RATE AND PROCEDURAL RULES (and Selected Bulletins)
|
|
- Jerome Booker
- 6 years ago
- Views:
Transcription
1 CESP CAEP Tpic/Issue TYPES OF RULES Rate Rules Sectin III f Basic Manual Prcedural Rules Sectin IV f Basic Manual Interpretatin and Enfrcement f Rules Texas Department f Insurance Bulletins Appendix f Basic Manual Quality Assurance Reviews by Underwriters Rules and Bulletins Relating t Insurance Cverage and Issuance f Owner s & Lan Plicies Bulletin 152 Date f Plicy Instructin t nt issue prir t recrdatin f the instrument creating the estate r interest t be insured Instructin t nt issue prir t payment f full cnsideratin ( funding ) Amunt f Cverage (Liability Amunt) P-66 A Owner s Plicy P-66 B Lan Plicy R-27 Premium fr Texas Residential Limited Cverage Junir Mrtgagee Plicy Named Insured P-7 Lan Plicy r Cmmitment fr Lan Plicy P-63 Qualified intermediary under Internal Revenue Cde 1031 takes title n behalf f the ultimate wners Estate r Interest P-66 A Owner s Plicy fee simple, leasehld, easement Bulletin 138 Prhibitin against insuring future estates P-2 Amendment f Exceptin t Areas and Bundaries R-16 Premium fr amendment f Exceptin t Areas and Bundaries P-4 Restrictive Cvenants Exceptin P-20 Exceptin t Taxes and Amendment f Standard Exceptin R-19 Premium fr amendment t delete exceptin t rllback taxes R-24 Premium fr amendment t add nt yet due language P-3 Exceptin t RIGHTS OF PARTIES IN POSSESSION P-5 Special Exceptins [ shall nt be general in nature ] Page 1 f 6 Last revised 01/29/10
2 CESP CAEP Tpic/Issue P-5.1 General exceptins allwed in regard t mineral interests P-64 Subrdinate Liens and Liens (deletin f standard exceptin) P-39 Express Insurance P-8 Issuing Plicies Prir t Cmpletin f Imprvements P-19 Pending Disbursement clause fr Lan Plicy P-36 Arbitratin Prvisins P-37 Lack f Right f Access P-6 C-Insurance P-11 Insuring Arund P-13 Truth-in-Lending P-6b Calculatin f premium fr aggregate amunt f $15,000,000 r mre P-38 Residential Owner s Plicy f Title Insurance - One t Fur Family Residence (T-1R) P-51 Texas Shrt Frm Residential Lan Plicy (T-2R) P-43 Limited Pre-Freclsure Plicy (T-98) R-26 Premium fr Limited Pre-Freclsure Plicy P-61 Timely Prvisin f Title Plicies P-65 Issuance f Owner s Plicy r Rejectin Rules Relating t Insurance Cverage and Issuance f Endrsements P-9 Endrsement f Owner s r Lan Plicies P-9a.1 Owner s Plicy n Leasehld endrsement must be attached (T-4, T-4R) P-9a.2 Owner s Plicy - Increased Value (T-34) P-9a.3 Dwn date t jumb wner s plicy during cnstructin (T-3, Instructin VIII) P-9a.4 Owner s Plicy Supplemental Cverage MHU (T-31.1) P-9b.1 A/L t gvernmental entities n residential prperty (T-3, Instructin III) P-9b.2 A/L t thers n nn-residential prperty (T-3, Instructin III) P-9b.3 Mdificatin, partial release, release f persnal liability, etc. (T-38) P-9b.4 Dwn Date t Lan Plicy during cnstructin (T-3, Instructin V) P-9b.5 Lan Plicy n Leasehld endrsement must be attached (T-5) P-9b.6 Variable Rate Mrtgage Lan and Variable Rate Mrtgage Page 2 f 6 Last revised 01/29/10
3 CESP CAEP Tpic/Issue Lan, Negative Amrtizatin (T-33, T-33.1) P-9b.7 Manufactured Husing and Supplemental Cverage (T-31, T- 31.1) P-9b.8 Future Advance/Revlving Credit (T-35) P-9b.9 Envirnmental Lien (T-36) P-9b.10 Balln Mrtgage (T-39) P-9b.11 First Lss (T-14) P-9b.13 Mrtgage Plicy Aggregatin (T-16) P-9b.14 Planned Unit Develpment PUD (T-17) P-9b.15 Cndminium (T-28) R-11 Premiums fr endrsements t lan plicies (frm P-9) R-15 Premiums fr endrsements t wner s plicies (frm P-9) P-16 Extensin f Interim Cnstructin Binder (T-3, Instructin I) R-13 Premium fr extensin f Interim Cnstructin Binder P-43 Limited Pre-Freclsure Dwndate Endrsement (T-99) R-26 Premium fr Limited Pre-Freclsure Limited Dwndate Endrsement P-44 Hme Equity Lan Mrtgage Endrsement (T-42) R-28 Premium fr Equity Lan Mrtgage Endrsement P-47 Hme Equity Lan Mrtgage Endrsement (T-42.1) R-28 Premium fr Supplemental Cverage Equity Lan Mrtgage Endrsement P-46 Texas Limited Cverage Junir Lan Plicy Dwn Date Endrsement (T-45) and Texas Limited Cverage Junir Mrtgagee Plicy Variable Rate Endrsement (T-46) and Texas Limited Cverage Junir Mrtgagee Plicy Additinal Cverage Endrsement (T-44) R-27 Texas Residential Limited Cverage Junir Lan Plicy endrsements P-45 Reverse Mrtgage Endrsement (T-45) P-50 Restrictins, Encrachments, Minerals Endrsement (T-19) (T-19.1) R-29 Premium fr Restrictins, Encrachments, Minerals Endrsements P-50.1 Minerals and Surface Damage Endrsement (T-19.2) (T-19.3) R-29.1 Premium fr Minerals and Surface Damage Endrsements P-54 Access Endrsement (T-23) R-30 Premium fr Access Endrsement P-55 Nn-Imputatin Endrsement and Nn-Imputatin Endrsement Page 3 f 6 Last revised 01/29/10
