51506 Federal Register / Vol. 73, No. 171 / Wednesday, September 3, 2008 / Notices 

The upfront and annual premiums on 

mortgages for which new FHA case 

number assignments are made on or 

after October 1, 2008 and before October 

1, 2009, are as follows: 

Upfront Premiums: FHA will charge 

an upfront premium in an amount equal 

to the following percentages of the 

mortgage: 

• Purchase Money Mortgages and 

Full-Credit Qualifying Refinances = 1.75 

Percent 

• Streamline Refinances (all types) = 

1.50 Percent 

• FHASecure (Delinquent 

Mortgagors) = 3.00 Percent. 

Annual Premiums: An annual 

premium, shown in basis points below, 

to be remitted on a monthly basis, will 

also be charged based on the initial 

loan-to-value ratio and length of the 

mortgage (except for FHASecure 

delinquent mortgages) according to the 

following schedule: 

• Purchase Money Mortgages, FullQualifying Refinances, and Streamline 

Refinances: 

LTV Annual for Loans 

>15 years LTV Annual for Loans ≤15 years 

≤95 ........................................................................ 50 ≤90 ........................................................................ None 

>95 ........................................................................ 55 >90 ........................................................................ 25 

• FHASecure (delinquent 

mortgagors): 

LTV Annual 

(all loan terms) 

≤95 ................................ 50 

>95 ................................ 55 

FHA will issue another notice that 

will formally advise when the 

moratorium is concluded and the 

premium pricing structure that should 

be followed once the moratorium ends. 

V. Additional Premium Pricing 

Requirements 

All FHA-approved mortgagees must 

begin to modify their systems and 

procedures to be in compliance with the 

following additional requirements 

applicable to any mortgages for which 

new FHA case number assignments are 

made on or after October 1, 2008 and 

before October 1, 2009: 

1. The LTV ratio, computed to two 

decimals (e.g., 95.65) is calculated by 

dividing the mortgage amount prior to 

adding on any upfront mortgage 

insurance premium by the property’s 

sale price or appraised value, whichever 

is lower. 

2. Borrowers who have decision credit 

scores below 500 must have loan-tovalue ratios less than 90 percent to 

qualify for an FHA-insured mortgage. 

3. A ‘‘decision credit score’’ is 

determined for each applicant according 

to the following guidelines: when three 

scores are available (one from each 

national consumer reporting agency: 

Equifax, TransUnion, and Experian), 

the middle value is used; when only 

two are available, the lesser of the two 

is chosen; when only one is available, 

then that score is used. If more than one 

individual is applying for the same 

mortgage, the lender should determine 

the decision credit score for each 

individual borrower and then use the 

lowest score to determine the final 

decision credit score for the application. 

4. All borrowers with eligible decision 

credit scores must be scored by TOTAL. 

5. The premium rates established in 

this notice apply to those forward 

mortgages insured under FHA’s Mutual 

Mortgage Insurance (MMI) fund, the 

Section 203(k) rehabilitation mortgage 

insurance program, and individual 

condominium units insured under 

Section 234(c). The premiums in this 

notice do not apply to mortgages 

insured under Title I of the National 

Housing Act, nor to reverse mortgages 

under FHA’s Home Equity Conversion 

Mortgage (HECM) program. The 

premiums in this notice also do not 

apply to Section 223(e) (declining 

neighborhoods), Section 238(c) (military 

impact areas in Georgia and New York), 

Section 247 (Hawaiian Homelands), and 

Section 248 (Indian Reservations). 

Dated: August 26, 2008. 

Brian D. Montgomery, 

Assistant Secretary for Housing—Federal 

Housing Commissioner. 

[FR Doc. E8–20299 Filed 9–2–08; 8:45 am] 

BILLING CODE 4210–67–P 

DEPARTMENT OF THE INTERIOR 

Fish and Wildlife Service 

[FWS–R3–R–2008–N00168; 30136–1265– 

0000–S3] 

Seney National Wildlife Refuge, 

Schoolcraft County, MI 

AGENCY: Fish and Wildlife Service, 

Interior. 

ACTION: Notice of availability: draft 

comprehensive conservation plan and 

environmental assessment; request for 

comments. 

