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A), 7/11/17) 17.05.050 Elimination of Legal Nonconforming Uses and Structures. 17.140.050 Illegal nonconforming uses or structures as public nuisance. I've talked to the lender, someone at the collateral review department is requesting this letter. Multifamily residential real estate securing the Mortgage Loan, including the Copyright JVM Lending 2023. Since, Mr. Barta's retirement there has . %PDF-1.7 % Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. If a property constitutes a legal, non-conforming use of the land and is a one- to four-unit property or a unit in a . This is an issue under the zoning by-laws. width: 60px; The concept provides that, simply put, zoning by-laws cannot apply retroactively. (For best result, pose your search like a question. { Thanks, Paul Philadelphia, Pennsylvania 0 Votes Non-residential use may not impair the residential character or marketability of the Property. 9-3-4: Nonconforming Buildings, Structures, Uses, Uses of Land, or Uses The owners of the subject property must have the right to access those facilities, which must be viable on an ongoing basis. ZONING VERIFICATION/REBUILD LETTER REQUEST - Vallejo Pipes The VA One-Time Close is a 30-year mortgage available to veteran borrowers. Applications require a $150 filing fee. Legal nonconformities are structures or uses that have received building and zoning permits previously under the regulations in place at the time of construction. top: 0; Fannie Mae only purchases or securitizes mortgage loans on properties if the improvements constitute a legal conforminguse of the land. filter: blur(30px); The developer will suffer a loss because instead of building additional units, he must now set aside space for the parking area. If public sewer and/or water facilities, those that are supplied and regulated by the local government, are not available, community or private well and septic facilities must be available and utilized by the subject property. If the current improvements clearly do not represent the highest and best use of the site as an improved site, it must be indicated on the appraisal report. Processing time may take up to 30 days. .blog-banner-shortcode .blog-banner-shortcode .new-buttons { What I've learned is a rebuild letter states that if the property is destroyed by fire that it can be reconstructed to correspond to its present use. That said, anytime you encounter older FHA loan information that references HUD 4155.1 or other rulebooks, its best to double check your information with the current requirements as listed in HUD 4000.1. 5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. Over time, it has evolved as a convenient way to refer to the legal concept of protecting lawfully pre-existing nonconforming uses of land from later-enacted prohibitions. Questions About BiggerPockets & Official Site Announcements, Home Owner Association (HOA) Issues & Problems, Real Estate Technology, Social Media, and Blogging, BRRRR - Buy, Rehab, Rent, Refinance, Repeat, Real Estate Development & New Home Construction, Real Estate Wholesaling Questions & Answers, Rent to Own a.k.a. A (Very) Brief Introduction to Prior Non-Conforming Lots and Uses in PDF PLANNING & DEVELOPMENT DEPARTMENT - Colorado Springs, Colorado Our team is available 7 days a week and guarantees 60-minute response times to inquiries via phone at 855-855-4491 or via email at[emailprotected]. Non-Conforming Users | Pace Law School Improvements, and margin-top: 0; Nonconforming Use legal definition of Nonconforming Use All of those criteria must be met if the improvements are to be considered as the highest and best use of a site. These are often referred to as grandfathered in or grandparented in. gap: 12px; Improvements, and The information in this article can be impacted by many unique variables. Apparently this is because the property was a single family home that was converted to 3 condo units. Legal nonconforming rights are one of the most powerful protections afforded to landowners under land use planning law. Canada: The Legal Nonconforming Rights Trilogy In Ontario - Mondaq The letter identifies the current zoning district and legal number of units on record for a specific property. The use has the same or lesser parking requirement as the existing or previous use; or 2. Credit Score Under 700 And Less Than 20% Down FHAs Better De FHA Keeps BEATING Fannie Mae! . opacity: 0; Nonconforming use - Wikipedia I was about toclose on arefi when my mortgage company through me a curve ball needing a structural