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Date			Loan No.	[Lender Loan Number]	
Lender Name	[Lender Name]		
Lender Address	[Lender Address]	
Closing Date	[Closing Date]	
Re: Borrower Name(s)	[Borrower Full Name 1], [Borrower Full Name 2], 
[Borrower Full Name 3], [Borrower Full Name 4]]	
□ I certify the following valuations or appraisals were delivered to the borrower referenced above three (3) business days1 prior to loan closing (signing).  Re: Borrower Name(s):
Valuation type	Date Completed2	Date Sent	Method of Delivery3	Delivery Date4	

					
□ I certify that the borrower executed a waiver of receipt of the following valuations or appraisals three (3) business days prior to closing. The executed waiver is attached. I further certify that the following valuations were delivered on or before the closing (signing) date listed above and the loan is not a Higher Priced Mortgage Loan as defined by regulation (note: HPML loans require delivery 3 days prior to close and this requirement may not be waived).
Valuation type	Date Completed2	Date Sent	Method of Delivery3	Delivery Date4	

					
This certification is provided for purposes of ensuring recipient all valuations and appraisals were delivered to the borrower(s) in accordance with the requirements of Regulation B and the Equal Credit Opportunity Act.
Company Name		
by		
<Signature with printed name and title>		
		
1 “Business Day” is defined as when the creditor’s offices are open to the public for carrying on substantially all of its business functions.
2 “Date Completed” refers to the receipt of the last version of the appraisal or other written valuation plus any review that is conducted.
3 USBHM approves the following methods of delivery: (1) electronic delivery and (2) USPS (postal mail).
4 “Delivery Date”: if electronic, delivery occurs when the borrower opens the email. If sent USPS, delivery is assumed on the third business day. See definition of business day above. Closing may occur on the third business day after delivery.