. � The new rate is typically based on the Fannie Mae 60 day net yield index and is added to a pre-determined margin, usually 0.500. 0000008722 00000 n The way to complete the Online fannie mae balloon note on the internet: To begin the document, utilize the Fill & Sign Online button or tick the preview image of the blank. Complete Fannie Mae Balloon Note 2020 online with US Legal Forms. Information in this summary is supplied by Fannie Mae Data Dynamics, which contains a subset of our 30 -year and less, fully amortizing, full documentation, single- family, conventional fixed- rate acquisitions. DATE 3 Note Date The date on which the mortgage note or deed of trust is executed. 9/01) (page 1 of 2) BALLOON NOTE ADDENDUM (CONDITIONAL RIGHT TO REFINANCE) THIS BALLOON NOTE ADDENDUM is made this _____ day of _____, _____, and is Fannie Mae expects any Borrower Borrower Person who is the obligor per the Note. �*0Wm��-Þ�8`�ö���}�=0! g�[��'M�ӿ�ʜ��}{b��o���]}��o��nd)?�ő��)ͥw��н0R�:D&�Q�Iv�'�ڧ575�ǚ�,��Ү�R�G��.��"AD��H�����!�S����5P͒C�$H|��.rߖ��b5� ��F$�̣�Y-���%�hwP�搄@�וͧ�g��`�����x��WR�z����4bg��.�}lٻJ�o�g�+7�P��p��_ZKܜ�ʜ��� �fI�A@2w\����B5��#J��8��U Note that converting to this new rate is permitted only if the prescribed conditions are met and if not, then the loan is due and payable to the lender as a balloon loan (review your loan documents carefully). The new rate is typically based on the Fannie Mae 60 day net yield index and is added to a pre-determined margin, usually 0.500. must be approved by Fannie Mae. %%EOF The new rate is typically based on the Fannie Mae 60 day net yield index and is added to a pre-determined margin, usually 0.500. It includes the following subparts: Contractual Obligations, Getting Started with Fannie Mae, Maintaining Fannie Mae Seller/Servicer Status, Setting Up Servicer Operations. with a Balloon Mortgage LoanBalloon Mortgage LoanMortgage Loan with periodic installments of principal and interest that do not fully amortize the Mortgage Loan, with the balance of the Mortgage Loan due in a lump sum on a specified date, usually the Maturity Date. Doing Business with Fannie Mae. Access the most extensive library of templates available. (Ì*S˭��ΰ>w�Dx�w��p�p}����[0,+��i�l�d�B xref Since the additional payments are in huge amounts over and above the loan payment it is called a Balloon Loan. The most secure digital platform to get legally binding, electronically signed documents in just a few seconds. lender is under no obligation to refinance the loan at that time. �l+~��Wx4���KSo����6�(5��>*�u�����5#�i,ߏM�3L9�y�. \E Form Balloon. 6�y����cGM+ 0000009191 00000 n 0000007161 00000 n Fannie Mae produced an automated underwriting system (AUS) tool called Desktop Underwriter (DU) which lenders can use to automatically determine if a loan is conforming; Fannie Mae followed this program up in 2004 with Custom DU, which allows lenders to set custom underwriting rules to handle nonconforming loans as well. endstream endobj 22 0 obj<> endobj 23 0 obj<> endobj 25 0 obj<> endobj 26 0 obj<> endobj 27 0 obj<>/ProcSet[/PDF/Text]/ExtGState<>>> endobj 28 0 obj<> endobj 29 0 obj<> endobj 30 0 obj<> endobj 31 0 obj<> endobj 32 0 obj<> endobj 33 0 obj<> endobj 34 0 obj<>stream Instrument Last Modified Summary Page Last Modified. trailer Available for PC, iOS and Android. ... recourse to the Borrower Borrower Person who is the obligor per the Note. Balloon payments are a loan feature frequently found in commercial and residential mortgages. multistate balloon note (fixed rate)--single family--freddie mac uniform instrument form 3290 1/01 (page 1 of 3 pages) balloon note (fixed rate) this loan is payable in full at maturity. Fannie Mae Reports Net Income of $11.8 Billion for 2020 and $4.6 Billion for Fourth Quarter 2020 February 11, 2021 Fannie Mae Prices $1.07 Billion Multifamily DUS REMIC (FNA 2021-M4) Under Its GeMS Program This part describes the processes and procedures required when doing business with Fannie Mae. Mortgage Loan with periodic installments of principal and interest that do not fully amortize the Mortgage Loan, with the balance of the Mortgage Loan due in a lump sum on a specified date, usually the Maturity Date. 0 An MBS settlement option in which a lender delivers pools of mortgages to Fannie Mae and receives a cash payment for them, with the securities from the delivered pools being used to satisfy a trade with either Fannie Mae or a third party. A balloon payment mortgage may have a fixed or a … MULTISTATE BALLOON RIDER (Modification and Extension)--Single Family--Freddie Mac UNIFORM INSTRUMENT Form 3190 1/01 (page 2 of 2 pages) 5. Balloon Note Form. 0000001687 00000 n Filling in Fannie Mae Balloon Note does not really have to be perplexing anymore. endstream endobj 38 0 obj<>stream A balloon payment mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity. Instrument Last