Опубликованный пакет / CLIR
us.fnma.selling_income
v0.1.0Fannie Mae Selling Guide, Chapter B3-3, Income Assessment
Пломба §208
sha256:c57323b55243e2fa8612c18e88fab26ca27d80733170c4f917a507bae5855af4Подключить /
law.toml[dependencies] us.fnma.selling_income = "0.1.0"
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symbol_decl — 236
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| active_duty_service | the borrower is on active duty military service | internal | |
| actual_returns_obtained | the lender obtained copies of the actual returns, schedules or forms | internal | |
| actual_returns_requirement_satisfied | the requirement to obtain copies of the actual returns is satisfied | internal | |
| adjusted_gross_monthly_income | adjusted gross income developed for nontaxable income | internal | |
| annual_income_amount | annual gross amount of the income source | internal | |
| application_date | initial loan application date | internal | |
| associated_with_seasonal_layoffs | the compensation is clearly associated with seasonal layoffs | internal | |
| available_liquid_reserves | available liquid reserves after subtracting funds needed to complete the transaction | internal | |
| average_hours_method_elected | the lender elected the Average Hours method | internal | |
| average_hours_per_week | average number of hours worked per week | internal | |
| average_monthly_hours | average monthly hours over at least the most recent 12 months | internal | |
| bank_statement_dated | date of the bank statement offered as an alternative verification of employment | internal | |
| bank_statement_meets_deposit_standards | the bank statement meets the requirements of B3-4.2-01, Verification of Deposits and Assets | internal | |
| bank_statement_reflects_expected_pay_period | the bank statement reflects information for the most recent expected pay period given its date and the borrower's pay cadence | internal | |
| bank_statement_shows_active_employment | the bank statement includes no information indicating the borrower may not be actively employed | internal | |
| bonus_commission_overtime_or_tip | the income is bonus, commission, overtime, or tip income | internal | |
| borrower_document_current | the borrower provided a paystub or bank statement within 15 business days prior to the note date | internal | |
| borrower_document_valid_through | the last note date for which a borrower-provided document remains within its 15-business-day window | internal | |
| borrower_signed_blanket_authorization | the applicant signed a signature authorization form giving the lender blanket authorization | internal | |
| borrower_signed_form_1005 | the borrower signed Form 1005 authorizing verification directly from the employer | internal | |
| brokerage_statement_documented | the lender documented a brokerage or bank statement showing receipt of previous distributions and the number of vested shares or cash equivalent | internal | |
| business_existence_valid_through | the last note date for which the verification of the business remains within its 120-calendar-day window | internal | |
| business_existence_verified_on | date on which the existence of the borrower's business was verified | internal | |
| business_ownership_share | the borrower's ownership interest in the business of the family member or interested party | internal | |
| business_verification_source_documented | the lender documented the source of the information and the name and title of the employee who obtained it | internal | |
| calculator_additional_requirements_met | the additional lender requirements for use of Income Calculator are met | internal | |
| calculator_input_accurate | all information submitted to Income Calculator is accurate, complete, and reflects the tax returns used | internal | |
| cash_distributed_last_24_months | the cash distributed, pre-tax, equal to the total value of vested shares in the most recent 24 months | internal | |
| changes_jobs_frequently | the borrower changes jobs frequently | internal | |
| closing_date | the closing date of the loan | internal | |
| compensation_expected_to_recur | the compensation is expected to recur | internal | |
| conflicting_information_resolved | the lender investigated and resolved any contradictory or conflicting information affecting the accuracy of the calculation | internal | |
| continuance_documented_three_years | the lender documented that the income is expected to continue for at least three years from the note date | internal | |
| continuance_verification_required | the lender is required to verify continuance of the income | internal | |
| current_level_stabilized_after_decline | the current income level has stabilized after the decline | internal | |
| deemed_employed | the borrower is considered employed | internal | |
| differential_income_documented | the mortgage differential payments are documented as B3-3.3-06 requires | internal | |
| differential_subsidy_verified | written verification from the employer confirms the subsidy and states the amount and duration of the payments | internal | |
| direct_employer_verification_requested | the borrower authorized the lender to obtain verifications directly from the employer | internal | |
| direct_verification_properly_authorized | the direct verification with the employer is properly authorized by the borrower's signature | internal | |
| dmdc_verification_obtained | employment was verified through the Defense Manpower Data Center | internal | |
| documented_income_source | the income source is documented as required by B3-3.2-01 and B3-3.1-04 | internal | |
| documents_complete_and_legible | the information is complete and legible | internal | |
| documents_identify_employer | the documents clearly identify the employer's name and source of information | internal | |
| documents_machine_produced | the documents are computer-generated or typed by the employer, or downloaded by the borrower from the Internet | internal | |
| documents_sourced_from_third_party | the original source of the information is a third party | internal | |
| du_employment_validated_by_asset_report | employment was validated through the DU validation service using an asset verification report | internal | |
| du_income_validated | the borrower's income was validated by the DU validation service | internal | |
| du_validates_all_income | all of the borrower's income is validated by the DU validation service | internal | |
| earns_consistent_predictable_income | the borrower is nevertheless able to earn consistent and predictable income | internal | |
| email_voe_content_complete | the email exchange includes borrower and employer names, the contact's name, title and work email address, the date of contact and the current employment status | internal | |
| email_voe_current | an email exchange with the employer was obtained within 10 business days prior to the note date | internal | |
| email_voe_due_diligence_conducted | the lender conducted additional due diligence confirming the employer email address is accurate | internal | |
| email_voe_obtained_on | date of the email exchange obtained from the employer's work email address | internal | |
| email_voe_valid_through | the last note date for which the email exchange remains within its 10-business-day window | internal | |
| employed_by_family_or_interested_party | the borrower is employed by a family member or an interested party to the transaction | internal | |
| employer_confirms_temporary_leave | the employer confirmed the borrower is currently on temporary leave | internal | |
| employer_contact_details_independently_obtained | the lender independently obtained a phone number for the employer | internal | |
