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#1 VA Lenders Handbook (Pamphlet 26-7) Page 349

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Appraisal Process 10-14 8. Market Data Submitted During the Appraisal Process, continued d. No Data Submitted If no market data is submitted, after 2-business days, the appraiser…

VA Lenders Handbook (Pamphlet 26-7) · VA-Lender-Handbook.pdf · Page 349 · View at official source (VA.gov — Appraisers/Staff Appraisal Reviewer) →

Appraisal Process 10-14 8. Market Data Submitted During the Appraisal Process, continued d. No Data Submitted If no market data is submitted, after 2-business days, the appraiser will note in the appraisal that the Tidewater Procedure was followed and complete the appraisal report. e. Process is for Sharing Market Data Only This process is in no way to be considered as instruction to the appraiser to meet any preset value.

#2 VA Lenders Handbook (Pamphlet 26-7) Page 348

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Appraisal Process 10-13 8. Market Data Submitted During the Appraisal Process Change Date March 11, 2019 • This chapter has been revised in its entirety. a. Notification from the…

VA Lenders Handbook (Pamphlet 26-7) · VA-Lender-Handbook.pdf · Page 348 · View at official source (VA.gov — Appraisers/Staff Appraisal Reviewer) →

Appraisal Process 10-13 8. Market Data Submitted During the Appraisal Process Change Date March 11, 2019 • This chapter has been revised in its entirety. a. Notification from the Appraiser During the appraisal process, fee appraisers are required to notify the requester before completing the appraisal when it appears that the estimated market value will be below the sales price. The appraiser will allow 2-business days for the requester, or any parties to the transaction contacted by the requester, to submit any additional sales data that they wish to have considered. This process is known as the “Tidewater Procedure” as VA first piloted this procedure in the Tidewater area of Virginia. b. Comparable Sales Data For each potential comparable sale submitted, the following information should be provided: • street address, • sales price, • date of sale, • gross living area, • if the property was listed, a copy of the listing with details about the property, and • any other information to assist the appraiser in determining whether the sale could be used as a comparable property. It is the responsibility of the requester to provide sufficient information for the appraiser to analyze. c. Notation in the Appraisal If market data is submitted, the appraiser will note in the appraisal that this procedure was followed and include the following information: • street address of each sale submitted, • whether or not each sale was considered and, if not, the reason, and • the effect of the data, if any, on the opinion of value. Continued on next page

#3 Fannie Mae Selling Guide Page 777

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B5-4.2-01, Native American Conventional Lending Initiative (NACLI) (06/26/2012) Introduction This topic contains information on Native American Conventional Lending Initiative…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 777 · View at official source (selling-guide.fanniemae.com) →

B5-4.2-01, Native American Conventional Lending Initiative (NACLI) (06/26/2012) Introduction This topic contains information on Native American Conventional Lending Initiative (NACLI), including: Overview Lender Eligibility Eligibility Requirements Special Feature Codes Overview As part of Fannie Mae’s commitment to offering conventional loan products to address special housing needs of the underserved, Fannie Mae developed its set of Native American conventional Housing Initiatives. Through these initiatives, Fannie Mae purchases conventional mortgages that are made to Native Americans. Lender Eligibility Any lender that is interested in participating in NACLI must obtain separate approval from Fannie Mae. Upon approval, the lender will obtain the applicable set of terms and conditions that may vary for the specific tribal community. Eligibility Requirements Tribes that have jurisdiction over lands restricted to tribal members are eligible. Before any lending may take place, a tribe’s ordinances must be reviewed to ensure that there is appropriate support for mortgage lending. This includes Fannie Mae’s confirmation that the tribe has appropriate ordinances involving such issues as the recording of mortgages, resale, lien priority, foreclosure, and eviction. Special Feature Codes A lender must report SFC 221 for a mortgage originated under NACLI when it delivers a mortgage originated under Fannie Mae’s Native American Housing Initiatives. In addition, the lender should report all other applicable special feature codes that are needed to describe other special mortgage characteristics. Recent Related Announcements

#4 Fannie Mae Selling Guide Page 865

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When co-op shares are considered personal property and therefore cannot be insured under standard title policies, the title must be generally acceptable, the borrower must have…

Fannie Mae Selling Guide · Selling Guide - 06-03-2026.pdf · Page 865 · View at official source (selling-guide.fanniemae.com) →

When co-op shares are considered personal property and therefore cannot be insured under standard title policies, the title must be generally acceptable, the borrower must have title to the shares, and the co-op corporation must have good and marketable title to the project. Mortgages Subject to Leasehold Estates A mortgage that is subject to a leasehold estate must have an ALTA Endorsement 13.1. For loans secured by properties held by a community land trust, see Title Insurance and Delivery Requirements in B5-5.3-03, Shared Equity Transactions: Eligibility, Underwriting and Collateral Requirements. Other Mortgages The table below provides the title insurance coverage requirements or endorsements for other types of loans. Transaction Type Title Insurance Requirements Conventional HomeStyle loan or FHA Section 203(k) home improvement loan The policy must cover the full amount of the recorded mortgage, must be dated concurrently with the recordation of the mortgage, and must be updated to the date on which renovation work is completed. ARM loan The policy must include ALTA Endorsement 6. Manufactured home loan The policy must include ALTA Endorsement 7, 7.1, or 7.2. Native American Housing Initiative loan For a HUD-guaranteed Section 184 mortgage, when title to the security property is held as a fee simple estate, Fannie Mae requires a title insurance policy that satisfies its general requirements. For all other HUD-guaranteed Section 184 mortgages, Fannie Mae relies on the title status report issued by the Land Titles and Records Office of the Bureau of Indian Affairs.

