ࡱ> uwt  :bjbjT~T~ .x661%]]]]]qqq8d qu zz"===$!$ ] ]]==/ 000<]=]=0000=@ fiqT(0E 0u 0]%|]%0]%]00  0u ]% #: POLICY & PROCEDURES MANUAL CHECKLIST AND UPDATES MORTGAGE LOANS 1. An application can be for many things and have different requirements. Application for a loan requires federal disclosures Must contain (1) borrowers name, 2) borrowers monthly income; (3) borrowers social security number to obtain a credit report; (4) property address; ** (5) estimate of value of the property; (6) loan amount and (7) any other information deemed necessary by the loan originator. ** required in order to issue a TIL Application for preapproval 1 thru 3 and 6 all verified No disclosures required Can not have a property selected or contracted for ECOA applies Application to see if they qualify Stated name and income and amount of loan requested No disclosures Can not be for refinances can not have a property ECOA applies 2. Lock-in rate requirements and procedures How long is lock term per banks rules What situations can cause the lock to change Do you have a lock-in form that spells it out for the borrower Relock rules charge an extension fee? 3. FACTA Updated to included risk-based pricing rules that go into effect 1/1/2011 4. Safe Act Should have been added by Oct 1 to be updated when regulators issue their rules and open registration. Approved by Board no later than Jan 1. 5. Flood Insurance Required only if the structure is in the flood plain If you are doing a 1st and a 2nd lien on a home, both loans must have the Notification but you need only one flood search If a structure is on the land, flood insurance is required even if the appraisal gives no value to the structure 6. Loan Officer responsibility Loan officers should be responsible for the correctness of the GFE and this should be in your manual as well as in their hiring contract. Training is essential. LITTLE THINGS TO REMEMBER GFE/HUD-1 Date of the GFE is the date issued not the date of application Revision date must appear along with the original date on amended GFE Counting starts with the day it is mailed or given to the borrower. Day one is the next day (count Saturdays if you are open for that type of business) Must deliver/mail amended GFE if you change programs (ARM to Fixed or vice versa) lock-in the rate changed circumstances If you mail GFE, must allow three days for delivery before you can close Changed circumstances. There is a form included in the handouts that may be used to confirm the borrower is notified and what is the changed circumstances. Keep in your file Escrow waiver fees go in 801 or 802 of the HUD-1 , box 1 or 2 on the GFE. If they are assessed after the GFE is given, amended GFE must be given for the changed circumstance Escrows for a Section 35 loan (HPML) can not be waived. They are mandatory for at least 1 year and then can be waived at the request of the borrower. Have a worksheet for fees for prequalifying and preapproval applications. Never give a GFE unless you have a full application WITH a property address. They are binding. Remember: if the borrower doesnot use a fee or a service that is charged on the GFE, it can not appear on the HUD-1. TOLERANCES: If there is a 10% tolerance to be cured and a FNMA