what is fnma enhancements letter 2021

FNMA is actually short for the Federal National Mortgage Association. Posting the link above is appreciated! Providing a $500 credit from Fannie Mae to the lender at the time the loan is purchased if an appraisal was obtained for the transaction. It is important to note that both JFQ Lending and Intercontinental Capital Group Inc. are legitimate companies, but they are not the ones behind the FNMA Enhancements mortgage notices that are being sent to you. what is fnma enhancements letter 2021 - gerstenfield.com The eligibility criteria for this refinancing include: Its now easier for more lower-income homeowners to take advantage of historically low interest rates and save on their monthly mortgage payments. They make it look like it's from your lender and give you a ref # to provide when you call in so they can feel the nibble and know to go after you. Supplement 20-10: COVID-19 Credit Enhancement Mortgage - Fannie Mae endstream endobj startxref !-O }Z_ vG6YikU] ")/~62x[1x A`Q n\ 5`uB^b`G' ,br=x^Wg[!3R'7$>6hmk{eW.> [ bEG\~*2/od-kW,RM/mo8F;Ol2?P` ~L+w&7K5)1M~2L!v"%P\`X0IrmxA"@c|8dbnu`!*O2d(g19{V+z *gzQ;7QD>+9m [email protected]"q7Cx"86 Bf"f'MHPwr/IYB]\`X; Ad8v9WK WM?DjxvA0H1TNVfkXSHffZ)% pj1774H'7Tl wpg>v%|m}SXy 2Y{[ 4bI5Ux| ^#%$HJM_f WyBSbxzu}9J^bs6jg`g3iW#t|+zd{i0q"3&Nge},2XRYS,R ho{dlrgejjfyKKL4C9F1]WEbX1QBj ch($L8+0Q$'~l6-U1;S|PhKObBKTMDr]D^D |jo'PchOhGLyg$s4|wIbHo&TcU O$ w3>#ZPuC^yFq.Y6mr}8LTE! , Our experts have done a research to get accurate and detailed answers for you. This is your one-stop encyclopedia that has numerous frequently asked questions answered. Home; About Us. It was founded in 1938 by Congress as a government-sponsored enterprise in order to provide funding to make housing more affordable. FNMA Enhancements letter 2021 - scam or legit notice? It started the program for 2021 on June 5. I just got the same letterits for refinancing of mortgages. Mar 16, 2021 153 Dislike Share Save Scamadviser 26.7K subscribers If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could. June 7, 2022 . We support mortgage lenders in providing mortgage financing to help people buy or rent a home. Fannie Mae is also reminding servicers to submit to Fannie Mae all servicer-approved mortgage loan modifications in HomeSaver Solutions Network (HSSN) as "closed." WASHINGTON, DC Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. The Revised QM Rule for the "verify" provision includes commentary (1026.43 (e) (2) (v) (B)-3.i) that cites Chapters B3-3 through B3-6 of the Selling Guide, published Jun. Freddie Mac HFA Advantage mortgage is a high loan- to-value (LTV) conventional offering that's an excellent alternative to FHA lending requirements and mortgage premiums. That way you dont take a chance of being scammed or giving your personal information to the wrong person who could use it to do you harm! Please do not send personal/financial information via this method. Do you use an apostrophe in seasons greetings? To qualify for RefiNow, homeowners must have: Statements from Fannie Mae Board Chairwoman Sheila C. Bair and Fannie Mae CEO Hugh R. Frater on FHFAs announcement of the new Enterprise refinance option are available here. hb```f``: @16 , GoNl Cv$NN/uM]"2' U'ErWaW0)DnT`lreTyb&&q)PNFa]+: u0Q*a4W@Z 758 0 obj <>stream Exactly the same as the letter I received. Hopefully no one falls for this crap. Your full address is listed in the top left-hand corner of the page. Fannie Mae can be reached at 800-232-6643 or Fannie Mae's website. to replenish their funds. What is the difference between Fannie Mae Freddie Mac and FHA? Another name you most likely know this organization by is Fannie Mae. Help me understand this letter from lender - what are "FNMA Enhancements"?? Because we are in a world where there is so much desperation, I am relieved that there are places to see that these things are scam. If so, let us know in the comments below! Enhancements indicate positive changes, which Fannie Mae is always making. Scam Alert: Notice of FNMA Enhancement - ProFed Federal Credit Union This Stimulus Program is aimed to help average American citizens and stimulate the economy. I received a letter last week, was looking at it just now and found this post. If Fannie and Freddie were allowed to fail, experts agreed that the housing market would collapse even further, paralyzing the entire financial system. what is fnma enhancements letter 2021shaun thompson elmhurst Consultation Request a Free Consultation Now. Link to some info below as well as an example: received this letter in the mail and did some digging. 738 0 obj <>/Filter/FlateDecode/ID[<15FA173914A31E40A435E7287B3C4E37><9EEB683B2C048443932D0A77DAA29425>]/Index[710 49]/Info 709 0 R/Length 126/Prev 223353/Root 711 0 R/Size 759/Type/XRef/W[1 3 1]>>stream Note: Due to the number of homeowners positively affected by these changes, call volume may be high. I also got an InterContinental Capital Group Inc. letter dated January 2022. Fannie Mae was chartered by U.S. Congress in 1938 to provide a reliable source of affordable mortgage financing across the country. Please ignorethe letter anddispose of it like youwould any other junk mail. Fannie Mae Single-Family Loan Performance Data, Multifamily Connecticut Avenue Securities, Multifamily Connecticut Avenue Securities Transactions, Multifamily Credit Insurance Risk Transfer, Noncallable and Callable Debt Issuance Detail, Noncallable and Callable Debt Outstanding Detail, Noncallable Benchmark Securities and Bonds Outstanding. All Rights Reserved. This refinancing could save homeowners an estimated $100 to $250 per month. I've been getting nonstop predatory refi offers on a weekly basis this year. XA;3Pr#ASX x~[Vy # ^y*xgIAx.;Ix>T<>ui/&q^f7uQ]!hDY8YZ`&RY1PVo5+$;/#/r6OOg#Pt'iP4/_nf. Typically, an apartment property that receives Fannie Mae Credit Enhancement looks like any other multifamily project. [Vf0K0Yo|e;I& k EP$wIGi1[Fphf! I bet that event puts my name and address in a public record and on a list that can be purchased. You can find the real contact info for JFQ Lending and Intercontinantal Capital Group Inc. on their company websites if youd like to find out what programs they offer, but dont expect these programs to be the false promises that are in the letter you received. For the most recent reporting period, the total quantity of electricity generated annually by the existing onsite electricity generation system (measured in kBtU). Market Realist is a registered trademark. On September 6, 2008, the Director of the Federal Housing Finance Agency (FHFA), appointed FHFA as conservator of Freddie Mac. A multifamily property that is composed of multiple individual units in a building (or other designated area) each of which is bound by the restrictions and requirements set forth in the residential condominium documents applicable to all of units. Maryland 20910, Do you have any questions? I appreciate the info. The FNMA Enhancement Notice letter appears completely legitimate, but Ihave learned over the years to be skeptical of anything that arrives in the mail, so I decided to do some digging. You need at least 3 percent for your down payment. Fannie Mae will be implementing the following enhancements to DUS Disclose on January 29, 2021: The following new fields will be added to DUS Disclose: To assist market participants with the transition to these enhancements, we are providing the updated file layouts for the following files: If you have questions about DUS Disclose or the upcoming enhancements, please contact Fannie Mae's Investor Help Line by phone (1-800-232-6643) or by email. It started the program for 2021 on June 5. hbbd```b``l6V "9A$XDLlm~d-U@dX=)$= R2_cv &30x? I just received one of these letters from Camden Loans, and I will toss it. x]Mj0>`OJ`S . This helped a lot! Conventional Loans A conventional loan is a mortgage that's not insured by a government agency. FNMA Enhancements Letter (Do You Qualify?) The requirements related to maximum points and fees and APR-APOR spread for Exempt loans are described in LL-2021-11. Both reasons have to do with the strict guidelines imposed because FHA loans are government-insured loans. They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. Freddie Mac released a pair of enhancements. Thank you for sharing this information, and hopefully more people are informed about these scams. Freddie Mac can be reached at 800-373-3343 or Freddie Mac's website. ProFed members are reporting thatthey havereceivedletters in the mail telling them to call a numberregarding their mortgage before a certain date to benefit from a