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Home Valuation Code Of Conduct
The Home Valuation Code of Conduct (HVCC or the 'Code') is an American document created jointly by members of Freddie Mac and the Federal Housing Finance Agency, along with the New York State Attorney General. The document states effective May 1, 2009, Freddie Mac will no longer purchase mortgages from sellers that do not adopt the code with respect to single-family mortgages that are delivered to Freddie Mac. Also, effective for single-family mortgages made after May 1, 2009, Freddie Mac seller/servicers must represent and warrant that the appraisal report is obtained in a manner consistent with the Code. Certain types of mortgages are excluded from the Code, including: FHA/VA mortgages, Section 184 Native American mortgages, and section 502 Guaranteed Rural Housing Mortgages. The code has not been wellaaccepted by the most experienced real estate appraisers as the code eliminated constructive working relationships with lenders and brokers that had been in place and working ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Freddie Mac
The Federal Home Loan Mortgage Corporation (FHLMC), commonly known as Freddie Mac, is a publicly traded, government-sponsored enterprise (GSE), headquartered in Tysons Corner, Virginia.Tysons Corner CDP, Virginia ". . Retrieved on May 7, 2009. The FHLMC was created in 1970 to expand the secondary market for in the US. Along with the Fe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Federal Housing Finance Agency
The Federal Housing Finance Agency (FHFA) is an independent federal agency in the United States created as the successor regulatory agency of the Federal Housing Finance Board (FHFB), the Office of Federal Housing Enterprise Oversight (OFHEO), and the U.S. Department of Housing and Urban Development government-sponsored enterprise mission team, absorbing the powers and regulatory authority of both entities, with expanded legal and regulatory authority, including the ability to place government sponsored enterprises (GSEs) into receivership or conservatorship. In its role as regulator, it regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks (FHLBanks, or FHLBank System). It is wholly separate from the Federal Housing Administration, which largely provides mortgage insurance. In September 2019, the Fifth Circuit Court of Appeals, in an ''en banc'' opinion, ruled that the structure of the FHFA violated constitutional separation of powers because its director could ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
New York State Attorney General
The attorney general of New York is the chief legal officer of the U.S. state of New York and head of the Department of Law of the state government. The office has been in existence in some form since 1626, under the Dutch colonial government of New Netherland. The attorney general of the State of New York is the highest-paid state attorney general in the country. Democrat Letitia James currently serves as attorney general, in office since January 1, 2019. Functions The attorney general advises the executive branch of state government and defends actions and proceedings on behalf of the state. The attorney general acts independently of the governor of New York. The department's regulations are compiled in title 13 of the ''New York Codes, Rules and Regulations'' (NYCRR). Organization The legal functions of the Department of Law are divided primarily into five major divisions: Appeals and Opinions, State Counsel, Criminal Justice, Economic Justice and Social Justice. Chief dep ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Appraisal Management Company
Appraisal may refer to: Decision-making * Appraisal (decision analysis), a decision method * Archival appraisal, process for determining which records need to be kept, and for how long * Project appraisal, comparing options to deliver an objective * Economic appraisal, an appraisal based on comparison of monetary equivalents Property valuation * Real estate appraisal, the practice of determining the value of real property * Business valuation, the process of determining the value of businesses * Art valuation, the process of determining the value of works of art * Domain appraisal, the act of evaluating the worth of a specific domain name * Archival appraisal, the appraisal of archival collections in libraries * Appraisal value, the value of a company based on a projection of future cash flow Other uses * Appraisal (discourse analysis), the ways that writers or speakers express approval or disapproval for things or ideas * Appraisal theory, a psychological theory of e ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
National Association Of Realtors
The National Association of Realtors (NAR) is an American trade association for those who work in the real estate industry. It has over 1.4 million members, making it one of the biggest trade associations in the USA including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. The organisation holds a U.S. trademark over the term "realtor", limiting the use of the term to its members. NAR also functions as a self-regulatory organization for real estate brokerage. The organization is headquartered in Chicago. Overview The National Association of Realtors was founded on May 12, 1908 as the ''National Association of Real Estate Exchanges'' in Chicago, Illinois. In 1916, the National Association of Real Estate Exchanges changed its name to The National Association of Real Estate Boards. The current name was adopted in 1972. NAR's members are residential and commercial real estate brokers, real estate salesp ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Webcite
WebCite was an on-demand archive site, designed to digitally preserve scientific and educationally important material on the web by taking snapshots of Internet contents as they existed at the time when a blogger or a scholar cited or quoted from it. The preservation service enabled verifiability of claims supported by the cited sources even when the original web pages are being revised, removed, or disappear for other reasons, an effect known as link rot. Service features WebCite allowed for preservation of all types of web content, including HTML web pages, PDF files, style sheets, JavaScript and digital images. It also archived metadata about the collected resources such as access time, MIME type, and content length. WebCite was a non-profit consortium supported by publishers and editors, and it could be used by individuals without charge. It was one of the first services to offer on-demand archiving of pages, a feature later adopted by many other archiving service ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Wayback Machine
The Wayback Machine is a digital archive of the World Wide Web founded by the Internet Archive, a nonprofit based in San Francisco, California. Created in 1996 and launched to the public in 2001, it allows the user to go "back in time" and see how websites looked in the past. Its founders, Brewster Kahle and Bruce Gilliat, developed the Wayback Machine to provide "universal access to all knowledge" by preserving archived copies of defunct web pages. Launched on May 10, 1996, the Wayback Machine had more than 38.2 million records at the end of 2009. , the Wayback Machine had saved more than 760 billion web pages. More than 350 million web pages are added daily. History The Wayback Machine began archiving cached web pages in 1996. One of the earliest known pages was saved on May 10, 1996, at 2:08p.m. Internet Archive founders Brewster Kahle and Bruce Gilliat launched the Wayback Machine in San Francisco, California, in October 2001, primarily to address the problem of web co ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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