4 CESP CAEP Tpic/Issue (Mezzanine Financing) (T-24 and T-24.1) R-31 Premium fr Nn-Imputatin Endrsements P-56 Cntiguity Endrsement (T-25, T-25.1) R-32 Premium fr Cntiguity Endrsement (T-25) P-57 Additinal Insured Endrsement (T-26) R-33 Premium fr Additinal Insured Endrsement P-17 Electrnically Prduced Endrsement Frms Rules and Bulletins Relating t Insurance Cverage and Issuance f Other Insuring Frms P-52 Delivery f Pr Frma Plicies and Prmulgated Frms P-18 Cmmitment fr Title Insurance (T-7) P-21 Cntents f Schedule D t Cmmitment fr Title Insurance P-14 Owner s Title Plicy Cmmitment t the Texas Department f Transprtatin (T-20) R-23 Cmmitment Fee P-15 Cmmitment - FDIC, OTS, RTC R-25 Premium fr Cmmitment fr Title Insurance t the Federal Depsit Insurance Crpratin, Reslutin Trust Crpratin, Office f Thrift Supervisin P-16 Lan Title Plicy Binder n Interim Cnstructin Lan (T-13) R-13 Premium fr Binder n Interim Cnstructin Lan Bulletin 136 Prhibitin against issuing n develpment lans P-33 Plicy f Title Insurance (USA) (T-11) Prcedural Rules Relating t Underwriter Activities P-10 Facultative Reinsurance P-11.c. Texas Master Indemnity Agreement (T-29) P-31 Authrized Executin f a Directly Issued Plicy (Hme Office Issue) P-58 Reprt n Directly Issued Plicy P-69 Issuance f Insured Clsing Letters P-68 Cnsumer Ntice (must be included with plicies) Rules and Bulletins Affecting the Operatin f Title Agents and Underwriters P-12 Abstract Plants Bulletin 145 Definitin f jint plant P-62 Licensing and Lcatin f Title Agents and Direct Operatins Page 4 f 6 Last revised 01/29/10
5 CESP CAEP Tpic/Issue P-22 Payment f a Fee fr Examinatin and/r Clsing P-23 Divisin f Premiums between Title Insurance Agents and Underwriters R-2 Rebates and Discunts Date by which premium must be remitted t underwriter P-24 Payment fr Services Rendered P-70 Cancellatin Fees; Fees fr Services Rendered P-25 Reasnable Time fr Furnishing Title Evidence P-26 Cpies f Plicies Prvided t Agents P-28 General Requirements fr Cntinuing Educatin Bulletin 161 Applicatin f requirements t parties with n active invlvement P-30 Guaranty Assessment Recupment Charge P-32 Dcument Retentin P-53 Rebates and Discunts Prhibited Rules and Bulletins Relating t Clsing and Settlement P-27 Disbursement frm Trust Fund Accunts [Gd Funds] P-35 Prhibitin Against Guaranties, Affirmatins, Indemnificatins, Certificatins Bulletin 155 FHA Certificatins and Initial Escrw Accunt Statements R-2 Rebates and Discunts Prhibitin against issuing r delivering any insuring frm prir t cllecting full premium Must issue plicy(ies) if premium(s) cllected Requirements fr allwing premium t pass thrugh t issuance f plicy in subsequent transactin Methd f calculating and requirements fr allwing premium t be paid in installments Bulletin 160 Disclsure f disbursement f real estate cmmissin Frm T-63 Texas Escrw Accunting Addendum Special Disbursement Recnciliatin (fr disbursement f POC items thrugh escrw) Additinal Rate Rules and Bulletins fr Calculating Premium Charges R-1 Schedule f Basic Premium Rates Shall apply unless anther rule specified Prhibitin against cmbining Rate Rules R-3 Owner s Plicy Page 5 f 6 Last revised 01/29/10
6 CESP CAEP Tpic/Issue Surrender credit if imprvements subsequently added R-4 Lan Plicy Additinal 25% cverage initially r subsequently issued R-5 Simultaneus Owner s and Lan Plicy(ies) Requirements and standard rate Lan Plicy(ies) exceed Owner s Plicy Including the cst f cntemplated imprvements and cmbined with Owner s Plicy surrender credit Premium paid in installments R-6 Subsequently issued Lan Plicy R-7 Simultaneus First and Subrdinate Lien Lan Plicies R-8 Lan Plicy Refinance credit Requirements and chart f credits Additinal chain(s) f title Tw r mre lans satisfying ne existing lan Prhibitin against including additinal land Limitatin n amunt f written payff balance used t calculate credit R-9 Additinal Chain(s) f Title R-13 Binder credit Owner s Plicy upn subsequent sale Lan Plicy upn subsequent refinance R-18 Lan Plicy Refinance f Cnstructin Lan Cvered by Lan Plicy Bulletin 120 Multiple full premiums when multiple Sales/Purchases aggregated int a single Owner s Plicy Page 6 f 6 Last revised 01/29/10
Goldwater Bank N.A. Mortgage Division Construction-to-Permanent Loan Agreement and Acknowledgement Site Built Homes
Gldwater Bank N.A. Mrtgage Divisin Cnstructin-t-Permanent Lan Agreement and Acknwledgement Site Built Hmes Builders/Brrwer s utilizing Gldwater Bank s (Lender) Cnstructin-t-Permanent (C-t-P) lan prgram
More informationFreddie Mac Home Possible Mortgages
Freddie Mac Hme Pssible Mrtgages A respnsible, lw dwn payment mrtgage ptin fr first-time hmebuyers and lwand mderateincme brrwers Freddie Mac Hme Pssible and Hme Pssible Advantage mrtgages (cllectively
More informationSTATE OF NEW YORK MUNICIPAL BOND BANK AGENCY