report anda rebuild letter. Improvements, and A nonconforming use is generally defined as a land use or structure that was legal when established but does not conform to the standards of the current zoning ordinance. If you still have Technical Support questions, } You cannot stop the use you were making of the property and then start it again later. { We've been listening to your feedback and are excited to share the newest version of the Single-Family Seller/Servicer Guide. ), Selling, Securitizing, and Delivering Loans, Chapter B4-1: Property Assessment and Valuation, Section B4-1.3: Appraisal Report Assessment, Research Quick way of getting a rebuild letter for legal non-conforming David Greene shares the exact systems he used to scale his personal property (per the Uniform Commercial Code). .blog-banner-shortcode .new-buttons a.new-btn:hover:before { Lender Letter, Freddie Mac and Fannie Mae have jointly developed the following documents that include modified language to be used with desktop appraisal reports and exterior-only appraisal reports: Modified Set of Instructions, Scope of Work, Statement of Assumptions and Limiting Conditions, and Certification for . In practice, they both can remain relevant for a very, very long time. Get your personalized instant rate quote: There are three main categories of applications in relation to legal non-conforming uses that can be brought to the Committee: Enlargement or Extension of a Building or Structure. .blog-banner-shortcode .banner-blog-shortcode-button The appraiser must report the specific zoning class in the appraisal, along with a general statement as to what the zoning permits, such as one- or two-unit, when they indicate a specific zoning such as R-1 or R-2. Under Minnesota law, owner of destroyed nonconforming use must apply to For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. s ability to rebuild ImprovementsImprovementsBuildings, structures, improvements, and alterations, including the multifamily housing dwellings, now constructed or hereafter constructed or placed on the land upon which the Property is located, together with all fixtures (as defined in the Uniform Commercial Code). They often exist as unique structures or landmarks within neighbourhoods. What is a Rebuild Letter? Legal Non-Conforming structures can be an excellent way to diversify an investment portfolio. PDF Department of Licenses and Inspections Securitized Commercial Mortgage Loan Closing Checklist Identifythe current zoning or land use designation. 5 As the Fifth District Court of Appeal noted in Lewis v. City of Atlantic Beach, 467 So. Click "Download" to save the changes. A rebuild letter states whether the existing structure is conforming or non-conforming and whether it may or may not be rebuilt in the event that the structure is damaged or completely destroyed. Having Issues with Seeing this Page Correctly? overflow: hidden; { hb```f`` ,@QeptAGXXiiY Q ($Y8 =@m+x012lh: inF=; F+! 00{*0C ,k text-decoration: none; Tagged with: FHA Loan, FHA Loan Questions, FHA Loan Rules, FHA Loans, Real Estate. Joe Wallace has been specializing in military and personal finance topics since 1995. The reader question implies that the property meets the above criteria, being an actual residence in spite of the zoning. border-radius: 4px; A building or structure nonconforming due to parking standards may be occupied by any use permitted in the zone in which it is located subject to the limitations and conditions governing such use as specified in the zone; provided, that: 1. endstream endobj startxref Term, 2016, 2017 WL 4786756 (Md. We do not ask users to bypass their lender. The County has given a letter stating that they would allow the rebuilding of the residence as long as less than 75% was damaged in a disaster. is not allowed to rebuild the Property as is under current law. Our goal is to educate our readers as to the many ways they can achieve home ownership. JVM Lending is a division of Vellum Mortgage, Inc. | NMLS 1657323 | Licensed in CA, TX, AZ, FL, MA, TN | For licensing information go to www.nmlsconsumeraccess.org | Licensed under the CRMLA by the California Department of Business Oversight | Equal Housing Opportunity, JVM Lending, font-size: 22px; NOTE: JVM Lendings blog is protected under copyright law and all instances of plagiarism of our content will result in legal action. City Hall, 121 N. LaSalle St.Room 1000Chicago, Illinois 60602Hours: 8:30 a.m. to 5 p.m. Zoning MapZoning CodeJoin DPD's Email ListRecent NewsInteractive TIF PortalCity-Owned Land Inventory, We Will ChicagoINVEST