---
kind: "section"
citation: "24 C.F.R. § 1005.447"
title: "24"
number: "1005.447"
heading: "Maximum age of Loan documents."
url: "https://uscodex.org/cfr/24/1005.447"
---

# §1005.447. Maximum age of Loan documents.


Documents reviewed at underwriting and at loan closing may not be older than the 120 days, or another time period prescribed by [Section 184](/cfr/24/184.md) 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.


## Notes

### Authority

Authority: 12 U.S.C. 1715z-13a; 15 U.S.C. 1639c; 42 U.S.C. 3535(d).

### Source

Source: 89 FR 20056, Mar. 20, 2024; 89 FR 22084, Mar. 29, 2024, unless otherwise noted.