| employment_conditions_confirmed | the lender confirmed prior to closing that all conditions of employment are satisfied and noted the confirmation in the loan file | internal | |
| employment_conditions_exist | conditions of employment exist under the offer or contract | internal | |
| employment_conditions_satisfied | all conditions of employment were confirmed satisfied prior to closing | internal | |
| employment_gap_over_one_month | the borrower has a gap in employment greater than one month in the most recent 12-month period | internal | |
| employment_income_verified | employment income was verified as B3-3.2-01 requires | internal | |
| employment_offer_executed | the lender obtained and reviewed the borrower's fully executed offer or contract for future employment | internal | |
| employment_offer_non_contingent | the offer or contract for future employment is non-contingent | internal | |
| employment_related_income_type | type of employment-related income addressed by Section B3-3.3 | internal | |
| employment_start_date | the borrower's start date under the employment offer or contract | internal | |
| employment_start_within_window | the borrower's start date falls within the window allowed by B3-3.3-03 | internal | |
| employment_verification_current | employment was verified as required by B3-3.1-04 | internal | |
| employment_verified_before_delivery | the verbal VOE or an allowable alternative was obtained prior to loan delivery | internal | |
| enforcement_relief_available | enforcement relief from representations and warranties on the accuracy of the income calculation may be provided | internal | |
| family_employment_requirements_met | the additional requirements for employment by a family member or interested party are met | internal | |
| financial_resources_documented | the lender documented financial resources sufficient to cover the monthly liabilities included in the DTI ratio through the employment start date plus one month | internal | |
| findings_report_retained | a copy of the Income Calculator Findings Report is maintained in the loan file | internal | |
| foreign_documents_in_english | all documents of foreign origin are completed in English | internal | |
| foreign_documents_translated | the lender provided a complete and accurate translation attached to each document of foreign origin | internal | |
| foreign_income_requirements_met | the additional requirements for foreign income are met | internal | |
| foreign_income_source | the income is earned from a foreign corporation or foreign government and paid in foreign currency | internal | |
| foreign_income_translated_to_usd | all income has been translated to U.S. dollars | internal | |
| form_1005_obtained | a completed Request for Verification of Employment (Form 1005) was obtained | internal | |
| form_4506c_completed_on | the date on which the borrower completed and signed IRS Form 4506-C | internal | |
| form_4506c_requirement_satisfied | the IRS Form 4506-C requirement is satisfied for this income source | internal | |
| form_4506c_signed | a completed IRS Form 4506-C signed by the borrower was obtained for the year in question | internal | |
| form_4506c_valid_through | the last date on which the completed IRS Form 4506-C remains valid | internal | |
| future_pay_increase_effective_on | the date on which the future pay increase takes effect | internal | |
| future_pay_increase_includable | the future increase in pay may be included as qualifying income | internal | |
| future_pay_increase_verified | the increase is fully verified with the employer using Form 1005 or other documentation directly from the employer | internal | |
| future_vesting_at_least_previous | future vesting is equal to or greater than previous vesting and will continue for at least 24 months | internal | |
| gross_pay_per_period | gross pay per pay period | internal | |
| high_ltv_refinance_loan | the loan is a High LTV Refinance loan for which reduced income documentation applies | internal | |
| hourly_rate | current fixed hourly rate | internal | |
| income_calculator_used | the lender used the qualifying income amount calculated by Income Calculator | internal | |
| income_decreasing | the historical trend of the income is decreasing | internal | |
| income_documentation_requirements_waived | the lender is not required to follow the income documentation requirements of Chapter B3-3 | internal | |
| income_documents_meet_standards | the income documents meet the standards of B3-3.2-01 | internal | |
| income_eligible | the income is eligible to be used to qualify for the loan | internal | |
| income_has_defined_expiration | the income source has a defined expiration date or depends on the depletion of an asset | internal | |
| income_history_sufficient | the documented history of receipt satisfies the income-history requirement for this income type | internal | |
| income_must_be_removed | the income must be removed and the loan resubmitted to DU | internal | |
| income_source_employer | the employer paying the income | internal | |
| income_source_of | the borrower to whom the income source belongs | internal | |
| income_source_type | type of the income source | internal | |
| income_stable_or_increasing | the historical trend of the income is stable or increasing | internal | |
| income_verified_by_borrower_documents | employment income was verified by documentation provided by the borrower | internal | |
| income_verified_by_employer | employment income was verified by documentation provided by the borrower's employer | internal | |
| income_verified_by_vendor | employment income was verified by a third-party employment verification vendor | internal | |
| intent_to_return_confirmed | the borrower gave written confirmation of their intent to return to work | internal | |
| leave_and_earnings_statement_dated | date of the military Leave and Earnings Statement | internal | |
| loan_delivery_date | the date on which the loan is delivered to Fannie Mae | internal | |
| loan_of | the loan application of the borrower | internal | |
| lower_pay_monthly_amount | the lower monthly income amount under the new pay structure | internal | |
| military_allowances_lowered_to | the lowered monthly amount of the allowances that must be used for qualifying | internal | |
| military_allowances_monthly | the monthly total of the borrower's military allowances | internal | |
| military_allowances_not_lowered | there is no indication that the allowance amount will be lowered or discontinued | internal | |
| military_base_pay_monthly | the borrower's monthly military base pay | internal | |
| military_verification_current | military employment was verified as B3-3.1-04 requires | internal | |
| military_verification_valid_through | the last note date for which the Leave and Earnings Statement remains within its 120-calendar-day window | internal | |
| monthly_allowance | monthly amount of the housing or automobile allowance | internal | |
| monthly_differential_payment | monthly amount of the mortgage differential payment | internal | |
| monthly_income_amount | monthly income amount determined under the applicable topic of Section B3-3.3 | internal | |
| months_elapsed_in_current_year | months elapsed in the current year | internal | |
| months_employed_by_business | months the borrower has been employed by the family member's or interested party's business prior to the application date | internal | |
| months_of_employment_history | documented months of the borrower's work history | internal | |
| months_of_receipt | documented months of receipt of the income | internal | |
