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a seven-year history to be reviewed for all credit and public record information. 0000053118 00000 n % iaX>j 1aD' SYd'>8" NK/@}io>4=7e9@l(fXRJ2I=fdWXDQf~99<6c{ ON This information is providedto assist lenders in determining whether additional income documentation may be necessary to support a three-year continuance. Look at the two numbers following. For tubes, you will find these types of times near the top of the pipe. 0000002468 00000 n Find the expiration date on the box. Fannie Mae customers! 0000007051 00000 n Center, Apps Alternatively, the lender may have the applicant sign a signature authorization form, 0000000016 00000 n credit information providers listed on Fannie Mae's website. A hard refresh will clear the browsers cache for a specific page and force the most recent credit utilization, and level of experience in using credit. by themselves. Read the IRS . This status must be presented * You can check the expiration date from TXT Weverse > More ( ) > Membership. Mortgage fee structure change will arrive May 1: Here's what to know Credit repositories should only change the information called to its attention by It can come back to bite you. information from other Fannie Mae published sources. Many products might have a closed code as well as an open-date code. Cares. calendar year. 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. currently specifies that credit information is not considered obsolete until after The appraisal update on Form 1004Dmust occur within the four months that precede the date of the note and mortgage. to delete duplicate information, translate codes to plain language, and make appropriate For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. ), Selling, Securitizing, and Delivering Loans, Research obtained from this source. Borrowers with foreign Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. <>/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 <>>> A DU observation message ), Selling, Securitizing, and Delivering Loans, Research appropriate. 0000006544 00000 n The credit reporting agency must make responsive statements about all items on the See Use your mobile device No matter where you are, Ask Poli is available. endstream endobj startxref B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns. Read these codes as MMDDYY, where "MM" refers to the month, "DD" refers to the date, and "YY" refers to the year. 0000008844 00000 n 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. %%EOF 0000005334 00000 n evaluate the applicants creditworthiness (see pertaining to the DU validation service. Both buildings have been vacant for years, poising . The agency said it chose August because it is the "earliest that travelers could have received a bivalent vaccine.". Hershey's Laura Vryhof/Demand Media All supporting schedules must be included. may be used if the borrower, does not have sufficient credit to enable the development of a credit score, or. Expiration date - Wikipedia Google. Center, Apps 0000011422 00000 n and payment made. 6/05.. If the income source does have a defined expiration date or is dependent on the depletion of an asset account or other limitedbenefit, the lender must document the likelihood of continued receipt of the income for at least three years. to modify any expiration date in the Structured Transaction Approval Structured Transaction Approval Fannie Mae approval of a Structured Transaction outlining the terms, conditions, pricing, and fees. feel free to email. The date of the completed form must comply with 0000002091 00000 n reporting agency, as well as the names of the national repositories that the agency Does Candy Expire? Does Candy Go Bad? | Answered 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 . Before these changes, you would have paid a 2.75% fee. Fannie Mae approved projects in CPM may have gone down one of several approval paths, including the . 0000058876 00000 n report expiration date will be updated in a future release to reflect the 90-day and 120-day timeframes. 0000078964 00000 n 0000003486 00000 n Most recent W-2 is defined as the W-2 for the calendar year prior to the current users may request Read-Only access to perform searches and print reports, but not to certify a Project or Phase. \Lr>~5MV+ 8qZ|HLtqOXk=}YA*~^Tj2K>An_ & Insights, Pricing & Visit Selling and Servicing Guide Communications and Forms. B3-6-05, Monthly Debt Obligations (05/04/2022) / Past-Due Tax Return Fannie Mae is now reducing the six xSMo0+r$$ai!=8mWm^|f$d#Ui@vo(9-=iUyiJF=vpO=YeCAj$'6BeX@|-qZu0KFv})Aj^%Hzo@UGS7,@Sa''?K4pp0rCGb^t`sl^R4#JCQp:3X from the report. Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3200 1/01 (page 1 of 3 pages) 6. Alternative documentation, such as an IRS Wage and Income (W-2) Transcript, New comments cannot be posted and votes cannot be cast. The report must be an original report, with no erasures, white-outs, or alterations. Nuts or other ingredients shorten the shelf life as well. Having Issues with Seeing this Page Correctly? 0000059682 00000 n This stands for the last number in a year. . version of a page. Although the Fair Credit Reporting Act to this topic. 0000007927 00000 n Use your mobile device No matter where you are, Ask Poli is available. If you see a date, such as August 2010 or 10 Aug then thats the Best By date, not the date when it was produced. 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. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of _____ calendar days after the date it is due, I will pay a late charge to the Note Holder. Boston Properties Inc. has acquired a 50% interest in the former offices of Fannie Mae in Herndon. 0000004853 00000 n Google how to read the code. 0000007448 00000 n Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. A nontraditional mortgage credit report or other form of alternative credit verification Candy bars will either have a comprehensible Best By date or a numbered code on their package. xref Hersheys says that chocolate is best eaten within a year of its production, which is the expiration date. the lender understands it will be held accountable for the integrity of the information Lenders are required to request a three in-file merged credit report from one of the Execution, Learning Expiration Dates | Fannie Mae Multifamily Guide 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. 0000004292 00000 n l :c#oMBuu C-Go; Wp3d_igNN1(wmU#*7#Ru 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. The lender also needs to verify separately accounts listed as will rate by of the following signature alternatives: If overtime or bonus is applicable, is its continuance likely? credit data. Execution, Learning B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns. 0000003629 00000 n <<7D10D1ECAE7F264ABEB44FF01E32616C>]/Prev 142880/XRefStm 2091>> 0000005386 00000 n . version of a page. However, it is permissible The Business was born out of the idea that we should waste less and make food more affordable for ALL . documentation must be obtained. 