Form HUD-50132 Mortgage Credit Analysis Worksheet

Section 184 and 184-A Loan Guarantee Program

HUD-50132 Sec 184 Mortgage Credit Analysis Worksheet.xlsx

Loan Guarantees for Indian Housing

OMB: 2577-0200

Document [xlsx]
Download: xlsx | pdf

Overview

Acquisition or Construction
Privacy Statement 1
No Cash Out Refinance
Privacy Statement 2
Cash Out Refinance
Privacy Statement 3
Streamline with NO Appraisal
Privacy Statement 4
Streamline with Appraisal
Privacy Statement 5
Amortization & Fee Schedule
Privacy Statement 6
Single Close Maximum Worksheet
Privacy Statement 7
Net Tangible Benefit Worksheet
Privacy Statement 8


Sheet 1: Acquisition or Construction

Mortgage Credit Analysis Worksheet U.S Department of Housing and Urban Development OMB Approval No. 2577-0200 (exp. 8/31/2017)
Native American Loan Guarantee Program Acquisition of Property
Section 184 Case Number Attended Homebuyer Education (yes or no) Type of Construction ( mark with X )

a. Existing Construction

b. Proposed New Construction
1a. Borrower's Name 2a. Social Security # 3a. Date of Birth 4. Marital Status ( mark with X )


xxx-xx-
a. Married
1b. Co-borrower's Name 2b. Social Security # 3b. Date of Birth b. Separated


xxx-xx-
c. Unmarried
5. Mortgage without LG Fee 6a. Total LG Fee 6b. Mortgage w/LG Fee 7. Loan Closing Costs
(1.5% of mortgage) a. Total Closing Costs $0.00
$0.00 $0.00 $0.00 b. Less paid by Seller $0.00
8. Current housing expense 9. Loan Term (years) 10. Interest rate (%) c. Borrower's Closing Cost $0.00
$0.00 0 0.000%
11. First-time homebuyer (yes or no)
12. Appraised Value 13. Section 184 Mortgage Limit

$0.00 $0.00
14. Settlement Requirements/ Mortgage Calculations Monthly Payment Unpaid Balance
a. Contract Sales Price or Construction Cost $0.00 $0.00 $0.00
b. Repairs and Improvements $0.00 $0.00
c. Sales Concession (subtract this amount) $0.00 $0.00 $0.00
d. Acquisition costs (sum of lines 14a + b - c) $0.00 $0.00
e. Secondary Financing Amount $0.00
f. Multiply Acquisition cost (line 14d) by $0.00 #NUM!
0.9775 if greater than $50,000 $0.00
0.9875 if $50,000 or less $0.00
g. Max Mortgage w/out LG Fee ( lowest of 13,14f, or 18b) $0.00 $84.00
h. Mortgage Amount (w/out LG Fee NOT To Exceed 14g) $0 $0.00
i. Required investment (line 14d - line 14g + line 7c) $0.00 $0.00
j. Discounts $0.00 $0.00
k. Prepayable expenses $0.00 #NUM!
l. LG Fee paid in cash (Add LG Fee cents)
$0.00 $0.00
m. Non-realty / other items (explain below) $0.00 j. Total fixed payments #NUM!
n. Total requirements (sum of line 14i thru line 14m ) $0.00 18. Ratios / Residual Income #DIV/0!
o. Amount paid in cash or other (explain) $0.00 #DIV/0!
p. Amount to be paid in cash or other (explain) $0.00 $0
q. Assets available $0.00 or (line 12) x 0.9875 if <= $50,000
r. 2nd mortgage proceeds ( if applicable) $0.00 #NUM!
15. Monthly Effective Income d. CLTV (14e + 14h) ÷ (lesser of 12 OR 14d) #DIV/0!
a. Borrower's base pay $0.00 $0.00
b. Borrower's other earnings (explain) $0.00 a. 6% of line 19 $0.00
c. Co-borrower's base pay $0.00
d. Co-borrower's other earnings (explain) $0.00 20. Down Payment Assistance $0.00
e. Net income from real estate $0.00 21. Source of Down Payment
f. Gross monthly income (sum of line 15a thru 15e) $0.00 22. Total Amount of Gifts $0.00
Comments: (attach additional paper if needed) 23. Borrower's CAIVR #

