StacksVerified U.S. regulatory reference

24 CFR §1005.447

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov
Documents reviewed at underwriting and at loan closing may not be older than the 120 days, or another time period prescribed by Section 184 Program Guidance. Documents whose validity for underwriting purposes is not affected by the passage of time, such as divorce decrees or tax returns, are not subject to time limitations.