#5 HUD/FHA Single Family Handbook 4000.1 Page 1434

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III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 3. Programs and Products - Section 235 Mortgages (03/31/2022) Handbook 4000.1 1407 Last…

HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 1434 · View at official source (HUD.gov — SFH Handbook 4000.1) →

III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 3. Programs and Products - Section 235 Mortgages (03/31/2022) Handbook 4000.1 1407 Last Revised: 11/26/2025 make the appropriate adjustments in assistance payments as instructed in Paragraph 10-27A1. Such clues and/or evidence may include, but are not limited to, the following: a. a verification of income showing a date of employment or an increase in income much earlier than the date(s) certified to by the mortgagor which cannot be reconciled; b. an application for another type of loan which shows a new spouse with income and/or other additional sources of income not shown in the recertification; c. a disclosure, during negotiation of a repayment plan to cure a default, that the mortgagor or other family members have income not reported in the recertification; d. a name change of the person or a different person signs the recertification for which no reason is known; e. the receipt of allegations from either identified or anonymous sources containing enough specific information that would lead a person to believe that the recertification might contain false information; and 3. Information Not to be Reported. The mortgagee is charged with acting on its own initiative, basing its actions on the best information available (as outlined in Paragraph 10-27A1), and for documenting its files as to why a particular action was taken. The following are the examples of cases where the mortgagee shall take appropriate action including completion of all required retroactive recertifications and therefore, need not refer the case to HUD include, but not limited to, the following: a. where the mortgage was insured before January 5, 1976, and the mortgagor did not report an increase in income caused by a change in the source of income of any adult family member until the first normal recertification following the increase; and NOTE: Reason for Not Reporting to HUD—A $50 increase (or more) per month on these mortgages does not require an additional recertification. The assistance payments are adjusted at the time of the annual recertification effective as of the date the income increase occurred. b. where the mortgage was insured on or after January 5, 1976, and the mortgagor failed to notify the mortgagee of changes in total family income as noted in (a) above or the mortgagor did not report a $50 increase (or more) per month in adult family income until the

#6 Freddie Mac Seller/Servicer Guide Page 54

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water efficient improvements, energy-efficient windows) or high-performing energy-efficient homes and any impact to market value Assess the contributory value of energy…

Freddie Mac Seller/Servicer Guide · Freddie_Mac_Guide_2026-06-25.txt · Page 54 · View at official source (guide.freddiemac.com) →

water efficient improvements, energy-efficient windows) or high-performing energy-efficient homes and any impact to market value Assess the contributory value of energy improvements and any premium paid for a high-performing energy-efficient home based on the market reaction, similar to any other property feature Consider appropriate valuation methods (e.g., income approach, cost analysis, discounted cash flows, or market surveys or any other applicable methods) when determining contributory value Justify and support any adjustments in the appraisal report in an addendum or in supplementary documentation, if necessary Appraisers must be familiar with energy reports, energy ratings or other new concepts that may be developed to identify the energy efficiency of a home. If relied upon, any reports must be generally acceptable, and, if available, these reports and information must be included in the appraisers’ analysis. Additional due diligence may be necessary if the high-performing energy-efficient home or energy improvements are new to the market and there are a lack of sales with similar features or a lack of data available from traditional data sources. Note: The Appraisal Institute’s Form 820.05, Residential Green and Energy Efficient Addendum, may be used to collect and report energy efficiency data associated with a property. Resources Seller resources related to energy-efficient properties and the appraisal of properties with energy-efficient features: The Appraisal Institute (including the use of the Residential Green and Energy Efficient Addendum) The Home Energy Rating System (HERS®) Index provided by the Residential Energy Services Network (RESNET®) The Home Energy Score provided by the U.S. Department of Energy’s Better Buildings® initiative EiValue® – Tool used in the valuation of photovoltaic systems and/or the energy related efficiency of a property (income and cost approaches) PV Value® – Tool used in the valuation of photovoltaic systems (income approach) (b) Properties with solar panels The Seller must take into consideration ownership of the solar panels and any liens upon the property relating to debt or lease payments used to obtain the solar panels. For example, solar panels not owned by the Borrower can be financed via several types of agreements such as lease agreements or a power purchase agreement (PPA). The Seller must also review any UCC-1 Financing Statement or lease agreement associated with the solar panels to determine if liens are against the real estate or against the solar panels. The property must maintain access to electrical utilities consistent with community standards. If solar panels are present on

