www.hudclips.org 


U. S. Department of Housing and Urban Development
Washington, D.C. 20410-8000

 
May 24, 1995
 
OFFICE OF THE ASSISTANT SECRETARY
FOR HOUSING-FEDERAL HOUSING COMMISSIONER
 
MORTGAGEE LETTER 95-25
 
     TO:  All Approved Mortgagees
 
     Attention:  Single Family Servicing Managers
 
     Subject:  1995 Preservation and Protection/Post Endorsement Guidelines
               and Fee Schedules
 
          The Department is continuing to work toward bringing consistency
     to preservation and protection requirements and allowable costs.  The
     implementation of the Regional preservation and protection guidelines
     and cost schedules was a major step in improving guidance and resulted
     in consistency and specificity on allowable preservation and
     protection costs.
 
          In view of the fact that the Department's Regional Offices have
     been phased out, the Attached 1995 Preservation and Protection/Post
     Endorsement Guidelines and Fee Schedules are being issued by HUD
     Headquarters.  Each local office's requirements and cost limits for
     preservation and protection and post-endorsement activities have been
     incorporated into this document and are effective 45 days from the
     date of this Mortgagee Letter.  The local offices remain grouped
     together in this document as they were under the former Regional
     structure.  The issuance of this document is intended to provide
     updated specifications and allowable costs and an orderly transition
     from the Regional process.
 
          Consolidating the requirements into one issuance ensures that the
     1995 requirements are as uniform as possible and that implementation
     occurs on the same date nationwide.  This consistency and uniformity
     should assist mortgagees in complying with HUD requirements.
 
          Mortgagees should be aware that the names of many local HUD
     offices have changed and are reflected in this document.
     Additionally, please note that the "Request to Exceed Cost Limit(s)
     for Preservation and Protection" format has been changed from the one
     provided as Appendix 14 of HUD Handbook 4330.4, Rev-1, FHA Single
     Family Insurance Claims.  Mortgagees are to use the format outlined
     in Attachment 9 of this Mortgagee Letter when submitting a request to
     the local HUD office for permission to exceed all allowable cost
     limit(s).
 
     Should you have any questions, please direct them to the appropriate
     local office as shown in Section III of the guidelines.
 
     Attachment
 
                                        ________________________________
                                        Assistant Secretary for Housing-
                                        Federal Housing Commissioner
 
                                                            Attachment
 
                                   1995
 
     I.   PRESERVATION AND PROTECTION
          GUIDELINES AND COST SCHEDULES
 
     II.  POST ENDORSEMENT FEES AND
          CHARGES
 
     III. DIRECTORY OF LOCAL HUD OFFICES
 
                                                MORTGAGEE LETTER 95-25
 
                         TABLE OF CONTENTS
 
SECTION I.     GENERAL REQUIREMENTS FOR PRESERVATION
               AND PROTECTION SERVICES                                Page
 
     A.   Claiming Reimbursement........................................ 1
 
     B.   Responsibility for Damage..................................... 2
 
          1.   Damage by Fire, Flood, Earthquake, Tornado, Hurricane,
                 or Boiler Explosion.................................... 2
 
          2.   Damage Due to Mortgagee Neglect.......................... 3
 
     C.   Existing Warranties........................................... 3
 
     D.   Demolition Notices............................................ 4
 
     E.   Code Violation Notices........................................ 4
 
     F.   Inspections................................................... 4
 
     G.   Securing...................................................... 4
 
     H.   Boarding of Properties........................................ 4
 
     I.   Debris Removal................................................ 4
 
     J.   Hazardous Waste Removal....................................... 5
 
     K.   Ground and Yard Maintenance................................... 5
 
     L.   Eviction Costs................................................ 5
 
     M.   Winterization................................................. 5
 
     N.   Utilities..................................................... 5
 
     O.   Securing/Winterizing Swimming Pools........................... 6
 
     P.   Photographs................................................... 6
 
     Q.   Signs For Emergency Contact................................... 6
 
     R.   Extensions of Time............................................ 6
 
                                                MORTGAGEE LETTER 95-25
 
                       TABLE OF CONTENTS
 
SECTION I.     GENERAL REQUIREMENTS FOR PROTECTION AND
               PRESERVATION SERVICES (continued)
 
     ATTACHMENTS
 
     Attachment 1        Preservation and Protection Overall Maximum Cost
                         Schedule
 
     Attachment 2        Inspection Service Requirements and Cost Schedule
 
     Attachment 3        Lock Change/Securing Service Requirements and Cost
                         Schedule
 
     Attachment 4        Boarding Service Requirements and Cost Schedule
 
     Attachment 5        Debris Removal Service Requirements and Cost
                         Schedule
 
     Attachment 6        Yard Maintenance Service Requirements and Cost
                         Schedule
 
     Attachment 7        Winterization Service Requirements and Cost
                         Schedule
 
     Attachment 8        Photograph Requirements and Cost Schedule
 
     Attachment 9        "Request to Exceed Cost Limit(s) For Preservation
                         and Protection"
 
SECTION II.    POST ENDORSEMENT FEES AND CHARGES
 
SECTION III.   DIRECTORY OF LOCAL HUD OFFICES
 
                                                MORTGAGEE LETTER 95-25
               1995 PRESERVATION AND PROTECTION GUIDELINES
 
SECTION I.     GENERAL REQUIREMENTS FOR PRESERVATION AND
               PROTECTION SERVICES
 
A.   CLAIMING REIMBURSEMENT
 
     Mortgagees are expected to exercise the same level of diligence and
prudence in protecting and preserving vacant FHA insured properties that
would be provided if they could look only to the security for recovery.
Reasonable action must be taken to protect and preserve properties against
potential damage or to stop progressive deterioration until conveyance to
HUD, if such action does not constitute illegal trespass.
 
     If a property, where the mortgage is insured on or after January 1,
1977, is damaged because of the mortgagee's failure to take reasonable
action to protect and preserve or initiate foreclosure, the mortgagee will
be held accountable.  For the purpose of claiming reimbursement, actions
identified herein and performed in accord with the work requirements, will
be considered to have been approved by HUD provided they meet all
applicable cost limits.  The mortgagee may take additional protection and
preservation measures but will be reimbursed only if the mortgagee obtains
prior written approval from the local HUD office.
 
     Mortgagees may expend up to the maximum amount listed in Attachment 1
for the protection and preservation of an insured property without prior
HUD approval.  The costs of boarding, inspections, photographs, securing
swimming pools, and utility bills are not included in the maximum limit per
property.  All expenditures must be supported by receipts and only amounts
which fall within allowable cost limits may be claimed for reimbursement.
If it is determined that amounts paid for reimbursement are inappropriate,
unnecessary, unsupported, excessive, or that bids obtained were not
independent and competitive, or that services claimed have not been
completely or properly performed HUD will require repayment of all such
claim amounts.  No claim for reimbursement shall be made for protection and
preservation services performed after conveyance to the Commissioner unless
prior written approval is obtained from the local HUD office.  (Payment of
certain utility bills is the exception.  See Item N.)
 
     For the most part, the more diligent the mortgagee is in completing
the foreclosure process and conveying the property in a timely manner, the
smaller the amount of expenditures for protection and preservation will be.
A mortgagee may utilize any individual or firm to perform protection and
preservation services on FHA-insured properties, however, the mortgagee
shall remain fully responsible to the Secretary of HUD for the actions of
its agents and the actions of its agent shall be considered the actions of
the mortgagee.
 
     Expenses which fall within the individual cost limits described in
this schedule are considered to be reasonable and are approved by HUD as
long as the aggregate does not
 
                                   1
                                                MORTGAGEE LETTER 95-25
 
exceed the maximum limit per property prescribed in Attachment 1.  Any
expenses which exceed the cost limits or exceed the overall maximum cost
limit per property as described in this document are not considered
approved by HUD unless prior written approval has been obtained from the
local HUD office.
 
     All requests to exceed cost limits must be submitted to the local HUD
office in the sample format provided in Attachment 9, entitled "Request to
Exceed Cost Limit(s) for Preservation and Protection".  Please note that
this sample format supersedes the format included in HUD Handbook 4330.4
Rev. 1.
 
     All requests to exceed an individual item's cost limit or the maximum
total limit per property must contain justification to support the request.
Mortgagees must promptly submit written requests to the local HUD office
having jurisdiction where the property is located.  All local HUD offices
have been instructed to promptly respond to each request.  If a written
response has not been received within 10 days, mortgagees must follow up
with the local HUD office and continue to follow up with the local HUD
office until a written response is received.
 
     In emergency situations, mortgagees may fax their requests to the
local HUD office and confirm receipt of these requests verbally.  The local
HUD offices will respond to your emergency requests via facsimile if
requested.  Mortgagees shall be responsible to confirm receipt and
legibility of all requests sent via facsimile.
 
     If a mortgagee elects, as a matter of convenience, to obtain services
at a cost higher than the allowable limits, it may do so, providing amounts
in excess of the limits are not claimed for reimbursement.
 
     The local HUD office may be asked to rule on any fee or charge not
specifically mentioned in this document.  The determination to allow a fee
or charge will be based on what is reasonable and customary.
 
B.   RESPONSIBILITY FOR DAMAGE
 
     A vacant property must be protected and preserved while it is in the
possession of the mortgagee so that it will not be damaged at the time of
conveyance.  A prudent mortgagee will protect and preserve a vacant
property to avoid potential damage to the property and avoid potential
surcharges to the claim.  HUD will reimburse the mortgagee for required
preservation & protection costs, within the established cost limits, when
these expenditures are adequately documented and properly completed.
 
     1.   DAMAGE BY FIRE, FLOOD, EARTHQUAKE, TORNADO, HURRICANE, OR BOILER
EXPLOSION (CONDOMINIUM UNITS ONLY) - All properties conveyed to HUD must be
undamaged by fire, flood, earthquake, tornado, hurricane or boiler
explosion (condominium units only).  The mortgagee must repair the damage
or obtain prior written permission from HUD to convey the property in
damaged condition.  Where the decision of the local HUD office is to
require the mortgagee to repair the property before conveyance, HUD will
not reimburse the mortgagee for the cost of these repairs.
 
                                   2
                                                     MORTGAGEE LETTER 95-25
     2.   DAMAGE DUE TO MORTGAGEE NEGLECT - For properties insured on or
after January 1, 1977, mortgagees will be held responsible if their failure
to take adequate action to preserve and protect resulted in damage.  A
mortgagee's failure to inspect, protect, preserve, or initiate foreclosure
within the required timeframe will be considered mortgagee neglect.
 
     Properties which become damaged because of mortgagee neglect also
require the mortgagee to repair the damage or obtain prior permission from
HUD to convey the property in damaged condition.  Where the decision of the
local HUD office is to require the mortgagee to repair the property before
conveyance, HUD will not reimburse the mortgagee for the cost of these
repairs.
 
     If permission is given to convey a property in a damaged condition due
to either fire, flood, earthquake, tornado, hurricane, boiler explosion
(condominium units only) or mortgagee neglect, the greater of any insurance
recovery or HUD's estimate of the cost to repair the property shall be
deducted from the mortgage insurance benefits.  Where the claim is to be
adjusted for damages, item 24, Form HUD-27011 should be marked "yes" and
items 26 and 27 must be completed.
 
     In the event the mortgagee denies responsibility for the damage, Item
24 of Part A, Form HUD-27011, should be marked "no."  The damage must be
identified and the reason for denial of responsibility must be explained in
the Mortgagee Comments section on the reverse side of Part A.  When the
mortgagee denies responsibility for the damage, the mortgagee also must
provide the local HUD office with all documentation, including copies of
all inspections, which they feel will verify that appropriate action was
taken to protect and preserve the property from the time of default to
conveyance.  This documentation shall accompany the copy of Part A, Form
HUD-27011, which must be sent to the local HUD office.
 
     All documentation must include the FHA case number, be legible, and be
securely fastened to the claim form.  Without adequate documentation to
support the mortgagee's position, the local HUD office will deem such
damage (for properties insured on or after January 1, 1977) as being due to
the mortgagee's failure to take appropriate action to preserve and protect
the property.
 
C.   EXISTING WARRANTIES
 
     The Department is not authorized to reimburse mortgagees for repairs
to properties other than P & P related expenses.  While undertaking repairs
to a property, mortgagees should always be aware of existing warranties on
properties that have been built within the previous ten years.
 
                                   3
 
                                                     MORTGAGEE LETTER 95-25
D.   DEMOLITION NOTICES
 
     Mortgagees must forward copies of demolition notices to the local HUD
office immediately upon discovery.  Within ten days of notice, the local
HUD office will advise the lender to either allow the demolition of the
property to proceed, or have the demolition postponed until after
conveyance to allow the Department the option of salvaging properties that
may be economically feasible to repair.  Since demolition is seen as an
extreme measure, local HUD offices should expect few such requests from
lenders.
 
E.   CODE VIOLATION NOTICES
 
     Mortgagees must address all local code violation notices, as well as
safety and health issues upon discovery.  For guidance and authority on
appropriate action to pursue, contact the local HUD office having
jurisdiction over the property (see Section III).
 
F.   INSPECTIONS
 
     When a mortgage is in default and a payment is not received within 45
days of the due date, and efforts to reach the mortgagor by telephone or
other means within that period have proven unsuccessful, the mortgagee
shall make a visual inspection of the property to determine occupancy
status in accordance with the requirements as stated in Attachment 2.
 
G.   SECURING
 
     Properties must be secured to prevent unauthorized entry and to
protect against weather damage in accordance with the requirements as
stated in Attachment 3.
 
H.   BOARDING OF PROPERTIES
 
     The cost of boarding properties is not to be included in the maximum
allowable limit per property.  Mortgagees shall not board a property
unless: they have prior written approval from the local HUD office; the
property is severely fire damaged and must be secured for safety reasons;
or the property is located in one of the pre-approved boarding areas.
Attachment 4 details boarding service requirements, cost limits, and
pre-approved boarding areas.
 
I.   DEBRIS REMOVAL
 
     HUD will not reimburse amounts in excess of the amount listed in
Attachment S for cleaning and debris removal without prior written approval
from the local HUD office.  A mortgagee may expend up to this amount
without local HUD office approval if the services are within the cost
limits established in Attachment 5.  Costs such as labor hours, dump fees,
and transportation costs (i.e. fuel, mileage, truck rental, etc.) should
not be claimed in addition to debris removal cost limits, as these costs
are incorporated in the per unit allowable cost for debris removal.  See
Attachment 5 for detailed requirements, allowable costs, and any special
instructions for individual local HUD offices.  Attachment 5 also lists the
local HUD offices that do not require lenders to remove debris.
 
                                   4
                                                     MORTGAGEE LETTER 95-25
J.   HAZARDOUS WASTE REMOVAL
 
     Most residential properties will have very limited hazardous waste.
See Attachment 5 for specific requirements regarding the removal of
hazardous waste.
 
K.   GROUND AND YARD MAINTENANCE
 
     Ground and yard maintenance  must be performed in accordance with the
requirements as stated in Attachment 6.
 
L.   EVICTION COSTS
 
     The cost of removing items from the property is considered an eviction
cost if these are removed by local law enforcement or crews under the
control and direction of local law enforcement where the mortgagee has no
control over the timing of removal.  Costs must be claimed within the
parameters of Attachment 5 (i.e. amount per cubic yard), however, the
allowable cost limit for debris removal may be exceeded if necessary
without prior HUD approval.  Costs such as labor hours, dump fees, and
transportation costs (i.e. fuel, mileage, truck rentals, etc.) should not
be claimed in addition to debris removal cost limits as these costs are
incorporated in the per unit allowable cost for debris removal.  Only
reasonable costs for eviction crews necessary to accomplish the eviction
will be reimbursed.  For example, waiting for sheriff, supervisor, etc.
will be disallowed.  If sheriff, statute, or local law requires that a
specific service be performed, such requirement must be documented.
 
Photographs are required to support all personal property/debris removed
from the property as part of an eviction.  A maximum of ten photographs
will be reimbursed as part of the eviction costs.  Mortgagees should use
discretion in determining if additional photos are needed to adequately
support all services/items to be claimed.  The maximum allowable amount per
photo is listed in Attachment 8.  Eviction costs should be entered in item
305 of Part D of the claim form.
 
M.   WINTERIZATION
 
     In jurisdictions where winterization is required, all properties must
be winterized between October 1 and March 31.  Properties should not be
winterized between April 1 and September 30.  Exceptions to these
winterization time periods and detailed service requirements are specified
in Attachment 7.
 
N.   UTILITIES
 
     In jurisdictions where utilities are to remain on, the mortgagee may
pay the bill and claim reimbursement for utility costs that cover the date
of the conveyance until the end of that utility's billing cycle.  See
Attachment 7 for specific requirements regarding utilities.
 
                                   5
 
                                                     MORTGAGEE LETTER 95-25
O.   SECURING/WINTERIZING SWIMMING POOLS
 
     Fees for securing or winterizing swimming pools are not included in
the maximum allowable limit per property.  Prior written approval from the
local HUD office is required for securing or winterizing pools.  See
Attachment 3 for specific requirements regarding swimming pools.
 
P.   PHOTOGRAPHS
 
     The cost of photographs will be allowed only to support expenses
beyond allowable cost limits and to support personal property/debris
removed as part of an eviction (unless otherwise specified in Attachment
8).
 
Q.   SIGNS FOR EMERGENCY CONTACT
 
     Mortgagees must post small signs no larger than 8.5" x 11" to an
interior window or front door.  The sign shall not state that the property
is pending foreclosure or give the phone numbers or name of the local HUD
office as a contact.  The sign should contain the lender's toll free
telephone number, if the mortgagee has one, and the telephone number of the
mortgagee's local representative company to contact in the event of
emergency.
 
R.   EXTENSIONS OF TIME
 
     Requests to exceed cost limits are not the same as requests to exceed
time frames.  A mortgagee's failure to receive a response from a local HUD
office to exceed cost limits does not constitute an extension of time to
convey title and submit Part A or an extension of time to provide title
evidence and submit Part B.  A separate request for each extension of time
must be submitted by the mortgagee.  All requests for extensions must be
submitted on Form HUD-50012, Mortgagee's Request for Extensions of Time.
Verbal requests for extensions will not be accepted.
 
     If you should have any questions, please contact the local HUD Office
(see Section III).
 
Attachments
 
                                   6
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 1
                                                              Page 1 of 1
 
          PRESERVATION AND PROTECTION OVERALL MAXIMUM
                         COST SCHEDULE
 
===========================================================================
                                                       Maximum
                                          _________________________________
Location            Local HUD Office(s)   1 Unit  2 Units  3 Units  4 Units
___________________________________________________________________________
               Connecticut State          $1,100  $1,200   $1,300   $1,400
               ____________________________________________________________
               Massachusetts State        $1,000  $1,250   $1,500   $1,750
New England    ____________________________________________________________
               New Hampshire State        $1,000  $1,100   $1,200   $1,300
               ____________________________________________________________
               Rhode Island State         $1,000  $1,200   $1,300   $1,400
___________________________________________________________________________
New York/      Albany, Buffalo, Camden,     $750    $900   $1,050   $1,200
New Jersey     New Jersey State (Newark*),
               New York State
               (New York City*)
___________________________________________________________________________
               District of Columbia,        $750  $1,250   $1,500   $1,750
               Pennsylvania State
               (Philadelphia*),
               Pittsburgh, Virginia State
               ____________________________________________________________
Mid-Atlantic   Maryland State               $900  $1,400   $1,600   $1,900
               ____________________________________________________________
               West Virginia State          $500    $700   $1,000   $1,150
___________________________________________________________________________
               Alabama State, Caribbean,    $500    $750   $1,000   $1,250
               Coral Gables, Georgia State,
Southeast/     Jacksonville, Kentucky State,
Caribbean      Knoxville, Memphis,
               Mississippi State, North
               Carolina State, Orlando,
               South Carolina State,
               Tampa, Tennessee State
               (Nashville*)
___________________________________________________________________________
               Cincinnati, Cleveland,       $750  $1,000   $1,250   $1,500
               Flint, Grand Rapids,
               Illinois State, Indiana
Midwest        State, Michigan State
               (Detroit*), Minnesota State,
               Ohio State (Columbus*),
               Wisconsin State
___________________________________________________________________________
               Arkansas State, Houston,     $500    $650     $800     $950
               Louisiana State (New Orleans*),
               Lubbock, New Mexico State,
               Oklahoma State (Oklahoma City*),
Southwest      San Antonio, Shreveport,
               Texas State (Ft. Worth*)
               ____________________________________________________________
               Tulsa                        $750    $950   $1,150   $1,350
___________________________________________________________________________
               Iowa State, St. Louis        $650    $900   $1,050   $1,150
               ____________________________________________________________
Great Plains   Kansas/Missouri State        $300    $350     $400     $450
(Kansas City*)
               ____________________________________________________________
               Nebraska State               $850    $900   $1,050   $1,150
___________________________________________________________________________
               Colorado State               $500    $550     $600     $650
Rocky          ____________________________________________________________
Mountains      Montana State, North Dakota  $500    $550     $600     $650
               State, Utah State
___________________________________________________________________________
               Arizona State (Phoenix*),    $500    $550     $600     $650
               Fresno, Hawaii State,
               Nevada State (Las Vegas*),
               Reno, Sacramento, San Diego,
               Santa Ana, Tucson
               ____________________________________________________________
Pacific/Hawaii California State             $250    $300     $350     $400
               (San Francisco*)
               ____________________________________________________________
               Los Angeles                  $800    $850     $900   $1,000
___________________________________________________________________________
Northwest/     Alaska State, Idaho State,   $500    $750   $1,000   $1,250
Alaska         Oregon State,
               Washington State
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 2
                                                              Page 1 of 5
 
               PROPERTY INSPECTION SERVICE REQUIREMENTS
                         AND COST SCHEDULE
 
     When a mortgage is in default and a payment is not received within 45
days of the due date, and efforts to reach the mortgagor by telephone or
other means within that period have proven unsuccessful, the mortgagee
shall make a visual inspection of the property to determine occupancy
status.
 
     If the property is occupied, and the mortgagor continues to be in
default, the mortgagee should continue to try to make contact with the
mortgagor or occupant each month by telephone or through correspondence.
If the mortgagee is unable to contact the mortgagor or occupant by any
other means, the property should be reinspected within 30 days of the last
inspection or last documented contact with the mortgagor or occupant.
However, some local HUD offices require more frequent inspections as
prescribed below.
 
     If it can be established by other means that the property is occupied,
an inspection is not necessary and will not be reimbursed.  If an
inspection is performed on an occupied property, the cost will only be
reimbursed if the mortgagee can provide adequate documentation to show that
the mortgagor or occupant could not be reached by any other means.  This
documentation must be maintained in the mortgagee's claim review file.  The
mortgagee must inspect a vacant or abandoned property every 30 days or as
prescribed below when a loan is in default to determine whether protection
and preservation action is necessary.
 
     Generally, reimbursement will be limited to one inspection for each
30-day cycle.  This inspection should not be earlier than 25 days or later
than 35 days after the last inspection.  Mortgagees will only be reimbursed
for additional inspections as provided below or when a local HUD office has
identified a need to inspect more frequently, and has made this a
requirement.  The cost of inspections is not included in the overall P&P
maximum.
 
     During bankruptcy actions and assignment processing, mortgagees should
be able to verify the status of the property without performing an on-site
inspection.  Reimbursement normally will not be made for occupancy
inspections if the mortgagor has filed bankruptcy until the bankruptcy has
been released, discharged, or the property is formally abandoned by the
bankruptcy trustee.  For cases being processed for assignment, mortgagees
may communicate with the local HUD office and/or counseling agency to
determine the mortgagor's status.  Therefore, there should be few cases
where an occupancy inspection is warranted and reimbursable during
assignment processing.
 
                         New England Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Connecticut State        None                       All                 $22
New Hampshire State                                   Inspections
Rhode Island State
___________________________________________________________________________
Massachusetts State      None                       All                 $25
                                                      Inspections
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 2
                                                              Page 2 of 5
 
               PROPERTY INSPECTION SERVICE REQUIREMENTS
                         AND COST SCHEDULE
 
                    New York / New Jersey Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Albany                Occupied properties secured   All                 $15
Buffalo               by delinquent FHA insured       Inspections
                      mortgages after January 1,
                      1977 will be inspected by
                      the mortgagee on a biweekly
                      basis to determine occupancy
                      during the period October 1
                      through March 31 until such
                      time that the loan is
                      reinstated or the property
                      is vacated and winterized.
                      Thereafter, properties are
                      to be inspected at least
                      monthly.
___________________________________________________________________________
Camden                None                          All                 $15
New Jersey State                                      Inspections
  (Newark*)
___________________________________________________________________________
New York State        None                          Inspection          $25
  (New York City*)
                                                    Occupied            $20
                                                      Inspection
===========================================================================
 
                         Mid-Atlantic Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
District of Columbia  For vacant properties, an     Inspection          $20
Maryland State        inspection sign-in sheet
Pennsylvania State    shall be affixed to the
  (Philadelphia*)     inside of the front door or   Additional          $10
Pittsburgh            a wall in the entry area of     units (for      /unit
Virginia State        the property.  The sheet        multiple
West Virginia State   should contain rows and         unit
                      columns for data entry.         properties)
                      As a minimum, the sheet
                      should reveal the date of
                      inspection, purpose of
                      inspection, mtgees name,
                      inspectors name, and
                      condition of property.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 2
                                                              Page 3 of 5
 
               PROPERTY INSPECTION SERVICE REQUIREMENTS
                         AND COST SCHEDULE
 
                    Southeast / Caribbean Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Alabama State         None                          Initial             $20
Caribbean                                             Inspection
Coral Gables
Georgia State                                       Subsequent          $15
Jacksonville                                          Inspections
Kentucky State
Knoxville
Memphis
Mississippi State
North Carolina State
Orlando
South Carolina State
Tampa
Tennessee State
  (Nashville*)
===========================================================================
 
                              Midwest Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Cincinnati            None                          All                 $15
Cleveland                                             Inspection
Flint
Grand Rapids
Illinois State
Michigan State
  (Detroit*)
Ohio State
  (Columbus*)
___________________________________________________________________________
Indiana State         Property to be inspected      All                 $15
Minnesota State       weekly from October 1           Inspection
                      through April 30 and
                      bi-weekly for the
                      remainder of the year.
___________________________________________________________________________
Wisconsin State       Property to be inspected      All                 $15
                      weekly from November 1          Inspection
                      through March 31 and
                      bi-weekly for the
                      remainder of the year.
===========================================================================
 
(*)  Indicate previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 2
                                                              Page 4 of 5
 
               PROPERTY INSPECTION SERVICE REQUIREMENTS
                         AND COST SCHEDULE
 
                         Southwest Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Arkansas State        None                          All                 $24
Houston                                               Inspection
Louisiana State
  (New Orleans*)
Lubbock
New Mexico State
Oklahoma State
  (Oklahoma City*)
San Antonio
Shreveport
Texas State
  (Ft. Worth*)
Tulsa
===========================================================================
 
                         Great Plains Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Iowa State            None                          Initial             $20
                                                      Inspection
 
                                                    Subsequent          $15
                                                      Inspections
___________________________________________________________________________
Kansas/Missouri       None                          Initial             $25
 State (Kan. City*)                                   Inspection
Nebraska State
St. Louis                                           Subsequent          $20
                                                      Inspections
===========================================================================
 
                         Rocky Mountain Offices
 
===========================================================================
Colorado State        None                          Initial             $25
Montana State                                         Inspection
North Dakota State                                  Subsequent          $20
Utah State                                            Inspection
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 2
                                                              Page 5 of 5
 
               PROPERTY INSPECTION SERVICE REQUIREMENTS
                         AND COST SCHEDULE
 
                       Pacific / Hawaii Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Arizona State         None                          All                 $15
  (Phoenix*)                                          Inspection
California State
  (San Francisco*)
Fresno
Los Angeles
Sacramento
San Diego
Santa Ana
Tucson
___________________________________________________________________________
Hawaii State          Vacant or abandoned           All                 $25
                      properties located in           Inspection
                      high vandal areas
                      (Waianae, Nanakuli, Maui,
                      & Makaha) are to be
                      inspected every 15 days.
___________________________________________________________________________
Nevada State          None                          All                 $20
  (Las Vegas*)                                        Inspection
___________________________________________________________________________
Reno                  During the period             All                 $15
                      September 15 through            Inspection
                      April 15, if the
                      mortgagors cannot be
                      contacted, properties over
                      4,000 ft. should be inspected
                      every 15 days until the
                      property is confirmed to be
                      vacant, at which time
                      securing and winterizing
                      should be accomplished
                      immediately.  Once winterized,
                      the property should be
                      inspected every 30 days.
===========================================================================
 
                         Northwest / Alaska Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)      General Requirements          Service        Cost
___________________________________________________________________________
Alaska State          When the mortgage is in       Initial             $25
                      default, and there is any       Inspection
                      reason to believe that the
                      mortgagor may abandon the     Subsequent          $25
                      property, the mortgagee/        Inspections
                      servicer should contact
                      the utility companies to
                      ensure that the heat will
                      remain on should the
                      mortgagor vacate.
___________________________________________________________________________
Idaho State           None                          Initial             $25
Oregon State                                          Inspection
Washington State
                                                    Subsequent          $25
                                                      Inspections
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 1 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
     Windows and doors must be secured to prevent unauthorized entry and to
protect against weather damage.  Broken glass which could permit entry
should be replaced, unless the opening is to be boarded.  In some
instances, temporary measures must be taken to protect the interior of the
property from damage caused by leaking roofs.  These temporary repairs in
the form of spot patchwork or replacing loose shingles should be performed
promptly.  Mortgagees should document the temporary measures taken to
protect the property.
 
