DENVER HOMEOWNERSHIP CENTER

SINGLE FAMILY HOUSING

UNDERWRITING INDEX (G -- I)

(Revised 5-1-06)

+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| ## G                                |                  |            |
+-------------------------------------+------------------+------------+
| GENERAL PROCESSING STEPS            | HB 4000.2,       |            |
|                                     | Section 1-3      |            |
+-------------------------------------+------------------+------------+
| Direct Endorsement                  | HB 4000.2,       |            |
|                                     | Section 1-3A     |            |
+-------------------------------------+------------------+------------+
| FHA Processing                      | HB 4000.2,       |            |
|                                     | Section 1-3B     |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| GIFT FUNDS                          | HB 4155.1,       | MLs 00-28; |
|                                     | Section 2-10C    | 04-28      |
+-------------------------------------+------------------+------------+
| Bridal registry                     |                  | MLs 96-56; |
|                                     |                  | 97-20      |
+-------------------------------------+------------------+------------+
| Gift Equity                         | HB 4155.1,       |            |
|                                     | Section 2-10C    |            |
+-------------------------------------+------------------+------------+
| Employer                            | HB 4155.1,       |            |
|                                     | Section 13-C     |            |
+-------------------------------------+------------------+------------+
| Gift Loans                          |                  | MLs 96-58; |
|                                     |                  | 97-27      |
+-------------------------------------+------------------+------------+
| Non-Profit/Seller to Pay Off        |                  | ML 02-02   |
| Borrower Debt                       |                  |            |
+-------------------------------------+------------------+------------+
| Overage (TOTAL)                     |                  | ML 04-44   |
+-------------------------------------+------------------+------------+
| Tax ID Number                       |                  | ML 00-08   |
+-------------------------------------+------------------+------------+
| Wire Transfer at Closing            |                  | ML 04-28   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| GOOD FAITH ESTIMATE                 |                  |            |
+-------------------------------------+------------------+------------+
| Closing Costs                       |                  |            |
+-------------------------------------+------------------+------------+
| Highlighted                         |                  | ML 90-14   |
+-------------------------------------+------------------+------------+
| Within \$250                        |                  | ML 90-14   |
+-------------------------------------+------------------+------------+
| Premium Pricing                     |                  | ML 94-7    |
+-------------------------------------+------------------+------------+
| Yield Spread Premiums               |                  | ML 01-26   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| GROSSING UP INCOME (Non Taxable     | HB 4155.1,       | ML 97-26   |
| Income)                             | Section 2-7Q     |            |
+-------------------------------------+------------------+------------+
| Child Support                       |                  | ML 05-16   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| ## H                                |                  |            |
+-------------------------------------+------------------+------------+
| HANDBOOKS, MORTGAGEE LETTTERS,      | HB 4000.2,       |            |
| FORMS                               | Section 1-16     |            |
+-------------------------------------+------------------+------------+
| HUD Headquarters                    | HB 4000.2,       |            |
|                                     | Section 1-16A    |            |
+-------------------------------------+------------------+------------+
| HOC's                               | HB 4000.2,       |            |
|                                     | Section 1-16B    |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| HECM                                | HB 4000.2,       | ML 04-25;  |
|                                     | Section 6-17     | 40-39      |
+-------------------------------------+------------------+------------+
| Age                                 | HB 4235.1,       |            |
|                                     | Section 4-4A     |            |
+-------------------------------------+------------------+------------+
| Application                         |                  |            |
+-------------------------------------+------------------+------------+
| Estate Planning Fee                 |                  | ML 99-2    |
+-------------------------------------+------------------+------------+
| Appraisal                           | HB 4235.1,       |            |
|                                     | Section 3-3;     |            |
|                                     |                  |            |
|                                     | HB 4150.2, App.  |            |
|                                     | B, B-2           |            |
+-------------------------------------+------------------+------------+
| ARM                                 |                  |            |
+-------------------------------------+------------------+------------+
| Index                               | HB 4235.1,       |            |
|                                     | Section 6-9C     |            |
+-------------------------------------+------------------+------------+
