source:
  type: regulation
  id: usda-hb-3555-4.12
  authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
  description: "USDA HB-1-3555 §4.12 (Additional Lender Responsibilities Upon Approval). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-4.12-0
  canonical_id: usda-hb-3555-4.12-0
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: DITIONAL LENDER RESPONSIBILITIES UPON APPROVAL
    x Guaranteed Underwriting System (GUS). An automated underwriting system is available to approved participating
    lenders. Lenders will utilize GUS and must enter into a User Agreement. Information on obtaining access to GUS
    is provide…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: DITIONAL LENDER RESPONSIBILITIES UPON APPROVAL x Guaranteed Underwriting System (GUS). An automated
      underwriting system is available to approved participating lenders. Lenders will utilize GUS and must enter
      into a User Agreement. Information on obtaining access to GUS is provided in Chapter 5 of this Handbook and
      at http://www.rd.usda.gov/resources/usda-linc- training-resource-library/guaranteed-underwriting-system. x
      Electronic Lender Loan Closing System. Lenders must submit closed loans electronically upon execution of a
      User Agreement. Access to the system provides the benefit of paying guarantee and technology fees electronically
      in lieu of paper checks. Additionally, the lender will have access to the Loan Note Guarantee electronically.
      Additional information is provided in Chapter 16 of this Handbook. An online user guide is available at http://www.rd.usda.gov/resources/usda-linc-training-resource-library/loan-
      closing. x Payment of Annual Fees. Lenders will pay annual fees electronically. Lender/servicers will enter
      into a User Agreement to receive automatic notification and electronically pay annual fees due. Additional
      information is provided Chapter 16 of this Handbook. x Electronic Status Reporting. Servicers must submit
      monthly default reports and portfolio reports indicating the status of loans they are servicing via Electronic
      Status Reporting (ESR) to the Servicing Office. The link https://www.rd.usda.gov/programs-services/lenders/usda-linc-training-resource-
      library provides information on completing a Trading Partner Agreement and utilizing the Electronic Status
      Reporting (ESR) system. Questions or requests for assistance may be emailed to RD.SO.HSB@usda.gov. Refer to
      Chapter 17 and Appendix 8 of this Handbook for additional information regarding electronic reporting. x Loss
      Mitigation and Loss Claim Administration. An automated method of processing loss mitigation requests pre-liquidation
      and loss claim administration post-liquidation is available to participating lender/servicers. Lenders will
      enter into a User Agreement. Servicers will utilize USDA LINC (Lender Interactive
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-1
  canonical_id: usda-hb-3555-4.12-1
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 08-05-25) PN 649 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 08-05-25) PN 649 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts Network Connection) to submit loss mitigation
      plans and loss claims, which can be accessed at http://usdalinc.sc.egov.usda.gov/RHShome.do. x Post-Closing
      Lender Self Report. Once a loan closes and the Loan Note Guarantee has been issued, the Agency will not release
      the loan in GUS/GLS for corrections. If the lender determines that information was not accurately reported
      during the underwriting process or changes occurred between issuance of the Conditional Commitment and the
      Loan Note Guarantee, the lender will submit a self-report to the Agency with a detailed description of the
      issue along with supporting documentation. The Loan Note Guarantee will not be revoked. The Agency will review
      the lender’s documentation and provide the lender with a written response. The Agency’s correspondence should
      be sufficient to satisfy most investor’s concerns regarding lender oversights. Additional information on submitting
      a self-report can be found in
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-2
  canonical_id: usda-hb-3555-4.12-2
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 08-05-25) PN 649 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '08-05-25) PN 649 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts ATTACHMENT 4-A CONDITIONS FOR LENDERS
      NOT HOLDING FUNDS IN ESCROW A lender who does not hold borrower funds in escrow for taxes and insurance should
      consider the following: x The Agency’s loan guarantee covers a maximum of twelve months’ past-due real estate
      taxes and hazard insurance. x Loan losses attributable to the borrower’s failure to maintain appropriate hazard
      insurance will not be covered by the Agency’s loan guarantee. x Loan losses attributable to the borrower’s
      failure to pay real estate taxes when due will not be covered by the Agency’s loan guarantee. x The lender
      will report annually to the Agency the number of borrowers who failed to pay real estate taxes and/or hazard
      insurance premiums which resulted in the lender advancing funds on the borrowers’ behalf. Lenders who do not
      hold borrower funds in escrow should consider doing the following to minimize the risk of taxes and insurance
      not being paid: x Prior to loan closing, the lender must extensively counsel applicants about the need for
      prompt payment of real estate taxes and hazard insurance premiums. Applicants must sign a statement indicating
      that they fully understand the significance of these obligations. x The lender must include the estimated
      monthly tax and insurance expenses in the ratio calculations when determining the borrower’s loan eligibility.
      x The lender should encourage applicants to set money aside for taxes and insurance through payroll deductions
      or bank accounts with direct deposit. x The lender must ensure that taxes and insurance are paid by monitoring
      insurance policy expiration, contacting the taxing authority annually, and reviewing local newspapers for
      tax delinquencies.'