24. Co-borrower's CAIVR #
25. Clear LDP / GSA (Y / N)?
#DIV/0!
I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.
Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)
Final Application decision Underwriter's Signature Date HUD Representatives Signature Date
Approved



Rejected
Previous editions obsolete



Form HUD-50132

Sheet 2: Privacy Statement 1

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 3: No Cash Out Refinance

Mortgage Credit Analysis Worksheet U.S Department of Housing and Urban Development OMB Approval No. 2577-0200 (exp. 8/31/2017
Native American Loan Guarantee Program No Cash Out Refinances
Section 184 Case Number Attended Homebuyer Education (yes or no) Type of Refinance ( mark with X )

a. Streamlined with Appraisal

b. Credit Qualifying Refinance
1a. Borrower's Name 2a. Social Security # 3a. Date of Birth 4. Marital Status ( mark with X )


xxx-xx-
a. Married
1b. Co-borrower's Name 2b. Social Security # 3b. Date of Birth b. Separated


xxx-xx-
c. Unmarried
5. Mortgage without LG Fee 6a. Total LG Fee 6b. Mortgage w/LG Fee 7. Loan Closing Costs
(1.5% of max. mortgage) a. Total Closing Costs $0.00
$0.00 $0.00 $0.00 b. Less paid by Seller $0.00
8. Current housing expense 9. Loan Term (years) 10. Interest rate (%) c. Borrower's Closing Cost $0.00
$0.00 0 0.000%
11. First-time homebuyer (yes or no) 12. Appraised Value 13. Section 184 Mortgage Limit

$0.00 $0.00
14. Settlement Requirements/ Mortgage Calculations Monthly Payment Unpaid Balance
a. Unpaid Principal Balance $0.00 $0.00 $0.00
b. Interest Due to payoff $0.00 $0.00
c. Subordinate Mortgage(s) Unpaid Balance $0.00 $0.00 $0.00
d. Subordinate Mortgage(s) Interest Due $0.00 $0.00
e. Required Repairs (completed prior to closing) $0.00
f. Borrower's - paid Closing Costs (from line 7c) $0.00 #NUM!
g. Prepayable Expenses $0.00 $0.00
h. Discount points $0.00 $0.00
i. Total Costs (sum of lines 14a though h) $0.00 $0.00
j. Max Mortgage w/out LG Fee ( lowest of 13,14i, or 18b) $0.00 $0.00
k. Mortgage Amount (w/out LG Fee not to exceed 14j) 0 $0.00
l. Actual Payoff Amounts from All Liens $0.00 $0.00
m. Required investment (line 14l - line 14k) $0.00 #NUM!
n. LG Fee paid in cash (Add LG Fee cents)
$0.00 $0.00
o. Non-realty/ other items (see 14e & explain) $0.00 j. Total fixed payments #NUM!
p. Total requirements (sum of line 14m thru line 14o ) $0.00
q. Amount paid in cash or other (explain) $0.00 #DIV/0!
r. Amount to be paid in cash (sum of line 14p thru 14q) $0.00 $0
s. Assets available $0.00 or (line 12) x 0.9875 if <= $50,000
15. Monthly Effective Income c. Total Fixed DTI Ratio (line 17j /15f) #NUM!
a. Borrower's base pay $0.00 19. Down Payment Assistance
$0.00
b. Borrower's other earnings (explain) $0.00 20. Source of Down Payment
c. Co-borrower's base pay $0.00 21. Total Amount of Gifts
$0.00
d. Co-borrower's other earnings (explain) $0.00 22. Borrower's CAIVR #
e. Net income from real estate $0.00 23. Co-borrower's CAIVR #
f. Gross monthly income (sum of line 15a thru 15e) $0.00 24. Clear LDP / GSA (Y / N)?
Comments: (attach additional paper if needed)

I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.
Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)
Final Application decision Underwriter's Signature Date HUD Representatives Signature Date
Approved



