U.S. Bank Home Mortgage (USBHM) Wholesale / Correspondent Client User Manual RED SKY RISK SERVICES, LLC WEB BASED APPRAISAL-ORDERING SYSTEM COLLATERAL MANAGEMENT SYSTEM (CMS) https://www.gofnc.com/usbls/ Table of Contents Hold the control key and then click on a link below to reach the topic within the manual. Red Sky Risk Services Introduction Initial CMS Set Up Accessing CMS after Initial Set Up Appraisal Product Price Lookup Tool Creating a New Appraisal Order Payment Options Trip Fees Searching For Active and Completed Orders CMS System Status Definitions CMS Communications and the Message Log Retrieving Completed Appraisal Reports and Products Red Sky Help Desk and Accounts Payable Support Closed Appraisal Correction Requests Appendix

Red Sky Wholesale/Correspondent Client User Manuel (September 2016) MMWR-97530

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Red Sky Risk Services Red Sky Risk Services, LLC is a wholly-owned subsidiary of U.S. Bank. Our focus is on real estate valuation so we work with appraisers to provide lenders and homebuyers seeking a loan to purchase a home, with a value of a house or residential property. Red Sky only accepts appraisals from appraisers who are properly licensed, geographically competent with access to the local MLS or similar real estate systems, able to accept and professionally complete an appraisal assignment, and are on the Red Sky Approved Appraiser Panel. The Red Sky Appraiser Panel includes: fee appraisers, Regional Appraisal Firms, National Appraisal Firms and Appraisal Management Companies (AMCs), which are organizations with multiple staff appraisers and/or their own approved fee panel. The type of appraiser used for a specific assignment is dependent on a variety of factors but of prime importance is the appraiser’s availability within the timeframe needed. The technology platform Red Sky uses to order, schedule and manage all appraisal orders is the Collateral Management System (CMS). All appraisal orders flow through CMS. The system maintains a record of all communications, workflow stages and appraisal documentation. Red Sky looks forward to doing business with USBHM Clients and meeting your collateral risk evaluation needs.

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Initial CMS Access Setup     

When you are first granted access to the ordering system, you will receive a User ID and a default password in an email from a Red Sky Administrator. Access the Collateral Management System by typing in the following URL: https://www.gofnc.com/usbls/ Bookmark this page for future access. You must use Internet Explorer 8.0 or higher. CMS does not work on Firefox, Chrome and other web browsers. Enter your User ID and password provided in the email on the left hand side of the screen.

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Once you correctly enter the system, it prompts you to answer a security question and enter a new unique password. The security question can be used later to reset your user password, if necessary. Review the Password Policy Question and Password Requirements notes on the left side of the screen.

III Accessing CMS (After Initial Setup)   

Access the Collateral Management System by typing in the following URL: https://www.gofnc.com/usbls You must use Internet Explorer 8.0 or higher and operate in compatibility mode. CMS does not work on Firefox, Chrome or other web browsers. Type in your User ID and password on the left hand side of the screen.

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If you forget your password, click on “Password Reminder” located directly below the Password box on the Log In screen. It prompts you to type in your User ID. When you click submit, it prompts an email to be sent to the associated email address connected to that User ID.

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If you incorrectly input your password five times, you will be locked out of the system and you will need to contact Red Sky Risk Services by calling the Help Desk at 866-239-2026 (refer to Section XI, Red Sky Help Desk, for hours of operation) or emailing [email protected] If you forget your User ID, you should contact the Red Sky Help Desk.

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IV

Appraisal Product Price Lookup Tool The Product Price Lookup tool is used to identify the standard fee for appraisal products in a specific state and county. 

To access the tool, expand the Create Order tab on the left side on the CMS homepage. Click on “Product Price Lookup.”

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A new window opens. You must select the state and county in which the property is located and the product that you intend to order. Refer to the product description list if you are unsure which product to order. The order form assists in determining the correct product. Once you make your selections and click “Search,” the fee is displayed as shown below.

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V

Creating a New Appraisal Order 

To access the order form, expand the Create Order tab on the left side on the CMS homepage. Click on “Client Order Form.”

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A new window opens with the order form. Each field with an asterisk (*) next to it is a required field. Your information appears automatically at the top of the order form under “Client Information.”