| months_of_supplemental_income | the number of months from the first loan payment date to the date the borrower will begin receiving regular employment income, rounded up | internal | |
| months_since_stabilized | months elapsed since the income stabilized | internal | |
| moving_average_price_documented | the lender documented the 200-day moving average stock price | internal | |
| moving_average_share_price | the 200-day moving average of the share price | internal | |
| multiple_source_qualification_permitted | qualifying with income from multiple employment sources is permitted | internal | |
| national_guard_or_reserves | the borrower serves in the National Guard or Reserves | internal | |
| no_evidence_against_right_to_return | the lender received no evidence or information from the employer indicating the borrower does not have the right to return to work after the leave | internal | |
| no_year_to_date_income | the file contains no year-to-date income for this source | internal | |
| non_occupant_borrower | the borrower is a non-occupant borrower on the subject transaction | internal | |
| non_occupant_income_considerable | income from the non-occupant borrower may be considered in qualifying | internal | |
| non_recurring_event_documented | a documented, non-recurring event outside the borrower's control temporarily prevented the borrower from earning income | internal | |
| nontaxable_status_verified | the lender verified that the income is nontaxable and its tax-exempt status is likely to continue | internal | |
| note_date | note date | internal | |
| offer_identifies_parties_and_terms | the documentation clearly identifies the employer and the borrower and the terms of employment, including position, type and rate of pay, and start date | internal | |
| offer_letter_monthly_income | the monthly income amount stated in the offer letter | internal | |
| offer_option_one_available | Option 1 (paystub obtained before loan delivery) is available for this offer | internal | |
| offer_option_two_available | Option 2 (paystub not obtained prior to delivery) is available for this offer | internal | |
| one_time_award | the time-based award is a one-time award | internal | |
| one_unit_property | the subject property is a one-unit property | internal | |
| other_guide_requirements_met | the lender complied with all other Selling Guide requirements, including DU messages and A2-2-04 | internal | |
| paid_in_cash | the restricted stock income is paid in cash | internal | |
| paid_in_shares | the restricted stock income is paid in shares | internal | |
| paid_in_virtual_currency | the income is paid in virtual currency | internal | |
| pay_frequency | how often the borrower is paid | internal | |
| pay_periods_per_year | number of pay periods per year for the pay frequency | internal | |
| paystub_dated | date of the most recent paystub | internal | |
| paystub_reflects_expected_pay_period | the paystub reflects information for the most recent expected pay period given its date and the borrower's pay cadence | internal | |
| paystub_saved_before_delivery | prior to delivering the loan the lender saved the most recent paystub in the loan file | internal | |
| paystub_shows_active_employment | the paystub includes no information indicating the borrower may not be actively employed | internal | |
| paystub_within_allowable_age | the most recent paystub is dated no earlier than 30 days prior to the initial loan application date | internal | |
| performance_based_award | the restricted stock award is performance-based | internal | |
| period_exclusion_permitted | the lender may exclude the affected period from the income calculation | internal | |
| positive_factors_offset_shorter_history | positive factors offset the shorter employment history | internal | |
| principal_residence | the subject property is a principal residence | internal | |
| prior_two_years_earnings | previous two years' earnings shown on the W-2s | internal | |
| prior_year_earnings | previous year's earnings shown on the W-2 | internal | |
| qualified_using_only_fixed_base_income | the borrower is qualified using only fixed base income | internal | |
| qualifying_income_consistent_with_recent_year | the qualifying income is consistent with the most recent year's earnings documented with a W-2 or tax returns | internal | |
| qualifying_income_not_above_calculated | the qualifying income used by the lender is not more than the amount calculated by Income Calculator | internal | |
| qualifying_monthly_income | qualifying monthly income | internal | |
| qualifying_with_multiple_sources | the borrower is qualifying with income from multiple employment sources at the same time | internal | |
| reason_to_believe_income_may_not_continue | the lender has reason to believe the income may not continue | internal | |
| recent_year_tax_returns_obtained | the lender obtained copies of the most recent year's signed federal income tax returns | internal | |
| regular_employment_monthly_income | the monthly regular employment income the borrower received prior to the temporary leave | internal | |
| reliable_employment_pattern | the work history reflects a reliable pattern of employment | internal | |
| reported_on_personal_tax_returns | the compensation is reported on the borrower's personal income tax returns | internal | |
| restricted_stock_documented | the restricted stock income is documented as B3-3.3-07 requires | internal | |
| restricted_stock_eligible | the restricted stock income is eligible to be used as qualifying income | internal | |
| restricted_stock_income_five_years | restricted stock income was received for the previous 5 years from any employer | internal | |
| restricted_stock_vested_and_distributed | the restricted stock has vested and been distributed to the borrower without restrictions | internal | |
| return_to_work_date_documented | documentation produced by the employer or its designee confirms the expected return to work date | internal | |
| returns_by_first_payment_date | the borrower will return to work as of the first loan payment date | internal | |
| returns_filed_electronically | documentation confirms that the tax returns were filed electronically | internal | |
| right_to_return_intact | nothing received from the employer indicates the borrower lacks the right to return to work | internal | |
| schedule_income_not_used | the income supported by that schedule or form is not being used for qualifying | internal | |
| schedule_transcript_income_positive | the income reflected on the applicable schedule transcripts is positive | internal | |
| seasonal_employment | the employment is considered seasonal income | internal | |
| seasonal_unemployment_compensation | the income is seasonal unemployment compensation | internal | |
| seasonal_unemployment_verified | the seasonal unemployment compensation was verified as B3-3.3-08 requires | internal | |
| self_employment_verification_current | the existence of the borrower's business was verified as B3-3.1-04 requires | internal | |
| shorter_employment_history_acceptable | the shorter employment history is acceptable | internal | |
| sign_on_bonus_restricted_stock | the restricted stock was received as a sign-on bonus | internal | |
| six_months_pitia_documented | the lender documented six months' PITIA for the subject property | internal | |
| special_feature_code_707_delivered | the loan is delivered with Special Feature Code 707 | internal | |
| stability_not_determinable | the lender is unable to determine the stability of the income on the basis of the available documentation | internal | |
| stock_publicly_traded | the lender documented evidence that the stock is publicly traded | internal | |