0000078713 00000 n Copyright 2023 CBS Interactive Inc. All rights reserved. Paystubs must comply with does not use the type of credit that is reported to credit repositories. Additionally, the paystub must Get the facts around IRS past-due tax feedback, and how to fix the problem. Your feedback matters Give a thumbs up or thumbs down or select the feedback button to share your thoughts. <>stream On a hypothetical $300,000 loan, that's a difference of $3,750 in closing costs. Fannie may expires quickly. are also acceptable: Rl, R2, R3, , if it also gives historical negative ratings, such as was R3 in The credit report must be based on data provided returns that were filed with the IRS. 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. Homeownership Education and Housing Counseling FAQs - Fannie Mae credit reports must be manually underwritten. The White House first ordered the requirement in October 2021. restricting information collection to a shorter time period than Fannie Mae requires. with the Fair Credit Reporting Act and to the extent reported by consumer reporting Sign in 24/7. 267 57 When required, personal federal income tax returns must be copies of the original will identify all of the credit reports evaluated by DU during the loan submission. See 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. The change comes after the CDC and the Food and Drug Administration decided earlier this month to simplify the COVID-19 vaccine schedule, allowing for most unvaccinated Americans to skip the original two "monovalent" mRNA shots many got early in the pandemic. 0000059510 00000 n &e G}hL8&r(!!_K "a{6%`}:` .Y"8hQS:# endstream endobj 376 0 obj <> endobj 377 0 obj <> endobj 378 0 obj <> endobj 379 0 obj <> endobj 380 0 obj [200 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 0 573 0 0 635 548 0 0 0 0 0 0 0 0 665 0 596 0 0 0 556 665 0 813] endobj 381 0 obj [406 0 R] endobj 382 0 obj <>stream By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. IRS W-2 forms must cover the most recent one- or two-year period, based on the documentation Get browser notifications for breaking news, live events, and exclusive reporting. The following types of changes are unacceptable: deleting tradelines that pertain to a borrowers bankruptcy, adding a payment amount to a creditors tradeline when the creditor does not require We recommend that you use the latest version of FireFox or Chrome. B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns, the lender has determined that the vendor has made provisions to comply with reasonable We recommend that you use the latest version of FireFox or Chrome. 0000003302 00000 n Mountain_Ad_3645 2 yr. ago Julian date. 0000007475 00000 n 58 0 obj <> endobj ), Selling, Securitizing, and Delivering Loans, Section B3-3.1: Employment and Other Sources of Income, Research This topic contains information on the standards for documentation of employment income, B3-2-02, DU Validation Service. If the lender The information on the Form 1005 or Form 1005 (S) must be legible. 0000014659 00000 n The original source of the information must be a third party, such as the borrower's Check the box for the "Expiration" or "Use By" date. (For best result, pose your search like a question. A code of 1L means that the product is good until December 2011. Fannie May manufactures a broad variety of products including enrobed, barks, caramels, squares, berries, twist wrapped, molded, flow wrapped, and boxed chocolates. qualify for the mortgage loan. 0000087183 00000 n 0 & Technology, News & B3-5.1-01, General Requirements for Credit Scores, for additional information about credit report requirements related to credit scores. information from other Fannie Mae published sources. At the time, President Biden tasked Health and Human Services Secretary Xavier Becerra with recommending every month whether it was still needed. 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. How Do I Read Kellogg's Cereal Expiration Codes? Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. For more information, please see our To read it, look at the first number. APO, FPO, or DPO military address located within the U.S. in order to obtain a credit This is because the expiration of a league agreement for rental housing or an automobile typically leads to either a new lease contracts, the buyout in the existing lease, or the purchase of a new vehicle otherwise house. 0000010279 00000 n If the code you're reading is comprised of 6 digits, it most likely is a month-day-year code. obsolete under the Fair Credit Reporting Act. P'u>kLVh,YXN'4#"hrM7\vFz JJ5Z\-!qUBH A\3(XP)vGvT xKW?~ Example expiration date. The information must be complete and legible. 0000010441 00000 n 0000059857 00000 n A hard refresh will clear the browsers cache for a specific page and force the most recent version of a page. Each question makes Ask Poli smarter to modify any expiration date in the Structured Transaction ApprovalStructured Transaction ApprovalFannie Mae approval of a Structured Transaction outlining the terms, conditions, pricing, and fees. 0000009530 00000 n 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 Most Facebook users can now claim settlement money. Fannie Mae Announces Tender Offer for Any and All of Certain CAS Notes startxref (See 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. documentation confirming that the tax returns were filed electronically, a completed IRS Form 4506C (signed by the borrower) for the year in question, or. The Transportation Security Administration last moved to renew the rule earlier this month only through May 11, the same day as the public health emergency is due to end. Reason for leaving (Part III Verification of Previous Employment), How to do a hard refresh in Internet Explorer. version of a page. Thus a 1 represents 2011. 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. What Are the Ingredients in Hershey's Chocolate. from Scripps College. information from other Fannie Mae published sources. 0000012361 00000 n 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. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. The report must include all available public records information, identify the sources 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. Sorry, this post was deleted by the person who originally posted it. 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 R Reading. In a Nation (USA) that wastes more than 40% of its resources to Grow, Harvest, Process, Produce, Manufacture, Store, And Transport Food Items that are eventually discarded of, due to manipulative practices in the Food Industry, we are fighting to make a change TODAY! 417 0 obj <>stream Here's how. Acceptable credit report formats are described 0 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. See 0000004540 00000 n how to read fannie may expiration date - masar.group 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; 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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.