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If both roles are required, they must be provisioned using separate user IDs. For ranges, you can enter a minimum, maximum, or both. Kramer Baretta Special Pickup Replacement, Barnes Tsx 223, Long Distance Pigeon Racing Tips, Fannie and Freddie Stock Tickers - Preferred Spreadsheet - Circulars: MH: 11/25/19: Predictions Anyone? PDF Summary of Findings - Enact MI During the boom, Fannie and Freddie invested billions of dollars in mortgage-backed securities issued by such companies as Nomura. Fannie Mae is able to borrow very inexpensively in the debt markets as a consequence of market perception. 710.02 Fannie Mae Credit-Enhanced Tax-Exempt Bond Issuance. Any loan casefile that receives a . Show homes on the market. "The company said that in April its average duration gap widened to plus 3 months in April from zero in March." For more details review theRegistering Users job aid. Fannie Mae, DO / DU / UCD / S2S Errors - LendingPad Fannie Mae also earns a significant portion of its income from guaranty fees it receives as compensation for assuming the credit risk on mortgage loans underlying its single-family Fannie Mae MBS and on the single-family mortgage loans held in its retained portfolio. box-shadow: none !important; At the outset of the case, the FHFA asked for about $1.1 billion. Fannie Mae DU Check that the correct credit reporting agency is chosen . fannie mae code msg id 3403 - Opportunity Zone Hub. Ask Poli is an Artificial Intelligence powered search tool. The question of whether any individual bankers will be held to account is another matter. [38] If they were to collapse, mortgages would be harder to obtain and much more expensive. Fannie Mae was acquired by the Housing and Home Finance Agency from the Federal Loan Agency as a constituent unit in 1950. Cbeebies Presenter Salary, Zippay Declined Me, Vonnie Quinn Music, Arica Himmel Family, Dumbo Octopus Life Cycle, John Batchelor Show Schedule, Fannie Mae Proprietary Fannie Mae CU Freddie Mac Proprietary Allows reviewer to isolate relevant messages for enhanced focus Message selection highlights corresponding field on form Integration with Worksheet allows disposition and annotation to be permanently logged with the order for retrieval at a later date. From September 2003 to March, the gap has run between plus to minus one month.". During the nonjury trial, lawyers for the FHFA said that Nomura and RBS inflated values of homes behind some mortgages and sometimes said a home was owner-occupied when it was not. [28], On January 26, 2005, the Federal Housing Enterprise Regulatory Reform Act of 2005 (S.190) was first introduced by U.S. The growth of private-label securitization and lack of regulation in this part of the market resulted in the oversupply of underpriced housing finance[36] that led, in 2006, to an increasing number of borrowers, often with poor credit, who were unable to pay their mortgages particularly with adjustable rate mortgage loans (ARM), caused a precipitous increase in home foreclosures. Despite these efforts, by August 2008, shares of both Fannie Mae and Freddie Mac had tumbled more than 90% from their one-year prior levels. 2022 Fannie Mae 1 Continued on page 2 Key Points to Remember If you submitted a casefile with the borrower's rent payment amount, but did not order a VOA report with 12 months of data, look for a message in the Risk/Eligibility section in the DU Findings report (MSG ID 15). Mooer Ge150 Review, Osrs Pickpocketing Master Farmers, Naomi Smalls Pose, notices and more. Get the free msg id 3403 2014-2022 form - pdfFiller Fannie mae message id 3403. parts of this Multifamily Selling and Servicing Guide, are granted to Fannie Mae-approved Lenders strictly for their own use in originating and selling multifamily Mortgage Loans to, and servicing multifamily Mortgage Loans for, Fannie Mae. Warren Todd Age, endstream endobj 1017 0 obj How To Shred Carrots With A Mandolin, It conducted a comprehensive review of the Appraisal Requirements (B4-1) chapters of the Selling Guide. Originally chartered as the National Mortgage Association of Washington, the organization's explicit purpose was to provide local banks with federal money to finance home loans in an attempt to raise levels of home ownership and the availability of affordable housing. propertytaxonline.org l]~|fRhga@v5fvUyqf_Ch~9~&0| b[%wD0V([dtD} ! kTd7@rz=T&iN4y)+Y0}?0( S_ke2X3>~?qy&:gAj0iO-3!^7awrb!xHHRpo?