Rejected
Previous editions obsolete



Form HUD-50132

Sheet 4: Privacy Statement 2

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 5: Cash Out Refinance

Mortgage Credit Analysis Worksheet U.S Department of Housing and Urban Development OMB Approval No. 2577-0200 (exp. 8/31/2017)
Native American Loan Guarantee Program Cash Out Refinance Transactions
Section 184 Case Number Attended Homebuyer Education (yes or no) Type of Refinance

Credit Qualifying with Cash Out X

1a. Borrower's Name 2a. Social Security # 3a. Date of Birth 4. Marital Status ( mark with X )


xxx-xx-
a. Married
1b. Co-borrower's Name 2b. Social Security # 3b. Date of Birth b. Separated


xxx-xx-
c. Unmarried
5. Mortgage without LG Fee 6a. Total LG Fee 6b. Mortgage w/LG Fee 7. Loan Closing Costs
(1.5% of max. mortgage) a. Total Closing Costs $0.00
$0.00 $0.00 $0.00 b. Less paid by Seller $0.00
8. Current housing expense 9. Loan Term (years) 10. Interest rate (%) c. Borrower's Closing Cost $0.00

0 0.000%
11. First-time homebuyer (yes or no) 12. Appraised Value 13. Section 184 Mortgage Limit

$0.00 $0.00
14. Settlement Requirements/ Mortgage Calculations Monthly Payment Unpaid Balance
a. First mortgage - payoff amount $0.00 $0.00 $0.00
b. Subordinate mortgage(s) - payoff amount $0.00 $0.00
c. Total debts to be paid off at closing $0.00 $0.00 $0.00
d. Required Repairs (completed prior to closing) $0.00 $0.00
e. Borrower's - paid Closing Costs (from line 7c) $0.00
f. Prepayable Expenses $0.00 #NUM!
g. Discount points $0.00 $0.00
h. Total Costs (sum of lines 14a though g) $0.00 $0.00
i. Max Mortgage w/out LG Fee (lowest of 13, 14h, or 18b) $0.00 $0.00
j. Mortgage Amount (w/out LG Fee not to exceed 14i) $0 $0.00
l. LG Fee paid in cash (Add LG Fee cents)
$0.00 $0.00
m. Non-realty/ other items (explain) $0.00 $0.00
n. Amount paid in advance to lender (explain) $0.00 #NUM!
o. Net cash back to borrower ** $0.00 $0.00
p. Assets available $0.00 j. Total fixed payments #NUM!
15. Monthly Effective Income 18. Ratios / Residual Income
a. Borrower's base pay
a. Loan - to - Value (line 14j ÷ line 12) #DIV/0!
b. Borrower's other earnings (explain) $0.00 b. Value (line 12) x 0.85 $0
c. Co-borrower's base pay $0.00 c. Total Fixed DTI Ratio (line 17j /15f) ** #NUM!
d. Co-borrower's other earnings (explain) $0.00 19. Down Payment Assistance $0.00
e. Net income from real estate $0.00 20. Source of Down Payment
f. Gross monthly income $0.00 21. Total Amount of Gifts
$0.00
** NOTE: DTI MUST NOT EXCEED 41% and Cash back is limited to $25,000 22. Borrower's CAIVR #
23. Co-borrower's CAIVR #

Comments: (attach additional paper if needed) 24. Clear LDP / GSA (Y / N)?

I hereby certify that all the information stated herein, as well as any information provided in the accompaniement herewith, is true and accurate.
Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)
Final Application decision Underwriter's Signature Date HUD Representatives Signature Date
Approved



Rejected
Previous editions obsolete



Form HUD-50132

Sheet 6: Privacy Statement 3

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 7: Streamline with NO Appraisal