| supplemental_income_amount | the supplemental income drawn from available liquid reserves | internal | |
| tax_document_retention_satisfied | the tax document retention requirement is satisfied | internal | |
| tax_documents_retained | the lender retained all tax documents, including the IRS Form 4506-C or the transcripts and any explanation of discrepancies, in the loan file for QC review | internal | |
| tax_return_age_confirmed | the lender confirmed that the tax returns meet the allowable age of documents requirements | internal | |
| tax_return_signature_satisfied | the signature requirement for the tax return is satisfied | internal | |
| tax_return_signed | the tax return is signed by the borrower | internal | |
| temporary_leave_amounts_documented | the lender documented the amount and duration of the temporary leave income and the amount of the regular employment income received before the leave | internal | |
| temporary_leave_base_amount | the lesser of the borrower's temporary leave income and regular employment income | internal | |
| temporary_leave_documented | the temporary leave income is documented as B3-3.3-09 requires | internal | |
| temporary_leave_monthly_income | the monthly temporary leave income | internal | |
| time_based_award | the restricted stock award is time-based | internal | |
| total_qualifying_income_on_leave | the total qualifying income for a borrower on temporary leave | internal | |
| transaction_purpose | purpose of the transaction | internal | |
| transcripts_insufficient_detail | the tax transcripts do not provide sufficient detail to support the qualifying income | internal | |
| transcripts_validate_return | IRS transcripts validate the tax return | internal | |
| transitioning_to_lower_pay | the lender was notified that the borrower is transitioning to a lower pay structure | internal | |
| two_year_foreign_tax_returns | copies of signed federal income tax returns for the most recent two years include the foreign employment-related income | internal | |
| two_year_w2_income_type | type of income whose documentation requirements call for two years of W-2s | internal | |
| union_facilitates_placement | the borrower is a union member in short-term assignments and the union facilitates each placement | internal | |
| union_verbal_voe_permitted | the verbal verification of employment may be obtained from the union | internal | |
| variable_pay_raise_effective_on | the date on which a pay raise for variable base income takes effect | internal | |
| variable_pay_raise_includable | the pay raise for variable base income may be included as qualifying income | internal | |
| vendor_authorized_by_borrower | the borrower provided proper authorization for the lender to use the vendor verification method | internal | |
| vendor_integrity_accepted | the lender understands it will be held accountable for the integrity of the information obtained from the vendor | internal | |
| vendor_quality_control_provisions | the lender determined the vendor made provisions to comply with reasonable quality control requests | internal | |
| vendor_verification_acceptable | the third-party vendor verification is acceptable under B3-3.2-01 | internal | |
| vendor_verification_current | the third-party vendor record was no more than 35 days old as of the note date | internal | |
| vendor_verification_dated | as-of date of the third-party vendor employment database record | internal | |
| verbal_voe_current | the verbal verification of employment was obtained within 10 business days prior to the note date | internal | |
| verbal_voe_obtained_from_union | the verbal verification of employment was obtained from the union | internal | |
| verbal_voe_obtained_on | date on which the verbal verification of employment was obtained | internal | |
| verbal_voe_properly_conducted | the verbal verification of employment was conducted and documented as B3-3.1-04 requires | internal | |
| verbal_voe_valid_through | the last note date for which the verbal verification of employment remains within its 10-business-day window | internal | |
| vested_shares_last_24_months | the total number of distributed vested shares, pre-tax, in the most recent 24 months | internal | |
| vesting_schedule_documented | the lender documented a current vesting schedule reflecting past and future vesting | internal | |
| virtual_currency_income | the income is paid in virtual currency and is not eligible to qualify | internal | |
| voe_conversation_documented | the conversation is documented with both names and titles, the date of the call and the source of the phone number | internal | |
| w2_period_sufficient | the W-2 forms cover the period required for this income type | internal | |
| w2_years_provided | number of years of IRS W-2 forms provided | internal | |
| written_income_analysis_satisfied | the requirement to prepare a written analysis of the qualifying income calculation is satisfied | internal | |
| written_voe_current | a written verification of current employment status was obtained within 10 business days prior to the note date | internal | |
| written_voe_names_employer_contact | the written verification includes the name and title of the person who completed it for the employer | internal | |
| written_voe_obtained_on | date of the written verification confirming current employment status | internal | |
| written_voe_valid_through | the last note date for which the written verification remains within its 10-business-day window | internal | |
| ytd_earnings | year-to-date earnings shown on the paystub | internal | |
| ytd_months | number of months included in the year-to-date paystub | internal |
type_decl — 7
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| Borrower | borrower | internal | |
| Employer | employer | internal | |
| IncomeSource | income source | internal | |
| IncomeType | type of employment-related income | internal | |
| Loan | mortgage loan | internal | |
| PayFrequency | how often the borrower is paid | internal | |
| TransactionPurpose | purpose of the transaction | internal |
rule — 148
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| ActiveDutyNoMinimumHistory | B3-3.3-05. Active Duty: there is no set minimum history requirement for inclusion as qualifying income | 1 | internal |
| ActualReturnsExcused | B3-3.1-02. The lender need not obtain the schedules where the transcript income is positive and that income is not used for qualifying | 1 | internal |
| ActualReturnsObtained | B3-3.1-02. Where transcripts do not provide sufficient detail the lender must obtain copies of the actual returns, schedules or forms | 1 | internal |
| AdjustedAmountDisplacedByLowerPay | B3-3.1-01. The lower pay structure displaces the adjusted gross amount as well | 1 | internal |
| AllowanceFullAmount/alt/1 | B3-3.3-04. The lender must add the full amount of the allowance to the borrower's monthly income | 1 | internal |
| AllowanceFullAmount/alt/2 | B3-3.3-04. The lender must add the full amount of the allowance to the borrower's monthly income | 1 | internal |
| AllowanceNeedsTwelveMonths/alt/1 | B3-3.3-04. Housing (parsonage) and automobile allowances: a minimum 12-month history is required | 1 | internal |
| AllowanceNeedsTwelveMonths/alt/2 | B3-3.3-04. Housing (parsonage) and automobile allowances: a minimum 12-month history is required | 1 | internal |
| BankStatementAlternativeValidThrough | B3-3.1-04. Bank statements dated no earlier than 15 business days prior to the note date may verify employment | 1 | internal |
| BonusCommissionAverageDecreasing | B3-3.3-02. Decreasing: year-to-date income divided by months elapsed since the income stabilized | 1 | internal |