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-3
  canonical_id: usda-hb-3555-4.12-3
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 08-05-25) PN 649 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 08-05-25) PN 649 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts ATTACHMENT 4-B SAMPLE FOR ACKNOWLEDGMENT
      OF REAL ESTATE TAX AND HAZARD INSURANCE REQUIREMENTS (Date) I (We), ____________________________________________,
      hereby acknowledge that ________________________________________(lender), has explained the requirements for
      monthly deposits, or set-asides for payment of annual real estate taxes and hazard insurance premiums. I (We),
      the undersigned, do state that I (We) understand and agree to set-aside _______ dollars each month ($ monthly
      amount) to pay real estate taxes and hazard insurance premiums when they are due. ____________________________________(Borrower
      Signature) ____________________________________(Borrower Signature) ____________________________________(Lender)
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-4
  canonical_id: usda-hb-3555-4.12-4
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 05-05-25) PN 640 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '05-05-25) PN 640 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. CHAPTER 5: ORIGINATION AND UNDERWRITING
      OVERVIEW'
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-5
  canonical_id: usda-hb-3555-4.12-5
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: TRODUCTION [7 CFR 3555.51(B)] Single Family
    Housing Guaranteed Loan Program (SFHGLP) loans are originated and underwritten by approved lenders. However,
    the process of requesting, issuing, and receiving the loan guarantee is one in which the lender and the Agency
    must cooperate c…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: TRODUCTION [7 CFR 3555.51(B)] Single Family Housing Guaranteed Loan Program (SFHGLP) loans
      are originated and underwritten by approved lenders. However, the process of requesting, issuing, and receiving
      the loan guarantee is one in which the lender and the Agency must cooperate closely. Lenders must provide
      the Agency with clear and accurate information so that Agency staff can promptly determine whether the loan
      qualifies for a guarantee. At the same time, Agency staff must process loan applications quickly and accurately
      to avoid delays that might hamper the lender’s efforts to close the loan efficiently.
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-6
  canonical_id: usda-hb-3555-4.12-6
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: QUESTING A GUARANTEE [7 CFR 3555.151] Not
    all loans are appropriate for the SFHGLP. The lender should determine whether, based on preliminary information,
    it appears that the loan will meet the program’s criteria. The lender should answer the preliminary eligibility
    questions bel…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: QUESTING A GUARANTEE [7 CFR 3555.151] Not all loans are appropriate for the SFHGLP. The lender
      should determine whether, based on preliminary information, it appears that the loan will meet the program’s
      criteria. The lender should answer the preliminary eligibility questions below to assist in making this determination.
      The lender should also ensure that the applicants are fully informed about the requirements of the program.
      A. Preliminary Determination of Applicant Eligibility In general, the program is most appropriately used to
      offset the risk of making high loan-to-value loans in rural areas. It is not intended to offset risks that
      stem from a poor credit history or poor property condition. In particular, the lender should review the following
      items to make a preliminary determination of the applicants’ eligibility. x Applicant Characteristics (Chapter
      8) Are the applicants able to secure conventional credit? Do the applicants own a dwelling? Are the applicants
      U.S. citizens or eligible non-U.S. citizens as detailed in Chapter 8? If the applicants are not U.S. citizens,
      they must produce evidence per Agency guidelines to qualify as a non-U.S. citizen. x Income (Chapter 9) At
      the time of loan approval, is the household's adjusted income below the applicable moderate-income limit?
      To determine eligibility for the SFHGLP, the lender is responsible for documenting the income of all adult
      members of the applicants’ household (not just those who will be signatories to the note). Current income
      limits are referenced in Appendix 5, and can be located on the USDA Income and Property Eligibility website
      at
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-7
  canonical_id: usda-hb-3555-4.12-7
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 05-05-25) PN 640 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 05-05-25) PN 640 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. http://eligibility.sc.egov.usda.gov/eligibility/,
      or by using the Agency’s automated underwriting system, GUS. In addition to meeting adjusted annual income
      requirements, the applicants must also have sufficient repayment income and meet additional program requirements.