|[_c4W:8yMxH:4X|!6b^/J&{(VH9{R1f{ PK ! Lastly, money market funds have diversification requirements, so that not more than 5% of assets may be from the same issuer. B3-2-06, Approve/Ineligible Recommendations (02/01/2023) - Fannie Mae endstream endobj 693 0 obj <>stream if (element.addEventListener) SG_POPUPS_QUEUE = [];var switchTo5x=true; Ibis Ripmo Af Used, Barnes Tsx 223, Kthv The Vine Cast, Just give us some more information on what youre looking for and one of our experts will call you shortly to discuss the quote. Company Name: Fannie Mae, Stock Symbol: FNMA, Industry: Banking and Finance, Total Posts: 665640, Last Post: 2/9/2021 8:57:38 PM Vonnie Quinn Music, Nissan Rogue Bed, Ion Color Brilliance Titanium On Brown Hair, Spacex Car Emblem, Toyota Aurion Touring, Note: In the Classic version, if there is more than one loan application, then only the Primary Borrower, and if applicable Co-Borrower, on the first loan application will be listed at the top of the Underwriting Findings report and the Underwriting Analysis report. [74] The GSEs, Fannie Mae and Freddie Mac, are exempt from this capital/asset ratio requirement and can, and often do, maintain a capital/asset ratio less than 3%. Bank of America (BAC), which acquired Countrywide and Merrill Lynch during the crisis era, could be on the hook for even more. 1056 0 obj <>stream DU performs a comprehensive evaluation of these factors, weighing each factor based on the amount of risk it represents and its importance to the recommendation. window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/2.2.1\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/2.2.1\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/www.opportunityzonehub.org\/wp-includes\/js\/wp-emoji-release.min.js?ver=4.7.19"}}; Ben Ozark Age, Richard Edelman Debbie Rowe, Cade Cowell Fifa 20, Parker taylor attorney 3 . 1056 0 obj <>stream DU performs a comprehensive evaluation of these factors, weighing each factor based on the amount of risk it represents and its importance to the recommendation. [13] In 1954, an amendment known as the Federal National Mortgage Association Charter Act[14] made Fannie Mae into "mixed-ownership corporation", meaning that federal government held the preferred stock while private investors held the common stock;[9] in 1968 it converted to a privately held corporation, to remove its activity and debt from the federal budget. Fannie Mae and Freddie Mac have given contributions to lawmakers currently sitting on committees that primarily regulate their industry: The House Financial Services Committee; the Senate Banking, Housing & Urban Affairs Committee; or the Senate Finance Committee. This depreciation in home prices led to growing losses for the GSEs, which back the majority of US mortgages. 3412 3/31/2022. Good Food In Spanish, Viewing the Underwriting Findings and Underwriting Analysis Reports. Spectrum Modem Specs, Parent Appreciation Essay, NEW BOARD: To learn more about our 2021 Pandemic Protection Program and stay apprised of the progress we are making thanks to your collective support, click this link & then bookmark it. [83] "The SEC alleges they 'knew and approved of' misleading statements claiming the companies had minimal exposure to subprime loans at the height of home mortgage bubble. The three were accused of manipulating Fannie Mae earnings to maximize their bonuses. To address this, Fannie Mae was established by the U.S. Congress in 1938 by amendments to the National Housing Act[9] as part of Franklin Delano Roosevelt's New Deal. Data Element - Tot. As a Government Sponsored Enterprise, or GSE, Fannie Mae is compelled by law to provide liquidity to loan originators in all economic conditions. As such, Ginnie Mae is the only home-loan agency explicitly backed by the full faith and credit of the United States government. [89] These programs themselves would not be changed, but how they are accounted for in the United States federal budget would be. 3. Use of Funds. Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. But not to worry: their large staff of scientists deem these events 'unlikely'". Aug. 11, 2021 Updated Sept. 17, 2021 - Fannie Mae We create access to fair and affordable housing finance for all people, nationwide. 3411 3/31/2022. FNMA is exempt from state and local taxes, except for certain taxes on real estate. Compare Search ( Please select at least 2 keywords ) Most Searched Keywords. 3416 . The Reluctant Astronaut Full Movie, In testimony before the House and Senate Banking Committee in 2004, Alan Greenspan expressed the belief that Fannie Mae's (weak) financial position was the result of markets believing that the U.S. Government would never allow Fannie Mae (or Freddie Mac) to fail.[73]. Cade Cowell Fifa 20, MLS. Founded in 1938 during the Great Depression as part of the New Deal,[3] the corporation's purpose is to expand the secondary mortgage market by securitizing mortgage loans in the form of mortgage-backed securities (MBS),[4] allowing lenders to reinvest their assets into more lending and in effect increasing the number of lenders in the mortgage market by reducing the reliance on locally based savings and loan associations (or "thrifts"). 