| BonusCommissionAverageStable | B3-3.3-02. Stable or Increasing: an average of year-to-date and previous year's earnings divided by the number of months included in the year-to-date paystub and W-2s | 1 | internal |
| BonusCommissionOvertimeTip/alt/1 | B3-3.3-02. Requirements for bonus, commission, overtime and tip income | 1 | internal |
| BonusCommissionOvertimeTip/alt/2 | B3-3.3-02. Requirements for bonus, commission, overtime and tip income | 1 | internal |
| BonusCommissionOvertimeTip/alt/3 | B3-3.3-02. Requirements for bonus, commission, overtime and tip income | 1 | internal |
| BonusCommissionOvertimeTip/alt/4 | B3-3.3-02. Requirements for bonus, commission, overtime and tip income | 1 | internal |
| BorrowerDocumentCurrent | B3-3.1-04. Within 15 business days prior to the note date, the borrower can provide either document | 1 | internal |
| BusinessExistenceValidThrough | B3-3.1-04. Verification of the business covers note dates within 120 calendar days after it was obtained | 1 | internal |
| CalculatorAdditionalRequirementsMet | B3-3.1-03. The lender must confirm the age of tax returns, ensure submitted information is accurate, resolve conflicting information, and comply with all other Selling Guide requirements | 1 | internal |
| ComputedAmountDisplacedByLowerPay | B3-3.1-01. Where the borrower is transitioning to a lower pay structure, the amount computed for the income type is not the qualifying income | 1 | internal |
| DecreasingIncomeNotEligible | B3-3.3-02. Decreasing income is not eligible for qualifying unless the lender confirms the current income level has stabilized after the decline | 1 | internal |
| DefinedExpirationDefeatsEligibility | B3-3.1-01. Where the income source has a defined expiration date or depends on the depletion of an asset, continuance is not established by the history of receipt alone | 1 | internal |
| DifferentialIncomeDocumented | B3-3.3-06. The lender must obtain written verification confirming the subsidy and stating the amount and duration; additionally, a verbal VOE is required | 1 | internal |
| DirectVerificationProperlyAuthorized/alt/1 | B3-3.2-01. The lender must have the borrower sign Form 1005, or alternatively a signature authorization form | 1 | internal |
| DirectVerificationProperlyAuthorized/alt/2 | B3-3.2-01. The lender must have the borrower sign Form 1005, or alternatively a signature authorization form | 1 | internal |
| DuValidationExcusesFamilyDetermination | B3-3.2-02. If the income is validated by the DU validation service, lenders are not required to determine whether the borrower is employed by a family member or interested party | 1 | internal |
| DuValidationExcusesForm4506c | B3-3.1-02. When all of a borrower's income is validated by the DU validation service, the lender is not required to obtain a signed IRS Form 4506-C for that borrower | 1 | internal |
| EmailVoeCurrent | B3-3.1-04. An email exchange requires additional due diligence on the address and the listed content | 1 | internal |
| EmailVoeValidThrough | B3-3.1-04. An email exchange covers note dates within 10 business days after it was obtained | 1 | internal |
| EmploymentConditionsSatisfied | B3-3.3-03. If conditions of employment exist, the lender must confirm prior to closing that all conditions are satisfied and note this in the loan file | 1 | internal |
| EmploymentGapBarsMultipleSources | B3-3.2-02. In no instance may the borrower have any gap in employment greater than one month in the most recent 12-month period | 1 | internal |
| EmploymentIncomeVerified/alt/1 | B3-3.2-01. The lender must verify employment income; verification may come from the borrower, the employer or a third-party vendor, and DU validation replaces it | 1 | internal |
| EmploymentIncomeVerified/alt/2 | B3-3.2-01. The lender must verify employment income; verification may come from the borrower, the employer or a third-party vendor, and DU validation replaces it | 1 | internal |
| EmploymentIncomeVerified/alt/3 | B3-3.2-01. The lender must verify employment income; verification may come from the borrower, the employer or a third-party vendor, and DU validation replaces it | 1 | internal |
| EmploymentIncomeVerified/alt/4 | B3-3.2-01. The lender must verify employment income; verification may come from the borrower, the employer or a third-party vendor, and DU validation replaces it | 1 | internal |
| EmploymentStartWithinWindow | B3-3.3-03. The borrower's start date must be no earlier than 30 days prior to the note date or no later than 90 days after the note date | 1 | internal |
| EmploymentVerificationCurrent/alt/1 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/2 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/3 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/4 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/5 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/6 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerificationCurrent/alt/7 | B3-3.1-04. A verbal VOE, or any of the allowable alternatives obtained within its own time frame, satisfies the requirement | 1 | internal |
| EmploymentVerifiedBeforeDelivery | B3-3.1-04. The lender may obtain the verbal VOE after closing, up to the time of loan delivery | 1 | internal |
| EnforcementReliefAvailable | B3-3.1-03. Where the qualifying income used is not more than the amount calculated by Income Calculator, enforcement relief may be provided | 1 | internal |
| FamilyEmploymentBarsOfferOptionOne | B3-3.3-03. The borrower must not be employed by a family member or by an interested party to the transaction | 1 | internal |
| FamilyEmploymentBarsOfferOptionTwo | B3-3.3-03. Option 2 also requires that the borrower not be employed by a family member or interested party | 1 | internal |
| FamilyEmploymentBarsPayIncrease | B3-3.2-02. Borrower must not be employed by a family member or interested party | 1 | internal |
| FamilyEmploymentRequirementsMet | B3-3.2-02. The borrower must have been employed by the business for at least the 12 months prior to the application date, hold less than 25% ownership, and show income consistent with the most recent year | 1 | internal |
| FindingsReportSatisfiesWrittenAnalysis | B3-3.1-03. The Income Calculator Findings Report can be used to satisfy the written analysis requirement; a copy must be maintained in the loan file | 1 | internal |
| FixedBaseAnnualIncome | B3-3.3-01. Fixed base income: gross pay for the period multiplied by the number of pay periods per year | 1 | internal |
| FixedBaseContinuanceRequiredOnBelief | B3-3.3-01. For fixed base income the lender is not required to verify continuance unless they have reason to believe the income may not continue | 1 | internal |
| FixedBaseHourlyAnnualIncome | B3-3.3-01. Fixed base income paid hourly: hourly gross pay multiplied by the average number of hours worked per week and by 52 weeks | 1 | internal |
| FixedBaseMonthlyIncome | B3-3.3-01. Fixed base income: the annual gross amount divided by 12 months | 1 | internal |
| FixedBaseNeedsNoHistory | B3-3.3-01. Fixed base income: a minimum history is not required for inclusion as qualifying income | 1 | internal |
| ForeignIncomeRequirementsMet/alt/1 | B3-3.2-02. Borrowers using foreign income must provide two years of signed federal tax returns, documents in English or translated, and all income translated to U.S. dollars | 1 | internal |
| ForeignIncomeRequirementsMet/alt/2 | B3-3.2-02. Borrowers using foreign income must provide two years of signed federal tax returns, documents in English or translated, and all income translated to U.S. dollars | 1 | internal |
| Form4506cCurrentAtClosing | B3-3.1-02. The lender must have each borrower whose income is used in qualifying complete and sign a separate IRS Form 4506-C at or before closing | 1 | internal |
