Rhonda....  from my understanding, this has no been approved as of yet, right?  I had one client e-mail me and tell me that it has been approved and ready. But from understanding the system, I don't think so. You say that you are approved for this, but can you do them yet? And from what i know, anyone that is FHA approved can do these.  I just think it was the way HUD stated this when they mentioned the criteria and it was very vague. But then again, I could be wrong about all of this. I am just waiting in the wings, when it is ready to start doing these loans. I guess making consumers aware that this is out there and will be ready is the main thing. Sorry if I am babbling, but I am just waiting for someone to tell me something differently.  thanks