What Credit Score Is Needed For An FHA Mortgage? Having Issues with Seeing this Page Correctly? Mortgage Banks (Like JVM) Can Broker Loans Too! .blog-banner-shortcode .new-buttons a.new-btn:hover { Additional information may be required. -webkit-box-orient: vertical; If a use of land, a building, or a structure was legal on Monday, a zoning by-law passed that day cannot render it illegal by Tuesday. The use has the same or lesser parking requirement as the existing or previous use; or 2. font-size: 18px; %Y"j idPZk~TTTT+EYb |aII$~DN|+k=ijH|3!Ez+$)1s%kiQ$&tVP|[L?aDHNNJ* } Except as provided in this Section, a non-conforming use may be changed to any conforming use, and the applicable district bulk regulations and accessory off-street parking . personal property (per the Uniform Commercial Code). a legal non-conforming (grandfathered) use, an illegal use under the zoning regulations, or that there is no local zoning. FHANewsblog.com is a digital resource that publishes timely news, information and advice concentrating on FHA, VA and USDA residential mortgage lending. Always consult with a qualified legal professional before taking action. Lease Purchase, Lease Options, Tax Liens, Notes, Paper, and Cash Flow Discussions, Private Lending & Conventional Mortgage Advice, Real Estate Guru, Book & Course Reviews & Discussions. Confirm the zoning and land use laws and regulations permit the applicable, If non-conformance would result in a loss of 20% or more of the, full casualty and assuming the insurance proceeds are insufficient to fully prepay the, deliver structured data per the Zoning Report Data Supplement (, the continued marketability and economic viability of the, the percentage of damage that could occur before the, the amount and type of insurance coverage maintained by the, Americans with Disabilities Act compliance, and. The lenders are refusing to allow an FHA residential loan for the property. .blog-banner-shortcode ul NOTE: Rebuild and/or Legal Non-Conforming Use Determination Letters taken a minimum of seven (7) working days to complete once Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. Great Opportunity For Buyers! & Insights, Pricing & $494: see above: 2 weeks Comprehensive Research Letter. If a property constitutes a legal, non-conforming use of the land and is a one- to four-unit property or a unit in a . 1 0 obj } $5,703: Schedule a Virtual Appointment or In-Person Appointment: 6 months: Planned Development (PD . All of those criteria must be met if the improvements are to be considered as the highest and best use of a site. Fannie Mae customers! version of a page. 135 0 obj <> endobj content: ""; They are prospective not retrospective in nature. The property is in a strictly residential neighborhood - no confusing zoning at all. 3 0 obj For the purposes of this Chapter, a change of use is a change to another use listed in the same or any other Use Group. You can contact JVM Lending's team if you have any questions about property types, mortgage interest rates, or getting pre-approved for a home loan. <> If a property fronts on a street that is not typical of those found in the community, the appraiser must address the effect of that location on the value and marketability of the subject property. You cannot stop the use you were making of the property and then start it again later. The owners of the subject property must have the right to access those facilities, which must be viable on an ongoing basis. SecureRights Advertiser Contact Information. .blog-banner-shortcode .banner-blog-shortcode-button If public sewer and/or water facilities, those that are supplied and regulated by the local government, are not available, community or private well and septic facilities must be available and utilized by the subject property. As far as the reader question goes, the issue here may have much to do with lender standards and/or state law or local code compliance. text-align: center; Ct. Spec. How are FHA home loans affected by zoning laws? There is no way to expedite it. <>/Metadata 69 0 R/ViewerPreferences 70 0 R>> It's nothing unusual. Off-site improvements include, but are not limited to, streets, alleys, sidewalks, curbs and gutters, and street lights. Nonconforming use, buildings or lots are those which were legally established, but do not fit with the current zoning ordinance, typically due to subsequent changes in zoning. display: -ms-flexbox; Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. I am also half way around the world, so finding it tricky to get them on the phone. } Credit Monitoring For First-Time Home Buyers, FHA One-Time Close Construction Loan Limits Are Higher In 2023. Subscribe to JVM's monthly newsletter to stay up-to-date on housing, mortgages, and interest rates. If a use of land, a building, or a structure was legal on Monday, a zoning by-law passed that day cannot render it illegal by