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#1 HUD/FHA Single Family Handbook 4000.1 Page 559

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A. Title II Insured Housing Programs Forward Mortgages 9. 203(k) Consultant Requirements Handbook 4000.1 532 Last Revised: 11/26/2025 for lead paint ingestion, all peeling paint…

HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 559 · View at official source (HUD.gov — SFH Handbook 4000.1) →

A. Title II Insured Housing Programs Forward Mortgages 9. 203(k) Consultant Requirements Handbook 4000.1 532 Last Revised: 11/26/2025 for lead paint ingestion, all peeling paint conditions must include scraping, priming and double coating of surface areas. If the Property was built before 1978, paint mitigation must be in compliance with EPA’s Renovation, Repair and Painting Rule and HUD’s lead-based paint regulations regarding paint mitigation at 24 CFR 200.810(c). Some states may require more specific treatment. 20. Wood Trim. Describe wood trim work to be performed, such as: replace all cracked, broken, mismatched trim, jambs, etc.; remove all unused hinges, curtain rod hangers, nails, screws, etc.; replace all wood trim at interior door units, base, shoe & other trim; replace defective wall paneling at (____); etc. Most estimates must be based on square and lineal footage, per unit, and lump sum projections. 21. Stairs. Describe stair work to be performed, such as: replace bad basement treads and risers; replace main stairs, treads and risers; replace broken and/or missing baluster; provide handrails; install new stairs at (____); etc. Most estimates must be based on lump sum and lineal footage projections. 22. Closets. Describe closet work to be performed, such as: install new shelves, clothing rods; etc. Most estimates must be based on lineal footage projections. 23. Wood Floors. Describe wood floor work to be performed, such as: replace all defective flooring, holes in floors, etc., with wood flooring to match existing floors; sand, fill and refinish wood floors; install new hardwood floors at (____); etc. Most estimates must be based on square footage projections. 24. Finish Floors. Describe finish floor work to be performed, such as: install vinyl tile or sheet goods with 1/4" underlayment at (____); install carpet and pad at (____); etc. Specify nonstandard type flooring to justify the cost estimate. Most estimates must be based on square yard projections. 25. Ceramic Tile. Describe ceramic tile work to be performed, such as: install ceramic tile wainscot in bathtub area for shower height; install ceramic tile floor at (____); install Marlite wainscot in bathtub area for shower height; replace defective tile in bath; replace defective tile in kitchen; etc. Most estimates must be based on square footage or lump sum projections. 26. Bath Accessories. Describe bath accessory work to be performed, such as: replace medicine cabinet in bath; install towel bar(s); install soap dish; install grab bar in tub/shower; etc. Most

#2 UAD 3.6 / URAR (FNMA) Page 62

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Site Appendix F-1: URAR Reference Guide Page 62 of 375 Version 1.3 Site Influence (Choose all that apply) Allowable Answer Definition / Additional Guidance Commercial Area An area…

UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 62 · View at official source (fanniemae.com/uad) →

Site Appendix F-1: URAR Reference Guide Page 62 of 375 Version 1.3 Site Influence (Choose all that apply) Allowable Answer Definition / Additional Guidance Commercial Area An area intended to produce income (e.g., office buildings, retail buildings, hospitality). Golf Course Green Space An area of protected or conserved land or water on which development is indefinitely set aside. High Density Residential A densely populated residential area. High Pressure Gas Line A distribution system with lines in which the gas pressure in the main is higher than the pressure provided to the customer. Historic District A district designated to be of historical significance by a recognized authority. Industrial Area An area intended for the production of manufactured goods (e.g., factories). Local Distribution Line Electric lines that commonly supply power to residential housing developments, similar facilities and individual properties. Oil or Gas Well Overhead Electric Power Transmission Line Electric lines that supply power from power generation stations to local distribution lines. Park Public Transportation Hub A location where public transportation can be accessed (e.g., bus transfer station, metro station). Rail Line The rail line used by commercial or commuter trains (e.g., railroad tracks, metro tracks). Residential School Stormwater Retention An area designed to hold or retain stormwaters on a permanent basis. Other (Describe) Select Other to enter an answer that is not in the above list. Example: Place of Worship Information for each Site Influence Site: Information for each Site Influence Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 4.026 Proximity Required for each site influence Choose an allowable answer from table (Proximity) Proximity of the site influence or body of water to the property. • Bordering • Offsite • Onsite 4.027 Detail Required if Site Influence is Body of Water Choose one or more allowable answers from the Definition / Additional Guidance column Body of Water Type • Bay • Canal • Cove • Creek • Gulf • Lake • Marsh • Ocean • Pond • Reservoir • River • Sound • Other (Describe)