| Limits Changes                      | HB 4235.1,       |            |
|                                     | Section 4-2D     |            |
+-------------------------------------+------------------+------------+
| Authority, Extension                |                  | ML 00-10   |
+-------------------------------------+------------------+------------+
| Assignment Issues & Eligibility     |                  | ML 01-16;  |
|                                     |                  | 96-15      |
+-------------------------------------+------------------+------------+
| Bankruptcy                          | HB 4235.1,       |            |
|                                     |                  |            |
|                                     | Section 4-3C(3)  |            |
+-------------------------------------+------------------+------------+
| Broker                              |                  | ML 00-10   |
+-------------------------------------+------------------+------------+
| Origination                         |                  | ML 00-10   |
+-------------------------------------+------------------+------------+
| Estate Planning Service Agreement   |                  | ML 99-02   |
+-------------------------------------+------------------+------------+
| Referral                            |                  | ML 97-07   |
+-------------------------------------+------------------+------------+
| Servicing Cap                       |                  | ML 98-03   |
+-------------------------------------+------------------+------------+
| Broker Fee                          |                  | ML 00-10   |
+-------------------------------------+------------------+------------+
| Calculator                          |                  | ML 99-36   |
+-------------------------------------+------------------+------------+
| CAIVRS                              | HB 4235.1,       |            |
|                                     | Section 4-3C(3)  |            |
+-------------------------------------+------------------+------------+
| Certifications: U/W Mortgagee       |                  | ML 97-15,  |
|                                     |                  | #10        |
+-------------------------------------+------------------+------------+
| Claims Issues                       |                  | ML 01-16   |
+-------------------------------------+------------------+------------+
| Closing Review                      | HB 4235.1,       |            |
|                                     | Section 6-12     |            |
+-------------------------------------+------------------+------------+
| Condominiums Unapproved             |                  | ML 96-41   |
+-------------------------------------+------------------+------------+
| Counseling                          | HB 4235.1,       | MLs 04-25; |
|                                     | Section 2        | 04-12;     |
|                                     |                  | 00-39;     |
|                                     | FHA Connection   | 00-10      |
|                                     | Message Board,   |            |
|                                     | 4/8/05           |            |
+-------------------------------------+------------------+------------+
| Telephone                           |                  | ML 04-48   |
+-------------------------------------+------------------+------------+
| Counselor's Certificate             |                  | MLs 00-10; |
|                                     |                  | 99-02      |
+-------------------------------------+------------------+------------+
| 180 Days                            |                  | MLs 04-25; |
|                                     |                  | 00-10      |
+-------------------------------------+------------------+------------+
| Telephone Counseling                |                  | MLs 04-28; |
|                                     |                  | 00-10      |
+-------------------------------------+------------------+------------+
| Delinquent Federal Debts            | HB 4235.1,       |            |
|                                     | Section 4-3A     |            |
+-------------------------------------+------------------+------------+
| Divorce                             | HB 4235.1,       |            |
|                                     |                  |            |
|                                     | Section 4-3C(2)  |            |
+-------------------------------------+------------------+------------+
| Documentation                       | HB 4325.1,       |            |
|                                     | Section 4-7      |            |
+-------------------------------------+------------------+------------+
| Endorsement                         | HB 4235.1,       | ML 04-39   |
|                                     | Section 6-11     |            |
+-------------------------------------+------------------+------------+
| Binder Documents                    |                  | ML 97-38;  |
|                                     |                  | -4-39      |
+-------------------------------------+------------------+------------+
| Living Trust                        | HB 4235.1,       |            |
|                                     | Section 4-5      |            |
+-------------------------------------+------------------+------------+
| Eligibility                         |                  | ML 96-15   |
+-------------------------------------+------------------+------------+
| Endorsement                         |                  | ML 01-18   |
+-------------------------------------+------------------+------------+
| Face-to-Face Interview              |                  | ML 00-10   |
+-------------------------------------+------------------+------------+
| Fees                                | HB 4235.1,       |            |
|                                     | Section 6-13     |            |