Tuesday. It is clearly residential use in commercial zoning. Improvements, and color: #fff !important; } The theory of legal non-conforming uses and legal non-complying buildings and structures is that they will eventually die out and fade away. Subscribe here to have our renowned blog emailed daily. Whey would they refuse to abide by the rules you state?" Please take a few minutes to watch a short training video. position: absolute; -ms-transform: translateX(300px) skewX(-15deg); This is Chicago, houses, factories, commercial spaces, etc are converted to condos all the time. -ms-flex-direction: column; The term "nonconforming use" actually covers several situations, including nonconforming uses, lots and structures. LEGAL NON-CONFORMING USE DETERMINATION LETTER ($176.00) _____ COMPLIANCE INSPECTION AND LETTER ($301.00) _____ Fees: Submittal of this application and review fee is required in order to process this application (checks payable to the City of . We recommend that you use the latest version of FireFox or Chrome. { display: -webkit-box; Founder/Broker | JVM Lending The developer will suffer a loss because instead of building additional units, he must now set aside space for the parking area. <>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> City Hall, 121 N. LaSalle St.Room 1000Chicago, Illinois 60602Hours: 8:30 a.m. to 5 p.m. Zoning MapZoning CodeJoin DPD's Email ListRecent NewsInteractive TIF PortalCity-Owned Land Inventory, We Will ChicagoINVEST South/WestNeighborhood Opportunity FundIndustrial Corridor ReviewChicago PACELarge Lots, An official website of the City of Chicago, City Council Office of Financial Analysis, Community Commission for Public Safety & Accountability, Local IndustrialRetention Initiative (LIRI), Feb 17, 2023 - City Of Chicago, 548 Enterprise, And Related Midwest Break Ground On Industrial Site And Innovation Center In North Lawndale, Feb 16, 2023 - We Will Chicago Planning Process Culminates With Adoption By The Chicago Plan Commission, Feb 10, 2023 - Mayor Lightfoot Announces Twelve Recipients Of $27 Million In Community Development Grants, Feb 1, 2023 - City Assistance to Create West Ridge Home for American Blues Theater, Feb 1, 2023 - TIF Funding Proposed for German American Cultural Center. The lenders are refusing to allow an FHA residential loan for the property. Because rebuild letters are a matter of legal interpretation of city code for consideration by private counsel, the City of Fernley will not make any This is an issue under the zoning by-laws. HUD 4000.1 adds: The Appraiser must determine if current use complies with zoning ordinances. Thanks, Paul Philadelphia, Pennsylvania 0 Votes The Appraiser must analyze and report any adverse effect that the non-conforming use has on the Propertys value and marketability, and state whether the Property may be legally rebuilt if destroyed." Speak to a lender if you aren't sure how these rules may apply to your transaction. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. } display: block; That said, anytime you encounter older FHA loan information that references HUD 4155.1 or other rulebooks, its best to double check your information with the current requirements as listed in HUD 4000.1. FHANewsBlog.com is privately funded and is not a government agency. How Can Builders Offer 3%+ Rates In a 6%+ World? We know how big of a milestone it is to purchase a home and our Super Team of Mortgage Analysts is available to help guide you through the process every step of the way. Some products may not be available in all states and restrictions may apply. This is an example of: Select one: A. overflow: hidden; This question is in reference to a 2011 blog post titled, Can I Get An FHA Loan For A Commercial Property? The FHA loan rules quoted in that post have since been superseded in their entirety by HUD 4000.1, though some rules may have transferred more or less intact. The house on the property was substantially damaged by Hurricane . -webkit-box-direction: normal; hbbd``b`@>'@D"` Visit Selling and Servicing Guide Communications and Forms. fee simple or Leasehold interest, Since its formation in 2006, JVM Lending has been committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry. I reached out to the zoning department but not getting anywhere with them. Processing time may take up to 30 days. 13-8 4 (Exh. ), Selling, Securitizing, and Delivering Loans, Chapter B4-1: Property Assessment and Valuation, Section B4-1.3: Appraisal Report Assessment, Research These are often referred to as grandfathered in or grandparented in. Fannie Mae will only purchase or securitize a mortgage that represents the highest and best use of the site as improved. transform: translateX(300px) skewX(-15deg); } The appraiser determines highest and best use of a site as the reasonable and probable use that supports the highest present value on the effective date of the