### USDA 

### Rural Development

### Single Family Housing

### Guaranteed Loan Program

### 

### THE LENDER'S HANDBOOK

### GEORGIA

### 

### 

### 

### 

### 

### 

### F. Stone Workman Joseph Walden

### State Director SFH Program Director

### 

**TABLE OF CONTENTS**

Overview of Program and Benefits 3-4

GRH Staff 5

How To Become An Approved Lender 6-7

How the Guarantee Works 8

Loan Guarantee Procedures 9

Applicant Eligibility (Income) 10-11

Annual Income-Program Purposes 12-13

Annual Income-Repayment Purposes 14-15

Credit Standards/Credit History 16-17

Loan Purposes, Limits, Rates, & Terms 18

Definitions of Rural Areas - Ineligible Area County List 19

Site Requirements 20

New Construction 21

Existing Dwellings 22

Inspectors 23

Appraisals 24

Checklists and Formats 25-32

Guarantee Fee Worksheet 33

Lender Docket Desk Reference 34

Change In Loan Amount or Interest Rate 35

#### 

#### List of Offices and Office Codes 36-40

GRH Income Limits (1980 D, Exhibit C) Attached

**Revised April 18, 2003**

**[(With update No. 1-03)]{.underline}**

**[PROGRAM HIGHLIGHTS - OVERVIEW OF PROGRAM]{.underline}**

-   Lender Uses Own Forms

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-   No Down Payment - 100% Loan To Value

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-   Income Limits - 115% Of Median For County

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-   Repayment Ratios - 29% And 41%

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-   GNMA - Financing Of Closing Costs - Seller Contribution Of 6%

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-   FNMA - Selling Price - Seller Contribution Of 3%

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-   No Private Mortgage Insurance Required

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-   Interest Rates - FNMA 90 Yield Rate + 6/10

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-   Terms - 30 Years

#### Guarantee Is 90% Of Principal Advanced

#### For New And Existing Properties

### 

### PROGRAM BENEFITS

***FOR THE LENDER:***

-   **Simplifies paperwork** - can use their own forms- (Standard Forms)
    with only a few

> additional items required (An Automated Underwriting System is now
> being developed.)

-   **Broadens portfolio** - more applicants qualify for government
    backed loans

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-   **Lowers risk** - government backed loan - guarantees up to 90% of
    principal advanced

###### Improves options - loan can be sold on the secondary market - more attractive for investors

-   **Increases opportunities** - meets CRA requirements

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-   **Increase revenues** - origination fees & servicing release
    premiums

***FOR THE BUILDERS*:**

-   **Increase return on investment** -- in partnership using USDA
    funding

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-   **Explore creativity** -- no limitation on the style or size of
    homes constructed

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-   **Improve community** -- hard working people purchasing well-built
    homes

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-   **Stimulate local economy** -- creates jobs while increasing local
    tax base

***FOR THE REALTORS:***

-   **Widened commission base** - offering superior product to their
    customers

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-   **More customers** -- can offer no down payment loans, no PMI to
    lower income families

***FOR THE APPLICANTS*:**

-   **Easier to qualify** - designed for low-to-moderate income families

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-   **Can obtain "dream home"** -- program funding designed for rural
    Georgians

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-   **Less costs up front** - no down payment, no private mortgage
    insurance, closing costs can be financed

*FOR THE GOVERNMENT*:

-   **Lower administration costs** -- processing primarily the lender's
    responsibility

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-   **No outlay of taxpayer money up front** -- loan funded by the
    lender and guaranteed by agency

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-   **1.5% guarantee fee -** goes into Treasury to cover cost of
    guaranteeing the loan

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-   **No servicing of loan or management of inventory by agency --**
    frees the government staff to accomplish other tasks

**[GUARANTEED RURAL HOUSING STAFF]{.underline}**

**JOSEPH WALDEN** DIRECTOR, SINGLE FAMILY PROGRAMS

USDA, Rural Development

355 E. Hancock Ave., Stop \# 306

####  Athens, Georgia 30601

#  Phone Number: 706-546-2169

Fax Number: 706-546-2139

E-mail: *joe.walden@ga.usda.gov*

**[SINGLE FAMILY HOUSING SPECIALISTS]{.underline}**

**FRED COUNCIL IV** USDA, Rural Development

355 E. Hancock Ave., Stop \# 306

####  Athens, Georgia 30601

Phone: 706-546-2169

Fax: 706-546-2139

E-mail: *fred.council@ga.usda.gov*

**FREDA DANIEL** Professional Building

####  405 Peacock Street

Cochran, Georgia 31014

Phone: 912-934-6392

Fax: 912-934-9211

E-mail: *freda.daniel@ga.usda.gov*

# **RON ALEXANDER** Burke County Office Park

West 6th St., Room 108

P. O. Box 689

Waynesboro, Georgia 30830

#  Phone: 706-554-4486

####  Fax: 706-437-1516

E-mail*: ron.alexander@ga.usda.gov*

**HELEN SWEENEY** USDA, Rural Development

####  355 E. Hancock Ave., Stop \# 306

#  Athens, Georgia 30601

####  Phone: 706-546-2169

Fax: 706-546-2139

E-mail: *helen.sweeney@ga.usda.gov*

**PATRICIA CRUSE** USDA, Rural Development

#  355 E. Hancock Ave., Stop \# 306

#  Athens, Georgia 30601

Phone: 706-546-2169

Fax: 706-546-2139

E-mail: *patricia.cruse@ga.usda.gov*

**[HOW TO BECOME AN APPROVED LENDER]{.underline}**

*The lender must submit the following information to Rural Development:*

(1) Evidence of lender's approval with either FNMA, FHLMC, HUD, VA or
    approval for any

> other Rural Development Program. (A copy of approval letter)

\(2\) Copy of Georgia business license

\(3\) The lender's Tax ID Number

(4) The name, address, phone number, and fax number of an official with
    the lender who will

#  serve as the contact for Rural Development (please provide information for each branch

office)

\(5\) List of names, titles, and basic responsibilities of the lender's
principal officers

\(6\) Outline of the lender's internal loan criteria for issues of
credit history and repayment ability

\(7\) A copy of lender's quality control plan to monitor production and
servicing activities

\(8\) An executed Form AD-1047

\(9\) List of underwriters authorized to underwrite on your behalf and
their authorization number

***To obtain state approval contact:***

USDA, Rural Development

Single Family Housing

355 East Hancock Avenue, Stop 306

Athens, GA 30601-2768

Phone: 706-546-2169

Fax: 706-546-2139

*To obtain nationwide approval contact:*

USDA, Rural Development

ATTN: Roger Glendenning, SFHPD

Rural Housing Service

USDA, Room 5334

14th and Independence Avenue

Washington, D. C. 20250

***The Lender must agree to:***

(1) Obtain current updates and keep themselves informed of all program
    regulations and guidelines. This includes all amendments and
    revisions of program requirements and policies.

(2) Process and service Rural Development Guaranteed loans in accordance
    with Agency regulations, and permit Rural Development employees or
    its designated representatives to examine or audit all records and
    accounts related to any Rural Development Guarantee loan.

(3) Be responsible for servicing of the loan, or if the loan is to be
    sold, sell only to an entity that meets the provisions of Rural
    Development regulations.

(4) Use forms that have been approved by RD, FNMA, FHLMC, or HUD, when
    appropriate.

(5) Maintain its approval qualifications as a Rural Development lender
    to include maintaining the minimum allowable net capital, acceptable
    levels of liquidity, and any required fidelity bonding and/or
    mortgage servicing errors and omissions policies required by HUD,
    VA, FNMA, or FHLMC.

(6) Operate its facilities in a prudent and business-like manner.

(7) Insure that its staff is well trained and experienced in loan
    origination and/or loan servicing functions, as necessary, to assure
    the capability of performing all of the necessary origination and
    servicing functions.

(8) Notify Rural Development in writing if the lender:

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(a) Ceases to meet any financial requirements of the entity under which
    the lender qualifies for Rural Development eligibility.

(b) Becomes insolvent, filed for bankruptcy protection, forced into
    involuntary bankruptcy, or has requested an assignment for the
    benefit of creditors.

(c) Has taken action to cease operations or discontinue servicing or
    liquidating any or all of its portfolio of Rural Development
    Guaranteed loans.

(d) Has any change in the lender's name, location, address, or corporate
    structure.

(e) Has become delinquent on any federal debt or has been debarred,
    suspended, or sanctioned by any federal agency or is in violation of
    any applicable state licensing or certification requirements.

(f) Has a change or addition in underwriters whom you authorize.

For new lender approval, Rural Development will review request and
determine the eligibility of the lender. If eligible, the agency and the
lender will execute Form RD 1980-16, "Lender Agreement For Guaranteed
Single Family Housing Loans."

**[HOW THE RURAL DEVELOPMENT GUARANTEE WORKS]{.underline}**

In an effort to assist low and moderate income families in obtaining
home mortgages for rural

housing, Rural Development provides loan guarantees to lending
institutions. The loan guarantee program reduces the lender's risk
because it provides protection for up to 90% of the loan principal.