+-------------------------------------+------------------+------------+
| Form 1007                           |                  | ML 98-25   |
+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| HECM (Continued)                    |                  |            |
+-------------------------------------+------------------+------------+
| Home Inspection Fee \$300           |                  |            |
+-------------------------------------+------------------+------------+
| Lead Based Paint                    | HB 4235.1,       | ML 97-10,  |
|                                     | Section 3-5E     | #V         |
+-------------------------------------+------------------+------------+
| Life Estate                         |                  | ML 97-15,  |
|                                     |                  | #6         |
+-------------------------------------+------------------+------------+
| Maximum Claim Amount                | HB 4235.1,       | ML 01-18   |
|                                     | Section 3-8B     |            |
+-------------------------------------+------------------+------------+
| Monthly Payment Calculations        |                  | ML 97-15,  |
|                                     |                  | #2         |
+-------------------------------------+------------------+------------+
| Origination Fee (Financing Maximum  |                  | ML 00-10   |
| Including                           |                  |            |
|                                     |                  |            |
| Broker Fee                          |                  |            |
+-------------------------------------+------------------+------------+
| Origination Process                 |                  | ML 97-38   |
+-------------------------------------+------------------+------------+
| Payoffs (First Madison)             |                  | ML 04-05   |
+-------------------------------------+------------------+------------+
| Payment Change Fee                  |                  | ML 97-15,  |
|                                     |                  | #4         |
+-------------------------------------+------------------+------------+
| Principal Limit                     | HB 4235.1,       | MLs 97-15; |
|                                     | Section 1-4      | 99-02      |
+-------------------------------------+------------------+------------+
| Principal Residence                 | HB 4235.1,       |            |
|                                     |                  |            |
|                                     | Section 4-8A(2)  |            |
+-------------------------------------+------------------+------------+
| Rate Lock In                        |                  | ML 03-16   |
+-------------------------------------+------------------+------------+
| Refinancing (Existing HECM)         |                  | ML 04-18   |
+-------------------------------------+------------------+------------+
| Repairs                             | HB 4235.1,       |            |
|                                     | Section 3-5      |            |
+-------------------------------------+------------------+------------+
| Revision of Forms                   | HB 4235.1,       |            |
|                                     | Section 6-6      |            |
+-------------------------------------+------------------+------------+
| Servicing Issues                    |                  | ML 01-16   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| Software                            |                  | MLs 04-18; |
|                                     |                  | 00-34;     |
|                                     |                  | 99-36      |
+-------------------------------------+------------------+------------+
| Subordinate Liens                   | HB 4235.1,       |            |
|                                     | Section 4-2E     |            |
+-------------------------------------+------------------+------------+
| Texas HECMs                         |                  | MLs 00-39; |
|                                     |                  | 00-34;     |
|                                     |                  | 00-09      |
+-------------------------------------+------------------+------------+
| Security Instruments                |                  | ML 00-39   |
+-------------------------------------+------------------+------------+
| Title Insurance Policy              | HB 4235.1,       | MLs 95-54, |
|                                     | Section 6-11I    | II;        |
|                                     |                  |            |
|                                     |                  | 97-15, #9  |
+-------------------------------------+------------------+------------+
| Trustee (Second Mortgage)           |                  | ML 97-15,  |
|                                     |                  | #8         |
+-------------------------------------+------------------+------------+
| UFMIP                               |                  | ML 01-18   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HMDA (Home Mortgage Disclosure Act) | HB 4155.1,       |            |
|                                     | Section 3-11G    |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HOA DUES -- ADVANCED PAYMENTS       |                  | ML 97-26   |
+-------------------------------------+------------------+------------+
| Seller Paid                         |                  | ML 97-26   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HOMEBUYER SUMMARY WAIVER            |                  | ML 99-32   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HOMEOWNER INSURANCE ESCROW          | HB 4330.1,       |            |
|                                     | Chapter 2        |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HOMEOWNERSHIP CENTERS               | HB 4000.2, App.  |            |