appraisal. & Technology, News & 5 As the Fifth District Court of Appeal noted in Lewis v. City of Atlantic Beach, 467 So. The reader question doesnt address the legal non-conforming issue mentioned above. LDRS (Land Development Review Search) For Projects Submitted BEFORE August 8, 2022 - Click Here. Execution, Learning information from other Fannie Mae published sources. Joe Wallace has been specializing in military and personal finance topics since 1995. He is going to petition them to waive the request for this letter. These legal nonconforming uses are allowed to continue. Has anyone had experience with getting a rebuild letter from Philadelphia? More Definitions of legal non-conforming use. Speak to a loan officer to learn more about non-FHA rules and regulations that may affect your transaction. b. Any non-residential use of the Property must be subordinate to its residential use, character and appearance. (or attach a legal description i.e. The opinions presented on FHAnewsblog.com should not be construed as representing the official opinions of any government agency. Lenders will not lend unless they know their collateral can be rebuilt if a fire (or another disaster) occurs. justify-content: center; Nonconforming lot means a legally established lot, the area, dimensions or location of which met the applicable Zoning Code requirements in effect at the time the lot was created, but which fails by reason of such adoption, revision or amendment of the Zoning Code, to conform to the present requirements of the zone in which it is located. Generate a Rebuild Letter (Restoration of Damaged Nonconforming Buildings) A self-serve, online system that generates the "Rebuild Letter" to confirm rebuild-ability rights for buildings. -webkit-transition: 0.7s; 2011 blog post titled, Can I Get An FHA Loan For A Commercial Property?. Improvements, and The concept provides that, simply put, zoning by-laws cannot apply retroactively. A Rebuild Letter states that an existing structure (conforming or nonconforming) may or may not be . Illegal nonconformities are structures or uses built without a permit and violates a portion of { transform: translateX(300px) skewX(-15deg); JVM Lending prides itself on having some of the lowest rates available and our unique No Loan Officer Model. You can view our daily quoted rates and scenarios posted, . .blog-banner-shortcode Look for another lender. The appraiser must comment on any adverse conditions and address their effect on the value and marketability of the subject property. .blog-banner-shortcode ul li personal property (per the Uniform Commercial Code). You can contact JVM Lendings team if you have any questions about property types, mortgage interest rates, or getting pre-approved for a home loan. Our team is available 7 days a week and guarantees 60-minute response times to inquiries via phone at 855-855-4491 or via email at jvmteam@jvmlending.com. 94596. font-weight: bold; This Is SHOCKING! dc. We've been listening to your feedback and are excited to share the newest version of the Single-Family Seller/Servicer Guide. 51-00 Purpose of Regulations Governing Non-Conforming Uses and Non-Complying Buildings. If Property is legal non-conforming, evidence of zoning code's rebuilding requirements to rebuild the current improvements in case of casualty or condemnation. The closing date was supposed to be July 9 and the mortgage contingency date is June 29. The rules regarding non-conforming use typically include the following: Require that the use continue. For example, the appraiser may not appraise only 5 acres of an unsubdivided 40acre parcel. -webkit-filter: blur(5px); filter: blur(30px); A), 7/11/17) 17.05.050 Elimination of Legal Nonconforming Uses and Structures. Basic Research/Rebuild Letter. This is not ideal, I like the deal we got from our lender and it's likely not going to be replicated. text-decoration: none; Additional information may be required. Preexisting land uses that do not conform to current . (For best result, pose your search like a question. } } , you must: If the Property'sProperty'sMultifamily residential real estate securing the Mortgage Loan, including the Copyright JVM Lending 2023. They speak to the future and not the past. I was about toclose on arefi when my mortgage company through me a curve ball needing a structural report anda rebuild letter. Refinance. position: relative; Because amenities, easements, and encroachments may either detract from or enhance the marketability of a site, the appraiser must reflect them in the analysis and evaluation. Any pole sign which loses its legal non-conforming status shall be removed by the later of January 1, 2015, or six months after such change of status. If non-conformance would result in a loss of 20% or more of the Property's unit count, confirm the Improvements can be reconstructed per current zoning requirements and building codes to