of TX Home Equity 3% fee that needs to be cured, cure the 10% first. That reduces the fees the borrower is paying and then calculate the FNMA or 3% fee on the new figures. TIL Dont forget additional collateral must be shown REO must show total sales price Rescission H-8 is a general rescission lender did not originate the loan being refinance H-9 rescinds only new money. Lender must have originated the loan being refinanced despite having sold it Dont forget, a borrower rescinding is made whole all fees refunded even those paid to third parties A-6 loans 12 days 12 days from last of receipt of application or giving of the 12 day notice. Day one-day after you give it or mail it to the borrower and close on day 12 Day one day you date it, wait and close on the 13th day When you give or mail disclosures that have a specific number of days before an action can take place, never count the day it is issued. 12 months must elapse before it can be refinancedbetween closing dates and not funding dates 60 days is the longest before a first payment from closing date not funding date New Billing Notice for HELOCs we include it with our note ECOA and HVCC both have requirements for appraisal notices. If the loan is cancelled or withdrawn and doesnt close, the HVCC disclosures are not required. Therefore, unless you give the borrower ALWAYS a copy of the appraisal, the ECOA notice should be given at application. Then you are covered. WHATS NEW ON THE HORIZON Dodd-Frank Anything you know about mortgage lending is about to change By July 21, 2011 the new Consumer Financial Protection Bureau will assume authority over Reg Z, RESPA, and will have begun restructuring of the forms and attempting to make it all inclusive into one. l The Consumer Financial Protection Bureau Independent Head: Led by an independent director appointed by the President and confirmed by the Senate. l Independent Budget: Dedicated budget paid by the Federal Reserve system. l Independent Rule Writing: Able to autonomously write rules for consumer protections governing all financial institutions banks and non-banks offering consumer financial services or products. l Examination and Enforcement: Authority to examine and enforce regulations for banks and credit unions with assets of over $10 billion and all mortgage-related businesses (lenders, servicers, mortgage brokers, and foreclosure scam operators), payday lenders, and student lenders as well as other non-bank financial companies that are large, such as debt collectors and consumer reporting agencies. Banks and Credit Unions with assets of $10 billion or less will be examined for consumer complaints by the appropriate regulator. l Consumer Protections: Consolidates and strengthens consumer protection responsibilities currently handled by the Office of the Comptroller of the Currency, Office of Thrift Supervision, Federal Deposit Insurance Corporation, Federal Reserve, National Credit Union Administration, the Department of Housing and Urban Development, and Federal Trade Commission. Will also oversee the enforcement of federal laws intended to ensure the fair, equitable and nondiscriminatory access to credit for individuals and communities. l Able to Act Fast: With this Bureau