**Declining Markets Notice: When the subject property is located in an area identified as "experiencing declining home values", the maximum allowable LTV and CLTV must be reduced by at least 5%. For example, if the maximum allowable LTV is typically 95% and the subject property is located in an area experiencing declining home values, the LTV and CLTV must be equal to or less than 90%. For more information from eFannieMae.com, click here.**