a level that would support a minimum 1.00 amortizing DSCR in case of p_oYN:1J(iX7S=y==bT NN^iTOI$Bc$mcTGI#jv Zq{_\Upi^!tGF'"Q$;S`wP$vF@Sa%D5 0a^]iot|H*ZG/`y!T5% BVZGL{fS,l&twuQB+7(4TK`we]]0IH*lyi*dbD>FoBEDn*QrLe. border-radius: 4px; (For best result, pose your search like a question. fee simple or Leasehold interest, Legal nonconformities are structures or uses that have received building and zoning permits previously under the regulations in place at the time of construction. The appraisal must include the actual size of the site and not a hypothetical portion of the site for the subject property. These lots were legal when they were subdivided but do not meet the current requirements for width, depth, access, or other requirements. font-weight: 700; I am also half way around the world, so finding it tricky to get them on the phone. The reader question implies that the property meets the above criteria, being an actual residence in spite of the zoning. existing non conforming lot the intention is to tear down and rebuild a new single family residence with a 2 car garage the proposed new home #top #wrap_all .blog-banner-shortcode #blog-banner-shortcode-subheading Visit Selling and Servicing Guide Communications and Forms. To add some more back story - I'm buying a condo in Chicago. font-size: 18px; Are You Ready To Buy A Home With An FHA Mortgage? opacity: 0; Rebuild Letter application Supporting Information Facts Department: Planning and Development Zoning Ordinance Administration Contact DPD It has only (1) Certificate of Occupancy recorded with the city of Los Angeles and that CofO says it's a legal 10 unit apartment building. } -webkit-justify-content: center; Whey would they refuse to abide by the rules you state?. } hb```f`` ,@QeptAGXXiiY Q ($Y8 =@m+x012lh: inF=; F+! 00{*0C ,k @media(max-width: 480px) ), Selling, Securitizing, and Delivering Loans, Research Ann. The appraiser must comment if the site has adverse conditions or if there is market resistance to a property because the site is not compatible with the neighborhood or the requirements of the competitive market, and assess the effect, if any, on the value and marketability of the property. -ms-transform: translateX(-100px) skewX(-15deg); A hard refresh will clear the browsers cache for a specific page and force the most recent Mon Fri: 8am 6pm* background: #E5F5F7; "metes & bounds): _____ _____ Existing Land Use & Conditions: Description (briefly describe all . It's going to take up to 30 business days to obtain this letter from the city. Center, Apps %PDF-1.5 1. endobj endobj Invest in real estate and never run out of money! If you still have Technical Support questions, Fannie Mae will not purchase or securitize a mortgage secured by a property that is subject to certain land-use regulations,such as coastal tideland or wetland laws, that create setback lines or other provisions that prevent the reconstruction ormaintenance of the property improvements if they are damaged or destroyed. transform: translateX(-100px) skewX(-15deg); For informational purposes only. FHANewsblog.com is a private company, not affiliated with any government agency, is not a lender and does not offer to make loans. @media (max-width: 600px) { REtipster does not provide legal advice. It is clearly residential use in commercial zoning. Track the progress and view documents associated with developments in our Land Development Review Search (LDRS) system. 1 0 obj If you have additional questions, Fannie Mae customers can visit Ask Poli to get You can erase, text, sign or highlight of your choice. 2023 FHANewsBlog.com | All Rights Reserved, Site Map | Terms of Service | Privacy Policy | About Us |SecureRights Advertiser Contact Information. .blog-banner-shortcode ul li .banner-blog-shortcode-button The subject property should front on a publicly dedicated and maintained street that meets community standards and is generally accepted by area residents. Our team is available 7 days a week and guarantees 60-minute response times to inquiries via phone at 855-855-4491 or via email at, Lenders/Realtors Are On The Same Team; Loan Approvals Are Complex. Our team is available 7 days a week and guarantees 60-minute response times to inquiries via phone at 855-855-4491 or via email at[emailprotected]. The VA One-Time Close is a 30-year mortgage available to veteran borrowers. real estate investing strategy that makes financial freedom I'm going to talk to a mortgage broker today anyway. w{onD:u left: 30px; For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. Applications require a $150 filing fee. Improvements, and 2 0 obj For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. CPaXp"r.8H. I've talked to the lender, someone at the collateral review department is requesting this letter. For additionalinformation, seeB4-1.3-04, Site Section of the Appraisal Report. margin: 0; Our goal is to educate our readers as to the many ways they can achieve home ownership. This requirement applies to all property types. 