#3 Clark County Title 30 Unified Development Code and Zoning Page 138

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Chapter 30.04 Development Standards 30.04.03 Fences and Walls C Retaining Walls Title 30: Unified Development Code 128 August 2023 v. Outside Setback Area Fences or walls proposed…

Clark County Title 30 Unified Development Code and Zoning · OFFTitle30.EFF.03.05.26.pdf · Page 138

Chapter 30.04 Development Standards 30.04.03 Fences and Walls C Retaining Walls Title 30: Unified Development Code 128 August 2023 v. Outside Setback Area Fences or walls proposed outside of a setback area shall be limited to primary structure or accessory structure height, whichever is less. vi. Lighting and/or Decorative Features The height of a fence or wall may exceed the maximum allowable height by no more than 1 foot to accommodate lamps, lighting and/or decorative features on top of columns or fence posts. 2. Materials i. Allowed Materials Fences and walls shall be made of high-quality, low-maintenance, durable materials, including but not limited to the following: (a) Brick, stone, stucco, and decorative concrete masonry unit (CMU); (b) Wrought iron and metal picket; (c) Pre-cast, naturally colored concrete that convincingly replicates the appearance of brick, stone, stucco, and CMU fence; (d) Closed style wood or stockade fencing; (e) Omega (welded wire); (f) Wood or concrete 3-rail or split rail; (g) Chain link with or without weather-resistant color; (h) Composite wood; (i) Durable vinyl; and (j) Durable aluminum. (k) In the Nonurban Area, traditional farm fencing (i.e., smooth wire mounted on posts) or alternative fencing used to confine domestic animals is also allowed, provided all fencing is compatible with the rural character of the immediate area. ii. Prohibited Materials The following fence materials are prohibited: (a) Electrically charged fences in the Urban Area; (b) Barbed wire fences, except for security fencing per §30.04.03D, Security Fencing; (c) Concertina wire fences or similar, except for security fencing per §30.04.03D, Security Fencing; and (d) Fences constructed of chicken wire, corrugated metal, fabric, rope, fiberboard, or plywood, or other non-traditional fencing materials. 3. Vacant or Developing Lots i. Walls within a major residential subdivision may be constructed per the requirements for walls within the district if shown on an approved grading permit. ii. Temporary fences may be constructed in order to provide security, control access and dust, and to prevent the dumping of refuse. Temporary fence heights are subject to the height restrictions above unless the Building Official requires a greater height. C. Retaining Walls 1. Design and Materials Retaining walls shall be designed to reduce visual impact and conform to the topography of the site using native materials, decorative walls, and wall colors that match the soils and rocks on the site.

#4 HUD/FHA Single Family Handbook 4000.1 Page 1347

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III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2. Default Servicing Handbook 4000.1 1320 Last Revised: 11/26/2025 The Mortgagee must…

HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 1347 · View at official source (HUD.gov — SFH Handbook 4000.1) →

