o Loans made and intended to be sold by the originating lender or creditor to FNMA, GNMA, or FHLMC (or its successor); 7 or o Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or creditor subject to the regulation. 4
1 Draw the max line -- the one with as large a slope as you think reasonable (taking into account error bars), while still doing a fair job of representing all the data. Measure the slope of this line.  Calculate the uncertainty in the slope as one-half of the difference between max and min slopes.
To calculate the estimate to complete (ETC), assuming the cost variance on known activities is typical of future cost, the formula is ETC = (BAC â EV)/CPI. If the budget at completion (BAC) of the project is $800,000, the estimate to complete is ($800,000 â $80,000)/0.94 = $766,000.