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Fannie Mae has recently stipulated changes to several calculations in the Market Conditions Addendum to the Appraisal Report (Form 1004MC), requiring appraisers to use the new calculations for all mortgage loan applications dated on and after September 1, 2010. Refer to Page 4 in the document linked below for the updated guidelines from Fannie Mae: https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2010/sel1009.pdf
Instructions for the use of the Template and form STARTING September 1, 2010