A. Client Order Form Fields 1. Order Created For – Allows the option to select another individual or client associated with the order. This provides user access and CMS-generated updates to the additionally selected client. 2. Alternative Email – This is a free-form box that can be used to add additional email addresses for individuals whom you want to receive status updates via email. (See Section, IX, CMS Communications and the Message Log/Order Confirmation for more information on

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status updates). To add multiple email addresses, separate addresses with a coma. There is an 80 character limit to this field. 3. USB Loan Number – This is a required field that is used as a unique identifier for the order. You may search for appraisal orders in CMS using this number. If you do not have a USB loan number, contact your Account Executive. 4. 2nd Appraisal Needed – To satisfy potential requirements for an additional appraisal, checking this box will order two appraisals. The appraisals will go to separate appraisers and be compared against one another in a final value determination. 5. Applicant (Primary Borrower) – Enter the primary borrower’s name and other requested information. 6. Primary Phone – Enter the best phone number(s) to reach the borrower. At least one number is required. If the borrower is not to be contacted, please enter 999-999-9999 and add an additional note in the Special Instructions (Property Access) box at the bottom of the order form. 7. Electronic Appraisal Delivery – This is a required field. If the borrower has consented to receiving a secured, emailed version of the appraisal report, select “Yes.” If “Yes” is selected, you must enter a valid email address into the “Email” field. If “No” is selected, the appraisal will be mailed (see #11).

8. Co-Applicant (Secondary Borrower) – If there is a co-borrower input his/her information. 9. Property – Input the physical address of the property here. By typing in the Zip code and clicking “Complete,” the city, state, and county will auto-populate based on USPS location. If necessary, the automatically generated fields can be manually overridden.

10. Collateral Value Range – Select one of three value ranges. This is an internal Red Sky field that

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assists with client appraisal product selection. 11. Primary Borrower Mailing Address – The appraisal will be mailed to this address if electronic appraisal delivery is not chosen. Clicking on the check box next to “Same As Property Address” prompts the property address to auto-fill in this section.

12. Service Information - The drop-down boxes are designed to assist you in choosing the appropriate appraisal service. It is imperative that the information selected is accurate in order for the correct product to be identified. Start with the top field and select an option before proceeding to the next. 

Loan Type – Options include: Home Equity Loan, Home Equity Line of Credit, Other, Purchase, Refinance. If purchase is selected, an additional box appears which allows you to select and upload a sales contract. If other documents need to be uploaded, inform the Red Sky processor assigned to the appraisal order by placing a message in the CMS Message Log. (See Section IX, CMS Communications and the Message Log for information on how to communicate using the Message Log.)

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Collateral Type – Options include: 2-4 Family (duplex, triplex, 4-plex), Condo, Detached (regular stand-alone home), Manufactured, Other, Townhouse, and PUD.

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Valuation Type – Options include: Desktop Appraisal, Exterior (Drive-by) Appraisal, Interior 7

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(Full) Appraisal, Other (Inspection, etc.). Loan Program – Options include: Conventional, FHA, Rural Housing (USDA). If FHA is selected, an additional box appears that allows you to input the FHA case number. Service –The Service is the appraisal product that is to be ordered and completed by the assigned appraiser. If the fields have been properly completed, one product will be identified. If you require a Field Review, Two – Four Unit Field Review, Single Family Comparable Rent Schedule or an Operating Income Statement to accompany the product message Red Sky through CMS messaging after order placement and Red Sky will place the order.

13. Special Instructions (Property Access) – This is a free-form text box. The content is shared with the appraiser. It is only intended for access instructions or additional property information. Examples include: who to contact for access (include contact information), best times to reach the borrower, and parcel numbers. Per Dodd-Frank regulations, do not include any information that might influence an appraiser’s opinion of value. This includes but is not limited to: estimated values, prior appraised values, loan amounts, LTVs, etc. Red Sky will aggressively investigate any potential appraiser independence violations. The Special Instructions box is not intended for communications with Red Sky. Use the CMS Message Log for all communication with Red Sky Risk Services. (See Section IX, CMS Communications and the Message Log.) 14. Payment Option – The Pay Now option allows the client to input credit card information immediately after clicking the “Next” button. The Pay Later option triggers an additional box to appear which allows you to input an email address that will receive an email with a link to the payment window.

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Payment Options A. Pay Now If you select the Pay Now option, click on the “Next” button on the order form to send the order. The order will be in an awaiting payment status (order is on hold until payment received) and an Appraisal Order Payment Submission window opens.