Mortgage Credit Analysis Worksheet U.S Department of Housing and Urban Development OMB Approval No. 2577-0200 (exp. 8/31/2017)
Native American Loan Guarantee Program Streamline w/ No Appraisal Refinances
Section 184 Case Number Attended Homebuyer Education (yes or no) Type of Refinance ( mark with X )

a. Non-credit Qualifying X

1a. Borrower's Name 2a. Social Security # 3a. Date of Birth 4. Marital Status ( mark with X )


xxx-xx-
a. Married
1b. Co-borrower's Name 2b. Social Security # 3b. Date of Birth b. Separated


xxx-xx-
c. Unmarried
5. Mortgage without LG Fee 6a. Total LG Fee 6b. Mortgage w/LG Fee 7. Loan Closing Costs
(1.5% of max. mortgage) a. Total Closing Costs $0.00
$0.00 $0.00 $0.00 b. Less paid by Seller $0.00
8. Current housing expense 9. Loan Term (years) 10. Interest rate (%) c. Borrower's Closing Cost $0.00
$0.00 0 0.000%
11. First-time homebuyer (yes or no) 12. Original Principal Balance 13. Section 184 Mortgage Limit

$0.00 $0.00
14. Settlement Requirements/ Mortgage Calculations Monthly Payment Unpaid Balance
a. Unpaid Principal Balance $0.00 $0.00 $0.00
b. Interest Due to payoff $0.00 $0.00
c. Subordinate Mortgage(s) Unpaid Balance $0.00 $0.00 $0.00
d. Subordinate Mortgage(s) Interest Due (max. 30 days) $0.00 $0.00
e. Required Repairs (completed prior to closing) $0.00
f. Borrower's - paid Closing Costs (from line 7c) $0.00 #NUM!
g. Prepayable Expenses $0.00 $0.00
h. Discount points $0.00 $0.00
i. Total Costs (sum of lines 14a though b) $0.00 $0.00
j. Max Mortgage w/out LG Fee ( lowest of 12, 13, or 14i) $0.00 $0.00
k. Mortgage Amount (w/out LG Fee not to exceed 14j) 0 $0.00
l. Actual Payoff Amounts from All Liens $0.00 $0.00
m. Required investment (line 14l - line 14k + line 7c) $0.00 #NUM!
n. LG Fee paid in cash (Add LG Fee cents)
$0.00 $0.00
o. Non-realty/ other items (see 14e & explain) $0.00 j. Total fixed payments #NUM!
p. Total requirements (sum of line 14m thru line 14o ) $0.00 18. Ratios / Residual Income
q. Amount paid in cash or other (explain) $0.00 a. Loan - to - Value (line 14j / line 12) #DIV/0!
r. Amount to be paid in cash (sum of line 14p thru 14q) $0.00
s. Assets available $0.00
15. Monthly Effective Income b. Total Fixed DTI Ratio (line 17i /15f) #NUM!
a. Borrower's base pay $0.00 $0.00
b. Borrower's other earnings (explain) $0.00 20. Source of Down Payment
c. Co-borrower's base pay $0.00 21. Total Amount of Gifts $0.00
d. Co-borrower's other earnings (explain) $0.00 22. Borrower's CAIVR #
e. Net income from real estate $0.00 23. Co-borrower's CAIVR #

f. Gross monthly income (sum of line 15a thru 15e) $0.00 24. Clear LDP / GSA (Y / N)?
Comments: (attach additional paper if needed)

I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.
Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)
Final Application decision Underwriter's Signature Date HUD Representatives Signature Date
Approved



Rejected
Previous editions obsolete



Form HUD-50132

Sheet 8: Privacy Statement 4

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 9: Streamline with Appraisal

Mortgage Credit Analysis Worksheet U.S Department of Housing and Urban Development OMB Approval No. 2577-0200 (exp. 8/31/2017)
Native American Loan Guarantee Program Streamline with Appraisal Refinances
Section 184 Case Number Attended Homebuyer Education (yes or no) Type of Refinance ( mark with X )

a. Non-credit Qualifying X

1a. Borrower's Name 2a. Social Security # 3a. Date of Birth 4. Marital Status ( mark with X )


xxx-xx-
a. Married
1b. Co-borrower's Name 2b. Social Security # 3b. Date of Birth b. Separated


xxx-xx-
c. Unmarried
5. Mortgage without LG Fee 6a. Total LG Fee 6b. Mortgage w/LG Fee 7. Loan Closing Costs
(1.5% of max. mortgage) a. Total Closing Costs $0.00
$0.00 $0.00 $0.00 b. Less paid by Seller $0.00
8. Current housing expense 9. Loan Term (years) 10. Interest rate (%) c. Borrower's Closing Cost $0.00
$0.00 0 0.000%
11. First-time homebuyer (yes or no) 12. Appraisal Amount 13. Section 184 Mortgage Limit