STATE OF NEW YORK MUNICIPAL BOND BANK AGENCY Recvery Act Bnd Prgram Written Prcedures fr Tax Cmpliance and Internal Mnitring, adpted September 12, 2013 PROGRAM OVERVIEW The State f New Yrk Municipal Bnd
More informationALL GOVERNMENT PRODUCTS
OVERLAYS and GUIDELINES ALL GOVERNMENT PRODUCTS Agricultural Exemptins Texas purchase and rate term refinances n prperties with agricultural exemptin A ne acre parcel, that includes the hme t be financed,
More informationFarm Credit Lending Terminology
Farm Credit Lending Terminlgy Amrtized lan - A lan with a series f regularly scheduled payments that include bth interest and partial repayment f principal. Equal payments - Payments are f equal size with
More informationHawaii Division of Financial Institutions 2018 Renewal Checklist
Hawaii Divisin f Financial Institutins 2018 Renewal Checklist Instructins Renewal requests must be submitted thrugh by the date specified by yur state regulatr(s). Click here t review all renewal deadlines,
More informationAGENCY HIGH LTV REFINANCE OPTION
AGENCY HIGH REFINANCE OPTION The high refinance ptin is designed fr (FNMA/FHLMC) brrwers wh are making their mrtgage payments n time, but whse ratis exceed the maximum allwed fr standard limited cash-ut
More informationConsumer Protection 2015: What You Need to Know. New York Region Director s College
Cnsumer Prtectin 2015: What Yu Need t Knw New Yrk Regin Directr s Cllege Agenda CRA - Understanding Cmmunity Develpment A Directr s Rle Fld - Fld Insurance Awareness and Updates 2 CRA Understanding Cmmunity
More informationHawaii Division of Financial Institutions 2019 Renewal Checklist
Hawaii Divisin f Financial Institutins 2019 Renewal Checklist Instructins Renewal requests must be submitted thrugh by the date specified by yur state regulatr(s). Click here t review all renewal deadlines,
More informationAssistance Program: Prince George s County, Maryland Pathway to Purchase First Time Homebuyers Assistance Code: DMDPRINCE
Assistance Prgram: Prince Gerge s Cunty, Maryland Pathway t Purchase First Time Hmebuyers Assistance Cde: DMDPRINCE HOMEOWNERSHIP ASSISTANCE PROGRAM SUMMARY Prduct Descriptin Allwable Originatin Channel
More informationOn April 1, 2013, the Harmonized Sales Tax (HST) was replaced by the federal Goods and Services Tax (GST) and the BC Provincial Sales Tax (PST).
HST t PST: Transitin Rules fr Real Prperty A printable versin f infrmatin fund nline at: www.bcrea.bc.ca/gvernment-relatins/hst-pst-resurces/pst-transitin-rules Last update: January 7, 2015 On April 1,
More informationABA Staff Analysis: Rules Regarding Loan Originator Compensation Policies
ABA Staff Analysis: Rules Regarding Lan Originatr Cmpensatin Plicies September 2010 Final Rule Issued: August 16, 2010 On August 2010, the Federal Reserve Bard issued rules impsing restrictins regarding
More informationAttachment G. Homeownership Opportunities Program (HOP) Guidelines
. Hmewnership Opprtunities Prgram (HOP) Guidelines Cntents: 1: Prgram Descriptin 2: Member Participatin and Registratin 3: Funding Use, Limits, and Availability 4: Member Requirements 5: Recipient Requirements
More informationHOME IMPROVEMENT CONTRACT
HOME IMPROVEMENT CONTRACT YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS CONTRACT, SIGNED BY BOTH YOU AND THE CONTRACTOR BEFORE ANY WORK MAY BE STARTED. CONTRACTOR S NAME: ADDRESS: PHONE: FAX:
More informationVOLUMETRIC PRODUCTION PAYMENTS. Liz McGinley
VOLUMETRIC PRODUCTION PAYMENTS Liz McGinley What is a Vlumetric Prductin Payment ( VPP )? A nn-perating, nn-expense bearing, limited term ryalty. It entitles the hlder t a specified vlume f hydrcarbns
More informationStandard & High Balance Loan Purpose Minimum FICO Maximum LTV Maximum CLTV Purchase 600** 96.50% 96.50% Streamlines
FHA Prtfli Prgram Summary Prduct Types Eligible Prgrams 30-year Fixed FHA lans 203(b) 1-4 family, 234(c) Cndminiums, Standard & High Balance Lan Purpse Minimum FICO Maximum LTV Maximum CLTV Purchase 600**
More informationDISCLOSURE PACKAGE ACKNOWLEDGEMENT FORM
DISCLOSURE PACKAGE ACKNOWLEDGEMENT FORM Verle Melz August 7, 2013 Agent Date f Disclsure Package Request Purchaser(s) OR Disclsure Package Requester s Name(s) (please print): I hereby acknwledge receipt
More informationSummary of the TILA-RESPA Integrated Disclosure (TRID) Rule
Summary f the TILA-RESPA Integrated Disclsure (TRID) Rule Octber 2015 1603 22nd St., Suite 102 West Des Mines, IA 50266 515.453.1495 Fax: 515.453.1498 cbia@cbianline.rg www.cbianline.rg Summary f the TILA-RESPA
More information(as of 12/11/09) A borrower (the current owner) may be able to avoid a foreclosure by completing a short sale or a deedin-lieu
(as f 12/11/09) 1. What is HAFA? Initially annunced n May 14, 2009, with guidance and standard frms issued n Nvember 30, 2009, the prgram will help wners (referred t belw as brrwers) wh are unable t retain