     Locks are to be changed on the main entry door only unless otherwise
specified below.  Except as otherwise specified, the lock must be a master
lock as prescribed by the local HUD office as indicated below.  All
secondary entry doors must be secured.  Secure only those doors which
provide immediate access to the living area, attached garage, or basement
areas.  Doors must not be braced or nailed shut unless otherwise specified
below or the lender will be held accountable for any damage caused by these
practices.  All windows and other openings should be properly secured.
Garage doors and outbuildings must be secured With a padlock and hasp, and
entrance gates to fences surrounding pools with a padlock and chain when no
lock is present.  Detached garage or storage areas with locks matching the
main entry door shall be rekeyed to the same lock as the main entry door.
Two keys to all locks must be sent to the local HUD office with Part A.
Form-27011 or the lock change will be disallowed.  Failure to conform with
above lock installation instructions will result in disallowing that
portion of the claim for reimbursement.
 
     When applicable, unplug automatic garage door opener and secure garage
doors.  Garage doors should be left in such a condition as to allow for
opening and closing without the use of the automatic garage door opener.
Leave the remote key(s)/transmitter(s) in a kitchen counter drawer.
 
     If the re-securing of a property becomes necessary, the mortgagee must
obtain prior approval to expend the additional funds to re-secure the
property.
 
     Fees for securing or winterizing swimming pools are not included in
the maximum allowable limit per property.  Prior written approval from the
local HUD office is required for securing or winterizing pools.  See pages
27 - 30 for specific requirements and diagrams regarding swimming pool
securing.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 2 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              New England Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Connecticut State     Secondary doors on 1st floor  Install Kwikset     $60
Massachusetts State   only should be secured with   Master Lock
                      slide bolt.                   (No. 400T, US-3
                                                    PD67767KD) on
                                                    main entry door
 
                                                    Master Padlock      $40
                                                    A389 on garage
                                                    and outbuildings
 
                                                    Slide Bolt Doors    $25
 
                                                    Securing           $250
                                                    Swimming Pool
___________________________________________________________________________
New Hampshire State   Secondary doors on 1st floor  Install Dead        $60
Rhode Island State    only should be secured with   Bolt Lock (3/4"
                      slide bolt.                   solid bolt) on
                                                    main entry door.
 
                                                    Padlock and Hasp    $40
                                                    (for garage and
                                                    outbuilding only)
 
                                                    Rekey Existing      $25
                                                    Dead Bolt
 
                                                    Slide Bolt Doors    $25
                                                    Securing           $250
                                                    Swimming Pool
===========================================================================
 
                         New York / New Jersey Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Albany                                              Install Dead        $50
New Jersey State                                    Bolt Lock
  (Newark*)                                         (3/4" Lock)
                                                    door.  Master
                                                    key coded to
                                                    67767.
 
                                                    Padlock & hasp.     $50
                                                    Key coded to #17.
 
                                                    Rekey Existing      $25
                                                    Deadbolt to lock
                                                    type 67767
 
                                                    Slide Bolt          $25
                                                    installation on
                                                    Secondary doors
                                                    (1st floor only)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 3 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                    New York / New Jersey Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Buffalo             All locks must be accessible  Install Kwikset     $60
                    by a Kwikset master key cut   Lock (1" Lock)
                    to 67767 and a separate       on main entry door
                    entrance key.  Entrance
                    keys, not master keys are     Heavy Duty          $50
                    to be sent with the           Padlock & hasp
                    27011A claim form.  Each      for garage and
                    living unit within a          outbuilding.
                    multiple dwelling must
                    be made accessible            Rekey Existing      $30
                    by the same entry key,        Kwikset Deadbolt
                    either by rekey or new        to master keyed
                    deadbolt installation.        to 67767.
 
                                                  Slide Bolt          $25
                                                  installation on
                                                  Secondary doors
                                                  (1st floor only)
 
                                                  Heavy Duty          $40
                                                  Padlock & Chain
                                                  (pool areas)
___________________________________________________________________________
Camden                                            Install Dead        $50
                                                  Bolt Lock (3/4"
                                                  Lock) on main
                                                  entry door.
                                                  Master key coded
                                                  to 67767.
 
                                                  Master Padlock      $50
                                                  & hasp; key 389
                                                  or 432.
 
                                                  Rekey Existing      $25
                                                  Deadbolt to lock
                                                  type 67767
 
                                                  Slide Bolt          $25
                                                  installation on
                                                  Secondary doors
                                                  (1st floor only)
___________________________________________________________________________
New York State        In-ground pools may be        Install Master     $100
  (New York City*)    covered with plywood (5/8").  Lock #17 on main
                      Pool filtering equipment      entry door.
                      shall be drained & stored
                      safely with other pool        Slide Bolt Doors    $25
                      accessories found on          on secondary
                      the property.  Under no       doors (1st floor)
                      circumstances shall chicken
                      wire be used to secure a
                      pool.  All above-ground
                      pools, regardless of
                      condition shall be
                      dismantled & carted away.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 4 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Mid-Atlantic Offices
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
District of Columbia  Since lock sets or padlocks   Install Master      $50
                      are to be used on             Lock - key code
                      the main entry door only,     #76777
                      lenders may use bracing to
                      secure other doors leading    Padlock: United
                      to the exterior as needed.    States Lock #1971C
                      Specifically, bracing         or American Lock
                      should be used only when      #AM875 on main
                      exterior doors cannot be      entry door
                      otherwise secured from the
                      interior (i.e. existing lock  Swimming Pools     $350
                      is not functional).  If you   (Winterize,
                      have questions in connection  clean, & secure).
                      with when to employ bracing,  See page 28 for
                      contact the Property          instructions.
                      Disposition Branch of the
                      local HUD office.             Bracing             $10
 
                      Bracing - Cut a 2x4 inch
                      brace board to fit between
                      the interior door knob and a
                      cleat board nailed into the
                      floor at a 45 degree angle,
                      as shown below.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 5 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Mid-Atlantic Offices
                                   (continued)
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
Maryland State        Locks for each entrance       Lock Change:        $50
                      door, rear door, including    Install a
                      all doors on 1st floor and    Kwik-set protecto
                      basement should be changed    lock keyed to
                      using a standard lock set.    35241 on main
                                                    entry door.
                      Since lock sets or padlocks
                      are to be used on the main    Swimming Pools     $350
                      entry door only, lenders may  (Winterize,
                      use bracing to secure other   clean, & secure)
                      doors leading to the exterior
                      as needed.  Specifically,     Bracing             $10
                      bracing should be used only
                      when exterior doors cannot
                      be otherwise secured from
                      the interior (i.e. existing
                      lock is not functional).
                      If you have questions in
                      connection with when to
                      employ bracing, contact the
                      Property Disposition Branch
                      of the local HUD office.
 
                      Bracing - Cut a 2x4 inch
                      brace board to fit between
                      the interior door knob and a
                      cleat board nailed into the
                      floor at a 45 degree angle,
                      as shown below.
 
                      Swimming pools to be drained
                      & secured with 2"x4" framing
                      & 1/2" plywood as required
                      by code.  See page 28 for
                      further instructions.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 6 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Mid-Atlantic Offices
                              (continued)
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
Pennsylvania State    Use hasp and padlock only.    Install Master      $50
  (Philadelphia*)                                   (brand name)
                      Since lock sets or padlocks   padlock & hasp,
                      are to be used on the main    #5 or equal, (set
                      entry door only, lenders may  for either A 272 or
                      use bracing to secure other   A 297) on the
                      doors leading to the          main entry door.
                      exterior as needed.
                      Specifically, bracing should  Swimming Pools     $350
                      be used only when exterior    (Winterize, clean,
                      doors cannot be otherwise     & secure).  See
                      secured from the interior     page 28 for
                      (i.e. existing lock is not    instructions.
                      functional).  If you have
                      questions in connection       Bracing             $10
                      with when to employ bracing,
                      contact the Property
                      Disposition Branch of the
                      local HUD office.
 
                      Bracing - Cut a 2x4 inch
                      brace board to fit between
                      the interior door knob and a
                      cleat board nailed into the
                      floor at a 45 degree angle,
                      as shown below.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 7 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Mid-Atlantic Offices
                              (continued)
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
Pittsburgh            Since lock sets or padlocks   Install a hasp or   $60
                      are to be used on the main    eyebolt using #5
                      entry door only, lenders may  Master lock (keyed
                      use bracing to secure other   to Master key
                      doors leading to the exterior #A-389) or use
                      as needed.  Specifically,     Kwik-set protecto
                      bracing should be used only   lock set to key
                      when exterior doors cannot    #76777.
                      be otherwise secured from the
                      interior (i.e. existing lock  Slide Bolt Doors    $25
                      is not functional).  If you
                      have questions in connection  Swimming Pools     $350
                      with when to employ bracing,  (Winterize, clean,
                      contact the Property          & secure).  See
                      Disposition Branch of the     page 28 for
                      local HUD office.             instructions.
 
                      Bracing - Cut a 2x4 inch      Bracing             $10
                      brace board to fit between
                      the interior door knob and
                      a cleat board nailed into
                      the floor at a 45 degree
                      angle, as shown below.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 8 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Mid-Atlantic Offices
                              (continued)
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
Virginia State        All other outside doors       Install Kwik-set    $60
                      should be braced.  All        protecto lock
                      other openings should be      set to key
                      secured.                      #76777 on main
                                                    entry door.
                      Since lock sets or padlocks
                      are to be used on the main    Swimming Pools     $350
                      entry door only, lenders may  (Winterize,
                      use bracing to secure other   clean, &
                      doors leading to the exterior secure).  See
                      as needed.  Specifically,     page 28 for
                      bracing should be used only   instructions.
                      when exterior doors cannot
                      be otherwise secured from the Bracing             $10
                      interior (i.e. existing lock
                      is not functional).  If you
                      have questions in connection
                      with when to employ bracing,
                      contact the Property
                      Disposition Branch of the
                      local HUD office.
 
                      Bracing - Cut a 2x4 inch
                      brace board to fit between
                      the interior door knob and
                      a cleat board nailed into
                      the floor at a 45 degree
                      angle, as shown below.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 9 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Mid-Atlantic Offices
                              (continued)
 
===========================================================================
Local HUD                Variation(s) From General
Office(s)                       Requirements           Service        Cost
___________________________________________________________________________
West Virginia State   Since lock sets or padlocks   Install a hasp      $50
                      are to be used on the main    (or eyebolt where
                      entry door only, lenders may  appropriate) using
                      use bracing to secure other   #5 Master (brand
                      doors leading to the exterior name) lock or other
                      as needed.  Specifically,     brand name which is
                      bracing should be used only   comparable (keyed to
                      when exterior doors cannot    Master key #A-389)
                      be otherwise secured from the or use Kwik-set
                      interior (i.e. existing lock  protecto lock set
                      is not functional).  If you   to key #76777.
                      have questions in connection
                      with when to employ bracing,  Slide Bolt Doors    $25
                      contact the Property
                      Disposition Branch of the     Swimming Pools     $200
                      local HUD office.             (Winterize, clean,
                                                    & secure).  See
                      Bracing - Cut a 2x4 inch      page 28 for
                      brace board to fit between    instructions.
                      the interior door knob and a
                      cleat board nailed into the   Bracing             $10
                      floor at a 45 degree angle,
                      as shown below.
 
                      When resecuring properties
                      is necessary because of
                      vandalism, after the first
                      securing, mortgagees must
                      seek approval to expend
                      additional funds to resecure
                      the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 10 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Southeast / Caribbean Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)           General                  Service        Cost
                           Requirements
___________________________________________________________________________
Alabama State         Do not install slide          Lock Change         $45
                      installation on secondary     (Master Kwik-set
                      doors, however, doors         No. 400T, US-3,
                      must be secured to            PK67767KD on main
                      prevent unauthorized          entry door.)
                      entry and to protect
                      against weather damage.       Padlock and Hasp    $30
                                                    (Master No. A-389)
 
                                                    Replace Broken    $.48/
                                                    Glass              u.i.
                                                    (Note:  United
                                                    Inch (u.i.) is
                                                    defined as length
                                                    plus width.)
 
                                                    Secure Inground  $1.65/
                                                    Pool (see pages  sq.ft.
 
                                                    27 & 29 for        $750
                                                    instructions)      max.
 
                                                    Secure Above        $75
                                                    Ground Pool/
                                                    Jacuzzi/Hot Tub
___________________________________________________________________________
Caribbean                                           Lock Change         $45
Coral Gables                                        (Master Kwik-set
Georgia State                                       No. 400T, US-3,
Jacksonville                                        PK67767KD on
Kentucky State                                      main entry door.)
Knoxville
Memphis                                             Padlock and Hasp    $30
Mississippi State                                   (Master No. A-389)
North Carolina State
Orlando                                             Slide Bolt Doors    $25
Tampa
Tennessee State                                     Replace Broken    $.40/
  (Nashville*)                                      Glass              u.i.
                                                    (Note: United
                                                    Inch (u.i.) is
                                                    defined as length
                                                    plus width.)
 
                                                    Secure Inground  $1.65/
                                                    Pool (see pages  sq.ft.
 
                                                    27 & 29 for        $750
                                                    instructions)      max.
 
                                                    Secure Above        $75
                                                    Ground Pool/
                                                    Jacuzzi/Hot Tub
___________________________________________________________________________
South Carolina State  In-ground pools may be        Lock Change         $45
                      secured up to $1,300          (Master Kwik-set
                      maximum without prior         No. 400T, US-3,
                      HUD approval.                 PK67767KD on main
                                                    entry door.)
 
                                                    Padlock and Hasp    $30
                                                    (Master No. A-389)
 
                                                    Slide Bolt Doors    $25
 
                                                    Secure Inground  $1.65/
                                                    Pool (see pages  sq.ft.
 
                                                    27 & 29 for       $1300
                                                    instructions)       max
 
                                                    Secure Above        $75
                                                    Ground Pool/
                                                    Jacuzzi/Hot Tub
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 11 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Midwest Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Cincinnati
                      Use padlock and hasps only.   Padlock and Hasp    $25
                      Remove existing knob locks
                      on prime entry doors.         Replace Broken    $.25/
                                                    Glass (Note:       u.i.
                                                    United Inch (u.i.)
                                                    is defined as
                                                    length plus width.)
___________________________________________________________________________
Cleveland             If secondary doors cannot     Lock Change         $30
                      be secured with existing
                      hardware, doors should be     Padlock and Hasp    $20
                      braced in accordance with the (#3 master - or
                      appropriate diagram on pages  equivalent)
                      25 & 26 of this attachment.
                      Resecuring of vandalized      Brace Wood Door     $10
                      properties may be done
                      without prior approval.       Brace Metal Door    $20
 
                                                    Replace Broken    $.25/
                                                    Glass (Note:       u.i.
 
                                                    United Inch (u.i.)
                                                    is defined as
                                                    length plus width.)
___________________________________________________________________________
Flint                 Use padlock and hasps only.   Padlock and Hasp    $20
                      Remove existing knob locks
                      on prime entry doors.  Do     Brace Wood Door     $10
                      not install slide bolt
                      installation on secondary     Brace Metal Door    $20
                      doors.  If secondary doors
                      cannot be secured with
                      existing hardware, doors
                      should be braced in
                      accordance with the
                      appropriate diagram on
                      pages 25 & 26 of this
                      attachment.
___________________________________________________________________________
Grand Rapids          Install a HUD keybox on the   Padlock and Hasp    $20
                      door and include the key to   (#3 master - or
                      the existing lock inside      equivalent)
                      the box.
                                                    Slide Bolt Doors    $25
 
                                                    Replace Broken
                                                    Glass (Note:      $.25/
                                                    United Inch        u.i.
                                                    (u.i.) is
                                                    defined as
                                                    length plus width.)
___________________________________________________________________________
Illinois State        Use padlock and heavy duty    Padlock and Hasp    $25
                      slide action hasps only.  Do
                      not use eye bolts.            Replace Broken    $.25/
                                                    Glass (Note:       u.i.
                                                    United Inch
                                                    (u.i.) is
                                                    defined as length
                                                    plus width.)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 12 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Midwest Offices
                                (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Indiana State                                       Master Lock         $30
Ohio State                                         -Kwikset
  (Columbus*)
                                                    Padlock and Hasp    $20
                                                    (#3 master - or
                                                    equivalent)
 
                                                    Slide Bolt Doors    $25
 
                                                    Replace Broken    $.25/
                                                    Glass (Note:       u.i.
 
                                                    United Inch
                                                    (u.i.) is
                                                    defined as
                                                    length plus width.)
___________________________________________________________________________
Michigan State        Use padlock and hasps only.   Padlock and Hasp    $20
  (Detroit*)          Remove existing knob locks
                      on prime entry doors.  If     Plywood door        $55
                      no door exists, use plywood   with padlock and
                      door with padlock and hasp.   hasps.
                      Bracing is allowed only with
                      prior written approval in     Brace metal door    $25
                      accordance with the diagrams
                      on pages 25 & 26 of this      Brace wooden door   $15
                      attachment.
___________________________________________________________________________
Minnesota State       Wherever possible, replace    Replace cylinder    $20
                      cylinder in lock, providing
                      keys to HUD.  If necessary    Replace door        $35
                      replace door lockset in the   lockset
                      existing bore; provide keys.
                      If other house doors are      Padlock and hasp    $20
                      secure through being locked
                      or bolted, even if keys are   Replace broken     $35/
                      not available, do no other    glass (Typical     pane
                      securing.  If remaining       double hung
                      doors are not secure, rekey   window)
                      them as well.  Do not use a
                      slide installation, brace, or
                      any other securing method
                      which may damage the woodwork
                      or door.  The lender will be
                      held accountable for any
                      damage caused by incorrect
                      securing.  Garage &
                      outbuildings should be
                      secured through use of
                      padlock & hasp unless a
                      cylinder lock with key
                      available is in place;
                      do not rekey.
___________________________________________________________________________
Wisconsin State       Wherever possible, replace    Replace cylinder    $20
                      cylinder in lock; provide
                      keys.  If necessary, replace  Replace door        $35
                      door lockset (in existing     lockset
                      bore); provide keys.
                                                    Padlock and hasp    $20
 
                                                    Slide Bolt Doors    $25
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 13 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
 
===========================================================================
Local HUD                 Variation(s) From
Office(s)                General Requirements          Service        Cost
___________________________________________________________________________
Arkansas State        Swimming Pools - Do not       Master Lock -       $40
Oklahoma State        drain in-ground pools.  Add   Weiser or equal
 (Oklahoma City*)     2 gallons of household        on main entry
                      bleach (Clorox or Purex) or   door.
                      chlorine to pool.  A cover
                      must be installed to prevent  Padlock and hasp    $20
                      access.  Pool cover must be
                      constructed with 6x6 wire     Replace broken      $30
                      mesh & 6 mil visqueen or      window (small:
                      polyurethane over 2 by 6 at   24x36 in.)
                      16 O.C.  Cover must be
                      capable of supporting at      Replace broken      $35
                      least 50 lbs.  Fence          window (med.:
                      doors/gates must be           30x42 in.)
                      padlocked.  See page 30 of
                      this attachment for diagram.  Replace broken      $45
                      For Arkansas State            window (large:
                      properties, call the local    36x60 in.)
                      HUD office for instructions
                      for securing above ground     Replace picture    $100
                      pools.                        window
 
                                                    Reglaze windows     $10
                                                    w/o pane
                                                    replacement
 
                                                    Replace exterior   $150
                                                    door (solid core)
 
                                                    Pool Care &      $1.25/
                                                    Covering (see       sq.
 
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
___________________________________________________________________________
Houston               Office does not require lock  Kwikset Tylo-       $40
                      change.  Only if necessary    protecto Model No.
                      to gain access or to secure,  400T-US3, with
                      install lock.                 Bright Brass
                                                    Finish Key Code
                      Swimming Pools - Do not       #76776
                      drain in-ground pools.  Add
                      2 gallons of household bleach Padlock and hasp   $20/
                      (Clorox or Purex) or chlorine                    unit
                      to pool.  A cover must be
                      installed to prevent access.  Replace broken      $30
                      Pool cover must be            window (small:
                      constructed with 6x6 wire     24x36 in.)
                      mesh & 6 mil visqueen or
                      polyurethane over 2 by 6 at   Replace broken      $35
                      16 O.C.  Cover must be        window (med.:
                      capable of supporting at      30x42 in.)
                      least 50 lbs.  Fence
                      doors/gates must be           Replace broken      $45
                      padlocked.  See page 30 of    window (1arge:
                      this attachment for diagram.  36x60 in.)
                      For above ground pools,
                      contact the local HUD office  Replace picture    $100
                      for instructions.             window
 
                                                    Reglaze windows     $10
                                                    w/o pane
                                                    replacement
 
                                                    Replace exterior   $150
                                                    door (solid core)
 
                                                    Pool Care &      $1.25/
                                                    Covering (see       sq.
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 14 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local HUD                 Variation(s) From
Office(s)                General Requirements          Service        Cost
___________________________________________________________________________
Louisiana State       Install Kwikset, 400T -       Kwikset, 400T-      $40
  (New Orleans*)      Entry Pak, US 26D-finish.     Entry Pak, US 26D
                      This is the same lock system  finish
                      used by the Veterans Admin.
                      The manufacturer of this lock Padlock and hasp    $20
                      provides two keys with the
                      lock that, when inserted,     Replace broken      $30
                      will reset the tumblers so    window (small:
                      that the master key will no   24x36 in.)
                      longer open the lock.  These
                      keys must be sent to the      Replace broken      $35
                      Louisiana State office in     window (med.:
                      the envelope provided by      30x42 in.)
                      Kwikset with your conveyance
                      package.                      Replace broken      $45
                                                    window (large:
                      Swimming Pools - Do not       36x60 in.)
                      drain in-ground pools.  Add
                      2 gallons of household bleach Replace picture    $100
                      (Clorox or Purex) or chlorine window
                      to pool.  A cover must be
                      installed to prevent access.  Reglaze windows     $10
                      Pool cover must be            w/o pane
                      constructed  with 6x6 wire    replacement
                      mesh & 6 mil visqueen or
                      polyurethane over 2 by 6 at   Replace exterior   $150
                      16 O.C.  Cover must be        door (solid core)
                      capable of supporting at
                      least 50 lbs.  Fence          Pool Care &      $1.25/
                      doors/gates must be           Covering (see       sq.
                      padlocked.  See page 30 of    page 30 for        foot
                      this attachment for diagram.  specific
                                                    instructions)
                      For above ground pools,
                      contact the local HUD office
                      for instructions.
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 15 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local HUD                 Variation(s) From
Office(s)                General Requirements          Service        Cost
___________________________________________________________________________
Lubbock               Swimming Pools - Do not       Lock Change on      $40
                      drain in-ground pools.  Add   main entry door
                      2 gallons of household
                      bleach (Clorox or Purex) or   Padlock and hasp    $20
                      chlorine to pool.  A cover
                      must be installed to prevent  Replace broken      $30
                      access.  Pool cover must be   window (small:
                      constructed with 6x6 wire     24x36 in.)
                      mesh & 6 mil visqueen or
                      polyurethane over 2 by 6 at   Replace broken      $35
                      16 O.C.  Cover must be        window (med.:
                      capable of supporting at      30x42 in.)
                      least 50 lbs.
                      Fence doors/gates must        Replace broken      $45
                      be padlocked.  See page       window (large:
                      30 of this attachment for     36x60 in.)
                      diagram.  For above ground
                      pools, contact the local HUD  Replace picture    $100
                      office for instructions.      window
 
                                                    Reglaze windows     $10
                                                    w/o pane
                                                    replacement
 
                                                    Replace exterior   $150
                                                    door (solid core)
 
                                                    Pool Care &      $1.25/
                                                    Covering (see       sq.
 
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
___________________________________________________________________________
New Mexico State      Swimming Pools - Do not       Master Lock -       $40
                      drain in-ground pools.  Add 2 Weiser or equal
                      gallons of household bleach   on main entry door
                      (Clorox or Purex) or chlorine
                      to pool.  A cover must be     Padlock and hasp    $20
                      installed to prevent access.
                      Pool cover must be            Replace broken      $35
                      constructed with 6x6 wire     window (small:
                      mesh & 6 mil visqueen or      24x36 in.)
                      polyurethane over 2 by 6 at
                      16 O.C.  Cover must be        Replace broken      $40
                      capable of supporting at      window (med.:
                      least 50 lbs.  Fence          30x42 in.)
                      doors/gates must be
                      padlocked.  See page 30 of    Replace broken      $50
                      this attachment for           window (large:
                      diagram.  For above ground    36x60 in.)
                      pools, contact the local HUD
                      office for instructions.      Replace picture    $100
                                                    window
 
                                                    Reglaze windows     $15
                                                    w/o pane
                                                    replacement
 
                                                    Replace exterior   $150
                                                    door (solid core)
 
                                                    Pool Care &      $1.25/
                                                    Covering (see       sq.
 
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 16 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
San Antonio           The manufacturer of this      Kwikset Tylo-       $40
                      lock provides two keys with   protecto Model
                      the lock that, when inserted, No. 400T-US3 Key
                      will reset the tumblers so    Code #66555 on
                      that the master key will no   main entry door.
                      longer open the lock.  These
                      keys must be sent to the      Padlock and hasp    $20
                      local HUD office with your
                      conveyance pack in the        Replace broken      $30
                      envelope provided by Kwikset. window (small:
                                                    24x36 in.)
                      Post notice on a front window
                      stating that lock has been    Replace broken      $35
                      changed in accordance with    window (med.:
                      instructions.                 30x42 in.)
 