South/WestNeighborhood Opportunity FundIndustrial Corridor ReviewChicago PACELarge Lots, An official website of the City of Chicago, City Council Office of Financial Analysis, Community Commission for Public Safety & Accountability, Local IndustrialRetention Initiative (LIRI), Feb 17, 2023 - City Of Chicago, 548 Enterprise, And Related Midwest Break Ground On Industrial Site And Innovation Center In North Lawndale, Feb 16, 2023 - We Will Chicago Planning Process Culminates With Adoption By The Chicago Plan Commission, Feb 10, 2023 - Mayor Lightfoot Announces Twelve Recipients Of $27 Million In Community Development Grants, Feb 1, 2023 - City Assistance to Create West Ridge Home for American Blues Theater, Feb 1, 2023 - TIF Funding Proposed for German American Cultural Center. When removal of a pole sign is so required, the entire sign structure above grade, fee simple or Leasehold interest, He can be reached at our toll-free number (855) 376-5291 or by email at fniemann@hnlawfirm.com. on a non-conforming PropertyPropertyMultifamily residential real estate securing the Mortgage Loan, including the margin-bottom: 32px; , you should consider: Joint and Several Borrowers with Multiple Properties, Subordination, Non-Disturbance and Attornment, Tenant Estoppel Certificate; Lease Modification, Acceptable Renewable Energy Generation Systems, Underwritten Net Cash Flow (Underwritten NCF), Property Previously Secured Bond Financing, Exception for Taxes, Assessments, or Other Lienable Items, Environmental Protection Lien Endorsement, Uniform Commercial Code (UCC) Financing Statements, Creating and Perfecting the Security Interest, General Insurance Applies to All Policies, Blanket and Other Policies Covering Multiple Properties, Business Income (including Rental Value) Insurance, Boiler and Machinery / Equipment / Mechanical Breakdown Insurance, Risk Retention Groups and Captive Insurance, Directors and Officers Liability Insurance, HPB Module, HPB Report, and Technical Solar Report Scoring, HPB Module, HPB Report, and Technical Solar Report Approval, Dependency and Medicaid Transition Reserve, Management, Operations, and Regulatory Compliance, Collateral; Tenant-Occupied and Affiliate-Owned Homes, Public Roadways, Private Interior Roadways, and Drives, Eligible Characteristics and Underwriting, Ineligible Characteristics and Underwriting, Affordable Regulatory Agreement Restrictions, Lien Priority and Title Insurance Policy, Additional Underwriting and Loan Documents, Properties with Both HAP Contracts and LIHTC Units, Transactions Funded with Tax-Exempt Bond Proceeds, Fannie Mae Credit-Enhanced Tax-Exempt Bond Issuance, Borrowers, Key Principals, Guarantors, and Principals, Lender FHA Risk Sharing Reserve and Loss Sharing Modifications, Cooperative Market Rental Basis NCF (Underwritten NCF), Cooperative Market Rental Basis DSCR (Underwritten DSCR), Small Mortgage Loan Underwritten NCF (Underwritten NCF), Site Inspection by Lender or Other Third Party, Prepayment Option 1 Declining Prepayment Premium Schedule, Prepayment Option 2 - 1% Prepayment Premium Schedule, Including the Cap Cost Factor in the Variable Underwriting Rate, Interest Rate Cap Contract Documentation and Delivery, Borrower, Guarantor, Key Principals, and Principals, Interest Rate Determination and Rate Lock, UCC Continuations, Amendments, and Terminations, Releasing/Reducing Letters of Credit or Other Collateral, Monthly Securitized Mortgage Loan Security Balance Reporting, Same Month Pooling Security Balance for First Reporting Cycle, Security Balances Due by Second Business Day, Monthly MBS Mortgage Loan Reconciliations - Pool-to-Security Balance Reconciliations (Not Applicable to PFP MBS), Required Annual Adjustment to Correct Principal Balance vs. Security Balance Difference, Pool-to-Security Reconciliation Certification, Adjustable Rate Mortgage Loan Interest Rate Changes and Required Monthly Payments, Monthly Reporting for ARM Loan Payment/Rate Changes, Delinquency Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Delinquency Advances on a Credit Enhancement Mortgage Loan, Servicing Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Servicing Advances on a Credit Enhancement Mortgage Loan, Duration of Payment of Delinquency Advances or Servicing Advances, Reimbursement for Delinquency and Servicing Advances, Repayment of Servicing Advances from Borrower, No Capitalization of Servicing Advances for Securitized Mortgage Loans, Monthly P&I Remittance Due Dates for Cash and MBS Transactions, Additional Requirements for Monthly Remittance for Security