on the lookout for bad deals and schemes, consumers wont have to wait for Congress to pass a law to be protected from bad business practices. l Educates: Creates a new Office of Financial Literacy. Consumer Hotline: Creates a national consumer complaint hotline so consumers will have, for the first time, a single toll-free number to report problems with financial products and services. l Accountability: Makes one office accountable for consumer protections. With many agencies sharing responsibility, its hard to know who is responsible for what, and easy for emerging problems that havent historically fallen under anyones purview, to fall through the cracks. l Works with Bank Regulators: Coordinates with other regulators when examining banks to prevent undue regulatory burden. Consults with regulators before a proposal is issued and regulators could appeal regulations they believe would put the safety and soundness of the banking system or the stability of the financial system at risk. l Clearly Defined Oversight: Protects small business from unintentionally being regulated by the CFPB, excluding businesses that meet certain standards. By July 21, 2011 CFPB will take over HUDs role as RESPA overseer and Federal Reserves overseeing of Reg Z REG Z 226.18 TIL Format Effective January 30, 2011 see handout page 17 Reg Z 226.39 see handout page 12 Principal dwelling loan sold or transferred must have a notice sent by the purchaser of the mortgage even if the servicing did not transfer. Was effective May 2009 but is required as of January. Reg Z 226.35 Feds want to amend Section 35 for jumbo loans to be 2.5% over the APOR before requiring escrows. However, all other rules will apply to the jumbo loans Reg Z proposal Federal Register /Vol 75 No. 185 September 24 page 58539 TIL rules for home-secured credit commentary open till 12/23/2010 (250 pages) Consumers right to rescind Loan modification disclosures Consumers right to refund of fees Reverse mortgages Coverage test for HOEPA loans Fair Credit (FACT) See handout pages 6 thru 12 This form should be prepared by your credit bureau Effective January 4, 2011 List of Helpful Websites PeirsonPatterson  HYPERLINK "http://ppdocs.com/" http://ppdocs.com/ Section 35 check to see if your loan falls under this rule FFIEC rate spread calculator  HYPERLINK "http://www.ffiec.gov/ratespread/newcalc.aspx" http://www.ffiec.gov/ratespread/newcalc.aspx HUD RESPA  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfm" http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfm There you will find the following  INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/roundupjuly.pdf" RESPA Roundup July 2010 INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/homewar625.pdf" Home Warranty Interpretative Rule (6/25/2010) INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/settlement-cost-booklet03252010.cfm" HUD's new settlement cost booklet INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/resparulefaqs422010.pdf" New RESPA Rule FAQs (updated 4/2/2010) INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.access.gpo.gov/nara/cfr/waisidx_09/24cfr3500_09.html" RESPA Final Rule (text and pdf version) INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr;sid=e6ddaee3cb5b02c2f0d2e5a002b65f1c;rgn=div5;view=text;node=24%3A5.1.3.1.7;idno=24;cc=ecfr" RESPA Final Rule (Electronic Code of Federal Regulation version)  INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/gfestimate.pdf" Good Faith Estimate INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://edocket.access.gpo.gov/cfr_2009/aprqtr/24cfr3500AppC.htm" Good Faith Estimate Instructions INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/gfeform.pdf" Fillable Good Faith Estimate  INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/hud1.pdf" HUD-1 INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://edocket.access.gpo.gov/cfr_2009/aprqtr/24cfr3500AppA.htm" HUD-1 Instructions INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/adm/hudclips/forms/files/1.pdf" Fillable Hud-1  INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/hud1-a.pdf" HUD1-A INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/impactanalysis.pdf" Regulatory Impact Analysis INCLUDEPICTURE "http://www.hud.gov/images/common/hgv-icn-pointer-red.gif" \* MERGEFORMATINET  HYPERLINK "http://www.hud.gov/offices/hsg/rmra/res/respaanrp.pdf" RESPA ANPR on "Required Use" Prohibition (6/3/2010)  HUD FORMS  HYPERLINK "http://portal.hud.gov/portal/page/portal/HUD/program_offices/administration/hudclips/forms" http://portal.hud.gov/portal/page/portal/HUD/program_offices/administration/hudclips/forms New VA website Circular 26-10-12 www.benefits.va.gov/homeloans INCLUDEPICTURE "http://www.allregs.com/ao/images/gif1.gif" \* MERGEFORMATINET      PAGE  PAGE 1 012FKN b a ? @ N P Q V > J M Q R 3 ` i OQp 458<SȼղШգУУОДЊЊУЅ{ h-H5 hr5 hF5h|h|5H*h|h|56 h5 hK5 *h|h|5 *h)lh)l5 *h$4h)lCJaJh)lCJaJ h|5 h)l5hKh)l5CJ aJ hKh15CJ aJ hKh)l56CJ aJ -12345DEF N g  * G ` gd)l^gd)l`gd)l$a$gd)l$a$gd)l` @ N O P Q   > ? @ J 4 5 6 J gd|gd)l Opq56789:;<=>?@ABCDEFGHI^gdgd|IJKLMNOPQRSmnopz|c`gdQgd-H$a$gd-Hgd|Snsyzab]^qsty%*+"#bdXlhh5B*\ph333hhB*ph333 hOE5h_.O56CJ aJ h{t56CJ aJ h{t5 h65 h_.O5hFhF5H* hF5 hX+5 hE}}5 hQ5 h-H5hKh-H56CJ aJ 7cd^_  qrstuy&gd|gd-H_op"#cdef 7$8$H$gdgd{tgdE}}gd|=VPfjw t !t!!!5"m"" #.###9$ 7$8$H$gdhy!!7"A"0#@#G$c$%%+&-&.&&&&&&&&&&& ''!'Z'd''''''' (*(F(H(~(())))***2*I*½¸dzǽǽ̚ѽ̸h2!56CJ aJ hB5 h_d5hFs1hFs15 hFs156 h5 hFs15 hb(5 hOE5 h65 h{t5 h2!5hhOE5hh5hhB*ph333hh5B*\ph33369$E$$$K%%%,&-&.&&&&&&&&&''''((()6)W)gd{tgd 7$8$H$gdW)z))))))))*2*3*M*N*`******a+b+c+m++ , ,gd|$a$gd2!gd2!gd{tI*K*L*M*`*a*m***********+/+1+2+3+_+`+a+m+n+z++++++++ , ,ضбpjhWUWh_.O5U hF5hWUWh_.O0J5jhWUWh_.O5Uh_.Oh_.O5jh_.O5U h_.O5hWUWhK0J5jhWUWhK5UhKhK5jhK5U hK5hD56CJ aJ hKh_.O56CJ aJ $ , ,j,k,l,m,n,o,p,,,,,,,/-0-1-2-3-4-5-y-z----- . . .ղgղO.jsh_.Oh_.OB* CJOJQJUaJph.jwh_.Oh_.OB* CJOJQJUaJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ.j{h_.Oh_.OB* CJOJQJUaJph%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph ,o,,,4---..eIkd$$If0&634aIkd $$If0&634a$If . . ...h.i............?