HUD HOC Reference Guide
Subject Index

- 2 -

• 203(k) Appraisals - page 1-10
• 203(k) Commercial Use - page 1-17d
• 203(k) Consultants - page 1-10
• 203(k) Hawaiian Home Lands, ADP Code - page 1-14
• 203(k) Inspection Fees - page 1-5
• 203k(k)Loan fees - page 2-15
• 203(k) Rehabilitation Program, General - page 1-10
• 203(k) UFMIP - page 3-1
• 203(k) Regular & Streamline - page 1-10
• 223(e) Declining Urban Areas - page 1-11

- A -

• Address mismatch - page 3-1
• Adjustable rate mortgages - page 2-13
• Airports - page 1-18a
• Aliens - page 2-7
• Appliances - page 1-22
• Appraisal expiration - page 1-6
• Appraisal extension - page 1-6
• Appraisal fee - pages 1-4, 1-5
• Appraisal firms - page 1-5
• Appraisal forms - pages 1-5, 1-6, 1-18
• Appraiser selection - page 1-7
• Appraiser websites - page 1-7
• Appraiser, roster renewels, license & address updates - page 1-7
• Appraiser, supervisory - page 1-5
• Appraiser roster eligibility - page 1-7
• Appraising refinances - page 1-4
• Appraising reverse mortgages (HECM) - page 1-12
• Asbestos - page 1-18h
• Attics and roofs - page 1-24
• Automated underwriting systems (AUS) pages 2-12, 2-14, 2-15, 3-1
• Avalanche hazards - page 1-18j

- B -

• Basements - pages 1-8c, 1-9, 1-18, 1-25
• Builder's certification of plans, specifications, & site (Form HUD 92541) - pages 1-8c, 1-18

- C -

• CAIVERS (credit alert interaction voice response system) - pages 1-7, 2-9, 2-19
• Case binder - pages 1-8c, 1-21, 1-23, 2-9, 2-14
• Cash back, no cash back - pages 1-4, 2-15, 2-19
• Cisterns - page 1-21b
• Citizenship and immigration status - page 2-7
• Claims without conveyance of title (CWCOT) - page 2-15
• Clearing conditions on existing homes - page 1-22
• Closing costs and other fees - page 2-15
• Code enforcement - page 1-22
• Commercial use (mixed use properties) - pages 1-10 , 1-17d
• Community sewerage systems - page 1-20
• Community water systems - page 1-21a
• Condominiums - page 1-28
• Condominium projects (flood zones) - page 1-18c
• Construction and new homes - page 1-8
• Construction definitions - page 1-8b
• Construction inspections - page 1-8f
• Construction, Appraisals of new construction - page 1-8a
• Construction, general requirements - page 1-8c
• Construction, required documents - page 1-8c
• Credit denials - page 2-16

- D -

• Debt-to-income ratios - page 2-12
• Declining urban areas - page 1-11
• Defective paint - pages 1-12, 1-18d
• DHHL (Dept Hawaiian Homelands) - page 1-14
• Direct distribution center - page 3-4

- E -

• Early start letters - page 1-08b and 1-08c
• Electrical service - page 1-26
• Electrical transmission towers and lines - page 1-18f
• Endorsement documents (new construction) - page 1-8c
• Excess land - page 1-17c
• Existing construction, Definition - page 1-8b
• Expiration of appraisals - page 1-6

- F -

• Fannie mae appraisal form 1004 (URAR) - page 1-5
• Fannie mae appraisal form 1004c (Manufactured home appraisal report) - page 1-5
• Fannie mae appraisal form 1025 (Small residential income property) - pages 1-3, 1-5
• Fannie mae appraisal form 1073 (Condo) - page 1-5
• Fees & forms, appraisal & inspection - page 1-5
• FHA connection, in use - pages 1-7, 2-16, 2-17, 3-2, 3-6
• FHA connection, website and general information - pages 3-1, 3-7
• Final inspections - page 1-8f
• Financial institution reform, recovery and enforcement act of 1989 (FIRREA) - page 1-4
• First-time homebuyers - page 3-2
• Flat roofs - page 1-24
• Flood areas and manufactured homes - page 1-9a
• Flood areas, general - pages 1-8c, 1-18c, 2-19
• Flood zones and insurance - page 1-18c
• Floor heaters - page 1-26
• FNMA (Federal national mortgage association), forms - page 1-3, 1-5
• Forest and farm property tax deferral programs - page 1-17f
• Forms, ordering - page 3-4

- G -

• Gift funds - pages 2-4, 2-5, 2-10, 2-11
• Gross rent multiplier - page 1-3

- H -

• Handbooks, Mortgagee letters & forms - page 3-4
• Hawaiian home lands - General eligibility - page 1-14
• Hawaiian home lands - ADP code - page 1-14
• Hawaiian home lands - Appraisals - page 1-14
• Hawaiian home lands - DHHL consent to mortgage - page 1-14
• Hawaiian home lands - Eligible leases - page 1-14
• Hawaiian home lands - Life estate - page 1-14
• Hawaiian home lands - Mortgage insurance premium - page 1-14
• Hawaiian home lands - Native Hawaiian eligibility - page 1-14
• Hawaiian home lands - Principle residence requirement - page 1-14
• Hawaiian home lands - Real property taxes - page 1-14
• Hawaiian home lands - Recordation - page 1-14
• Hawaiian home lands - Title evidence - page 1-14
• Hazards and nuisances - page 1-18
• Heating & electrical - page 1-26
• HECM - page 1-12
• Home inspection fee - page 1-1
• Home inspections - page 1-22
• Hydrogen sulfide gas - page 1-18g