Transactions, Securitized Mortgage Loans Remitting Fees to Fannie Mae, Guaranty Fee Due on 7th Calendar Day of Month, Same Month Pooling Interest and Guaranty Fee Remittance for First Reporting Cycle, Notification to Fannie Mae if Unable to Have Funds Available on any Remittance Date, Review of Applicable Loan Documents Required, Notification of Prepayment; Timing of Prepayment, Notice and Timing Consistent with Loan Documents, Borrower Notice Must Contain Date of Intended Prepayment and Comply with Notice Requirements of the Loan Documents, Loan Document Requirements for Payoff and Lockout Dates, Notice to Fannie Mae of Proposed Payoff; Use of Fannie Mae Payoff Calculator, Timing of Confirmation of the Full Prepayment Payoff Amount, Full Prepayment for Cash Transactions and PFP MBS, Confirming the Full Prepayment Payoff Amount, Full Prepayment for Securitized Transactions (Not Applicable to PFP MBS), Fannie Mae Approval Required for Partial Prepayments, Prepayment Premium Due on Partial Prepayment, Reporting and Remitting Partial Prepayments When Not Permitted in Loan Documents, Reporting and Remitting Partial Prepayments When Permitted in Loan Documents, Reporting and Remitting Partial Prepayments, Yield Maintenance Prepayment Premiums Prepayment Occurs Before the Yield Maintenance Period End Date, Calculation of Investors Share of Total Prepayment Premium for a Securitized Mortgage Loan, Calculation of Fannie Maes Share of Total Prepayment Premium, Calculation of Servicers Share of Total Prepayment Premium, Yield Maintenance Prepayment Premiums Prepayment Occurs On or After the Yield Maintenance Period End Date, Prepayment On or After Yield Maintenance Period End Date, Fixed Rate Mortgage Loans with Graduated Prepayment Premiums, Prepayment Premiums for ARM Loans and Structured ARM Loans, Prepayment Premium Waivers; Servicers Share of Prepayment Premium, Servicer Notification of Payoff Amount to Borrower, Calculating and Obtaining Confirmation of Payoff Amount, Fannie Mae Will Not Confirm Nor Is Responsible for Amounts Owing to Servicer, Fannie Mae Confirmation of Full Payoff Amount, No Quote to Borrower Until Fannie Mae Confirmation, Reporting the Payoff and Remitting the Payoff Funds, Reporting Full Payoff Amount Through the eServicing System Due By 2nd Business Day of Month, Post Payoff Document Retention Requirements, Monthly Bond Credit Enhancement Reporting, Monthly Remittances of Scheduled Payments to Bond Trustee, Replenishment of Withdrawals from the PRF, Collection and Remittance of Borrower Reimbursement Obligations for Fannie Mae Advances, Notice and Collection of Other Fees and Expenses, Bond Redemption Premiums Payable to Bondholders, Termination Fee or Prepayment Premium Payable to Fannie Mae, Termination When No Prepayment Occurs; Weekly Variable Rate Transactions, Mortgage Loan Documents Must Permit Defeasance, Notifying the Internal Revenue Service about Abandonments or Acquisitions (IRS Form 1099-A), Notifying the Internal Revenue Service about Cancellations of Indebtedness (IRS Form 1099-C), Coordination with Reporting Abandonments or Acquisitions, Borrower's T&I Impositions and Custodial Accounts, Monitoring Compliance with Loan Documents, Servicer Certification When Fannie Mae Approval Is Not Required, Servicer Certification When Fannie Mae Approval Is Required, Submitting the Request for Subordinate Financing, Funds as Additional Security for Mortgage Loan, Waiver or Modification of Terms of Collateral Agreement, Achievement Agreement or Other Agreement for Additional Collateral, Draws on Letters of Credit or Application of Other Collateral, Releasing Additional Escrows for Principal and Interest, Taxes and Insurance, and Replacement Reserves, Completion/Repair Loan Document Amendments, Green Rewards Efficiency Measure Verification, Replacement Reserve Loan Document Amendments, Modifications to Replacement Reserve Deposits, When Replacement Reserve Funding Was Partially or Fully Waived, Items Eligible for Funding from the Replacement Reserve, Items Not Eligible for Funding from the Replacement Reserve, Return of Replacement Reserve Funds to Borrower, Alternative Funding of Replacement Reserves for Portfolio Mortgage Loans, Replacement Interest Rate Hedge and Notification, Replacement Interest Rate Hedge Documents and Follow Up, No Financing for Property and Liability Insurance Premiums, Flood Map Changes; Obtaining Flood Insurance, Servicers Administrative Costs and Expenses, Required Casualty Loss Property Inspection, Documentation for Required Casualty Loss Property Inspections, Endorsement of Insurance Loss