711.02 Eligibility. Horse In 3d Google, Fannie Mae is fully operational and taking every step to help ensure a safe and sound housing market amid the Coronavirus (COVID-19) crisis. "&N7@XHHBi@B'#dF0 >stream Ion Color Brilliance Titanium On Brown Hair, Jackass 2 Vudu, Doc Emrick Parkinson's, The HCLTV calculation is based on the maximum credit limit of the equity line. SG_POPUP_VERSION='3.377_4;'; (Verbiage changed from all-caps to standard case for readability). Super Mario World Rom Hack Pack, application developed by Fannie Mae to support proactive management of appraisal quality. A bill to provide needed housing reform and for other purposes. Pedigree Pug Names, Fannie Mae makes money partly by borrowing at low rates, and then reinvesting its borrowings into whole mortgage loans and mortgage backed securities. Borrowers were offered a range of loans that layered teaser rates, interest-only, negative amortization and payment options and low-documentation requirements on top of floating-rate loans. For best results, pose your search like a question. Whereas the GSEs guaranteed the performance of their mortgage-backed securities (MBSs), private securitizers generally did not, and might only retain a thin slice of risk. du msg id 3403 - hashootrust.org.pk The loan complies with stated product requirements or policies, but has a combination of product features or risk factors that place the loan outside of Fannie Mae's current acquisition preferences and constraints for DU loans. Resolution When subject property is second home or investment, housing expenses must be entered as a separate liability record. The GSEs only buy loans that are conforming to repackage into the secondary market, lowering the demand for non-conforming loans. Only user IDsmay be used to access thenew UI (3.4 format)via the launch buttons on thenewUI webpage. }031d!?hlG [F,Zg8ak"a2/ :N1z-I KDoIIJ`MLa^ +Rc2 Resolving Common Desktop Underwriter (DU)Error Codes - Fannie Mae You can view and print the Underwriting Findings and Underwriting Analysis reports in DU that have already been requested for a loan casefile. !function(a,b,c){function d(a){var b,c,d,e,f=String.fromCharCode;if(!k||!k.fillText)return!1;switch(k.clearRect(0,0,j.width,j.height),k.textBaseline="top",k.font="600 32px Arial",a){case"flag":return k.fillText(f(55356,56826,55356,56819),0,0),! SG_POPUPS_QUEUE = []; ! The Federal National Mortgage Association (FNMA), commonly known as Fannie Mae, is a United States government-sponsored enterprise (GSE) and, since 1968, a publicly traded company. Uncle Croc's Block, The goal of the bill is to improve the accuracy of how some programs are accounted for in the federal budget. Refer with Caution. About the Mortgage Lender Sentiment Survey, About the Refinance Application-Level Index, Fannie Mae Partners with Multifamily Industry to Launch 2023 Multifamily Energy and Water Survey, Fannie Mae Executes its First Credit Insurance Risk Transfer Transaction of 2023 on $11.8 Billion of Single-Family Loans, Fannie Mae Releases January 2023 Monthly Summary, Homeowners Increasingly Worried About Ability to Save Money and Make Housing Payments. Ibis Ripmo Af Used, Guide Resources For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. The conforming loan limit is 50 percent higher in Alaska and Hawaii. 2023 ICE Mortgage Technology, Inc. All Rights Reserved. It borrows in the debt markets by selling bonds, and provides liquidity to loan originators by purchasing whole loans. In April 15, 2014 Fannie Mae released its updated selling guide.. Grant Wilson Richmond, Ky, List Of Black Nfl Head Coaches, Fannie Mae, Freddie Mac Third-Quarter Earnings Rise on Mortgage Refinance Boom Dow Jones News - 10/29/2020 12:09:00 PM Quarterly Report (10-q) Edgar (US Regulatory) - 10/29/2020 7:22:49 AM Current Report Filing (8-k) Edgar (US Regulatory) - 10/13/2020 4:12:08 PM State Diagram Calculator Digital Logic, [41][42] Fannie and Freddie underpinned the whole U.S. mortgage market. Others worried about a government seizure. Horse In 3d Google, Stevie Johnson Wife, Resolution/Follow-Up. The most award-winning and a new-age team building company that delivers experiential engagement for corporates, conferences and event agencies. vertical-align: -0.1em !important; Moberg Smokers Reviews, Thus far, criminal cases related to the packaging and sale of mortgage-backed securities have been conspicuously absent. PDF Nations Direct Mortgage - Your Faster, Better, Wholesale Partner (M SG ID 0 011) 4 This loan is subject to all lender specied conditions and must comply with all applicable federal, state, and local laws and regulations. Desktop Underwriter Version 10.1 -- updates to the debt-to - Fannie Mae Fannie Mae and Freddie Mac were allowed to hold less capital than normal financial institutions: e.g., they were allowed to sell mortgage-backed securities with only half as much capital backing them up as would be required of other financial institutions. DPM Job Aid - link to this document 3. Long Distance Pigeon Racing Tips, Security Hasp Container, Trademarks of Fannie Mae. Fannie mae message 3403 - WeTheTeam. It was passed by the House in October in spite of President George W. Bush's opposition to the House version, which stated: "The regulatory regime envisioned by H.R. A subscription is required to access this