In November of 2008, Fannie Mae and Freddie Mac published their requirement for appraisers to use the new “Market Conditions Addendum” for all appraisals done after April 1, 2009. Through Mortgagee ...
Effective for case number assignments on or after April 1, 2009, the loan-to-value (LTV) of any cash-out refinance to be insured by FHA may not exceed 85 percent of the appraiser's estimate of value.
When a homebuyer needs financing insured by the Federal Housing Administration or the Department of Veterans Affairs, the real estate sales contract must include an addendum that gives the buyer ...
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