FHLMC Condo Project Approval Guidelines/Requirements/Documentation

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1 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin FHLMC STREAMLINED REVIEW CONDO (ATTACHED CONDO ONLY) Frmally FHLMC Limited Review Must be reviewed bv Prject Review Team This can be dne fr Established Cndminium Prjects (fr the prject t be cnsidered established, it must be 100% cmplete, nt in the develpers cntrl, and a minimum f 90% f the units sld). These reviews are n a case by case basis nly. Prjects lcated in Flrida must be submitted t Prject Review Team fr apprval. If the Prject Review Team has previusly determined that a prject is ineligible, Prject cannt be reviewed as Limited Review and must fllw Full Review guidelines Cannt be an ineligible prject (see Ineligible Prject Types sectin fr detailed explanatin) such as Manufactured Hme, cncc-htels, timeshares, segmented wnership, husebat, multi-dwelling units, legal nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2, except 42.2(e). Prject (including all units, cmmn areas and facilities within the prject) must be 100% cmplete and nt subject t additinal phasing r annexatin. Prject must have 90% f the units sld and cnveyed t purchasers. Multiple purchases by ne wner are cunted as ne sale when determining presale Cntrl f the Hmewner's Assciatin must have been turned ver t the unit wners. N single entity may wn mre than 10% f prject. If prject cntains less than 10 units n single entity may wn mre than ne unit. Cannt be a mixed use prperty (see pg. 33 fr additinal Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage 3) fidelity bnd/fidelity insurance cverage (fidelity bnd/fidelity insurance cverage is nly required fr prject with mre than 20 units)' Fidelity Bnd insurance cverage, must at a minimum, equal at least the sum f three mnths f assessments n all units in the prject If prject has a Management Cmpany, must prvide plicy fr the Management Cmpany's Fidelity Bnd cverage and must prvide plicy fr the HOA's Fidelity Bnd cverage. Prject cannt cntain manufactured hmes. Mdular Hmes are cnsidered "stick-built" and eligible prject types Brrwer must meet LTV/CL TV requirements listed in grids belw: FHLMC Streamlined Occupancy Status Primarv Residence Secnd Hme Investment LTV/CL TV fr Prtects NOT lcated in Flrida LP Accept All Other LP (A-) Manual UnderWriting Recmmendatins 90% LTV/L TV/CL TV <80% LTV/CL TV <80% LTV/CL TV :575% :575% LTV/CL TV <75% LTV/CL TV Nt Allwed Nt Allwed Nt Allwed FHLMC Streamlined LTV/CLTV fr Prjects lcated in Flrida Occupancy Status LP Accept All Other LP (A-) Manual Underwriting Recmmendatins Primarv Residence 75% LTV/L TV/CL TV <75% LTV/CL TV <75% LTV/CL TV Secnd Hme <70% <70% LTV/CL TV <70% LTV/CL TV Nt Allwed Investment Nt Allwed Nt Allwed Dcumentatin Submissin Frm Cnd-PUD-Cp Submissin Frm Limited Review Cnd Wrksheet/Questinnaire Limited Review Cnd Wrksheet (FNMA Q FHLMC STREAMLINED REVIEW) Cmplete cpy f appraisal including all addendums and pictures Brrwer's Title wrk Brrwer's 1008 Transmittal (if applicable) Brrwer's LP findings Declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst and must prvide cmplete cpy f prject's recrded legal Declaratins and Bylaws. Declaratins-Bylaws Certificatin These prjects MUST be sent t Prject Review Team fr apprval. If HOA's plicy is an Emplyee Dishnesty r Crime in lieu f Fidelity Bnd/Fidelity Insurance, must prvide Endrsement that nn-emplyees are cvered by plicy. If state des nt require Fidelity Bnd insurance must prvide cpy f state statute reflecting insurance is nt required. Leasehld if applicable-see Leasehld Attached Internet search t include the prject's website and the develper (if applicable) NOTE: Underwriter must always fllw current lan level Credit Plicy in cnjunctin 1'; with Prject Review Guidelines