Modified. �'9k��7(��/��p�ٔБ��e�y��П�6|����g�ef7ֿ^c�7��7:�*1�A�Z����J§���B��=�C#�L�#r�K5F��"�;��#Q#��=������ލ�v�ϋ䯈4�FI���GD�+(|�0�������HY�;K����խ��Ӿ4�ڡ��� ��'*�qs����J8�c�Ix �'��C ����(qHVB��#͋K�Џ�~$xBg���Q����Is��h{����� 8 ��#�p Fannie Mae personnel who assist you with various business matters (e.g., Fannie Mae Deal Team, pricing, delivery, servicing, asset management, etc.). Available for PC, iOS and Android. EXERCISING THE CONDITIONAL MODIFICATION AND EXTENSION OPTION The Note Holder will notify me at least 60 calendar days in advance of the Note Maturity Date and advise me of the 0000001775 00000 n multistate balloon fixed rate note- single family – fannie mae uniform instrument form 3260 1/01 (page 1 of 3) balloon note (fixed rate) this loan is payable in full at maturity. 0000001615 00000 n . �c�o.&VI�%��~�M�dޥϱ,�RF ӳ�5Y� See B3-6-07, Debts Paid Off At or Prior to Closing , for additional information on open 30–day charge accounts. You can stipulate the final amount due on your Note, although that may need adjustment if the Borrower's payments are not exactly to schedule. An example of the Note change for New Hampshire may be found in the Fannie Mae/Freddie Mac Fixed-Rate Note for New Hampshire, Form 3230, dated 1/01, prepared specifically for use in the State of New Hampshire. T�@�^��{8Y�4޷c1�34�Ǥ�����s((�'�3�y7�Ǻ꯻f�J��u�g*nHa�J�� Mortgage Loan Mortgage Loan Mortgage debt obligation evidenced, or when made will be evidenced, by the Loan Documents or a mortgage debt obligation with a Fannie Mae … 0000004165 00000 n Uniform Instruments are the Fannie Mae/Freddie Mac and Freddie Mac Notes, Riders, and Security Instruments (Deeds of Trust and Mortgages) used when originating Single-Family residential mortgage loans, in all States and U. S. Territories, as identified in the List of Single-Family Uniform Instruments provided on this website and also identified in Guide Exhibit 4. Uniform Instruments are the Fannie Mae/Freddie Mac and Freddie Mac Notes, Riders, and Security Instruments (Deeds of Trust and Mortgages) used when originating Single-Family residential mortgage loans, in all States and U. S. Territories, as identified in the List of Single-Family Uniform Instruments provided on this website and also identified in Guide Exhibit 4. fannie mae balloon note,document about fannie mae balloon note,download an entire fannie mae balloon note document onto your computer. All loans are current as of the Pool Issue Date. Note1/01. Fannie Mae Charter Act means the Federal National Mortgage Association Charter Act, as amended ... (vii) A conversion of a balloon mortgage note on a single-family property to a fully amortizing mortgage note where the Enterprise already owns or has an interest in the balloon note at the time of the conversion. 7 Year Balloon FN7B-7 1487 Note: FNMA Special Feature/Characteristic Codes must be entered on these loans as applicable. fails to pay off a Balloon Mortgage LoanBalloon Mortgage LoanMortgage Loan with periodic installments of principal and interest that do not fully amortize the Mortgage Loan, with the balance of the Mortgage Loan due in a lump sum on a specified date, usually the Maturity Date. )��0�������_�fc�(���G�vK���x���N|�x)>p#)˅X�9$�� ���ܞ�. 0000006361 00000 n 0000004835 00000 n and the other Loan DocumentsLoan DocumentsAll documents evidencing, securing, or guaranteeing the debt obligation executed for a Mortgage Loan and approved by Fannie Mae. 0000003238 00000 n Meanwhile, commercial real estate loans can be as short as 1 year to 3 years, while others can be 10 years. 21 0 obj<> endobj is a default and puts the BorrowerBorrowerPerson who is the obligor per the Note. lender is under no obligation to refinance the loan at that time. American LegalNet, Inc. www.FormsWorkflow.com MULTISTATE BALLOON NOTE ADDENDUM—Single Family—Fannie Mae Uniform Instrument Form 3266 1/01 (rev. Maximum Loan Amounts and LTVS: For all loans the maximum loan amount will be Fannie Mae’s loan limits based on the number of units in the subject property as follows: Units Loan Limit Alaska and Hawaii 1 $322,700 $484,050 Fannie Mae Reports Net Income of $11.8 Billion for 2020 and $4.6 Billion for Fourth Quarter 2020 February 11, 2021 Fannie Mae Prices $1.07 Billion Multifamily DUS REMIC (FNA 2021-M4) Under Its GeMS Program Note Date. you must repay the entire principal balance of the loan and unpaid interest then due. ���2���Tud��F�]���U���၂����k���e [��^ ��۲Y�C fԿD�:���l���Y��S���|u�O���_�������3j_ ��a)��mPB�!I`r:�0�,O��@�Pyh�W�r„�!��ܻB`o� ���#ЌdYg��-���y�����ag Mortgage debt obligation evidenced, or when made will be evidenced, by the Loan Documents or a mortgage debt obligation with a Fannie Mae credit enhancement. I will then have 30 calendar days to provide the Note Holder with acceptable proof of my required ownership. 