                      Swimming Pools - Do not drain Replace broken      $45
                      in-ground pools.  Add 2       window (large:
                      gallons of household bleach   36x60 in.)
                      (Clorox or Purex) or chlorine
                      to pool.  A cover must be     Replace picture    $100
                      installed to prevent access.  window
                      Pool cover must be
                      constructed with 6x6 wire     Reglaze windows     $10
                      mesh & 6 mil visqueen or      w/o pane
                      polyurethane over 2 by 6 at   replacement
                      16 O.C.  Cover must be
                      capable of supporting at      Replace exterior   $150
                      least 50 lbs.  Fence          door (solid core)
                      doors/gates must be
                      padlocked.  See page 30 of    Pool Care &      $1.25/
                      this attachment for diagram.  Covering (see       sq.
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
___________________________________________________________________________
Shreveport            Change the existing lock on   Lock change         $40
                      main entry door.
                                                    Padlock and hasp    $20
                      Swimming Pools - Do not drain
                      in-ground pools.  Add 2       Replace broken      $35
                      gallons of household bleach   window (small:
                      (Clorox or Purex) or chlorine 24x36 in.)
                      to pool.  A cover must be
                      installed to prevent access.  Replace broken      $40
                      Pool cover must be            window (med.:
                      constructed with 6x6 wire     30x42 in.)
                      mesh & 6 mil visqueen or
                      polyurethane over 2 by 6 at   Replace broken      $50
                      16 O.C. (may use 48-inch      window (large:
                      O.C., with the 2x6s running   36x60 in.)
                      the width of the cover
                      instead of the length).       Replace picture    $100
                      Cover must be capable of      window
                      supporting at least 50 lbs.
                      Fence doors/gates must be     Reglaze windows     $15
                      padlocked.  See page 30 of    w/o pane
                      this attachment for diagram.  replacement
 
                                                    Replace exterior   $150
                                                    door (solid core)
 
                                                    Pool Care &      $1.25/
                                                    Covering (see       sq.
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 17 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local                    Variation(s) From General
HUD                           Requirements             Service        Cost
Office(s)
___________________________________________________________________________
Texas State           Lock change not required      Weiser Lock         $40
 (Ft. Worth*)         unless mortgagee cannot       Crown Series
                      gain entry.  Should it        Stock No. CR 500
                      become necessary for the      R3 BLKO
                      mortgagee to gain access to
                      or to secure a property, the  Combination lock    $20
                      mortgagee is to change the    and hasp
                      front lock with the lock        (The lock should
                      described below.                be set to the prop.
                                                    address i.e.: if
                      Weiser Master Block Locks       the address is 2902
                      shall be provided in            Xavier, the
                      accordance with the             combination would
                      following specifications:       read left to right
                                                    2902; if the
                      a.)  Weiser Lock Crown          address is 202
                      Series, Stock No. CR 500 R3     Xavier, the
                      BLKO, Keyed entrance lock,      combination should
                      special pack.  (The lock        include a zero
                      shall be fixed with a plug      prior to the
                      insert so that a HUD master     street address
                      key will unlock each one.)      and read
                      Factory Pack only.              left to right,
                      b.)  Master keys which will     0203)
                      operate these locks with
                      the plug in place.            Replace broken      $30
                      Two regular keys shall        window (small:
                      be provided to be used        24x36 in.)
                      in the lockset stated
                      above, which will operate     Replace broken      $35
                      this lock upon removal of     window (med.:
                      the plug insert.  Weiser keys 30x42 in.)
                      must be attached to the
                      27011A form in the package    Replace broken      $45
                      included in the lock box.     window (large:
                      The tag number on package     36x60 in.)
                      must match the tag on the
                      property lock.                Replace picture    $100
                                                    window
                      Swimming Pools - Do not drain
                      in-ground pools.  Add 2       Reglaze windows     $10
                      gallons of household bleach   w/o pane
                      (Clorox or Purex) or chlorine replacement
                      to pool.  A cover must be
                      installed to prevent access.  Replace exterior   $150
                      Pool cover must be            door (solid core)
                      constructed with 6x6 wire
                      mesh & 6 mil visqueen or      Pool Care &      $1.25/
                      polyurethane over 2 by 6 at   Covering (see       sq.
                      16 O.C.  Cover must be        page 30 for        foot
                      capable of supporting at      specific
                      least 50 lbs.  Fence          instructions)
                      doors/gates must be
                      padlocked.  See page 30
                      of this attachment for
                      diagram.  For above ground
                      pools, submit one interior &
                      one exterior photo of the
                      pool to HUD with request to
                      secure.
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 18 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local HUD                 Variation(s) From
Office(s)                General Requirements          Service        Cost
___________________________________________________________________________
Tulsa                 Office does not require a     Kwikset Tylo-       $40
                      lock change.  Install lock    protecto Model
                      only if necessary to gain     No. 400T-US3,
                      access or to secure.          with Bright Brass
                                                    Finish Key Code
                      Replace broken glass doors    #76776
                      and windows with thermopane
                      glass.                        Padlock and hasp    $20
 
                      Swimming Pools - Do not       Replace broken      $90
                      drain in-ground pools.  Add   window (small:
                      2 gallons of household        24x36 in.)
                      bleach (Clorox or Purex) or
                      chlorine to pool.  A cover    Replace broken     $105
                      must be installed to prevent  window (med.:
                      access.  Pool cover must be   30x42 in.)
                      constructed with 6x6 wire
                      mesh & 6 mil visqueen or      Replace broken     $135
                      polyurethane over 2 by 6 at   window (large:
                      16 O.C.  Cover must be        36x60 in.)
                      capable of supporting at
                      least 50 lbs.  Fence          Replace picture    $300
                      doors/gates must be           window
                      padlocked.  See page 30
                      of this attachment for        Reglaze windows     $10
                      diagram.                      w/o pane
                                                    replacement
 
                                                    Replace exterior   $225
                                                    door (solid core)
 
                                                    Pool Care &      $2.50/
                                                    Covering (see       sq.
 
                                                    page 30 for        foot
                                                    specific
                                                    instructions)
 
                                                    Roof repair (if    $200
                                                    replacement is
                                                    not needed)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 19 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                              Great Plains Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Iowa State            Lock changes not required.    Primary lock        $40
Nebraska State        If a lock change is needed
                      to gain access or secure      Padlock and hasp    $20
                      the property, install a
                      keyed deadbolt or key
                      in knob.
___________________________________________________________________________
Kansas/Missouri State Lock changes not required.    Primary lock        $50
  (Kansas City*)      If a lock change is needed
St. Louis             to gain access or secure      Padlock and hasp    $20
                      the property, install a
                      keyed deadbolt or key
                      in knob.
===========================================================================
 
                         Rocky Mountain Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Colorado State        Locks should be changed on    Lock Change         $35
North Dakota State    all entry doors.              (per lock)
Utah State                                          Window Repair      $100
___________________________________________________________________________
Montana State         Locks should be changed on    Lock Change         $35
                      all entry doors, front and    (per lock)
                      back (master keyed locks are
                      acceptable).  One key if      Window Repair      $100
                      master or two keys for each
                      new lock installed must be
                      delivered to the local HUD
                      office or attached to the
                      copy of the HUD Form 27011,
                      Part A.
                      Patio doors can be secured
                      by means of a simple brace
                      between the sliding door and
                      the frame.  Garage doors may
                      be secured from the inside by
                      disabling the trip mechanism or
                      securing the rollers within the
                      track by means of wedges, or
                      wire rope the door to the jamb
                      if there is other access to the
                      structure.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 20 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Arizona State         One Time Securing Fee -       One Time Securing
  (Phoenix*)          This fee may only be charged  Fee:
                      once.  If resecuring or            Single Unit   $150
                      other work is ordered, it is       Duplex        $200
                      to be itemized per cost            Triplex       $250
                      limits.  If HUD approval for       Fourplex      $300
                      additional work is requested,
                      the mortgagee is to itemize   Replace entry       $35
                      all work performed and not    door lock w/
                      charge the one time securing  Kwikset or
                      fee.  The following work is   equivalent lock
                      to be performed when the one
                      time securing fee is charged: 4" Heavy Duty       $10
                                                    Barrel Bolt
                        1.  Replace front door
                            lock with new kwikset   Padlocks            $15
                            or equivalent lock.
                        2.  Secure all other        Sliding glass       $15
                            existing doors.  If     door lock
                            the doors cannot be
                            secured with existing   Pool Draining      $125
                            hardware, install a
                            4" heavy duty barrel    Pool & Spa         $150
                            bolt.                   Draining
                        3.  Double lock sliding     (same property)
                            glass doors.  Close
                            and lock all windows.   Spa Only            $50
                        4.  Remove any health and
                            safety hazards,         Lock Gates to       $20
                            personal property - up  Pool w/Padlock
                            to 4 cubic yards of     & Hasp
                            debris.  Take before
                            and after pictures.
                        5.  Turn off all utilities.
                            Contact utility
                            companies to
                            terminate service.
                            Prior approval is not
                            required to secure
                            swimming pools.
 
                      The costs for permits to
                      drain pools/spas by local
                      governments are included in
                      the maximum limit and will
                      be reimbursed based on the
                      actual cost incurred.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 21 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
California State      If exterior doors (other      Replace entry       $35
  (San Francisco*)    than front door) cannot be    door lock W/
                      secured with existing         Kwikset or
                      hardware, install barrel      equivalent lock
                      bolt.  Before and after
                      photos are required.          4" Heavy Duty       $10
                      Unless the window is to be    Barrel Bolt
                      boarded, broken glass in
                      windows which could permit    Padlocks            $15
                      entry is to be replaced &
                      reimbursed at actual cost.    Sliding glass       $15
                      Pools must be secured within  door lock
                      24 hours of discovery of the
                      pool.  The costs for permits  Pool Draining &    $125
                      to drain pools/spas by local  Securing
                      governments are included in
                      the maximum limit and will    Pool & Spa         $150
                      be reimbursed based on the    Draining (same
                      actual cost incurred.         property)
 
                                                    Spa Only            $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
___________________________________________________________________________
Fresno                If exterior doors (other      Replace entry       $35
                      than front door) cannot be    door lock w/
                      secured with existing         Kwikset or
                      hardware, install barrel      equivalent lock
                      bolt.  Before and after
                      photos are required.          4" Heavy Duty       $10
                                                    Barrel Bolt
                      Sliding glass door locks
                      should only be installed      Padlocks            $15
                      when the subject slider does
                      not have a functional lock.   Sliding glass       $15
                                                    door lock
                      The costs for permits to
                      drain pools/spas by local     Pool Draining      $125
                      governments are included in
                      the maximum limit and will    Pool & Spa         $150
                      be reimbursed based on the    Draining
                      actual cost incurred.         (same property)
 
                                                    Spa Only            $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
___________________________________________________________________________
Hawaii State          If exterior doors (other      Replace entry       $56
                      than front door) cannot be    door lock, change
                      secured with existing         combination on
                      hardware, install barrel      entry lockset &
                      bolt.  Before and after       single cylinder
                      photos are required.          deadbolts
                      Change combinations on
                      entry lockset and single/     Double Cylinder     $59
                      double cylinder deadbolts
                      w/ 2 keys.                    4" Heavy Duty       $10
                                                    Barrel Bolt
                      Pool/Spa Draining and
                      Securing - Call local HUD     Padlocks            $20
                      office for approval and cost
                      allowables.                   Sliding glass       $20
                                                    door lock
                      The costs for permits to      (costs include
                      drain pools/spas by local     service call)
                      governments are included in
                      the maximum limit and will
                      be reimbursed based on the
                      actual cost incurred.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 22 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Los Angeles           If doors (other than front    Replace entry       $50
                      door) cannot be secured       door lock
                      with existing hardware,
                      install barrel bolt.  Before  4" Heavy Duty       $10
                      and after photos are          Barrel Bolt
                      required.  Replace broken
                      glass with glassine or board  Padlocks            $15
                      even if wrought iron bars
                      exist.                        Chain               $10
 
                      The costs for permits to      Glassine Window      $8
                      drain pools/spas by local
                      governments are included in   Sliding glass       $15
                      the maximum limit and will    door lock
                      be reimbursed based on the
                      actual cost incurred.         Pool Draining      $125
 
                                                    Pool & Spa         $150
                                                    Draining
                                                    (same property)
 
                                                    Spa Only            $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
___________________________________________________________________________
Nevada State          If exterior doors (other      Replace entry       $35
  (Las Vegas*)        than front door) cannot       door lock w/Kwikset
Santa Ana             be secured with existing      or equivalent lock
                      hardware, install barrel
                      bolt.  Before and after       4" Heavy Duty       $10
                      photos are required.          Barrel Bolt
 
                      The costs for permits to      Padlocks            $15
                      drain pools/spas by local
                      governments are included      Sliding glass       $15
                      in the maximum limit and      door lock
                      will be reimbursed based
                      on the actual cost incurred.  Pool Draining      $125
 
                                                    Pool & Spa         $150
                      Draining
                      (same property)
 
                                                    Spa Only            $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
___________________________________________________________________________
Reno                  If doors (other than front    Replace entry       $35
                      door) cannot be secured with  door lock
                      existing hardware, install
                      padlock.  Before and after    Padlocks            $15
                      photos are required.
                                                    Sliding glass       $15
                      The costs for permits to      door lock
                      drain pools/spas by local
                      governments are included in   Pool Draining      $125
                      the maximum limit and will
                      be reimbursed based on the    Pool & Spa         $150
                      actual cost incurred.         Draining
                                                    (same property)
 
                                                    Spa Only            $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 23 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Sacramento            If doors (other than front    Replace entry       $35
                      door) cannot be secured       door lock with
                      with existing hardware,       new lock
                      install door lock knob.
                      Before and after photos       4" Heavy Duty       $10
                      are required.                 Barrel Bolt
 
                      Do not use slider lock.       Padlocks            $15
                      Do not use 2x4 for garage
                      doors.  Use a padlock.        Sliding glass       $15
                      The costs for permits to      door lock
                      drain pools/spas by local
                      governments are included
                      in the maximum limit and
                      will be reimbursed based
                      on the actual cost incurred.
___________________________________________________________________________
San Diego             If doors (other than front    Replace entry       $35
                      door) cannot be secured       door lock (use
                      with existing hardware,       Master lock #5,
                      install barrel bolt.  Before  key code A112)
                      and after photos are
                      required.  The costs for      4" Heavy Duty       $10
                      permits to drain pools/spas   Barrel Bolt
                      by local governments are
                      included in the maximum       Padlocks (use       $15
                      limit and will be reimbursed  Master lock)
                      based on the actual cost
                      incurred.                     Sliding glass       $15
                                                    door lock
___________________________________________________________________________
Tucson                If exterior doors (other      Replace entry       $35
                      than front door) cannot be    door lock
                      secured with existing
                      hardware, install barrel      4" Heavy Duty       $10
                      bolt.  Before and after       Barrel Bolt
                      photos are required.
                                                    Padlocks            $15
                      The costs for permits to
                      drain pools/spas by local     Sliding glass       $15
                      governments are included in   door lock
                      the maximum limit and will
                      be reimbursed based on the    Pool Draining*     $125
                      actual cost incurred.
                                                    Pool & Spa         $150
                                                    Draining
                                                    (same property)*
 
                                                    Spa Only*           $50
 
                                                    Lock Gates to       $20
                                                    Pool w/Padlock
                                                    & Hasp
 
                                                    (*) Not to exceed
                                                    $50 if redone
                                                    after heavy
                                                    rain.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 3
                                                              Page 24 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                         Northwest / Alaska Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Alaska State          Rekeying shall be allowed     Lock and secure     $75
Oregon State          for the purpose of securing   (first unit)
                      the property.  Install new
                      locks only if existing locks  Lock and secure  $37.50
                      are damaged.                  (additional
                                                    units)
 
                                                    Secure windows     $100
___________________________________________________________________________
Idaho State           Rekeying shall be allowed     Lock and secure     $75
                      for the purpose of securing   (first unit)
                      the property.  Install new
                      locks only if existing locks  Lock and secure  $37.50
                      are damaged.  Replace broken  (additional
                      glass.                        units)
 
                                                    Secure windows      $50
___________________________________________________________________________
Washington State      Rekeying shall be allowed     Lock and secure     $75
                      for the purpose of securing   (first unit)
                      the property.  Install new
                      locks only if existing locks  Lock and secure  $37.50
                      are damaged.                  (additional
                                                    units)
                      Garages and outbuildings
                      are to be secured by          Secure windows     $100
                      installing a hasp lock and
                      securing it with a key
                      operated padlock.
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 25 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                    BRACING INSTRUCTIONS FOR METAL DOORS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 26 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
                    BRACING INSTRUCTIONS FOR WOOD DOORS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
On the door jamb and door edge opposite hinges, install five inch squares
of sheet metal.  Sheet metal shall be 24 gauge and anchored to jamb with
two (2) 3/4 inch roofing nails.  The number of sheet metal squares shall be
in commensurate with the number of door hinges.
 
Close door and bend over onto face of interior surface of door and anchor
with two (2) 3/4 inch roofing nails.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 27 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
               SWIMMING POOL / JACUZZI SECURING INSTRUCTIONS
 
o    Make sure the existing fence is in good condition.  Replace any
     damaged or missing boards or sections.  Install padlock and chain
     (padlock and hasp if chaining is not possible) on all entrance gates.
 
o    FOR ALL IN-GROUND POOLS WHETHER SECURITY NEEDED OR NOT - Pump out pool
     leaving 4 feet of water in the deep end.  If necessary, use 5 gallons
     of chlorine before pumping out pool to treat the algae so it will not
     pollute the area when pumped.
 
     After pumping to 4 foot depth, use 2.5 gallons of chlorine to control
     the algae in the remaining pool water.
 
     DO NOT PUMP OUT WATER BELOW 4 FEET IN DEPTH AS A HIGH GROUND WATER
     LEVEL MAY CAUSE UPLIFT AND DAMAGE THE POOL.
 
     THE MORTGAGEE WILL BE HELD RESPONSIBLE FOR DAMAGE TO POOL CAUSED BY
     IMPROPER DRAINING.
 
o    Remove all trash from in and around pool and haul away.
 
o    All wood joists should be continuous.  If pool exceeds 14 feet in
     width, joists may be connected with a minimum of a 24 inch overlap.
 
o    Fasten welded wire mesh to wood frame with minimum of 1/2 inch
     staples.
 
o    Secure wood frame to deck, as needed, to prevent movement.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 28 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
     SWIMMING POOL SECURING INSTRUCTIONS FOR MID-ATLANTIC OFFICES
 
o    Replace any damaged or missing boards or sections of fence.
 
o    Remove all trash from interior of pool.
 
o    As necessary, build frame & cover pool with appropriate decking or
     wire mesh in accordance and in compliance with state & local codes.
 
o    Mortgagees do not need prior approval to secure pools.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 29 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
     SWIMMING POOL SECURING DIAGRAM FOR SOUTHEAST / CARIBBEAN OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 3
                                                              Page 30 of 30
 
               LOCK CHANGE / SECURING SERVICE REQUIREMENTS
                            AND COST SCHEDULE
 
          SWIMMING POOL SECURING DIAGRAM FOR SOUTHWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 1 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
     The cost of boarding properties is not to be included in the maximum
allowable limit per property.  Mortgagees shall not board a property unless
they have prior written approval from the local HUD office, or if the
property is located in one of the pre-approved boarding areas listed in
this attachment.  The property may also be pre-approved for boarding if the
property is severely fire damaged (see below).  If a property is boarded
without prior approval, HUD will not reimburse the mortgagee for any costs
associated with the boarding.  In addition, HUD will reduce the claim by
any amounts that must be expended to remove boards or repair damage caused
by unauthorized boarding.
 
     When a property is boarded with prior approval, there should be no
boarding above the first floor unless the opening is accessible.
Accessible means that:  1) entry is possible without the use of a ladder;
and 2) the opening is large enough for a person to easily pass through.
Openings above the first floor which do not meet both of these tests should
not be boarded unless otherwise specified in this attachment.  If security
bars are located on windows/doors, boarding is not required.
 
     Third story or higher openings are rarely accessible and therefore
shall not be boarded.  Second story openings are typically accessible only
from attached properties with connecting porch roofs.  In the absence of
such conditions, second story or higher openings shall not be boarded but
must be secured to prevent unauthorized entry and to protect against
weather damage.  Further, openings too small for a person to pass through,
regardless of location, should be secured but not boarded, unless otherwise
specified in this attachment.
 
     For the purpose of this document, the definition of united inch (u.i)
is length plus width.
 
     Specific boarding instructions and diagrams are provided on pages 19
through 26 of this attachment.  See the cost schedule for the appropriate
local HUD office to determine the requirements particular to the property
being secured.  If no requirements are provided in this document for the
property being boarded, use local codes.
 
Severely Fire Damaged and Possible Demolition Properties
 
     Properties which have suffered severe fire damage will need to be
secured for safety reasons and to prevent unauthorized entry.  All first
floor windows and doors and all basement windows and doors will have 3/8"
plywood covering the entire opening and frame.  Covering must be nailed or
screwed directly to the structure without 2 x 4 bracing.  Trash and debris
should not be removed from the interior of the property unless required by
local code.
 
     The additional costs of securing a severely fire damaged property are
not included in the boarding cost limit or the maximum limit per property.
However, mortgagees must request prior written approval from the local HUD
office if the cost of securing a severely fire damaged property will exceed
$450.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 2 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         New England Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Connecticut State     Boarding pre-approved for     Small window        $38
                      the cities                    (up to 5 ft.)
                      of:
                                                    Large window        $45
                                                    (over 5 sq. ft.)
                      Brideport
                      New Haven                     Front door          $60
                                                    Double door         $75
                                                    Sliding glass door  $90
                                                    Garage door         $98
                                                    Double garage door $130
___________________________________________________________________________
Massachusetts State   Boarding pre-approved for     Small window        $40
                      the following zip code        (<= 54 u.i.)
                      areas:                        Large window        $50
                                                    (> 54 u.i.)
                      Boston
                      02108,02109,02110,02118,      Front door          $70
                      02119,02120,02121,02122,      (<= 126 u.i.)
                      02124,02125,02126,02127,      Double door         $85
                      02128,02130,02131,02136       (> 126 u.i.)
                                                    Sliding glass door $100
                      Lawrence
                      01840,01841,01842,01843,      Garage door        $110
                      01845
 
                      Brocton                       Double garage      $145
                      02401,02402                   door
 
                      Lynn
                      01902,01903,01904,01905
___________________________________________________________________________
New Hampshire State                                 Small window        $38
                                                    (up to 5 ft.)
                                                    Large window        $45
                                                    (over 5 sq. ft.)
                                                    Front door          $60
                                                    Double door         $75
                                                    Sliding glass door  $90
                                                    Garage door         $98
                                                    Double garage door $130
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 3 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              New England Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Rhode Island State    Boarding pre-approved for:    Small window        $45
                                                    (up to 5 ft.)
                      Providence                    Large window        $55
                      Washington Park Section       (over 5 sq. ft.)
                      of Cranston                   Front door          $70
                                                    Double door         $85
                                                    Sliding glass door $100
                                                    Garage door        $110
                                                    Double garage door $145
===========================================================================
 
                    New York / New Jersey Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Albany                                              Openings up to      $35
                                                    5 sq. feet
                                                    Openings over       $55
                                                    5 sq. feet
                                                    Front door          $70
                                                    Double door        $100
                                                    Sliding Glass Door  $75
                                                    Garage Door         $95
                                                    Double Garage door $130
___________________________________________________________________________
Buffalo               Emergency board-up of         Openings up to      $35
                      unsecured opening (windows,   5 sq. feet
                      door) that are accessible
                      or that are open to the       Openings over       $55
                      elements are considered       5 sq. feet
                      violations of local code
                      and do not require prior      Front door          $70
                      written approval.
                                                    Double door        $100
                      Broken window panes are to
                      be replaced rather than       Sliding Glass Door  $75
                      boarded on properties that
                      are otherwise in good         Garage Door         $95
                      repair, except properties
                      where the mortgagee has       Double garage door $130
                      document evidence of
                      repeated vandalism.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 4 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         New York / New Jersey Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Camden                Boarding is required          Openings up to      $35
                      without prior approval in     5 sq. feet
                      the following zip code
                      areas:
                                                    Openings over       $55
                      08016 08102 08232 08608       5 sq. feet
                      08030 08103 08312 08609
                      08066 08104 08360 08611       Front door          $70
                      08096 08105 08401 08618
                      08101 08110 08600 08629       Double door        $100
 
                      Ventnor - 08406               Sliding Glass Door  $75
                      Vineland - 08360
                      Bridgeton - 08302             Garage Door         $95
                      Mellville - 08332
                      Pennsauken - 08110            Double garage door $130
                      Trenton - 08650 & 08610
___________________________________________________________________________
New Jersey State      Boarding is required in the   Openings up to      $35
  (Newark*)           followings areas:             5 sq. feet
 
                                                    Openings over       $55
                      Newark, Paterson, Jersey      5 sq. feet
                      City, East Orange,
                      Plainfield, and Irvington     Front door          $70
 
                                                    Double door        $100
 
                                                    Sliding Glass Door  $75
 
                                                    Garage Door         $95
 
                                                    Double Garage Door $130
___________________________________________________________________________
New York State        Board all areas in the        Openings up to      $35
  (New York City*)    New York jurisdiction         5 sq. feet
                      without prior approval
                      with the exception of         Openings over       $65
                      Putnam, Rockland, and         5 sq. feet
                      Dutchess Counties.
                                                    Front door         $155
 
                                                    Double door        $160
 
                                                    Sliding Glass Door $165
 
                                                    Garage Door        $195
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 5 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Mid-Atlantic Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
District of Columbia  Bolt boarding is the          Bolt or nail /      $25
Virginia State        preferable means to maximum   screw small window
West Virginia State   secure properties.  Use of    (4'x 2'6" opening)
                      nails or screws, including
                      basement windows, to secure   Bolt med. window    $40
                      boards is prohibited except   (4'x 4' opening)
                      when securing casement or
                      other fixed type windows.     Nail/screw med.     $35
                      Written justification must    window (4'x 4'
                      be supplied when a method     opening)
                      other than bolt boarding is
                      used.  1/2 inch plywood is    Bolt large window   $60
                      to be used with light holes   (4'x 8' opening)
                      cut in medium to large size
                      boards.  Boards are not to    Nail/screw large    $45
                      be pierced or overlap each    window (4'x 8'
                      other.  Use 2" sheet rock     opening)
                      screws every 6 inches.
                      Boards are to be cut to fit   Bolt front door     $60
                      within 3/4" of the opening.
                      Do not overlap wood or cover  Nail/screw front    $50
                      side bricks.                  door
 
                                                    Bolt double doors  $120
 
                                                    Nail/screw double  $100
                                                    doors
___________________________________________________________________________
Maryland State        Bolt boarding is the          Bolt or nail/       $25
                      preferable means to maximum   screw small window
                      secure properties.  Use of    (4'x 2'6" opening)
                      nails or screws, including
                      basement windows, to secure   Bolt medium         $40
                      boards is prohibited except   window (4'x 4'
                      when securing casement or     opening)
                      other fixed type windows.
                      Written justification must    Nail/screw med.     $35
                      be supplied when a method     window (4'x 4'
                      other than bolt boarding is   opening)
                      used.  1/2 inch plywood is
                      to be used with light holes   Bolt large window   $70
                      cut in medium to large size   (4'x 8' opening)
                      boards.  Boards are not to
                      be pierced or overlap each    Nail/screw large    $55
                      other.  Use 2" sheet rock     window (4'x 8'
                      screws every 6 inches.        opening)
                      Boards are to be cut to fit
                      within 3/4" of the opening.   Bolt front door     $70
                      Do not overlap wood or cover
                      side bricks.                  Nail/screw front    $55
                                                    door
 
                                                    Bolt double doors  $130
 
                                                    Nail/screw double  $110
                                                    doors
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 6 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Mid-Atlantic Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Pennsylvania State    Bolt boarding is the          Bolt or nail/       $25
  (Philadelphia*)     preferable means to maximum   screw small window
                      secure properties.  Use of    (4'x 2'6" opening)
                      nails or screws, including
                      basement windows, to secure   Bolt medium         $40
                      boards is prohibited except   window (4'x 4'
                      when securing casement or     opening)
                      other fixed type windows.
                      Written justification must    Nail/screw med.     $35
                      be supplied when a method     window (4'x 4'
                      other than bolt boarding is   opening)
                      used.  1/2 inch plywood is
                      to be used with light holes   Bolt large window   $60
                      cut in medium to large size   (4'x 8' opening)
                      boards.  Boards are not to
                      be pierced or overlap each    Nail/screw large    $45
                      other.  Use 2" sheet rock     window (4'x 8'
                      screws every 6 inches.        opening)
                      Boards are to be cut to fit
                      within 3/4" of the opening.   Bolt front door     $60
                      Do not overlap wood or cover  Nail/screw front    $50
                      side bricks.                  door
 
                      Boarding is pre-approved in   Bolt double doors  $120
                      the following zip code areas,
                      however, mortgagees must      Nail/screw double  $100
                      exercise judgement before     doors
                      boarding properties.  Only
                      board if property is in a
                      high vandalism area and
                      boarding is the only
                      reasonable means to protect
                      the security of the property.
 
