasoning and fee recoupment requirements? Quote 38 U.S.C. 3709.Mortgage Industry RegulationsWhat does FHA Handbook 4000.1 say about the maximum debt-to-income ratio for a manually underwritten loan? Quote the section.

C4C: Mortgage Industry Regulations gives ChatGPT the actual text of U.S. mortgage regulations and agency guides: HUD Handbook 4000.1, the Fannie Mae Selling and Servicing Guides, the Freddie Mac Guide, the Ginnie Mae MBS Guide, the VA Lenders Handbook (M26-7) and USDA HB-1-3555, plus the CFR and U.S. Code sections they rest on. Ask a question the way you'd ask a colleague, in plain words or loan-file shorthand like "DTI" or "RSU income". ChatGPT finds the governing section, quotes it verbatim, and gives you the citation, the effective date and the dated source document it came from. It flags when a rule has two versions in force, a pending revision, or was changed by a later letter. It can also look up a citation you already have (B3-4.3-04, 4000.1 II.A.4.c, 12 CFR 1026.43) and check whether a passage, including one from your own draft, really appears in the regulator's text. Four guided worflows: FHA, VA and USDA loan-file QC, and a review against Fannie Mae's AI Lender Letter LL-2026-04. Each check comes back with the rule it rests on, and your documents stay in your chat. Read-only, with no sign-in or account. Questions outside mortgage regulation get "not found" rather than a stretch. Results are for research and are not legal advice: verify against the primary source.

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Mortgage Industry Regulations