The Department of Housing and Urban Development is making several changes to its procedures for scoring and documenting the loans that the Federal Housing Administration will insure. The changes will be reflected in HUD’s Technology Open to Approved Lenders, or TOTAL, Mortgage Scorecard. The department said that its overall experience with the TOTAL project has been “positive,” but added, “It has become clear that minor changes to certain application variables, e.g., cash reserves after closing,…