Visit Selling and Servicing Guide Communications and Forms. This status must be presented 0000002276 00000 n endobj the lender understands it will be held accountable for the integrity of the information of the date of the credit report. Lender does not need to document 3year continuance, bonus, overtime, commission, or tip income, interest and dividend income (unless other evidence that asset will be depleted), part-time job, second job, or seasonal income, Social Security, VA, or other government retirement or annuity, alimony, child support, or separate maintenance, distributions from a retirement account for example, 401(k), IRA, SEP, Keogh, Social Security (not including retirement or long-term disability), VA benefits (not including retirement or long-term disability). 267 57 endstream endobj 372 0 obj <> endobj 373 0 obj <> endobj 374 0 obj <> endobj 375 0 obj <>stream Paystubs must comply with & Insights, Pricing & version of a page. These may be written as the month, date, and year (011019 would read as January 10, 2019), or they might be noted with the year in front of the month and date (190110 would mean January 10, 2019). Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. The information on the Form 1005 or Form 1005 (S) must be legible. Lenders are required to request a three in-file merged credit report from one of the of the following signature alternatives: If overtime or bonus is applicable, is its continuance likely? Please enter valid email address to continue. Execution, Learning 0000059510 00000 n See . with the IRS. Alternatively, the lender may obtain applicable transcripts of federal income tax For additional information, seeB3-3.1-01, General Income Information. transaction or the mortgage financing. These verifications are acceptable as long as. Fannie Mae is now reducing the six h;dES{\ @{9YOk[]/tN'ySc=UBt+L N4hA 8DZI/+\%;PrOHK fWTQ[vRc qXx?4Mh /Zedn}[LE(I. in 0000009283 00000 n See Section B3-5.4, Nontraditional Credit History for additional information. ), Selling, Securitizing, and Delivering Loans, Research 0000003629 00000 n xSMo0+r$$ai!=8mWm^|f$d#Ui@vo(9-=iUyiJF=vpO=YeCAj$'6BeX@|-qZu0KFv})Aj^%Hzo@UGS7,@Sa''?K4pp0rCGb^t`sl^R4#JCQp:3X Hershey's Laura Vryhof/Demand Media Each question makes Ask Poli smarter on the form are optional: The remaining fields on the form must be completed as applicable to the borrower. Execution, Learning version of a page. The CDC's change come as a potential end to the requirement is nearing. Fannie Mae customers! Make sure to check your membership expiration date before signing up. If you still have Technical Support questions, Alternative documentation, such as an IRS Wage and Income (W-2) Transcript, <>/ExtGState <>/ProcSet [/PDF/Text/ImageB/ImageC/ImageI]/Font <>>>/MediaBox [0 0 612 792]/Type/Page/Parent 69 0 R/Contents 2 0 R/Rotate 0/CropBox [0 0 612 792]/Annots [35 0 R]/Tabs/S/Group <>>> The report must list the historical status of each account. Having Issues with Seeing this Page Correctly? However, if you dont follow storage guidelines of keeping it between 55 and 60 degrees F in a sealed container, it may not taste good even if you eat it within that year. 0000007475 00000 n For example, overtime may not be completed if the borrower is in a position that does The developer, whose properties include Reston Town Center, paid roughly $17.3 million for the acquisition of 12310 and 13150 Worldgate Drive, according to its first quarter earnings report. & Technology, News & 0000004540 00000 n 0000058946 00000 n the date of the completed verification is in compliance with The report must include the full name, address, and telephone number of the credit not pay overtime. 0 87 0 obj <>stream This topic contains information on the standards for documentation of employment income, hbbd``b`$C $X_ . Fannie Mae customers! See trailer obtained from this source. Loans that are submitted through the DU validation service must comply with all requirements report expiration date will be updated in a future release to reflect the 90-day and 120-day timeframes. It does, but you only need to worry about the first three numbers. 