2 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin FHLMC DETACHED CONDOMINIUM PROJECT Must be reviewed bv Prject Review Team Prjects are new cnstructin/new cnversin r existing. Cannt be an ineligible prject (see ll)eligib/~pctecttype9 sectin tr;..detalied explanatih) such as Manufactured Hme, cnd-htels, timeshares, segmented wnership, husebat, multi-dwelling units, legal nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2 Prject must be slely made up f DETACHED SITE units. If prject cnsists f ATTACHED and DETACHED units, must fllw ESTABLISHED r NEW guidelines. If subject unit is an investment, the prject must meet the requirements and warranties fr an Established Prject, New Prject r 2-4 Unit Prject. N single entity may wn mre than 10% f prject. If prject cntains less than 10 units n single entity may wn mre than ne unit. Prject may nt be invlved in any litigatin. Cntact Prject Review Team fr further details r questins. Nn-Residential space must nt exceed 20% f the ttal square ftage f ttal prject Mixed use prject must cntain residential and nly 1 type f nn-residential use (see pg. 33 fr additinal Prject cannt cntain manufactured hmes. Mdular Hmes are cnsidered "stick-built" and eligible prject types Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage * The appraiser must cmment n any effect that buyer resistance t the cndminium frm f wnership has n the market value f the individual unit. FHLMC DETACHED SITE CONDO LTV/CLTV Reauirements fr Priects lcated in Flrida Occupancy Status LP Accept All Other LP (A-) Manual Underwriting Recmmendatins Primary Residence 90% LTV/LTV/CLTV ::;80% LTV/CL TV ::;80% LTV/CL TV Secnd Hme S75% LTV/CL TV ::;75% LTV/CL TV Investment Nt Allwed Nt Allwed Nt Allwed Dcumentatin Submissin Frm Cnd-PUD-Cp Submissin Frm Limited Review Cnd WrksheeUQuestinnaire Limited Review Cnd Wrksheet (FNMA Q FHLMC STREAMLINED REVIEW) Brrwer's Title wrk HOA r brrwer's declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst. Declaratins & Bylaws Certificatin t signed and dated by HOA Declaratins-Bylaws Certificatin Cmplete cpy f prject's recrded legal Public Offering Statement, Declaratins, Bylaws and all Amendments r Exhibits. Cmplete cpy f appraisal including all addendums and pictures Brrwer's 1008 Transmittal. Brrwer's LP findings (if applicable) Internet search t include the prject's website and the develper (if applicable) NOTE: Underwriter must always fl/w current lan level Credit Plicy in cnjunctin with Prject Review Guidelines

3 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin FHLMC 2-4 UNITS Must be reviewed by Prject Review Team Prjects are new cnstructin/new cnversin r existing. Prjects must be 100% cmplete. Cannt be an ineligible prject (see Ineligible Prject Types sectin fr detailed explanatin) such as Manufactured Hme, cnd-htels, timeshares, segmented wnership, husebat, multi-dwelling units, legal nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2 All but ne unit must be wner ccupied. Prject may nt be invlved in any litigatin. Cntact Prject Review Team fr further details r questins. N single entity may wn mre than ne unit. Cmmercial space must nt exceed 20% f the ttal square ftage f ttal prject Mixed use prject must cntain residential and nly 1 type f nn-residential use (see pg. 33 fr additinal Prject cannt cntain manufactured hmes. Mdular Hmes are cnsidered "stick-built" and eligible prject types Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage * FLORIDA ONLY: Newly Cnverted cndminiums* require PERS review. Newly cnverted cndminiums are cndminiums whse cnversin was cmpleted within the last 3 years. Dcumentatin Submissin Frm Cnd-PUD-Cp Submissin Frm Existing r Established Cnd Wrksheet/Questinnaire. Established-Existing Cnd Wrksheet (FNMA S / FHLMC Established) Brrwer's Title wrk HOA r brrwer's declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst. If HOA's plicy is an Emplyee Dishnesty r Crime in lieu f Fidelity Bnd/Fidelity Insurance, must prvide Endrsement that nn-emplyees are cvered by plicy. If state des nt require Fidelity Bnd insurance must prvide cpy f state statute reflecting insurance is nt required. Declaratins & Bylaws Certificatin t signed and dated by HOA Declaratins-Bylaws Certificatin Cmplete cpy f prject's recrded legal Public Offering Statement, Declaratins, Bylaws and all Amendments r Exhibits. Engineer/Architect Reprt (fr nn-gut cnversins.mteted within last 3 yews) Cmplete cpy f appraisal including all addendums and pictures Brrwer's 1008 Transmittal (if applicable) Brrwer's LP findings (if applicable) Internet search t include the prject's website and the develper (if applicable) NOTE: Underwriter must always fllw current lan level Credit Plicy in cnjunctin with Prject Review Guidelines 17

