9.5.2 Fannie Mae Form 1004C/ Freddie Mac Form 70B: Manufactured Home Appraisal Report ..80 9.5.3 Fannie Mae/Freddie Mac Form 2055: Exterior-Only Inspection Report..81 9.5.4 Fannie Mae 1073/Freddie Mac Form 465: Individual Condominium Report81 Manual Underwriting All transactions for agency products (Fannie Mae, Freddie Mac, FHA and VA) are underwritten by submitting the mortgage to an AUS - Desktop Underwriter or Loan Prospector. If an AUS finding dictates a manual underwrite the loan must be underwritten outside of the AUS and will Advantage underwriting guidelines, credit eligibility, Loan to Value (LTV) and appraisal standards. No manual underwrite GOLD Fannie Mae HFA Preferred - LTV - 95% and below: Product Notice GOLD FANNIE MAE and GOLD FREDDIE MAC - Conventional The Fannie Mae Desktop Underwriter (DU) was created to help simplify the underwriting process. The system will generate your debt-to-income ratio and credit score based on the input by your lender. Your lender will be able to get a complete overview of your financial situation, including any debt that has been reported to the credit bureaus. Fannie Mae Manual Underwriting Guidelines Preparing the books to read every day is enjoyable for many people. However, there are still many people who also don't like reading. This is a problem. But, when you can support others to start reading, it will be What is manual underwriting? When consumers obtain mortgage loans, the lenders then sell some of those loans on to investors. Fannie Mae and Freddie Mac are the two largest of these investors in the US. Provident Bank Mortgage Standard Underwriting Guidelines PBM Policy & Procedures Manual PBM Policy & Procedures Manual 3 07/11/2013 This is not the same as a refer, it means the criteria does not fit Fannie Mae Guidelines. All loans must be run through Fannie Mae Desktop Underwriter (DU). Findings must be Approve/Eligible. Manual Underwriting is not permitted. Program Details Loan Amount El