17-10 5 (Exh. Private well or septic facilities must be located on the subject site, unless the subject property has the right to access off-site private facilities and there is an adequate, legally binding agreement for access and maintenance. endstream endobj startxref personal property (per the Uniform Commercial Code). 1485, Sept. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. Site by WebCherry. Welcome to an improved Seller/Servicer Guide. stream left: 0; background: rgba(255, 255, 255, 0.5); The last client I had ask for a rebuild letter started the conversation by asking how much I would charge to get it for them. gap: 12px; is not allowed to rebuild the Property as is under current law. display: flex; The information in this article can be impacted by many unique variables. and (3) the use which is allegedly legal non-conforming. { So borrowers, agents, and sellers alike should know that while FHA home loans have FHA guidelines which have an important part to play in loan approval, they are not the sole guidance or set of regulations which must be heeded. border-radius: 6px; If the existing Property does not comply with all of the current zoning ordinances but is accepted by the local zoning authority, the Appraiser must report the Property as Legal Non-Conforming and provide a brief explanation. here. Vaccines protect you and the people around you, reducing the spread of COVID-19. What is a Rebuild Letter? s ability to rebuild ImprovementsImprovementsBuildings, structures, improvements, and alterations, including the multifamily housing dwellings, now constructed or hereafter constructed or placed on the land upon which the Property is located, together with all fixtures (as defined in the Uniform Commercial Code). If the use of comparable sales demonstrates that the improvements are reasonably typical and compatible with market demand for the neighborhood, and the present improvements contribute to the value of the subject property so that its value is greater than the estimated vacant site value, the appraiser should consider the existing use as reasonable and report it as the highest and best use. Grandfathering balances the private property rights of land owners against the public need to regulate land use. } (855) 855-4491 | DRE# 1197176, NMLS# 310167. For information regarding accessory units that comply or do not comply with zoning, see B4-1.3-05, Improvements Sectionof the Appraisal Report. 1415 Rexford Drive Certificate of Occupancy. For improvements to represent the highest and best use of a site, they must be legally permitted, financially feasible, and physically possible, and must provide more profit than any other use of the site would generate. position: absolute; more attainable than ever. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short-term loan services. endobj 193 0 obj <>stream .blog-banner-shortcode ul li:first-child .banner-blog-shortcode-button 0 Action shall be immediately commenced for abatement, removal and . { -ms-flex-pack: center; Always identify the feature that does not conform to current zoning. <> Kiesling v. Long, No. display: flex; Pray that this letter miraculously takes half the time it normally does. Applications require a $150 filing fee. aqRu"24nY+w^Vkj]e2 2t8mFi11 Events, Community-Owned or Privately Maintained Streets, B4-1.3-05, Improvements Section of the Appraisal Report, B4-1.4-08, Environmental Hazards Appraisal Requirements, B7-3-06, Flood Insurance Requirements for All Property Types, How to do a hard refresh in Internet Explorer. buying two houses per month using BRRRR. Get your personalized instant rate quote: Jay Voorhees The letter identifies the current zoning district and legal number of units on record for a specific property. Wait in a petient way for the upload of your Application For Non-Conforming Use. Neither FHAnewsblog.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. Usually the owner loses the right to rebuild if 50 percent or more of the structure is damaged. display: flex !important; } If you have questions about the purchase process, you can also view ourPurchase Process Overview here. Fannie Mae will not purchase or securitize a mortgage secured by a property that is subject to certain land-use regulations, such as coastal tideland or wetland laws, that create setback lines or other provisions that prevent the reconstruction or maintenance of the property improvements if they are damaged or destroyed. Learn more atLearn more at Chicago.gov/COVIDVax. Non-residential use may not impair the residential character or marketability of the Property. -webkit-transition: 0.7s; The zoning compliance must be either legal non-conforming or legal conforming; however, if a . 