Dear Sher, Like so many other people, I suddenly find myself working from home! I know you guys do it all the time, have you got any advice for me?

I’m working on an application and with all of the changes lately, I’m not sure if I need a landlord verification? If an applicant has a reliable score over 640, does the rent need to be verified at all?

I am working with an applicant who is very low-income, purchasing a very (documented) energy efficient home and needs both the energy ratio increase and 38-year term to ratio qualify for enough loan funds. They’ve had the same job for three years, have great credit, no payment shock or any other areas of concern/risk. It has been suggested that it’s never okay to use the 38-year term in combination with the energy ratio increase.

I just have a quick question about the Unnumbered Letter from April 15 regarding self-help grantees and certified loan application packagers/intermediaries ordering appraisals. Does the appraiser have to be on the Rural Development approved list of appraisers?

I am packaging a 502 loan for our next self-help group and I am having trouble with the 4-A Calculator. The applicant receives social security income and when I enter it in the calculator it only allows me to count it as repayment income but I need to use it for annual income too, where am I going wrong?