$0.00 $0.00
14. Settlement Requirements/ Mortgage Calculations Monthly Payment Unpaid Balance
a. Unpaid Principal Balance $0.00 $0.00 $0.00
b. Interest Due to payoff $0.00 $0.00
c. Subordinate Mortgage(s) Unpaid Balance $0.00 $0.00 $0.00
d. Subordinate Mortgage(s) Interest Due $0.00 $0.00
e. Required Repairs (completed prior to closing) $0.00
f. Borrower's - paid Closing Costs (from line 7c) $0.00 #NUM!
g. Prepayable Expenses $0.00 $0.00
h. Discount points $0.00 $0.00
i. Total Costs (sum of lines 14a though h) $0.00 $0.00
j. Max Mortgage w/out LG Fee ( lowest of 13,14i, or 18b) $0.00 $0.00
k. Mortgage Amount (w/out LG Fee not to exceed 14j) 0 $0.00
l. Actual Payoff Amounts from All Liens $0.00 $0.00
m. Required investment (line 14l - line 14k) $0.00 #NUM!
n. LG Fee paid in cash (Add LG Fee cents)
$0.00 $0.00
o. Non-realty/ other items (see 14e & explain) $0.00 j. Total fixed payments #NUM!
p. Total requirements (sum of line 14m thru line 14o ) $0.00 18. Ratios / Residual Income
q. Amount paid in cash or other (explain) $0.00 a. Loan - to - Value (line 14k ÷ line 12) #DIV/0!
r. Amount to be paid in cash (sum of line 14p thru 14q) $0.00 b. Value (line 12) x 0.9775 if > $50,000 $0
s. Assets available $0.00 or (line 12) x 0.9875 if <= $50,000
15. Monthly Effective Income c. Total Fixed DTI Ratio (line 17i /15f) #NUM!
a. Borrower's base pay $0.00 $0.00
b. Borrower's other earnings (explain) $0.00 20. Source of Down Payment
c. Co-borrower's base pay $0.00 21. Total Amount of Gifts $0.00
d. Co-borrower's other earnings (explain) $0.00 22. Borrower's CAIVR #
e. Net income from real estate $0.00 23. Co-borrower's CAIVR #

f. Gross monthly income (sum of line 15a thru 15e) $0.00 24. Clear LDP / GSA (Y / N)?
Comments: (attach additional paper if needed)

I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.
Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)
Final Application decision Underwriter's Signature Date HUD Representatives Signature Date
Approved



Rejected
Previous editions obsolete



Form HUD-50132

Sheet 10: Privacy Statement 5

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 11: Amortization & Fee Schedule

Section 184 Loan Amortization and Annual Fee Schedule U.S Department of Housing and Urban Development OMB Approval No.








































1. Section 184 Case #

























2a. Borrower

2b. Co-Borrower























3. Property Address























4a. City

4b. State

4c. Zip Code








































Please Enter Values
Loan summary








5. Note amount $0.00
Scheduled payment









6. Annual interest rate 0.000%
Scheduled number of payments









7. Loan period in years 30
Actual number of payments









Number of payments per year 12
Total early payments #VALUE!








8. First payment of loan

Total interest









LTV basis #DIV/0!
12. LG Upfront % 1.500%




9. LTV % from MCAW 0.000%
13. LG Annual Fee % 0.150%



10. Optional extra payments $-
Total Upfront Fee Collected $0.00








11. Base Mortgage amount $0.00
Total Annual Fee Collected #VALUE!






































PmtNo. Payment Date Beginning Balance Scheduled Payment Extra Payment Total Payment Principal Interest Ending Balance Cumulative Interest Payment Year Avg. UPB Avg. UPB * Annual % Annual Fee Assessed Monthly Fee Assessed Current LTV%















#VALUE!
1 12/30/1899

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




$- #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 1 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 2 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 3 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 4 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 5 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 6 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 7 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 8 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 9 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 10 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE! 11 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!



#VALUE!




#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!









#VALUE! #VALUE!