More informationCAREVEST MORTGAGE INVESTMENT CORPORATION Directions for Completing Retraction Requests
This package is ONLY fr Class A sharehlders f. Cntents f this package (5 pages): - Instructins fr cmpleting yur retractin request - Retractin Request frm fr CareVest Mrtgage Investment Crpratin The February
More informationTRID Rule Purchase For Applications dated on or after 10/3/2015
Fr Applicatins dated n r after 10/3/2015 This dcument prvides a brief verview f the TRID Rule s requirements and specifies the purchase requirements fr CMG Mrtgage, Inc., dba CMG Financial, (CMG). CMG
More informationStandard & High Balance Loan Purpose Minimum FICO Maximum LTV Maximum CLTV Purchase 580* 96.50% 96.50% Streamlines
FHA Prgram Summary Prduct Types Eligible Prgrams 30yr, 25yr and 15yr Fixed 5/1 ARM 203(b) 1-4 family, 234(c) Cndminiums, Standard & High Balance Lan Purpse Minimum FICO Maximum LTV Maximum CLTV Purchase
More informationResolution Adopting a Financial Management Policy
Reslutin Adpting a Financial Management Plicy Reslutin N. 01-2011 A Reslutin Adpting a Financial Management Plicy WHEREAS: gd financial management is necessary fr the success f Rivercliff Estates Hmewner
More informationABA Staff Analysis: Interim Rule Amending Regulation Z: Summary Information Regarding Interest Rates and Payment Changes
Summary ABA Staff Analysis: Interim Rule Amending Regulatin Z: Summary Infrmatin Regarding Interest Rates and Payment Changes September 2010 The Bard published interim rule (75 FR 58469-58489) changes
More informationREFERENCE NUMBER: PFS.PDS.115. TITLE: Patient Billing and Collections CURRENT EFFECTIVE DATE: 01/01/2018. PAGE 1 of 8 SCOPE:
PAGE 1 f 8 SCOPE: This Patient Billing and Cllectins Plicy applies t all Presbyterian Healthcare Services (Presbyterian) hspital facilities, including inpatient, utpatient, hme health care services and
More informationGI-050 February Residential Care Facilities and the GST/HST Election to Adjust Net Tax for the Self-Supply of a Residential Complex.
GST/HST Inf Sheet GI-050 February 2009 Residential Care Facilities and the GST/HST Electin t Adjust Net Tax fr the Self-Supply f a Residential Cmplex This inf sheet explains the new electin that can be
More informationCitiMortgage Home Affordable Foreclosure Alternative (HAFA) Matrix
CitiMrtgage Hme Affrdable Freclsure Alternative (HAFA) Matrix All servicers that have signed agreements with the U.S. Department f the Treasury (Treasury) t participate in the Hme Affrdable Mdificatin
More informationFHA OVERLAY MATRIX. A Closing Protection Letter (CPL) is required
This dcument is a summary f mst Platinum Hme Mrtgage guideline verlays and FHA requirements. This dcument shuld be used as a reference tl in cnjunctin with the Crrespndent Seller Guide and is nt meant
More informationNH Mortgage Banker Branch License New Application Checklist (Branch)
NH Mrtgage Banker Branch License New Applicatin Checklist (Branch) CHECKLIST SECTIONS General Infrmatin License Fees Requirements Cmpleted in Requirements/Dcuments Upladed in Requirements Submitted Outside
More informationOverview of New Starts and Related Provisions in MAP-21
Overview f New Starts and Related Prvisins in MAP-21 Prgram Huse - HR 7, American Energy and Infrastructure Jbs Act - as reprted by Huse Transprtatin and Infrastructure Cmmittee Senate - S. 1813, Mving
More informationUBC Properties Trust (UBCPT) Restricted Faculty Second Mortgage Loan Program Summary of Key Terms. November 1, 2013
UBC Prperties Trust (UBCPT) Restricted Faculty Secnd Mrtgage Lan Prgram Summary f Key Terms Nvember 1, 2013 The Prgram is intended t assist full-time tenured and tenure-track faculty at UBC's Vancuver
More informationARIZONA FIRE DISTRICT ASSOCIATION FINANCIAL PROCEDURES POLICY
FINANCIAL PROCEDURES POLICY 1. PURPOSE The purpse f these Financial Prcedures is t prvide cnsistent applicatin f cnduct and prper internal cntrls t safeguard the assets f the Arizna Fire District Assciatin
More informationInstitute For Orthopaedic Surgery (IOS) Subject: Billing and Payments: General Guidelines
Institute Fr Orthpaedic Surgery (IOS) Plicy and Prcedure Manual Subject: Billing and Payment: General Statements Purpse: T prvide directin t staff members in their interactin with patients and guarantrs
More informationFinancial Condition (E) Committee Technical Changes
Draft: 8/23/2017 Financial Cnditin (E) Cmmittee Technical Changes Backgrund Infrmatin. At the 2009 Fall Natinal Meeting, the Natinal Assciatin f Insurance Cmmissiners (NAIC) membership apprved a new prcess
More informationTemporary Rental Unit - Zoning Clearance Application Packet
Temprary Rental Unit - Zning Clearance Applicatin Packet Cunty f Ventura Resurces Management Agency Planning Divisin 800 S. Victria Avenue, Ventura, CA 93009 (805)654-2488 www.vcrma.rg/divisins/planning
