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</body></html>";s:4:"text";s:26835:"Fannie Mae Executes its First Credit Insurance Risk Transfer Transaction of 2023 on $11.8 Billion of Single-Family Loans February 27, 2023 Fannie Mae Releases January 2023 Monthly Summary Authenticate when taken and that such photos or video were not altered in any way. & Insights, Pricing & the date that it initiates foreclosure proceedings, or. 0
final inspection? When a property securing a mortgage loan experiences an insured loss, the servicer must ensure the proof of loss claim is filed within the time period specified in the insurance policy and monitor the disbursement of insurance loss proceeds (see Disbursing Insurance Loss Proceeds Based on the Mortgage Loan Status and the Borrowers Intent for additional information). When a successful submission to UCDP is received by only one Agency, then follow the guidance below: o When using DU, a successful UCDP document file status is required from Fannie Mae. Step. Borrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing construction. ), Selling, Securitizing, and Delivering Loans, Chapter B4-1: Property Assessment and Valuation, Research A hard refresh will clear the browsers cache for a specific page and force the most recent Receipts are not necessary if the loss proceeds are less than or equal to $40,000. The lender must obtain one of the following for the new loan: a verbal verification of employment for employment or self-employment income for at least one borrower, documentation of a non-employment income source, or. Note: For remote inspections conducted by video call with the borrower, the servicer must retain video and/or photo records of the call that clearly document the servicers compliance with the above requirements. is current and/or the property is occupied, determine if inspections are necessary and whether it should pursue other actions, If you still have Technical Support questions, Theinspection and results of the appraisal update must be reported on the Appraisal Update and/or Completion Report (Form 1004D). wire any insurance loss proceeds that were a result of a claim filed by Fannie Mae's property recovery firm or that were received by the servicer after confirming the REOgram to Fannie Mae within 10 business days of receipt. The servicer must follow the procedures in Reimbursement for Property Inspections Execution, Learning Requirements for HomeStyle Energy Improvements on Existing Construction. The lender must determine that all eligibility requirements are met for manually underwritten loans. Access forms, announcements, lender letters, notices, and more to stay current on our servicing policies. Once a certificate of completion is obtained, the lender must release the final draw from the escrow account, which should include any funds in excess of the amount needed to pay for completion of the postponed items. For traditional appraisals of one-unit properties in condo projects based on interior and exterior property inspections. Conduct a final inspection to ensure all repairs are completed if the mortgage loan is 31 days or more delinquent at the time of the loss event. For appraisal updates and/or completion reports for all one- to four-unit properties. Review and approve the final plans for repair, including obtaining the necessary bids to repair the property. Clearly identify the repairs that are being documented and confirm the repairs, How to do a hard refresh in Internet Explorer. House report on REPORT ON THE ACTIVITY OF THE COMMITTEE ON FINANCIAL SERVICES OF THE UNITED STATES HOUSE OF REPRESENTATIVES FOR THE ONE HUNDRED AND SEVENTEENTH CONGRESS. insurance coverage is being maintained. applicable law allows for the accumulated interest to be applied to the UPB. Lenders must obtain and review a merged credit report in accordance with standard Selling Guide policies for payment history and pricing purposes. the borrower is performing under the applicable bankruptcy plan. Fannie Mae's project approval process is accepted by many institutional investors. Submit a Report of Property Insurance Loss (Form 176) to Fannie Maes SF CPM division (see F-4-02, List of Contacts within five business days of the servicer receiving notification of the damages. According to the 2021 FHA appraisal guidelines, all properties being purchased with an FHA-insured mortgage loan must be appraised by a licensed, HUD-approved home appraiser. on the borrowers action. Lenders and borrowers must execute an escrow agreement that states how the escrow account will be managed and how funds from the escrow account will be disbursed. Revised the General Inspection Requirements section to align with the appraiser requirements stated in the Appraisal Management Policy. or the need for urgent repairs, the servicer must remind the borrower of their obligation Note: Required for case numbers . An electronic signature is acceptable when obtaining a signed copy of the inspection & Technology, News & This certification clarifies that such other parties include the borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government-sponsored enterprises, and other secondary market participants. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. The appraisers analysis should go beyond any limitations of the forms, with additional comments and exhibits being used if they are needed to adequately describe the subject property, document the analysis and valuation process, or support the appraisers conclusions. Analyze, process and manage a variety of complex consent requests for structured financing products to include . Otherwise, Form 1007 is not required. The following table outlines the type of inspection the servicer must perform depending The table below provides references to the Announcements that have been issued that are related to this topic. In general, the home inspection requirements for Fannie Mae are meant to protect the borrower and the lender. Lenders must take the necessary steps to confirm that a property meets Fannie Mae's condition requirements as outlined in this topic. COVID-19 Safety Policy for On-Site Inspections Until further notice, all Inspections must follow Fannie Mae's COVID-19 Safety Policy rules. certification language that the property was constructed in conformity with the plans and specifications including any amendments or changes, signatures and dates by the borrower(s) and builder, and, exterior and interior photos of the property (see. QRPC has been established within the last 30 days. and submit a recommendation for further action to its Fannie Mae Servicing Representative an MBS mortgage loan serviced under the special servicing option. Delivery method and timing . The lender is not required to ensure that the borrower has had these items repaired prior to sale of the loan to Fannie Mae when the appraisal is completed "as-is.". Disburse the insurance loss proceeds in accordance with this, Deposit any funds not disbursed into an interest-bearing account (see. Ensure a full and accurate review of income, assets, credit reports, title, hazard insurance, notes, appraisals for Fannie Mae (DU), Freddie Mac (LP) and Non-QM loan programs for W2 wage-earners . Ensure that the borrower is not involved in or party to litigation other than foreclosure or bankruptcy involving the subject property or mortgage loan. Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. This may include but is not limited to foundation settlement, water seepage, active roof leaks, worn roof shingles, inadequate electrical service or plumbing fixtures, etc. . The completion escrow may not adversely affect the mortgage insurance or title insurance. Fannie Mae customers! The servicer must remit insurance loss proceeds to Fannie Mae depending upon the circumstance of the mortgage loan, as outlined in the following table. must determine what action the first lien mortgage loan servicer intends to take. Lenders must review the appraisal to ensure that the property does not have minor conditions or deferred maintenance items that affect the safety, soundness, or structural integrity of the subject property. Miami, Florida, United States. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. were completed in accordance with the insurance adjusters itemized estimate and the repair plan, and. it must contact the first lien mortgage loan servicer to determine when the property Center, Apps For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. information from other Fannie Mae published sources. The . Valuation Requirements. The appraisers certification #23 is an acknowledgment by the appraiser that certain parties to a mortgage finance transaction that are not the lender/client and/or intended user may rely on the appraisal report. issued a final rule last week establishing multifamily housing goals for Fannie Mae and Freddie Mac over . . Fannie Mae And Freddie Mac. When one borrower is on the new loan casefile but more than one borrower is on the existing loan, the DU message will state that it appears that a borrower is being removed with transaction and refer the lender to the Selling Guide for additional requirements on removing a borrower with a high LTV refinance transaction. Lenders must obtain a final title report, which must not show any outstanding mechanics liens, take any exceptions to the postponed improvements, or take any exceptions to the escrow agreement. In-depth home inspections are typically not required. results of the property inspection and the borrowers plans regarding any needed repairs. Mortgage Loans for Properties that are Abandoned and/or Have a Scheduled Foreclosure Sale Date: If the borrower wants to repair or restore the property, then the servicer must take the actions described in the following table. The table below provides references to recently issued Announcements that are related to this topic. Note: If the borrower has made advance payments to the contractor and/or to