- I -

• Income approach - page 1-3
• Increase in family size - page 2-2
• Individual sewer system - page 1-20
• Individual water systems - page 1-21b
• Inspection fees - page 1-5
• Inspections and Mileage Fees - pages 1-5ua, 1-05us.cfm
• Inspections, final - page 1-8f
• Inspections, local - page 1-8fa
• Interest buy-downs - page 2-13

- K -

• 203(k) Rehabilitation mortgage - page 1-10

- L -

• Lava flow zones - page 1-18i
• LDP (Limited denial of participation) - pages 2-19
• Lead-base paint , defective paint - pages 1-12, 1-18d
• Lender approvals - pages 3-1, 3-5, 3-6
• Lender transfers - page 2-17, 3-1
• Local authorities - page 1-26
• Loacal building departments and inspections - pages 1-15, 1-18, 1-19, 1-20, 1-22, 1-26, 1-27

- M -

• Manufactured homes - Additions, modifications - page 1-9b
• Manufactured homes - Age requirements - page 1-9c
• Manufactured homes - eligibility and general requirements - page 1-9a
• Manufactured homes - foundation compliance - page 1-9d
• Manufactured homes - site (title II) - page 1-9e
• Manufactured homes - special state requirements - page 1-9b
• Manufactured homes - Title I - page 1-9g
• Manufactured homes -tags and seals - page 1-9f
• Master appraisal (MA)(MAR) fees - page 2-15
• Maximum mortgages for purchase transactions - page 2-18
• Mechanical certifications - page 1-26
• MIC Corrections - page 3-03
• Mileage fee (inspections) - page 1-5, 2-15
• Mixed use properties - page 1-10, 1-17
• Minimum property standards (MPS) page 1-8d
• Modular construction - page 1-9a
• Mortgagee letters - page 1-2, 3-4, 3-7
• Move-ons (House Relocations) - page 1-17e

- N -

• Native American Lands - page 1-13
• Non-occupying co-borrower - page 2-3
• Non-purchasing spouse - page 2-8
• Nonresidential use (also see Mixed Use) - page 1-10, 1-17d, 1-28
• Nuisances and hazards - page 1-18

- O -

• Oil and gas, tanks and lines - page 1-18g
• Other internet links - page 3-7
• Overhead high voltage transmission towers and lines - page 1-18f

- P -

• Permanent foundation guide for manufactured housing - page 1-9a
• Pest control - reports, appraiser’s observation, and condition clearance - page 1-23
• Pest reports on condominiums - page 1-23
• Poor condition properties - page 1-22
• Power lines - page 1-18f
• Pre-approval of new site (new construction) - page 1-8b
• Pre-closing test cases - page 3-6
• Premium pricing - page 2-6
• Private roadways - page 1-15
• Propane tanks - page 1-26
• Property eligibility references - page 1-2
• Proposed construction definition - page 1-8b
• Purpose & scope - page 1-1

- R -

• Radon - page 1-18e
• Railroad tracks - page 1-18b
• Refinances - page 1-4, 2-19
• Rehabilitation program 203(k) - page 1-10
• Rejecting properties - page 1-9b, 1-22
• Relocation of borrower - page 2-1
• Relocation of property (also see move ons) - page 1-17e
• Relocation - page 2-1
• Rental income - page 2-10, 2-21
• Repairs conditions - page 1-22
• Repairs conditions, excessive repairs - page 1-22
• Reverse mortgages (HECM) - page 1-12
• Reverse mortgages, appraisals & conditions - page 1-12
• Reverse mortgages, general - page 1-12
• Risk analysis - page 2-20
• Roofs and attics - page 1-24

- S -

• Secondary financing - government agencies - page 2-4
• Secondary financing - government agencies - page 2-5
• Sewer system - page 1-20
• Shared lots with undivided interests - page 1-17b
• Shared wells - page 1-21c
• Solar systems - page 1-26
• Subdivision approvals page 1-8e

- T -

• Technical review reason codes - page 3-8
• Ten year warranties - page 1-8b, List of approved,

- U -

• Underwriting fees - page 2-4, 2-14, 2-15, 2-17, 2-19, 3-1
• Uniform residential appraisal report (URAR) - page 1-3, 1-8c, 1-14, 1-20
• Unique properties - page 1-17
• Utilities - page 1-19

- V -

• Vacancy, Collection, and Maintenance Cost Factors - page 2-21
• Valuation Condition Sheet - page 1-22

- W -

• Warranty, construction, builder, product - pages 1-8c, 1-23, 1-24
• Water heaters - page 1-27
• Water systems - page 1-21a
• Wood stoves - page 1-26

- Z -

• Zoning - page 1-16