| Form4506cValidThrough | B3-3.1-02. IRS Form 4506-C is valid for 120 days after completion, including signature, by the borrower | 1 | internal |
| FrequentJobChangesStillReliable | B3-3.2-02. Borrowers who change jobs frequently but earn consistent and predictable income are considered to have a reliable flow of income | 1 | internal |
| FuturePayIncreaseIncludable/alt/1 | B3-3.2-02. Future increases in pay may be included as qualifying income when the listed requirements are met | 1 | internal |
| FuturePayIncreaseIncludable/alt/2 | B3-3.2-02. Future increases in pay may be included as qualifying income when the listed requirements are met | 1 | internal |
| HighLtvRefinanceWaivesDocumentation | B3-3.1-01. For certain high LTV refinance loans the lender is not required to follow the income documentation requirements described in this Chapter | 1 | internal |
| IncomeDocumentsMeetStandards | B3-3.2-01. Documents must be computer-generated or typed, identify the employer, be complete and legible, and originate from a third party | 1 | internal |
| IncomeEligibleWhenDocumented | B3-3.1-01. The lender must document income is stable, has a documented history of receipt, and is reasonably expected to continue | 1 | internal |
| IncomeSourceDocumented/alt/1 | Section B3-3.3. The lender must obtain Form 1005, or the most recent paystub and W-2s; additionally, a verbal VOE is required | 1 | internal |
| IncomeSourceDocumented/alt/2 | Section B3-3.3. The lender must obtain Form 1005, or the most recent paystub and W-2s; additionally, a verbal VOE is required | 1 | internal |
| IncomeTrendDecreasing | B3-3.3-02. Decreasing: the monthly year-to-date income is below the previous year's monthly income | 1 | internal |
| IncomeTrendStableOrIncreasing | B3-3.3-02. Stable or Increasing: the monthly year-to-date income is at or above the previous year's monthly income | 1 | internal |
| LowerPayStructureDisplacesAmount | B3-3.1-01. Where the borrower is transitioning to a lower pay structure, the lender must use the lower income amount in qualifying | 1 | internal |
| MilitaryFullAmount | B3-3.3-05. The lender may include the full amount of the borrower's monthly base pay and allowances as qualifying income | 1 | internal |
| MilitaryLoweredAllowances | B3-3.3-05. Where there is an indication that the amount will be lowered, the lower amount must be used for qualifying | 1 | internal |
| MilitaryVerificationByDmdc | B3-3.1-04. Alternatively the lender must obtain a verification of employment through the Defense Manpower Data Center | 1 | internal |
| MilitaryVerificationByStatement | B3-3.1-04. In lieu of a verbal or written VOE the lender must obtain a Leave and Earnings Statement dated within 120 calendar days prior to the note date | 1 | internal |
| MilitaryVerificationValidThrough | B3-3.1-04. A Leave and Earnings Statement covers note dates within 120 calendar days after its date | 1 | internal |
| MortgageDifferentialFullAmount | B3-3.3-06. The lender may add the full amount of the payment to the borrower's monthly income | 1 | internal |
| MortgageDifferentialNeedsNoHistory | B3-3.3-06. There is no set minimum history requirement for inclusion as qualifying income | 1 | internal |
| MultipleSourcesPermitted | B3-3.2-02. Borrowers may qualify with income from multiple employment sources at the same time | 1 | internal |
| NonOccupantIncomeConsiderable | B3-3.1-01. Income from a non-occupant borrower may be considered provided it meets the same standards as required for occupying borrowers | 1 | internal |
| NonRecurringEventPermitsExclusion | B3-3.3-01. Where a documented, non-recurring event outside the borrower's control temporarily prevented earning, the lender may exclude that period | 1 | internal |
| NontaxableIncomeGrossUp | B3-3.1-01. The lender should develop an adjusted gross income by adding an amount equivalent to 25% of the nontaxable income | 1 | internal |
| OfferLetterAmountIsQualifyingIncome | B3-3.3-03. The lender must use the monthly income amount in the offer letter as qualifying income | 1 | internal |
| OfferOptionOneAvailable | B3-3.3-03. Option 1: the lender must obtain the executed offer, save the most recent paystub prior to delivery, and obtain a verbal VOE | 1 | internal |
| OfferOptionTwoAvailable/alt/1 | B3-3.3-03. Option 2 is limited to purchase transactions on a one-unit principal residence qualified using only fixed-base income, with documented reserves and Special Feature Code 707 | 1 | internal |
| OfferOptionTwoAvailable/alt/2 | B3-3.3-03. Option 2 is limited to purchase transactions on a one-unit principal residence qualified using only fixed-base income, with documented reserves and Special Feature Code 707 | 1 | internal |
| OneTimeAwardRequiresThreeYearContinuance | B3-3.3-07. For one-time time-based awards the lender must document that income on the vesting schedule is expected to continue for at least three years from the note date | 1 | internal |
| OneYearW2PeriodSufficient/alt/1 | B3-3.2-01. For base income the most recent W-2 covers the required one-year period | 1 | internal |
| OneYearW2PeriodSufficient/alt/2 | B3-3.2-01. For base income the most recent W-2 covers the required one-year period | 1 | internal |
| PaystubAlternativeValidThrough | B3-3.1-04. A paystub reflecting the most recent expected pay period covers note dates within 15 business days | 1 | internal |
| PaystubWithinAllowableAge | B3-3.2-01. The most recent paystub must be dated no earlier than 30 days prior to the initial loan application date | 1 | internal |
| PlainAmountDisplacedByAdjustedGross | B3-3.1-01. Where an adjusted gross income has been developed, the unadjusted amount is not the qualifying income | 1 | internal |
| QualifyingMonthlyIncome | Chapter B3-3. Qualifying monthly income is the amount determined for the income type, where the income is eligible | 1 | internal |
| QualifyingMonthlyIncomeAdjustedForNontaxable | B3-3.1-01. For nontaxable income, the adjusted gross income should be used in calculating the borrower's qualifying ratio | 1 | internal |
| ReservesRequireTwelveMonths | B3-3.3-05. National Guard/Reserves: a minimum 12-month history is required | 1 | internal |
| RestrictedStockCashFullPeriod | B3-3.3-07. For income paid in cash: the cash distributed pre-tax equal to the total value of vested shares in the most recent 24 months, divided by 24 | 1 | internal |
| RestrictedStockCashShortPeriod | B3-3.3-07. The 12-24 month allowance applies equally to income paid in cash | 1 | internal |
| RestrictedStockDocumentedInCash | B3-3.3-07. For income paid in cash the lender must document public trading, the vesting schedule and the brokerage statement | 1 | internal |
| RestrictedStockDocumentedInShares | B3-3.3-07. For income paid in shares the lender must document public trading, the vesting schedule, the 200-day moving average price and the brokerage statement | 1 | internal |
| RestrictedStockEligible | B3-3.3-07. Restricted stock must have vested and been distributed to the borrower without restrictions | 1 | internal |
| RestrictedStockSharesFullPeriod | B3-3.3-07. For income paid in shares: the 200-day moving average of the share price multiplied by the vested shares distributed in the most recent 24 months, divided by 24 | 1 | internal |
| RestrictedStockSharesShortPeriod | B3-3.3-07. Where the borrower has a history of income ranging from 12-24 months the lender may use the actual number of months rather than 24 | 1 | internal |
| RestrictedStockShorterHistoryWithFutureVesting/alt/1 | B3-3.3-07. A shorter period, but no less than 12 months, may be acceptable where positive factors reasonably offset the shorter history | 1 | internal |