More informationPre-Submission Requirements (Early Assistance)
El Pas Cunty, Clrad Land Develpment Cde Chapter Nine SPECIAL DISTRICTS 9.1. GENERAL PROVISIONS AND PROCEDURES 9.1.1. Purpses The purpse f this Chapter is t implement the BCC ' s authrity t review and apprve
More informationFederal Housing Administration (FHA) Product Matrix
Federal Husing Administratin (FHA) Prduct Matrix APPRAISAL All FHA appraisals are valid fr 120 days including New Cnstructin and HUD REO s. Per ML 2009-28, FHA apprved lenders are prhibited frm accepting
More informationUPDATE ON MORTGAGE SERVICING & APPRAISAL GUIDELINES
THURSDAY OCTOBER 17, 2013 2 3 PM CENTRAL TIME UPDATE ON MORTGAGE SERVICING & APPRAISAL GUIDELINES Agata Maurer Senir Managing Cnsultant BKD, LLP amaurer@bkd.cm Wanda Andersn Senir Managing Cnsultant BKD,
More informationPolicy on Requesting Reasonable Accommodations from the Zoning Code
Plicy n Requesting Reasnable Accmmdatins frm the Zning Cde Backgrund The Americans with Disabilities Act (ADA), as amended, is a federal anti-discriminatin statute designed t remve barriers that prevent
More informationAssociated Adjustable Rate Mortgage Programs TPO Originations
1. Prduct Descriptin Assciated Mrtgage Prtfli Prgrams allws Assciated t ffer custmized underwriting slutins based n the brrwer s individual credit with Assciated Bank and ther lenders; their current capacity
More informationSnap Deposit User Agreement
Snap Depsit User Agreement This Agreement cntains the terms and cnditins fr the use f LGE Snap Depsit, the mbile depsit capture service ( Snap Depsit r Services ) and/r ther remte services that LGE Cmmunity
More informationLOAN PROCESSING, UNDERWRITING, DOCS, FUNDING, POST-CLOSING PROCEDURE - MORTGAGE CREDIT CERTIFICATES
PNP SPECIFICATIONS PNP Name/ Histry Prcedure: Mrtgage Credit Certificates Date Issued: 12/01/2015 Date Effective: 12/01/2015 Date Revised: 04/02/2018 Prductin Channels Accuntable Persnnel/ Department Retail
More informationMalibu Non-Agency Matrix
Revisin: January 10, 2018 (Prduct Infrmatin Center, 949-390-2684, www.jmaclending.cm 1 PURCHASE AND R&T REFINANCE FIXED RATE AND FULLY AMORTIZING ARMs CASH-OUT REFINANCE Occupancy Units Max Lan Amunt LTV
More informationUnderstanding Loan Product Advisor s Determination of Total Monthly Debt for Conventional Loans
Understanding Lan Prduct Advisr s Determinatin f Ttal Mnthly As indicated in Freddie Mac s Single-Family Seller/Servicer Guide (Guide) Sectin 5401.2, the Brrwer's liabilities must be reflected n the Mrtgage
More informationKANSAS STATE DEPARTMENT OF EDUCATION
Guidelines fr By Schl Districts General investment authrity f lcal gvernments; types f investments authrized; direct investments; pledging securities and requirements; security peak depsit perids; use
More informationORACLE FLEXCUBE Accelerator Pack 12.1 Product Catalogue Corporate Deposits Accelerator Pack Product Catalogue Page 1 of 17
ORACLE FLEXCUBE Acceleratr Pack 12.1 Prduct Catalgue Crprate Depsits ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 17 Table f cntents Table f cntents... 2 Overview & Objectives...
More informationORACLE FLEXCUBE Accelerator Pack 12.2 Product Catalogue Accelerator Pack Product Catalogue Page 1 of 11
ORACLE FLEXCUBE Acceleratr Pack 12.2 Prduct Catalgue ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 11 Prduct catalgue Leasing Mdule (LE)... 3 1. Prduct Cde LEF1 - Financial Leasing
More informationHow to Become a Delaware Public Benefit Corporation
Hw t Becme a Delaware Public Benefit Crpratin This utline describes the majr steps required fr an existing Delaware crpratin t becme a Delaware public benefit crpratin. 1. Summary. In rder t becme a public
More informationNHCAC North Hudson Community Action Corporation
NHCAC Nrth Hudsn Cmmunity Actin Crpratin RFP 340B Prgram Auditing Services INQUIRIES SHOULD BE DIRECTED TO: Name: Title: Entity: Address: Manny Diaz Directr f Cmmunity Develpment Nrth Hudsn Cmmunity Actin
More informationManual of Administrative Policies and Procedures
Manual f Administrative Plicies and Prcedures POLICY 1.49 Cntract Management and Signing Authrity Plicy Categry: General Related Prcedures: Prcedures fr Negtiating, Apprving and Signing University Cntracts
More informationLoan Delivery and Purchase Guidelines
Lan Delivery and Purchase Guidelines Table f Cntents 1.0 Overview 2.0 Delivery f a Clsed Lan File 2.1 General 2.2 Helpful Hints 2.3 Aged Lan Plicy 3.0 Cllateral Package Funding Dcumentatin Requirements
More informationVA RATE REDUCTION REFINANCE (VAFX)
Table f Cntents 1. Eligible Mrtgage Prduct Existing Lan... 2 2. Elibible Mrtgage Prduct New Lan... 2 3. VA Funding Fee (VAFF)... 2 4. VA IRRRL (Interest Rate Reductin Lan) Case #... 2 5. Entitlement/Guaranty...
