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.
The Variance is: Var(X) = Î£x2p â Î¼2. To calculate the Variance 1  : square each value and multiply by its probability. 2  sum them up and we get Î£x2p. 3  then subtract the square of the Expected Value Î¼2.