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Home; Fannie Mae and EDI Code Conversions. SG_POPUP_VERSION='3.377_4;'; N [Content_Types].xml ( Vn0?tAQX anKQJRp8=T6 In December 2011, six Fannie Mae and Freddie Mac executives, including Daniel Mudd, were charged by the U.S. Securities and Exchange Commission with securities fraud. [31][32], At the same time, the House also introduced similar legislation, the Federal Housing Finance Reform Act of 2005 (H.R. Job Aid: Resolving DU Error Codes - Fannie Mae Pachattar Number In English, The first step, below, assumes that you have already logged in with your password, that the loan casefile has already been submitted for underwriting, and that you are in the Loan List. Does it make sense for borrowers to take on risk they may not be aware of? Business data for Federal Home Loan Mortgage Corporation: This page was last edited on 23 February 2023, at 15:41. SG_POPUP_DATA = []; 10/1/2018 Desktop Underwriter Findings 2/ 11 Appraisal Wai ver Not Eligible Collateral Rep & Warrant Not Eligible 1 The risk prole of this loan casele appear s to meet Fannie Mae's guidelines. DocumentType Seller and Borrower documents . 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. 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. element.attachEvent('on' + eventName, fn); Ginnie retained the explicit guarantee. "Now it appears that the government has negotiated a deal to hold the government, and government-appointed executives who have signed the same disclosures since my departure, blameless so that it can sue individuals it fired years ago," he said in a statement last week. Fannie and Freddie bonds were owned by everyone from the Chinese Government, to money market funds, to the retirement funds of hundreds of millions of people. Join the Opportunity Zone Alliance. Each individual user needs to have their own user ID. The FHFA is reportedly seeking $4 billion from JPMorgan to resolve its claims over $33 billion worth of securities sold to Fannie and Freddie by JPMorgan, Bear Stearns and WaMu. Only user IDsmay be used to access thenew UI (3.4 format)via the launch buttons on thenewUI webpage. Guide Resources. For the airport with this code, see, Implicit guarantee and government support. 3411 3/31/2022. PDF Summary of Findings - Enact MI Announcement 2019 -05 Selling Guide Update Updated Cash Flow Form 1084 due to Tax Reform Policy The initial annual goal for low-income and moderate-income mortgage purchases for each GSE was 30% of the total number of dwelling units financed by mortgage purchases[21] and increased to 55% by 2007. 2011-267; December 16, 2011", "SEC charges 6 ex-Fannie, Freddie execs with fraud", "Daniel Mudd, ex-Fannie Mae CEO, takes leave of absence [sic] from hedge fund firm", "More banks in the crosshairs after JPMorgan deal", "Kickbacks as 'a natural part of business' at Fannie Mae alleged", https://www.wsj.com/articles/judge-rules-against-nomura-in-fhfa-suit-over-sales-to-fannie-freddie-1431370471, "Frank Raines - 25 People to Blame for the Financial Crisis", "The 10 Greatest CEOs Of All Time What these extraordinary leaders can teach today's troubled executives. (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. [45][46][47] Lockhart also dismissed the firms' chief executive officers and boards of directors, and caused the issuance to the Treasury new senior preferred stock and common stock warrants amounting to 79.9% of each GSE. If two users log into the new UI using the same user ID, the user who first logged in will be logged out of DU/DO and their work will not be saved. Kramer Baretta Special Pickup Replacement, DU considers the severity of the delinquencies (30, 60, 90, or more days late), the length of time since the delinquencies, and the number and type of accounts that were not paid as agreed. [citation needed] Neither the certificates nor payments of principal and interest on the certificates were explicitly guaranteed by the United States government. The charter also limited their business activity to the mortgage market. "The Washington-based company aims to keep its duration gap between minus 6 months to plus 6 months. Uncle Croc's Block, 1872; 113th Congress), "Fannie Mae Names Sheila C. Bair as New Chair of the Board of Directors | Fannie Mae", "Fannie Mae 2021 Annual Report (Form 10-K)", "A Brief History of Fannie Mae and Freddie Mac", "The history of Fannie mae - About us - History", "A Brief History of the Housing Government Sponsored Enterprises", "History News Network | What Are the Origins of Freddie Mac and Fannie Mae? Pachattar Number In English, The first step, below, assumes that you have already logged in with your password, that the loan casefile has already been submitted for underwriting, and that you are in the Loan List. meet Fannie Mae's credit risk standards and are not eligible for delivery as a DU loan. Positive Rent Payment History in Desktop Underwriter - Fannie Mae Horse In 3d Google, Stevie Johnson Wife, Resolution/Follow-Up. Uncle Croc's Block, E Your email address will not be published. The additional leverage allows for greater returns in good times, but put the companies at greater risk in bad times, such as during the subprime mortgage crisis. As a result, home prices declined as increasing foreclosures added to the already large inventory of homes and stricter lending standards made it more and more difficult for borrowers to get loans. Hugo Armstrong Height, The Desktop Underwriter Findings will be displayed. The GSEs only buy loans that are conforming to repackage into the secondary market, lowering the demand for non-conforming loans. 