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An order summary appears with the property information, service and fee. Dual appraisal orders show a per-order fee, quantity (2) and total fee. 8

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Complete the credit card information, check the disclosure box, and click submit payment. Important to note: clicking on Cancel Order cancels the entire appraisal order and the order form would have to be filled out again. If you have questions about the payment screen, use the CMS Message Log (refer to Section IX, CMS Communications and the Message Log) to communicate with the processor assigned to the order or call the Red Sky Help Desk at 866-239-2026 (refer to Section XII, Red Sky Help Desk, for hours of operation). Once payment is submitted and verified, the appraisal order is approved and Red Sky Risk Services begins to process the request.

B. Pay Later 

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If payment is made by the borrower or by the client at a later time, select Pay Later on the order form. The client must ensure the borrower received Loan Estimate (LE) and provided their intent to proceed. If selected, a box appears that prompts you to enter an email address. This email address will receive an email with a link to a credit card payment page.

After you input an email address and click “Next”, the order is sent to Red Sky in an awaiting payment status (order is on hold until payment received) and an email containing payment information is sent to the specified address for payment. 

A verification window appears, confirming to whom the email was sent.

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Payment Request Email and Authentication 

The email subject line will reflect the property address. The message includes the amount due, payment instructions, and a link to the secure payment page.

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For the convenience of the borrower, most web browsers are compatible with the payment screen. If the link does not work, copy the full link and paste it in an Internet Explorer browser. The recipient has 24 hours to enter payment. If payment is not entered in that time period, the recipient can still click on the link but it will redirect to a notification screen and prompt a new email and link to be sent.

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Once the link is clicked on, a secure payment web page will appear. The borrower name field is not case sensitive. If you are having issues authenticating the order, please contact the Red Sky Help Desk at 866-239-2026. (Refer to Section XI, Red Sky Help Desk, for hours of operation.)

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After completing the Credit Card Information fields, check the disclosure box, click “Submit Payment,” and the payment will be processed. Important to note: clicking on Cancel Order cancels the entire appraisal order and the order form would have to be filled out again. A payment confirmation screen appears with a Transaction ID number and the option to print the order information. The user receives an email notification with the same information.

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VII Trip Fees  

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The initial payment is based on a standard fee for the appraisal report completion. An additional payment may be required if a trip fee is warranted. In the event that the appraiser cannot gain access to parts or all of the property during a scheduled inspection, and an additional trip to the property is needed, the appraiser may request a trip fee. Notification will be sent to the broker through the order requesting an email address where an additional payment link for the trip fee can be sent. An email message containing a payment link will be sent to the address provided to Red Sky. The link opens a secure web page where, after user authentication, the recipient can enter payment information. From here, the process is the same as the “Pay Later” option. Refer to Section 6, Payment Options, Pay Later, for details.

VIII Searching for Active and Completed Orders There are several ways to search for orders that are in process or completed. On the left hand side of the CMS homepage, click on the small white box with three lines next to SEARCH. This expands the search options.

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Open Orders – Displays all client active orders that are in process. Fulfilled Orders – Displays all client orders that have closed in the last six months. USB Loan Number – Allows a search for an order in any status based on the loan number entered on the order form. FNC Order # - Allows a search for an order in any status based on the FNC Order number (unique identifier in the format of USB-XXXXX-YYYY-# that is assigned to an order when the order is placed). Borrower – Allows a search for an order in any status by using borrower first and last name. Property Address – Allows a search for an order in any status by using property address.

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After search results populate in the results area, click on the paper icon on the left side for details for that loan number. This populates the workspace area below with the order information, Message Log tab and Associated Files tab.

A. Order Information The order information section contains borrower information, order status, and various date fields.

B. Date Fields    

Date Received – The date Red Sky received the appraisal order. Date Assigned – The date the order was assigned to an appraiser. Inspection Date – The date the appraiser is inspecting the property. This populates when the appraiser submits an inspection date to Red Sky. Due from Service Provider Date – The date Red Sky anticipates receiving the report from the appraiser. This is an estimate that can change depending on complexity, scheduling conflicts, etc. 13

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Due to Customer Date – The date that Red Sky anticipates completing the appraisal review and closing the order. This is also an estimate that can change due to various circumstances.

CMS System Status Definitions CMS is a status based system. The status of an order indicates at what point in the process the order is currently in. It can be found in CMS in the light blue area of the Order Information section in the far left column. It can also be found in a column in the results area after searching for an order. 