#### 

#### *GUARANTEE CALCULATION*

Rural Development will reimburse the lender for all of the loss up to
35% of the loan. For any amount of loss above this initial 35%, the
remaining portion of the loss will be shared by Rural Development and
the lender. Rural Development will bear 85% of any portion of the loss
above the initial 35%, while the lender will bear the remaining 15%. In
any case, the total loss payment cannot exceed 90% of the original loan
amount.

The loan note guarantee covers the interest (including any subsidy) on
the loss to the date of the final loss settlement. Loss payments
include:

1.  Unpaid principal and interest as stated on the loan note and any
    loan subsidy due and owing.

2.  Unpaid principal and interest on protective advances approved by RD.

3.  Unpaid liquidation expenses.

#### 

#### *NET PROCEEDS*

Loss payments are based on the net proceeds from the collateral. If the
lender acquires the property, the net proceeds are determined as
follows:

1.  The property will be appraised for its liquidation value.

2\. The actual costs of liquidating the loan are subtracted from the
value of the collateral.

**[LOAN GUARANTEE PROCEDURES]{.underline} 1980-D, 1980.354-362**

1)  Originating or underwriting lender will determine if applicant meets
    Rural Development (RD) eligibility guidelines and if the property is
    located in an eligible area.

2)  Originating or underwriting lender should submit completed
    application packages directly to Rural Development's Community
    Development Office for review using Rural Development Checklist.

3)  Community Development Manager reviews package for completeness and
    issues Conditional Commitment For Guarantee or will express the need
    for additional information within 48 hours.

4)  Once Conditional Commitment is received, the lender may close the
    loan subject to the conditions listed.

5)  A Conditional Commitment is good for 90 days unless otherwise
    stated. It can be extended one time only for an additional 90 days
    upon written request to RD.

6)  Following the RD Checklist, the lender completes the loan closing
    and submits a closing package to RD along with the guarantee fee.

7)  RD issues the Loan Note Guarantee and conducts a Post Closing
    Review.

8)  The lender is then notified of any deficiency. The lender is
    responsible for correcting all

deficiencies regardless of notification by Rural Development.

**[APPLICANT ELIGIBILITY]{.underline}**

***INCOME ELIGIBILITY 1980-D, 1980.347-348***

#### ADJUSTED Moderate Income Limits for the Guaranteed Residential Loans -- Effective [3/28/03]{.underline}

-   Loans should be marketed to moderate-income families.

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-   See Georgia AN No. 692 (1980-D, Exhibit C,) ( Attached) for the 502
    Guaranteed loan program

"moderate-income limits."

*(Note: Some very-low and low-income applicants may qualify depending on
the loan amount and ratios.)*

-   Adjusted household income limits for all states are also posted at:

*http://eligibility.sc.egov.usda.gov/eligibility/mainservlet*

-   Do not consider the "Low" income limit unless you wish to finance
    discount points into the loan.

**[PROGRAM INCOME]{.underline}**

The total household income cannot exceed 115% of the county median
income. The gross household income can be adjusted using the following
deductions:

***-\$480 per dependent who is:***

a)  under 18 years of age

b)  18 years old or older and disabled

c)  18 years old or older and a full-time student

***-\$400 for an elderly household-member:***

a)  age 62 or older

b)  disabled

**-*Child care for minors*** 12 years of age or under to the extent
necessary to enable the borrower's

family to be gainfully employed or to further education. Expense cannot
exceed income derived.

Payments cannot be made to persons that can be claimed as dependents.
Full justification must be documented.

**-*Medical expenses*** not covered by insurance for an elderly
household member that exceed 3% of the

gross annual income.

**[QUALIFYING INCOME]{.underline} 1980-D, 1980.348**

Income must be adequate and dependable for repayment ability. Historical
data can be used to

conclude that income in question is likely to continue. Typically,
income of less than 24 months should **[not]{.underline}** be included.

**[REPAYMENT ABILITY]{.underline}**

**Qualifying ratios:**

**PITI =** Principal, Interest, Taxes & Insurance divided by gross
monthly income-

PITI cannot exceed [29%]{.underline}

**Total Debt Ratio =** Monthly Obligations divided by gross Monthly
income

#  Total debt ratio cannot exceed [41%]{.underline}

Obligations include: PITI, Homeowner and other assessments,

#  Debts with 6 months remaining, alimony, child support

Other shorter term debts of significant impact

Less emphasis on repayment ratios with credit scores of 660 or above

**Ratio Waivers:** \[See RD AN No. 3817\],
*http://rdinit.usda.gov/regs/an_list.html*

**NOTE:** If *"PAYMENT SHOCK"* is present, stricter underwriting
guidelines may be necessary

\[See RD AN No. 3818\], *http://rdinit.usda.gov/regs/an_list.html*

#### [HOME OWNERSHIP COUNSELING]{.underline} 1980-D, 1980.309 (f) (4)

Lenders in Georgia are required to have home ownership counseling for
all first-time homebuyers.

**[ANNUAL INCOME FOR INCOME LIMITS PURPOSES]{.underline}**

**1980-D, 1980.345(c)**

**1) HOURLY INCOME**

1.  

-   Counted Per Hour, Per Week, Per Year

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-   Ex.: \$10.00/Hour X 40 Hrs/Wk X 52 Wks/Yr = \$20,800.00/12 Mos =
    \$1,733.33/Mo.

**2) OVERTIME**

-   Counted in all cases even if less than 1 year unless employer states
    it has been terminated

> and will not be available within the next 12 months

-   Calculated Based On 2-Year Average

####### Example: 1997 - \$3,200

> 1998 - [\$4,800]{.underline}

\- \$8,000 / 24 Mos. = \$333.33/ Mo.

**3) BONUS**

-   Counted in all cases even if less than 1 year unless employer states
    it has been terminated

> and will not be available within the next 12 months

-   Calculated Based On 2-Year Average

**4) COMMISSIONS**

-   Counted in all cases even if less than 1 year unless employer states
    it has been terminated

> and will not be available within the next 12 months

-   Calculated Based On YTD Earnings Or On 2-Year Averag**e**

**5) SOCIAL SECURITY**

-   Counted in all cases

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-   Must be verified through award letter or verification of income
    signed by Social Security

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-   Must be based on gross amount

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-   Copies of checks not acceptable for verification.

**6) SELF-EMPLOYMENT**

-   Must be established for over 1 year

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-   Investors usually require two-year history

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-   Verified through tax returns and current year-to-date profit/loss
    statement

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-   Tax returns should be signed and certified by applicant

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-   \[See RD AN No. 3833\], *http://rdinit.usda.gov/regs/an_list .html*

**7) ALIMONY AND CHILD SUPPORT**

-   Will be counted in all cases, must be revealed in all cases

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-   Copy of divorce decree and/or child recovery unit verification
    acceptable

**8) PART TIME INCOME**

# Must be counted, calculated based on average hours per week

**9) RETIREMENT INCOME**

-   Must be counted, verified by letters from organization providing
    income or award

> letters

**[ANNUAL INCOME FOR INCOME REPAYMENT ABILITY PURPOSES]{.underline}**

**1980-D, 1980.345(c)**

**1) HOURLY INCOME**

-   Counted Per Hour, Per Week, Per Year,

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-   Ex.: \$10.00/Hour X 40 Hrs/Wk X 52 Wks/Yr = \$20,800.00/12 Mos =
    \$1,733.33/Mo.

**2) OVERTIME**

-   Not counted unless it is regularly worked or has existed for 2
    years, or the employer states

> that the income is likely to continue for the next 12 months.

-   Calculated Based On 2-Year Average Or Guaranteed Amount

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-   Example: 1997 - \$3,200

> 1998 - [\$4,800]{.underline}

\- \$8,000 / 24 Mos. = \$333.33/ Mo.

**3) BONUSES**

-   Not counted unless it is regularly received or has existed for 2
    years, or the employer states that the income is likely to continue
    for the next 12 months.

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-   Calculated Based On 2-Year Average

**4) COMMISSIONS**

-   Must have a 12-month history as a minimum to determine yearly
    amount.

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-   Calculated based on 12-month minimum or if 2-year history exists use
    the 2-year average, and the employer states that the income is
    likely to continue for the next 12 months.

**5) SOCIAL SECURITY**

-   Counted if it will exist for more than 3 years and must be verified
    through an award letter or verification of income signed by Social
    Security.