SUMMARY: We, the U.S. Fish and 

Wildlife Service (Service), announce the 

availability of a draft comprehensive 

conservation plan (CCP) and draft 

environmental assessment (EA) for 

Seney National Wildlife Refuge (NWR) 

for public review and comment. In this 

draft CCP/EA, we describe how we 

propose to manage the refuge for the 

next 15 years. 

DATES: To ensure consideration, we 

must receive your written comments by 

October 8, 2008. An open house style 

meeting will be held during the 

comment period to receive comments 

and provide information on the draft 

plan. Special mailings, newspaper 

articles, Internet postings, and other 

media announcements will inform 

people of the meetings and 

opportunities for written comments. 

ADDRESSES: Send your comments or 

requests for more information by any of 

the following methods. You may also 

drop off comments in person at Seney 

NWR. 

• Agency Web site: View or download 

a copy of the document and comment at 

http://www.fws.gov/midwest/planning/ 

Seney. 

• E-mail: r3planning@fws.gov. 

Include ‘‘Seney Draft CCP/EA’’ in the 

subject line of the message. 

• Fax: 906–586–3800. 

• Mail: Refuge Manager, Seney 

National Wildlife Refuge, 1674 Refuge 

Entrance Road, Seney, MI 49883–9501. 

FOR FURTHER INFORMATION CONTACT: 

Tracy Casselman, 906–586–9851 Ext 11. 

SUPPLEMENTARY INFORMATION: 

Introduction 

With this notice, we continue the CCP 

process for Seney NWR, which was 

started with the notice of intent we 

published in the Federal Register on 

April 21, 2006 (71 FR 20722). For more 

about the initial process and the history 

of this refuge, see that notice. Seney 

NWR was established in 1935 by 

Executive Order under the Migratory 

Bird Conservation Act for the protection 

and production of migratory birds and 

other wildlife. The Refuge encompasses 

approximately 95,238 acres; of this area, 

25,150 acres comprise the Seney 

Wilderness Area, in which is contained 

the Strangmoor Bog National Natural 


sroberts on PROD1PC70 with NOTICES
Federal Register / Vol. 73, No. 171 / Wednesday, September 3, 2008 / Notices 51507 

Landmark. The Refuge is also 

responsible for the 33-acre Whitefish 

Point Unit, a former Coast Guard Station 

at Whitefish Point, in Chippewa County. 

The CCP Process 

The National Wildlife Refuge System 

Administration Act of 1966, as amended 

by the National Wildlife Refuge System 

Improvement Act of 1997 (16 U.S.C. 

668dd–668ee), requires us to develop a 

comprehensive conservation plan for 

each national wildlife refuge. The 

purpose in developing a CCP is to 

provide refuge managers with a 15-year 

strategy for achieving refuge purposes 

and contributing toward the mission of 

the National Wildlife Refuge System, 

consistent with sound principles of fish 

and wildlife management, conservation, 

legal mandates, and our policies. In 

addition to outlining broad management 

direction on conserving wildlife and 

their habitats, plans identify wildlifedependent recreational opportunities 

available to the public, including 

opportunities for hunting, fishing, 

wildlife observation, wildlife 

photography, and environmental 

education and interpretation. 

CCP Alternatives and Our Preferred 

Alternative 

Priority Issues 

During the public scoping process, 

we, other governmental partners, and 

the public identified several priority 

issues, which include habitat 

management, invasive and exotic 

species, and demand for additional 

visitor services. To address these issues, 

we developed and evaluated the 

following alternatives during the 

planning process. 

Alternative 1, Current Management 

Direction of Opportunistic 

Conservation, Restoration, and 

Preservation (No Action) 

The current management direction of 

Seney NWR would be maintained under 

this alternative. For NEPA purposes, 

this is referred to as the ‘‘No Action’’ 

alternative, a misnomer as some changes 

will occur over the next 15 years. 

Management includes conservation, 

restoration and preservation but occurs 

opportunistically as budgets allow. 

Some programs, especially 

environmental education and outreach, 

would see improvements only if budgets 

increase in the future. 