#VALUE! #VALUE!





















Previous editions obsolete






HUD FORM







Sheet 12: Privacy Statement 6

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 13: Single Close Maximum Worksheet






OMB Approval No. 2577-0200 (exp. 8/31/2017)
Section 184 Loan Guarantee Program









Section 184 Case #:
184 Maximum Mortgage Worksheet for Rehabilitation and Single Close Loans
Lender:
Borrower(s):
Property Address:

ALLOWABLE COSTS FOR REHABILITATION OR SINGLE CLOSE LOANS
1. Total Costs of Repair or Construction Costs (from Specification of Repair or Contractor write-up) Land Value or Cost: $0.00
Purchase Price For Manufactured or Modular Home: $0.00
Manufactured or Modular Home Construction Costs: $0.00
Site Built Home Construction Costs: $0.00
2. Contingency Reserve on Construction Costs (10%) $0.00
3. Contingency Reserve on Site Work for Manufactured Construction (10%) $0.00

4. Inspection Fees : 0 # of Fees X $0.00 $ per inspection = $0.00
5. Title Update Fees : 0 # of Fees X $0.00 $ per draw = $0.00
6. Mortgage Payment Escrowed: 0 # of Months X $0.00 $ per monthly payment = $0.00

7. SUBTOTAL for Rehabilitation or Construction Escrow Account (Total of 1 - 5) $0.00

8. Less: Balance Remaining for LAND purchase: $0.00
9. Less: Minimum of 10% Deposit for Manufactured Home purchase: $0.00
10. Less: Architectural and Engineering Fees: $0.00

11. SUBTOTAL for release at closing (Total of 7 - 10) $0.00

12. Total Land Equity: Land Value/Cost(line 1) - Balance Remaining for Land purchase (line 8) $0.00

Comments: Use this space to explain any details of the construction costs that the Underwriter should be aware of.










Note: These figures will need to transfer to the Acquisition MCAW in the appropriate fields.









Field MCAW Line

Field MCAW Line
7 14a.

12 14q.









Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)









I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.













Signature of DG/HUD Underwriter

Date









Previous editions obsolete




Form HUD-50132

Sheet 14: Privacy Statement 7

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.

Sheet 15: Net Tangible Benefit Worksheet







OMB Approval No. 2577-0200 (exp. 2/29/2016)
Section 184 Loan Guarantee Program









Borrower 1 Name:
184 Net Tangible Benefit Worksheet for Streamline and Credit Qualifying Rate & Term Refinances
Borrower 2 Name:
Lender:
Property Address:
Property City, State Zip:
Loan Information

Place X in Box to Left if reduction in term for new loan

New Loan Previous Loan
Section 184 Case #:

Proposed Loan Closing Date:
Error: Loan Term not Seasoned!
First Payment Date: 6/30/00
Loan Amount:

Loan Term (years):

Loan Maturity Date:

Type of Loan: Fixed Rate
Interest Rate:

Loan - to - Value:

Monthly Payment (P+I):

Monthly Savings (Dollars): 0 #DIV/0!
Monthly Savings (%): #DIV/0!
Closing Costs Paid:

Months to Benefit: #DIV/0! Closing Costs / Monthly Savings
#DIV/0! Error: Loan Term not Seasoned!
Unable to Refinance this loan!

Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties (18 U.S.C. 1001, 1010, 1012; 31 U.S.C)









I hereby certify that all the information stated herein, as well as any information provided in the accompaniment herewith, is true and accurate.









x (Lender)
date / /









x (Borrower)
date / /








x (Co-borrower)
date / /
Previous editions obsolete





Form HUD-50132 (1/01/14)

Sheet 16: Privacy Statement 8

Privacy Act Statement. This statement is provided pursuant to the Privacy Act of 1974, 5 USC § 552a. The authority for collecting personally identifiable information (PII) in the Regulatory Consistency Communication Board (RCCB) Electronic Feedback Form is based in Section 313 of Public Law 112-95.
File Typeapplication/vnd.openxmlformats-officedocument.spreadsheetml.sheet
File Modified0000-00-00
File Created0000-00-00

© 2024 OMB.report | Privacy Policy