Freddie/Fannie/FHA Lending Guidelines

So most escrows are being held up thus delaying closings. Why? Underwriting since the housing crisis has swung the other way – almost perversely so. Underwriters will now scrutinize every transfer, dollar and cent of your down payment again and again. Underwriters will verify every link and every statement entry. Yes, all of them!

Nevertheless here they are:
Fannie Mae Selling Guide copy