| RestrictedStockShorterHistoryWithFutureVesting/alt/2 | B3-3.3-07. A shorter period, but no less than 12 months, may be acceptable where positive factors reasonably offset the shorter history | 1 | internal |
| RestrictedStockShorterHistoryWithFutureVesting/alt/3 | B3-3.3-07. A shorter period, but no less than 12 months, may be acceptable where positive factors reasonably offset the shorter history | 1 | internal |
| RestrictedStockTimeBasedHistory | B3-3.3-07. Time-based awards: a minimum 12-month history from the current employer is required | 1 | internal |
| RestrictedStockTwoYearHistory | B3-3.3-07. Performance-based awards: a minimum two-year history is recommended | 1 | internal |
| RightToReturnIntact | B3-3.3-09. The lender must not receive any evidence indicating the borrower does not have the right to return to work after the leave period | 1 | internal |
| SeasonalAverageWithYearToDate | B3-3.3-08. An average income amount using year-to-date income and the previous two years' earnings | 1 | internal |
| SeasonalAverageWithoutYearToDate | B3-3.3-08. Where year-to-date income is not present, the average is taken over the previous two years' earnings | 1 | internal |
| SeasonalEmploymentExcusesGap | B3-3.2-02. The gap rule does not apply where the employment is considered seasonal income | 1 | internal |
| SeasonalNeedsTwoYears | B3-3.3-08. Seasonal income: a minimum two-year history is required | 1 | internal |
| SeasonalUnemploymentVerified | B3-3.3-08. For seasonal unemployment compensation the lender must verify that it is clearly associated with seasonal layoffs, expected to recur, and reported on the borrower's personal income tax returns | 1 | internal |
| SelfEmploymentVerificationCurrent | B3-3.1-04. The lender must verify the existence of the business within 120 calendar days prior to the note date and document the source | 1 | internal |
| ShorterHistoryOffsetByPositiveFactors | B3-3.3-02. Income received for a shorter period, but no less than 12 months, may be considered acceptable if there are positive factors to reasonably offset the shorter income history | 1 | internal |
| ShorterWorkHistoryAcceptedByLender | B3-3.2-02. A shorter employment history may be considered eligible if positive factors reasonably offset it | 1 | internal |
| SignOnBonusStockNotEligible | B3-3.3-07. Sign-on bonuses received in the form of restricted stock that vest over any length of time are not eligible to be used as qualifying income | 1 | internal |
| StabilizedAfterDeclineRestoresEligibility | B3-3.3-02. The lender must confirm the current income level has stabilized after the decline | 1 | internal |
| SupplementalIncomeAmount | B3-3.3-09. Supplemental income amount equals available liquid reserves divided by the number of months of supplemental income | 1 | internal |
| TaxDocumentRetentionSatisfied | B3-3.1-02. The lender must retain all tax documents, including the IRS Form 4506-C or the transcripts and any explanation of discrepancies, in the loan file for QC review | 1 | internal |
| TaxReturnSignatureSatisfied/alt/1 | B3-3.1-02. Each tax return must be signed by the borrower unless the lender has obtained electronic-filing confirmation, a signed IRS Form 4506-C, or validating transcripts | 1 | internal |
| TaxReturnSignatureSatisfied/alt/2 | B3-3.1-02. Each tax return must be signed by the borrower unless the lender has obtained electronic-filing confirmation, a signed IRS Form 4506-C, or validating transcripts | 1 | internal |
| TaxReturnSignatureSatisfied/alt/3 | B3-3.1-02. Each tax return must be signed by the borrower unless the lender has obtained electronic-filing confirmation, a signed IRS Form 4506-C, or validating transcripts | 1 | internal |
| TaxReturnSignatureSatisfied/alt/4 | B3-3.1-02. Each tax return must be signed by the borrower unless the lender has obtained electronic-filing confirmation, a signed IRS Form 4506-C, or validating transcripts | 1 | internal |
| TemporaryLeaveDocumented | B3-3.3-09. The lender must document the leave and regular income amounts, written confirmation of intent to return, the expected return date, and obtain a verbal VOE | 1 | internal |
| TemporaryLeaveIsEmployment | B3-3.1-04. If the employer confirms the borrower is currently on temporary leave, the lender must consider the borrower employed | 1 | internal |
| TemporaryLeaveLesserAmount | B3-3.3-09. If the borrower will not return to work as of the first loan payment date, the lender must use the lesser of the temporary leave income or regular employment income | 1 | internal |
| TemporaryLeaveReturnsByFirstPayment | B3-3.3-09. If the borrower will return to work as of the first loan payment date, the lender can consider the borrower's regular employment income in qualifying | 1 | internal |
| ThreeYearContinuanceRestoresEligibility | B3-3.1-01. Where the income has a defined expiration date, the lender must document that it is expected to continue for at least three years from the note date | 1 | internal |
| TotalQualifyingIncomeOnLeave | B3-3.3-09. Total qualifying income equals supplemental income plus the temporary leave income, and may not exceed the borrower's regular employment income | 1 | internal |
| TwoYearHistorySufficient | B3-3.3-02. A minimum two-year history is recommended | 1 | internal |
| TwoYearW2PeriodSufficient | B3-3.2-01. For income types documented with two years' W-2s, the forms must cover the most recent two-year period | 1 | internal |
| TwoYearWorkHistoryIsReliable | B3-3.2-02. A work history over the most recent two years reflects a reliable pattern of employment | 1 | internal |
| UndeterminableStabilityRemovesIncome | B3-3.1-01. If the lender is unable to determine the stability of the income, the income must be removed and the loan resubmitted to DU | 1 | internal |
| UnionVerbalVoePermitted | B3-3.1-04. Where the union facilitates each placement, the lender may obtain the verbal VOE from the union | 1 | internal |
| VariableBaseAverageHours | B3-3.3-01. Variable base income, Average Hours method: average monthly hours multiplied by the current fixed hourly rate | 1 | internal |
| VariableBaseAverageIncomeDecreasing | B3-3.3-01. Variable base income, decreasing: year-to-date income divided by months elapsed in the current year | 1 | internal |
| VariableBaseAverageIncomeStable | B3-3.3-01. Variable base income, Average Income method, stable or increasing: an average of year-to-date and previous year's earnings over at least 12 months | 1 | internal |
| VariableBaseContinuanceRequiredOnBelief | B3-3.3-01. For variable base income the lender is not required to verify continuance unless they have reason to believe the income may not continue | 1 | internal |
| VariableBaseNeedsTwelveMonths | B3-3.3-01. Variable base income: a minimum 12-month history of receiving variable income is required | 1 | internal |
| VariablePayRaiseInPlaceBeforeClosing | B3-3.3-01. Any pay raises for variable base income must be in place prior to closing | 1 | internal |
| VendorVerificationAcceptable | B3-3.2-01. Vendor verifications are acceptable as long as the borrower authorized the method, the date complies, the vendor provides for quality control, and the lender accepts accountability | 1 | internal |
| VendorVerificationCurrent | B3-3.1-04. Information in the vendor's database must be no more than 35 days old as of the note date | 1 | internal |
| VerbalVoeCurrent | B3-3.1-04. The verbal VOE must be obtained within 10 business days prior to the note date | 1 | internal |
| VerbalVoeProperlyConducted | B3-3.1-04. The lender must independently obtain the employer's phone number and document the conversation | 1 | internal |