      Chapter 9 provides more detailed information about annual, adjusted, and repayment income. x Credit (Chapter
      10) Is the credit history consistent with program guidelines? The applicants must have a credit history that
      demonstrates the ability and willingness to repay the loan. GUS is unable to render an underwriting recommendation
      on supplemental credit reports. These should be uploaded with the application package. x Ratios (Chapter 11)
      Do the applicants’ PITI (Principal, Interest, Taxes and Insurance) and total debt (TD) ratios fall at or below
      the limits established by the Agency? Ratios are calculated using repayment income from applicants who will
      be a party to the Promissory Note. x Appraised Value/Loan amount (Chapter 12) Is the loan amount supported
      by the appraisal’s fair market value? If there is not yet a current appraisal, is the loan amount expected
      to be supported by the appraisal? x Site and Property (Chapter 12) Does the property appear to be in an eligible
      rural area as designated by program guidelines? If warranted, did Agency staff confirm that the property location
      was rural? The Agency encourages lenders and those involved in the origination package to verify a property’s
      eligibility on the Agency’s property eligibility website. Property eligibility may be checked online at http://eligibility.sc.egov.usda.gov/eligibility/,
      or by using the Agency’s automated underwriting system, GUS. B. Informing the Applicant Before requesting
      a loan guarantee, the lender should take the following steps to ensure that applicants have a general understanding
      of the SFHGLP. x Concept of a loan guarantee. Describe to the applicants what a loan guarantee is, why it
      is used, and the benefits of a loan guarantee. Benefits include, but are not limited to, no required down
      payment and a fixed interest rate. x Loan guarantee fee (Chapter 16) Inform the applicants of the upfront
      guarantee fee to be paid at loan closing.
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-8
  canonical_id: usda-hb-3555-4.12-8
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: 05-05-25) PN 640 Guidance documents lack
    the force and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may
    not cite, use, or rely on any guidance that is not available through their guidance portal, except to establish
    historical facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 05-05-25) PN 640 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. x Annual fee (Chapter 16) Inform the
      applicants of the annual guarantee fee, if applicable. x Occupancy (Chapter 8) Inform the applicants that
      they must occupy the property as their principal residence. x SFHGLP requirements. Inform the applicants of
      program requirements such as income limits, property location eligibility, debt ratio thresholds, and other
      requirements such as the certifications outlined on Form RD 3555-21, Request for Single Family Housing Loan
      Guarantee.
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-4.12-9
  canonical_id: usda-hb-3555-4.12-9
  section: USDA HB-1-3555 4.12 — Additional Lender Responsibilities Upon Approval
  description: '4.12 Additional Lender Responsibilities Upon Approval: ILIZING THE GUARANTEED UNDERWRITING SYSTEM
    [7 CFR 3555.107(b)] The Guaranteed Underwriting System (GUS) was developed to automate the process of credit
    risk evaluation for the SFHGLP. Automated underwriting (AU) systems are an efficient, consistent, objective,
    and accurate method…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §4.12 — Additional Lender Responsibilities Upon Approval
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: 'ILIZING THE GUARANTEED UNDERWRITING SYSTEM [7 CFR 3555.107(b)] The Guaranteed Underwriting
      System (GUS) was developed to automate the process of credit risk evaluation for the SFHGLP. Automated underwriting
      (AU) systems are an efficient, consistent, objective, and accurate method of mortgage underwriting compared
      with traditional manual methods. GUS is a tool that helps evaluate the credit risk of the loan request. It
      compliments but DOES NOT replace the considered judgment of experienced underwriters. GUS incorporates applicants’
      eligibility and underwriting requirements of this Handbook by utilizing a modified version of the Federal
      Housing Administration (FHA) mortgage scorecard known as Technology Open to Approved Lenders (TOTAL), concurrently
      with a rules based engine. GUS is accessed through a secure web-based automated underwriting environment at
      https://usdalinc.sc.egov.usda.gov/. GUS considers mortgage loan application data entered by the approved lender,
      credit repository data, and income and property information to evaluate the potential applicants’ ability
      to meet a proposed mortgage obligation. GUS evaluates select components in a mortgage loan application and
      provides a credit evaluation and underwriting recommendation within seconds. GUS is not designed to evaluate
      the dependability of the applicants’ income proposed for repayment. This remains the underwriter’s responsibility
      to determine prior to final submission. Refer to Chapter 9 of this Handbook to determine adequate and dependable
      income for repayment ability. Lenders are reminded that data entered in GUS must coincide with that of the
      lender’s permanent loan file. A. Functionality of GUS Incorporated within the functionality of GUS are the
      following components:'
    drafter_attestation: Verbatim from HB-1-3555 §4.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