                      17509 17560 19104 19139 19153
                      17512 17563 19120 19140 19320
                      17516 17565 19121 19141 19335
                      17517 18101 19122 19142 19380
                      17518 18102 19124 19143 19401
                      17527 18103 19126 19145 19464
                      17532 18115 19131 19146
                      17536 18117 19132 19147
                      17547 19013 19133 19148
                      17550 19023 19138 19151
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 4
                                                              Page 7 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Mid-Atlantic Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Pittsburgh            Bolt boarding is the          Bolt / nail /     $.40/
                      preferable means to maximum   screw windows or   u.i.
                      secure properties.  Use of    doors
                      nails or screws, including
                      basement windows, to secure   (Note: United Inch
                      hoards is prohibited except   (u.i) is defined as
                      when securing casement or     length plus width.)
                      other fixed type windows.
                      Written justification must
                      be supplied when a method
                      other than bolt boarding is
                      used.  1/2 inch plywood is
                      to be used with light holes
                      cut in medium to large size
                      boards.  Boards are not to
                      be pierced or overlap each
                      other.  Use 2" sheet rock
                      screws every 6 inches.
                      Boards are to be cut to fit
                      within 3/4" of the opening.
                      Do not overlap wood or cover
                      side bricks.
===========================================================================
 
                    Southeast / Caribbean Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Alabama State         Only one trip charge may be   Boarding (1/2     $.50/
                      made regardless of the        inch plywood)      u.i.
                      number of windows.
                                                    Boarding (5/8     $.54/
                      Exterior surface and edges    inch plywood)      u.i.
                      of all plywood must be
                      painted with one coat white   Boarding (3/4     $.58/
                      primer and one coat white     inch plywood)      u.i.
                      finish.  Face nailing of
                      panels to wood frame windows  Trip charge         $10
                      is prohibited.
                                                    (Note: United
                                                    Inch (u.i.) is
                                                    defined as length
                                                    plus width).
___________________________________________________________________________
Caribbean             Exterior surface and edges    Boarding (1/2     $.42/
Georgia State         of all plywood must be        inch plywood)      u.i.
Jacksonville          painted with one coat white
Kentucky State        primer and one coat white     Boarding (5/8     $.44/
Knoxville             finish.  Face nailing of      inch plywood)      u.i.
Memphis               panels to wood frame
Mississippi State     windows is prohibited.        Boarding (3/4     $.46/
North Carolina State                                inch plywood)      u.i.
Orlando
South Carolina State                                (Note: United
Tennessee State                                     Inch (u.i.) is
  (Nashville*)                                      defined as length
                                                    plus width.)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 8 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Southeast / Caribbean Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Coral Gables          Boarding is pre-approved in   Boarding (1/2     $.42/
Tampa                 the following zip code        inch plywood)      u.i.
                      areas:
                                                    Boarding (5/8     $.44/
                      Coral Gables: 33004,33009,    inch plywood)      u.i.
                      33010,33012,33013,33014,
                      33020,33023,33034,33054,      Boarding (3/4     $.46/
                      33055,33056,33060,33069,      inch plywood)      u.i.
                      33122,33125,33127,33128,
                      33130,33131,33132,33136,      (Note: United Inch
                      33137,33138,33142,33147,      (u.i.) is defined
                      33150,33157,33161,33167,      as length plus width.)
                      33168,33169,33170,33177,
                      33181,33190,33311,33315,
                      33316,33401,33403,33404,
                      33405,33407,33426
                      (east of I-95),33435,
                      33441,33444,33460,
                      and 33462 (east of I-95).
 
                      Tampa:  33603,33604,33605,
                      33610,33705,33707,33711,
                      and 33712.
 
                      Exterior surface and edges
                      of all plywood must be
                      painted with one coat white
                      primer and one coat white
                      finish.  Face nailing of
                      panels to wood frame windows
                      is prohibited.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 9 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Midwest Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Cincinnati            Unless extenuating site       Bolt board        $.30/
Indiana State         conditions or neighborhoods   windows            u.i.
Ohio State            justify installation of
  (Columbus*)         plywood boarding, securing    Nail board        $.25/
                      contractor shall confine      windows            u.i.
                      installation to wire
                      meshing windows.  See pages   Screening         $.25/
                      19 and 20 of this                                u.i.
                      attachment for specific
                      instructions and diagrams.    (Note:  United Inch
                                                    (u.i.) is defined as
                                                    length plus width.)
___________________________________________________________________________
Cleveland             Cloth screening is allowed,   Screening         $.25/
                      where needed, without prior                      u.i.
 
                      approval in all urban areas.
                      See page 20 of this           (Note: United Inch
                      attachment for specific       (u.i.) is defined as
                      instructions and diagram.     length plus width.)
___________________________________________________________________________
Flint                 Do not screen.  Do not        Nail board        $.25/
                      replace broken glass.         windows            u.i.
                      Cover all broken glass
                      areas by nail boarding        (Note: United Inch
                      openings.  First floor        (u.i.) is defined as
                      openings are the only         length plus width.)
                      areas to be considered for
                      boarding.  Any additional
                      boarding must be approved
                      by the Flint office.
___________________________________________________________________________
Grand Rapids          Do not replace broken glass.  Cover opening    $5 per
                      Cover all openings exposed    W/ Visqueen     opening
                      to the elements with
                      visqueen.  See page 20 of
                      this attachment for specific
                      instructions and diagram.
___________________________________________________________________________
Illinois State        Cloth screening - cloth       Screening         $.36/
                      screen first floor openings                      u.i.
                      in zip codes 60608,
                      60609,60610,60612,60615,      (Note: United Inch
                      60616,60617,60619,60620,      (u.i.)is defined as
                      60085,60621,60622,60623,      length plus width.)
                      60624,60627,60628,60636,
                      60637,60643,60429,60644,
                      60649,60651,60653,60426,
                      60411,60466,60477,60443.
 
                      Screening of wood windows is
                      accomplished by framing the
                      window with 2x2's.  The
                      screening is stapled over
                      the frame and fastened with
                      1x2 furring laths.  See page
                      20 of this attachment for
                      specific instructions and
                      diagram.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 10 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Midwest Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Michigan State        In all areas, do not          Nail board        $.25/
  (Detroit*)          replace broken glass; nail    windows            u.i.
                      board openings where
                      glass is broken with prior
                      approval.                     (Note: United Inch
                                                    (u.i.) is defined as
                                                    length plus width.
___________________________________________________________________________
Minnesota State       See pages 19 and 20 of this   Bolt board windows  $25
                      attachment for specific                           per
                      instructions and diagrams.                    opening
 
                                                    Nail board windows  $20
                                                                        per
                                                                    opening
 
                                                    Bolt / nail small  $10/
                                                    window             pane
___________________________________________________________________________
Wisconsin State       Screening is the required     Screening         $.25/
                      method of securing property,  windows            u.i.
                      however, boarding is
                      permitted if windows are      Bolt boarding     $.30/
                      broken.  Follow the general   windows            u.i.
                      procedures on page 20 of
                      this attachment, but also     Nail boarding      $20/
                      include the use of 2 x 4's    windows         opening
                      around the perimeter of each
                      window opening (between the   (Note:  United Inch
                      window and the screen         (u.i.) is defined as
                      material).  Bolt boarding     length plus width.)
                      is permitted if there is no
                      wood trim.  Second and third
                      floor openings may be
                      boarded if broken to protect
                      the property from outside
                      elements.  Secure boards to
                      exterior of property.
                      Screening areas are
                      Milwaukee-Area bounded by
                      Capitol Drive on the north,
                      Humbolt Avenue on the east,
                      Interstate I-94 on the
                      south, and Sherman Blvd, on
                      the west.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 11 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Southwest Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Arkansas State        Use 3/8 inch or greater       Small windows       $20
Lubbock               by 9-inch or 10-inch          (24 x 36 in.)
Houston               carriage bolt mated with
Louisiana State       nut and 2 1-inch flat         Medium windows      $25
  (New Orleans*)      washers.  Drill holes in      (30 x 42 in.)
Oklahoma State        2 by 4 stock and plywood
  (Oklahoma City*)    to be 3/8 inch in             Large windows       $30
San Antonio           diameter.  Washer openings    (36 x 60 in.)
Texas State           to be of sufficient size
  (Ft. Worth*)        to fully accept square        Security Door       $30
                      portion of bolt beneath
                      head.  Bolt and mated         Front Door          $35
                      hardware may be galvanized
                      or cad plated.  Bolts must    Garage Door         $80
                      be tightened to maximum
                      extent without disturbing     Sliding Glass Door  $50
                      wood materials.  See
                      diagrams on pages 21          Double Door         $70
                      through 23 for further
                      instruction.                  Attic opening       $15
                                                    (Scuttle hole)
                      1:  Size and location of
                      openings must be specified
                      on the request to HUD for
                      approval to board.
                      2:  All fabricated boards
                      will be plainly marked on
                      the inside surface with the
                      exterior dimensions to the
                      nearest 1/8 inch to
                      facilitate interchangability.
                      3:  All fabricated boards
                      will be painted with one
                      coat of primer on exterior
                      surface and edges.
                      4:  A 3-inch minimum opening
                      should be left at the tops
                      of boarded windows for light.
                      5:  To ensure no hazards
                      exists, remove all broken
                      glass from the windows, as
                      well as the interior and
                      exterior surrounding areas.
                      6:  Use the 1/2 inch or
                      3/4 inch plywood where
                      plywood is required.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 12 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
New Mexico State      Use 3/8 inch or greater by    Small windows       $25
                      9-inch or 10-inch carriage    (24 x 36 in.)
                      bolt mated with nut and 2
                      1-inch flat washers.  Drill   Medium windows      $30
                      holes in 2 by 4 stock and     (30 x 42 in.)
                      plywood to be 3/8 inch in
                      diameter.  Washer openings    Large windows       $35
                      to be of sufficient size to   (36 x 60 in.)
                      fully accept square portion
                      of bolt beneath head.  Bolt   Security Door       $35
                      and mated hardware may be
                      galvanized or cad plated.     Front Door          $40
                      Bolts must be tightened to
                      maximum extent without        Garage Door         $90
                      disturbing wood materials.
                      See diagrams on pages 21      Sliding Glass Door  $60
                      through 23 for further
                      instruction.                  Double Door         $80
 
                      1:  Size and location of      Attic opening       $15
                      openings must be specified    (Scuttle hole)
                      on the request to HUD for
                      approval to board.
                      2:  All fabricated boards
                      will be plainly marked on
                      the inside surface with the
                      exterior dimensions to the
                      nearest 1/8 inch to
                      facilitate interchangability.
                      3:  All fabricated boards
                      will be painted with one coat
                      of primer on exterior surface
                      and edges.
                      4:  A 3-inch minimum opening
                      should be left at the tops of
                      boarded windows for light.
                      5:  To ensure no hazards
                      exists, remove all broken
                      glass from the windows, as
                      well as the interior and
                      exterior surrounding areas.
                      6:  Use the 1/2 inch or 3/4
                      inch plywood where plywood
                      is required.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 13 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Shreveport            See page 24 of this           Small windows       $25
                      attachment for specific       (24 x 36 in.)
                      boarding instructions and
                      diagram.
 
                                                    Medium windows      $30
                                                    (30 x 42 in.)
 
                                                    Large windows       $35
                                                    (36 x 60 in.)
 
                                                    Security Door       $35
 
                                                    Front Door          $40
 
                                                    Garage Door         $90
 
                                                    Sliding Glass Door  $60
 
                                                    Double Door         $80
 
                                                    Attic opening       $15
                                                    (Scuttle hole)
___________________________________________________________________________
Tulsa                 Use 3/8 inch or greater by    Small windows       $40
                      9-inch or 10-inch carriage    (24 x 36 in.)
                      bolt mated with nut and 2
                      1-inch flat washers.  Drill   Medium windows      $50
                      holes in 2 by 4 stock and     (30 x 42 in.)
                      plywood to be 3/8 inch in
                      diameter.  Washer openings    Large windows       $60
                      to be of sufficient size      (36 x 60 in.)
                      to fully accept square
                      portion of bolt beneath head. Security Door       $60
                      Bolt and mated hardware
                      may be galvanized or cad      Front Door          $70
                      plated.  Bolts must be
                      tightened to maximum extent   Garage Door        $160
                      without disturbing wood
                      materials.  See diagrams on   Sliding Glass Door $100
                      pages 21 through 23 for
                      further instruction.          Double Door        $140
 
                      1:  Size and location of      Attic opening       $30
                      openings must be specified    (Scuttle hole)
                      on the request to HUD for
                      approval to board.
                      2:  All fabricated boards
                      will be plainly marked on
                      the inside surface with the
                      exterior dimensions to
                      the nearest 1/8 inch to
                      facilitate interchangability.
                      3:  All fabricated boards
                      will be painted with one
                      coat of primer on exterior
                      surface and edges.
                      4:  A 3-inch minimum opening
                      should be left at the
                      tops of boarded windows for
                      light.
                      5:  To ensure no hazards
                      exists, remove all broken
                      glass from the windows, as
                      well as the interior and
                      exterior surrounding areas.
                      6:  Use the 1/2 inch or
                      3/4 inch plywood where
                      plywood is required.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 14 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Great Plains Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Iowa State            1/2 inch plywood, cut to      Small windows     $.30/
                      fit opening, painted on       (basements)        u.i.
                      exterior side, nail/bolt
                      boarding per opening.         Medium windows    $.30/
                                                    u.i.
                      When there is no primary
                      entry door, install security  Large windows     $.35/
                      door.  Construct door for     (picture)          u.i.
                      main entrance (5/8 plywood)
                      with hasp/padlock and hinge.  Casement window   $.30/
                      Paint exterior side.          - single           u.i.
 
                                                    Front door        $.22/
                                                                       u.i.
 
                                                    Double door       $.22/
                                                                       u.i.
 
                                                    Sliding glass     $.22/
                                                    door               u.i.
 
                                                    Garage door       $.15/
                                                                       u.i.
 
                                                    Security door     $.22/
                                                                       u.i.
 
                                                    Block 1 door       $10/
                                                    w/2x4           opening
 
                                                    (Note: United Inch
                                                    (u.i.) is defined as
                                                    length plus width.)
___________________________________________________________________________
Kansas/Missouri State 1/2 inch plywood, cut to fit  Small windows       $15
  (Kansas City*)      opening, painted on exterior  (basements)
                      side, nail / bolt boarding
                      per opening.                  Medium windows      $25
 
                      When there is no primary      Large windows       $35
                      entry door, install security  (picture)
                      door.  Construct door for
                      main entrance (5/8 plywood)   Casement window     $15
                      with hasp/padlock and         - single
                      hinge.  Paint exterior side.
                                                    Front door          $25
 
                                                    Double door         $50
 
                                                    Sliding glass door  $50
 
                                                    Garage door         $50
 
                                                    Security door       $50
 
                                                    Block 1 door        $10
                                                    w/2x4
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 15 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Great Plains Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Nebraska State        1/2 inch plywood, cut to fit  Small windows       $15
St. Louis             opening, painted on exterior  (basements)
                      side, nail / bolt boarding
                      per opening.                  Medium windows      $25
 
                      When there is no primary      Large windows       $35
                      entry door, install security  (picture)
                      door.  Construct door
                      for main entrance (5/8        Casement window     $25
                      plywood) with hasp/padlock    - single
                      and hinge.  Paint exterior
                      side.                         Front door          $25
 
                                                    Double door         $50
 
                                                    Sliding glass door  $50
 
                                                    Garage door         $50
 
                                                    Security door       $60
 
                                                    Block 1 door w/2x4  $10
 
===========================================================================
 
                              Rocky Mountain Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Colorado State        If a swamp cooler is          Boarding     $2/sq. ft.
                      removed, board the opening
                      without authorization from
                      HUD to prevent interior
                      damage.
 
                      Emergency boarding and
                      securing should be telephoned
                      into the Colorado State
                      Office and a verbal response
                      will be given immediately.
                      Mortgagees must follow up
                      with a written request
                      confirming the verbal
                      authorization via fax.
___________________________________________________________________________
Montana State         If a swamp cooler is          Boarding     $2/sq. ft.
North Dakota State    removed, board the opening
Utah State            without authorization from
                      HUD to prevent interior
                      damage.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 16 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
 
===========================================================================
                         Variation(s) From
Local HUD Office(s)     General Requirements           Service        Cost
___________________________________________________________________________
Arizona State         Boarding is pre-approved in   Small windows       $35
  (Phoenix*)          the following areas:          (less than 8 sq. ft)
 
                      All properties located on     Medium windows      $50
                      Indian Reservations and an    (8-16 sq. ft)
                      area located in South
                      Phoenix "Beginning at the     Large windows       $65
                      intersection of 51st Avenue   (16-32 sq. ft)
                      and Washington Street,
                      thence Southerly along 51st   Slider              $80
                      Avenue to Ray Road, thence    (over 32 sq. ft)
                      Easterly to the boundary
                      line of South Mountain Park,  Security door      $130
                      thence along the Northern     w/padlock
                      boundary line of South        (Where there is
                      Mountain Park to 40th Street, no primary door,
                      thence Northerly along 40th   install security
                      Street to Washington Street,  door.)
                      thence Westerly to the point
                      of beginning.
 
                      See pages 25 and 26 of this
                      attachment for specific
                      boarding instructions and
                      diagram.
___________________________________________________________________________
California State      See page 25 and 26 of this    Small window        $35
  (San Francisco*)    attachment for specific       (less than 8 sq. ft)
                      boarding instructions and
                      diagram.                      Medium windows      $50
                                                    (8-16 sq. feet)
                      If window frames are badly
                      damaged or missing, the       Large windows       $65
                      window(s) are to be boarded   (16-32 sq. feet)
                      without prior approval.
                      Unusual openings such as a    Slider              $85
                      doggy-door, or where a wall   (over 32 sq. feet)
                      air-conditioner or cooler
                      was once installed, must be   Security door      $130
                      secured, usually by boarding. W/padlock
                      Prior approval is not         (Where there is
                      required to board these.      no primary door,
                      A before and after picture    install security
                      is required.                  door.)
 
                      Contact the local HUD office
                      for boarding instructions
                      when conveying properties
                      in the following cities:
                      Pittsburg, San Pablo,
                      Oakland, Richmond, and
                      Vallejo.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 17 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Fresno                See pages 25 and 26 of        Small windows       $40
                      this attachment for           (less than 8 sq. ft)
                      specific boarding
                      instructions and diagram.     Medium windows      $55
                                                    (8-16 sq. feet)
 
                                                    Large windows       $75
                                                    (16-32 sq. feet)
 
                                                    Slider              $90
                                                    (over 32 sq. feet)
 
                                                    Security door      $130
                                                    w/padlock
                                                    (Where there is
                                                    no primary door,
                                                    install security
                                                    door.)
___________________________________________________________________________
Hawaii State          See pages 25 and 26 of        Small window        $35
Nevada State          this attachment for           (less than 8 sq. ft)
  (Las Vegas*)        specific boarding
Reno                  instructions and diagram.     Medium windows      $50
Santa Ana                                           (8-16 sq. feet)
Tucson
                                                    Large windows       $65
                                                    (16-32 sq. feet)
                                                    Slider              $80
                                                    (over 32 sq. feet)
 
                                                    Security door      $130
                                                    W/padlock
                                                    (Where there is
                                                    no primary door,
                                                    install security
                                                    door.)
___________________________________________________________________________
Los Angeles           All properties in the         Small window        $35
                      jurisdiction of the Los       (less than 8 sq. ft)
                      Angeles Office located in
                      the following areas only,     Medium windows      $50
                      must be secured with window   (8-16 sq. feet)
                      screens (not boarded) and
                      security doors.  Screening    Large windows       $65
                      cost is the same as boarding. (16-32 sq. feet)
 
                      Inglewood      Los Angeles    Slider              $80
                      Pasadena       San Fernando   (over 32 sq. feet)
                      Compton        Azusa
                      Pico Rivera    Lynwood        Security door      $130
                      La Puenta      Carson         w/padlock
                      Hawaiian       Huntington     (Where there is
                        Gardens        Park         no primary door,
                      Paramount      La Verne       install security
                      Harbor City    Artesia        door.)
                      Bell Flower    Downey
                                                    Back or side door   $80
                      Pacoima        Pamona
                      Long Beach     W. Covina
                      Wilmington     Duarte
                      San Dimas      Whitter
                      Hacienda
                        Heights
 
                      Call the Chief Property
                      Officer for a copy of the
                      screening specification if
                      needed.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 18 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                 (continued)
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Sacramento            Boarding is pre-approved in   Small windows       $50
                      the following areas:          (less than 8 sq. ft)
 
                      Hayfork 96041,                Medium windows      $65
                      Olivehurst 95961,             (8-16 sq. ft)
                      Broderick 95065,
                      Anderson 96007,               Large windows       $80
                      Maryville 95901,              (16-32 sq. ft)
                      Rio Lind 95673 & 95676,
                      Del Paso 95838,               Slider              $95
                      Oak Park 95817,               (over 32 sq. ft)
                      Florin Rd. 95823
                                                    Security door      $130
                      Board all broken windows in   w/padlock
                      any area; also, board broken  (Where there is
                      windows when receive a        no primary door,
                      police report.                install security
                                                    door.)
                      See pages 25 and 26 of this
                      attachment for specific
                      boarding instructions and
                      diagram.
 
___________________________________________________________________________
San Diego             Boarding is pre-approved in   Small windows       $35
                      the following areas:          (less than 8 sq. ft)
                      1.  The area in the city of
                      San Diego between Highway     Medium windows      $50
                      94 and National City and      (8-16 sq. feet)
                      Paradise Valley Road.
                      2.  The area in the city of   Large windows       $65
                      San Diego south of University (16-32 sq. feet)
                      and between 34th Street &
                      Euclid.                       Slider              $80
                      3.  The area in the county    (over 32 sq. feet)
                      of San Diego south of
                      Highway 94 and north of       Security door      $130
                      Paradise Valley Road and      w/padlock
                      Highway 54.                   (Where there is
                      4.  When in doubt, please     no primary door,
                      call the San Diego HUD        install security
                      Office.                       door.)
 
                      See pages 25 and 26 of this
                      attachment for specific
                      boarding instructions and
                      diagram.
 
===========================================================================
 
                         Northwest / Alaska Offices
 
===========================================================================
Local HUD              Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Alaska State          No pre-approved boarding
Idaho State           areas.  Prior Written
Oregon State          approval required.
Washington State
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 19 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
               PLYWOOD BOARDING INSTRUCTIONS FOR MIDWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
This illustration graphically identifies the method of installing plywood
in window openings.  Unless extenuating site conditions or neighborhoods
justify this type of installation, securing contractor shall confine
installation to wire meshing windows.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 20 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                  SCREENING INSTRUCTIONS FOR MIDWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 21 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                 SECURING INSTRUCTIONS FOR SOUTHWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 22 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                 SECURING INSTRUCTIONS FOR SOUTHWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 23 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                 SECURING INSTRUCTIONS FOR SOUTHWEST OFFICES
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 24 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
                    Shreveport Office Boarding Variation
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 25 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
             BOARDING INSTRUCTIONS FOR PACIFIC / HAWAII OFFICES
 
                       Maximum Security Specifications
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
          All windows and doors shall be secured.  All openings except the
front door shall be secured per the above drawing, or similar, as
conditions permit with one piece of plywood only, unless the opening
requires larger than a 4' X 8' sheet.  All plywood shall be 5/8" except the
Security Door which shall be 3/4".  Remove all removable glazed sections
where glass is intact and place inside the house.  Openings 30" high or
less may be secured with only one 2 X 4 and two bolts.  All bolts securing
the 2 X 4's must be tightened carefully to be snug, but not crush the
interior finishes.  The purpose of the double nuts is to tighten them
against one another as tight as possible.  If the dwelling has decorative
item adjacent to the opening, such as surface applied shutters, etc., that
are easily removed, carefully remove them and place inside the house.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 4
                                                              Page 26 of 26
 
               BOARDING SERVICE REQUIREMENTS AND COST SCHEDULE
 
             BOARDING INSTRUCTIONS FOR PACIFIC / HAWAII OFFICES
                              (CONTINUED)
 
Front door detail
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
          Set plywood flush with brick mould on hinge side.
          Lap plywood over brick mould on lock side.
          Fit edges as close as practical.
          The Security Door which shall be 3/4" plywood.
          Hinges shall be 6" Extra Heavy Tee.
          The locking device shall be an 8" X 12" flat tee strap with
     a five pin, 318 inch hardened steel shackle padlock (padlock not
     included in price of door).
 
          The front door shall be secured as per the "front door detail"
for either masonry or frame exterior walls.  The tee portion of the hinge
shall be fastened with 1 1/2 screws to the jamb.  Pilot holes must be
drilled so as to not split the jamb.  The tee strap shall be nailed through
the door stop and jamb with 6d box nails.  Cut a slot in the plywood just
large enough for the strap leg and reinforce both outer edges of the Blot
with flat straps (minimum 1" x 8") fastened with carriage bolts.  If the
door jamb is loose and has applied stop, remove the stop and renail the
jamb with 16d cut or box nails as appropriate, located so that the new stop
will cover the nails.
 
          Attic access panels in the carport ceilings shall be secured by
nailing a piece of plywood into the joists only, with a minimum of four 16d
box or common nails (maximum charge $15.00).  "Carport" type storage rooms
which are not part of the main house shall be secured by nailing one piece
of plywood to the jamb, over the door (maximum charge $30.00).
 
          Exact boarding specifications may vary among the local offices.
Specifications can be obtained from the Chief Property Officers.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 1 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
     HUD will not reimburse amounts in excess of the amount listed below
for interior and exterior cleaning and debris removal without prior written
approval from the local HUD office.  A mortgagee may expend up to this
amount without local HUD office approval if the services are within the
cost limits established below.  This cost schedule also identifies those
local HUD offices that do not require lenders to remove debris.  For those
offices, however, the mortgagee is still responsible for completing
evictions including removal of all personal property.
 
     Broom sweeping and dump fees are part of the maximum allowable cost
limit for debris removal and are not considered separate services or
claimable expenses.  Abandoned vehicle removal is not included in the
debris removal cost limit and must be performed in accordance with local
laws.
 
     No amount over the cubic yard or overall cost limit which does not
have prior written approval from the local HUD office is to be claimed for
reimbursement.  When requesting approval to exceed the debris removal cost
limit, the mortgagee must obtain two independent competitive bids.  If the
mortgagee utilizes a field service company, the field service company, upon
finding that debris removal limits will be exceeded, must develop its bid
and immediately forward the bid to the mortgagee.  A second independent and
competitive bid should be obtained by the mortgagee.  In the event the
field service company identifies another contractor for the mortgagee who
wishes to submit a bid, such bid should be forwarded by the contractor
directly to the mortgagee.  However, HUD will allow the field service
company to obtain the bid and forward it to the mortgagee.  Under no
circumstances may the mortgagee allow field service companies or
contractors to process and submit bids directly to the local HUD office.
This violates the integrity of the two bid process and is prohibited.
 
     The bids must specify the types and location of the debris and the
number of cubic yards.  Any additional costs of non-general refuse should
be factored into the final bid and clearly indicated for local HUD office
review.  All bids should be on the bidder's company letterhead and must
include the bidders name, address, telephone number and the bidder's
signature.  Upon receipt of the bids, the mortgagee must date stamp them
and attach them to a Request to Exceed Cost Limits for P & P (see
Attachment 9) which is to identify all other protection and preservation
expenses to date so that the local HUD office will know if and by how much
the mortgagee will exceed the maximum allowable cost limit.  Any debris
removed per local code is also subject to the established cost limits on
debris removal.
 
     Bids are required for debris removal only to exceed the allowable cost
limit.  There may be instances where because of the remote location of the
property or for some other reason, the mortgagee may have difficulty in
obtaining the required number of bids.  Therefore, mortgagees may appeal to
the local HUD office in those cases where they encounter difficulties in
obtaining estimates.  For such cases, the local HUD office may accept less
than the required number of bids before issuing approval to exceed the
limit.  All such exceptions shall be provided to the lender in writing.
Mortgagees will not be reimbursed for the cost of obtaining bids.  Upon
receipt of the required bids from the mortgagee, the local HUD office will
do one of the following:
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 2 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
     -    Notify the mortgagee to accept one of the bids submitted;
 
     -    Accept neither bid but secure a bid from a HUD source and notify
          the mortgagee of the approved cost and vendor.  The mortgagee may
          then either (1) remove the debris via its own source for the
          approved cost or (2) contract directly with HUD's source for the
          approved bid amount; or
 
     -    Notify the mortgagee to convey the property without removing the
          debris.
 
Clean Out of the Interior of the Property (Includes Attic, Basement, and
Crawl Spaces)
 
     Clean-outs of the interior of the property must include the removal
and proper disposal of debris, trash, personal effects such as furniture,
clothing, dishes and utensils, shabby and torn carpet, cracked and torn
linoleum and dead animals unless otherwise instructed by local law
enforcement during an eviction.  Each interior room must be broom cleaned
at the time of conveyance.  This standard will also apply to garages
(attached or detached), sheds, barns, utility rooms, and other structures
located on the property.
 