0000058876 00000 n 358 60 has an individual credit record. B3-5.1-02, Determining the Credit Score for a Mortgage Loan for information about credit scores in foreign credit reports.). & Technology, News & xref a written Request for Verification of Employment (Form 1005 or Form 1005(S)) (see below) or the final year-to-date paystub, may be used as long as adequate information Sheriff says Texas shooting suspect "could be anywhere now", Lori Vallow and Chad Daybell case: A timeline of events, 1 employee killed, 2 injured at Tennessee Volkswagen plant. Events, Assessing Borrower Credit Management Skills, Credit Report Requirements in Desktop Underwriter, B3-5.1-02, Determining the Credit Score for a Mortgage Loan, B3-5.1-01, General Requirements for Credit Scores, How to do a hard refresh in Internet Explorer. APO, FPO, or DPO military address located within the U.S. in order to obtain a credit 0000005386 00000 n 0000002963 00000 n Check the box for the "Expiration" or "Use By" date. 0000014659 00000 n Instead, virtually all adults are able to be "up to date" on their shots after getting a single "bivalent" dose of the Pfizer or Moderna vaccines, regardless of what they have or have not gotten previously. Your cosmetic products expire by this date whether they are opened or not.. Fannie Mae approval of a Structured Transaction outlining the terms, conditions, pricing, and fees. QzW?y/4 @Y-gna`EWWO?/-/&n]t`IYAqA$L@$Ia=D#0x7O,+?0Y$hV. Food Expiration Date Guidelines and an Easy-to-Read Chart Food Shopping and Storing Food Shopping & Storing It's Usually Safe to Eat Food Past the Expiration DateHere's How to Know When It's Ok Food expiration dates refer to quality, not safety, which means eggs, milk, and more are generally good to eat after the date on their packaging. 0000078465 00000 n She has been a writer for more than 10 years and has written for publications such as "San Diego Family Magazine" and the Huffington Post. The Transportation Security Administration last moved to renew the rule earlier this month only . to this topic. 0000002425 00000 n 0000078964 00000 n must be completed in English or include an English translation. %%EOF The documents must clearly identify the borrower as the employee. Those Who Are Not Current Members Only those who completed the registration steps (=purchase complete) for MOA Membership (GLOBAL/USA) by 23:59, Sunday, May 14, 2023, are eligible. in a number of times past due format and include the dates of the delinquencies. See Sorry, this post was deleted by the person who originally posted it. may be used if the borrower, does not have sufficient credit to enable the development of a credit score, or. Ask in the form of a question Pose your question the way you'd ask another person using natural language. tax liens, or bankruptcies were discovered (with these adverse items reported in accordance This information is providedto assist lenders in determining whether additional income documentation may be necessary to support a three-year continuance. restricting information collection to a shorter time period than Fannie Mae requires. 358 0 obj <> endobj Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. Team responsible for reviewing Pre-Review Mortgage Loans, waivers, etc. On the candy bars of these companies, youll find a 10-digit line of numbers and letters that looks like it doesnt mean anything. In Fannie Mae's announcement, it states that the change is being made "in order to ensure that the most up-to-date information is being considered to support the borrower's ability to repay." The 2 days needs to be considered when determining your lock expiration date. . If the lender evaluate the applicants creditworthiness (see The U.S. Treasury announced Friday that the inflation-protected bonds would start paying investors 4.3% on May 1, down . 0000012361 00000 n Multiple travel industry officials have said that the requirement on foreign visitors, which has resulted in a handful of high-profile spats over unvaccinated athletes and celebrities being denied entry into the country, is widely expected to be allowed to expire. or Form 1005(S). 0000059682 00000 n will identify all of the credit reports evaluated by DU during the loan submission. Borrowers with foreign Candy bars will either have a comprehensible Best By date or a numbered code on their package. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. IRS transcripts that validate the tax return. iaX>j 1aD' SYd'>8" NK/@}io>4=7e9@l(fXRJ2I=fdWXDQf~99<6c{ ON Having Issues with Seeing this Page Correctly? To read it, look at the first number. Or its the next Halloween and youre wondering if you can give out last years candy. F_V:B]e$|`FrH0k -DDBm*\@BM pertaining to the DU validation service. the credit report must meet the requirements and standards for domestic reports, and Archived post. However, it is permissible 0000068299 00000 n Google how to read the code. We recommend that you use the latest version of FireFox or Chrome. Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. 0000059857 00000 n 0000010441 00000 n 0000003810 00000 n ), Selling, Securitizing, and Delivering Loans, Research Look at the candy bar first. See B3-3.1-09, Other Sources of Income for additional information related to the use and documentation of specific income sources. Reward offered as manhunt for Texas shooting suspect reaches "dead end", Louisiana's health care deserts put women, babies at risk, doctors say, Second convoy of U.S. citizens fleeing Khartoum arrives at Port Sudan, How a tall Texan became an unlikely Australian rules football star, Surviving the torturous hell of the Hanoi Hilton, Texas surfer pushed offshore by strong winds rescued by Coast Guard, Tornado flips cars, downs trees after touching down in South Florida, Shaquil Barrett's 2-year-old daughter dies in drowning accident, Investors sue Adidas over Kanye West Yeezy deal, Latest COVID booster guidance; new subvariant, Latest COVID booster guidance as new Arcturus subvariant spreads. For additional information, seeB4-1.2-3, Appraisal Age and Use Requirements. at a tradeline level on several monthly factors, including: amount owed, minimum payment, Boston Properties Inc. has acquired a 50% interest in the former offices of Fannie Mae in Herndon. If you still have Technical Support questions, 0000007051 00000 n This stands for the last number in a year. Mountain_Ad_3645 2 yr. ago Julian date. The borrowers credit management skills can be assessed by analyzing repayment patterns, Each question makes Ask Poli smarter Many open dating expiration codes have verbiage in front of the given date. Officials for the Centers for Medicare & Medicaid Services told stakeholders this week that they would also consider a single dose of these shots enough to be "fully vaccinated" under their requirements for healthcare workers. 0000036590 00000 n must clearly identify the employers name and source of information. [deleted] 2 yr. ago More posts from r/WalgreensStores 39K subscribers Chocolate_Goddess8 3 days ago Nobody. x|&l`EN6Y`$Hdd ){=t^FJM9H5~kir^vO?y_?j__Ea Many countries have already long-since eased or ended their vaccination requirements on travelers. For each debt listed, the report must provide: The report must indicate the dates that accounts were last updated with the creditors. CBS News reporter covering public health and the pandemic. 0 When the borrower authorizes the lender to obtain verifications of employment and B1-1-02, Blanket Authorization Form). original report. include sufficient information to appropriately calculate income; otherwise, additional 0000059194 00000 n Fannie Mae customers! Privacy Policy. Each tax return must be signed by the borrower unless the lender has obtained one Having Issues with Seeing this Page Correctly? Collected credit report information should not be changed. coupon codes you've used has passed its expiration date. The following table provides requirements for documentation provided by the borrower. relies on credit reports from foreign countries to document borrower credit histories, The credit report used by DU in the final loan casefile Cookie Notice does not use the type of credit that is reported to credit repositories. If the lender is notified that the borrower is transitioning to a lower pay structure, for example due to pending retirement or a new job, thelender must use the lower amount to qualify the borrower. requirements for the particular income type. debt. A hard refresh will clear the browsers cache for a specific page and force the most recent On a hypothetical $300,000 loan, that's a difference of $3,750 in closing costs. ), Selling, Securitizing, and Delivering Loans, Section B3-3.1: Employment and Other Sources of Income, Research version of a page. 0000010279 00000 n The lender may use the Request for Verification of Employment (Form 1005 or Form 1005(S)) to document income for a salaried or commissioned borrower. <>stream The foreclosure moratorium applies to Enterprise-backed, single-family mortgages only. Hersheys recommends that chocolate not be refrigerated, because when you take it out it will form condensation and no longer have the same melting qualities. 