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-   Must be based on gross amount

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-   Copies of checks not acceptable for verification

**6) SELF-EMPLOYMENT**

-   Must be established for over 1 year

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-   Investors usually require two-year history

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-   Verified through tax returns and current year-to-date profit/loss
    statement

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-   Tax returns should be signed and certified by applicant

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-   \[See RD AN No. 3833\], *http://rdinit.usda.gov/regs/an_list .html*

**7) ALIMONY AND CHILD SUPPORT**

-   Will be counted in all cases, must be revealed in all cases

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-   Copy of divorce decree and/or child recovery unit verification
    acceptable

**8) PART TIME INCOME**

-   Must be counted, calculated based on average hours per week

**9) RETIREMENT INCOME**

-   Must be counted, verified by letters from organization providing
    income or award

> letters

**[CREDIT STANDARDS]{.underline} 1980-D, 1980.345 (d) (e)**

**1) CREDIT CRITERIA** \[See RD AN No. 3819, 3818\]
***http://rdinit.usda.gov/regs/an_list.html***

-   When three credit scores are obtained, use the middle score. If only
    two scores are obtained, use the lower of the two.

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-   Applicants with a score of [660]{.underline} or above the lender
    will not be required to document adverse credit history waivers.
    (Except those involving a delinquent federal debt or previous agency
    loan, a credit waiver is required.) Less emphasis can be placed on
    repayment ratios in determining an applicant's creditworthiness.
    Credit scores between [620]{.underline} and [659]{.underline}
    require a complete assessment of all the credit issues.

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-   More than one additional layer of risk is not permitted.

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-   Credit scores of [619]{.underline} or less would statistically have
    a high likelihood of default. The underwriter should approve the
    loan only if there is no risk layering and strong compensation
    factors exist.

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-   Credit of the primary applicant will carry the most weight in the
    underwriter's decision.

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-   "No history/no credit score" is not acceptable. A history of credit
    adequate for the underwriter to make a reasonable determination of
    credit worthiness must be available.

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-   Non-traditional credit such as utilities and local accounts are
    acceptable. Underwriters should not allow additional risk layering.

**2) ADVERSE CREDIT IS**

-   More than one late payment of 30 days or more within the **last 12
    months**. This includes more than one late payment on a single
    account.

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-   Loss of security due to a foreclosure in the **last 36 months**.

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-   Outstanding tax liens or delinquent government debts with **no
    satisfactory arrangements** for payment, no matter what the age if
    it is currently delinquent and/or due and payable.

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-   Judgments that are currently outstanding, or have been cancelled or
    paid within the **last 12 months.** Outstanding judgments will **not
    be waived**.

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-   Two or more rent payments paid 30 days late within the **last 3
    years**.

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-   Accounts that have been converted to collections within the **last
    12 months**.

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-   Collection accounts outstanding, with **no satisfactory
    arrangements** for payments, no matter what the age if it is
    currently delinquent and/or due and payable.

> \[See RD AN No. 3834\] ***http://rdinit.usda.gov/regs/an_list.html***

-   Debts written off within the **last 36 months,** as well as
    bankruptcy within the **last 36 months** (the credit rating of the
    individual accounts prior to bankruptcy), bankruptcy alone is not
    considered a reason for rejection.

###### 3) EXAMPLES OF HIGH RISK LAYERING

-   Payment shock is 100 percent or higher than previous housing
    expenses prior to purchasing a home.

-   Recent self-employment

-   Ratio exceeds the normal maximums of 29/41

> \[See RD AN No. 3817\], *http://rdinit.usda.gov/regs/an_list.html*

-   Adverse credit

#### 4) EXCEPTIONS TO CREDIT STANDARDS

-   Should be few if any, and beyond borrower's control

-   Must have been temporary in nature, and must have been removed
    **(satisfied)**

-   Lender must document their analysis and waiver of adverse credit.

(See page 27 for Waiver of Adverse Credit)

5\) CREDIT HISTORY VERIFICATION \[See RD AN No. 3831\]

-   RMCRs, MMCRs and NTMCRs that meet the standards of Fannie Mae,
    Freddie Mac, Housing and Urban Development (HUD) and Veteran Affairs
    (VA) are acceptable for RD. In the case of MMCRs, tri-merged reports
    are preferred.

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-   Non-traditional credit history may be required as discussed in
    "Credit Criteria"

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-   Lender will clearly document both its CAIVRS identifying number and
    the borrower(s) CAIVRS access code near the signature line of the
    application

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-   Must demonstrate reasonable ability and willingness to repay, and
    adverse credit that meets waiver criteria can be documented by the
    lender and submitted for approval.

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-   RD will check its records for previous RD/FmHA loans

#### 

#### 

#### [LOAN PURPOSES]{.underline}

-   Purchase a new dwelling

-   Purchase an existing dwelling

# Purchase and improvement of an existing dwelling

# Purchase a minimum site

-   Legal fees, title services, loan closing costs

# Establish escrow accounts

-   Payment of discount points (only for low-income applicant)

-   Refinancing limited to guaranteed or direct loans at **.05% Loan
    Note Guarantee Fee**.

> Direct loans may have subsidy recapture due.
>
> **\[See RD AN No. 3774\]**
> ***<http://rdinit.usda.gov/regs/an>\_list.html***

**[LOAN LIMITS, RATES, TERMS, AND COSTS]{.underline}**

-   Maximum loan amount is determined by repayment ability and appraised
    value.

-   Maximum loan amount is 100% of Market Value (Appraised Value).

-   Loan amount may include all closing costs and guarantee fee.

-   Payments must be made monthly.

-   Term of loan must be 30 years.

-   Late fee must not exceed HUD, FNMA or FHLMC limits and are not
    covered by guarantee.

-   Interest rates cannot exceed the FNMA 90 day posted yield fixed
    rate, plus 60 basis points, or 6/10%. The FNMA site for obtaining
    this rate is:

[***http://www.efanniemae.com/syndicated/documents/mbs/apeprices//public/30fraac.html***](http://www.efanniemae.com/syndicated/documents/mbs/apeprices//public/30fraac.html)

#### 

#### [DEFINITION OF RURAL AREAS]{.underline}

These areas are defined by RD as:

1)  Areas with population of less than 10,000 and rural in character

2)  Areas between 10,000 and 20,000 population; is not in an MSA; has a
    lack of mortgage credit. Areas that were defined as rural prior to
    10-1-1990 but not in excess of 25,000 population; are rural in
    character; and lack mortgage credit

***Community Development Managers can provide specific information on
eligible/ineligible areas. Detailed Maps are also available at Community
Development Offices.***

#### [ELIGIBLE AREA DETERMINATION]{.underline}

#### The following National Web Site is available to assist in the determination of eligible and ineligible areas within the state of Georgia.

***http://eligibility.sc.egov.usda.gov/eligibility/mainservlet***

**ENTIRELY INELIGIBLE COUNTIES**

# Clarke, Clayton, Cobb, Dekalb, Fayette, Gwinnett, Muscogee, Richmond and Rockdale

**COUNTIES WITH INELIGIBLE AREAS**

Baldwin, Bartow, Bibb, Brooks, Bulloch, Camden, Carroll, Catoosa,
Chatham, Chattahoochee,

Cherokee, Columbia, Coweta, Dade, Dougherty, Douglas, Floyd, Forsyth,
Fulton, Glynn, Hall,

Henry, Houston, Jones, Laurens, Lee, Liberty, Long, Lowndes, Madison,
Newton, Oconee,

Paulding, Spalding, Thomas, Troup, Walker, Ware and Whitfield

**[SITE REQUIREMENTS]{.underline}**

1)  Streets and roads must be hard-surfaced or all weather surfaces that
    are **publicly owned**

**and maintained**.

2\) Value of the site must not exceed 30% of the total property value.

3\) Subdivisions must be approved by local, regional, state, or federal
agencies. Dwelling

served by a homeowners association (HOA) may be accepted when approved
by HUD,

VA, FNMA, or FHLMC.

4\) Lenders are responsible for compliance with HUD standards for
driveway slopes in

excess of 14%. Lender must ensure driveways are not hazardous. Such
conditions should

be noted on the appraisal and adjustments made for this factor.

# 5) Sloping lots must have paved driveways. Sloping lots should include a landscaping plan

that provides adequate ground cover to control surface run-off (new
construction only).

6)  Lots with **floor elevation** well below street level and **property
    that does not meet local set**

**back requirements are unacceptable**.

7\) Easement driveways must be recorded and perpetual. Private driveways
must have

maintenance agreements and be HUD, VA, FNMA, or FHLMC approved.

8\) Lots with oxidation ponds near or adjoining are unacceptable, and
flag shaped lots require

prior approval from your local Community Development Manager.

9\) Dwellings located within 3000 feet of a railroad or other areas with
extreme noise levels

> will require a noise level assessment and a safety review. These
> requirements may result in a significant delay in the application
> processing time and may result in denial of the request for loan note
> guarantee. Dwelling closer than 100 feet of a railroad are subject to
> excessive underground vibration and are discouraged.

10) Lots with retention/detention ponds will require evidence of
    compliance with state and/or

local regulations and will require a more intensive environmental review
that will

significantly delay application processing time. This review may also
result in a denial.

Alternative sites must be considered.

11) Lots with high power transmission lines (or on adjoining lots) will
    require a safety and

> hazard review. Evidence of the voltage level of the lines, the height
> of the towers, and exact distance from the dwelling will be required.
> These too may significantly delay the
>
> application processing time and the review may result in denial.