     All free-standing appliances such as refrigerators, air conditioners,
washers and dryers, etc., and all light fixtures, ceiling fans, mantels,
wall mirrors, and fireplace gas logs are to be left in the property.  All
appliances are to be documented that they are present on the property so
that future inspections will show if any of the free-standing appliances
are missing.  Documentation must be maintained in the mortgagee's review
file if appliances are discovered missing on future inspections.
Refrigerators and stoves must be cleaned of all organic materials and other
debris.
 
Hazardous Waste Removal
 
     Most residential properties will have very limited hazardous waste.
Questions regarding hazardous waste removal procedures should be directed
to local health or environmental departments for guidance on removal.
While checking with the health or environmental source, be sure to seek
information relating to approved sources and locations for disposal.  In
some cases, access to approved registered hazardous waste haulers with
approved storage facilities will be less expensive than having to pay an
excessive cost to deliver one to an authorized disposal site.
 
Bug and/or Pest Infestation
 
     If, on the initial inspection, the mortgagee finds the property to be
severely infested with roaches, water bugs, mice, rats, etc., to the extent
that clean-out and debris removal can not be effectively completed, the
mortgagee should have the property properly fumigated by a Pest Control
Service licensed to conduct such business in the area where the property is
located.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 3 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         New England Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Connecticut State                                   $45 per cubic yard
                                                    $900    1 unit maximum
                                                    $1,000  2 unit maximum
                                                    $1,100  3 unit maximum
                                                    $1,200  4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
 
                                                    $25/floor for insect
                                                    treatment
___________________________________________________________________________
Massachusetts State                                 $35 per cubic yard
                                                    $750    1 unit maximum
                                                    $1,000  2 unit maximum
                                                    $1,200  3 unit maximum
                                                    $1,400  4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
 
                                                    $45/floor for insect
                                                    treatment
___________________________________________________________________________
New Hampshire State                                 $35 per cubic yard
Rhode Island State                                  $750    1 unit maximum
                                                    $800    2 unit maximum
                                                    $850    3 unit maximum
                                                    $900    4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
 
                                                    $25/floor for insect
                                                    treatment
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 4 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         New York / New Jersey Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Albany                                              $52 per cubic yard
New Jersey State                                    $500    1 unit maximum
  (Newark*)                                         $650    2 unit maximum
                                                    $800    3 unit maximum
                                                    $900    4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
___________________________________________________________________________
Buffalo                                             $52 per cubic yard
                                                    $500    1 unit maximum
                                                    $650    2 unit maximum
                                                    $800    3 unit maximum
                                                    $900    4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
 
                                                    $75 -  Poison Baiting
                                                           for Rodents
                                                           (single unit)
                                                    $50 -  Poison Baiting
                                                           for Rodents
                                                           (add'l unit)
                                                    $125 - Contact Poison
                                                           for Insects
                                                           (single unit)
                                                    $75 -  Contact Poison
                                                           for Insects
                                                           (add'l unit)
___________________________________________________________________________
Camden                If vehicle is tagged, clear   $52 per cubic yard
                      thru police for owner         $500    1 unit maximum
                      before removing.              $650    2 unit maximum
                                                    $800    3 unit maximum
                                                    $900    4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
___________________________________________________________________________
New York State                                      $52 per cubic yard
(New York City*)                                    $500    1 unit maximum
                                                    $850    2 unit maximum
                                                    $1,000  3 unit maximum
                                                    $1,100  4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
 
                                                    $75 -  Poison Baiting
                                                           for Rodents
                                                           (single unit)
                                                    $50 -  Poison Baiting
                                                           for Rodents
                                                           (add'l unit)
                                                    $125 - Contact Poison
                                                           for Insects
                                                           (single unit)
                                                    $75 -  Contact Poison
                                                           for Insects
                                                           (add'l unit)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 5 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Mid-Atlantic Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
District of Columbia  Extermination of Bugs or      $35 per cubic yard
Virginia State        Pests is included in the      $400    1 unit maximum
                      clean out costs and is        $650    2 unit maximum
                      not to be billed as a         $725    3 unit maximum
                      separate service.             $875    4 unit maximum
 
                                                    $120 for vehicle
                                                    removal
___________________________________________________________________________
Maryland State        Extermination of Bugs or      $40 per cubic yard
                      Pests is included in the      $400    1 unit maximum
                      clean out costs and is        $650    2 unit maximum
                      not to be billed as a         $725    3 unit maximum
                      separate service.             $875    4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
___________________________________________________________________________
Pennsylvania State    Extermination of Bugs or      $35 per cubic yard
  (Philadelphia*)     Pests is included in the      $400    1 unit maximum
                      clean out costs and is        $650    2 unit maximum
                      not to be billed as a         $725    3 unit maximum
                      separate service.             $875    4 unit maximum
 
                                                    $120 for vehicle
                                                    removal
___________________________________________________________________________
Pittsburgh            Extermination of Bugs or      $35 per cubic yard
                      Pests is included in the      $400    1 unit maximum
                      clean out costs and is        $650    2 unit maximum
                      not to be billed as a         $825    3 unit maximum
                      separate service.             $1,000  4 unit maximum
 
                                                    $100 for vehicle
                                                    removal
___________________________________________________________________________
West Virginia State   Mortgagees are not to
                      perform any debris removal
                      without specific local HUD
                      office approval.
 
                      Extermination of Bugs or
                      Pests is included in the
                      clean out costs and is
                      not to be billed as a
                      separate service.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 6 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                    Southeast / Caribbean Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Alabama State         One before and one after      $25 per cubic yard
Coral Gables          photograph is required        $300    1 unit maximum
Georgia State         for each room or              $450    2 Unit maximum
Jacksonville          outbuilding that has          $600    3 unit maximum
Knoxville             debris to be removed.         $750    4 unit maximum
Memphis
Orlando                                             $50 for vehicle removal
Tampa
Tennessee State
  (Nashville*)
___________________________________________________________________________
Caribbean             One before and one after      $25 per cubic yard
                      photograph is required
                      for each room or              $200 per story
                      outbuilding that has
                      debris to be removed.         $50 for vehicle removal
___________________________________________________________________________
Kentucky State        Mortgagees are not to         $25 per cubic yard
                      perform any interior
                      debris removal without        $150 Exterior cleaning
                      specific local HUD office     only
                      approval.  Mortgagees
                      are to remove exterior        $50 for vehicle removal
                      debris only.  One before
                      and one after photograph
                      is required for exterior
                      debris removed.
___________________________________________________________________________
Mississippi State     Mortgagees are not to
North Carolina State  perform any debris removal
South Carolina State  without specific local HUD
                      office approval.
===========================================================================
 
                              Midwest Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Cincinnati            Mortgagees are not to         $25 per cubic yard
Illinois State        perform any interior debris
                      removal (except for health    $150 Exterior cleaning
                      issues: raw garbage, animal   only (and interior for
                      feces, etc.) without prior    health issues: raw
                      approval from the local HUD   garbage, animal feces,
                      office.                       etc.)
 
                                                    $50 for vehicle removal
___________________________________________________________________________
Cleveland             Mortgagees are not to         $25 per cubic yard
                      perform any interior debris
                      removal (except for health    $400 maximum
                      issues: raw garbage, animal
                      feces, etc.) without prior    $50 for vehicle removal
                      approval from the local HUD
                      office.  If HUD approval for
                      health related interior
                      cleaning is required,
                      include property key with
                      approval request.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 7 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Midwest Offices
                                (continued)
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Flint                 Mortgagees are not to         $25 per cubic yard
                      perform any interior debris
                      removal (except for health    $150 Exterior cleaning
                      issues: raw garbage, animal   only (and interior for
                      feces, etc.) without prior    health issues: raw
                      approval from the local HUD   garbage, animal feces,
                      office.                       etc.)
 
                                                    $50 Max. for interior
                                                    cleaning (health issues
                                                    only).
 
                      Remove doors from             $15 per appliance to
                      refrigerators/freezers        doors
                      left in  remove property.
                                                    $50 for vehicle removal
___________________________________________________________________________
Grand Rapids          Mortgagees are not to         $28 per cubic yard
                      perform any interior debris
                      removal (except for health    $400 Exterior cleaning
                      issues: raw garbage, animal   only (and interior for
                      feces, etc.) without prior    health issues: raw
                      approval from the local HUD   garbage, animal feces,
                      office.                       etc.)
 
                      Remove the refrigerator       $56 Maximum for
                      door and leave in property.   interior cleaning
                                                    (health issues only).
 
                                                    $50 for vehicle removal
___________________________________________________________________________
Indiana State         Requests to exceed debris     $25 per cubic yard
                      removal cap must be broken
                      down as follows:  1) Int.     $400 maximum
                      Debris; 2) Ext. Debris;
                      3) Health Hazards             $50 for vehicle removal
                                                    (perishables)
___________________________________________________________________________
Michigan State                                      $25 per cubic yard
  (Detroit*)
                                                    $400 maximum
 
                                                    $50 for vehicle removal
___________________________________________________________________________
Minnesota State       Mortgagees are not to         $25 per cubic yard
                      perform any interior debris
                      removal (except for health    $100 Exterior cleaning
                      or safety issues: raw         only (and interior for
                      garbage, animal feces,        health issues:  raw
                      etc.) without prior approval  garbage, animal feces,
                      from the local HUD office.    etc.)
                      Should a situation arise
                      involving hazardous waste,    $25 Trip Fee - Only for
                      notify the local HUD office.  properties outside the
                                                    8-county metro area
                      Include original photos       (Anoka, Carver, Dakota,
                      with request to exceed        Hennepin, Ramsey,
                      limit.                        Scott, Washington,
                                                    Wright Counties) where
                                                    the contractor must
                                                    travel over 50 miles
                                                    from base to property.
 
                                                    $50 for vehicle removal
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 8 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Midwest Offices
                                (continued)
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Ohio State            Provide key to Ohio State     $25 per cubic yard
  (Columbus*)         Office if cost of interior
                      debris is over $400.          $400 maximum
 
                                                    $50 for vehicle removal
___________________________________________________________________________
Wisconsin State       Mortgagees are not to         $25 per cubic yard
                      perform any interior debris
                      removal (except for health    $50 Max. for interior
                      issues: raw garbage, animal   cleaning (health
                      feces, etc.) without prior    issues only).
                      approval from the local
                      HUD office.                   $400 Debris Removal
                                                    Max.
 
                                                    $50 for vehicle removal
 
===========================================================================
 
                              Southwest Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Arkansas State        Mortgagees are not to perform
                      any debris removal without
                      prior approval from the
                      local HUD office.
___________________________________________________________________________
Houston               Mortgagees are not to perform
                      any debris removal without
                      prior approval from the
                      local HUD office except under
                      the following circumstances:
                      health hazards, danger of
                      further property
                      deterioration, cleaning
                      lien by municipality.
___________________________________________________________________________
Louisiana State       Dump fees will be reimbursed  $22 per cubic yard
  (New Orleans*)      as a separate expense and     $250    1 unit maximum
                      outside the debris removal    $300    2 unit maximum
                      maximum only for hazardous    $350    3 unit maximum
                      wastes, noncompactibles       $400    4 unit maximum
                      (steel, cable, concrete,
                      etc.), tires, appliances,     $50 for vehicle removal
                      mattresses, etc.  A copy
                      of the dump fee receipt
                      must be maintained in
                      the claim file.
___________________________________________________________________________
Lubbock               Dump fees will be reimbursed  $22 per cubic yard
New Mexico State      as a separate expense and     $250    1 unit maximum
Oklahoma State        outside the debris removal    $300    2 unit maximum
  (Oklahoma City*)    maximum only for hazardous    $350    3 unit maximum
                      wastes, noncompactibles       $400    4 unit maximum
                      (steel, cable, concrete,
                      etc.), tires, appliances,
                      mattresses, etc.  A copy
                      of the dump fee receipt
                      must be maintained in the
                      claim file.
___________________________________________________________________________
Texas State           Mortgagees are not to
  (Ft. Worth*)        perform any debris removal
                      without prior approval from
                      the local HUD office,
                      except for health and
                      safety hazards, personal
                      property, danger of further
                      property deterioration, or
                      cleaning lien by municipality.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 9 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
San Antonio           Dump fees will be reimbursed  $25 per cubic yard
                      as a separate expense and     $350    1 unit maximum
                      outside the debris removal    $500    2 unit maximum
                      maximum only for hazardous    $650    3 unit maximum
                      wastes, noncompactibles       $800    4 unit maximum
                      (steel, cable, concrete,
                      etc.), tires, appliances,     $100 for vehicle
                      mattresses, etc.  A copy      removal
                      of the dump fee receipt
                      must be maintained in the
                      claim file.
___________________________________________________________________________
Shreveport            Dump fees will be reimbursed  $22 per cubic yard
                      as a separate expense and     $250    1 unit maximum
                      outside the debris removal    $300    2 unit maximum
                      maximum only for hazardous    $350    3 unit maximum
                      wastes, noncompactibles       $400    4 unit maximum
                      (steel, cable, concrete,
                      etc.), tires, appliances,     $55 abandoned vehicle
                      mattresses, etc.  A copy      removal
                      of the dump fee receipt
                      must be maintained in the
                      claim file.
___________________________________________________________________________
Tulsa                 Dump fees will be reimbursed  $25 per cubic yard
                      in addition to cost per       $15 dump fee
                      cubic yard.  Dump fee         $500    1 unit maximum
                      receipts must be maintained
                      in the claim file.
===========================================================================
 
                              Great Plains Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Iowa State            Inoperable appliances not     $40 per cubic yard
                      located in their normally     $550    1 unit maximum
                      used location (kitchen,       $800    2 unit maximum
                      laundry room, etc.) must      $900    3 unit maximum
                      be removed from the           $1,000  4 unit maximum
                      property.
                                                    $75 for vehicle removal
 
                                                    $75 for Bug & Pest
                                                    Fumigation
___________________________________________________________________________
Kansas/Missouri       Mortgagees are not to         $75 for Bug & Pest
  State               perform any debris removal    Fumigation
  (Kansas City*)      without prior approval from
                      the local HUD office.
___________________________________________________________________________
Nebraska State                                      $20 per cubic yard
St. Louis                                           $550    1 unit maximum
                                                    $800    2 unit maximum
                                                    $900    3 unit maximum
                                                    $1,000  4 unit maximum
 
                                                    $75 for vehicle removal
 
                                                    $75 for Bug & Pest
                                                    Fumigation
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 10 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Rocky Mountain Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Colorado State        Mortgagees are not to perform
                      any debris removal without
                      specific local HUD office
                      approval.  If debris
                      constitutes a safety or
                      health hazard, the mortgagee
                      should contact the Colorado
                      office to request approval to
                      remove debris.
___________________________________________________________________________
Montana State         Mortgagees are not to perform
                      any debris removal without
                      specific local HUD office
                      approval.
 
                      Vehicle Removal - Contact
                      Sheriff's office to remove
                      abandoned vehicles as they
                      will remove for free.
___________________________________________________________________________
North Dakota State    Mortgagees are not to perform
Utah State            any debris removal without
                      specific local HUD office
                      approval.
===========================================================================
 
                         Pacific / Hawaii Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Arizona State         The Arizona State office      $75 for vehicle removal
  (Phoenix*)          requires all debris removal,
                      except the four cubic yards
                      included in the securing
                      fee, to be pre-approved.
                      Debris to be removed during
                      securing is restricted to
                      only that debris creating
                      health and safety hazards
                      and incidental trash such
                      as newspapers, flyers, etc.
                      Before approval is requested
                      to remove debris, the lender
                      must obtain two bids from
                      competing firms.
___________________________________________________________________________
California State      Mortgagees are not to perform
  (San Francisco*)    any debris removal without
Hawaii State          specific local HUD office
Nevada State          approval.
  (Las Vegas*)        Mortgagees must request
Sacramento            authorization to clean up
Santa Ana             and remove debris.  This will
                      only be approved when health
                      and safety is an issue.
___________________________________________________________________________
Fresno                Mortgagees are not to         $100 for vehicle
                      perform any debris removal    removal*
                      without specific local HUD
                      office approval.              $150 for vehicle
                      Mortgagees must request       removal if vehicle has
                      authorization to clean up     no wheels.*
                      and remove debris.  This
                      will only be approved when    * Before & after photos
                      health and safety is an         required for vehicle
                      issue.                          removal
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 5
                                                              Page 11 of 11
 
          DEBRIS REMOVAL SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Los Angeles                                         $25 per cubic yard
                                                    $500 maximum
 
                                                    $75 for vehicle removal
 
                                                    $100 for vehicle
                                                    removal if vehicle has
                                                    no wheels.
___________________________________________________________________________
Reno                  Mortgagees are not to         $75 for vehicle removal
San Diego             perform any debris removal
                      without specific local HUD
                      office approval.
                      Mortgagees must request
                      authorization to clean up
                      and remove debris.  This
                      will only be approved when
                      health and safety is an
                      issue.
___________________________________________________________________________
Tucson                                              $10 per cubic yard
                                                    $500 maximum
===========================================================================
 
                         Northwest / Alaska Offices
 
===========================================================================
                         Variation(s) From General
Local HUD Office(s)              Requirements                    Cost
___________________________________________________________________________
Alaska State          Mortgagees are not to perform
                      any debris removal.
                      Must obtain written permission
                      from the local HUD office
                      prior to spending any funds
                      for the removal of hazardous
                      items.
___________________________________________________________________________
Idaho State           Mortgagees are not to perform
                      any debris removal or remove
                      abandoned vehicles.
                      Cleanups permitted with prior
                      approval only, when the local
                      municipality has issued a
                      citation requiring immediate
                      abatement of health & safety
                      code violations.
___________________________________________________________________________
Oregon State                                        $50 per cubic yard
                                                    $300 maximum
 
                                                    $150 for vehicle
                                                    removal including
                                                    compliance with state
                                                    and local laws and
                                                    ordinance (Hauling &
                                                    disposal only $100)
___________________________________________________________________________
Washington State      Mortgagees are not to perform
                      any debris removal.
                      Must obtain written permission
                      from the local HUD office
                      prior to spending any funds
                      for the removal of hazardous
                      items or abandoned vehicles.
                      Hazardous and/or flammable
                      materials (i.e. paint,
                      chemicals, gasoline, etc.)
                      or anything which poses a
                      threat to health or safety
                      (this includes perishables)
                      in the interior and/or garage
                      shall be removed.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 1 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
     Lawn cutting (initial and subsequent cuts) includes cutting the lawn,
trimming shrubs, weeding, mowing, sweeping of all paved areas (sidewalks,
driveways, patios, etc.), and removal of all lawn clippings, related
cuttings, and incidental debris (newspapers, flyers, bottles, etc.).  These
services are included in the initial cut and recut cost allowables and are
not to be claimed as separate expenses unless otherwise specified in this
attachment.  For other exterior debris removal such as proper disposal of
excessive trash, refuse, abandoned lawn furniture or any other objects or
material that would not normally be kept on the lot and exterior of the
property, please see Attachment 5, 'Debris Removal Service Requirements and
Cost Schedule'.  The disposal of all cuttings and incidental debris must be
performed in the manner legally permitted by the community in which the
work is performed.
 
     Grass should typically be cut twice a month between April 1 and
October 31, however, more frequent lawn cuts may be allowed in certain
areas indicated below.  Once a month may be sufficient depending on the
level of rainfall during the spring and summer seasons.  Grass should not
be cut between November 1 and March 31 unless prior written approval is
obtained from the local HUD office or otherwise prescribed below.  Grass
and weeds must be cut to the edge of the property line and to a maximum of
two inches.  Grass and weeds must be trimmed around foundations, bushes,
trees, and planting beds.  Also, grass and weeds must be trimmed flush with
fences and other construction that would normally require trimming.
Mortgagees shall not order lawn maintenance for properties such as
condominiums where yard maintenance is covered by associations for fees.
 
     In general, the mortgagee is to maintain a safe and accessible snow
and ice-free condition of the property exteriors throughout the winter
season.  Snow removal must be effected at the discretion of the mortgagee
but consistent with local codes and ordinances governing the removal of
snow or ice.
 
                              New England Offices
 
===========================================================================
Local HUD              Variation(s) From
Office(s)             General Requirements             Service        Cost
___________________________________________________________________________
Connecticut State                            Initial Cut                $55
 
                                             Recut                      $30
 
                                             Trim Shrubs (Once between  $45
                                             Apr. 1 & Oct. 31.)
 
                                             Snow Removal (Entry Walks) $75
___________________________________________________________________________
Massachusetts State                          Initial Cut                $60
                                             (<=5,000 sq. ft)
 
                                             Initial Cut                $80
                                             (>5,000 sq. ft)
 
                                             Recut (<=5,000 sq. ft)     $35
 
                                             Recut (>5,000 sq. ft)      $55
 
                                             Trim Shrubs (Once between  $40
                                             Apr.1 & Oct. 31.)
 
                                             Snow Removal (Entry Walks) $75
___________________________________________________________________________
New Hampshire State                          Initial Cut                $55
Rhode Island State
                                             Recut                      $30
 
                                             Trim Shrubs (Once between  $40
                                             Apr.1 & Oct. 31.)
 
                                             Snow Removal (Entry Walks) $75
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 2 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                         New York / New Jersey Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Albany                                       Initial Cut                $75
                                             Recut                      $30
                                             Snow Removal               $28
___________________________________________________________________________
Buffalo                                      Initial Cut                $50
Camden                                       Recut                      $30
New Jersey State                             Snow Removal               $28
  (Newark*)
___________________________________________________________________________
New York State                               Initial Cut               $125
  (New York City*)                           Recut                      $40
                                             Snow Removal               $28
===========================================================================
 
                              Mid-Atlantic Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
District of Columbia  Approximate Average    Initial Cut                $50
Pennsylvania State    Lot Size:                (less than 5,000 sq. ft)
  (Philadelphia*)      D.C.: 50x100          Initial Cut                $65
Virginia State         Pa.:  60x100            (5,000 - 10,000 sq. ft)
West Virginia State    Va.:  75x100          Initial Cut
                       W.V.: 1/4 - 1/2 acre    (over 10,000 sq. ft)     $90
                                             Recut                      $30
                                               (less than 5,000 sq. ft)
                                             Recut                      $45
                                               (5,000 - 10,000 sq. ft)
                                             Recut                      $65
                                               (over 10,000 sq. ft)
                                             Snow Removal               $25
___________________________________________________________________________
Maryland State        Approx. Avg.           Initial Cut               $150
                      Lot Size: 20x60          (up to 10,000 sq. ft)
                                             Initial Cut               $225
                                               (over 10,000 sq. ft)
                                             Recut                      $30
                                               (less than 5,000 sq. ft)
                                             Recut                      $60
                                               (5,000 - 10,000 sq. ft)
                                             Recut (over 10,000 sq. ft) $75
                                             Snow Removal               $25
___________________________________________________________________________
Pittsburgh            Approx. Avg.           Initial Cut                $75
                      Lot Size: 50x100         (less than 5,000 sq. ft)
                                             Initial Cut                $90
                                               (5,000 - 10,000 sq. ft)
                                             Initial Cut               $115
                                               (over 10,000 sq. ft)
                                             Recut                      $30
                                               (less than 5,000 sq. ft)
                                             Recut                      $45
                                               (5,000 - 10,000 sq. ft)
                                             Recut (over 10,000 sq. ft) $65
                                             Snow Removal               $25
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 3 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                         Southeast / Caribbean Offices
 
===========================================================================
Local HUD              Variation(s) From
Office(s)             General Requirements             Service        Cost
___________________________________________________________________________
Alabama State         An initial cut is      Initial Cut                $70
                      permitted year round,    (Avg. lot size 100'x150')
                      if needed.  Lawn       Recut                      $30
                      should be cut twice
                      a month between        For larger lots, multiply
                      March 1 and November   total sq. ft. by $.0047.
                      30.  Two before and    Maximum lot size for
                      two after photos       lawn maintenance is
                      required for each      200 ft. x 200 ft.         $188
                      lawn cut.
___________________________________________________________________________
Caribbean             Lawn should be cut     Initial Cut                $70
                      twice a month year       (Avg. lot size 100'x150')
                      round.  Two before     Recut                      $30
                      and two after photos
                      required for each      For larger lots, multiply
                      lawn cut.              total sq. ft. by $.0047.
                                             Maximum lot size for
                                             lawn maintenance is
                                             200 ft. x 200 ft.         $188
___________________________________________________________________________
Coral Gables          Lawn should be cut     Initial Cut                $70
Jacksonville          twice a month between    (Avg. lot size 100'x150')
Tampa                 April 1 and October    Recut                      $30
                      31 and once a month
                      between November 1     For larger lots, multiply
                      and March 31.  Two     total sq. ft. by $.0047.
                      before and two after   Maximum lot size for
                      photos required for    lawn maintenance is
                      each lawn cut.         200 ft. x 200 ft.         $188
 
                                             For larger lots, 43%
                                             of initial cost if more
                                             than $30.
___________________________________________________________________________
Georgia State         Two before and two     Initial Cut                $70
Kentucky State        after photos required    (Avg. lot size 100'x150')
Knoxville             for each lawn cut.     Recut                      $30
Memphis
Mississippi State                            For larger lots, multiply
North Carolina State                         total sq. ft. by $.0047.
Tennessee State                              Maximum lot size for
  (Nashville*)                               lawn maintenance is
                                             200 ft. x 200 ft.         $188
___________________________________________________________________________
Orlando               Lawn should be cut     Initial Cut               $100
                      twice a month between    (Avg. lot size 100'x150')
                      April 1 and October    Recut                      $30
                      31 and once a month
                      between November 1     For larger lots, multiply
                      and March 31.  Two     total sq. ft. by $.0047.
                      before and two after   Maximum lot size for
                      photos required for    lawn maintenance is
                      each lawn cut.         200 ft. x 200 ft.         $188
___________________________________________________________________________
South Carolina State  Two before and two     Initial Cut                $70
                      after photos required    (Avg. lot size 100'x150')
                      for each lawn cut.     Recut                      $30
 
                                             For larger lots, multiply
                                             total sq. ft. by $.0047.
                                             Maximum lot size for
                                             lawn maintenance is
                                             200 ft. x 200 ft.         $188
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 4 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                              Midwest Offices
 
===========================================================================
Local HUD              Variation(s) From
Office(s)             General Requirements             Service        Cost
___________________________________________________________________________
Cincinnati                                   Initial Cut                $40
Cleveland                                    Recut                      $25
Flint                                        Trim Shrubs                $25
Indiana State                                  (Once between April 1
Michigan State                                 and October 31.)
  (Detroit*)                                 Snow Removal (Entry Walks) $30
Ohio State
  (Columbus*)
___________________________________________________________________________
Grand Rapids                                 Initial Cut - City Lot     $40
                                             Initial Cut - Rural Lot    $60
                                             Recut - City Lot           $25
                                             Recut - Rural Lot          $40
                                             Trim Shrubs                $25
                                             (Once between April 1
                                             and October 31.)
                                             Snow Removal               $30
___________________________________________________________________________
Illinois State                               Initial Cut                $40
                                             Recut                      $25
                                             Trim Shrubs                $25
                                             (Once between April 1
                                             and October 31.)
___________________________________________________________________________
Minnesota State       Rural properties       Initial Cut                $40
                      should be cut to         (under 9,000 sq ft)
                      conform to the area    Initial Cut                $85
                      standards.  Walks        (9,000 sq ft or larger)
                      to the rekeyed         Recut (under 9,000 sq ft)  $25
                      door must be           Recut                      $65
                      cleared.                 (9,000 sq ft or larger)
                                             Trim Shrubs                $25
                                             (Once between April 1
                                             and October 31.)
                                             Snow Removal               $30
___________________________________________________________________________
Wisconsin State                              Initial Cut - City Lot     $25
                                             Initial Cut - Rural Lot    $40
                                             Recut - City Lot           $15
                                             Recut - Rural Lot          $25
                                             Trim Shrubs                $25
                                             (Once between April 1
                                             and October 31.)
                                             Snow Removal               $30
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 5 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                              Southwest Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Arkansas State        The lawn may be cut    Initial Cut                $45
Houston               once during the        Recut                      $20
Lubbock               period November 1      Trim Shrubs                $35
New Mexico State      through March 31         (Once between April 1
Oklahoma State        if needed.               and October 31.)
  (Oklahoma City*)    An initial cut may
San Antonio           occur any month of
Texas State           the year.
  (Ft. Worth*)
___________________________________________________________________________
Louisiana State       The lawn may be cut    Initial Cut                $45
  (New Orleans*)      once during the        Recut                      $30
                      period November 1      Trim Shrubs                $35
                      through March 31 if      (Once between April 1
                      needed.                  and October 31.)
                      An initial cut may
                      occur any month of
                      the year.
___________________________________________________________________________
Shreveport            The lawn may be cut    Initial Cut                $50
                      once during the        Recut                      $25
                      period November 1      Trim Shrubs                $35
                      through March 31 if      (Once between April 1
                      needed.                  and October 31.)
                      An initial cut may
                      occur any month of
                      the year.
___________________________________________________________________________
Tulsa                 The lawn may be cut    Initial Cut                $60
                      once during the          (100 ft. x 150 ft. lot)
                      period November 1      Initial Cut (per acre)    $150
                      through March 31 if
                      needed.                Recut                      $25
                      An initial cut may
                      occur any month of
                      the year.
 
                      Trees and shrubs       Trim Shrubs and removal    $75
                      must be cut back or    of all cuttings (Once
                      removed when growing   between April 1 and
                      near foundation or     October 31.)
                      touching roof.
===========================================================================
 
                              Great Plains Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Iowa State                                   Initial Cut               $100
Nebraska State                               Recut                      $20
___________________________________________________________________________
Kansas/Missouri State
  (Kansas City*)                             Initial Cut               $100
St. Louis                                    Recut                      $35
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 6 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                            Rocky Mountain Offices
 
===========================================================================
Local HUD              Variation(s) From
Office(s)             General Requirements             Service        Cost
___________________________________________________________________________
Colorado State                               Initial Cut                $35
Montana State                                Recut                      $25
North Dakota State                           Snow Removal               $35
Utah State
===========================================================================
 
                              Pacific / Hawaii Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Arizona State         Grass should be cut    Initial Cut                $75
  (Phoenix*)          year round.  One cut   Recut                      $40
                      a month should be
                      sufficient, however,
                      two cuttings a month
                      may be required after
                      a rainy period.
                      Mortgagees will not
                      be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.  One
                      before and one after
                      photo is required for
                      each lawn cut
                      performed.
___________________________________________________________________________
California State      Grass should be cut    Initial Cut                $75
  (San Francisco*)    year round.  One cut   Recut                      $40
Fresno                a month should be
Reno                  sufficient, however,
Sacramento            two cuttings a month
San Diego             may be required after
                      a rainy period.  A
                      before and after
                      photo is required
                      to support each lawn
                      cut.  Mortgagees will
                      not be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.
___________________________________________________________________________
Hawaii State          Grass should be cut    Initial Cut               $100
                      year round.  One cut   Recut                      $50
                      a month should be
                      sufficient, however,
                      two cuttings a month
                      may be required after
                      a rainy period.  A
                      before and after photo
                      is required to support
                      each lawn cut.
                      Mortgagees will not
                      be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.
___________________________________________________________________________
Los Angeles           Grass should be cut    Initial Cut                $75
                      year round.  One cut   Recut                      $40
                      a month should be
                      sufficient, however,   Initial Cut for           $125
                      two cuttings a month   Antelope
                      may be required after  Valley (Palmdale,
                      a rainy period.  A     Lancaster, Littlerock,
                      before and after       Quartz Hills)
                      photo is required to
                      support each lawn cut.
                      Mortgagees will not
                      be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.
___________________________________________________________________________
Nevada State          Only one grass cut     Initial Cut                $75
  (Las Vegas*)        allowed per            Recut (requires prior      $40
                      conveyance.  The         approval)
                      grass may be cut any
                      month of the year.
                      A before and after
                      photo is required to
                      support each lawn cut.
                      Mortgagees will not
                      be  reimbursed for
                      properties with desert
                      landscaping except
                      for weed removal.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 6
                                                              Page 7 of 7
 
                    YARD MAINTENANCE SERVICE REQUIREMENTS
                              AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Santa Ana             Grass should be cut    Initial Cut                $75
                      year round.  One cut   Recut                      $40
                      a month should be
                      sufficient, however,
                      two cuttings a month
                      may be required after
                      a rainy period.
                      Mortgagees will not
                      be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.
___________________________________________________________________________
Tucson                Grass should be cut    Initial Cut                $75
                      year round.  One cut   Recut                      $35
                      a month should be
                      sufficient, however,
                      two cuttings a month
                      may be required after
                      a rainy period.  A
                      before and after photo
                      is required to support
                      each lawn cut.
                      Mortgagees will not
                      be reimbursed for
                      properties with desert
                      landscaping except for
                      weed removal.
===========================================================================
 
                         Northwest / Alaska Offices
 
===========================================================================
Local HUD              Variation(s) From
Office(s)             General Requirements             Service        Cost
___________________________________________________________________________
Alaska State          Lawn to be cut from    Initial Cut               $100
                      June 1 to September    Recut                      $25
                      30 only.               Snow Removal               $45
___________________________________________________________________________
Idaho State           Lawn maintenance       Initial Cut               $100
                      shall be done no more  Recut                      $25
                      frequently than every  Snow Removal               $45
                      two weeks.  Once a
                      month may be
                      sufficient depending
                      upon the amount of
                      rainfall.  Lawn to
                      be cut from May 1 to
                      October 31 only.
___________________________________________________________________________
Oregon State          Lawn maintenance       Initial Cut               $100
                      shall be done no more  Recut                      $25
                      frequently than every  Snow Removal               $45
                      two weeks.  Once a
                      month may be
                      sufficient depending
                      upon the amount of
                      rainfall.  Lawn to
                      be cut from March 15
                      to October 31 only.
___________________________________________________________________________
Washington State      Lawn maintenance       Initial Cut               $100
                      shall be done no more  Recut                      $25
                      frequently than once   Snow Removal               $45
                      per month, depending
                      upon the amount of
                      rainfall.
                      The average lot size
                      is approximately
                      50 x 100.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 1 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
     In jurisdictions where winterization is required, all properties must
be winterized between October 1 and March 31.  Properties should not be
winterized between April 1 and September 30.  Exceptions to these
winterization time periods are specified in this attachment.  Properties
should be winterized only once a year.  The property may be re-winterized
only if the initial winterization is deemed to be no longer effective and
the lender obtains prior approval from the local HUD office.  The
winterization process must include a thorough and complete draining of all
plumbing and heating systems.  Use of air pressure to clear the system or,
in some cases, adding antifreeze to the systems are both acceptable
provided that the effect prevents freeze-ups.
 
     The water supply to the property must be shut off at the curb.  If
curb shut off is not possible, the main interior water supply must be shut
off.  In either case, the water meter must be disconnected and left in the
property unless the City or County ordinance requires return of the meter
to the water company to eliminate further water charges.  The disconnected
feed pipe leading from the main water valve must be plugged.  Tags, labels,
or warning signs must be affixed to all items winterized and must include
the date of winterization and the name, address, and telephone number of
the firm that performed the work.  For properties with wells, the pump (if
not submersible) and tank must be drained.  All winterization must be
performed in accordance with state and local codes, ordinances and
regulations.
 
     Local HUD offices should be contacted for directions on maintaining
water services to houses where a community water service is involved and on
utility services to townhouses, duplexes, and condominiums where such
services must be left on due to homeowners association or party wall
requirements.
 
     1.   DRY HEAT SYSTEMS - The hot water heater and all domestic supply
and distribution piping must be thoroughly drained.  All faucet and valves
must be opened in the process and then closed after draining is completed.
Adequate amounts of antifreeze are to be placed in all fixture traps
including toilet tanks and bowls.
 
     2.   WET HEAT SYSTEMS - The winterization requirements outlined above
apply.  In addition, the house boiler system must be thoroughly drained.
All radiator vents are to be opened in the process, bleeder pins must not
be removed from the radiators.
 
     3.   RADIANT HEAT SYSTEM - The winterization requirements outlined
above apply.  In addition, winterization must include a thorough draining
of the heater.  Radiant heat piping must be drained and blown dry by
compressed air pressure and an adequate amount of antifreeze is to be put
in the radiant piping.
 
     4.   SUMP PUMPS - Where there is an existing sump pump used to keep
basements or crawl space dry, the electricity must remain on to assure that
the property is not damaged by flooding.  Check to make sure the sump pump
is operable and operating.  Contact the local HUD office for guidance if
the existing pump does not work.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 7
                                                              Page 2 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         New England Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Connecticut State                            Dry Heat System           $130
                                             Wet Heat System           $180
                                             Radiant Heat System       $130
                                             Sump Pump                  $25
___________________________________________________________________________
Massachusetts State   Winterize year round   Dry Heat System           $130
                      regardless of the      Wet Heat System           $225
                      month the property     Radiant Heat System       $130
                      is secured.            Sump Pump                  $25
                                             Water well                 $25
                                             (pump, tank & lines)
                                             Add'l bathroom             $10
                                             (per bathroom)
___________________________________________________________________________
New Hampshire State   Do not winterize       Dry Heal System           $130
                      multi-unit attached    Wet Heat System           $180
                      condominiums.          Radiant Heat System       $130
                                             Sump Pump                  $25
___________________________________________________________________________
Rhode Island State                           Dry Heat System           $150
                                             Wet Heat System           $200
                                             Radiant Heat System       $150
                                             Sump Pump                  $30
===========================================================================
 
                         New York / New Jersey Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Albany                                       Dry Heat Systems          $100
                                             Wet Heat System           $125
                                             Additional Units      $49/unit
___________________________________________________________________________
Buffalo               Winterize year round,  Dry Heat Systems          $100
                      regardless of the      Wet Heat Systems          $125
                      month the property     Additional Units      $49/unit
                      is secured.
                      Pools must be drained.
                      The mortgagee/
                      contractor should
                      check with the local
                      jurisdiction to
                      determine if there
                      are restrictions on
                      the use of anti-freeze
                      compounds.
                      The mortgagee must
                      note in the comments
                      section of the 27011A
                      when curb shut-off is
                      not possible & the
                      reason it could not
                      be shut off.
___________________________________________________________________________
Camden                Winterize year round,  Dry Heat Systems          $100
New Jersey State      regardless of the      Wet Heat System           $125
  (Newark*)           month the property     Additional Units      $49/unit
                      is secured.
___________________________________________________________________________
New York State        Winterize year round,  Dry Heat Systems          $150
  (New York City*)    regardless of the      Wet Heat System           $155
                      month the property     Additional Units      $49/unit
                      is secured.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Attachment 7
                                                              Page 3 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Mid-Atlantic Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
District of Columbia  Winterize year round,  Dry Heat Systems           $55
Maryland State        regardless of the      Dry Heat Systems           $35
Pennsylvania State    month the property       (add'l unit)
  (Philadelphia*)     is secured.
Virginia State                               Wet Heat System           $100
West Virginia State                          Wet Heat System            $80
                                             (add'l unit)
 
                                             Radiant Heat System       $100
                                             Radiant Heat System        $80
                                             (add'l unit)
___________________________________________________________________________
Pittsburgh            Winterize year round,  Dry Heat Systems           $55
                      regardless of the      Dry Heat Systems           $35
                      month the property       (add'l unit)
                      is secured.
                      When winterizing all   Wet Heat Systems          $100
                      properties located in  Wet Heat Systems           $80
                      the following areas      (add'l unit)
                      of Pennsylvania:
                      City of Erie,          Radiant Heat Systems      $100
                      Millcreek Twp.,        Radiant Heat System        $80
                      Harborcreek Twp.,        (add'l unit)
                      Wesleyville, Lawrence
                      Park Twp.,
                      mortgagee/contractor
                      must contact the
                      following public
                      authorities to have
                      water turned off at
                      the curb and to stop
                      trash pickups:
 
                      Erie Water Authority
                      P.O. Box 1729
                      Erie, PA 16507
                      Phone (814) 455-1049 ext 258
 
                      Erie Public Works Dept.
                      Municiple Bldg., Rm 504
                      626 State St.
                      Erie, PA
                      Phone (814) 870-1450
 
                      Failure to do this will
                      result in water, sewage and
                      trash pickup services to
                      continue and for charges
                      to continue to accrue
                      against the property.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 4 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Southeast / Caribbean Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Alabama State         Electricity and        Winterization         $45/unit
                      utilities are to be
                      turned off or
                      disconnected unless
                      approval by the local
                      HUD office.  Do not
                      disconnect water
                      meter.  Use only
                      non-toxic biodegradable
                      materials.  Toilets
                      must be cleaned before
                      winterization materials
                      are used.
___________________________________________________________________________
Caribbean             Not applicable.
                      No winterization
                      necessary.
___________________________________________________________________________
Coral Gables          The water supply must
Jacksonville          be shut off at the
Orlando               curb, the water heater
Tampa                 and water lines drained
                      and utility companies
                      notified to cancel all
                      services.  No other
                      winterization is
                      required.  These
                      services are a standard
                      requirement and do not
                      have an allowable
                      charge.
___________________________________________________________________________
Georgia State         See specific           Winterization         $45/unit
Kentucky State        requirements on
Knoxville             page 12 of this
Memphis               attachment.
North Carolina State
South Carolina State
Tennessee State
  (Nashville*)
___________________________________________________________________________
Jackson               See specific           Winterization         $60/unit
                      requirements on
                      page 12 of this
                      attachment.
 
===========================================================================
 
                              Midwest Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Cincinnati            Winterize year round,  Dry Heat systems           $50
                      regardless of the      Wet Heat Systems           $60
                      month the property     Radiant Heat Systems       $55
                      is secured.            Sump Pumps                 $15
                                             Water meter removal        $25
                                             Pumping water from        $100
                                             basement
___________________________________________________________________________
Cleveland             Winterize year round,  Dry Heat Systems           $50
Illinois State        regardless of the      Wet Heat Systems           $60
Indiana State         month the property     Radiant Heat Systems       $55
Ohio State            is secured.            Sump Pumps                 $15
  (Columbus*)                                Pumping water from        $100
                                             basement
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 5 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              Midwest Offices
                                (continued)
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Flint                 Winterize year round,  Dry Heat Systems           $50
                      regardless of the      Wet Heat Systems           $60
                      month the property     Radiant Heat Systems       $55
                      is secured.            Sump Pumps                 $15
                      Do not remove sump     Water meter removal        $40
                      pump.                  Pumping water from        $100
                                             basement
___________________________________________________________________________
Grand Rapids          Winterize year round,  Dry Heat Systems           $50
                      regardless of the      Wet Heat Systems           $60
                      month the property     Radiant Heat Systems       $55
                      is secured.  Install   Sump Pump                  $15
                      new submersible sump   Sump Pump Replacement     $225
                      pump if existing pump  Water meter removal        $25
                      is inoperable or       Pumping water from        $100
                      missing from the         basement
                      property.
___________________________________________________________________________
Michigan State        Winterize year round,  Winterization             $100
  (Detroit*)          regardless of the        (per living unit)
                      month the property     Pumping water from        $100
                      is secured.              basement
___________________________________________________________________________
Minnesota State       See specific           Domestic Plumbing         $125
                      requirements on          (includes anti-freeze)
                      pages 13 - 15 of
                      this attachment.       Dry Heat System - No
                                             additional charge.
 
                                             Hot Water Heating         $225
                                             (plus cost of
                                             anti-freeze;
                                             document quantity)
 
                                             Steam Heat                $100
 
                                             Sump Pumps - No
                                             additional fee
 
                                             Utilities (utility      Actual
                                             charges are not          cost
                                             included in the
                                             per-unit max.)
 
                                             Trip fee for properties    $25
                                             outside 8-County
                                             Twin-City metro area
                                             (Anoka, Carver, Dakota,
                                             Hennepin, Ramsey, Scott,
                                             Washington, Wright
                                             Counties) where the
                                             contractor must travel
                                             over 50 miles from base
                                             to property.
___________________________________________________________________________
Wisconsin State       Winterize year round,  Dry heat systems           $75
                      regardless of the      Wet heat systems           $85
                      month the property     Radiant heat systems       $75
                      is secured.            Sump pumps                 $15
                      Do not turn water      Pumping water from        $100
                      off at curb.             basement (only with
                                             prior approval)
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 6 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Southwest Offices
 
===========================================================================
                       Variation(s) From
Local HUD Office(s)   General Requirements             Service        Cost
___________________________________________________________________________
Arkansas State                               Winterization              $45
Louisiana State
  (New Orleans*)
Lubbock
Oklahoma State
  (Oklahoma City*)
San Antonio
Shreveport
___________________________________________________________________________
Houston               No winterization
                      necessary.
___________________________________________________________________________
New Mexico State      Winterize from         Winterization              $45
                      October 1 through
                      April 15 only.
___________________________________________________________________________
Texas State           Winterize from         Winterization              $55
  (Ft. Worth*)        October 15 through
                      March 15 only.
                      Air blow systems to
                      clear all lines,
                      drain water heater,
                      open all faucets
                      and add 2 cups of
                      environmentally safe
                      anti-freeze to all
                      commodes and 1/2 cup
                      to all sinks and
                      showers.
___________________________________________________________________________
Tulsa                                        Winterization              $45
 
                                             Add'l bath/kitchen          $5
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 7 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Great Plains Offices
 
===========================================================================
Local HUD             Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Iowa State            Winterize all year,    Dry heat systems (1 unit)  $50
                      regardless of the      Dry heat systems (2 units) $80
                      month the property is  Dry heat systems          $110
                      secured.  Follow the     (3 units)
                      directions listed in   Dry heat systems          $140
                      the Guidelines with      (4 units)
                      the following
                      additions:
 
                      Leave thermostat at    Wet heat systems (1 unit)  $90
                      55 degrees.            Wet heat systems          $160
                                               (2 units)
                      Hot Water/Steam        Wet heat systems          $220
                      Heating Systems:         (3 units)
 
                      Check pipes and        Wet heat systems          $300
                      radiators for leaks      (4 units)
                      and repair as
                      necessary and leave    Radiant heat systems      $135
                      system properly          (1 unit)
                      operating.  If the     Radiant heat systems      $250
                      property has a           (2 units)
                      propane or oil         Radiant heat systems      $365
                      system, put on           (3 units)
                      "KEEP FULL" contract   Radiant heat systems      $480
                      with a local supplier.   (4 units)
 
                      Slab Foundations:
 
                      Leave heating system   Sump Pump (1 unit)         $10
                      on and in proper       Sump Pump (2 units)        $20
                      operation.  If the     Sump Pump (3 units)        $30
                      property has a         Sump Pump (4 units)        $40
                      propane or oil
                      system, put on
                      "KEEP FULL" contract
                      with a local supplier.
                      Systems check of
                      furnace, lights,
                      water heater, etc.,
                      if utilities are on
                      - not to exceed $10.
                      Send report to HUD
                      with conveyance papers.
                      If hot water heating
                      systems, leave on in
                      proper operating
                      condition.
 
                      Private Wells and Septic
                      Tanks:
 
                      Wells - all pressure
                      tanks should be drained.
                      If pump is surface mounted,
                      drain pump housing; if
                      submersible, then disconnect
                      the check valve and drain
                      all pump, suction, and
                      discharge pipes.  All
                      fixtures should be
                      winterized.
 
                      Septic Tanks - consult
                      with local contractor.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 8 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Great Plains Offices
                              (continued)
 
===========================================================================
Local HUD             Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Kansas/Missouri State                        Dry heat systems (1 unit)  $50
  (Kansas City*)                             Dry heat systems (2 units) $70
                                             Dry heat systems (3 units) $90
                                             Dry heat systems          $110
                                               (4 units)
 
                                             Wet heat systems (1 unit)  $90
                                             Wet heat systems          $150
                                               (2 units)
                                             Wet heat systems          $200
                                               (3 units)
                                             Wet heat systems          $250
                                               (4 units)
 
                                             Radiant heat systems      $135
                                               (1 unit)
                                             Radiant heat systems      $250
                                               (2 units)
                                             Radiant heat systems      $365
                                               (3 units)
                                             Radiant heat systems      $480
                                               (4 units)
___________________________________________________________________________
Nebraska State                               Dry heat systems (1 unit)  $50
St. Louis                                    Dry heat systems (2 units) $80
                                             Dry heat systems          $110
                                               (3 units)
                                             Dry heat systems          $140
                                               (4 units)
 
                                             Wet heat systems (1 unit)  $90
                                             Wet heat systems          $160
                                               (2 units)
                                             Wet heat systems          $220
                                               (3 units)
                                             Wet heat systems          $300
                                               (4 units)
 
                                             Radiant heat systems      $135
                                               (1 unit)
                                             Radiant heat systems      $250
                                               (2 units)
                                             Radiant heat systems      $365
                                               (3 units)
                                             Radiant heat systems      $480
                                               (4 units)
 
                                             Sump Pump (1 unit)        $10
                                             Sump Pump (2 units)       $20
                                             Sump Pump (3 units)       $30
                                             Sump Pump (4 units)       $40
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 9 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Rocky Mountain Offices
 
===========================================================================
Local HUD
Office(s)      Variation(s) From General Requirements    Service      Cost
___________________________________________________________________________
Colorado       Winterize immediately upon determining   Winterization  $100
  State        vacancy regardless of the time of year.  (per unit)
North Dakota   The gas and electricity must be turned
  State        on, the furnace must be activated, and   Waiting for  $15/hr
               the thermostat set at 55 degrees.  The   utility     $60 max
Utah State     utility account must be transferred to   company
               the mortgagee.  Subsequent property      to connect.
               inspections should assure that the gas
               and electricity are on and the heating
               systems are functional.  If, for some
               reason, it would be dangerous to have
               the gas or electricity on, it may be
               turned off, however, this should be a
               rare occurrence and HUD must be
               notified.  If the property cannot be
               winterized, the local HUD office must
               be notified immediately.  Drain
               non-collapsible swimming pools.
               Disconnect appliances.  Place fuel oil
               systems on a "keep full" basis with
               contractor.
___________________________________________________________________________
Montana State  Winterize immediately upon determining   Winterization  $100
               vacancy regardless of the time of year.  (per unit)
               The gas and electricity must be turned
               on, the furnace must be activated, and   Waiting for  $15/hr
               the thermostat set at 55 degrees.  The   utility     $60 max
               utility account must be transferred to   company
               the mortgagee.  Subsequent property      to connect.
               inspections should assure that the gas
               and electricity are on and the heating
               systems are functional.  If, for some
               reason, it would be dangerous to have
               the gas or electricity on, it may be
               turned off, however, HUD must be
               notified.  Hot water systems must be
               left on and must not be drained.  If the
               property cannot be winterized, the local
               HUD office must be notified immediately.
               Drain non-collapsible swimming pools.
               Disconnect appliances.  Place fuel oil
               systems on a "keep full" basis with
               contractor.
===========================================================================
 
                         Pacific / Hawaii Offices
 
===========================================================================
                      Variation(s) From General
Local HUD Office(s)           Requirements             Service        Cost
___________________________________________________________________________
Arizona State         Winterize properties above    Winterization       $75
  (Phoenix*)          4,000 feet only.
California State
  (San Francisco*)
Santa Ana
Tucson
___________________________________________________________________________
Fresno                Winterization is not          Winterization       $75
                      required.  If a lender has      (only with prior
                      a concern on a property         written approval)
                      whose elevation exceeds
                      4,000 feet, they should
                      contact the local HUD
                      office for approval.
___________________________________________________________________________
Hawaii State          Winterization not required.
                      Los Angeles
                      San Diego
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 10 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
                      Variation(s) From General
Local HUD Office(s)           Requirements             Service        Cost
___________________________________________________________________________
Nevada State          No winterization except for   Winterization       $75
  (Las Vegas*)        Pahrump zip code 89041 and      (only in
                      Mt. Charleston zip code         designated areas
                      89124.  All other               or on approval)
                      winterization on a case
                      by case basis.
___________________________________________________________________________
Reno                  Winterize from September      Winterization       $75
                      15 - April 15.
                      Use "non-toxic" anti-freeze.
                      In cases such as condominiums
                      or PUD complexes that have
                      no individual curbside
                      shutoffs and no main shutoff
                      in the individual units,
                      maintain the heat at 55
                      degrees Fahrenheit.
___________________________________________________________________________
Sacramento            Winterize properties above    Winterization       $75
                      1,000 feet only, from
                      September 1 thru March 31
===========================================================================
 
                         Northwest / Alaska Offices
 
===========================================================================
Local HUD             Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Alaska State          Properties should be          Dry Heat(per unit) $125
                      winterized (with heat         Wet Heat(per unit) $425
                      left on, thermostat set at
                      65 degrees Fahrenheit),       Sump Pump          $100
                      ALWAYS, regardless of the
                      time of the year, and should  Well-Water Storage  $25
                      be conveyed with water, gas,
                      and utilities ON.  Propane    Pool               $100
                      and fuel oil delivery         Hot Tub / Jacuzzi   $25
                      services shall remain on
                      automatic fill.  The          Testing             $70
                      servicing mortgagee is hereby   Hosebib/Valve
                      instructed and authorized to
                      switch utilities into HUD's   Backflow Preventer  $80
                      name effective on the date of
                      conveyance.  Utilities shall  Solar Systems       $25
                      remain in the servicing
                      mortgagee's name until
                      conveyance.  Water service
                      may be turned off at the
                      street (key box) only if the
                      property has a forced air or
                      electric heating system and
                      the domestic water system has
                      been properly winterized.
                      See pages 16 through 22 for
                      additional specifications,
                      checklist, and certifications.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 11 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                         Northwest / Alaska Offices
                                 (continued)
 
===========================================================================
Local HUD             Variation(s) From General
Office(s)                     Requirements             Service        Cost
___________________________________________________________________________
Idaho State           Maximum Indoor Temperature:   Dry Heat(per unit) $100
                      55 degrees                    Wet Heat(per unit) $175
 
                      Additional units: 50% of      Sump Pump          $100
                      maximum cost per
                      additional unit.              Well-Water Storage  $25
 
                      See pages 16 through 22 for   Pool               $100
                      additional specifications,    Hot Tub / Jacuzzi   $25
                      checklist, and
                      certifications.               Solar Systems       $50
___________________________________________________________________________
Oregon State          Winterize between Nov. 1      Dry Heat       $75/unit
                      thru Mar. 31 only.              (per unit)
                                                    Dry Heat Maximum   $125
                      Maximum Indoor Temperature:
                      55 degrees                    Wet Heat      $125/unit
                                                      (per unit)
                      Additional units: 50% of      Wet Heat Maximum   $425
                      maximum cost per
                      additional unit.              Sump Pump          $100
 
                      See pages 16 through 22 for   Well-Water Storage  $25
                      additional specifications,
                      checklist, and                Pool               $100
                      certifications.               Hot Tub / Jacuzzi   $25
 
                                                    Testing             $70
                                                    Hosebib / Valve
 
                                                    Backflow Preventer  $80
 
                                                    Solar Systems       $25
___________________________________________________________________________
Washington State      Maximum Indoor Temperature:   Dry Heat       $75/unit
                      55 degrees                      (per unit)
                                                    Dry Heat Maximum   $125
                      Additional units: 50% of
                      maximum cost per              Wet Heat      $125/unit
                      additional unit.                (per unit)
                                                    Wet Heat Maximum   $425
                      See pages 16 through 22 for
                      additional specifications,    Sump Pump          $100
                      checklist, and
                      certifications.               Well-Water Storage  $25
 
                                                    Pool               $100
                                                    Hot Tub / Jacuzzi   $25
 
                                                    Testing             $70
                                                    Hosebib / Valve
 
                                                    Backflow Preventer  $80
 
                                                    Solar Systems       $25
 
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 12 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
     WINTERIZATION SPECIFICATIONS FOR SOUTHEAST / CARIBBEAN OFFICES
 
1.   Disconnect main water line at property side of meter.
 
2.   Apply air pressure to water lines sufficient to remove all water.
 
3.   Remove water from water heater, traps, and water closets.
 
4.   Cap disconnected water line.
 
5.   Place non-toxic antifreeze (minimum of one gallon per living unit or
     sufficient amount to prevent pipes from freezing) in all traps, toilet
     bowls, and water closets.
 
6.   Failure to properly winterize property may result in mortgagee being
     liable for freeze damage.
 
7.   Attach a "WARNING" sign at the kitchen sink, bath facilities and water
     heater, that a minimum, includes the following information:
 
___________________________________________________________________________
 
                                   WARNING
 
               THIS PROPERTY SYSTEM WINTERIZED ON __/__/__  BY:
 
                    NAME OF FIRM: __________________________
 
                    PHONE NO.:______________________________
 
                         DO NOT USE PLUMBING SYSTEM
 
WATER TESTING MUST BE ACCOMPLISHED WITHOUT DE-WINTERIZING SYSTEMS!
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 13 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
          WINTERIZATION SPECIFICATIONS FOR MINNESOTA STATE OFFICE
 
     Properties must be winterized on a year round basis.  Properties
should be winterized only once.  The property may be re-winterized only if
the initial winterization is deemed to be no longer effective and the
lender obtains prior approval from the local HUD office.
 
Domestic Water
 
     On all properties test for system integrity.  Turn the water on,
inspect for leakage, and shut down.  If problems are noted, inform the
Minnesota HUD office at time of conveyance.
 
     If the water supply source is a public system, have the utility turn
off the supply at the street (key/stop box) if possible.  Turn off the
water inside the house.  Do not cut any water lines or remove water meters.
(A non-reimbursable charge may be made by the water utility for
unauthorized water meter removal.)  Most water departments, particularly
the City of Minneapolis, must be notified when water is turned off so that
a final meter reading can be done; be sure to do this.  Note that if the
heating system is hydronic or hot water baseboard heating, the water must
not be turned off. (See below)
 
     If the water supply is a private well, turn off the well at the
breaker panel and tape off the breaker.  Disconnect the water supply line
between the house and pressure tank and install a hose bib on the pressure
tank side of the break.  Tag the hose bib "For Water Testing."
 
     Drain and blow air through all domestic hot and cold water lines, the
hot water heater, water softener tank, brine tank, well water storage tank
and/or the well water captive air bank, and dishwasher, if any.  Pour one
quart maximum of non-toxic antifreeze (propolyne-glycol) into each drain:
tubs, shower, laundry, floor, sinks, etc.
 
     Remove water from toilet tank and bowl.  Pour a minimum of one gallon
of non-toxic antifreeze (propolyne-glycol) into each toilet bowl and a
small amount of antifreeze in tanks if the water was not completely
removed.
 
     Tape all faucets to the open position.  Mark all drains, fixtures,
appliances, devices in the system with the statement "Winterized **** Do
Not Use", and date.
 
Dry Heat System
 
     The heating system should be operational and the thermostat left at a
55 degree setting.  In the event major repair or replacement would be
necessary in order to make the heating system operational, contact the
Minnesota office for instructions.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 14 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
          WINTERIZATION SPECIFICATIONS FOR MINNESOTA STATE OFFICE
 
Wet Heat (Hydronic or Hot Water Baseboard) Systems
 
     The winterization requirements outlined above for domestic water apply
except that water should not be shut off to or in the property.  Test for
system security.  Pressurize the system with an air compressor to 50 lbs.
and inspect for leakage.  System must hold air pressure with no leakage for
a minimum of one-half hour.
 
     Drain the boiler and all heating loops.  Repair, replace, or install
(as necessary to comply with state health department requirements) a
Reduced Pressure Zone (RPZ) valve.  Such a valve shall be installed between
the furnace and the main feed water supply, adjacent to the furnace.
 
     Fill the boiler and all heating loops with a non-toxic antifreeze
(propolyne-glycol) solution tested to a freeze point of -40 degrees F., or
lower.  Isolate loops or bleed in sequence to insure proper flushing
through the lines.  Bleed all vents in the system to insure that all air
has been voided from the system.
 
     Return the heating system to normal operating temperature and
pressure.  Check the entire system for proper operation.  Tape the furnace
electrical switch to the "on" position.  Tape card above the switch
stating, "Do Not Remove Tape.  Do Not turn Off".
 
     Set the thermostat at a 55 degree setting.  In the event major repair
or replacement would be necessary in order to make heating system
operational, contact the Minnesota office for instructions.
 
Stream Heat Systems
 
     Determine if the system is operable and if there are nay leaks.
Report this information to HUD at time of conveyance.  Then shut down the
heating system.  Pressurize the system with an air compressor to 50 lbs.
and inspect for leakage.  System must hold air pressure with no leakage for
a minimum of one-half hour.  Note:  A steam heat system will have radiators
with valves at the bottom of the radiator; a careful determination as to
whether the system is hot water or steam must be made.
 
Sump Pumps
 
     Where a sump pump is used to keep basements or crawl space dry check
to make sure the sump pump is operable and operating to assure that the
property is not damaged by flooding.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 15 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
          WINTERIZATION SPECIFICATIONS FOR MINNESOTA STATE OFFICE
 
Utilities
 
     Electricity and gas (for heating) are to remain on.  Propane and oil
service must be placed on automatic fill.  Billing to utilities should be
in the lender's name until conveyance of the property to HUD.  We will
active billing in HUD's name within 5 days after receipt of the copy of the
Part A in the field office.  In all cases, the mortgagee should pay the
bill and obtain reimbursement for utility costs that cover the date of the
conveyance until the end of that utility's billing cycle.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 16 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
     WINTERIZATION SPECIFICATIONS FOR NORTHWEST / ALASKA OFFICES
 
Winterization must include a thorough and complete draining of all plumbing
and heating systems.  Use of air pressure in the system and antifreeze is
acceptable provided the effect is to prevent freeze-ups.  The water supply
to the property must be shut off at the curb.  If a curb shutoff is not
possible, the main interior water supply must be shut off.  In either case,
the water meter must be disconnected, but not removed from property, and
the disconnected feed pipe leasing from the main water valve must be
plugged.
 
A.   Turn off Water at Street:
 
     1.   After Winterization in all Field Offices, except Alaska.
     2.   Alaska - Only turn water off at street if dry heat system is
          used, such as "forced" air heating system or "electric" heating
          system.
 
B.   Sump Pumps
 
     Where a sump pump is being used to keep basements or crawl space dry,
     the electricity must remain on to assure that the property is not
     damaged by flooding.
 
C.   Dry Heat Systems
 
     The hot water heater and all domestic supply and distribution piping
     must be thoroughly drained.  All faucets and valves must REMAIN OPEN
     during the process, and then closed after draining is completed.
     Adequate amounts of antifreeze are to be placed in all fixture traps,
     including toilet tanks and bowls.
 
     Test domestic supply lines for system integrity.  Turn kitchen,
     bathrooms, laundry area, exterior and garage faucets on position.
 
     1.   Turn water on.  Water lines should be drained and blown free of
          water.  Inspect for leakage and shut down.  Blow entire system
          free of water, using no less than a 40-gallon tank with a minimum
          of 50 pounds pressure.  Pressure of line should not exceed 90
          pounds.  System must hold air pressure with no leakage for a
          minimum of one-half hour.
 
     2.   Commode tanks - drain.
 
     3.   Hot water tank - drain valve is to be in open position.
 
     4.   Evaporative air conditioners and any existing water lines -
          drain.
 
     5.   Water softener tank, brine tank, and the well water storage tank
          and/or the well water captive air tank, dishwasher and washing
          machine - drain.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 17 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
     WINTERIZATION SPECIFICATIONS FOR NORTHWEST / ALASKA OFFICES
 
     6.   Turn off water supply and disconnect (do not remove) at water
          meter.
 
          a.   If the water supply source is city or community water, turn
               off the supply at the street (key box), if possible.  Turn
               off the water inside the house.  This may require
               installation of a gate valve.  Cut the supply line between
               the valve and the house.  Plug the cut supply line.
 
          b.   If the water supply is a private well, turn off the well at
               breaker panel and TAPE OFF breaker.  Disconnect the pump at
               pump controller.  Indicate on the breaker panel that the
               pump has been disconnected at the pressure tank and install
               a hose bib on the pressure tank side of the break.  Tag the
               hose bib "FOR HEALTH DEPARTMENT TESTING".
 
     7.   Charge the entire domestic water system with a non-toxic
          antifreeze (propylene glycol).
 
          a.   Pour 2 quarts of non-toxic antifreeze (propylene glycol)
               into each drain.  This includes tubs, shower drains, laundry
               drains, sink drains, floor drains, lavatories, etc.
          b.   Pour a minimum of one gallon of non-toxic antifreeze
               (propylene glycol) into each water closet tank and flush.
          c.   Leave the outside sill cocks open.
          d.   Tape all faucets to the CLOSED position.  Mark all drains,
               fixtures, appliances in system and devices with the
               statement "WINTERIZATION****DO NOT USE."  Tape card to
               kitchen counter or other conspicuous place in the home
               containing the above information.
          e.   Comply with all items on the following checklist, post one
               copy at the breaker panel and tape one copy to the kitchen
               counter and hot water tank:  (SEE SECTION III; SAMPLE FORMS)
 
D.   Wet Heat Systems
 
     The winterization requirements outlined above (domestic water supply)
     apply.  In addition, the house boiler system or heater must be
     thoroughly drained.  All radiator vents are to be opened in the
     process.  Bleeder pins must not be removed from the radiators.  Any
     radiant heat piping must be drained and blown dry by compressed air
     pressure and an adequate amount of antifreeze is to be put in the
     radiant piping.
 
     1.   DO NOT TURN OFF THE WATER at the street (key box) if home heating
          system is hydropic or hot water baseboard system.
 
     2.   Confirm that fuel, (gas, oil, propane, etc.) electricity, and
          water are operational at the property.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 18 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
     WINTERIZATION SPECIFICATIONS FOR NORTHWEST / ALASKA OFFICES
 
     3.   Test for system integrity.  Turn the water on, inspect for
          leakage and shut down.  Pressurize system with air compressor to
          50 pounds and inspect for leakage.  System must hold air pressure
          with no leakage for a minimum of one-half hour.  Under no
          circumstances is the water to be shut off at the street (key
          box).
 
     4.   Test the non-toxic antifreeze (propylene glycol) for a freeze
          point of -30 degree F, or lower.  Ensure that glycol mixture is
          adequate to protect system from freezing.  If necessary, fill the
          boiler and all heating loops with a non-toxic antifreeze
          (propylene glycol) solution, isolating loops or bleeding in
          sequence to ensure proper flushing through the lines.  Verify
          that the existing solution has a freeze point of -30 degree F or
          lower.  Bleed all the vents in the system to ensure that all air
          has been voided from the system.
 
     5.   Ensure there is adequate protection to the boiler should the
          water pressure drop low.  If no protection exists, install a low
          water cut off switch on the boiler.
 
     6.   Return heating system to normal operating temperature and
          pressure.  Check entire system for proper operation.
 
     7.   Tape furnace electrical switch to the "ON" position.  Tape card
          above switch stating, "DO NOT REMOVE TAPE.  DO NOT TURN OFF".
 
F.   Swimming Pools/Hot Tubs/Jacuzzi
 
     1.   Swimming Pools - Pump out pool leaving 4 feet of water in the
          deep end (this amount will vary depending on your elevation).
          After pumping, apply chlorine to control the algae in the
          remaining water.  Circulate remaining water to mix chlorine.
          Isolate and drain pumps and filters.  Remove all trash from
          interior of pool and haul away.  **WARNING**  Check local area
          standards before draining pool.  In area where there is a high
          ground water level, removing too much water may cause pool uplift
          and damage the pool.
 
          If there is a pool cover present, secure and cover pool.  Check
          with state and local codes and verify whether the pool is
          required to be covered or merely fenced in.  If additional
          security is required, notify field office and request further
          instructions regarding any additional needed security for the
          tub/jacuzzi.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 19 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
          WINTERIZING CHECKLIST AND CERTIFICATION OF COMPLETION
                         NORTHWEST / ALASKA OFFICES
 
                    ___________________________________
                              Property Address
 
This property has been winterized in accordance with U.S. Department of
HUD, Northwest/Alaska Offices, 1995 requirements dated January 1, 1994.
All items checked have been performed on (date) ___________________ to
protect against damage by weather and the elements.
 
___  Water lines drained and blow free of water.
 
___  Dishwasher drained and blown out.
 
___  Hot water heater drained.
 
___  Water shut OFF at meter or exterior service valve.
 
___  Kitchen faucets turned to OFF position.
 
___  Bathroom faucets turned to OFF position.
 
___  Laundry area faucets turned to OFF position.
 
___  Exterior faucets turned to OFF position.
 
___  Non-toxic antifreeze in kitchen sink traps.
 
___  Non-toxic antifreeze in bathroom lavatory and tub traps.
 
___  Water closet reservoir drained.
 
___  Non-toxic antifreeze in water closet and reservoirs.
 
___  All hoses removed from exterior hose bibs.
 
___  Water heater breaker SAFETY WIRED to OFF position.
 
___  If hot water heating system is present, ensure integrity of the
     system.
 
___  Drain all evaporative air conditioners and any existing water lines.
 
I hereby certify that this work has been completed in accordance with
proper procedures and that damage to the systems as a result of improper
winterization shall be the responsibility of the contractor.
 
___________________________________     ___________________________________
Contractor Signature                    Contractor Address
 
___________________________________     ___________________________________
Contractor Telephone                    Date
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 20 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              (SAMPLE)
 
               NORTHWEST / ALASKA CONTRACTOR CERTIFICATION
 
            HYDRONIC (FORCED HOT WATER) HEATING - WATER LEFT ON
 
                         _________________________
                              WINTERIZED BY
 
                         _________________________
                                 ADDRESS
 
                         _________________________
                                  PHONE
 
                         _________________________
                                   DATE
 
NOT RESPONSIBLE FOR SYSTEMS DEWINTERIZED BY PARTIES OTHER THAN OURSELVES.
HEALTH DEPARTMENT TESTING MUST BE ACCOMPLISHED WITHOUT DEWINTERIZING
SYSTEMS.  HYDRONIC WATER SYSTEM IS FUNCTIONAL AND WINTERIZED IN ACCORDANCE
WITH THE 1995 SPECIFICATIONS OF THE DEPARTMENT OF HOUSING AND URBAN
DEVELOPMENT, NORTHWEST/ALASKA OFFICES.
 
I HEREBY CERTIFY THAT THIS WORK HAS BEEN COMPLETED IN ACCORDANCE WITH
PROPER PROCEDURES AND THAT DAMAGED TO THE SYSTEMS AS A RESULT OF IMPROPER
WINTERIZATION SHALL BE THE RESPONSIBILITY OF THE CONTRACTOR.
 
                    ___________________________________
                            CONTRACTOR SIGNATURE
 
                    ___________________________________
                      SERVICING MORTGAGEE SIGNATURE
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 21 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              (SAMPLE)
 
             NORTHWEST ALASKA CONTRACTOR CERTIFICATION
 
                         WATER SYSTEM SHUT OFF
 
                         _________________________
                              WINTERIZED BY
 
                         _________________________
                                 ADDRESS
 
                         _________________________
                                  PHONE
 
                         _________________________
                                   DATE
 
NOT RESPONSIBLE FOR SYSTEMS DEWINTERIZED BY PARTIES OTHER THAN OURSELVES.
HEALTH DEPARTMENT TESTING MUST BE ACCOMPLISHED WITHOUT DEWINTERIZING
SYSTEMS.  THE DOMESTIC WATER SYSTEM IS CUT OFF AND WINTERIZED IN ACCORDANCE
WITH THE 1995 SPECIFICATIONS OF THE DEPARTMENT OF HOUSING AND URBAN
DEVELOPMENT, NORTHWEST/ALASKA OFFICES.
 
I HEREBY CERTIFY THAT THIS WORK HAS BEEN COMPLETED IN ACCORDANCE WITH
PROPER PROCEDURES AND THAT DAMAGED TO THE SYSTEMS AS A RESULT OF IMPROPER
WINTERIZATION SHALL BE THE RESPONSIBILITY OF THE CONTRACTOR.
 
                    ___________________________________
                            CONTRACTOR SIGNATURE
 
                    ___________________________________
                      SERVICING MORTGAGEE SIGNATURE
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 7
                                                              Page 22 of 22
 
          WINTERIZATION SERVICE REQUIREMENTS AND COST SCHEDULE
 
                              (SAMPLE)
 
                 NORTHWEST / ALASKA CONTRACTOR CERTIFICATION
 
                 WATER AND ELECTRIC SERVICE BOTH DISCONNECTED
 
                         _________________________
                              WINTERIZED BY
 
                         _________________________
                                 ADDRESS
 
                         _________________________
                                  PHONE
 
                         _________________________
                                   DATE
 
THIS PROPERTY HAS BEEN WINTERIZED IN ACCORDANCE WITH 1995 SPECIFICATIONS OF
THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, NORTHWEST/ALASKA OFFICES.
DO NOT ATTEMPT TO RESTORE ELECTRICAL POWER OR WATER SERVICE UNTIL ALL
PLUMBING AND ELECTRICAL SYSTEMS HAVE BEEN INSPECTED.
 
I HEREBY CERTIFY THAT THIS WORK HAS BEEN COMPLETED IN ACCORDANCE WITH
PROPER PROCEDURES AND THAT DAMAGED TO THE SYSTEMS AS A RESULT OF IMPROPER
WINTERIZATION SHALL BE THE RESPONSIBILITY OF THE CONTRACTOR.
 
                    ___________________________________
                            CONTRACTOR SIGNATURE
 
                    ___________________________________
                      SERVICING MORTGAGEE SIGNATURE
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 8
                                                              (1 of 2)
 
               PHOTOGRAPH REQUIREMENTS AND COST SCHEDULE
 
     The cost of photographs will be allowed only to support expenses
beyond allowable cost limits and to support personal property/debris
removed as part of an eviction (unless otherwise specified in this
attachment).  If photographs cannot be produced at the time of the claim
review, all unsupported expenses beyond allowable cost limits will be
disallowed, and for evictions, all expenses claimed for personal
property/debris removal will be disallowed.  The cost of photographs is not
included in the maximum allowable limit per property.
 
===========================================================================
                                        Variation(s) From General
Location       Local HUD Office(s)             Requirements           Cost
___________________________________________________________________________
               Connecticut State,
               Massachusetts State,                             $2.50/photo
New England    New Hampshire State,
               Rhode Island State
___________________________________________________________________________
New York/New   Albany, Buffalo,
  Jersey       Camden, New Jersey State                           $2/photo
               (Newark*), New York State
               (New York City*)
___________________________________________________________________________
               District of Columbia,
               Maryland State,                                  $2.50/photo
Mid-Atlantic   Pennsylvania State
               (Philadelphia*),
               Pittsburgh,
               Virginia State,
               West Virginia State
___________________________________________________________________________
               Alabama State, Caribbean,  A limit of one        $1.50/photo
               Coral Gables, Georgia      before and one after
               State, Jacksonville,       photograph is required
               Kentucky State,            for all work performed
               Knoxville, Memphis,        by the preservation
               Mississippi State, North   and protection
               Carolina State, Orlando,   contractor (one before
               South Carolina State,      and one after photo
               Tampa, Tennessee           for each room or
               State (Nashville*)         outbuilding that has
Southeast/                                debris to be removed
  Caribbean                               is acceptable).
                                          Mortgagees will be
                                          reimbursed for no more
                                          than two before and
                                          two after photos for
                                          each lawn cut.
___________________________________________________________________________
 
                                                     MORTGAGEE LETTER 95-25
                                                              Attachment 8
                                                              (2 of 2)
 
===========================================================================
                                        Variation(s) From General
Location       Local HUD Office(s)             Requirements           Cost
___________________________________________________________________________
               Cincinnati, Cleveland,                            $1/photo
               Flint, Grand Rapids,
               Illinois State, Indiana
               State, Michigan State
Midwest        (Detroit*), Minnesota
               State, Ohio State
               (Columbus*), Wisconsin
               State
___________________________________________________________________________
               Arkansas State, Houston,                          $2/photo
               Louisiana State (New                              $20 max.
               Orleans*), Lubbock, New
               Mexico State, Oklahoma
Southwest      State (Oklahoma City*),
               San Antonio, Shreveport,
               Texas State (Ft. Worth*),
               Tulsa
___________________________________________________________________________
               Iowa State,                                      $1.00/photo
               Kansas/Missouri State
Great Plains   (Kansas City*),
               Nebraska State,
               St. Louis
___________________________________________________________________________
               Colorado State, Montana                           $2/photo
Rocky          State, North Dakota
  Mountains    State, Utah State
___________________________________________________________________________
               Arizona State              Before and after      $1.50/photo
               (Phoenix*), Fresno,        photos required
               Hawaii State, Los          for all P&P
               Angeles, Nevada State      services performed.
               (Las Vegas*), Reno,
               Sacramento, San Diego,
               Santa Ana, Tucson
Pacific/       ____________________________________________________________
  Hawaii       California State           Mortgagees will not
               (San Francisco*)           be reimbursed for
                                          photos unless
                                          otherwise instructed
                                          by the local HUD
                                          office.
___________________________________________________________________________
Northwest/     Alaska State, Idaho                               $1/photo
  Alaska       State, Oregon State,                              $10 max.
               Washington State
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                     Attachment 9
 
     REQUEST TO EXCEED COST LIMIT(S) FOR PRESERVATION AND PROTECTION
 
Department of Housing and Urban Development     Mortgagee Name and Address
 
___________________________________________     ___________________________
___________________________________________     ___________________________
___________________________________________     ___________________________
                                                ___________________________
 
Dear ____________________:
 
SUBJECT:  Request for Variance from Preservation and Protection Schedule
FHA Case No.: _____________________  Date of Vacancy: _____________________
Mtgee Loan No.: ___________________  Date of Frclsr. Deed/Trust. Sale:_____
Mortgagor's Name: _________________  Date Deed Recorded: __________________
Property Address: _________________  Expected Conveyance Date: ____________
                  _________________  Zip Code: ___________
 
Permission is requested to perform the following services (all applicable
estimates and required documentation are attached):
 
     Service              Cost                  Remarks
     ___________________  $___________________  ___________________________
     ___________________  $___________________  ___________________________
     ___________________  $___________________  ___________________________
(1)  TOTAL                $___________________  ___________________________
 
Preservation and Protection Costs Expended to Date (excluding inspections):
     Service              Cost                  (NOTE:  Expenses listed in
     ___________________  $___________________  item (2) must be consistent
     ___________________  $___________________  with HUD P&P limits
     ___________________  $___________________  and/or guidance and are
     ___________________  $___________________  subject to further
(2)  TOTAL                $___________________  verification.)
 
Submitted By: ________________________________  Title: ____________________
Signature:____________________________________  Phone: (___)_______________
[ ] Please fax your response to Fax No.: (___)__________________
 
===========================================================================
HUD APPROVAL/DISAPPROVAL:
 
     For the subject case, HUD authorizes additional expenditures for:
     o    debris removal up to a maximum of    $___________________________
     o    boarding up to a maximum of          $___________________________
     o    winterization up to a maximum of     $___________________________
     o    other: _________________________     $___________________________
(3)  Total Additional Expenditures Approved Not to Exceed:    $____________
(4)  Total Authorization Not To Exceed [item (2) + item (3)]: $____________
 
Date Mortgagee's Request Received: ________________________________________
Date of Approval: _________________________________________________________
Date of this Response: ____________________________________________________
Approved By: ______________________________________________________________
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 1 of 17
 
SECTION II.  POST ENDORSEMENT FEES AND CHARGES
 
     The Post Endorsement Fees and Charges established in this section are
considered to be reasonable and customary for the specified jurisdictions.
HUD has made a concerted effort to make the established fees and charges as
uniform as possible within certain geographical boundaries.  For quick
reference, most of the fees and charges set by HUD Headquarters have also
been included.  Additional guidance regarding post endorsement fees and
charges may be found in HUD Handbook 4330.1, REV-5, Administration of
Insured Home Mortgages.
 
     If you have any questions, please contact the local HUD Office (see
Section III).
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 2 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         New England Offices
 
===========================================================================
                                        LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                            New      Rhode
                              Connecticut  Massachusetts  Hampshire  Island
                                 State        State        State     State
___________________________________________________________________________
Substitution of Hazard           $10          $10          $10       $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $25          $25          $25       $25
an NSF.
___________________________________________________________________________
Modification of mortgage         $50          $50          $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100         $100         $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10          $10          $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10          $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10          $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15          $15          $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10          $10          $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5           $5           $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5           $5           $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20          $20          $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5           $5           $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5           $5           $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No           No        No
servicer's loan system.         Charge       Charge       Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No           No        No
and providing new coupon        Charge       Charge       Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 3 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                    New York / New Jersey Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                       New Jersey  New York
                               Albany  Buffalo  Camden   State      State
                                                       (Newark*)  (New York
                                                                    City*)
___________________________________________________________________________
Substitution of Hazard           $10     $10     $10      $10       $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $20     $20     $20      $20       $20
an NSF.
___________________________________________________________________________
Modification of mortgage         $50     $50     $50      $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100    $100    $100     $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15     $15     $15      $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10     $10     $10      $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5      $5      $5       $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5      $5      $5       $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20     $20     $20      $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5      $5      $5       $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5      $5      $5       $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No       No       No       No       No
servicer's loan system.         Charge   Charge   Charge   Charge   Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No       No       No       No       No
and providing new coupon        Charge   Charge   Charge   Charge   Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 4 of 17
                                                              (1 of 2)
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Mid-Atlantic Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                District                    Pennsylvania
                                   of          Maryland          State
                                Columbia        State       (Philadelphia*)
___________________________________________________________________________
Substitution of Hazard             $10            $10            $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing         $15            $15            $15
an NSF.
___________________________________________________________________________
Modification of mortgage           $50            $50            $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged     $110           $110           $110
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization       $15            $15            $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;       $10            $10            $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon        $5             $5             $5
books.
___________________________________________________________________________
Providing a payment history         $5             $5             $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a        $20            $20            $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end        $5             $5             $5
statements.
___________________________________________________________________________
Providing payoff statement by       $5             $5             $5
facsimile (upon request of
mortgagor).
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 4 of 17
                                                              (2 of 2)
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Mid-Atlantic Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                                West
                              Pittsburgh      Virginia        Virginia
                                                State           State
___________________________________________________________________________
Substitution of Hazard             $10            $10            $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing         $15            $15            $15
an NSF.
___________________________________________________________________________
Modification of mortgage           $50            $50            $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged     $110           $110           $110
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization       $15            $15            $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;       $10            $10            $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon        $5             $5             $5
books.
___________________________________________________________________________
Providing a payment history         $5             $5             $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a        $20            $20            $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end        $5             $5             $5
statements.
___________________________________________________________________________
Providing payoff statement by       $5             $5             $5
facsimile (upon request of
mortgagor).
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 5 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Mid-Atlantic Offices
                              (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                District                    Pennsylvania
                                   of          Maryland          State
                                Columbia        State       (Philadelphia*)
___________________________________________________________________________
Incorporating a borrower's
name change into the                No             No             No
servicer's loan system.           Charge         Charge         Charge
___________________________________________________________________________
Re-analyzing escrow accounts        No             No             No
and providing new coupon          Charge         Charge         Charge
books.
===========================================================================
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                                West
                              Pittsburgh      Virginia        Virginia
                                                State           State
___________________________________________________________________________
Incorporating a borrower's
name change into the                No             No             No
servicer's loan system.           Charge         Charge         Charge
___________________________________________________________________________
Re-analyzing escrow accounts        No             No             No
and providing new coupon          Charge         Charge         Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 6 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                      Southeast / Caribbean Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                              Alabama Caribbean Coral  Georgia Jacksonville
                               State            Gables  State
___________________________________________________________________________
Substitution of Hazard           $10     $10     $15      $10       $15
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $10     $10     $20      $15       $20
an NSF.
___________________________________________________________________________
Modification of mortgage         $50     $50     $50      $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100    $100    $100     $125      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15     $15     $15      $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10     $10     $10      $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5      $5      $5       $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5      $5      $5       $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20     $20     $20      $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5      $5      $5       $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5      $5      $5       $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No       No       No       No       No
servicer's loan system.         Charge   Charge   Charge   Charge   Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No       No       No       No       No
and providing new coupon        Charge   Charge   Charge   Charge   Charge
books.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 7 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                      Southeast / Caribbean Offices
                                (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE        _____________________________________________
                                                                      N.
                            Kentucky Knoxville Memphis Mississippi Carolina
                              State                        State   State
___________________________________________________________________________
Substitution of Hazard          $10      $10     $10      $7.50     $7.50
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing      $15      $15     $15      $15       $15
an NSF.
___________________________________________________________________________
Modification of mortgage        $50      $50     $50      $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged  $100     $100    $100     $100      $150
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the         $10      $10     $10      $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the         $10      $10     $10      $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the         $10      $10     $10      $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization    $15      $15     $15      $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;    $10      $10     $10      $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon     $5       $5      $5       $5        $5
books.
___________________________________________________________________________
Providing a payment history      $5       $5      $5       $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a     $20      $20     $20      $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end     $5       $5      $5       $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by    $5       $5      $5       $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the             No        No       No       No       No
servicer's loan system.        Charge    Charge   Charge   Charge   Charge
___________________________________________________________________________
Re-analyzing escrow accounts     No        No       No       No       No
and providing new coupon       Charge    Charge   Charge   Charge   Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 8 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                      Southeast / Caribbean Offices
                                (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                                Tennessee
                                Orlando   S. Carolina    Tampa    State
                                 State        State            (Nashville*)
___________________________________________________________________________
Substitution of Hazard           $10          $15         $10       $7.50
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $20          $20         $20       $15
an NSF.
___________________________________________________________________________
Modification of mortgage         $50          $50         $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100         $100        $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15          $15         $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10          $10         $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5           $5          $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5           $5          $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20          $20         $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5           $5          $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5           $5          $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 9 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                              Midwest Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                            Grand  Illinois
                              Cincinnati  Cleveland  Flint  Rapids   State
___________________________________________________________________________
Substitution of Hazard             $10      $10      $10      $10      $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing         $15      $20      $20      $20      $20
an NSF.
___________________________________________________________________________
Modification of mortgage           $50      $50      $50      $50      $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged     $100     $100     $150     $150     $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the            $10      $10      $10      $10      $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10      $10      $10      $10      $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10      $10      $10      $10      $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization       $15      $15      $15      $15      $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;       $10      $10      $10      $10      $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon        $5       $5       $5       $5       $5
books.
___________________________________________________________________________
Providing a payment history         $5       $5       $5       $5       $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a        $20      $20      $20      $20      $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end        $5       $5       $5       $5       $5
statements.
___________________________________________________________________________
Providing payoff statement by       $5       $5       $5       $5       $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the               No        No       No       No      No
servicer's loan system.          Charge    Charge   Charge   Charge  Charge
___________________________________________________________________________
Re-analyzing escrow accounts       No        No       No       No      No
and providing new coupon         Charge    Charge   Charge   Charge  Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 10 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                              Midwest Offices
                                (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                              Indiana  Michigan  Minnesota  Ohio  Wisconsin
                               State     State     State    State   State
                                       (Detroit*)        (Columbus*)
___________________________________________________________________________
Substitution of Hazard            $10      $10      $10      $10      $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing        $25      $20      $20      $20      $20
an NSF.
___________________________________________________________________________
Modification of mortgage          $50      $50      $50      $50      $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged    $100     $150     $100     $100     $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization      $15      $15      $15      $15      $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;      $10      $10      $10      $10      $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon       $5       $5       $5       $5       $5
books.
___________________________________________________________________________
Providing a payment history        $5       $5       $5       $5       $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a       $20      $20      $20      $20      $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end       $5       $5       $5       $5       $5
statements.
___________________________________________________________________________
Providing payoff statement by      $5       $5       $5       $5       $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No        No       No       No      No
servicer's loan system.         Charge    Charge   Charge   Charge  Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No        No       No       No      No
and providing new coupon        Charge    Charge   Charge   Charge  Charge
books.
===========================================================================
 
(*) Indicates previous name of office.
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 11 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                              Southwest Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                              Arkansas          Louisiana             New
                               State   Houston     State    Lubbock  Mexico
                                              (New Orleans*)          State
___________________________________________________________________________
Substitution of Hazard            $10      $10      $10      $10      $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing        $25      $25      $25      $25      $25
an NSF.
___________________________________________________________________________
Modification of mortgage          $50      $50      $50      $50      $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged    $110     $110     $110     $110     $110
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization      $15      $15      $15      $15      $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;      $10      $10      $10      $10      $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon       $5       $5       $5       $5       $5
books.
___________________________________________________________________________
Providing a payment history        $5       $5       $5       $5       $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a       $20      $20      $20      $20      $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end       $5       $5       $5       $5       $5
statements.
___________________________________________________________________________
Providing payoff statement by      $5       $5       $5       $5       $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No        No       No       No      No
servicer's loan system.         Charge    Charge   Charge   Charge  Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No        No       No       No      No
and providing new coupon        Charge    Charge   Charge   Charge  Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 12 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                              Southwest Offices
                                 (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                              Oklahoma                       Texas
                               State      San   Shreveport   State    Tulsa
                             (Oklahoma  Antonio              (Ft.
                                City*)                      Worth*)
___________________________________________________________________________
Substitution of Hazard            $10      $10      $10      $10      $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing        $25      $25      $25      $25      $25
an NSF.
___________________________________________________________________________
Modification of mortgage          $50      $50      $50      $50      $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged    $110     $110     $110     $110     $110
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the           $10      $10      $10      $10      $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization      $15      $15      $15      $15      $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;      $10      $10      $10      $10      $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon       $5       $5       $5       $5       $5
books.
___________________________________________________________________________
Providing a payment history        $5       $5       $5       $5       $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a       $20      $20      $20      $20      $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end       $5       $5       $5       $5       $5
statements.
___________________________________________________________________________
Providing payoff statement by      $5       $5       $5       $5       $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No        No       No       No      No
servicer's loan system.         Charge    Charge   Charge   Charge  Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No        No       No       No      No
and providing new coupon        Charge    Charge   Charge   Charge  Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 13 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Great Plains Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                        Kansas/Missouri
                                Iowa         State        Nebraska    St.
                                State   (Kansas City*)     State     Louis
___________________________________________________________________________
Substitution of Hazard           $10          $10         $10       $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $15          $15         $15       $15
an NSF.
___________________________________________________________________________
Modification of mortgage         $50          $50         $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100         $100        $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15          $15         $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10          $10         $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5           $5          $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5           $5          $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20          $20         $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5           $5          $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5           $5          $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 14 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Rocky Mountain Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                         North
                              Colorado      Montana      Dakota    Utah
                               State         State       State     State
___________________________________________________________________________
Substitution of Hazard          $10.50      $10.50       $10.50    $10.50
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $15          $15         $15       $15
an NSF.
___________________________________________________________________________
Modification of mortgage         $50          $50         $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100         $100        $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15          $15         $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10          $10         $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5           $5          $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5           $5          $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20          $20         $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5           $5          $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5           $5          $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 15 of 17
                                                              (1 of 2)
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Pacific / Hawaii Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                 Arizona
                                  State          Fresno         Hawaii
                                (Phoenix*)                       State
___________________________________________________________________________
Substitution of Hazard             $10            $10            $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing         $15            $15            $15
an NSF.
___________________________________________________________________________
Modification of mortgage           $50            $50            $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged     $100           $100           $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization       $15            $15            $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;       $10            $10            $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon        $5             $5             $5
books.
___________________________________________________________________________
Providing a payment history         $5             $5             $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a        $20            $20            $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end        $5             $5             $5
statements.
___________________________________________________________________________
Providing payoff statement by       $5             $5             $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 15 of 17
                                                              (2 of 2)
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Pacific / Hawaii Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                 Nevada
                                  State           Reno         Sacramento
                               (Las Vegas*)
___________________________________________________________________________
Substitution of Hazard             $10            $10            $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing         $15            $15            $15
an NSF.
___________________________________________________________________________
Modification of mortgage           $50            $50            $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged     $100           $100           $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the            $10            $10            $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization       $15            $15            $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;       $10            $10            $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon        $5             $5             $5
books.
___________________________________________________________________________
Providing a payment history         $5             $5             $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a        $20            $20            $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end        $5             $5             $5
statements.
___________________________________________________________________________
Providing payoff statement by       $5             $5             $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 16 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Pacific / Hawaii Offices
                                (continued)
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
                                                               California
                                San    Santa   Tucson   Los       State
                               Diego    Ana            Angeles    (San
                                                               Francisco*)
___________________________________________________________________________
Substitution of Hazard           $10     $10     $10      $10       $10
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $15     $15     $15      $15       $15
an NSF.
___________________________________________________________________________
Modification of mortgage         $50     $50     $50      $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $100    $100    $100     $100      $100
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10     $10     $10      $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15     $15     $15      $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10     $10     $10      $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5      $5      $5       $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5      $5      $5       $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20     $20     $20      $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5      $5      $5       $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5      $5      $5       $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No       No       No       No       No
servicer's loan system.         Charge   Charge   Charge   Charge   Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No       No       No       No       No
and providing new coupon        Charge   Charge   Charge   Charge   Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section II
                                                              Page 17 of 17
 
                    POST ENDORSEMENT FEES AND CHARGES
 
                         Northwest / Alaska Offices
 
===========================================================================
                                             LOCAL HUD OFFICE
     TYPE OF SERVICE          _____________________________________________
 
                                Alaska       Idaho      Oregon   Washington
                                 State       State       State     State
___________________________________________________________________________
Substitution of Hazard           $15          $15         $15       $15
Insurance Policy at other
than expiration of existing
policy, if not prohibited
by state law.
___________________________________________________________________________
Processing or reprocessing       $15          $20         $15       $15
an NSF.
___________________________________________________________________________
Modification of mortgage         $50          $50         $50       $50
involving a recorded agreement
for extension of the term or
re-amortization.
___________________________________________________________________________
Modification of the mortgaged   $125         $125        $125      $125
property; includes but is not
limited to:
 
 - Release of lot or acreage
   from the original secured
   parcel
 - Condemnation
 - Order-of-taking
 - Subordination or consent
   to Easement
 - Lot Line Dispute/Adjustment
 - Subdivision consent
 - Consent to Change in
   Covenants and Restrictions
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage or Deed of Trust;
ONLY if the copy is a
duplicate of what has already
been provided to the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
Mortgage Note; ONLY if the
copy is a duplicate of what
has already been provided to
the mortgagor.
___________________________________________________________________________
Providing a copy of the          $10          $10         $10       $10
settlement statement, gift
letters, and other documents;
other than those provided at
closing.
___________________________________________________________________________
Providing a new amortization     $15          $15         $15       $15
schedule; other than the
schedule provided at closing.
___________________________________________________________________________
Providing payoff statements;     $10          $10         $10       $10
(other than the initial
request).
NO CHARGE for the
first two (2) requests per
calendar year; then each
additional statement.
___________________________________________________________________________
Providing replacement coupon      $5           $5          $5        $5
books.
___________________________________________________________________________
Providing a payment history       $5           $5          $5        $5
to the mortgagor; other than
the current year and one
prior year.
___________________________________________________________________________
Verifying the mortgage to a      $20          $20         $20       $20
prospective creditor:  This
covers requests from other
lenders to verify the status
of an existing loan (typically
in connection with a refinance
application).  ONLY allowed
when the mortgagor has given
the present lender WRITTEN
AUTHORIZATION to release
information to the prospective
lender and to charge a fee.
___________________________________________________________________________
Providing duplicate year end      $5           $5          $5        $5
statements.
___________________________________________________________________________
Providing payoff statement by     $5           $5          $5        $5
facsimile (upon request of
mortgagor).
___________________________________________________________________________
Incorporating a borrower's
name change into the              No           No          No        No
servicer's loan system.         Charge       Charge      Charge    Charge
___________________________________________________________________________
Re-analyzing escrow accounts      No           No          No        No
and providing new coupon        Charge       Charge      Charge    Charge
books.
===========================================================================
 
(*)  Indicates previous name of office.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 1 of 7
                                                              (1 of 2)
 
SECTION III.   DIRECTORY OF LOCAL HUD OFFICES
 
New England
___________________________________________________________________________
 
Connecticut State Office                New Hampshire State Office
 
330 Main Street, First Floor            Norris Cotton Federal Building
Hartford, CT 06106-1860                 275 Chestnut Street
Telephone No.: (203) 240-4553           Manchester, NH 03101-2487
Fax No.:       (203) 240-4549           Telephone No.: (603) 666-7685
                                        Fax No.:       (603) 666-7736
 
Massachusetts State Office
 
Thomas P. O'Neill, Jr.                  Rhode Island State Office
  Federal Bldg.
10 Causeway Street, Room 375            10 Weybosset Street, Sixth Floor
Boston, MA 02222-1092                   Providence, RI 02903-3234
Telephone No.: (617) 565-5400*          Telephone No.: (401) 528-5351
               (617) 565-5447**         Fax No.:       (401) 528-5312
Fax No.:       (617) 565-6557
 
New York / New Jersey
___________________________________________________________________________
 
Albany Office                           New Jersey State Office
 
52 Corporate Circle                     (f.k.a. Newark)
Albany, NY 12203-5121                   One Newark Center, 13th Floor
Telephone No.: (518) 464-4205           Newark, NJ 07102-5260
Fax No.:       (518) 464-4300           Telephone No.: (201) 622-7900
                                        Fax No.:       (201) 645-2241
 
Buffalo Office                          New York State Office
 
Lafayette Court                         (f.k.a. New York City)
465 Main Street, Fifth Floor            26 Federal Plaza
Buffalo, NY 14203-1780                  New York, NY 10278-0068
Telephone No.: (716) 846-3237*          Telephone No.: (212) 264-0777
               (716) 846-4550**         Fax No.:       (212) 264-1277
Fax No.:       (716) 846-5752
 
Camden Office
 
Hudson Building
800 Hudson Square, Second Floor
Camden, NJ 08102-1156
Telephone No.: (609) 757-5096*
               (609) 757-5091**
Fax No.:       (609) 757-5373
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 1 of 7
                                                              (2 of 2)
 
SECTION III.   DIRECTORY OF LOCAL HUD OFFICES
 
Mid-Atlantic
___________________________________________________________________________
 
District of Columbia Office             Pittsburgh Office
 
820 First Street, NE                    412 Old Post Office
Washington, D.C. 20002-4205               Courthouse Building
Telephone No.: (202) 275-7471*          7th and Grant Street
               (202) 275-4912**         Pittsburgh, PA 15219-1906
(For P&P concerns, contact Mark         Telephone No.: (412) 644-6525
 McMillon, ext. 3067)                   Fax No.:       (412) 644-6499
Fax No.:       (202) 275-0779
 
Maryland State Office                   Virginia State Office
 
City Crescent Building                  The 3600 Centre
10 South Howard Street, Fifth Floor     3600 West Broad Street
Baltimore, MD 21201-2505                P.O. Box 90331
Telephone No.: (410) 962-2520           Richmond, VA 23230-0331
Fax No.:       (410) 962-4947           Telephone No.: (804) 278-4530*
                                                       (804) 278-4521**
                                        Fax No.:       (804) 278-4615
 
Pennsylvania State Office               West Virginia State Office
 
(f.k.a. Philadelphia)                   Kanawha Valley Building
The Wanamaker Building                  405 Capitol Street, Suite 708
100 Penn Square East                    Charleston, WV 25301-1795
Philadelphia, PA 19107-3390             Telephone No.: (304) 347-7064
Telephone No.: (215) 656-0508*          Fax No.:       (304) 347-7050
               (215) 656-0548**
Fax No.:       (215) 656-3427
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 2 of 7
                                                              (1 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Southeast/Caribbean
___________________________________________________________________________
 
Alabama State Office                    Kentucky State Office
 
Beacon Ridge Tower                      601 West Broadway
600 Beacon Parkway West, Suite 300      P.O. Box 1044
Birmingham, AL 35209-3144               Louisville, KY 40201-1044
Telephone No.: (205) 290-7607*          Telephone No.: (502) 582-6255*
               (205) 290-7586**                        (502) 582-5818**
Fax No.:       (205) 290-7502           Fax No.:       (502) 582-6549
 
Caribbean Office                        Knoxville Office
 
New San Juan Office Building            John J. Duncan Federal Building
159 Carlos E. Chardon Avenue            710 Locust Street, Third Floor
San Juan, PR 00918-1804                 Knoxville, TN 37902-2526
Telephone No.: (809) 766-6287           Telephone No.: (615) 545-4410*
Fax No.:       (809) 766-5522                          (615) 545-4405**
                                        Fax No.:       (615) 545-4555
 
Coral Gables Office                     Memphis Office
 
Gables 1 Tower                          One Memphis Place
1320 South Dixie Highway                200 Jefferson Avenue, Suite 1200
Coral Gables, FL 33146-2911             Memphis, TN 38103-2335
Telephone No.: (305) 662-4530*          Telephone No.: (901) 544-3268*
               (305) 662-4540**                        (901) 544-4201**
Fax No.:       (305) 662-4584            Fax No.:      (901) 544-3697
 
Georgia State Office                    Mississippi State Office
 
Richard B. Russell Federal Building     Doctor A. H. McCoy Fed. Bldg.
75 Spring Street, S.W.                  100 West Capitol Street, Room 910
Atlanta, GA 30303-3388                  Jackson, MS 39269-1016
Telephone No.: (404) 331-4127           Telephone No.: (601) 965-4719*
Fax No.:       (404) 730-2364                          (601) 965-4721**
                                        Fax No.:       (601) 965-4995
 
Jacksonville Office                     North Carolina State Office
 
Southern Bell Tower                     Koger Building
301 West Bay Street, Suite 2200         2306 West Meadowview Road
Jacksonville, FL 32202-5121             Greensboro, NC 27407-3707
Telephone No.: (904) 232-1983           Telephone No.: (910) 547-4080*
Fax No.:       (904) 232-3759                          (910) 547-4035**
                                        Fax No.:       (910) 547-4015
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Section III
                                                              Page 2 of 7
                                                              (2 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Southeast/Caribbean
___________________________________________________________________________
 
Orlando Office
 
Langley Building
3751 Maguire Boulevard, Suite 270
Orlando, FL 32803-3032
Telephone No.: (407) 648-6446*
               (407) 648-6851**
Fax No.:       (407) 648-6640
 
South Carolina State Office
 
Strom Thurmond Federal Bldg.
1835 Assembly Street
Columbia, SC 29201-2480
Telephone No.: (803) 765-5466*
               (803) 765-5915**
Fax No.:       (803) 253-3429
 
Tampa Office
 
Timberlake Federal Bldg. Annex
501 East Polk Street, Suite 700
Tampa, FL 33602-3945
Telephone No.: (813) 228-2470*
               (813) 228-2526**
Fax No.:       (813) 228-2431
 
Tennessee State Office
 
(f.k.a. Nashville)
251 Cumberland Bend Dr, Suite 200
Nashville, TN 37228-1803
Telephone No.: (615) 736-5365
Fax No.:       (615) 736-2018
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 3 of 7
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Midwest
___________________________________________________________________________
 
Cleveland Office                        Indiana State Office
 
Renaissance Building                    151 North Delaware Street
1350 Euclid Avenue, Suite 500           Indianapolis, IN  46204-2526
Cleveland, OH 44115-1815                Telephone No.: (317) 226-7654*
Telephone No.: (216) 522-3302*                         (317) 226-6084**
               (216) 522-7575**         Fax No.:       (317) 226-6317
Fax No.:       (216) 522-2975
 
Cincinnati Office                       Michigan State Office
 
525 Vine Street                         (f.k.a. Detroit)
Cincinnati, OH 45202-3188               Patrick V. McNamara Federal Bldg.
Telephone No.: (513) 684-2714           477 Michigan Avenue
Fax No.:       (513) 684-6224           Detroit, MI 48226-2592
                                        Telephone No.: (313) 226-4897*
                                                       (313) 226-4817**
                                        Fax No.:       (313) 226-6740
 
Flint Office                            Minnesota State Office
 
The Federal Building                    220 Second Street, South
605 North Saginaw, Suite 200            Minneapolis, MN 55401-2195
Flint, MI 48502-2043                    Telephone No.: (612) 370-3100*
Telephone No.: (810) 766-5110                          (612) 370-3095*
Fax No.:       (810) 766-5122           Fax No.:       (612) 370-3046*
 
Grand Rapids Office                     Ohio State Office
 
2922 Fuller Avenue N.E.                 (f.k.a. Columbus)
Grand Rapids, MI 49505-3409             200 North High Street
Telephone No.: (616) 456-2137*          Columbus, OH 43215-2499
               (616) 456-2133**         Telephone No.: (614) 469-5536*
Fax No.:       (616) 456-2191                          (614) 469-6906**
                                        Fax No.:       (614) 469-2432
 
Illinois State Office                   Wisconsin State Office
 
Ralph H. Metcalfe Federal Building      Henry S. Reuss Federal Plaza
77 West Jackson Boulevard               310 West Wisconsin Ave., Suite 1380
Chicago, IL 60604-3507                  Milwaukee, WI 53203-2289
Telephone No.: (312) 886-9762           Telephone No.: (414) 297-3156
Fax No.:       (312) 886-9763           Fax No.:       (414) 297-3947
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 4 of 7
                                                              (1 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Southwest
___________________________________________________________________________
 
Arkansas State Office                   New Mexico State Office
 
TCBY Tower                              625 Truman Street, NE
425 West Capitol Ave, Suite 900         Albuquerque, NM 87110-6443
Little Rock, AR 72201-3488              Telephone No.: (505) 262-6269
Telephone No.: (501) 324-5283*          Fax No.:       (505) 262-6604
               (501) 324-6148**
Fax No.:       (501) 324-5900
 
Houston Office                          Oklahoma State Office
 
Norfolk Tower                           (f.k.a. Oklahoma City)
2211 Norfolk, Suite 200                 500 West Main, Suite 400
Houston, TX 77098-4096                  Oklahoma City, OK 73102
Telephone No.: (713) 834-3289           Note: Until further notice, Prop.
Fax No.:       (713) 834-3496           Disp. and Loan Mngmnt. functions
                                        are being handled by the Tulsa
                                        office.
 
Louisiana State Office                  San Antonio Office
 
(f.k.a. New Orleans)                    Washington Square
Ninth Floor                             800 Dolorosa Street
Hale Boggs Federal Bldg.                San Antonio, TX 78207-4563
501 Magazine Street                     Telephone No.: (210) 229-6755*
New Orleans, LA 70130-3099                             (210) 229-6983**
Telephone No.: (504) 589-7266*          Fax No.:       (210) 229-4984
               (504) 589-7243**
Fax No.:       (504) 589-3123
 
Lubbock Office                          Shreveport Office
 
George H. Mahon Federal Building        401 Edwards Street, Suite 1510
and United States Courthouse           Shreveport, LA 71101-3107
1205 Texas Avenue                       Telephone No.: (318) 676-3402*
Lubbock, TX 79401-4093                                 (318) 676-3396**
Telephone No.: (806) 743-7276*          Fax No.:       (318) 676-3408
               (806) 743-7262**
Fax No.:       (806) 743-7275
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Section III
                                                              Page 4 of 7
                                                              (2 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Southwest
___________________________________________________________________________
 
Texas State Office
 
(f.k.a. Fort Worth)
1600 Throckmorton
Post Office Box 2905
Forth Worth, Tx 76113-2905
Telephone No.: (817) 885-6254
Fax No.:       (817) 885-5466
 
Tulsa Office
 
50 East 15th Street
Tulsa, OK 74119-4030
Telephone No.: (918) 581-7451*
               (918) 581-7158**
Fax No.:       (918) 581-7440
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 5 of 7
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Great Plains
___________________________________________________________________________
 
Iowa State Office                       Nebraska State Office
 
Federal Building                        Executive Tower Centre
210 Walnut Street, Room 239             10909 Mill Valley Road
Des Moines, IA 50309-2155               Omaha, NE 68154-3955
Telephone No.: (515) 284-4840           Telephone No.: (402) 492-3135
Fax No.:       (515) 284-4743           Fax No.:       (402) 492-3150
 
Kansas/Missouri State Office            St. Louis Office
 
(f.k.a. Kansas City)                    Robert A. Young Federal Bldg.
Gateway Tower II                        1222 Spruce Street, Third Floor
400 State Avenue                        St. Louis, MO 63103-2836
Kansas City, KS 66101-2406              Telephone No.: (314) 539-6585*
Telephone No.: (913) 551-6864*                         (314) 539-6278**
               (913) 551-6838**         Fax No.:       (314) 539-6575
Fax No.        (913) 551-5468
 
Rocky Mountains
___________________________________________________________________________
 
Colorado State Office                   North Dakota State Office
 
First Interstate Tower North            Federal Building
633 - 17th Street                       653 2nd Avenue, Room 366
Denver, CO 80202-3607                   Fargo, ND 58108-2483
Telephone No.: (303) 672-5313*          Telephone No.: (701) 239-5136
               (303) 672-5402**         Fax No.:       (701) 783-5249
Fax No.:       (303) 672-5071
 
Montana State Office                    Utah State Office
 
Federal Office Building                 257 Tower Building
301 South Park, Room 340                257 East - 200 South, Suite 550
Drawer 10095                            Salt Lake City, UT 84111-2048
Helena, MT 59626-0095                   Telephone No.: (801) 524-5241
Telephone No.: (406) 449-5205           Fax No.:       (801) 588-6701
Fax No.:       (406) 449-5207
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 6 of 7
                                                              (1 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Pacific/Hawaii
___________________________________________________________________________
 
Arizona State Office                    Los Angeles Office
 
(f.k.a. Phoenix)                        1615 West Olympic Boulevard
Two Arizona Center                      Los Angeles, CA 90015-3801
400 North Fifth Street, Suite 1600      Telephone No.: (213) 251-7030
Phoenix, AZ 85004-2361                  Fax No.:       (213) 251-7096
Telephone No.: (602) 379-6704
Fax No.:       (602) 379-3985
 
California State Office                 Nevada State Office
 
(f.k.a. San Francisco)                  (f.k.a. Las Vegas)
Phillip Burton Federal Building         1500 East Tropicana Ave., Suite 205
  and U.S. Courthouse                   Las Vegas, NV 89119-6516
450 Golden Gate Avenue                  Telephone No.: (702) 388-6500
P.O. Box 36003                          Fax No.:       (702) 388-6736
San Francisco, CA 94102-3448
Telephone No.: (415) 556-3880
Fax No.:       (415) 556-8500
 
Fresno Office                           Reno Office
 
1630 East Shaw Avenue, Suite 138        1575 Delucchi Lane, Suite 114
Fresno, CA 93710-8193                   Reno, NV 89502-6581
Telephone No.: (209) 487-5032           Telephone No.: (702) 784-5388
Fax No.:       (209) 487-5344           Fax No.:       (702) 784-5066
 
Hawaii State Office                     Sacramento Office
 
Seven Waterfront Plaza                  777 - 12th Street, Suite 200
500 Ala Moana Boulevard, Suite 500      Sacramento, CA 95814-1997
Honolulu, HI 96813-4918                 Telephone No.: (916) 498-5240
Telephone No.: (808) 522-8190           Fax No.:       (916) 498-5247
Fax No.:       (808) 522-8194
 
                                                     MORTGAGEE LETTER 95-25
 
                                                              Section III
                                                              Page 6 of 7
                                                              (2 of 2)
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Pacific/Hawaii
___________________________________________________________________________
 
San Diego Office
 
Mission City Corporate Center
2365 Northside Drive, Suite 300
San Diego, CA 92108-2712
Telephone No.: (619) 557-2608
Fax No.:       (619) 557-6296
 
Santa Ana Office
 
3 Hutton Centre Dr., Suite 500
Santa Ana, CA 92707-5764
Telephone No.: (714) 957-7367*
               (714) 957-7362**
Fax No.:       (714) 957-1902
 
Tucson Office
 
Security Pacific Bank Plaza
33 North Stone Avenue, Suite 700
Tucson, AZ 85701-1467
Telephone No.: (602) 670-6000
Fax No.:       (602) 670-6207
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25
                                                              Section III
                                                              Page 7 of 7
 
                    DIRECTORY OF LOCAL HUD OFFICES
 
Northwest/Alaska
___________________________________________________________________________
 
Alaska State Office                     Oregon State Office
 
University Plaza Building               520 Southwest Sixth Avenue
949 East 36th Avenue, Suite 401         Portland, OR 97204-1596
Anchorage, AK 99508-4399                Telephone No.: (503) 326-3028
Telephone No.: (907) 271-4610           Fax No.:       (503) 326-3097
Fax No.:       (907) 271-3667
 
Idaho State Office                      Washington State Office
 
Plaza IV                                Seattle Federal Office Building
800 Park Boulevard, Suite 220           909 1st Avenue, Suite 200 OA HMP
Boise, ID 83712-7743                    Seattle, WA 98104-1000
Telephone No.: (208) 334-1886           Telephone No.: (206) 220-5235
Fax No.:       (208) 334-9648                                ext. 3272
                                        Fax No.:       (206) 220-5247
 
                                        Contact Person:  Glen Schmidt
 
                                        Note:  The Washington State Office
                                        has jurisdiction over all
                                        properties located in the State
                                        of Washington.
 
(*)  Indicates number to be called for questions regarding property
     preservation and protection.
 
(**) Indicates number to be called for questions regarding post endorsement
     fees and charges.
 
                                                     MORTGAGEE LETTER 95-25