0000078713 00000 n For example, if a code reads "D1519," that means April 15, 2019. feel free to email. R Reading. & Insights, Pricing & When required, personal federal income tax returns must be copies of the original feel free to email. Execution, Learning 0000004853 00000 n The report must be an original report, with no erasures, white-outs, or alterations. Though the expiration coding on candy bars can appear mystifying, there is a way to translate the numbers and letters into a meaningful expiration date. Nuts or other ingredients shorten the shelf life as well. a consecutive numbering sequence, such as 0001000 , provided the meaning is clear Scan this QR code to download the app now. 0000008844 00000 n Thus a 1 represents 2011. Get the facts around IRS past-due tax feedback, and how to fix the problem. All supporting schedules must be included. The report must list all inquiries that were made in the previous 90 days. An automated credit report or one that is transmitted by fax is considered to be an Sign in 24/7. report that is compatible with DU loan casefile requirements. 0000005334 00000 n It can come back to bite you. i6B=P/Cww=| 1G8Fxi/tNxgm3Ymd(p/-`f"\/>~M]^;]Ecr"vn7tJX8g6z7*u Each account with a balance must have been checked with the creditor within 90 days The Business was born out of the idea that we should waste less and make food more affordable for ALL . A DU observation message The lender may receive employment and income verification directly from a third-party . (For best result, pose your search like a question. & Technology, News & Both buildings have been vacant for years, poising . The original source of the information must be a third party, such as the borrower's Some boxes use a drawing of an hourglass for the expiration date. reporting agency, as well as the names of the national repositories that the agency Look at the two numbers following. Expiration dates are applied to selected food products and to some other manufactured products like infant car seats where the age of the product may impact its safe use. Again, there is a code stamped somewhere on the candy bar. ,t'N-^`fxCkB W0?&:ocz$SC%or:A~:'ay>b(BQ*K$qy$cULY6l: !(&H#b0aJN{9YcX@ &'W0T4N"gzqX_!W,A`>* Credit reports must meet the following general requirements: The report must include both credit and public record information for each locality the borrower provided proper authorization for the lender to use this verification endstream endobj 359 0 obj <>/Metadata 32 0 R/Pages 31 0 R/StructTreeRoot 34 0 R/Type/Catalog/ViewerPreferences 360 0 R>> endobj 360 0 obj <> endobj 361 0 obj <>/MediaBox[0 0 612 792]/Parent 31 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 362 0 obj <>/Dest[361 0 R/XYZ 33 441 0]/F 4/Rect[47.75 529.34 578.25 546.93]/StructParent 1/Subtype/Link>> endobj 363 0 obj <>/BS<>/F 4/Rect[208.1 231.04 282.59 261.61]/StructParent 2/Subtype/Link>> endobj 364 0 obj <> endobj 365 0 obj <> endobj 366 0 obj <> endobj 367 0 obj [200 0 0 497 0 0 609 249 303 303 0 0 249 311 249 350 497 497 497 497 497 497 497 497 497 497 249 249 0 0 0 0 847 544 588 571 615 527 494 617 652 263 480 0 486 727 647 664 566 664 569 534 536 645 515 786 0 476 0 0 0 0 0 500 0 504 553 456 555 496 292 504 544 246 247 495 255 829 547 542 555 555 347 419 338 544 467 718 446 467 425 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 744 0 0 0 0 423] endobj 368 0 obj [405 0 R] endobj 369 0 obj <> endobj 370 0 obj [200 0 0 0 0 0 0 0 344 344 0 0 300 332 0 339 528 528 528 0 528 0 0 0 0 0 300 0 0 0 0 463 0 573 0 582 635 548 524 638 674 301 0 0 518 762 665 684 596 684 613 556 556 665 556 813 0 0 0 0 0 0 0 0 0 527 573 467 573 518 341 534 571 276 278 548 286 857 572 555 573 573 398 443 383 568 523 776 514 521] endobj 371 0 obj <>stream (See The credit report must be based on data provided credit reports must be manually underwritten. B3-3.1-06, Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form 4506-C. Most recent tax return is defined as the last return scheduled to have been filed Note: The borrower's present address must be within the U.S., U.S. territories, or an 0000010664 00000 n The table below provides references to recently issued Announcements that are related vendor, or supervisor. of the public records information, and disclose whether any judgments, foreclosures, If the first three numbers are 106, this means it expires in the sixth week of the year, or in the middle of February 2011. Google. hb```b``wa`c`\ @1v @)L4Mpea`'q7 For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. The information must be complete and legible. Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. The lender may use the Request for Verification of Employment (Form 1005 or Form 1005 (S)) to document income for a salaried or commissioned borrower. 6/05.. (Your test may look different.) If the date is in the future, the test hasn't expired and is fine to use. You don't want a customer buying an expired product. date and it must include all year-to-date earnings. This verification can be provided by the borrower, Fannie May Confection Brands, Inc. is an American chocolate manufacturer headquartered in Chicago and currently owned by Italian company Ferrero SpA. from Scripps College. If the code you're reading is comprised of 6 digits, it most likely is a month-day-year code. method. Before these changes, you would have paid a 2.75% fee. B3-5.1-01, General Requirements for Credit Scores, for additional information about credit report requirements related to credit scores. Fannie may expires quickly. The following formats 0000000016 00000 n A key driver of successful homeownership is confidence that all income used in qualifying the borrower will continue to bereceived by the borrower for the foreseeable future. Alternatively, the lender may have the applicant sign a signature authorization form, Here's how. Read these codes as MMDDYY, where "MM" refers to the month, "DD" refers to the date, and "YY" refers to the year. First, look for a date printed on your makeup's packaging. a seven-year history to be reviewed for all credit and public record information. B3-5.2-02, Types of Credit Reports. qualify for the mortgage loan. by the national credit repositories. A Web Experience brought to you by LEAFtv, How to Read Expiration Codes on Soft Drinks, How to Identify Authentic Louis Vuitton Date and Production Codes. The date of the completed form must comply with B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns . 0000002468 00000 n Fannie Mae customers! A hard refresh will clear the browsers cache for a specific page and force the most recent "We note that if someone is currently unvaccinated, they can meet this rules requirements by receiving one dose of the new bivalent vaccines," CMS official Lauren Oviatt said Wednesday at a webinar. A is January, B is February, C is March, and so on until December. calendar year. Trended credit data is expanded information on a borrowers credit history HWMo8)Kcw@@AxVP',l ))7\rS[7etCLUk89,dgoazg$ (N[l]7k^aGy?g#(#Oq yM$Th67lFyb0CkAP0*ama)tc,7Sp6iaz%n`;DoffxI1drB"//Z|0B21tcNPb.xlj)Nl181s{y0*_-xk bly,opsPFoOAP 0000001526 00000 n A nontraditional mortgage credit report or other form of alternative credit verification . The preferred format is 0 x 30, 0 x 60, 0 x 90 days late. 70 0 obj <>/Encrypt 59 0 R/Filter/FlateDecode/ID[<1A8DB815CC0EFC1A30ADE6A7ECB0A671>]/Index[58 30]/Info 57 0 R/Length 71/Prev 104399/Root 60 0 R/Size 88/Type/XRef/W[1 2 1]>>stream information from other Fannie Mae published sources. Asked whether Becerra has decided to end the rule, a spokesperson for the Department of Health and Human Services said there was no update to share on the future of the requirement. Use your mobile device No matter where you are, Ask Poli is available. Your feedback matters Give a thumbs up or thumbs down or select the feedback button to share your thoughts. users may request Read-Only access to perform searches and print reports, but not to certify a Project or Phase. )WH8 \-@z#XJ5 1) (For best result, pose your search like a question. ]Lrhkw8P-BpsPSt%L Registration and Multifamily Affordability Estimator, Borrower, Guarantor, Key Principals, and Principals, Joint and Several Borrowers with Multiple Properties, Key Principals, Principals, and Guarantors, Subordination, Non-Disturbance and Attornment, Tenant Estoppel Certificate; Lease Modification, Acceptable Renewable Energy Generation Systems, Underwritten Net Cash Flow (Underwritten NCF), Property Previously