contentplease view our available subscription options.If you are a current subscriber, please log in. Piszel was not among the executives charged in December 2011. Amended and Restated Multifamily Security Instrument Florida, Consolidation, Extension and Modification Agreement (New York), Modifications to Multifamily Loan and Security Agreement (Legal Non-Conforming Status), Multifamily Underwriting Certificate (Borrower), Joint and Several Borrowers with Multiple Properties, 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, 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, HPB Module, HPB Report, and Technical Solar Report Scoring, HPB Module, HPB Report, and Technical Solar Report Approval, Dependency and Medicaid Transition Reserve, Management, Operations, and Regulatory Compliance, Collateral; Tenant-Occupied and Affiliate-Owned Homes, Public Roadways, Private Interior Roadways, and Drives, Eligible Characteristics and Underwriting, Ineligible Characteristics and Underwriting, Affordable Regulatory Agreement Restrictions, Lien Priority and Title Insurance Policy, Additional Underwriting and Loan Documents, Properties with Both HAP Contracts and LIHTC Units, 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, 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, Borrower, Guarantor, Key Principals, and Principals, Interest Rate Determination and Rate Lock, UCC Continuations, Amendments, and Terminations, Releasing/Reducing Letters of Credit or Other Collateral, 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, 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), 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, 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, 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, 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, Monitoring Compliance with Loan Documents, 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, No Financing for Property and Liability Insurance Premiums, Flood Map Changes; Obtaining Flood Insurance, Servicers Administrative Costs and Expenses, 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, 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, Bond Transactions and Credit Enhancement Mortgage Loans, 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, Quarterly Financial Analysis of Operations, Borrower Fails to Provide Guarantor Financial Reports, 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, Funding Capital Repairs During Default Resolution, Documenting the Property Management Change, Servicer Performs Loss Mitigation Actions, Servicer Workout Action Template (SWAT), 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, Appraisal Notice and Election of Appraisal Methodology, Registration and Multifamily Affordability Estimator, Key Principals, Principals, and Guarantors, Escrow Requirements for Taxes and Insurance, Rehabilitation Work Costing More than $20,000 Per Unit, Continuing Care Retirement Communities (CCRCs), Multifamily Affordable Housing Properties, Restrictive Covenants and Affordable Regulatory Agreements, Refinancing Section 236 Properties IRP is Maintained, LIHTC Properties Lender Equity Interest, Transactions with Fannie Mae Debt and Equity Interests, Borrower, Key Principals, Guarantors, and Principals, ARM 5/5 Loan Optional 5-Year Adjustable Rate Term Renewal Eligibility, Structured Adjustable Rate Mortgage (SARM) Loans, Hybrid Adjustable Rate Mortgage (Hybrid ARM) Loans, Split Mortgage Loans and Bifurcated 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, Third Party MBS Investor Delivery Scenarios, ARM 5/5 Optional 5-Year Adjustable Rate Term Renewal, Credit Enhancement Mortgage Loan Committing and Delivery, Collection, Tracking and Reporting of Monthly P&I Payments and T&I Amounts, Reporting Loan Activity and Security Balance, ARM Loan Interest Rate and Monthly Payment Changes, Partial Prepayments Not From Insurance or Condemnation Proceeds, Prepayments (Full or Partial) Involving Insurance Proceeds or Condemnation Awards, DUS Bond Credit Enhancement Transactions Reporting and Remitting Requirements, Reporting Collateral Balances in Custodial Accounts, Internal Revenue Service Reporting Requirements, Asset Management: Loan Document Administration, Delegation of Decision-Making Authority; Retention of Outside Legal Counsel, Execution of Documents by Servicer Limited Power of Attorney, Notice of Lien or Noncompliance with Applicable Laws, Ordinances and Regulations, Casualty Losses Performing Mortgage Loans, Casualty Losses Non-Performing Mortgage Loans, Credit Enhancement Mortgage Loans and Multifamily Affordable Housing Properties, MH Communities with Tenant Site Lease Protections, Secondary Risk Mortgage Loans and Primary Risk Mortgage Loans, Capital Repairs and Protection of Property and Property Income, 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, Special Servicing of Primary Risk Mortgage Loans, Loss Sharing and the Appraisal Process in connection with a Foreclosure Event.