12) Properties with community wells or sewage systems will require a
    state operating permit,

evidence of compliance with the Safe Drinking Water Act and the Clean
Water Act, and

a legally binding agreement that allows a third parties to enforce
operation of the system.

**[NEW CONSTRUCTION]{.underline}**

Borrower(s) must provide the lender a full set of building plans and
specifications (See lender's desk reference for plans and
specifications.) The lender must obtain a properly completed plan
certification, Form RD 1924-25 as outlined in Item 1 below.

**1) CERTIFICATIONS REQUIRED**

> Plans and specifications must be certified to meet the CURRENT EDITION
> OF THE
>
> GEORGIA STATE MINIMUM BUILDING CODES AND THE GEORGIA STATE
>
> ENERGY CODE using **Form RD 1924-25**, "Plan Certification".

**Plans can be certified by:**

-   A Ten Year Warranty builder who lists his/her warranty company name
    and builder's number

-   A County Plan reviewer who has had Code training and is certified as
    a Plan Reviewer

-   A licensed Architect or a licensed Engineer

-   A Plan Service (such as Standard Home Plans, W.D. Farmer)

**2) INSPECTION REPORTS REQUIRED**

-   Minimum of 3 inspections (FOOTING, DRY-IN, AND FINAL INSPECTION)

> if only a 1 year warranty provided or,

-   A final inspection if a ten-year warranty is provided.

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-   A Certificate of Occupancy when issued.

**3) CONSTRUCTION WARRANTIES**

# A minimum of a one (1) year warranty is required

-   A ten (10) year warranty is preferred

**4) PERMITS**

-   Well and septic tank approvals by health department

-   Termite treatment and warranty

**5) COMPLIANCE**

-   The REScheck (formerly MECcheck) was developed by the Department of
    Energy to clarify code compliance with the Model Energy Code (MEC),
    the International Energy Conservation Code (IECC) and a number of
    state codes to include Georgia.REScheck Computer Program.
    ***www.energycodes.gov/rescheck/index.stm***

**[EXISTING DWELLING]{.underline} \[See RD AN No. 3829\]**

1)  Inspections of existing properties may be accomplished by
    contracting a HUD appraiser

using HUD's current appraisal process, with the accompanying Valuation
Conditions

(VC) analysis and report. When HUD appraisers are NOT accessible or
available a home

inspection report completed by an inspector deemed qualified by the
lender may be used

(see RD Instruction 1980-D, 1980.341(b). This will satisfy the existing
home inspection

requirement for the GRH program unless the dwelling has an actual age of
25 years or

more. If so, the inspection must be performed by a third party home
inspection service

before the appraisal is completed.

2)  Individual water supplies must be inspected and determined to meet
    the requirements of the

health authority having jurisdiction.

3\) A termite clearance and/or treatment letter must be obtained.

4\) Inspections/permits for any development or rehab work must be
obtained.

5\) Certification that the dwelling conforms to Rural Development
thermal standards must

be obtained. Rural Development thermal standards are as follows:

**[For counties above the fall line:]{.underline}** Baldwin, Banks,
Barrow, Bartow, Butts, Carroll, Catoosa,

Chattooga, Cherokee, Columbia, Coweta, Dade, Dawson, Douglas, Elbert,
Fannin, Floyd, Forsyth,

Franklin, Fulton, Gilmer, Glascock, Gordon, Greene, Habersham, Hall,
Hancock, Haralson, Hart,

Heard, Henry, Jackson, Jasper, Jones, Lamar, Lincoln, Lumpkin, Madison,
McDuffie, Meriwether,

Monroe, Morgan, Murray, Newton, Oconee, Oglethorpe, Paulding, Pickens,
Pike, Polk, Putnam,

Rabun, Spalding, Stephens, Taliaferro, Towns, Troup, Union, Upson,
Walker, Walton, Warren, White,

Whitfield, Wilkes

-   R-30 in the ceilings

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-   R-19 under crawl spaces

####### Storm windows or thermopane windows

-   Storm doors or Insulated doors

**[For counties below the fall line:]{.underline}** Appling, Atkinson,
Bacon, Baker, Ben Hill, Berrien, Bibb,

Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Calhoun, Camden,
Chandler, Charlton, Chatham,

Chattahoochee, Clay, Clinch, Coffee, Colquitt, Cook, Crawford, Crisp,
Decatur, Dodge, Dooly,

Dougherty, Early, Echols, Effingham, Emanuel, Evans, Glynn, Grady,
Harris, Houston, Irwin,

Jeff Davis, Jefferson, Jenkins, Johnson, Lanier, Laurens, Lee, Liberty,
Long, Lowndes, Macon,

Marion, Mcintosh, Miller, Mitchell, Montgomery, Peach, Pierce, Pulaski,
Quitman, Randolph, Schley,

Screven, Seminole, Stewart, Sumter, Talbot, Tattnall, Taylor, Telfair,
Terrell, Thomas, Tift, Toombs,

Truetlen, Turner, Twiggs, Ware, Washington, Wilcox, Wayne, Webster,
Wheeler, Wilkinson, Worth

-   R-26 in the ceilings

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-   R-13.5 under crawl spaces

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-   Storm windows or thermopane windows

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-   Type I exterior door

**[INSPECTORS FOR NEW CONSTRUCTION AND FOR EXISTING
PROPERTIES]{.underline} \[See 1980-D, 1980.341 (a) (c)\]**

1)  Lenders must determine that the inspectors they use are qualified
    and experienced in the

field of property inspections.

2)  On newly constructed homes the inspector will determine if the
    property meets code

requirements based on the plans and specification provided.

3)  On existing properties, the inspector will be determining that the
    dwelling is in

compliance with HUD Handbooks 4150.2 and 4905.1. The plumbing,
electrical, heating,

cooling systems will be inspected to ensure they are adequate for the
dwelling and in

operating order. They will inspect for needed repairs and note them on
the Inspection

Report.

4\) Qualified inspectors include:

-   Fee inspectors

####### Compliance inspectors

####### Home inspection services

-   Trained staff inspectors

-   County or city inspectors who inspect per plans and codes

-   ***FHA Registered Appraisers with Valuation Condition (VC) Form (RD
    AN No 3829)***

The older a dwelling is the less likely the dwelling will meet the
requirements of RD Instruction 1980.313(g and (h). This is particularly
true of dwellings in excess of 25 years actual age. The

referenced paragraphs require dwellings to be cost effective,
structurally sound, functionally

adequate, and placed in good repair. Dwellings over 25 years old, unless
updated, will have

mechanical and plumbing systems that have reached their useful life.
Also, if normal maintenance has been deferred at any point in the life
of the dwelling, structural problems may exist.

Inspections of existing properties may be accomplished by contracting
for a HUD appraisal using HUD's current appraisal process, including the
accompanying Valuation Conditions (VC) analysis and report. When HUD
appraisals are not accessible or available, a home inspection report
completed by an inspector deemed qualified by the lender (see RD
Instruction 1980-D, 1980.341(b) will satisfy the existing home
inspection requirement for the GRH program unless the dwelling has an
actual age of 25 years or more. If this is the case, the inspection must
be performed by a third party home inspector (or a FHA Registered
Appraisers w/VC sheets) before the appraisal is completed.

Thermal reports, well reports (if on private systems) and termite
reports are usually outside the scope of a comprehensive home inspection
or VC analysis, and are typically completed by another qualified third
party inspector. GRH loans may be approved by the Agency prior to the
home inspection work being completed; however, the inspection must be
completed prior to loan settlement, and all necessary repairs must be
completed prior to issuing the Loan Note Guarantee. *Such inspections
must be in writing and must not include disclaimers.*

**[APPRAISALS]{.underline} \[See 1980-D, 1980.334 (a)(b)(c)\]**

Lenders may instruct their appraisers to use any of the following
appraisal forms in relation

to a SFH guaranteed loan, or for refinance of a loan secured by an
owner-occupied one-family

residential property:

-   Uniform Residential Appraisal Report (URAR) \[Freddie Mac Form
    70/Fannie Mae Form 1004\]

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-   Desktop Underwriter Quantitative Analysis Appraisal Report \[Fannie
    Mae Form 2055\]

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-   Loan Prospector Quantitative Analysis Appraisal Report \[Freddie Mac
    Form 2055\]

These options provide the lenders with more flexibility and, in some
cases, result in reduced

closing cost for the applicant. \[Also See RD AN No. 3816\]

**RHS GUARANTEED LOAN CHECKLIST**

**INITIAL SUBMISSION**

**BORROWER (S):
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**LENDER:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**ON THE RIGHT SIDE ON FILE**