purchase materials, then the servicer is authorized to reimburse the borrower by releasing insurance loss proceeds as evidenced by paid receipts. A map showing the location of the subject property and the comparables that the appraiser used. remit the remaining balance of any insurance loss proceeds the servicer is maintaining on a mortgage loan within 30 days of confirming the REOgram via CRS using remittance code 332, and. The original appraiser should complete the appraisal update; however, lenders may use substitute appraisers. When none of the borrower Social Security numbers match, the loan casefile will not be underwritten as a high LTV refinance loan. The table below provides references to recently issued Announcements that are related to this topic. The lender is not required to perform an additional inspection and/or new appraisal of the property after a disaster. Ask Poli for Servicers. For certain loan casefiles, DU will offer value acceptance (appraisal waiver) or value acceptance + property data - options to sell the loan to Fannie Mae without an appraisal. We recommend that you use the latest version of FireFox or Chrome. Yes, units in a condominium project may be eligible if the condominium has been . However, if the contractor or builder offers a guaranteed fixed-price contract for completion of the improvements, the funds in the completion escrow only need to equal the full amount of the contract price. ordinance or based on property condition). E-3.3-03, Inspecting Properties Prior to Foreclosure Sale for additional information. Business Support Representative / Loan Officer. We continue to respond and work with our lenders and servicers to assist homeowners impacted by the recent hurricanes. Lenders must ensure the escrow account is a custodial account that satisfies Fannie Maes criteria for custodial accounts and depositories as outlines in, Lenders must ensure the escrow account is a custodial account that satisfies Fannie Maes criteria for custodial accounts and depositories as outlined in, Lender must ensure the escrow account is a custodial account that satisfies Fannie Maes criteria for custodial accounts and depositories as outlined in, How to do a hard refresh in Internet Explorer. an interior inspection every calendar month until the foreclosure sale date, or in See Note: If the servicer determines that payment to a third party is warranted to protect the security interest of the property and/or benefit of the borrower, the servicer must request prior approval by submitting a Report of Property Insurance Loss (Form 176) to Fannie Maes SF CPM Division (see F-4-02, List of Contacts). We recommend that you use the latest version of FireFox or Chrome. If you have additional questions, Fannie Mae customers can visit Ask Poli to get personally went to the property location and that the property is vacant. View full Fact Sheet. is authorized to release an initial disbursement of insurance loss proceeds of 25% of the total insurance loss proceeds but no more than the greater of. If a property previously reported To request reimbursement, the servicer must follow the procedures in Reimbursement for Property Inspections and Property Preservation Expenses in F-1-05, Expense Reimbursement. Lenders must obtain evidence of completion and Fannie Mae allows for a variety of methods depending on the type of valuation method and condition (completion, alteration, or repair) that must be confirmed. submit the appraisal selected by the lender through the UCDP prior to delivery. If you have additional questions, Fannie Mae customers can visit Ask Poli to get Fannie Mae also permits other completion alternative methods - attestation letters - to verify completion of construction, alteration, or repairs in lieu of Form 1004D. provide. If the servicer conducts Ask Poli for Servicers. Lenders exercising the high LTV refinance value acceptance (appraisal waiver) must deliver Special Feature Code 807 or 774 for value acceptance + property data. The lender must note in the file why the original appraiser was not used. See preceding section, Age of Appraisal and Appraisal Update Requirements, for requirements for completing an appraisal update. Fannie Mae reserves the right to require, the use of a prescribed form of checklist, or. is authorized to release the insurance loss proceeds in one payment. Photographs of comparable rentals utilized in the Small Income Residential Appraisal Report (Form 1025) are not required. Events, Employment, Income, and Asset Verification, B5-7-03, High LTV Refinance Alternative Qualification Path, B3-3.1-06, Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form 4506-C, To be eligible for the high LTV refinance option, the payment history for the existing loan for the most recent 12 months must reflect. reimbursement if the mortgage loan is either, refuses to make repairs of an emergency nature or to allow the servicer to have such Evaluate the borrower's eligibility and cash contribution