4 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin FHLMC ESTABLISHED CONDOMINIUM PROJECT Must be reviewed by Prject Review Teem These prjects are ESTABLISHED The HOA is in cntrl. Cannt be an ineligible prject (see fnefigiiieprj"ect TypesseCtinlOrdefailedexpfanatirij such as Manufactured Hme, cnd-htels, timeshares, segmented wnership, husebat, multi-dwelling units, lega/ nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2 and Prject must be 100% cmplete. Prject must have 90% f the units sld t bna fide purchasers. Multiple purchases by ne wner are cunted as ne sale when determining presale Prject must have 51 % f the units sld must be wner ccupied as primary r secnd hme residences. (Owner ccupancy percentage may be waived if lan is wner ccupied as primary/secnd hme). (Occupancy rati may include REO units that are fr sale (nt rented) as investmenurental units in the ccupancy rati) N single entity may wn mre than 10% f ttal units in the prject. If prject cntains less than 10 units n single entity may wn mre than ne unit. Maximum 15% f units mre than 1 mnth delinquent with HOA fees and assessments. Prject may nt be invlved in any litigatin. Cntact Prject Review Team fr further details r questins. Cmmercial space must nt exceed 20% f the ttal square ftage f ttal prject Mixed use prject must cntain residential and nly 1 type f nn-residential use (see pg. 33 fr additinal Budget must reflect minimum 10% Replacement Reserve fr capital expenditures and deferred maintenance N mre than 20% f incme can be frm any ther surce than dues and assessments Newly cnverted prjects require the Develper t initially fund Wrking Capital Fund with 2 mnths assessments Legal Dcumentatin must prvide applicable mrtgagee rights Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage 3) fidelity bnd/fidelity insurance cverage (fidelity bnd/fidelity insurance cverage is nly required fr prject with mre than 20 units)* Fidelity Bnd insurance cverage, must at a minimum, equal at least the sum f three mnths f assessments n all units in the prject If prject has a Management Cmpany, must prvide plicy fr the Management Cmpany's Fidelity Bnd cverage and must prvide plicy fr the HOA's Fidelity Bnd cverage. Prject cannt cntain manufactured hmes. Mdular Hmes are cnsidered "stick-built" and eligible prject types Live-Wrk units are acceptable The prject dcuments allw cmmercial use and state what is r is nt acceptable The cmmercial use is cnsistent with the residential nature f the prject The unit is a t-unit dwelling designed fr residential use with minimal cmmercial use The unit wner ccupies the unit as a primary residence, and wns and runs the business FLORIDA ONLY: Newly Cnverted cndminiums* require PERS review. Newly cnverted cndminiums are cndminiums whse cnversin was cmpleted within the last 3 years. Dcumentatin prjects that can be reviewed by PNC Mrtgage. Submissin Frm Cnd-PUD-Cp Submissin Frm Existing r Established Cnd WrksheeUQuestinnaire. Established-Existing Cnd Wrksheet (FNMA S / FHLMC Established) Brrwer's Title wrk Declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst. If HOA's plicy is an Emplyee Dishnesty r Crime in lieu f Fidelity Bnd/Fidelity Insurance, must prvide Endrsement that nn-emplyees are cvered by plicy. If state des nt require Fidelity Bnd insurance must prvide cpy f state statute reflecting insurance is nt required. Declaratins & Bylaws Certificatin t signed and dated by HOA Declaratins-Bylaws Certificatin Cmplete cpy f prject's recrded legal Public Offering Statement, Declaratins, Bylaws and all Amendments r Exhibits. Cpy f prject's budget. Budget must reflect a minimum 10% in a replacement reserve. Engineer/Architect Reprt (fr nn-gut cnversins cmpleted within last 3 years Cmplete cpy f appraisal including all addendums and pictures ' Leasehld if applicable-see Leasehld Attached Brrwer's 1008 Transmittal (if applicable) Brrwer's LP findings (if applicable) Internet search t include the riect's website and the develper (if applicable) NOTE: Underwriter must always ff/w current lan level Credit Plicy in cnjunctin with Prject Review Guidelines 1"