Secured Bond Financing, Exception for Taxes, Assessments, or Other Lienable Items, Environmental Protection Lien Endorsement, Uniform Commercial Code (UCC) Financing Statements, Creating and Perfecting the Security Interest, Escrow Requirements for Taxes and Insurance, General Insurance Applies to All Policies, Blanket and Other Policies Covering Multiple Properties, Business Income (including Rental Value) Insurance, Boiler and Machinery / Equipment / Mechanical Breakdown Insurance, Risk Retention Groups and Captive Insurance, Directors and Officers Liability Insurance, Rehabilitation Work Costing More than $20,000 Per Unit, HPB Module, HPB Report, and Technical Solar Report Scoring, HPB Module, HPB Report, and Technical Solar Report Approval, Continuing Care Retirement Communities (CCRCs), Dependency and Medicaid Transition Reserve, Management, Operations, and Regulatory Compliance, Collateral; Tenant-Occupied and Affiliate-Owned Homes, Public Roadways, Private Interior Roadways, and Drives, Multifamily Affordable Housing Properties, Eligible Characteristics and Underwriting, Ineligible Characteristics and Underwriting, Affordable Regulatory Agreement Restrictions, Lien Priority and Title Insurance Policy, Restrictive Covenants and Affordable Regulatory Agreements, Additional Underwriting and Loan Documents, Properties with Both HAP Contracts and LIHTC Units, Refinancing Section 236 Properties IRP is Maintained, LIHTC Properties Lender Equity Interest, Transactions with Fannie Mae Debt and Equity Interests, Transactions Funded with Tax-Exempt Bond Proceeds, Fannie Mae Credit-Enhanced Tax-Exempt Bond Issuance, Borrowers, Key Principals, Guarantors, and Principals, Lender FHA Risk Sharing Reserve and Loss Sharing Modifications, Cooperative Market Rental Basis NCF (Underwritten NCF), Cooperative Market Rental Basis DSCR (Underwritten DSCR), Small Mortgage Loan Underwritten NCF (Underwritten NCF), Site Inspection by Lender or Other Third Party, Borrower, Key Principals, Guarantors, and Principals, ARM 5/5 Loan Optional 5-Year Adjustable Rate Term Renewal Eligibility, Structured Adjustable Rate Mortgage (SARM) Loans, Prepayment Option 1 Declining Prepayment Premium Schedule, Prepayment Option 2 - 1% Prepayment Premium Schedule, Including the Cap Cost Factor in the Variable Underwriting Rate, Interest Rate Cap Contract Documentation and Delivery, Hybrid Adjustable Rate Mortgage (Hybrid ARM) Loans, Split Mortgage Loans and Bifurcated Mortgage Loans, Bond Transactions and Credit Enhancement Mortgage Loans, Fannie Mae LIHTC Investment in Credit-Enhanced Bonds, Taxable Tails and Supplemental Mortgage Loans, Moderate Rehabilitation Mortgage Loan with Side-by-Side Bond Financing, Interest Rate Determination and Rate Lock, Third Party MBS Investor Delivery Scenarios, ARM 5/5 Optional 5-Year Adjustable Rate Term Renewal, Credit Enhancement Mortgage Loan Committing and Delivery, UCC Continuations, Amendments, and Terminations, Releasing/Reducing Letters of Credit or Other Collateral, Collection, Tracking and Reporting of Monthly P&I Payments and T&I Amounts, Reporting Loan Activity and Security Balance, Monthly Securitized Mortgage Loan Security Balance Reporting, Same Month Pooling Security Balance for First Reporting Cycle, Security Balances Due by Second Business Day, Monthly MBS Mortgage Loan Reconciliations - Pool-to-Security Balance Reconciliations (Not Applicable to PFP MBS), Required Annual Adjustment to Correct Principal Balance vs. Security Balance Difference, Pool-to-Security Reconciliation Certification, ARM Loan Interest Rate and Monthly Payment Changes, Adjustable Rate Mortgage Loan Interest Rate Changes and Required Monthly Payments, Monthly Reporting for ARM Loan Payment/Rate Changes, Delinquency Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Delinquency Advances on a Credit Enhancement Mortgage Loan, Servicing Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Servicing Advances on a Credit Enhancement Mortgage Loan, Duration of Payment of Delinquency Advances or Servicing Advances, Reimbursement for Delinquency and Servicing Advances, Repayment of Servicing Advances from Borrower, No Capitalization of Servicing Advances for Securitized Mortgage Loans, Monthly P&I Remittance Due Dates for Cash and MBS Transactions, Additional Requirements for Monthly Remittance for Security Transactions, Securitized