III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2. Default Servicing Handbook 4000.1 1320 Last Revised: 11/26/2025 The Mortgagee must repair damaged or missing handrails or stair treads on elevated exterior porches, patios, decks, and balconies where the distance from the finished floor to the ground surface is greater than 18 inches. If repair is not feasible, the Mortgagee must provide temporary rails, fencing, or other means to prevent or mitigate falls. (vii) Regulated Hazardous Materials The Mortgagee must handle and dispose of hazardous materials regulated by federal, state, or local law in accordance with those laws. Where removal of hazardous materials exceeds HUD’s reimbursable amounts for debris removal, the Mortgagee must submit an over- allowance request prior to incurring those costs. The Mortgagee must include with the request: • the relevant code or regulation describing the specific handling or disposal requirements; • if testing is required to confirm the presence of hazardous materials, detailed reports or test results, with information on the location of the materials, the scope of the work, and recommended methods for removal, abatement or remediation of the materials; and • at least two bids from licensed or certified hazardous materials contractors. (8) Yard Maintenance and Snow Removal (a) Definitions Grass Cuts are the Property P&P actions of mowing, weeding, edge trimming, sweeping of all paved areas, and removing all lawn clippings, related cuttings, and debris. (b) Standard The Mortgagee is responsible for maintaining lawn and yard areas and trees, shrubs, and vines in compliance with AHJ requirements by performing Grass Cuts. The Mortgagee must ensure that yards are maintained as follows: • Grass must be cut to a maximum of two inches in height. • Grass and weeds must be cut to the edge of the property line, and trimmed around foundations, bushes, trees, and planting beds. • Grass, trees, tree limbs, shrubs, and other vegetation that are obstructing the public right of way must be trimmed or removed.

#5 UAD 3.6 / URAR (FNMA) Page 17

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17 10. Inconsistencies in reporting Condition Appraiser noted that there are missing floor coverings in multiple rooms of the subject. They included these in the Defects, Damages,…

UAD 3.6 / URAR (FNMA) · uad-lessons-learned-job-aid.pdf · Page 17 · View at official source (fanniemae.com/uad) →

17 10. Inconsistencies in reporting Condition Appraiser noted that there are missing floor coverings in multiple rooms of the subject. They included these in the Defects, Damages, and Deficiencies (Unit Interior) table, but indicated that the recommended actions were None. By definition as seen in Appendix F-1: URAR Reference Guide, missing floor coverings should result in a C5 rating: • If this is intended to be an as-is appraisal due to the missing floor coverings, by definition this would be a C5. • If the appraisal was intended to be made subject to the installation of the floor coverings, then it could be made a C4.

#6 Fannie Mae Selling Guide Page 592

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Level of Updating Description Remodeled Significant finish and/or structural changes have been made that increase utility and appeal through complete replacement and/or expansion.…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 592 · View at official source (selling-guide.fanniemae.com) →

Level of Updating Description Remodeled Significant finish and/or structural changes have been made that increase utility and appeal through complete replacement and/or expansion. A remodeled area reflects fundamental changes that include multiple alterations. These alterations may include some or all of the following: replacement of a major component (cabinet(s), bathtub, or bathroom tile), relocation of plumbing/gas fixtures/appliances, significant structural alterations (relocating walls, and/or the addition of square footage). This would include a complete gutting and rebuild. Appraisals Completed “As Is” Fannie Mae permits appraisals to be based on the “as is” condition of the property provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the property, and the appraiser’s opinion of value reflects the existence of these conditions. Minor conditions and deferred maintenance are typically due to normal wear and tear from the aging process and the occupancy of the property. While such conditions generally do not rise to the level of a required repair, they must be reported. Examples of minor conditions and deferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, missing handrails, or cracked window glass. Properties with condition ratings C1, C2, C3, C4, and C5 as previously defined are eligible in “as is” condition. Properties with the initial condition rating C6 indicate one or more deficiencies that impact the safety, soundness, or structural integrity of the property. Therefore, the appraisal must be completed "subject to" completion of the deficient item(s) with a minimum resulting condition rating of C5. See Physical Deficiencies That Affect Safety, Soundness, or Structural Integrity of the Subject Property in this topic for additional details when completing appraisals on properties with safety, soundness, or structural integrity deficiencies. Quality of Construction Rating For appraisals required to be completed using the UAD, the appraiser must assign one of the following standardized quality ratings in the table below when identifying the quality of construction for the subject property and comparable sales.