Alternative 2: Management Gradient of 

Conservation Emphasis (Unit 1), to 

Conservation-Restoration Emphasis 

(Unit 2), to Restoration-Preservation 

Emphasis (Unit 3) and Wilderness 

Preservation (Unit 4) (Preferred 

Alternative) 

Alternative 2 would segment the 

Refuge into four general units and apply 

a management strategy to each unit. The 

units would follow a general gradient of 

management from low intensity 

(wilderness) to higher manipulation 

(managed impoundments and visitor 

use). Some high and low intensity 

management actions would occur in all 

units. Wildlife needs always receive 

priority when in conflict with visitor 

services. 

Alternative 3: Management to 

Emphasize Historic Patterns and 

Processes through Restoration and 

Preservation (All Anthropogenic 

Habitats Removed in Units 2 and 3), 

and Wilderness Preservation (Unit 4) 

Alternative 3 would include the 

Refuge striving to manage its forests and 

water to allow unfettered succession to 

take place. Dynamic events such as 

windstorms, insect and tree disease 

outbreaks, flooding and wildfire would 

play a more substantial role in shaping 

habitats. Natural events may lead to 

limitation or closure of some exiting 

visitor use areas or services. However, 

crucial Refuge infrastructure such as 

roads and dikes would be protected 

from or repaired after destructive 

circumstances. 

Public Meeting 

We will give the public an 

opportunity to provide comments at a 

public meeting. You may obtain the 

schedule from the addresses listed in 

this notice (see ADDRESSES). You may 

also submit comments anytime during 

the comment period. 

Public Availability of Comments 

Before including your address, phone 

number, e-mail address, or other 

personal identifying information in your 

comment, you should know that your 

entire comment—including your 

personal identifying information—may 

be made publicly available at any time. 

While you may ask us in your comment 

to withhold your personal identifying 

information from public review, we 

cannot guarantee that we will be able to 

do so. 

Dated: July 22, 2008. 

Charles M. Wooley, 

Acting Regional Director, U.S. Fish and 

Wildlife Service, Fort Snelling, Minnesota. 

[FR Doc. E8–20351 Filed 9–2–08; 8:45 am] 

BILLING CODE 4310–55–P 

DEPARTMENT OF THE INTERIOR 

Bureau of Land Management 

[F–14938–A, F–14938–B, and F–14938–D; 

AK–962–1410–HY–P] 

Alaska Native Claims Selection 

AGENCY: Bureau of Land Management, 

Interior. 

ACTION: Notice of decision approving 

lands for conveyance. 

SUMMARY: As required by 43 CFR 

2650.7(d), notice is hereby given that an 

appealable decision approving lands for 

conveyance pursuant to the Alaska 

Native Claims Settlement Act will be 

issued to St. Michael Native 

Corporation. The lands are in the 

vicinity of St. Michael, Alaska, and are 

located in: 

Lot 2, U.S. Survey No. 12417, Alaska 

Containing 54.85 acres. 

Kateel River Meridian, Alaska 

T. 24 S., R. 15 W., 

Secs. 1 and 12. 

Containing 1,280.00 acres. 

T. 23 S., R. 17 W., 

Sec. 18. 

Containing 1.17 acres. 

T. 24 S., R. 18 W., 

Secs. 6, 7, and 8; Sec. 15; Secs. 17 to 22, 

inclusive. 

Containing 5,646.37 acres. 

Aggregating 6,982.39 acres. 

The subsurface estate in these lands 

will be conveyed to Bering Straits 

Native Corporation when the surface 

estate is conveyed to St. Michael Native 

Corporation. Notice of the decision will 

also be published four times in the 

Nome Nugget. 

DATES: The time limits for filing an 

appeal are: 

1. Any party claiming a property 

interest which is adversely affected by 

the decision shall have until October 3, 

2008 to file an appeal. 

2. Parties receiving service of the 

decision by certified mail shall have 30 

days from the date of receipt to file an 

appeal. 

Parties who do not file an appeal in 

accordance with the requirements of 43 

CFR part 4, Subpart E, shall be deemed 

to have waived their rights. 

ADDRESSES: A copy of the decision may 

be obtained from: Bureau of Land 

Management, Alaska State Office, 222 


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