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 mainly used to calculate the standard deviation and other statistics. There are four steps to calculate the variance: 1  Find the mean of the data set. 2  Subtract the mean from each value in the data set. 3  Square each of the values so that you now have all positive values, then add the squared values together.