**(ASSEMBLE TOP TO BOTTOM AS LISTED BELOW)**

**\_\_\_ LENDER ANALYSIS OF LOAN WITH COMMENTS & *CALCULATIONS* SIGNED
BY UNDERWRITER *\*\*NEW***

**\_\_\_ RD FORM 1980-21 SIGNED AND DATED**

**\_\_\_ BUYDOWN AGREEMENT WITH PAYMENT SCHEDULE (IF APPLICABLE)**

**\_\_\_ SIGNED AND DATED "SCRATCH" APPLICATION (1003)**

**\_\_\_ TYPED APPLICATION (1003)**

**\_\_\_ EVIDENCE OF COMPLIANCE WITH PRIVACY ACT**

**\_\_\_ FORM AD 1048 SIGNED BY APPLICANT(S)**

**\_\_\_ FORM AD 1048 SIGNED BY CONTRACTOR (IF APPLICABLE)**

**\_\_\_ IF ALIEN, EVIDENCE OF LEGAL ADMITTANCE**

**\_\_\_ VERIFICATION OF INCOME & EMPLOYMENT (VOI/VOEs)**

**\_\_\_ COPIES OF TAX RETURNS FOR SELF-EMPLOYED**

**\_\_\_ COPY OF DIVORCE DECREE (IF APPLICABLE)**

**\_\_\_ CREDIT REPORT**

**\_\_\_ DOCUMENT ADVERSE CREDIT W/ WAIVER REQUEST**

**(BASED ON CREDIT SCORE)**

**\_\_\_ *RATIO WAIVER (IF APPLICABLE) \*\*NEW***

**\_\_\_ VERIFICATION OF 1 YEAR RENTAL HISTORY (IF NOT ON CREDIT
REPORT)**

**\_\_\_ CERTIFICATION EXISTING DWELLING MEETS HUD 4905.1 & 4150.2**

**\_\_\_ HOME INSPECTION SERVICE REPORT IF HOME IS 25 YEARS OLD,**

***OR A FHA APPRAISER (w/VC SHEET)***

**\_\_\_ THERMAL CERTIFICATION FOR EXISTING DWELLING**

**\_\_\_ FORM RD 1924-25 PLAN CERTIFICATION FOR NEW DWELLINGS**

**\_\_\_ FLOODPLAIN CERTIFICATION**

**\_\_\_ COPY OF SALES CONTRACT**

**\_\_\_ APPRAISAL REPORT, ORIGINAL PHOTOS, AND COST APPROACH
CALCULATIONS FOR NEW DWELLING**

**\_\_\_ *CERTIFICATE OF HOMEBUYERS EDUCATION \*\*NEW***

**\*THE LENDER IS RESPONSIBLE FOR OBTAINING THE FOLLOWING ITEMS:**

**1) A FULL SET OF PLANS AND SPECIFICATIONS**

**2) ALL REQUIRED INSPECTIONS OF NEW AND EXISTING DWELLINGS**

**3) SURVEY AND/OR PLOT PLAN OF THE PROPERTY IF DEEMED NECESSARY TO
PROTECT THE INTERESTS OF THE LENDER AND GOVERNMENT**

**BUYDOWN REQUEST**

**TERM OF BUYDOWN: \_\_\_\_12 MOS \_\_\_\_24 MOS**

**RATIOS WITHOUT BUYDOWN: \_\_\_\_PITI \_\_\_\_TD RATIO**

**RATIOS WITH BUYDOWN:**

**[1^ST^ YR]{.underline} [2^ND^ YR]{.underline} [3^RD^ YR]{.underline}**

**P&I \_\_\_\_\_\_\_ \_\_\_\_\_\_\_ \_\_\_\_\_\_\_**

**TAXES \_\_\_\_\_\_\_ \_\_\_\_\_\_\_ \_\_\_\_\_\_\_**

**INSURENCE \_\_\_\_\_\_\_ \_\_\_\_\_\_\_ \_\_\_\_\_\_\_**

**INCOME \_\_\_\_\_\_\_ \_\_\_\_\_\_\_ \_\_\_\_\_\_\_**

**TOTAL PITI \$\_\_\_\_\_\_\_ \$\_\_\_\_\_\_\_ \$\_\_\_\_\_\_\_**

**DEBTS \_\_\_\_\_\_\_ \_\_\_\_\_\_\_ \_\_\_\_\_\_\_**

**TD RATIO \_\_\_\_\_\_\_% \_\_\_\_\_\_\_% \_\_\_\_\_\_\_%**

**IS BUYDOWN REQUEST ACCEPTABLE? \_\_\_\_\_\_\_YES \_\_\_\_\_\_\_NO**

**REMARKS:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**DATE\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
CDM\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**WAIVER OF ADVERSE CREDIT HISTORY**

**BORROWER(S):
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**LENDER:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**The Credit Report obtained in connection with the subject borrower's
application for a RURAL DEVELOPMENT Guaranteed Housing loan contain
adverse credit history. We, at
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ have
reviewed this credit report and the documentation provided by the
applicant to explain the cause of the adverse ratings and have
determined that:**

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

**The above explanation meets [ALL]{.underline} of the following
conditions:**

**1) The circumstances were of a temporary nature,**

**2) Were beyond the applicant's control,**

**3) And, have been removed.**

**Therefore, in accordance with instruction 1980-D, paragraph
1980.345(d)(3),
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ hereby
waives the adverse credit history and has determined that this borrower
is creditworthy.**

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_

**Signature of Underwriter Date**

**LENDER'S DESK REFERENCE FOR PLANS AND SPECIFICATIONS FOR RURAL
DEVELOPMENT GUARANTEED RURAL HOUSING LOANS**

**\_\_ BUILDER CERTIFICATION OF PLANS AND SPECIFICATIONS (Form FmHA
1924-25)**

**Correctly filled out, dated, signed, and proper certification number**

**\_\_ PLOT PLAN AND/OR LANDSCAPING PLAN IF LENDER REQUIRES**

**\_\_ DESCRIPTION OF MATERIALS-FHA FORM 92005**

**Show all model numbers of appliances, HVAC units, etc.**

**Must be completed in all areas and must be signed by builder and
dated**

**\_\_ FRONT, REAR, SIDE ELEVATIONS (VIEWS)**

**Compared with appraisal - must match house built**

**\_\_ FOUNDATION PLAN:**

**If slab, must show cross section of slab construction**

**Crawl space - Must show all dimensions, foundation vents, access ways,
etc.**

**Crawl space - Must show direction and size of floor joists, sills, and
girders**

**Crawl space - Must show size and location of piers**

**\_\_ FLOOR PLAN(S) WITH ELECTRICAL LAYOUT:**

**Must show location of all lights, switches, and outlets**

**\_\_ WINDOWS AND DOOR SCHEDULE:**

**Must show all dimensions (can be shown on floor plan or separate
sheet)**

**\_\_ CABINET DETAILS:**

**Kitchen, utility room, and all baths**

**\_\_ HVAC PLAN:**

**Must show heating and air layout with duct size, direction of flow,
and vent size**

**\_\_ TYPICAL WALL SECTION:**

**Wall cross section footing through peak of roof**

**\_\_ TRUSS DETAIL:**

**Must show engineer's seal**

**\_\_ STAIRWAY DETAIL:**

**When applicable, must show cross section**

**\_\_ FIREPLACE:**

**Must have construction detail**

**\_\_ PLANS**

**Must be to scale 1/4" = 1.0", be an original set without violating
copyright laws.**

**ADEQUACY CERTIFICATION**

**FOR EXISTING PROPERTIES**

**RURAL DEVELOPMENT GRH LOANS**

**Borrower(s):
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Lender:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Property Location:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**I have inspected the above property and have determined that the
dwelling is**

**structurally sound, functionally adequate, in good repair, or will be
placed in good**

**repair. I certify the dwelling meets the current requirements of HUD
Handbook**

**4150.2 and 4905.1.**

**This inspection and certification is subject to the following
repairs:**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**(Addendum attached, if necessary)**

**Certification of water systems must be provided by the local Health
Department**

**or comparable entity if systems are other than public. A termite
inspection by a reputable firm will be provided to certify that the
dwelling is free of termites.**

**\[See RD AN No. 3829\]**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Name Date**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Title \***

**\*- Signing this form as an appraiser is unacceptable. Inspector must
indicate their**

**qualifications to inspect homes. This form to be used when the
property inspection not completed by a HUD appraiser using Valuation
Conditions (VC) report.**

**THERMAL CERTIFICATION FOR EXISTING PROPERTIES**

**RURAL DEVELOPMENT LOANS**

**BORROWER(S):
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**LENDER:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**PROPERTY LOCATION:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**I HAVE INSPECTED THE ABOVE REFERENCED DWELLING AND HAVE DETERMINED**

**THAT THE DWELLING THERMAL STANDARDS MEET THE REQUIREMENTS OF USDA
RURAL DEVELOPMENT AS FOLLOWS:**

**THE R-VALUES ARE: R-\_\_\_\_\_FOR THE CEILING**

**R-\_\_\_\_\_FOR THE FLOORS WITH CRAWL SPACE**

**THE WINDOWS ARE: \_\_\_\_\_DOUBLE GLAZED (THERMAL PANE)**

**\_\_\_\_\_STORM WINDOWS HAVE BEEN INSTALLED**

**THE EXTERIOR DOORS ARE: \_\_\_\_\_INSULATED DOORS OR STORM DOORS**

**(NORTH GEORGIA)**

**\_\_\_\_\_WEATHERSTRIPPED DOORS**

**(SOUTH GEORGIA ONLY)**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**DATE NAME OF INSPECTOR**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**DATE QUALIFICATIONS OF INSPECTOR \***

\*\* Signing this form as an appraiser is unacceptable. Inspector must
indicate their

qualifications to inspect homes.