Mortgage Loans Remitting Fees to Fannie Mae, Guaranty Fee Due on 7th Calendar Day of Month, Same Month Pooling Interest and Guaranty Fee Remittance for First Reporting Cycle, Notification to Fannie Mae if Unable to Have Funds Available on any Remittance Date, Review of Applicable Loan Documents Required, Notification of Prepayment; Timing of Prepayment, Notice and Timing Consistent with Loan Documents, Borrower Notice Must Contain Date of Intended Prepayment and Comply with Notice Requirements of the Loan Documents, Loan Document Requirements for Payoff and Lockout Dates, Notice to Fannie Mae of Proposed Payoff; Use of Fannie Mae Payoff Calculator, Timing of Confirmation of the Full Prepayment Payoff Amount, Full Prepayment for Cash Transactions and PFP MBS, Confirming the Full Prepayment Payoff Amount, Full Prepayment for Securitized Transactions (Not Applicable to PFP MBS), Partial Prepayments Not From Insurance or Condemnation Proceeds, Fannie Mae Approval Required for Partial Prepayments, Prepayment Premium Due on Partial Prepayment, Reporting and Remitting Partial Prepayments When Not Permitted in Loan Documents, Reporting and Remitting Partial Prepayments When Permitted in Loan Documents, Prepayments (Full or Partial) Involving Insurance Proceeds or Condemnation Awards, Reporting and Remitting Partial Prepayments, Yield Maintenance Prepayment Premiums Prepayment Occurs Before the Yield Maintenance Period End Date, Calculation of Investors Share of Total Prepayment Premium for a Securitized Mortgage Loan, Calculation of Fannie Maes Share of Total Prepayment Premium, Calculation of Servicers Share of Total Prepayment Premium, Yield Maintenance Prepayment Premiums Prepayment Occurs On or After the Yield Maintenance Period End Date, Prepayment On or After Yield Maintenance Period End Date, Fixed Rate Mortgage Loans with Graduated Prepayment Premiums, Prepayment Premiums for ARM Loans and Structured ARM Loans, Prepayment Premium Waivers; Servicers Share of Prepayment Premium, Servicer Notification of Payoff Amount to Borrower, Calculating and Obtaining Confirmation of Payoff Amount, Fannie Mae Will Not Confirm Nor Is Responsible for Amounts Owing to Servicer, Fannie Mae Confirmation of Full Payoff Amount, No Quote to Borrower Until Fannie Mae Confirmation, Reporting the Payoff and Remitting the Payoff Funds, Reporting Full Payoff Amount Through the eServicing System Due By 2nd Business Day of Month, Post Payoff Document Retention Requirements, DUS Bond Credit Enhancement Transactions Reporting and Remitting Requirements, Monthly Bond Credit Enhancement Reporting, Monthly Remittances of Scheduled Payments to Bond Trustee, Replenishment of Withdrawals from the PRF, Collection and Remittance of Borrower Reimbursement Obligations for Fannie Mae Advances, Notice and Collection of Other Fees and Expenses, Bond Redemption Premiums Payable to Bondholders, Termination Fee or Prepayment Premium Payable to Fannie Mae, Termination When No Prepayment Occurs; Weekly Variable Rate Transactions, Mortgage Loan Documents Must Permit Defeasance, Reporting Collateral Balances in Custodial Accounts, Internal Revenue Service Reporting Requirements, Notifying the Internal Revenue Service about Abandonments or Acquisitions (IRS Form 1099-A), Notifying the Internal Revenue Service about Cancellations of Indebtedness (IRS Form 1099-C), Coordination with Reporting Abandonments or Acquisitions, Borrower's T&I Impositions and Custodial Accounts, Asset Management: Loan Document Administration, Monitoring Compliance with Loan Documents, Delegation of Decision-Making Authority; Retention of Outside Legal Counsel, Execution of Documents by Servicer Limited Power of Attorney, Servicer Certification When Fannie Mae Approval Is Not Required, Servicer Certification When Fannie Mae Approval Is Required, Submitting the Request for Subordinate Financing, Funds as Additional Security for Mortgage Loan, Waiver or Modification of Terms of Collateral Agreement, Achievement Agreement or Other Agreement for Additional Collateral, Draws on Letters of Credit or Application of Other Collateral, Releasing Additional Escrows for Principal and Interest, Taxes and Insurance, and Replacement Reserves, Completion/Repair Loan Document Amendments, Green Rewards Efficiency Measure Verification, Replacement Reserve Loan Document Amendments, Modifications