requirements, if any, based on the status of the mortgage loan at the time of the respective evaluation. feel free to email. See B4-1.2-04, Appraisal Age and Use Requirements, for certifications completed by substitute appraisers. report. A2-1-01, General Servicer Duties and Responsibilities and the Property Preservation Matrix and Reference Guide for additional information. Complete the foreclosure sale or acceptance of the Mortgage Release. & Insights, Pricing & ); basement, including all finished and unfinished rooms; examples of physical deterioration, if present; and. Read court documents, court records online and search Trellis.law comprehensive legal database for any state court documents. Fannie Mae will accept the following additional notice or statement when appraisers believe the lender/client is the only intended user: The intended user of this appraisal report is the lender/client. version of a page. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. Whenthe appraisal showsthe existence of minor conditions or deferred maintenance that does not affect the safety, soundness, or structural integrity of the property, these items must be reflected in the appraiser'sopinion of value and the appraisal report must be completed "as-is." This form is not designed to report an appraisal for a manufactured home, or for a unit in a condo or co-op project. Lender Requirements. becomes vacant. is authorized to release an initial disbursement of insurance loss proceeds up to the greater of, the amount by which the release funds exceed the sum of the UPB, accrued interest, and advances on the mortgage loan; and. . is authorized to make the disbursement in one payment. adhere to a policy of selecting the most reliable appraisal rather than the appraisal that states the highest value, document the reasons for relying on the appraisal, and. Note: See Establishing Written Policies or Procedures in A4-1-01, Staffing, Training, Procedures, and Quality Control Requirements and A4-1-02, Establishing Custodial Bank Accounts for additional details, including requirements for addressing unapplied funds held in the T&I custodial account and for reporting the status of funds in the custodial account to Fannie Mae. Desktop Appraisals When the effective date of the original desktop appraisal report is more than four months from the date of the note and mortgage, a new appraisal is required. In addition, appraisals for units in condo projects that consist solely of detached dwellings may be documented on Form 1004, if the appraiser includes an adequate description of the project and information about the homeowners association fees and the quality of the project maintenance. The Rule requires that creditors . Does AIR apply to non-appraisal valuation methods (i.e., automated valuation models [AVMs], broker price . D2-2-01, Achieving Quality Right Party Contact with a Borrower, has been established. Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. Fannie Mae customers! When a borrower Social Security number is matched using 7 or 8 digits of the 9-digit Social Security number, the DU message will specify that the Social Security numbers are one or two digits different and will require the lender to confirm the borrowers on the existing loan are the same borrowers that will be on the new loan. See Reporting of Gross Monthly Rent in B3-3.1-08, Rental Income.). In doing so, we are providing this Lender Letter with additional guidance and relief. (For best result, pose your search like a question. & Technology, News & and securing delinquent mortgage loans set forth in, How to do a hard refresh in Internet Explorer. Having Issues with Seeing this Page Correctly? If the first lien mortgage loan servicer does not intend to take any action to repair the property, the servicer must contact its Fannie Mae Servicing Representative (see F-4-02, List of Contacts). Form 1004 also may be used for two-unit properties, if each of the units is occupied by one of the co-borrowers as theirprincipal residence or if the value of the legal second unit is relatively insignificant in relation to the total value of the property (as might be the case for a basement unit or a unit over a garage). When the effective date of the original appraisal report is more than 12 months from the date of the note and mortgage (with or without an appraisal update) a new appraisal report is required. Fannie Mae customers! For certain loan casefiles, DU will offer value acceptance (appraisal waiver) or value acceptance + property data - options to sell the loan to Fannie Mae without an appraisal. Finance activities take place in financial systems at various scopes, thus the field can be roughly divided . For traditional appraisals of one-unit manufactured homes (including manufactured homes in a PUD, condo, or co-op project, and MH Advantage properties) based on interior and exterior property inspections. (For best result, pose your search like a question. The 1004d form by Fannie Mae and 442 form by Freddie Mac is used to complete an appraisal update, final inspection, or in some circumstances, both for all one- to four-unit properties. feel free to email, the property is borrower/tenant occupied, and. If the loan is a higher-priced mortgage loan or a higher-priced covered transaction under Regulation Z, the loan must comply with the Alternative Qualification Path requirements. . listed in the following table. This report is by the Financial Services Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. & Technology, News & Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. When DU finds a loan for the subject property address using either the address provided on the DU loan application or the standardized address, DU will then confirm that the Social Security number(s) for the borrower(s) on the new loan casefile match those on the existing loan. 5.3 (Typo . Overview As part of their risk management processes, Fannie Mae and Freddie Mac (the Enterprises) each have established an approval process for seller/servicers that includes both ascertaining that seller/servicers meet minimum financial eligibility requirements and monitoring compliance of approved seller/servicers. See B5-3.3-01, HomeStyle Energy for Improvements on Existing Properties, for other requirements related to loans with energy-related improvement features. A hard refresh will clear the browsers cache for a specific page and force the most recent DU is unable to determine if a loan casefile is a higher-priced mortgage loan or a higher-priced covered transaction under Regulation Z. ); examples of recent updates, such as restoration, remodeling, and renovation, if present. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. Each borrower must complete and sign a separate IRS Form 4506-C at or before closing. version of a page. the property, the servicer must contact its Fannie Mae Servicing Representative (see General Information 2. The following table describes the action that the servicer of a second lien mortgage Items meeting these criteria require the appraiser to report and comment on the effect these items may have on the subject property's value and marketability. with the requirements in B4-1.2-02 Appraisal Waivers: o Disaster Areas: For loans secured by properties in a FEMA declared disaster area granted Individual Assistance, see 10.10.7.1, Declared Disaster Areas - Property Inspection Types o Full appraisals are required for the following irrespective of DU findings: Purchases of REO properties, It should be noted that, in addition to these requirements, the appraiser is expected to provide any additional attachments or addenda to the appraisal report necessary to provide an adequately supported opinion of market value. or. Appraisal and Property Requirements 4 Appraisal (HB -1-3555, Chapter 12) 4 . & Technology, News & When expanded it provides a list of search options that will switch the search inputs to match the current selection. hb```@(1Aag?|\9)GVukvDKw9^]_oquC_)/:PLa\Tr;pC{9&>``h``0 `A8 documentation of liquid financial reserves equal to 12 months of the new monthly housing payment. Fannie Mae's Home Retention and Liquidation Workout Options, but the servicer has determined that a workout option is appropriate, it must submit the case to Fannie Mae for review through Fannie . The inspection report must be retained in the loan file and made available to Fannie Mae upon request. noted in this Servicing Guide. School of Multifamily Property Inspections. Access forms, announcements, lender letters, notices, and more to stay current on our servicing policies. Launch at a minimum: (1) concur with the original appraisal, (2) perform an exterior inspection of the subject property from at least the street, and (3) research, verify, and analyze current market data in order to determine if the property has declined in value since . Execution, Learning (For best result, pose your search like a question. Each owner has a separate mortgage for his or her unit and is responsible for making the payments on the loan and paying associated real estate taxes. The loan must comply in all respects with Regulation Z requirements for such loans, including the underwriting and consumer protection requirements. The extent of the appraisers data collection, analysis, and reporting must be determined by the complexity of the appraisal assignment. Fannie Mae allows the sale of a loan before construction or energy improvements are complete if certain requirements are met. When the effective date of the original desktop appraisal report is more than four months from the date of the note and mortgage, a new appraisal is required. the property securing the mortgage loan by the earlier of. The servicer must deposit the insurance loss proceeds not disbursed to the borrower in an interest-bearing account. bankruptcy, or. Execution, Learning A complete view must be used (that is, color photos of . endstream
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