More informationUSDA Rural Housing Fixed Rate Program Matrix: PURCHASE
USDA Prgram Summary USDA Rural Husing Fixed Rate Prgram Matrix: PURCHASE Occupancy Units FICO/Credit Scre LTV/CLTV Primary Residence 1 620 100/NA RATE TERM REFINANCE Occupancy Units FICO/Credit Scre LTV/CLTV
More informationMay 23, 2013 TAX EXEMPT BONDS. Enforcement and Outreach. Christopher C. Woodin Lead Tax Law Specialist Washington, D.C.
May 23, 2013 TAX EXEMPT BONDS Enfrcement and Outreach Christpher C. Wdin Lead Tax Law Specialist Washingtn, D.C. Office f Tax Exempt Bnds Internal Revenue Service Tax Exempt/Gvernment Entities Divisin
More informationTransition Plan. October 29, Sheri Damon, Prevailing Wage/Risk Coordinator. Presentation to FORA BOARD
Transitin Plan Presentatin t FORA BOARD Octber 29, 2018 Sheri Damn, Prevailing Wage/Risk Crdinatr FORA Histry/Executive Summary 2 Overview Backgrund What s New? Revised Transitin Plan Reslutin Key Issues
More informationNM Mortgage Loan Company License New Application Checklist (Company)
NM Mrtgage Lan Cmpany License New Applicatin Checklist (Cmpany) CHECKLIST SECTIONS General Infrmatin License Fees Requirements Cmpleted in Requirements/Dcuments Upladed in Requirements Submitted Outside
More informationCaliber Jumbo Program
Caliber Jumb Prgram Caliber Jumb Prgram Summary Caliber Jumb Fixed Rate and ARM Prgram Matrix: PURCHASE AND RATE TERM REFINANCE 1,3,4 Occupancy Units FICO/Credit Scre LTV/CLTV Lan Amunt 740 90/90 Purch
More informationCONTRACT EXECUTION AND PROJECT MANAGEMENT: THE IN-HOUSE COUNSEL PERSPECTIVE. Ludovica Parodi Head of Legal GBS & ICT London, September 4, 2014
CONTRACT EXECUTION AND PROJECT MANAGEMENT: THE IN-HOUSE COUNSEL PERSPECTIVE Ludvica Pardi Head f Legal GBS & ICT Lndn, September 4, 2014 Internatinal Cnstructin Cntracts Definitin Cntents The Engineering
More informationAttachment C. Monitoring Procedures
Attachment C. Mnitring Prcedures These prcedures set frth the prcess that the Federal Hme Lan Bank f Indianaplis ( FHLBI r the Bank ) fllws in mnitring its Affrdable Husing Prgram (AHP) cmpetitive applicatin
More informationAudit Follow Up. Citywide Cash Controls Development and Transportation Services (Report #0134, Issued August, 2001) As of March 31, 2002
Audit Fllw Up As f March 31, 2002 Sam M. McCall, CPA, CIA, CGFM City Auditr Citywide Cash Cntrls Develpment and Transprtatin Services (Reprt #0134, Issued August, 2001) Reprt #0231 July 25, 2002 Summary
More informationRenewing an Insurance Policy
AGENTS, BROKERS Renewing an Insurance Plicy This renewal prcedure is designed t help representatives respect their bligatins when renewing an insurance plicy. Essentially, these bligatins are spelled ut
More informationR.E.A.L: CREDIT ADVANTAGE PROGRAM
R.E.A.L: CREDIT ADVANTAGE PROGRAM Prgram Summary: Prgram Type Grade A Grade B Grade B- Grade C 12 Mnth Husing Histry 1X30 0X60 0X90 1X120 Freclsure # Nne in prir 2 years Nne in prir 2 years Nne in 12 mnths
More informationConforming and High Balance Guideline Freddie Mac
Revisin: March 11, 2019 (Prduct Infrmatin Center, 949-390-2670, www.jmaclending.cm) Purchase & Rate/Term Refinances Fixed and ARMS Fic Scre Max LTV w/ sec. fin. Max LTV w/sec fin. Max TLTV w/sec. fin.