#7 Clark County Title 30 Unified Development Code and Zoning Page 285

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Chapter 30.06 Administration and Procedures 30.06.09 Subdivision/Public Works Procedures N Minor Deviation, Public Works (AV) Title 30: Unified Development Code 275 August 2023 N.…

Clark County Title 30 Unified Development Code and Zoning · OFFTitle30.EFF.03.05.26.pdf · Page 285

Chapter 30.06 Administration and Procedures 30.06.09 Subdivision/Public Works Procedures N Minor Deviation, Public Works (AV) Title 30: Unified Development Code 275 August 2023 N. Minor Deviation, Public Works (AV) 1. Purpose The administrative Minor Deviation, Public Works procedure is to allow minor modifications or deviations from various standards of this Title and from an approved land use application and associated plans. Minor Deviations, Public Works are intended to provide greater flexibility without requiring a Waiver of Development Standards or Variance, 2. AV Procedure Common Review Procedures in §30.06.03 apply, subject to the following additions and modifications: i. AV Review and Submittal (a) Standards for Acceptance (1) As allowed by §30.04.08I, Minor Deviation, Public Works. (2) As allowed by §30.06.11I, Time Restrictions on Work in Streets. ii. AV Analysis (a) Standards for Approval In addition to meeting the general standards in §30.06.03D.7, General Standards for Approval, the Director of Public Works shall determine that there is no detriment to the public health, safety, or welfare. iii. AV Public Meeting(s) and Decision (a) Required Public Notice None required. (b) Hearing, Review, and Decision (1) Recommending Entities None required. (2) Hearing None required. (3) Decision-Making Body Director of Public Works. (4) Approval Expiration None, unless otherwise conditioned. (5) Appeal The means to appeal a Minor Deviation, Public Works, is submitting a Waiver of Development Standards, which must be considered by the Board. O. Las Vegas Boulevard South Survey (RS) 1. Purpose The purpose of this procedure is to enable the review of Las Vegas Boulevard South Surveys to show underlying title rights in relationship to “as built” improvements on Las Vegas Boulevard South to determine the necessary right-of-way dedication. 2. RS Procedure Common Review Procedures in §30.06.03 apply, subject to the following additions and modifications:

#8 Clark County Title 30 Unified Development Code and Zoning Page 266

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Chapter 30.06 Administration and Procedures 30.06.08 Other Approvals E Administrative Street Naming (SN) Title 30: Unified Development Code 256 August 2023 (c) Applicant shall…

Clark County Title 30 Unified Development Code and Zoning · OFFTitle30.EFF.03.05.26.pdf · Page 266

Chapter 30.06 Administration and Procedures 30.06.08 Other Approvals E Administrative Street Naming (SN) Title 30: Unified Development Code 256 August 2023 (c) Applicant shall cover the costs of the advertising signs and costs to businesses and residences along the street alignment. (d) Applicant to notify affected business/property owners when the street name change will take effect. (e) The applicant shall be responsible for the installation of street signs, per Public Works requirements, within 60 calendar days of the approval of the application unless otherwise approved. E. Administrative Street Naming (SN) 1. Purpose This procedure is used to name unnamed streets, or to change names of certain streets. 2. SN Procedure Common Review Procedures in §30.06.03 apply, subject to the following additions and modifications: i. SN Review and Submittal (a) Standards for Acceptance (1) An administrative Street Naming may be processed to change the name of a street when in compliance with compliance with the Las Vegas Valley Street Naming and Address Assignment Policy and: (i) There is no habitable structure on the street; (ii) All property abutting the street is under common ownership; and (iii) There is no objection from the Fire Alarm Office of the City of Las Vegas Fire Department. (2) Requests not in compliance with (a) above may be submitted in accordance with §30.06.08D, Street Name or Numbering System Change. (3) Cooperative Management Deed Modification Policy does not apply. (b) Exceptions (1) Streets within a subdivision shall be named by the recordation of the map and need not follow this procedure. (2) If in compliance with this subsection, street names established by the recording of a subdivision map, may be changed by filing a Certificate of Amendment with the County Surveyor rather than following this procedure. ii. SN Analysis (a) Processing Time 10 working days. (b) Standards for Approval Street names are in compliance with the Las Vegas Valley Street Naming and Address Assignment Policy, as adopted by the Board on August 3, 1988. iii. SN Public Meeting(s) and Decision (a) Required Public Notice None required. (b) Hearing, Review, and Decision (1) Recommending Entities Las Vegas Fire & Rescue, Combined Communications Center (2) Hearing None required.

Chief Appraiser Picks · Related Video VA Loan Basics: The Tidewater Initiative Explained

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

Here's what "Tidewater" means: When a VA lender orders an appraisal, they can submit market data to help the appraiser—but if they don't submit any data within 2 business days, the appraiser notes that the "Tidewater Procedure was followed" and completes the appraisal anyway. The key point is that this process is only for *sharing* market information with the appraiser; it's not supposed to pressure the appraiser to hit a predetermined value. Straight from VA Lenders Handbook (Pamphlet 26-7) — nothing added.

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