5 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin FHLMC NEW CONDOMINIUM PROJECT Must be reviewed bv Prject Review Team These prjects are new cnstructin/new cnversin prjects that can be reviewed by PNC Mrtgage. develper is in cntrl f the prject r prject is subject t additinal phasing. The Cannt be an ineligible prject (see IfJeligible Prject Types sectih fr detailed explanatin) such as Manufactured Hme, cnd-htels, timeshares, segmented wnership, husebat, multi-dwelling units, legal nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2 & All units, cmmn areas and recreatinal facilities must be cmpleted (prject r subject legal phase must be cmplete). Prject must have 70% f the units in either the prject as a whle r in the legal phase sld r under cntract t be sld t primary/secnd hmes. Multiple purchases by ne wner are cunted as ne sale when determining presale If prject is legally phased this must be reflected in the prject's legal declaratins and bylaws) Presale/ccupancy must be 70% in subject legal phase AND in all subsequent phases) Fr the purpse f this review prcess, a prject cnsisting f ne building cannt have mre than ne legal phase. N single entity may wn mre than 10% f prject. If prject cntains less than 10 units n single entity may wn mre than ne unit. Maximum 15% f units mre than 1 mnth delinquent with HOA fees and assessments. Prject may nt be invlved in any litigatin. Cntact Prject Review Team fr further details r questins. Cmmercial space must nt exceed 20% f the ttal square ftage f ttal prject Mixed use prject must cntain residential and nly 1 type f nn-residential use (see pg. 33 fr additinal Budget must reflect a minimum 10% f ttal annual incme allcated t a Replacement Reserve fund. N mre than 20% f incme can be frm any ther surce than dues and assessments Newly cnverted prjects require the Develper t initially fund Wrking Capital Fund with 2 mnths assessments Prject's legal declaratins and bylaws must carry FHLMC mrtgagee rights. Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage 3) fidelity bnd/fidelity insurance cverage (fidelity bnd/fidelity insurance cverage is nly required fr prject with mre than 20 units)* Fidelity Bnd insurance cverage, must at a minimum, equal at least the sum f three mnths f assessments n all units in the prject If prject has a Management Cmpany, must prvide plicy fr the Management Cmpany's Fidelity Bnd cverage and must prvide plicy fr the HOA's Fidelity Bnd cverage. Prject cannt cntain manufactured hmes. Mdular Hmes are cnsidered "stick-built" and eligible prject types Live-Wrk units are acceptable The prject dcuments allw cmmercial use and state what is r is nt acceptable The cmmercial use is cnsistent with the residential nature f the prject The unit is a t-unit dwelling designed fr residential use with minimal cmmercial use The unit wner ccupies the unit as a primary residence, and wns and runs the business FLORIDA ONLY: New Cnstructin/New Cnversin/Newly Cnverted cndminiums* require PERS review. Newly cnverted cndminiums are cndminiums whse cnversin was cmpleted within the last 3 years. Dcumentatin Submissin Frm Cnd-PUD-Cp Submissin Frm New Cnstructin/New Cnversin Cnd Wrksheet/Questinnaire. New Cnstructin-New Cnversin Cnd Wrksheet (FNMA R / FHLMC New) Brrwer's Title wrk Declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst. If HOA's plicy is an Emplyee Dishnesty r Crime in lieu f Fidelity Bnd/Fidelity Insurance, must prvide Endrsement that nn-emplyees are cvered by plicy. If state des nt require Fidelity Bnd insurance must prvide cpy f state statute reflecting insurance is nt required. Cmplete cpy f appraisal including all addendums and pictures and phts Declaratins & Bylaws Certificatin t signed and dated by HOA Declaratins-Bylaws Certificatin Cmplete cpy f prject's recrded legal Public Offering Statement, Declaratins, Bylaws and all Amendments r Exhibits. Cpy f prject's budget. Engineer/Architect Reprt (fr nn-gut cnversins cmpleted within last 3 years Leasehld if applicable--see Leasehld Attached Brrwer's 1008 Transmittal (if applicable) Brrwer's LP findings (if applicable) Internet search t include the prject's website and the develper (if applicable) NOTE: Underwriter must always fl/w