**RURAL DEVELOPMENT GUARANTEED LOAN CHECKLIST**

**FINAL SUBMISSION**

**BORROWERS:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**LENDER:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**\_\_\_\_ FORM RD 1980-19, LOAN CLOSING REPORT**

**\_\_\_\_ GUARANTEE FEE PAYABLE TO RD (.015 X LOAN AMOUNT = FEE)**

**\_\_\_\_ LENDER CERTIFICATION (REVERSE OF FORM RD 1980-18)**

**\_\_\_\_ COPY OF PROMISSORY NOTE**

**\_\_\_\_ COPY OF RECORDED DEED (TRUE & CERTIFIED), OR FILED DEED TO
SECURE DEBT**

**\_\_\_\_ COPY OF THE HUD-1 SETTLEMENT STATEMENT**

**\_\_\_\_ TERMITE INSPECTION AND/OR WARRANTY**

**\_\_\_\_ APPROVAL OF WELL (HEALTH DEPARTMENT OR LICENSED PRIVATE
PARTY)**

**\_\_\_\_ INSPECTION OF SEPTIC SYSTEM (HEALTH DEPARTMENT OR LICENSE
PRIVATE PARTY)**

**\_\_\_\_ COPY OF BUILDER'S WARRANTY**

**\_\_\_\_ LOAN CLOSING SURVEY (AS BUILT) OR A COPY OF SHORT FORM TITLE
INSURANCE POLICY**

**\_\_\_\_ FORM 1980-11 LENDER RECORD CHANGE**

**\_\_\_\_ EVIDENCE THAT ANY SPECIAL CONDITIONS ON CONDITIONAL
COMMITMENT HAVE BEEN MET**

-   **THE LENDER IS RESPONSIBLE FOR MAINTAINING ALL REQUIRED DOCUMENTS**

**IN LENDER'S FILE SUBJECT TO BEING REVIEWED BY RURAL DEVELOPMENT.**

**RATIO WAIVER REQUEST**

**Date: \_\_\_\_\_\_\_\_**

**Underwriting Lender's Name:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Lender's Address:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Underwriter's Name:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Underwriter's Phone#
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Underwriter's Fax#
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Applicant's Name:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Planned Loan Amount:
\$\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Monthly Repayment Income:
\$\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Proposed Ratios: Front\_\_\_\_\_\_\_\_\_\_ Back\_\_\_\_\_\_\_\_\_\_**

**Credit Score: High\_\_\_\_\_ Low\_\_\_\_\_ Middle\_\_\_\_\_**

**Previous Monthly Housing:
\$\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Proposed Monthly Housing:
\$\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Employment History:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Compensating Factors:**

**1)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**2)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**3)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Attach any additional comments, documentation or recommendations**

**I, the underwriter, hereby approve the proposed ratios. Loan approval
will be subject to all other underwriting conditions of both RD and
myself. As the primary decision-maker, I am responsible for ensuring
that the ratios are reasonable and are based on the above compensating
factors.**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Signature Date**

**I, a loan approval official of USDA, RD., Single Family Housing,
hereby concur with the above**

**waiver of GRH loan ratio limitations as authorized in FmHA Instruction
1980-D, 1980.345 (c)(5).**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Signature Date**

**LENDER WORKSHEET FOR CALCULATION**

**OF GUARANTEE FEE**

**When the guarantee fee *is not* included in the loan:**

**Sales price \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(A)**

**Financed closing costs + \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(B)**

**Loan Amount = \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(C)**

**Loan Amt. (C) x 1.5 = Fee =
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(D)**

**When guarantee fee *is* financed in the loan:**

**Sales price \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(A)**

**Financed closing costs + \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(B)**

**Subtotal = \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_(C)**

**Subtotal © divided by .985 X 1.5 = Fee
=\_\_\_\_\_\_\_\_\_\_\_\_\_\_(D)**

**Subtotal © \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Guarantee fee (D) + \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

##### Total loan amount = \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**MAKE FEE PAYABLE TO RURAL DEVELOPMENT**

**LENDER DOCKET DESK REFERENCE**

**A completed USDA, GRH loan docket contains (but is not limited to) the
following:**

-   **The Borrower(s) has/have executed an acknowledgement (item 12,
    Form 1980-21) that this loan must be reviewed by USDA, Rural
    Development for issuance of a Conditional Commitment and is subject
    to RD approval prior to loan closing. We have also obtained a copy
    of the termite inspection and/or warranty for our file.**

```{=html}
<!-- -->
```
-   **We have obtained a FULL set of plans and specifications for the
    dwelling which is less**

**than one year old as determined by the Certificate of Occupancy or
final inspection. The**

**plans and specifications should be forwarded with the borrower's file
to the purchasing**

**lender should the loan be sold. Also included is a copy of the well
and septic tank**

**approval from the health department or a licensed private party.**

-   **We have obtained a properly completed, dated, and signed Form RD
    1924-25, "Plan**

**Certification" which also certifies the thermal standards for new
construction. These**

> **certifications verify that the dwelling has been built according to
> the Current Edition of the Georgia State Minimum Building Codes and
> the Georgia State Energy Code.**

-   **We have obtained a properly completed Adequacy Certification for
    existing dwellings in the event that other than a HUD/FHA appraiser
    was used, utilizing VC Sheets. Any listed repairs have been or will
    be completed as a condition of this loan.**

```{=html}
<!-- -->
```
-   **We have obtained a properly completed thermal certification for
    existing dwellings. Rural Development's thermal standards for
    existing properties have been met.**

```{=html}
<!-- -->
```
-   **We have obtained 3 construction inspections, which includes a
    final inspection, for new construction with a one-year warranty.**

```{=html}
<!-- -->
```
-   **Or we have obtained a final construction inspection on new
    construction with a 10-year warranty.**

```{=html}
<!-- -->
```
-   **We have obtained a final inspection of repairs to an existing
    dwelling.**

```{=html}
<!-- -->
```
-   **We have obtained a recorded loan closing survey if a long form
    title policy was obtained, or a short form title insurance policy in
    which a survey is not needed.**

```{=html}
<!-- -->
```
-   **We have obtained a copy of the builder's warranty.**

####  

**[LOAN AMOUNT OR INTEREST RATE INCREASE]{.underline}**

When submitting a request to increase the loan amount or the interest
rate of a loan, send the following to the Community Development Manager
by overnight mail, or fax:

\(1\) New Form RD 1980-21 (new date and new signatures)

\(2\) New FNMA 1003 (application)

\(3\) Statement of new qualifying ratios

The above changes must be reviewed by and approved by the lender's
Underwriter. The Underwriter must sign and date the information
submitted.

Loan or interest rate decreases do not have to be submitted for review
or concurrence.

***THESE DOCUMENTS SHOULD BE SENT TO RURAL DEVELOPMENT PRIOR TO LOAN
CLOSING AND A REVISED CONDITIONAL COMMITMENT FOR GUARANTEE SHOULD***

***BE RECEIVED BEFORE THE LOAN IS CLOSED.***

  ------------ ------------------- -------------- -------------- -------------- ----------
  **COUNTY**   **PERSONNEL**       **LOCATION**   **PHONE \#**   **FAX \#**     **ST-CTY
                                                                                CODES**

  Appling      James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-001

  Atkinson     Albert J. Walker    Douglas        912-384-4811   912-384-5446   10-002

  Bacon        James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-003

  Baker        Debra E. Westberry  Camilla        229-336-0371   229-336-1867   10-004

  Baldwin      Terry A. Dismuke    Tennille       478-552-0901   478-552-0991   10-005

  Banks        Gerald Mcduffie     Clarkesville   706-754-6239   706-754-9821   10-006

  Barrow       Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-007

  Bartow       Mark A. Rice        Rome           706-291-5705   706-291-5623   10-008

  Ben Hill     Godfrey Hinds       Ocilla         229-468-9461   229-468-9561   10-009

  Berrien      Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-010

  Bibb         Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-011

  Bleckley     Benjamin Tyus       Cochran        478-934-6392   478-934-2597   10-012

  Brantley     James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-013

  Brooks       Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-014

  Bryan        Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-015
               Deloach                                                          

  Bulloch      Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-016
               Deloach                                                          

  Burke        Eugene Love         Waynesboro     706-554-4486   706-437-1516   10-017

  Butts        Margaret B.         Mcdonough      770-957-1228   770-957-3191   10-018
               Faircloth, CDS                                                   

  Calhoun      Anthony K Chambers  Bainbridge     229-246-7944   229-246-7315   10-019

