When I was a young Superintendent for a steveadoring company, I was trained on the procedures to enforce a lein on a ship.

The Board addressed this issue and declined to find that "any particular procedure for ordering an appraisal necessarily promotes" fraudulent appraisals.

All the freebies - free golf, hotel rooms, meals, massages/spa packages, etc - also have to be paid for.

They have a "system" that works well including technical requirements, logistics, maintenance, procedures etc.

There are special reporting procedures that have to be followed as well as specific line items that have to be utilized.

:cool: A view at the numbers…Democrat Health “Reform†By the NumbersJuly 20, 2009—UPDATEDHere is a compiled a list of important numbers relevant to the House Democrats’ 1,018-page “America’s Affordable Health Choices Act:â€114 million—Number of individuals who could lose their current coverage under the bill, according to non-partisan actuaries at the Lewin Group4.7 million—Number of jobs that could be lost as a result of taxes on businesses that cannot afford to provide health insurance coverage, according to a model developed by Council of Economic Advisors Chair Christina Romer$818 billion—Total new taxes on individuals who cannot afford health coverage, and employers who cannot afford to provide coverage that meet federal bureaucrats’ standards$1.28 trillion—New federal spending in the next ten years, according to a Congressional Budget Office score of selected elements of the bill.6%—Percentage of all that new spending occurring in the bill’s first three years—representing a debt and tax “time bomb†in the program’s later years that will explode for future generations$88,200—Definition of “low-income†family of four for purposes of health insurance subsidies33—Entitlement programs the bill creates, expands, or extends—an increase from an earlier draft53—Additional offices, bureaus, commissions, programs, and bureaucracies the bill creates over and above the entitlement expansions—also an increase from the discussion draft1,683—Uses of the word “shall,†representing new duties for bureaucrats and mandates on individuals, businesses, and States—and an increase of 306 mandates from the discussion draft$10 billion—Minimum loss sustained by taxpayers every year due to Medicare fraud; the government-run health plan does not reform the ineffective anti-fraud statutes and procedures that have kept Medicare on the Government Accountability Office’s list of high-risk programs for two decadesZero—Prohibitions on government programs like Medicare and Medicaid from using cost-effectiveness research to impose delays to or denials for access to life-saving treatments2017—Year Medicare Hospital Insurance Trust Fund will be exhausted—a date unchanged by the bill, which re-directs savings from Medicare to fund new entitlements for younger Americans$2,500—Promised savings for each American family from health reform, according to then-Senator Obama’s campaign pledge—savings which the Congressional Budget Office has confirmed will not materialize, as the bill will not slow the growth of health care costs

Here is my exact procedure for everyone. 1.

(c) Definition- For purposes of this section, the term `federally-related mortgage loan' has the same meaning as insection 3 of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2602).The limitation to bona fide and market value rents are there, so those possibilities get eliminated.

If something is wrong, they can explain the procedure and costs for "fixing" it.Often zoning is controlled by the city and county records are for the county.

I suspect that the lender has a written procedure that gives the loan officer no more than eight days to accept the loan application, pull credit, execute a rate lock, get the truth in lending and good faith estimate to the loan applicant who signs and returns, and collect the documentation that is required to accompany the loan application that is forwarded to the underwriter.