current lan level Credit Plicy in cnjunctin with Prject Review Guidelines NOTE: Legal Phasing means the legal dcuments (Declaratins and Bylaws) have declared the entire prject is made up f multiple phases which are reflected in the Declaratins and Bylaws alng with Exhibits and Amendments t the Declaratins and Bylaws. Cmpletin means that the prject r subject legal phase is cmplete t buyer preference items. If the prject 01- subject legal phase nly needs items such as paint, flpring;cp:fntertps, etc the prject is cnsidered cmplete. If the prject needs walls up; drywall, electric; plumbing.etc the prject r s,tbjectlegql phaseisntcnsidered cmplete. 1()

6 FHLMC Cnd Prject Apprval Guidelines//Dcumentatin... FHLMC RECIPROCAL PROJECT REVIEWS Must be reviewed by Prject Review Team These prjects are new cnstructln/new cnversin r established prjects that can be reviewed by PNC Mrtgage , Cannt be an ineligible prject (see Il1eligiblePrject Types sectin fr detaileclexplaf1atih) such as Manufactured Hme, cnd-htels, timeshares, segmented wnership, husebat, multi-dwelling units, legal nn-cnfrming where rebuilding is prhibited. This includes any prject that is nt eligible fr sale r has Prject must meet all warranties f Freddie Mac Seller/Servicer Guide Chapter 42.2 & Cmmercial space must nt exceed 20% f the ttal square ftage f ttal prject Mixed use prject must cntain residential and nly 1 type f nn-residential use (see pg. 33 fr additinal Prject must carry 1) 100% replacement cst fr building/hazard cverage, 2) $1 millin general liability cverage 3) fidelity bnd/fidelity insurance cverage (fidelity bnd/fidelity insurance cverage is nly required fr prject with mre than 20 units)* Fidelity Bnd insurance cverage, must at a minimum, equal at least the sum f three mnths f assessments n all units in the prject If prject has a Management Cmpany, must prvide plicy fr the Management Cmpany's Fidelity Bnd cverage and must prvide plicy fr the HOA's Fidelity Bnd cverage. Prject apprved by FNMA (1028)/PERS, FNMA CPM r FHA DELRAP/HRAP Prject's apprval must be in effect as f the Delivery Date f the lan. Fr prjects that are apprved by FNMA, the prject meets the FNMA requirements applicable t the Cndminium Prject including: Any terms an cnditins set frth in the acceptance have nt expired and have nt been rescinded r mdified in any way as f the Delivery Date f the Cndminium Unit Mrtgage Prject has been apprved by CPM (fr further detail please refer t FNMA R r FNMA S) Prject's apprval must be in effect as f the Delivery Date f the lan. The prject meets the FNMA requirements applicable t the Cndminium Prject The CPM prject acceptance has nt expired and have nt been rescinded r mdified in any way as f the Delivery Date f the Cndminium Unit Mrtgage Seller is nt aware f any circumstances that wuld make the prject ineligible fr CPM prject acceptance. Fr thse Mrtgages secured by Cndminium Units in Flrida LTV/CL TV :0;75%fr Primary LTV/CL TV :0;70%fr Secnd Hme Investment Prperty is nt allwed Dcumentatin Submissin Frm Cnd-PUD-Cp Submissin Frm Brrwer's Title wrk Cpy f FNMA 1028/PERS Apprval, FNMA CPM Apprval r FHA PRE DELRAP/HRAP Apprval Declaratin page f master insurance plicy If brrwer is required t carry wn building cverage, must prvide cpy f brrwer's building cverage reflecting 100% replacement cst. a If HOA's plicy is an Emplyee Dishnesty r Crime in lieu f Fidelity Bnd/Fidelity Insurance, must prvide Endrsement that nn-emplyees are cvered by plicy. If state des nt require Fidelity Bnd insurance must prvide cpy f state statute reflecting insurance is nt required. Cmplete cpy f appraisal including all addendums and pictures and phts Declaratins & Bylaws Certificatin t signed and dated by HOA Declaratins-Bylaws Certificatin Cmplete cpy f prject's recrded legal Public Offering Statement, Declaratins, Bylaws and all Amendments r Exhibits. Leasehld if applicable--see Leasehld Attached Brrwer's 1008 Transmittal (if applicable) Brrwer's LP findings (if applicable) Internet search t include the prject's website and the develper (if applicable) NOTE: Underwriter must always fllw current lan level Credit Plicy in cnjunctin with Prject Review Guidelines?()

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