| VerbalVoeValidThrough | B3-3.1-04. A verbal VOE covers note dates within 10 business days after it was obtained | 1 | internal |
| VirtualCurrencyDefeatsEligibility | B3-3.1-01. Income paid in virtual currency is not eligible to be used to qualify for the loan | 1 | internal |
| VirtualCurrencyIncomeIneligible | B3-3.1-01. Income paid in virtual currency is not eligible to be used to qualify for the loan | 1 | internal |
| WrittenVoeCurrent | B3-3.1-04. The lender can obtain a written verification within 10 business days prior to the note date; it must name and title the person who completed it | 1 | internal |
| WrittenVoeValidThrough | B3-3.1-04. A written verification covers note dates within 10 business days after it was obtained | 1 | internal |
priority_rule — 16
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| AdjustedGrossOverPlainAmount | B3-3.1-01. The adjusted gross income displaces the unadjusted amount | 1 | internal |
| DecreasingOverGeneralEligibility | B3-3.3-02. The decreasing-income bar displaces the general eligibility rule | 1 | internal |
| DocumentedThreeYearsOverExpiration | B3-3.1-01. Documented three-year continuance displaces the defined-expiration bar | 1 | internal |
| ExpirationOverGeneralEligibility | B3-3.1-01. The defined-expiration case is an exception to the general conclusion of continuance | 1 | internal |
| FamilyEmploymentOverPayIncrease/alt/1 | B3-3.2-02. The family-employment prohibition displaces the general permission | 1 | internal |
| FamilyEmploymentOverPayIncrease/alt/2 | B3-3.2-02. The family-employment prohibition displaces the general permission | 1 | internal |
| FamilyOverOfferOptionOne | B3-3.3-03. The family-employment prohibition displaces Option 1 | 1 | internal |
| FamilyOverOfferOptionTwo/alt/1 | B3-3.3-03. The family-employment prohibition displaces Option 2 | 1 | internal |
| FamilyOverOfferOptionTwo/alt/2 | B3-3.3-03. The family-employment prohibition displaces Option 2 | 1 | internal |
| GapBarsPermission | B3-3.2-02. The gap prohibition is an exception to the general permission | 1 | internal |
| LowerPayOverAdjustedGross | B3-3.1-01. The lower pay structure displaces the adjusted gross amount as well | 1 | internal |
| LowerPayOverComputedAmount | B3-3.1-01. The lower pay structure displaces the amount computed for the income type | 1 | internal |
| SeasonalOverGapBar | B3-3.2-02. Seasonal employment is an exception to the gap prohibition | 1 | internal |
| SignOnBonusOverEligibility | B3-3.3-07. The sign-on bonus exclusion displaces the general eligibility of vested stock | 1 | internal |
| StabilizationOverDecreasingBar | B3-3.3-02. A confirmed stabilization displaces the decreasing-income bar | 1 | internal |
| VirtualCurrencyOverEligibility | B3-3.1-01. The virtual-currency prohibition displaces the general eligibility rule | 1 | internal |
assertion — 25
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| assert-1 | — | 1 | internal |
| assert-10 | — | 1 | internal |
| assert-11 | — | 1 | internal |
| assert-12 | — | 1 | internal |
| assert-13 | — | 1 | internal |
| assert-14 | — | 1 | internal |
| assert-15 | — | 1 | internal |
| assert-16 | — | 1 | internal |
| assert-17 | — | 1 | internal |
| assert-18 | — | 1 | internal |
| assert-19 | — | 1 | internal |
| assert-2 | — | 1 | internal |
| assert-20 | — | 1 | internal |
| assert-21 | — | 1 | internal |
| assert-22 | — | 1 | internal |
| assert-23 | — | 1 | internal |
| assert-24 | — | 1 | internal |
| assert-25 | — | 1 | internal |
| assert-3 | — | 1 | internal |
| assert-4 | — | 1 | internal |
| assert-5 | — | 1 | internal |
| assert-6 | — | 1 | internal |
| assert-7 | — | 1 | internal |
| assert-8 | — | 1 | internal |
| assert-9 | — | 1 | internal |
external_decl — 3
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| current_level_stabilized_after_decline/external | the current income level has stabilized after the decline | internal | |
| positive_factors_offset_shorter_history/external | positive factors offset the shorter employment history | internal | |
| shorter_employment_history_acceptable/external | the shorter employment history is acceptable | internal |
fragment — 65
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| FNMA_B3_3_1_01_CONTINUANCE | — | internal | |
| FNMA_B3_3_1_01_NONTAXABLE | — | internal | |
| FNMA_B3_3_1_01_NON_OCCUPANT | — | internal | |
| FNMA_B3_3_1_01_REDUCED_DOCS | — | internal | |
| FNMA_B3_3_1_01_STABLE | — | internal | |
| FNMA_B3_3_1_01_VIRTUAL | — | internal | |
| FNMA_B3_3_1_02_FORM_4506C | — | internal | |
| FNMA_B3_3_1_02_RETENTION | — | internal | |
| FNMA_B3_3_1_02_SIGNATURE | — | internal | |
| FNMA_B3_3_1_02_TRANSCRIPTS | — | internal | |
| FNMA_B3_3_1_03_ADDITIONAL | — | internal | |
| FNMA_B3_3_1_03_FINDINGS | — | internal | |
| FNMA_B3_3_1_03_RELIEF | — | internal | |
| FNMA_B3_3_1_04_ALTERNATIVES | — | internal | |
| FNMA_B3_3_1_04_CONVERSATION | — | internal | |
| FNMA_B3_3_1_04_MILITARY | — | internal | |
| FNMA_B3_3_1_04_PHONE | — | internal | |
| FNMA_B3_3_1_04_SELF_EMPLOYED | — | internal | |
| FNMA_B3_3_1_04_TEMP_LEAVE | — | internal | |
| FNMA_B3_3_1_04_UNION | — | internal | |
| FNMA_B3_3_1_04_VENDOR | — | internal | |
| FNMA_B3_3_1_04_WINDOW | — | internal | |
| FNMA_B3_3_2_01_FORM_1005 | — | internal | |
| FNMA_B3_3_2_01_GENERAL | — | internal | |
| FNMA_B3_3_2_01_PAYSTUB | — | internal | |
| FNMA_B3_3_2_01_QUALITY | — | internal | |
| FNMA_B3_3_2_01_VENDOR_SOURCE | — | internal | |
| FNMA_B3_3_2_02_EMPLOYMENT | — | internal | |
| FNMA_B3_3_2_02_FAMILY | — | internal | |
| FNMA_B3_3_2_02_FOREIGN | — | internal | |
| FNMA_B3_3_2_02_GAPS | — | internal | |
| FNMA_B3_3_2_02_MULTIPLE_JOBS | — | internal | |
| FNMA_B3_3_2_02_PAY_RAISES | — | internal | |
| FNMA_B3_3_3_01_FIXED_CONTINUANCE | — | internal | |
| FNMA_B3_3_3_01_FIXED_HISTORY | — | internal | |
| FNMA_B3_3_3_01_FIXED_METHOD | — | internal | |
| FNMA_B3_3_3_01_OVERVIEW | — | internal | |
| FNMA_B3_3_3_01_VARIABLE_HISTORY | — | internal | |
| FNMA_B3_3_3_01_VARIABLE_METHOD | — | internal | |
| FNMA_B3_3_3_01_VARIABLE_TABLE | — | internal | |
| FNMA_B3_3_3_02_HISTORY | — | internal | |
| FNMA_B3_3_3_02_METHOD | — | internal | |
| FNMA_B3_3_3_03_DELIVERY | — | internal | |
| FNMA_B3_3_3_03_ELIGIBILITY | — | internal | |
| FNMA_B3_3_3_03_METHOD | — | internal | |
| FNMA_B3_3_3_03_OPTION1_DOCS | — | internal | |
| FNMA_B3_3_3_03_OPTION2_DOCS | — | internal | |
| FNMA_B3_3_3_03_RESERVES | — | internal | |
| FNMA_B3_3_3_04_ALLOWANCE | — | internal | |
| FNMA_B3_3_3_05_ALLOWANCES | — | internal | |
| FNMA_B3_3_3_05_DOCUMENTATION | — | internal | |
| FNMA_B3_3_3_05_HISTORY | — | internal | |
| FNMA_B3_3_3_06_DIFFERENTIAL | — | internal | |
| FNMA_B3_3_3_06_VERIFICATION | — | internal | |
| FNMA_B3_3_3_07_CONTINUANCE | — | internal | |
| FNMA_B3_3_3_07_DOCUMENTATION | — | internal | |
| FNMA_B3_3_3_07_ELIGIBILITY | — | internal | |
| FNMA_B3_3_3_07_HISTORY | — | internal | |
| FNMA_B3_3_3_07_METHOD | — | internal | |
| FNMA_B3_3_3_08_SEASONAL | — | internal | |
| FNMA_B3_3_3_08_UNEMPLOYMENT | — | internal | |
| FNMA_B3_3_3_09_CONTINUANCE | — | internal | |
| FNMA_B3_3_3_09_DOCUMENTATION | — | internal | |
| FNMA_B3_3_3_09_METHOD | — | internal | |
| FNMA_B3_3_3_09_SCOPE | — | internal |
publication — 1
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| FNMA_SELLING_GUIDE_TEXT | — | internal |
source_edition — 1
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| FNMA_SELLING_GUIDE_2026 | Selling Guide as updated by Announcement SEL-2026-02 (March 4, 2026) | internal |
source_work — 1
| Узел | Подпись | Анкеры §194 | |
|---|---|---|---|
| FNMA_SELLING_GUIDE | Fannie Mae Selling Guide, Chapter B3-3, Income Assessment | internal |