Received - The order has been successfully created and received in CMS. It is being checked for duplicate orders and then assigned to a service provider. This does NOT mean the order has been completed by an appraiser and received by Red Sky Risk Services.

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In Research - The order is currently being researched by a processor to determine why the order changed from the automated process to a manual process. Once the determination is made, the processor makes the necessary manual change to the order. In Review - The appraisal was received and is being reviewed by the Red Sky Review team. Delivered - The order is complete and the appraisal report is available for viewing. Cancellation - The order has been cancelled. Duplicate in Process - The order has been flagged as a duplicate and is currently being handled by a processor to determine if it is a true duplicate or not. Duplicate Prior Service - The order was found to be a duplicate of a prior service which was already completed.

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X CMS Communications and the Message Log Red Sky communicates with clients via automatically generated messages. All messages go to the client as well as designated alternate email addresses entered on the order form. In addition to automatic status generated CMS messaging, Red Sky uses the Message Log within the CMS as the primary communication tool between Red Sky and the client.

A. CMS Generated Messages Automatically generated messages include:

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Order Confirmation (see example)

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Order Assigned – the order has been assigned to the appraiser. Order Accepted – the order has been accepted by an appraiser. Appraiser Appointment Set – the appraiser has arranged a property inspection. Appraisal Uploaded – the appraiser has uploaded the appraisal. Important to note, the appraisal will not be ready for viewing until the appraisal review process is completed. Order Completed – the appraisal review process is complete; the document is available. Order Canceled – the appraisal order has been canceled.

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B. CMS Message Log All Red Sky appraisal orders have a dedicated processor assigned to them. The most effective and efficient means to have your questions answered and/or issues resolved is to communicate with the processor via the CMS Message Log.    

To access the Message Log, search for the appraisal order that you would like to view. Refer to Section VII, Searching for Active and Completed Orders, for more information. Click on the Message Log tab in the workspace area of the screen. To view a message, click on the box on the left side of the message line to expand to message contents. Alternatively, the message contents open in a new window when you click on the message subject or recipient.

Message Log area with messages

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C. Sending Messages       

To create or respond to a message, click on the Compose button on the top line of the message log section. A new window opens. Select an appropriate subject line from the drop-down box. If you select “Other,” a free-form box appears, allowing you to manually input a subject line. Compose a message in the white text box. Click “Post.” This sends the message to the Red Sky processing team for review. Red Sky processors receive notifications when new messages arrive on appraisal orders. They respond to inquiries in a timely manner. You may reply to a message by clicking on the reply button on the message received.

D. Receiving Messages 

Red Sky Risk Services occasionally sends messages with status updates, questions or additional information (additional property information needed, fee increase, etc.). 16

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XI

You will receive an email notification sent to your profile email address with the details of the message and order information. Do NOT reply to the email notification. The email comes from a no reply address and is simply a reminder to access the CMS to respond.

Retrieving Completed Appraisal Reports and Documents  

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Completed appraisal reports are released and available for download once Red Sky completes an appraisal review. Clients receive an email notification when a report is available for download.

Log into the CMS, search for the identified appraisal order, and open the order information in the workspace area. The status of the order should state “Delivered.” 17

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Click on the Associated Files tab. The appraisal is titled “Appraisal Report”. GSE SSR documents are available as well. o FNMA SSR Document is titled “Fannie UCDP”. o FHLMC SSR Document is titled “Freddie UCDP”. Order confirmation documents and a customer invoice are also available. You can download files in one of three ways: o Clicking on the paper icon next to each file name opens the pdf file. After the file opens, you may click “Save As”. o Clicking on the disk icon next to each file name prompts you to save the file to your desktop without opening it. o Checking the “Attach” button on the far right end of the row for each file, entering an email address below, and clicking “Send E-Mail” sends copies of the attached files via email.

Red Sky Risk Services Help Desk & Accounts Payable Support Stated again, the most effective and efficient means to have appraisal questions answered and/or issues resolved is to communicate with the dedicated processor managing the order via the CMS Message Log. If your question or issue is extremely urgent, contact the Help Desk. Hours of operation are Monday – Friday 8 am to 5 pm CST. 