|                                     | I                |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| HOTEL & TRANSIENT USE               | HB 4155.1,       |            |
|                                     | Section 3-8      |            |
+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| HUD-1 SETTLEMENT STATEMENT          |                  |            |
+-------------------------------------+------------------+------------+
| Addendum                            |                  | ML 91-9    |
+-------------------------------------+------------------+------------+
| Addendum for Purchase only Not      |                  | ML 97-26   |
| Refis                               |                  |            |
+-------------------------------------+------------------+------------+
| Disclosure of 3^rd^ Party           |                  | ML 90-14   |
| Participation                       |                  |            |
+-------------------------------------+------------------+------------+
| Itemize all Credits to Borrower     | HB 4155.1,       | ML 94-7    |
|                                     | Section 1-9J2    |            |
+-------------------------------------+------------------+------------+
| Premium Pricing                     |                  | ML94-7, #I |
+-------------------------------------+------------------+------------+
| Yield Spread Premiums               |                  | ML 01-26   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| ## I                                |                  |            |
+-------------------------------------+------------------+------------+
| IDENTIFY BORROWER                   |                  | ML 94-55   |
|                                     |                  |            |
| (Elimination of Picture ID          |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| IDENTITY-OF-INTEREST                | HB 4155.1,       |            |
|                                     | Section 1-8A     |            |
+-------------------------------------+------------------+------------+
| Downpayment Assistance Programs     |                  | ML 96-18,  |
|                                     |                  | #II        |
+-------------------------------------+------------------+------------+
| Lender (Loan Officer/Broker)        |                  | ML 94-39   |
+-------------------------------------+------------------+------------+
| Picture -- No Longer in Case Binder |                  | ML 94-55   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| IMPORTANT NOTICE TO HOMEBUYERS      |                  | MLs 00-46; |
|                                     |                  | 97-27      |
| (92900-B)                           |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INCOME                              |                  |            |
+-------------------------------------+------------------+------------+
| Automated Employment/Income         |                  | ML 97-26   |
| Verification                        |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| Effective                           | HB 4155.1,       |            |
|                                     | Section 2-7      |            |
+-------------------------------------+------------------+------------+
| Alimony                             | HB 4155.1,       |            |
|                                     | Section 2-7F     |            |
+-------------------------------------+------------------+------------+
| Auto/Expense Accounts               | HB 4155.1,       |            |
|                                     | Section 2-7O     |            |
+-------------------------------------+------------------+------------+
| Child Support                       | HB 4155.1,       |            |
|                                     | Section 2-7F     |            |
+-------------------------------------+------------------+------------+
| Commission                          | HB 4155.1,       |            |
|                                     | Section 2-7D     |            |
+-------------------------------------+------------------+------------+
| Employer Differential Payments      | HB 4155.1,       |            |
|                                     | Section 2-7J     |            |
+-------------------------------------+------------------+------------+
| Disability                          |                  | ML 00-24   |
+-------------------------------------+------------------+------------+
| Government Assistance               | HB 4155.1,       |            |
|                                     | Section 2-7L     |            |
+-------------------------------------+------------------+------------+
| Grossing Up                         | HB 4155.1,       | ML 97-26   |
|                                     | Section 2-7P     |            |
+-------------------------------------+------------------+------------+
| Interest/Dividends                  | HB 4155.1,       |            |
|                                     | Section 2-7H     |            |
+-------------------------------------+------------------+------------+
| Maintenance                         | HB 4155.1,       |            |
|                                     | Section 2-7F     |            |
+-------------------------------------+------------------+------------+
| Military                            | HB 4155.1,       |            |
|                                     | Section 2-7C     |            |
+-------------------------------------+------------------+------------+
| Mortgage Credit Certificates        | HB 4155.1,       |            |
|                                     | Section 2-7I     |            |
+-------------------------------------+------------------+------------+
| Non-taxable (grossing up)           | HB 4155.1,       | ML 97-26   |
|                                     | Section 2-7Q     |            |
+-------------------------------------+------------------+------------+
| Notes Receivable                    | HB 4155.1,       |            |