214.03 C Fannie Mae Confirmation of Full Payoff Amount. multistate balloon fixed rate note— single family— fannie mae uniform instrument form 3260 1/01 (page 1 of 3) balloon note (fixed rate) this loan is payable in full at maturity. GO Government,Level -Payment Mortgages;Single Family;each pool is comprisedentirelyof loans which were delinquent for 90 days or more during the 12 months prior to the Pool Issue Date. 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, Not-for-Profit (IRC §501[c][3]) Borrower may be a Multi-Asset Borrower, 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, UCC Renewals or Continuations and Amendments and Terminations, Forwarding New, Replacement or Amended Letters of Credit, When Issuer Rating Fails to Meet Standard, Release/Reduction of Letter of Credit or Other Collateral, Compliance with Reimbursement Agreement or Loan Agreement, and Other Loan Documents, Security Instrument; Collateral Agreements; Uniform Commercial Code Filings, Monitoring Uniform Commercial Code Filings, Cash Mortgage Loan – Reporting Remittance Amount, Monthly Securitized Mortgage Loan Security Balance Reporting, Same Month Pooling – Security Balance for First Reporting Cycle, Security Balances Due by Second Business Day, Cash Mortgage Loan and MBS Mortgage Loan Reports, 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 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 Dates for Cash and MBS Transactions, Remittance Dates for Cash Mortgage Loan Payoffs, Use of Cash Remittance System and Requirements, Cash Mortgage Loans – Transmitting the Remittance, Required Date for Commencement of Remittance, Securitized Mortgage Loans – Drafting the Remittance – Funds Drafted under Automated Drafting System (Not Applicable to PFP MBS), 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 Investor’s Share of Total Prepayment Premium for a Securitized Mortgage Loan, Calculation of Fannie Mae’s Share of Total Prepayment Premium, Calculation of Servicer’s 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; Servicer’s 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, Custodial Account Types, Investments, and Depositories, Custodial Account Requirements and Investments, Fannie Mae’s Rights in Custodial Accounts, Prohibited Use of T&I Custodial Account Funds, Purpose of Collateral Agreement Custodial Accounts, Loan Documents May Require Interest-Bearing Accounts, Custodial Account Requirements Applicable to Clearing Accounts, Timing for Crediting to Custodial Account, Distinct Custodial Accounts for Securitized Mortgage Loans (Other Than PFP MBS), Commingling of P&I Funds Permitted for Cash Executions, Commingling of P&I Funds Permitted for Securitized Mortgage Loans, Separate Accounts for P&I Funds Permitted, Corporate/General Lender Accounts Not Permitted, Election of Cash Remittance System or Automated Drafting System Required, Taxes and Insurance and Other Custodial Accounts, Collections for T&I and Other Obligations, Interest Earned on T&I and Other Custodial Accounts, Commingling of Funds in T&I Custodial Accounts, Periodic Analysis of Borrower’s T&I Obligations and Custodial Account Collections, 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, 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, Servicer’s 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, Borrower’s 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, Mortgage Loans with Property Condition Concerns (Not Limited to Watchlist Loans), Property Inspection Frequency; Submission of Property Inspection Forms, Number of Units to be Inspected; “Down” Units, Consultation with Property Manager and Staff, Servicer Property Inspection Quality Control Requirements, Other Property Inspections; Inspection Fees, Electronic Reporting of Financial Analysis of Operations, Request for Waivers of Quarterly and Annual Reporting on Financial Analysis of Operations, Waivers for Reasons Other Than Unresponsive Borrowers, Quarterly Reporting on Financial Analysis of Operations, Quarterly Submission Requirements by Asset Class, Annual Reporting on Financial Analysis of Operations, Annual Financial Analysis Reporting Requirements, Submitting the Annual Financial Analysis of Operations, Obtaining Required Financial and other Reporting Items, Annual Reporting of Guarantor Financial Condition, Failure of Borrower to Provide Required Guarantor Financial Reporting, Lender Review of Required Financial Reporting, Maintenance of Annual Financial Reporting Records, Action Plans for Primary Risk Mortgage Loans, Information Requests and Action Plans for Secondary Risk Mortgage Loans, Defaulted Mortgage Loans on Fannie Mae or Servicer Watchlist, 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 Lender’s 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, Level 2 and Level 3 In Place Loans – Generally, Loan Modification, Extension and Forbearance Fees.

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