Phone: 866-239-2026

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Email: [email protected]

For questions regarding payment disputes and refunds, email the Red Sky Accounts Payable team.  Email: [email protected]

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XIII Closed Appraisal Correction Requests Red Sky follows a formal process to receive, process, and - when necessary - make adjustments to closed appraisal orders. Follow the instructions below to request changes to closed appraisal orders. For non-value requested appraisal changes (address, parcel, title changes, etc.), follow the Post Review Revision Request guidance. For value disputes, follow the Request for Value Reconsideration requirements.

A. Post Review Revision Requests A Post Review Revision Request (PRRR) may be submitted when non-value appraisal corrections are required. Red Sky requires the PRRR form to be completed and attached with your request. If you do not have this form, contact your Account Executive. If your Account Executive is not available send an email to [email protected] or contact Red Sky’s Help Desk at 866-239-2026 (refer to Section XI, Red Sky Help Desk, for hours of operation) to request the form. Complete the Post Review Revision Request form and email the request with the form attached plus any supporting documentation to:  

[email protected] Email subject: Post Review Revision Request // Loan #

If there are questions with the request, the Red Sky PRRR team will contact the client through CMS messaging. When the PRRR is completed, an automatic CMS Completed Order message is sent to the client indicating that the updated appraisal is ready for viewing. If there is a question for Red Sky on correction status, follow normal CMS messaging instructions. Note: you will have to select the PRRR product to message the appropriate Red Sky team.

B. Value Reconsideration Requests A Value Reconsideration Request may be submitted when additional market information exists or the appraisal report contains factual errors or alleged methodology or analysis flaws and the impact appears to be materially relevant to the appraisal report’s conclusions. In order to comply with the appraiser independence and Dodd-Frank regulations, Red Sky requires the Value Reconsideration Request form to be completed and attached to your email.

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If you do not have this form, contact your Account Executive. If your Account Executive is not available send an email to [email protected] or contact Red Sky’s Help Desk at 866-239-2026 (refer to Section XI, Red Sky Help Desk, for hours of operation) to request the form. Complete the Value Reconsideration Request form and email the request with the form attached plus any supporting documentation to:  [email protected]  Email subject: Value Reconsideration Request // Loan # An initial review of the request will determine if a reconsideration is warranted and whether all necessary information has been supplied. The review is performed by Red Sky and based on the information provided; a validity determination on the request is made. Red Sky may forward the additional information to the original appraiser for reconsideration. This determination will be made solely by the Red Sky Review team member and no communication should be made to the original appraiser outside of this process. If there are questions with the request, Red Sky contacts the client through CMS messaging. Upon completion of the reconsideration process, an automatic CMS Completed Order message is sent to the client indicating the value reconsideration has been finalized. Results and all accompanying documentation, including the revised appraisal report when applicable, are available within CMS. If there is a question for Red Sky on value reconsideration status, follow normal CMS messaging instructions. Note, you need to select the QC Reconsideration product to message the appropriate Red Sky team.

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XIV Appendix The Appendix section includes copies of the following forms: 

Post Review Revision Request along with Tips for PRRR

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Request for Value Reconsideration

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Client User Registration Form

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Term of Use Agreement

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FAQ’s

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POST REVIEW REVISION REQUEST Post Review Revision Requests (PRRRs) are made for various revisions or corrections on a closed appraisal report. This maybe a cosmetic correction to an address, a missing addendum or missing photos, additional comparable sales requested by underwriting or minor typos/corrections to the salient features of a property or a comparable. PRRR requests may take up to one to two business days to process. This allows the appraiser time to complete the request and Red Sky to review the corrected report. We attempt to prioritize rush requests for urgent situations such as imminent closing dates, rate expirations, etc. We do not guarantee that we will be able to meet a specific date/time. Requestor’s Name (print)

Click here to enter text.

Requestor’s e-mail address

Click here to enter text.

Requestor’s phone number

Click here to enter text.

Loan Number

Click here to enter text.

Primary Borrower First/Last Name

Click here to enter text.

Property Address

Click here to enter text.

Need By Date

Click here to enter a date. REVISION REQUEST

 An initial review determines if revisions are warranted and if the necessary information has been supplied.  The Red Sky review team member may forward the additional information to the original appraiser for revision. This determination is made solely by the review team member and no communication should be made to the original appraiser outside of this process.  Upon completion of the revision process, the Red Sky review team member provides the results and any accompanying documentation, including the revised appraisal report when applicable, through the CMS appraisal web portal system.  A list of supporting documentation that should be made available along with your revision request is attached on the following page for reference.  Enter the following for the email subject: Post Review Revision Request // Loan # Send to [email protected]

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Documentation Tips for PRRR Requests Please provide any supporting documentation that you have available along with your request, as this may assist in expediting the request. If documents are being referenced in the request, include those documents for our review. 