/@/f/g/i/j////////00C0D0F0G000ʷʷgʷ.jk h_.Oh_.OB* CJOJQJUaJph.jo h_.Oh_.OB* CJOJQJUaJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph&...h/i//E0eIkd $$If0&634a$IfIkd $$If0&634aE0F00111M2eIkd$$If0&634a$IfIkd $$If0&634a000000I1J1n1o1111111111117282K2L2N2O222нgнOнн.jch_.Oh_.OB* CJOJQJUaJph.h_.Oh_.O5>*B* CJOJQJ\aJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph.jg h_.Oh_.OB* CJOJQJUaJphM2N22#3$333eIkd$$If0&634a$IfIkd$$If0&634a22222233!3"3$3%333333333333333J4K4L4M4N4ннgннOн.jWh_.Oh_.OB* CJOJQJUaJph.j[h_.Oh_.OB* CJOJQJUaJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph.j_h_.Oh_.OB* CJOJQJUaJph33O4444^5eIkd$$If0&634a$IfIkd$$If0&634aN4O4P44444444444444I5J5\5]5_5`55555555 6 66666}6~6g.jOh_.Oh_.OB* CJOJQJUaJph.jSh_.Oh_.OB* CJOJQJUaJph%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ$^5_556666eIkd$$If0&634a$IfIkd$$If0&634a~666666666666,7-7.7/7071727z7{77777777777ннgннOн.jCh_.Oh_.OB* CJOJQJUaJph.jGh_.Oh_.OB* CJOJQJUaJph h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJh_.Oh_.OCJaJ%h_.Oh_.OB* CJOJQJaJph.jh_.Oh_.OB* CJOJQJUaJph.jKh_.Oh_.OB* CJOJQJUaJph6617777w8eIkd$$If0&634a$IfIkd$$If0&634a77@8A8t8u8v8x8y88888888I9J9N9o9p99999wdLdL.j *h2!h55>*OJPJQJU^J% *h2!h55>*OJPJQJ^J *h2!h_.O5 *h2!h55hWUWh_.O0J5j?!hWUWh_.O5Uh_.Oh_.O5jh_.O5U h_.O5 hF5h_.Oh_.OCJaJ h_.Oh_.O0JCJOJQJaJh_.Oh_.OCJOJQJaJ%jh_.Oh_.OCJOJQJUaJw8x8y8z88K9L9M9N9p999999999999gd|Ikd $$If0&634a9999999999999999999999::::::: : :{p{h0JmHnHuhEh&d> h&d>0Jjh&d>0JUh+jh+Uh_.Oh55h5h55"h5h55>*OJPJQJ^Jh55>*OJPJQJ^J.j *h2!h55>*OJPJQJU^J.j8# *h2!h55>*OJPJQJU^J99999::: : :gd|h]hgd&d> &`#$gdE ,1h/ =!"#$% DyK http://ppdocs.com/yK >http://ppdocs.com/yX;H,]ą'cADyK -http://www.ffiec.gov/ratespread/newcalc.aspxyK rhttp://www.ffiec.gov/ratespread/newcalc.aspxyX;H,]ą'caDyK 5http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfmyK http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfmyX;H,]ą'cDdr  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hb nr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hb nr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hb nr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr   S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr   S NA(hgv-icn-pointer-red -  br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr   S NA(hgv-icn-pointer-red -  br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr   S NA(hgv-icn-pointer-red -  br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr   S NA(hgv-icn-pointer-red -  br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Ddr  S NA(hgv-icn-pointer-red -  br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 Dd##r  S NA(hgv-icn-pointer-red - br޶S6~Hbnr޶S6~HbPNG  IHDR ]PLTE"tRNS@f cmPPJCmp0712OmIDATc`>~0a`TOʀIENDB`k$$If!vh5;5#v;#v:V 655934 DyK [http://portal.hud.gov/portal/page/portal/HUD/program_offices/administration/hudclips/formsyK http://portal.hud.gov/portal/page/portal/HUD/program_offices/administration/hudclips/formsyX;H,]ą'c`DdN  S *A gif1bpN%6b>8l|#npN%6b>8lPNG  IHDR(4PLTEXgetRNS@fbKGDH cmPPJCmp0712Hs IDATWc`=IENDB`^ 2 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~_HmH nH sH tH @`@ NormalCJ_HaJmH sH tH DA`D Default Paragraph FontRi@R  Table Normal4 l4a (k (No List 6U@6 _.O Hyperlink >*B*ph4 @4 &d>Footer  !.)@. &d> Page NumberPK![Content_Types].xmlj0Eжr(΢Iw},-j4 wP-t#bΙ{UTU^hd}㨫)*1P' ^W0)T9<l#$yi};~@(Hu* Dנz/0ǰ $ X3aZ,D0j~3߶b~i>3\`?/[G\!-Rk.sԻ..a濭?PK!֧6 _rels/.relsj0 }Q%v/C/}(h"O = C?hv=Ʌ%[xp{۵_Pѣ<1H0ORBdJE4b$q_6LR7`0̞O,En7Lib/SeеPK!kytheme/theme/themeManager.xml M @}w7c(EbˮCAǠҟ7՛K Y, e.