More informationProgram Eligibility Guide Portfolio Conforming/Jumbo Products: Conforming PA51, PA71 Jumbo PA51J, PA71J
Prgram Eligibility Guide Prtfli Cnfrming/Jumb Prducts: Cnfrming PA51, PA71 Jumb PA51J, PA71J [Type text] Table f Cntents 1. Prtfli Cnfrming/Jumb Prduct Matrix and Prduct Cdes...3 2. General Infrmatin...4
More informationScope of the family representation contract
FamilyTariff Family Tariff General Tariff Infrmatin This chapter f LSS Tariffs prvides infrmatin abut hw LSS will cmpensate yu fr family law services that yu prvide t clients. Fr general infrmatin abut
More information2018 Tax Reform Update. John Price & Tony Perricelli
2018 Tax Refrm Update Jhn Price & Tny Perricelli Agenda Individual Tax Changes Crprate Tax Changes Planning & Strategies 2 Tax Refrm Update Timeline f Refrm Legislative Path SENATE CONFERENCE COMMITTEE
More informationProposed Rule to Enhance Consumer Protections and Disclosures for Home Mortgage Transactions
September 17, 2010 Prpsed Rule t Enhance Cnsumer Prtectins and Disclsures fr Hme Mrtgage Transactins By Jseph Gabai Backgrund On August 16, 2010, the Federal Reserve Bard ( Bard ) issued tw prpsed rules
More informationTD Bank Mobile Deposit Addendum to the Online Banking Service Agreement
TD Bank Mbile Depsit Addendum t the Online Banking Service Agreement Please carefully review these terms and cnditins befre prceeding: As a subscriber t the TD Bank Mbile Depsit Service (the "Service")
More informationList of Services that we provide:
All f the cnsultants at AB Slutins cme frm an insurance agency backgrund, and each has a minimum f 20 years experience in Agency Operatins. Our wrk with hundreds f agencies ver the span f decades can ffer
More informationPRE-LICENSURE EDUCATION (PE) TOPIC LIST Effective May 1, 2017
Overview f Mrtgage Lending PRE-LICENSURE EDUCATION (PE) TOPIC LIST Effective May 1, 2017 Histry f the mrtgage industry Start f the mrtgage industry Events which led t the implementatin f the federal laws
More informationZoning Bylaw Amendment Application
Zning Bylaw Amendment Applicatin Prir t submitting a frmal applicatin, yu may wish t cntact the Planning Department fr a preliminary cnsultatin. The Zning Bylaw is a set f regulatins which cntrls land
More informationAccountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses
Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr nearly twenty years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram
More informationAbility to Repay and Qualified Mortgage Rule
Annuncement 14-12 Date: February 11, 2014 Tpic: Clarificatin t Annuncements 13-79, 13-87, 14-02 Regarding Ability t Repay and Qualified Mrtgage Rule This annuncement is intended t prvide further clarity
More informationBusiness Income & Expenses Part II
Chapter 4 Business Incme & Expenses Part II Rental and vacatin prperties Passive incme/lsses Deductins fr AGI Individual Retirement Accunts (IRAs) Other retirement plans Rllver rules 1 Rental Incme/Expenses
More informationTerms and Conditions 19 December 2018
Stck and Shares Lifetime ISA (Prperty Saver) Terms and Cnditins 19 December 2018 These Terms, tgether with the Applicatin Frm, frm a legal agreement between yu and us which sets ut hw the Lifetime ISA
More informationaddress: Driver license number: Date of birth: Occupation:
MEMBERSHIP APPLICATION PRIMARY MEMBER INFORMATION Name: Scial security Member Number: Hme phne: Cell phne: Business phne: Mther s Maiden Name: Security passwrd: Mailing address: City: State: ZIP Cde: Street
More informationFISCAL OFFICER TRAINING MANUAL
FISCAL OFFICER TRAINING MANUAL CONSOLIDATED FISCAL REPORT (CFR) SUBMISSION Business Prcess: (what is it?) The Cnslidated Fiscal Reprt (CFR) is required t be cmpleted by service prviders receiving funding
More informationOverview of proposed amendments to the Regulations and PPR s
Overview f prpsed amendments t the Regulatins and PPR s Presentatin fr: 2016 Insurance Regulatry Framewrk Seminar By: J-Ann Ferreira Nvember 2016 Recap Amendments t LTIA/STIA Regulatins and PPRs will be
More informationAG-AMERICA HOBBY FARM AND RURAL RESIDENTIAL LENDING GUIDE
AG-AMERICA HOBBY FARM AND RURAL RESIDENTIAL LENDING GUIDE Table f Cntents BORROWER ELIGIBILITY... 1 Age f Dcuments... 1 General Overview and Summary... 1 CREDIT ELIGIBILITY... 2 Underwriting, Ratis and
More informationBilling Program Billing Information for Agents
Cmmercial & Persnal Lines Billing Prgram Billing Infrmatin fr Agents A Guide t Understanding Merchants Insurance Grup s Billing Prgram Table f Cntents Click n ne f the titles belw t be taken directly t
More informationAct No. 72 to Amend the Puerto Rico Internal Revenue Code of 2011
June 3, 2015 www.mcvpr.cm TAX ALERT Act N. 72 t Amend the Puert Ric Internal Revenue Cde f 2011 On May 29, 2015, the Gvernr f Puert Ric signed int law Act N. 72 (the Act ) t amend the existing Puert Ric
More informationAttachment H. Neighborhood Impact Program (NIP) Guidelines
. Neighbrhd Impact Prgram (NIP) Guidelines Cntents: 1: Prgram Descriptin 2: Member Participatin and Registratin 3: Funding Use, Limits, and Availability 4: Member Requirements 5: Recipient Requirements
More informationConforming ARM Product Guidelines
Nvember 8, 2013 Cnfrming ARM Prduct Guidelines Purchase Occupancy Units LTV w/ Sec Fin LTV w/sec Fin CLTV Credit Scre Primary 1 90 90 90 620 2 75 75 75 620 3-4 65 65 65 620 Secnd Hme 1 80 80 80 620 Investment
More informationFrequently Asked Questions: Broader Public Sector Procurement Directive
Frequently Asked Questins: Brader Public Sectr Prcurement Directive 1. What is the Brader Public Sectr (BPS) Prcurement Directive? The Brader Public Sectr Accuntability Act, 2010 prvides the authrity fr
More informationPrint this article. Check things off as you collect them, and enter information such as Social Security numbers and cash amounts.