Draft or Check When Payable to Fannie Mae, Endorsement of Insurance Loss Draft or Check When Not Payable to Fannie Mae, Insurance Loss Draft or Check Not Payable to Either Fannie Mae or Servicer, Borrowers Failure to Diligently Pursue Repair, Decisions Delegated by the Delegated Transaction Form 4636 series, Supplemental Mortgage Loans Not Permitted, Decisions and Actions Delegated and Not Delegated, Seniors Housing Expansion/Conversion Requests, Request Changes in Unit Count/Mix in the MAMP, Bond Transactions and Credit Enhancement Mortgage Loans, Compliance Issues Relative to Bond Credit Enhancement Transactions, Monitoring Compliance; Notification of Noncompliance, Default Notice for Failure to Comply with the Bond Documents, Multifamily Affordable Housing (MAH) Properties, HAP Contract Approval and Releasing Restabilization Reserve, Quarterly Financial Analysis of Operations, Borrower Fails to Provide Guarantor Financial Reports, Lender Tenders for Minor or Immaterial Defaults, Definition of Non-Performing Mortgage Loan, Partial Payments by Borrower Do Not Change Date of Default, Timing for Imposition of Late Charges and Default Interest, No Deduction for Late Charges or Default Interest, Enforceability of Late Charges and Default Interest, Notice to Fannie Mae of Performance Default, Full Payment After Expiration of Period Before Assessing Late Charges, Copies of Letters Sent to Borrower; Correspondence with Borrower, Funding Capital Repairs During Default Resolution, Documenting the Property Management Change, Servicer Performs Loss Mitigation Actions, Servicer Workout Action Template (SWAT), Fannie Mae Performs Loss Mitigation Actions, Election and Implementation of a Course of Action, Course of Action Lender Purchase of Mortgage Loan, Course of Action Lender Workout Election, Documentation and Terms of Lender Workout, Lender Workout Has No Impact on Loss Sharing or Recourse Obligation, Servicer Makes Delinquency Advances But Fails to Report Mortgage Loan Delinquent, Foreclosure Process Continues Unless Otherwise Agreed to by Fannie Mae, Delinquency Advances Must Be Made During Negotiation of Joint Workout, Modification, Extension, and Forbearance Fees, Management of Property Post Title Vesting in Fannie Mae, Course of Action Note Sale Election or Discounted Loan Payoff, Note Sale and Discounted Loan Payoff Defined, Any Note Sale or Discounted Payoff Gives Rise to Loss Sharing Event, Note Sale Secondary Risk Mortgage Loans, Discounted Loan Payoff - Secondary Risk Mortgage Loans, Calendar Days 31 through 60 after a Payment Default or Performance Default, No Disclosure of Lenders Contract Terms to Borrower; Borrower Not a Third-Party Beneficiary of Lender Contract, Asset Audits for Secondary Risk Mortgage Loans, Special Requirements for the Environmental Assessment, Appraisal Notice and Election of Appraisal Methodology. 17-10 5 (Exh. -ms-transform: translateX(300px) skewX(-15deg); This property generated a lot of interest - they had another party make an offer and they had 4 people come back for second visits within the one week it was on the market, so I'm sure they're thinking they could probably find another buyer that could get the deal done before us. -ms-flex-direction: column; For improvements to represent the highest and best use of a site, they must be legally permitted, financially feasible, and physically possible, and must provide more profit than any other use of the site would generate. Given the range of interpretation of zoning uses, landowners who want to change a legal non-conforming use to a related use may walk a thin line somewhere between points 3 and 4 above, at the risk of prosecution. If the existing Property does not comply with all of the current zoning ordinances but is accepted by the local zoning authority, the Appraiser must report the Property as Legal Non-Conforming and provide a brief explanation. Oct. 24, 2017), discusses the granting of authority to rebuild a house that was non-compliant with current zoning laws, after it was destroyed by casualty.. Jean Marie Jones and her husband owned 3505 Beach Road in Middle River, Baltimore County. However, Fannie Mae will purchase or securitize a mortgage for a property that constitutes a legal, non-conforming use of the land provided the use of the land and the appraisal analysis reflects any adverse effect that the non-conforming use has on the value and the marketability of the property. personal property (per the Uniform Commercial Code). } This is an example of: Select one: A. If the use of comparable sales demonstrates that the improvements are reasonably typical and compatible with market demand for the neighborhood, and the present improvements contribute to the value of the subject property so that its value is greater than the estimated vacant site value, the appraiser should consider the existing use as reasonable and report it as the highest and best use. .blog-banner-shortcode ul li Center, Apps Except as provided in this Section, a non-conforming use may be changed to any conforming use, and the applicable district bulk regulations and accessory off-street parking . font-size: 18px; information from other Fannie Mae published sources. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. What is Non-Conforming Real Estate? | REtipster.com A Cautionary Tale To Owners Of Pre-Existing Nonconforming Uses And & Insights, Pricing & The appraiser must comment on any adverse conditions and address their effect on the value and marketability of the subject property. personal property (per the Uniform Commercial Code). Eminent domain B. Inverse condemnation C. Police powers D. Escheat C. Police powers In the A and R Zones, any nonconforming use of a building first permitted in the MR1 or less restrictive zone shall be discontinued within five years from June 1, 1946, or five years from the date the use becomes nonconforming, whichever date is later. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its FHA News and Views. 2 0 obj Miscellaneous FAQ | DRP - Los Angeles County, California opacity: 0.6; dc. or building expansion on the premises, the pole sign shall lose its legal non-conforming status. Ct. Spec. It's nothing unusual. Questions about this article? display: flex !important; display: flex !important; -ms-transform: translateX(-100px) skewX(-15deg); If you have questions about the purchase process, you can also view our. .blog-banner-shortcode ul li:first-child .banner-blog-shortcode-button Modifications to Multifamily Loan and Security Agreement (Legal Non-Conforming Status, Registration and Multifamily Affordability Estimator, Key Principals, Principals, and Guarantors, Escrow Requirements for Taxes and Insurance, Rehabilitation Work Costing More than $20,000 Per Unit, Continuing Care Retirement Communities (CCRCs), Multifamily Affordable Housing Properties, Restrictive Covenants and Affordable Regulatory Agreements, Refinancing Section 236 Properties IRP is Maintained, LIHTC Properties Lender Equity Interest, Transactions with Fannie Mae Debt and Equity Interests, Borrower, Key Principals, Guarantors, and Principals, ARM 5/5 Loan Optional 5-Year Adjustable Rate Term Renewal Eligibility, Structured Adjustable Rate Mortgage (SARM) Loans, Hybrid Adjustable Rate Mortgage (Hybrid ARM) Loans, Split Mortgage Loans and Bifurcated Mortgage Loans, Fannie Mae LIHTC Investment in Credit-Enhanced Bonds, Taxable Tails and Supplemental Mortgage Loans, Moderate Rehabilitation Mortgage Loan with Side-by-Side Bond Financing, Third Party MBS Investor Delivery Scenarios, ARM 5/5 Optional 5-Year Adjustable Rate Term Renewal, Credit Enhancement Mortgage Loan Committing and Delivery, Collection, Tracking and Reporting of Monthly P&I Payments and T&I Amounts, Reporting Loan Activity and Security Balance, ARM Loan Interest Rate and Monthly Payment Changes, Partial Prepayments Not From Insurance or Condemnation Proceeds, Prepayments (Full or Partial) Involving Insurance Proceeds or Condemnation Awards, DUS Bond Credit Enhancement Transactions Reporting and Remitting Requirements, Reporting Collateral Balances in Custodial Accounts, Internal Revenue Service Reporting Requirements, Asset Management: Loan Document Administration, Delegation of Decision-Making Authority; Retention of Outside Legal Counsel, Execution of Documents by Servicer Limited Power of Attorney, Notice of Lien or Noncompliance with Applicable Laws, Ordinances and Regulations, Casualty Losses Performing Mortgage Loans, Casualty Losses Non-Performing Mortgage Loans, Credit Enhancement Mortgage Loans and Multifamily Affordable Housing Properties, MH Communities with Tenant Site Lease Protections, Secondary Risk Mortgage Loans and Primary Risk Mortgage Loans, Capital Repairs and Protection of Property and Property Income, Reinstatement; Calculation of Payoff Amount, Non-Performing Primary Risk Mortgage Loans Transfers to Fannie Mae Special Asset Management, Non-Performing Secondary Risk Mortgage Loans Special Servicing, Special Servicing of Primary Risk Mortgage Loans, Loss Sharing and the Appraisal Process in connection with a Foreclosure Event, Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance.