HB-1-3550 

ACRONYMS USED IN THIS HANDBOOK 

ACE Active Corps of Executives 

ADR Alternative Dispute Resolution 

ARM Adjusted Rate Mortgage 

BPA Blank Purchase Agreement 

CO Contracting Officer 

CBMC Community-Based Mediation Center 

CBRA Coastal Barrier Resources Act 

CBRS Coastal Barrier Resources System 

CFPB Consumer Financial Protection Bureau 

CFR Code of Federal Regulations 

COLA Cost of Living Adjustment 

COR Contracting Officer Representative 

CRA Community Reinvestment Act 

DLOS Dedicated Loan Origination and Servicing System 

DNP Do Not Pay portal 

DSS Decent, Safe, and Sanitary 

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Acronyms, Page 1of 4 

(01-23-03) SPECIAL PN 

Revised (03-15-19) PN522 
HB-1-3550 

EA Environmental Assessment 

ECOA Equal Credit Opportunity Act 

EIR Equivalent Interest Rate 

EIS Environmental Impact Statement 

EPA Environmental Protection Agency 

FEMA Federal Emergency Management Agency 

FHA Federal Housing Administration 

FMHCSS Federal Manufactured Home Construction and Safety Standards 

GRH Guaranteed Rural Housing 

HHS Health and Human Services 

HUD Department of Housing and Urban Development 

INA Immigration and Nationality Act 

IRA Individual Retirement Account 

IRS Internal Revenue Service 

LTV Loan-to-Value Ratio 

MCC Mortgage Credit Certificates 

MLS Multiple Listing Service 

MSA Metropolitan Statistical Area 

NAD National Appeals Division 

NEPA National Environmental Policy Act 

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Acronyms, Page 2 of 4 
HB-1-3550 

NFAOC National Financial and Accounting Operations Center 

NFIP National Flood Insurance Program 

NRCS Natural Resources Conservation Service 

NWA NeighborWorks America 

NFHC National Federation of Housing Counselors 

NAIHC National American Indian Housing Council 

NOFA Notice of Funding Availability 

OGC Office of General Counsel 

OIG Office of Inspector General 

PI Principal and Interest 

PITI Principal, Interest, Taxes, and Insurance 

PUD Planned Unit Development 

RD Rural Development 

REO Real Estate Owned 

RESPA Real Estate and Settlement Procedures Act 

RH Rural Housing 

RHS Rural Housing Service 

SBA Small Business Administration 

SCORE Service Corps of Retired Executives 

SF Standard Form 

SFH Single Family Housing 

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Acronyms, Page 3 of 4 

(01-23-03) SPECIAL PN 

Revised (03-15-19) PN522 
HB-1-3550 

SFHA Special Flood Hazard Area 

SHFA State Housing Finance Agency 

SHPO State Historic Preservation Officer 

SPM Servicing and Property Management 

SOW Statement of Work 

TD Total Debt 

TDD Telecommunications Device for the Deaf 

TMCR Tri-Merge Credit Report 

TRID Truth in Lending Act and Real Estate Settlement Procedures Act Integrated Mortgage 

Disclosures 

TSR Title Status Report 

TSQ Transaction Screen Questionnaire 

U.S.C. United States Code 

USPAP Uniform Standards of Professional Appraisal Practice 

USDA United States Department of Agriculture 

USFWS U.S. Fish and Wildlife Service 

VA Department of Veterans Affairs 

VISTA Volunteers in Service to America 

WWD Water and Waste Disposal 

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Acronyms, Page 4 of 4