I am not sure if these are reflected on the retail side as well. The big changes? 75% max loan-to-value on rate and term refinances with a minimum FICO score of 720. That guideline change essentially narrows the universe of qualified borrowers to a thin sliver of the home-owning population these days.
Other details on the stated income guideline restrictions:
70% max LTV on cash-out refinances
Increased FICO requirements from 660-720 to 680-720 for SIVA
Increased FICO requirements from 660-720 to 700-740 for SISA
Click the thumbnail below for the full details:
Source: By Blown Mortgage