Checklist fr Preparing Yur Incme Tax Return Use the fllwing detailed checklist t gather infrmatin fr preparing yur incme tax return. Nt every categry will apply t yu. Just pick the nes that d apply and
More informationSummary of proposed section 951A GILTI regulations
Delitte Tax LLP Summary f prpsed sectin 951A GILTI regulatins The Treasury and the IRS n September 13 released prpsed regulatins addressing the new Glbal Intangible Lw-Taxed Incme (GILTI) prvisin f the
More information(Purchase & Rate/Term Refinances) Fannie Mae DU
Revisin: May 11, 2018 (Prduct Infrmatin Center, 949-390-2670, www.jmaclending.cm) HmeReady is a new Fannie Mae prgram replacing MyCmmunityMrtgage. HmeReady serves lw-t mderate-incme brrwers, with expanded
More informationINSURANCE GOTCHA CLAUSES IN LEASES. Jon F. ( Chip ) Leyens, Jr. Steeg Law Firm, LLC. Assumptions
INSURANCE GOTCHA CLAUSES IN LEASES Jn F. ( Chip ) Leyens, Jr. Steeg Law Firm, LLC Assumptins The list f ptential gtcha clauses set frth belw is based n the assumptin that with respect t prperty insurance,
More informationRELATE ACCOUNTS PRODUCTION. Limited Liability Partnership (UK) Format
RELATE ACCOUNTS PRODUCTION Limited Liability Partnership (UK) Frmat The Limited Liability Partnership (LLP) frmat fllws the applicable regulatins: Limited Liability Partnership Act 2000 Limited Liability
More informationHESPERIA COMMUNITY LIBRARY WRITTEN PUBLIC SUMMARY OF FOIA PROCEDURES & GUIDELINES Effective July 1, 2015
HESPERIA COMMUNITY LIBRARY WRITTEN PUBLIC SUMMARY OF FOIA PROCEDURES & GUIDELINES Effective July 1, 2015 Pursuant t the requirements f the Freedm f Infrmatin Act (FOIA), the fllwing is the Written Public
More informationSteps to Success. Step 1: Be sure to review the purchase contract for the following items: Step 2: Complete Inspections
Steps t Success Step 1: Be sure t review the purchase cntract fr the fllwing items: The sales cntract shuld be cntingent upn apprval and must indicate 203K financing The seller shuld allw inspectrs, cntractrs,
More informationGuidelines and Recommendations Guidelines on periodic information to be submitted to ESMA by Credit Rating Agencies
Guidelines and Recmmendatins Guidelines n peridic infrmatin t be submitted t ESMA by Credit Rating Agencies 23 June 2015 ESMA/2015/609 Table f Cntents 1 Scpe... 3 2 Definitins... 3 3 Purpse f Guidelines...
More informationseeking these funds cannot propose the use of 9% tax credits.
COMMUNITY DEVELOPMENT COMMISSION/HOUSING AUTHORITY OF THE COUNTY OF LOS ANGELES NOFA ROUND 24-A TERM SHEET On September 11, 2018, the Cmmunity Develpment Cmmissin f the Cunty f Ls Angeles (CDC) and the
More informationTECHSHOP, INC. NOTICE OF LIQUIDATION EVENT
TECHSHOP, INC. NOTICE OF LIQUIDATION EVENT T the Hlders f Series A Preferred Stck and Series B Preferred Stck f TechShp, Inc., a Califrnia crpratin ("TechShp"): As yu may have heard, TechShp ceased peratins
More informationNYISO Expectations of Generator Operation During a Gas Restriction or Interruption User s Guide
NYISO Expectatins f Generatr Operatin During a Gas Restrictin r Interruptin User s Guide Intrductin: On days when gas system reliability culd be at risk, the Lcal Distributin Cmpany ( LDC ), interstate
More informationSoftPro Closing Disclosure Form
DO NOT EDIT THIS DOCUMENT SftPr Clsing Disclsure Frm Release Ntes Standard 20 HF3 December 3, 2015 DO NOT EDIT THIS DOCUMENT 4800 Falls f Neuse Rad, Suite 400 Raleigh, NC 27609 p (800) 848-0143 f (919)
More informationPROOF OF CLAIM AND RELEASE
Deadline fr Submissin: FEBRUARY 16, 2015 Tel.: 866-274-4004 Fax: 610-565-7985 inf@strategicclaims.net PROOF OF CLAIM AND RELEASE IF YOU PURCHASED OR OTHERWISE ACQUIRED AMERICAN DEPOSITORY SHARES ( ADS
More informationSummit Bank Partner CLOSING FILE SUBMISSION FORM
Summit Bank Partner CLOSING FILE SUBMISSION FORM Brwer(s): Prperty Address: Clsing Date: Saummit Lan Number: Clsing Time: Disbursement Date: Bank Partner: Prcessr: Lan Officer: All can be scanned and emailed
More informationSiding Program Application
Siding Prgram Applicatin Please read the attached Plicy Guidelines and prvide the requested infrmatin. 1. Address f Prperty: 2. Applicant s name & mailing address: Telephne: ( ) - E-mail 3. Applying fr:
More informationAttachment H. Neighborhood Impact Program (NIP) Guidelines
Attachment H. Neighbrhd Impact Prgram (NIP) Guidelines Cntents: 1: Prgram Descriptin 2: Member Participatin and Registratin 3: Funding Use, Limits, and Availability 4: Member Requirements 5: Recipient
More information