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RENTAL INCOME2—6

PREMIUM PRICING2—7

ASSIGNMENT/TRANSFER OF CASES2—7

VERIFICATION OF EMPLOYMENT2—8

GIFT FUNDS2—8

AUTOMATED UNDERWRITING SYSTEMS2—9

ADJUSTABLE RATE MORTGAGES2—9

MAXIMUM MORTGAGE LOAN CALCULATIONS2—10

REFINANCES2—11

DEBT TO INCOME RATIO2—12

RISK ANALYSIS2—13

CLOSING COSTS2—13

EARNED INCOME CREDITS2—15

CHILD SUPPORT2—15

3 CHAPTER THREE MISCELLANEOUS POLICIES3—1

MORTGAGEE APPROVALS3—2

EXTRA TERRITORIAL APPROVAL3—3

AUTHORIZED AGENT3—4

PRE-CLOSING3—4

DOWN PAYMENT ASSISTANCE PROGRAMS (DAP)3—6

HOMEBUYER EDUCATION3—7

FHA CONNECTION3—8

HUD/FHA ON THE INTERNET3—10

VERIFICATIONS & DOCUMENTATION3—12

4 CHAPTER FOUR ATTACHMENTS4—2

LEGAL CERTIFICATION FORM4—3

PRE-CLOSING CASE BINDER COVER SHEET4—4

MCRV CONVERSION CHECKLIST4—5

CHECKLIST FOR PROPOSED, UNDER CONSTRUCTION AND NEW PROPERTIES4—6

LOCAL AUTHORITY CONSTRUCTION INSPECTIONS ACCEPTANCED BY HUD4—8

Copy Printed: REVISION  I

   02/16/02TC - ii     Revision Effective: 05-30-00

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