2 0 obj min-width: 196px; Get your personalized instant rate quote: Enter the associated parcel/tax schedule number or change the search type by using the drop menu. margin: 0 0 12px !important; Click "Download" to save the changes. from a zoning consultant, you must: To assess the BorrowerBorrowerPerson who is the obligor perthe Note. However, Fannie Mae will purchase or securitize a mortgage for a property that constitutes a legal, non-conforminguse of the land provided the use of the land and the appraisal analysis reflects anyadverse effect that the non-conforming use has on the value and the marketability of the property. % { Legal Non-Conforming structures can be an excellent way to diversify an investment portfolio. Nonconforming use in urban planning is a type of zoning variance where a parcel of land may be given an exception from current zoning ordinances due to improvements made by a prior owner or before the current zoning ordinances made the desired use non-conforming under local law. use and/or characteristics are legally non-conforming under applicable zoning or land use laws and regulations and the affected ImprovementsImprovementsBuildings, structures, improvements, and alterations, including the multifamily housing dwellings, now constructed or hereafter constructed or placed on the land upon which the Property is located, together with all fixtures (as defined in the Uniform Commercial Code). 5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. { Tagged with: FHA Loan, FHA Loan Questions, FHA Loan Rules, FHA Loans, Real Estate. <>>> The presence of sidewalks, curbs and gutters, street lights, and alleys depends on local custom. Multifamily residential real estate securing the Mortgage Loan, including the It is important to note that all zoning by-laws are forward looking. In practice, they both can remain relevant for a very, very long time. A "nonconforming structure" is defined as "a dwelling or other building that existed lawfully before the current zoning ordinance was enacted or amended, but that does not conform with one or more of the development regulations in the current zoning ordinance." "Development regulations" are defined as "the part of a zoning ordinance that applies Modifications to Multifamily Loan and Security Agreement (Legal Non-Conforming Status, Registration and Multifamily Affordability Estimator, Key Principals, Principals, and Guarantors, Escrow Requirements for Taxes and Insurance, Rehabilitation Work Costing More than $20,000 Per Unit, Continuing Care Retirement Communities (CCRCs), Multifamily Affordable Housing Properties, Restrictive Covenants and Affordable Regulatory Agreements, Refinancing Section 236 Properties IRP is Maintained, LIHTC Properties Lender Equity Interest, Transactions with Fannie Mae Debt and Equity Interests, Borrower, Key Principals, Guarantors, and Principals, ARM 5/5 Loan Optional 5-Year Adjustable Rate Term Renewal Eligibility, Structured Adjustable Rate Mortgage (SARM) Loans, Hybrid Adjustable Rate Mortgage (Hybrid ARM) Loans, Split Mortgage Loans and Bifurcated Mortgage Loans, Fannie Mae LIHTC Investment in Credit-Enhanced Bonds, Taxable Tails and Supplemental Mortgage Loans, Moderate Rehabilitation Mortgage Loan with Side-by-Side Bond Financing, Third Party MBS Investor Delivery Scenarios, ARM 5/5 Optional 5-Year Adjustable Rate Term Renewal, Credit Enhancement Mortgage Loan Committing and Delivery, Collection, Tracking and Reporting of Monthly P&I Payments and T&I Amounts, Reporting Loan Activity and Security Balance, ARM Loan Interest Rate and Monthly Payment Changes, Partial Prepayments Not From Insurance or Condemnation Proceeds, Prepayments (Full or Partial) Involving Insurance Proceeds or Condemnation Awards, DUS Bond Credit Enhancement Transactions Reporting and Remitting Requirements, Reporting Collateral Balances in Custodial Accounts, Internal Revenue Service Reporting Requirements, Asset Management: Loan Document Administration, Delegation of Decision-Making Authority; Retention of Outside Legal Counsel, Execution of Documents by Servicer Limited Power of Attorney, Notice of Lien or Noncompliance with Applicable Laws, Ordinances and Regulations, Casualty Losses Performing Mortgage Loans, Casualty Losses Non-Performing Mortgage Loans, Credit Enhancement Mortgage Loans and Multifamily Affordable Housing Properties, MH Communities with Tenant Site Lease Protections, Secondary Risk Mortgage Loans and Primary Risk Mortgage Loans, Capital Repairs and Protection of Property and Property Income, Reinstatement; Calculation of Payoff Amount, Non-Performing Primary Risk Mortgage Loans Transfers to Fannie Mae Special Asset Management, Non-Performing Secondary Risk Mortgage Loans Special Servicing, Special Servicing of Primary Risk Mortgage Loans, Loss Sharing and the Appraisal Process in connection with a Foreclosure Event, Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance.
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