to Replacement Reserve Deposits, When Replacement Reserve Funding Was Partially or Fully Waived, Items Eligible for Funding from the Replacement Reserve, Items Not Eligible for Funding from the Replacement Reserve, Return of Replacement Reserve Funds to Borrower, Alternative Funding of Replacement Reserves for Portfolio Mortgage Loans, Replacement Interest Rate Hedge and Notification, Replacement Interest Rate Hedge Documents and Follow Up, Notice of Lien or Noncompliance with Applicable Laws, Ordinances and Regulations, No Financing for Property and Liability Insurance Premiums, Flood Map Changes; Obtaining Flood Insurance, Servicers Administrative Costs and Expenses, Casualty Losses Performing Mortgage Loans, Required Casualty Loss Property Inspection, Documentation for Required Casualty Loss Property Inspections, Endorsement of Insurance Loss Draft or Check When Payable to Fannie Mae, Endorsement of Insurance Loss Draft or Check When Not Payable to Fannie Mae, Insurance Loss Draft or Check Not Payable to Either Fannie Mae or Servicer, Borrowers Failure to Diligently Pursue Repair, Casualty Losses Non-Performing Mortgage Loans, Decisions Delegated by the Delegated Transaction Form 4636 series, Supplemental Mortgage Loans Not Permitted, Decisions and Actions Delegated and Not Delegated, Seniors Housing Expansion/Conversion Requests, Request Changes in Unit Count/Mix in the MAMP, Credit Enhancement Mortgage Loans and Multifamily Affordable Housing Properties, Compliance Issues Relative to Bond Credit Enhancement Transactions, Monitoring Compliance; Notification of Noncompliance, Default Notice for Failure to Comply with the Bond Documents, Multifamily Affordable Housing (MAH) Properties, HAP Contract Approval and Releasing Restabilization Reserve, MH Communities with Tenant Site Lease Protections, Quarterly Financial Analysis of Operations, Borrower Fails to Provide Guarantor Financial Reports, Secondary Risk Mortgage Loans and Primary Risk Mortgage Loans, Lender Tenders for Minor or Immaterial Defaults, Definition of Non-Performing Mortgage Loan, Partial Payments by Borrower Do Not Change Date of Default, Timing for Imposition of Late Charges and Default Interest, No Deduction for Late Charges or Default Interest, Enforceability of Late Charges and Default Interest, Notice to Fannie Mae of Performance Default, Full Payment After Expiration of Period Before Assessing Late Charges, Copies of Letters Sent to Borrower; Correspondence with Borrower, Capital Repairs and Protection of Property and Property Income, Funding Capital Repairs During Default Resolution, Documenting the Property Management Change, Reinstatement; Calculation of Payoff Amount, Non-Performing Primary Risk Mortgage Loans Transfers to Fannie Mae Special Asset Management, Non-Performing Secondary Risk Mortgage Loans Special Servicing, Servicer Performs Loss Mitigation Actions, Servicer Workout Action Template (SWAT), Special Servicing of Primary Risk Mortgage Loans, Fannie Mae Performs Loss Mitigation Actions, Election and Implementation of a Course of Action, Course of Action Lender Purchase of Mortgage Loan, Course of Action Lender Workout Election, Documentation and Terms of Lender Workout, Lender Workout Has No Impact on Loss Sharing or Recourse Obligation, Servicer Makes Delinquency Advances But Fails to Report Mortgage Loan Delinquent, Foreclosure Process Continues Unless Otherwise Agreed to by Fannie Mae, Delinquency Advances Must Be Made During Negotiation of Joint Workout, Modification, Extension, and Forbearance Fees, Management of Property Post Title Vesting in Fannie Mae, Course of Action Note Sale Election or Discounted Loan Payoff, Note Sale and Discounted Loan Payoff Defined, Any Note Sale or Discounted Payoff Gives Rise to Loss Sharing Event, Note Sale Secondary Risk Mortgage Loans, Discounted Loan Payoff - Secondary Risk Mortgage Loans, Calendar Days 31 through 60 after a Payment Default or Performance Default, No Disclosure of Lenders Contract Terms to Borrower; Borrower Not a Third-Party Beneficiary of Lender Contract, Asset Audits for Secondary Risk Mortgage Loans, Special Requirements for the Environmental Assessment, Loss Sharing and the Appraisal Process in connection with a Foreclosure Event, Appraisal Notice and Election of Appraisal Methodology.

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