|                                     | Section 2-7G     |            |
+-------------------------------------+------------------+------------+
| Overtime/Bonus                      | HB 4155.1,       |            |
|                                     | Section 2-7A     |            |
+-------------------------------------+------------------+------------+
| Part-time                           | HB 4155.1,       |            |
|                                     | Section 2-7B     |            |
+-------------------------------------+------------------+------------+
| Projected Income                    | HB 4155.1,       |            |
|                                     | Section 2-7R     |            |
+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| INCOME (Continued)                  |                  |            |
+-------------------------------------+------------------+------------+
| Rental Income                       | HB 4155.1,       |            |
|                                     | Section 2-7M     |            |
+-------------------------------------+------------------+------------+
| Retirement/Social Security          | HB 4155.1,       |            |
|                                     | Section 2-7E     |            |
+-------------------------------------+------------------+------------+
| Trust Income                        | HB 4155.1,       |            |
|                                     | Section 2-7P     |            |
+-------------------------------------+------------------+------------+
| Tips (Commission)                   | HB 4155.1,       |            |
|                                     | Section 2-7D     |            |
+-------------------------------------+------------------+------------+
| V.A. Benefits                       | HB 4155.1,       |            |
|                                     | Section 2-7K     |            |
+-------------------------------------+------------------+------------+
| Stability                           | HB 4155.1,       |            |
|                                     | Section 2-6      |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INCOME TAX RETURNS                  | HB 4155.1,       |            |
|                                     |                  |            |
|                                     | Sections 2-9C,   |            |
|                                     | 3-1G             |            |
+-------------------------------------+------------------+------------+
| Corporate (IRS 1120)                | HB 4155.1,       |            |
|                                     |                  |            |
|                                     | Section 2-9C(2)  |            |
+-------------------------------------+------------------+------------+
| Partnership (IRS 1065)              | HB 4155.1,       |            |
|                                     |                  |            |
|                                     | Section 2-9C(4)  |            |
+-------------------------------------+------------------+------------+
| "S" Corporation (IRS 1120S)         | HB 4155.1,       |            |
|                                     |                  |            |
|                                     | Section 2-9C(3)  |            |
+-------------------------------------+------------------+------------+
| Schedule B                          | HB 4155.1,       |            |
|                                     |                  |            |
|                                     | Section          |            |
|                                     | 2-9C(1)(e)       |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INDIAN LANDS                        | See Tribal Trust |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INDUCEMENTS TO PURCHASE             | HB 4155.1,       |            |
|                                     | Section 1-7B     |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INELIGIBLE BORROWERS                | HB 4000.2,       |            |
|                                     | Section 1-6      |            |
+-------------------------------------+------------------+------------+
| Limited Denial of Participation     | HB 4000.2,       |            |
| (LDP)                               | Section 1-6A1    |            |
+-------------------------------------+------------------+------------+
| Delinquent Federal Debts            | HB 4000.2,       |            |
|                                     | Section 1-6A2    |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INFORMEND CONSUMER CHOICE NOTICE    |                  | ML 99-23   |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INSPECTIONS                         |                  |            |
+-------------------------------------+------------------+------------+
| Certificate of Occupancy            |                  | MLs 01-27; |
|                                     |                  | 96-18      |
+-------------------------------------+------------------+------------+
| Compliance                          | HB 4000.1,       |            |
|                                     |                  |            |
|                                     | Section 3-8 A &  |            |
|                                     | B                |            |
|                                     |                  |            |
|                                     | HB 4000.2,       |            |
|                                     | Section 2-10     |            |
+-------------------------------------+------------------+------------+
| Local Inspections                   | HB 4145.1,       | MLs 01-27; |
|                                     |                  | 96-18;     |
|                                     | Sections 6-3 &   | 97-22      |
|                                     | 4-26             |            |
|                                     |                  |            |