Purchase Contract Changes Contract, addendum, etc., should be provided. o Purchase contract corrections/changes, dated prior to the effective date of the report, may be sent to the appraiser to address. o Contract changes occurring after the effective date  If the contract price increased, the request can be sent to the appraiser to review and discuss within the report.  If the contract price decreased, or concessions were adjusted, those updates do not have to be reflected on the report if they were completed after the effective date of the report.

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Corrections to Address Supporting documentation should be provided with your request. The appraiser must report the physical address assigned in a format that meets USPS standards. USPS.gov zip code look up tool is not the governing body for the physical address of a property. Please ensure that requests for address corrections are supported by the assigned address from the county. When possible, include a copy of the property or tax card for support of the request. A link to a good resource to easily research your property is included below. This website provides links to the majority of the county property records. If the property card cannot be obtained, please submit that portion of the title to us for support. If title work is not matching up with what the county has assigned, you should approach your title company with the request for address correction.

http://publicrecords.netronline.com/ 

Corrections to Legal Description or APN Provide a copy of the tax card or the appropriate section of the title commitment for reference. Title work often includes a tax account number and taxes. This may not match the true APN of the property. The property card from the assessor office can be used for verification.

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Corrections to Condo Project Data A condo questionnaire should be submitted if available. Insurance and project approval paperwork is typically not sufficient evidence for revisions.

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GLA variances Sketches or GLA listed on county records may not always be accurate. The appraiser physically measures the property during the property inspection. If there is legitimate questioning of the GLA, provide specifics along with supporting documentation when available.

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Flood Determination Discrepancy Include a copy of your flood certification.

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Add/ Remove a Parcel from the Appraisal A copy of the title commitment needs to be obtained from your title company and submitted along with requests for an addition or removal of a parcel of land. A copy of the deed, survey and plat map would also be beneficial, if available. March 2016

REQUEST FOR VALUE RECONSIDERATION A reconsideration of value is a review of a completed valuation service. A QC Reconsideration request may encompass several concerns of a customer, including the estimate of value. The following process allows Red Sky Risk Services, LLC (Red Sky) to meet regulatory guidelines of an acceptable process for value reconsideration. Requests for a reconsideration of value must be accompanied by supporting documentation and/or appropriate comparable sales. A reconsideration request is processed only when there is adequate support submitted for review. Acceptable reconsideration requests can include any or all of the following: o Math errors, subject property misrepresentations, factual errors, etc.  Provide correct subject property information and /or documentation. o Disagreement with the appraiser’s analysis  Provide logical explanation as to why the appraiser’s analysis is flawed and does not provide adequate support for the estimate of value. o Disagreement with selection of a comparable used in the report  Provide alternate sales for review. Attach a maximum of two to three additional closed sales within the subject’s competing market/neighborhood. Please Note: Sales should be within one year of the inspection date, prior to the inspection date, and must include the MLS printout. Sales submitted without a MLS printout may be rejected due to a lack of factual evidence of the sale and/or result in unnecessary delays as a result of additional time required to verify the sales data. If more than three closed sales are submitted for consideration, the request will be immediately returned requesting that only three sales be submitted. Attach two to three additional comparable sales within the subject neighborhood.  Sales date must be within one year and include the MLS listing printout for the appraiser to consider.  Comparables must have sale dates prior to the inspection date.

Requestor Name (print) Requestor E-mail Address Requestor Phone Number Loan Number Primary Borrower Name Property Address Reason for Reconsideration

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An initial review determines if reconsideration is warranted and the necessary information has been supplied. The review is performed by a Red Sky review team member and a determination on the request is made based on the information provided.

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The Red Sky review team member may forward the additional information to the original appraiser for reconsideration. This determination is made solely by the review team member and no communication should be made to the original appraiser outside of this process.

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Upon completion of the reconsideration process, the Red Sky review team member provides the results and any accompanying documentation, including the revised appraisal report when applicable, through the CMS appraisal web portal system.

 Enter the following for the email subject: Value Reconsideration Request // Loan # to [email protected]

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