  Camden       James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-020

  Candler      Jeanmarie F.        Statesboro     912-971-2620   912-871-6547   10-021
               Deloach                                                          

  Carroll      W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-022

  Catoosa      Benjamin Davis      Lafayette      706-638-2189   706-638-2371   10-023

  Charlton     James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-024

  Chatham      Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-025
               Deloach                                                          

  Chatt.       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-026

  Chattooga    Benjamin Davis      Lafayette      706-638-2189   706-638-2371   11-027

  Cherokee     Harold A. Purvis    Jasper         706-692-6417   706-692-9344   10-028

  Clarke       Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   10-029

  Clay         Mancil R. Walden    Dawson         229-995-5819   229-995-8414   10-030

  Clayton      Margaret B.         Mcdonough      770-957-1228   770-957-3191   10-031
               Faircloth, CDS                                                   

  Clinch       James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-032

  Cobb         Harold A. Purvis    Jasper         706-692-6417   706-692-9344   10-033

  Coffee       Albert J. Walker    Douglas        912-384-4811   912-384-5446   10-034

  Colquitt     Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-035

  Columbia     Roger Jenkins       Thomson        706-595-7643   706-595-5025   10-036

  Cook         Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-037

  Coweta       W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-038

  Crawford     Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-039

  Crisp        Godfrey Hinds       Ocilla         229-468-9461   229-468-9561   10-040

  Dade         Benjamin Davis      Lafayette      706-638-2189   706-638-2371   10-041

  Dawson       Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-042

  Decatur      Anthony K Chambers  Bainbridge     229-246-7944   229-246-7315   10-043

  Dekalb       Margaret B.         Mcdonough      770-957-1228   770-957-3191   10-044
               Faircloth, CDS                                                   

  Dodge        Benjamin Tyus       Cochran        478-934-6392   478-934-2597   10-045
  ------------ ------------------- -------------- -------------- -------------- ----------

  ------------ ------------------- -------------- -------------- -------------- ----------
  **COUNTY**   **PERSONNEL**       **LOCATION**   **PHONE \#**   **FAX \#**     **ST-CTY
                                                                                CODES**

  Dooly        Godfrey Hinds       Ocilla         229-468-9461   229-468-9561   10-046

  Dougherty    Debra E. Westberry  Camilla        229-336-0371   229-336-1867   10-047

  Douglas      W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-048

  Early        Anthony K Chambers  Bainbridge     229-246-7944   229-246-7315   10-049

  Echols       Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-050

  Effingham    Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-051
               Deloach                                                          

  Elbert       Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   10-052

  Emmanuel     Eugene Love         Waynesboro     706-554-4486   706-437-1516   10-053

  Evans        Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-054
               Deloach                                                          

  Fannin       Harold A. Purvis    Jasper         706-692-6417   706-692-9344   10-055

  Fayette      W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-056

  Floyd        Mark A. Rice        Rome           706-291-5705   706-291-5623   10-057

  Forsyth      Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-058

  Franklin     Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   10-059

  Fulton       W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-060

  Gilmer       Harold A. Purvis    Jasper         706-692-6417   706-692-9344   10-061

  Glascock     Roger Jenkins       Thomson        706-595-7643   706-595-5025   10-062

  Glynn        James T Hatcher     Blackshear     912-449-5577   912-449-1024   10-063

  Gordon       Harold A. Purvis    Jasper         706-692-6417   706-692-9344   10-064

  Grady        Debra E. Westberry  Camilla        229-336-0371   229-336-1867   10-065

  Greene       Henry Mcleod        Monroe         770-267-8363   770-267-1341   10-066

  Gwinnett     Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-067

  Habersham    Gerald Mcduffie     Clarkesville   706-754-6239   706-754-9821   10-068

  Hall         Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-069

  Hancock      Terry A. Dismuke    Tennille       478-552-0901   478-552-0991   10-070

  Haralson     Mark A. Rice        Rome           706-291-5705   706-291-5623   10-071

  Harris       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-072

  Hart         Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   10-073

  Heard        W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-074

  Henry        Margaret B.         Mcdonough      770-957-1228   770-957-3191   10-075
               Faircloth, CDS                                                   

  Houston      Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-076

  Irwin        Godfrey Hinds       Ocilla         229-468-9461   229-468-9561   10-077

  Jackson      Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-078

  Jasper       Charles V Adkins    Barnesville    770-358-2280   770-358-6788   10-079

  Jeff Davis   Albert J. Walker    Douglas        912-384-4811   912-384-5446   10-080

  Jefferson    Eugene Love         Waynesboro     706-554-4486   706-437-1516   10-081

  Jenkins      Eugene Love         Waynesboro     706-554-4486   706-437-1516   10-082

  Johnson      Terry A. Dismuke,   Tennille       478-552-0901   478-552-0991   10-083

  Jones        Charles V Adkins    Barnesville    770-358-2280   770-358-6788   10-084

  Lamar        Charles V Adkins    Barnesville    770-358-2280   770-358-6788   10-085

  Lanier       Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-086

  Laurens      Benjamin Tyus       Cochran        478-934-6392   478-934-2597   10-087

  Lee          Mancil R. Walden    Dawson         229-995-5819   229-995-8414   10-088

  Liberty      Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-089
               Deloach                                                          
  ------------ ------------------- -------------- -------------- -------------- ----------

  ------------ ------------------- -------------- -------------- -------------- ----------
  **COUNTY**   **PERSONNEL**       **LOCATION**   **PHONE \#**   **FAX \#**     **ST-CTY
                                                                                CODES**

  Lincoln      Roger Jenkins       Thomson        706-595-7643   706-595-5025   10-090

  Long         Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-091
               Deloach                                                          

  Lowndes      Evette M. Mills     Valdosta       229-244-9828   229-249-9924   10-092

  Lumpkin      Wesley B. Sparks    Gainesville    770-536-0547   770-536-6076   10-093

  Macon        Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-096

  Madison      Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   10-097

  Marion       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   10-098

  Mcduffie     Roger Jenkins       Thomson        706-595-7643   706-595-5025   10-094

  Mcintosh     Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   10-095
               Deloach                                                          

  Meriwether   W. C. Blackmon      Newnan         770-253-2555   770-253-7032   10-099

  Miller       Anthony K Chambers  Bainbridge     229-246-7944   229-246-7315   11-000

  Mitchell     Debra E. Westberry  Camilla        229-336-0371   229-336-1867   11-001

  Monroe       Charles V Adkins    Barnesville    770-358-2280   770-358-6788   11-002

  Montgomery   Albert J. Walker    Douglas        912-384-4811   912-384-5446   11-003

  Morgan       Henry Mcleod        Monroe         770-267-1413   770-267-1341   11-004

  Murray       Harold A. Purvis    Jasper         706-692-6417   706-692-9344   11-005

  Muscogee     Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   11-006

  Newton       Henry Mcleod        Monroe         770-267-1413   770-267-1341   11-007

  Oconee       Henry Mcleod        Monroe         770-267-1413   770-267-1341   11-008

  Oglethorpe   Wesley B. Sparks    Hartwell       706-376-3954   706-856-3350   11-009

  Paulding     Mark A. Rice        Rome           706-291-5705   706-291-5623   11-010

  Peach        Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   11-011

  Pickens      Harold A. Purvis    Jasper         706-692-6417   706-692-9344   11-012

  Pierce       James T Hatcher     Blackshear     912-449-5577   912-449-1024   11-013

  Pike         Charles V Adkins    Barnesville    770-358-2280   770-358-6788   11-014

  Polk         Mark A. Rice        Rome           706-291-5705   706-291-5623   11-015

  Pulaski      Benjamin Tyus       Cochran        478-934-6392   478-934-2597   11-016

  Putman       Terry A. Dismuke    Tennille       478-552-0901   478-552-0991   11-017

  Quitman      Mancil R. Walden    Dawson         229-995-5819   229-995-8414   11-018

  Rabun        Gerald Mcduffie     Clarkesville   706-754-6239   706-754-9821   11-019

  Randolph     Mancil R. Walden    Dawson         229-995-5819   229-995-8414   11-020

  Richmond     Eugene Love         Waynesboro     706-554-4486   706-437-1516   11-021

  Rockdale     Margaret B.         Mcdonough      770-957-1228   770-957-3191   11-022
               Faircloth, CDS                                                   

  Schley       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   11-023

  Screven      Eugene Love         Waynesboro     706-554-4486   706-437-1516   11-024

  Seminole     Anthony K Chambers  Bainbridge     229-246-7944   229-246-7315   11-025

  Spalding     Charles V Adkins    Barnesville    770-358-2280   770-358-6788   11-026

  Stephens     Gerald Mcduffie     Clarkesville   706-754-6239   706-754-9821   11-027

  Stewart      Mancil R. Walden    Dawson         229-995-5819   229-995-8414   11-028

  Sumter       Mancil R. Walden    Dawson         229-995-5819   229-995-8414   11-029

  Talbot       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   11-030

  Taliaferro   Roger Jenkins       Thomson        706-595-7643   706-595-5025   11-031