|                                     | App. 11          |            |
+-------------------------------------+------------------+------------+
| Final on New Construction           |                  | MLs 4-26;  |
+-------------------------------------+------------------+------------+
| New Construction                    | HB 4145.1,       |            |
|                                     | Section 4-2 &    |            |
|                                     |                  |            |
|                                     | 4-3              |            |
+-------------------------------------+------------------+------------+
| Repairs, Completed                  |                  | ML 96-18   |
+-------------------------------------+------------------+------------+
| Required Form                       |                  | ML 96-67   |
+-------------------------------------+------------------+------------+
| # SUBJECT                           | **HANDBOOK**     | *          |
|                                     |                  | *MORTGAGEE |
|                                     | **(HB)**         | LETTER     |
|                                     |                  | (ML)**     |
+-------------------------------------+------------------+------------+
| INSPECTIONS (Continued)             |                  |            |
+-------------------------------------+------------------+------------+
| Termite (Wood Destroying Insect     | FHA Connection   | MLs97-22;  |
| Inspection Report                   | Message Board,   | 97-40      |
|                                     | 1/13/05          |            |
| Form NPMA-33 (Replaces NPCA-1)      |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INSTRUMENTALITY OF GOVERNMENT       |                  | ML 94-2    |
|                                     |                  |            |
|                                     |                  | Memo       |
|                                     |                  | 8-23-01    |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INSURANCE AUTHORIZATION (365 Days)  | HB 4000.2,       |            |
|                                     | Section 5-1E     |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INSURANCE ENDORSEMENT               | HB 4000.2,       |            |
|                                     | Section 1-9      |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INTEREST CREDIT                     |                  |            |
+-------------------------------------+------------------+------------+
| Purchase                            | HB 4155.1,       | ML 93-29,  |
|                                     | Section 1-9B     | Par 3      |
+-------------------------------------+------------------+------------+
| Refinance                           | HB 4165.1,       | ML 93-29,  |
|                                     | Section 2-10; HB | Par E      |
|                                     | 4000.2 Section   |            |
|                                     | 5-1E; HB 4330.1  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INTEREST RATE                       | HB 4000.2,       |            |
|                                     | Section 1-9      |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| INVESTMENT PROPERTIES               | HB 4155.1,       |            |
|                                     | Sections 1-4C;   |            |
|                                     | 1-12             |            |
+-------------------------------------+------------------+------------+
| Assumptions                         | HB 4155.1,       |            |
|                                     | Section 4-5A     |            |
+-------------------------------------+------------------+------------+
| Mixed Use                           |                  | ML 95-40,  |
|                                     |                  | #III       |
+-------------------------------------+------------------+------------+
| Mortgages                           | HB 4155.1,       |            |
|                                     | Sections 1-4:    |            |
|                                     | 1-6B(5) & (6)    |            |
+-------------------------------------+------------------+------------+
| REO Sales                           |                  | ML 89-31   |
+-------------------------------------+------------------+------------+
| Ratios (203(k) only 85%)            |                  | ML 95-40,  |
|                                     |                  | #III       |
+-------------------------------------+------------------+------------+
| Section 203(K) Rehab                | HB 4240.4        |            |
+-------------------------------------+------------------+------------+
| Moratorium                          |                  | ML 96-59   |
+-------------------------------------+------------------+------------+
| Secretary-Held                      | HB 4155.1,       |            |
|                                     | Section 1-4A     |            |
+-------------------------------------+------------------+------------+
| Downpayment                         |                  | Notice     |
|                                     |                  | 98-32      |
+-------------------------------------+------------------+------------+
| Streamline Refinance W/O Appraisal  | HB 4155.1,       | ML 01-12   |
|                                     |                  |            |
|                                     | Sections 1-4C;   |            |
|                                     | 1-12             |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
| ITEMIZE HUD-1                       | HB 4155.1,       | ML 94-7    |
|                                     | Section 1-9J (2) |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+
|                                     |                  |            |
+-------------------------------------+------------------+------------+