|,H,lxɴIsQ}#Ր ֵ+!,^$j=GW)E+& 8PK!Ptheme/theme/theme1.xmlYOo6w toc'vuر-MniP@I}úama[إ4:lЯGRX^6؊>$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3ڗP 1Pm \\9Mؓ2aD];Yt\[x]}Wr|]g- eW )6-rCSj id DЇAΜIqbJ#x꺃 6k#ASh&ʌt(Q%p%m&]caSl=X\P1Mh9MVdDAaVB[݈fJíP|8 քAV^f Hn- "d>znNJ ة>b&2vKyϼD:,AGm\nziÙ.uχYC6OMf3or$5NHT[XF64T,ќM0E)`#5XY`פ;%1U٥m;R>QD DcpU'&LE/pm%]8firS4d 7y\`JnίI R3U~7+׸#m qBiDi*L69mY&iHE=(K&N!V.KeLDĕ{D vEꦚdeNƟe(MN9ߜR6&3(a/DUz<{ˊYȳV)9Z[4^n5!J?Q3eBoCM m<.vpIYfZY_p[=al-Y}Nc͙ŋ4vfavl'SA8|*u{-ߟ0%M07%<ҍPK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 +_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!Ptheme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] 2 x $$$'SI* , .02N4~679 :#'*+-02468:` Ic9$W) ,.E0M23^56w89 : !"$%&(),./13579;`""""2#_#m### $j$l$o$$$$/%1%4%y%%% & &&h&&&&&&?'f'i''''(C(F((((I))))))7*K*N****+!+$+++++++J,L,O,,,,,,,I-\-_---- ...}......,/./1/z//////@0t000I1111 2XXXCXCXCXCXCXCXCXCXCXCXCXCXCXCXCXXC  '!!8@0(  B S  ?& . :ARU `"""`#m##O'S'7(:(++ ..0J1p1111111111111111122 2RZ  3PU e { / 6 & 2 $ I uyt=FVWPXfgjmwx$t56 #./9<EFKM&!"!X!a!U1f11111111111112 2333333333333333333333333333333333333333333333333333333333333 3**] p r s %*+#bd,. * F H !!""I"K"L"`"""`#m##0J1N11111111111111112 2feD K=_b/CLNd '|2!"(q$b(X+7,/11Fs1"h27&d>ByDOE-H mK M 4M_.O=DQ TbVGSWW]B a_dyfs&g5bh)l.,n{t>twwpz|E}}N`UI)]Mr~=MOK8E /*dVryy+15= 5xF$%Pq#F8I5{{6$F&p}{Qk5eB11@100 2`@UnknownG* Times New Roman5Symbol3. * Arial7.  VerdanaI. ??Arial Unicode MSACambria Math"1h[&[&]Frr*Zrr*Z!4d112QHP ?)l2!xx0POLICY & PROCEDURES MANUAL CHECKLIST AND UPDATESCheryl KoirtyohannSamantha AdkinsOh+'00 HT t   4POLICY & PROCEDURES MANUAL CHECKLIST AND UPDATESCheryl Koirtyohann Normal.dotmSamantha Adkins2Microsoft Office Word@@;_@fi@firr*՜.+,D՜.+,p, hp  PeirsonPatterson, LLPZ1 1POLICY & PROCEDURES MANUAL CHECKLIST AND UPDATES Titleh  8@ _PID_HLINKSA rlc[http://portal.hud.gov/portal/page/portal/HUD/program_offices/administration/hudclips/formsQ `6http://www.hud.gov/offices/hsg/rmra/res/respaanrp.pdf)Z;http://www.hud.gov/offices/hsg/rmra/res/impactanalysis.pdf4vT3http://www.hud.gov/offices/hsg/rmra/res/hud1-a.pdfXN:http://www.hud.gov/offices/adm/hudclips/forms/files/1.pdf9H@http://edocket.access.gpo.gov/cfr_2009/aprqtr/24cfr3500AppA.htmB1http://www.hud.gov/offices/hsg/rmra/res/hud1.pdf/}<4http://www.hud.gov/offices/hsg/rmra/res/gfeform.pdf;6@http://edocket.access.gpo.gov/cfr_2009/aprqtr/24cfr3500AppC.htmz+07http://www.hud.gov/offices/hsg/rmra/res/gfestimate.pdfL*http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr;sid=e6ddaee3cb5b02c2f0d2e5a002b65f1c;rgn=div5;view=text;node=24%3A5.1.3.1.7;idno=24;cc=ecfrY$@http://www.access.gpo.gov/nara/cfr/waisidx_09/24cfr3500_09.html$@http://www.hud.gov/offices/hsg/rmra/res/resparulefaqs422010.pdfq5Lhttp://www.hud.gov/offices/hsg/rmra/res/settlement-cost-booklet03252010.cfm';7http://www.hud.gov/offices/hsg/rmra/res/homewar625.pdf0} 8http://www.hud.gov/offices/hsg/rmra/res/roundupjuly.pdfl5http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfmBP-http://www.ffiec.gov/ratespread/newcalc.aspxk2http://ppdocs.com/  !"#$%&'()*+,-./0123456789:;<>?@ABCDEFGHIJKLMNOPRSTUVWXYZ[\]^_`abcefghijkmnopqrsvRoot Entry F0%fixData ='1TableQ]%WordDocument.xSummaryInformation(dDocumentSummaryInformation8lCompObjy  F'Microsoft Office Word 97-2003 Document MSWordDocWord.Document.89q