  Tattnall     Jeanmarie F.        Statesboro     912-871-2620   912-871-6547   11-032
               Deloach                                                          

  Taylor       Shirley A. Ashcraft Byron          478-956-6495   478-956-6473   11-033
  ------------ ------------------- -------------- -------------- -------------- ----------

+---------+------------------+---------+----------+----------+-------+
| **C     | **PERSONNEL**    | **LOC   | **PHONE  | **FAX    | **S   |
| OUNTY** |                  | ATION** | \#**     | \#**     | T-CTY |
|         |                  |         |          |          | CO    |
|         |                  |         |          |          | DES** |
+---------+------------------+---------+----------+----------+-------+
| Telfair | Albert J. Walker | Douglas | 912-     | 912-     | 1     |
|         |                  |         | 384-4811 | 384-5446 | 1-034 |
+---------+------------------+---------+----------+----------+-------+
| Terrell | Mancil R. Walden | Dawson  | 229-     | 229-     | 1     |
|         |                  |         | 995-5819 | 995-8414 | 1-035 |
+---------+------------------+---------+----------+----------+-------+
| Thomas  | Debra E.         | Camilla | 229-     | 229-     | 1     |
|         | Westberry        |         | 336-0371 | 336-1867 | 1-036 |
+---------+------------------+---------+----------+----------+-------+
| Tift    | Godfrey Hinds    | Ocilla  | 229-     | 229-     | 1     |
|         |                  |         | 468-9461 | 468-9561 | 1-037 |
+---------+------------------+---------+----------+----------+-------+
| Toombs  | Jeanmarie        | Sta     | 912-     | 912-     | 1     |
|         | Deloach          | tesboro | 871-2620 | 871-6547 | 1-038 |
+---------+------------------+---------+----------+----------+-------+
| Towns   | Gerald Mcduffie  | Clark   | 706-     | 706-     | 1     |
|         |                  | esville | 754-6239 | 754-9821 | 1-039 |
+---------+------------------+---------+----------+----------+-------+
| Troup   | W. C. Blackmon   | Newnan  | 770-     | 770-     | 1     |
|         |                  |         | 253-2555 | 253-7032 | 1-041 |
+---------+------------------+---------+----------+----------+-------+
| T       | Eugene Love      | Way     | 706-     | 706-     | 1     |
| ruetlen |                  | nesboro | 554-4486 | 437-1516 | 1-040 |
+---------+------------------+---------+----------+----------+-------+
| Turner  | Godfrey Hinds    | Ocilla  | 229-     | 229-     | 1     |
|         |                  |         | 468-9461 | 468-9561 | 1-042 |
+---------+------------------+---------+----------+----------+-------+
| Twiggs  | Benjamin Tyus    | Cochran | 478-     | 478-     | 1     |
|         |                  |         | 934-6392 | 934-2597 | 1-043 |
+---------+------------------+---------+----------+----------+-------+
| Union   | Gerald Mcduffie  | Clark   | 706-     | 706-     | 1     |
|         |                  | esville | 754-6239 | 754-9821 | 1-044 |
+---------+------------------+---------+----------+----------+-------+
| Upson   | Charles V Adkins | # Barn  | 770-     | 770-     | 1     |
|         |                  | esville | 358-2280 | 358-6788 | 1-045 |
+---------+------------------+---------+----------+----------+-------+
| Walker  | Benjamin Davis   | La      | 706-     | 706-     | 1     |
|         |                  | fayette | 638-2189 | 638-2371 | 1-046 |
+---------+------------------+---------+----------+----------+-------+
| Walton  | Henry Mcleod     | Monroe  | 770-     | 770-     | 1     |
|         |                  |         | 267-1413 | 267-1341 | 1-047 |
+---------+------------------+---------+----------+----------+-------+
| Ware    | James T Hatcher  | Bla     | 912-     | 912-     | 1     |
|         |                  | ckshear | 449-5577 | 449-1024 | 1-048 |
+---------+------------------+---------+----------+----------+-------+
| Warren  | Roger Jenkins    | Thomson | 706-     | 706-     | 1     |
|         |                  |         | 595-7643 | 595-5025 | 1-049 |
+---------+------------------+---------+----------+----------+-------+
| Was     | Terry A. Dismuke | T       | 478-     | 478-     | 1     |
| hington |                  | ennille | 552-0901 | 552-0991 | 1-050 |
+---------+------------------+---------+----------+----------+-------+
| Wayne   | James T Hatcher  | Bla     | 912-     | 912-     | 1     |
|         |                  | ckshear | 449-5577 | 449-1024 | 1-051 |
+---------+------------------+---------+----------+----------+-------+
| Webster | Mancil R. Walden | Dawson  | 229-     | 229-     | 1     |
|         |                  |         | 995-5819 | 995-8414 | 1-052 |
+---------+------------------+---------+----------+----------+-------+
| Wheeler | Albert J. Walker | Douglas | 912-     | 912-     | 1     |
|         |                  |         | 384-4811 | 384-5446 | 1-053 |
+---------+------------------+---------+----------+----------+-------+
| White   | Gerald Mcduffie  | Clark   | 706-     | 706-     | 1     |
|         |                  | esville | 754-6239 | 754-9821 | 1-054 |
+---------+------------------+---------+----------+----------+-------+
| Wh      | Benjamin Davis   | La      | 706-     | 706-     | 1     |
| itfield |                  | fayette | 638-2189 | 638-2371 | 1-055 |
+---------+------------------+---------+----------+----------+-------+
| Wilcox  | Godfrey Hinds    | Ocilla  | 229-     | 229-     | 1     |
|         |                  |         | 468-9461 | 468-9561 | 1-056 |
+---------+------------------+---------+----------+----------+-------+
| Wilkes  | Roger Jenkins    | Thomson | 706-     | 706-     | 1     |
|         |                  |         | 595-7643 | 595-5025 | 1-057 |
+---------+------------------+---------+----------+----------+-------+
| Wi      | Benjamin Tyus    | Cochran | 478-     | 478-     | 1     |
| lkinson |                  |         | 934-6392 | 934-2597 | 1-058 |
+---------+------------------+---------+----------+----------+-------+
| Worth   | Godfrey Hinds    | Ocilla  | 229-     | 229-     | 1     |
|         |                  |         | 468-9461 | 468-9561 | 1-059 |
+---------+------------------+---------+----------+----------+-------+

**[COMMUNITY DEVOLOPMENT OFFICES]{.underline}**

(ADDRESSES)

**Bainbridge** **Douglas** **Ocilla**

Anthony Chambers, CDM Albert J. Walker, CDM Godfrey Hinds, CDM

P. O. Drawer 1806 703 East Ward Street Agricultural Bldg.

Bainbridge, GA 31717 Douglas, GA 31742 401 South Cherry Street

Ocilla, GA 31774

**Barnesville** **Gainesville** **Rome**

Charles V. Adkins, CDM Wesley B. Sparks, CDM Mark A. Rice, CDM

118 Academy Drive 734 E. Crescent Drive, Suite 100 1401 Dean Street,
Suite M

Barnsville, GA 30204 Gainesville, GA 30501 Rome, GA 30161

#### Blackshear Hartwell Statesboro

James T. Hatcher, CDM Wesley B. Sparks, Acting Jeanmarie F. DeLoach, CDM

# 707 Hendry Street 88 Market Street 151 Langston Chapel Rd. 

Blackshear, GA 31516 Hartwell, GA 30643 Suite 500

Statesboro, GA 30458

#### 

#### Byron Jasper Tennille

Shirley A. Ashcraft, CDM Harold A. Purvis, CDM Terry A. Dismuke, CDM

102 Church Street 55-A Dixie Street 114 Smith Street

Byron, GA 31008-0849 Jasper, GA 30143 Tennille, GA 31089

#### Camilla Lafayette Thomson

Debra E. Westberry, CDM Benjamin C. David, CDM Roger C. Jenkins, CDM

30 West Broad Street 208-A North Duke Street 226 Bob Kirt Road, NW

Camilla, GA 31630 Lafayette, GA 30728 P. O. Box 1255

Thomson, GA 30824

#### 

#### Clarkesville McDonough Valdosta

Gerald W. McDuffie, CDM Margaret B. Faircloth, CDS Evette M. Mills, CDM

555 Monroe Street 333 Phillips Drive 2108 East Hill Avenue

Clarkesville, GA. 30523 McDonough, GA 30253 Valdosta, GA. 31601

#### 

#### Cochran Monroe Waynesboro

Benjamin S. Tyus, CDM Henry J. McLeod, CDM Eugene Love, CDM

Professional Bldg. 129 North Midland Ave. Burke Co. Office Park

405 Peacock Street Monroe, GA 30655 715 West 6^th^ Street

Cochran, GA 31014 Waynesboro, GA 30830

#### 

#### Dawson Newnan 

Mancil R. Walden, CDM W. C. Blackmon, CDM

955 Forrester Drive 580 Bullsboro Dr., Suite C

Dawson, GA 31742 Newnan, GA 30264