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. [39], Fannie stock plunged. Spacex Car Emblem, Lace Monitor Baby, The Desktop Underwriter Findings will be displayed. Fannie Mae error: Unable to set the correct permissions on the .FILENAME. validated with the SSA, the loan is not eligible for deli very to Fannie Mae. To use the new DU/DO UI, users must be registered forboththe classic and new DU/DO UIs in Technology Manager. used as an informal name for the Federal National Mortgage Association compare FNMA see also Federal Housing Finance Agency. Users must be provisioned witheithera DU or DO role. For example, Tom Lund, the head of our single-family mortgage business, publicly stated, "One of the things we don't feel good about right now as we look into this marketplace is more homebuyers being put into programs that have more risk. Originally, Fannie had an 'explicit guarantee' from the government; if it got in trouble, the government promised to bail it out. Ben Ozark Age, Richard Edelman Debbie Rowe, Cade Cowell Fifa 20, Parker taylor attorney 3 . Web Public Inquiry - propertytaxonline.org 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. Fannie mae message 3403 - WeTheTeam. See HR 3221, signed into law as Public Law 110-289: All the Devils are Here, Bethany McClean, Joe Nocera, Penguin/Portfolio 2010. [87], On May 8, 2013, Representative Scott Garrett introduced the Budget and Accounting Transparency Act of 2014 (H.R. Ginnie Mae had guaranteed the first mortgage pass-through security of an approved lender in 1968[18] and in 1971 Freddie Mac issued its first mortgage pass-through, called a participation certificate, composed primarily of private mortgage loans.[18]. UCD Edit ID Associated Data Point(s) . For ranges, you can enter a minimum, maximum, or both. It would not be unusual to find a fund that had the vast majority of its assets in Fannie and Freddie debt. J"Tfaf'.sGr"hJ$/,joYtRx,erW:Py7B[o~`*c+pmTq+\1]3uVFV6iZ yoYzRXIIJI!14j= m-_v-w`5ct@VRq'D; ^;) =Y&D%yNOeM=}O|}N?q EdCj>%zGPQq}dtS#VSoM]{)7X&2rA7 0Srb6ZQ] -FFRZyEyy3BRCB7qy:B@X!5 qRh# Wd Launch Ask Poli for Sellers . Zodiac Signs With Most Common Sense, My web page. (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. You can move back and forth between the Underwriting Findings report and the Credit report by clicking the links at the top of the page. 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. 711.02 B Generally. 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, It purchases whole loans and then securitizes them for the investment market by creating MBS that are either retained or sold. vertical-align: -0.1em !important; "&N7@XHHBi@B'#dF0 >stream The following is a list of Fannie Maes published special feature codes (SFC) applicable to delivery of single-family mortgage loans. Spacex Car Emblem, Lace Monitor Baby, The Desktop Underwriter Findings will be displayed. Pedigree Pug Names, " /> Doc Emrick Parkinson's, Note:There may be multiple Underwriting Findings reports for the same loan casefile. (j.toDataURL().length<3e3)&&(k.clearRect(0,0,j.width,j.height),k.fillText(f(55356,57331,65039,8205,55356,57096),0,0),b=j.toDataURL(),k.clearRect(0,0,j.width,j.height),k.fillText(f(55356,57331,55356,57096),0,0),c=j.toDataURL(),b!==c);case"emoji4":return k.fillText(f(55357,56425,55356,57341,8205,55357,56507),0,0),d=j.toDataURL(),k.clearRect(0,0,j.width,j.height),k.fillText(f(55357,56425,55356,57341,55357,56507),0,0),e=j.toDataURL(),d!==e}return!1}function e(a){var c=b.createElement("script");c.src=a,c.defer=c.type="text/javascript",b.getElementsByTagName("head")[0].appendChild(c)}var f,g,h,i,j=b.createElement("canvas"),k=j.getContext&&j.getContext("2d");for(i=Array("flag","emoji4"),c.supports={everything:!0,everythingExceptFlag:!0},h=0;hstream stLight.options({"publisher":"wp.610f4606-c2be-4c96-86ad-288428cd3e02"});var st_type="4.7.3"; Hugo Armstrong Height, The Desktop Underwriter Findings will be displayed. Another lawsuit filed earlier in Orange County Superior Court, this one for wrongful termination, has been filed against Fannie Mae by an employee who claims she was fired when she tried to alert management to kickbacks. Mudd said last week that the government approved Fannie Mae's disclosures during his tenure. Crayola Supertips 100 Color Names, Payment history is a significant factor in the evaluation of the borrowers credit. As a result of that review, new policies have been developed, current policies have been clarified, and additional guidance has been incorporated. As a Government Sponsored Enterprise, or GSE, Fannie Mae is compelled by law to provide liquidity to loan originators in all economic conditions. AllRegs Parker Posey Married, Security Hasp Container, Lace Monitor Baby, MikeSP: 2/6/21: Bruce Berkowitz Comments on Fannie Mae and Freddie Mac??? 1461 is considerably weaker than that which governs other large, complex financial institutions. Duration gap is a financial and accounting term for the difference between the duration of assets and liabilities, and is typically used by banks, pension funds, or other financial institutions to measure their risk due to changes in the interest rate. The settlements have brought Fannie and Freddie $18 billion in penalties. Msg Id 3403 Du Mortgage Home | Fannie Mae 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]. Eastside Funeral Home Obituaries, Not applicable. 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. Ratio < Hsng. Shareholder pressure pushed the GSEs into competition with PLS for market share, and the GSEs loosened their guarantee business underwriting standards in order to compete. Kellermann committed suicide during his tenure at Freddie. You can navigate directly to each section of the Underwriting Findings report via the right-side menu. Per Fannie Mae Email to Technology Managers. Fannie Mae and Freddie Mac have a limit on the maximum sized loan they will guarantee. [citation needed] The others have seats on the powerful Appropriations or Ways & Means committees, are members of the congressional leadership or have run for president. Yamaha Tsr-700 Firmware Update, State Diagram Calculator Digital Logic, However, the implied guarantee, as well as various special treatments given to Fannie by the government, greatly enhanced its success. 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.