#7 VA Lenders Handbook (Pamphlet 26-7) Page 73

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Veteran’s Eligibility and Entitlement 2-3 1. How to Establish the Applicant’s Eligibility for a VA Loan, continued b. The Lender’s Role, continued • Reserve/National Guard Funding…

VA Lenders Handbook (Pamphlet 26-7) · VA-Lender-Handbook.pdf · Page 73 · View at official source (VA.gov — Appraisers/Staff Appraisal Reviewer) →

Veteran’s Eligibility and Entitlement 2-3 1. How to Establish the Applicant’s Eligibility for a VA Loan, continued b. The Lender’s Role, continued • Reserve/National Guard Funding Fee – Entitlement is based on service in the Selected Reserve and/or National Guard so an increased funding fee is required. • Refinance Restoration – Restored entitlement previously used or charged for a VA Loan Indetification Number (LIN) as shown here is available only for use in connection with the property which secured that loan. • One-Time Restoration – Entitlement previously used for a VA LIN has been restored without disposal of the property, under provision of 38 U.S.C. 3702 (b)(4). Any future restoration requires disposal of all property obtained with a VA loan. • Subsequent Use Funding Fee – Entitlement code of “5” indicates previously used entitlement has been restored. The Veteran must pay a subsequent use funding fee on any future loan unless the Veteran is exempt. • Surviving Spouse – Eligibility of the surviving spouse and the validity of guaranty entitlement hereby evidenced will be null and void if any change in marital status occurs, subsequent to the date of this COE and prior to the date a loan to the widow or widower is closed, unless the lender making the loan was not aware of any change in marital status and obtained on the date the loan closed an affidavit from the surviving spouse in the form prescribed by the Secretary. • Prisoner of War/Missing in Action (POW/MIA) – This certificate evidences eligibility under 38 U.S.C 3701 (b)(3) of the individual named as the spouse of a Servicemember missing in action or prisoner of war. Any unused entitlement will terminate automatically upon the receipt of official notice that the Servicemember is no longer in a category specified in 38 U.S.C. 3701 (b)(3) or upon dissolution of marriage. • Paid-in-Full Loan – Entitlement charged on a paid-in-full loan cannot be restored until the Veteran applies for restoration of entitlement. The lender shall submit the application electronically through VA’s Automated Certificate of Eligibility (ACE) online application. • Foreclosed Loan – Entitlement charged on a foreclosed loan cannot be restored until VA’s loss on the loan has been fully repaid. Information about repayment of the loss may be obtained by contacting an RLC. Continued on next page

#8 Fannie Mae Selling Guide Page 464

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Cash-on-Hand Cash-on-hand is not an acceptable source of funds for the down payment or closing costs. For HomeReady mortgages, cash-on-hand may be considered an acceptable source…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 464 · View at official source (selling-guide.fanniemae.com) →

Cash-on-Hand Cash-on-hand is not an acceptable source of funds for the down payment or closing costs. For HomeReady mortgages, cash-on-hand may be considered an acceptable source of funds for the down payment and closing cost. See Chapter B5–6, HomeReady Mortgage. Recent Related Announcements There are no recently issued Announcements related to this topic. B3-4.3-21, Borrower's Earned Real Estate Commission (04/05/2023) Introduction This topic contains information on the use of borrower's earned real estate commission as eligible funds for the subject transaction, including: Earned Real Estate Commission Documentation Requirements Earned Real Estate Commission Earned real estate commission refers to the borrower's portion of a real estate commission earned from the sale of the subject property being purchased when the borrower is acting as their own real estate agent. Lenders may use the borrower's earned real estate commission as an eligible source of funds for down payment and closing costs provided the borrower is a licensed real estate agent and will receive a sales commission from the purchase of the subject property. Documentation Requirements The lender must document the following: the settlement statement must reflect the commission earned by the borrower, and the earned commission amount must be credited towards the mortgage loan. Note: For DU loan casefiles, earned real estate commission must be entered as a Credit Type of "Other" in Section 2b of the online loan application. Recent Related Announcements The table below provides references to recently issued Announcements that are related to this topic.

Chief Appraiser Says Reading the actual guideline text below — never a general AI guess

Here's what the guidelines say about a missing handrail: We found this addressed in two places. The FHA handbook lists "provide handrails" as part of stair work that should be described and estimated when repairs are needed. Fannie Mae goes further and specifically names "missing handrails" as an example of a minor condition that doesn't prevent an "as is" appraisal—meaning the property can be appraised in its current condition without requiring the handrail to be fixed first, as long as other safety and structural issues aren't present. Straight from HUD/FHA Single Family Handbook 4000.1 and Fannie Mae Selling Guide — nothing added.

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