cash disbursement, shortened payment term, or lower mortgage payment. Most conventional loans are backed by mortgage companies Fannie Mae and Freddie Mac. Borrower Owned Unit for Fractured Condo Regime. Choose Know Your Options from the drop-down menu. The letters ask you to call1-833-782-0648and warns you to call before a certain date to secure economic benefits. Homeownership is hard enough with out predators trying to take advantage of FTHB. Fannie Mae and Freddie Mac also have differences in lending requirements and programs. So, feel free to use this information and benefit from expert answers to the questions you are interested in! FNMA Enhancements letter 2021 - scam or legit notice? Why you got This is a question our experts keep getting from time to time. Lender Letter (LL-2021-10) - Fannie Mae Just put that same letter through the shredder. Is Freddie Mac a government agency? Fannie Mae (FNMA): What it is and how it affects your mortgage B*!x60-RkC>{y7W%!c2NVCSs9\@wN%h+vE-m/Fw5)}&pl qaTcg/6k8d[{"UBR(gA279ar#DH6RNGd'l":({*T7yl3v?1_ya)>p^rtC0cI\)1PL[K-r};Qd-6{qVos3L'9AmExuE^E_r-sg3 F0wH2"0$2Y-Yf9n5^5Yy_' kt9 ^ A00o_y3 ~/ ;N"1m h Posted: November 23, 2021 in Credit Union Updates. Law Offices of Gerstenfield & Demirji, PC The loan is made by a financial institution or other lender These changes will generate economic benefits for those, like you, who have a conventional mortgage. Homeowners are advised to take advantage of a new Mortgage Stimulus Program before its gone. Fannie Mae buys loans from lenders A lender is a financial institution that loans money directly to you with the expectation that it will be repaid with interest. The letters appear to come from JFQ Lending. Look carefully, I'd be willing to bet it's not actually from your current lender. As mentioned above, you can contact Fannie Mae safely and directly on their website if you have any questions or concerns. Fannie Mae's "RefiNow" program aims to lower the interest rate homeowners pay on their mortgage, and, therefore, the amount they pay monthly. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. So glad you found this helpful. Initially announced April 28 by the Federal Housing Finance Agency, RefiNow makes it easier for eligible homeowners earning at or below 80% area median income (AMI) to refinance at a lower interest rate and reduce their monthly mortgage payment. mine was sold many many years ago and they still got the mortgage company wrong. *https://www.forbes.com/advisor/refiroadmap/, http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf* Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau), 2021 HomeStimulusProgram.com | Legal | Contact | Sitemap. hb```b@(1ao>DaMtB&[+^hDrd n'DwWzaL . How the letters are sent They perform an important role in the nation's housing finance system - to provide liquidity, stability and affordability to the mortgage market.They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. Income at or below 80 percent of the median income in their area. This is often the amount of equity you'll need if you want to do a cash-out refinance, too. To learn more, visit:fanniemae.com|Twitter|Facebook|LinkedIn|Instagram|YouTube|Blog, Media ContactJessica Alexander Conventional loans are the mortgages purchased by the government-sponsored enterprises of Fannie Mae and Freddie Mac. Selling Guide Updates (Mar. 2023) - selling-guide.fanniemae.com Youre very welcome and I totally agree that we are in a time when it is easy to fall victim to these scams. Thank you for this posting and explanation. Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution - such as a repayment plan, payment deferral, or loan modification - are eligible for a new refinance or purchase mortgage after three timely payments. May 5, 2021 RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment WASHINGTON, DC - Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. and contain the line "Notice of FNMA Enhancement." The letters ask you to call 1-833-782-0648 and warns you to call before a certain date to secure economic benefits. The letters appear to come from JFQ Lending. It should be noted that Fannie Mae's obligation under this guaranty is solely Fannie Mae's and is not backed by the full faith and credit of the U.S. government. 747 0 obj <>/Filter/FlateDecode/ID[<7C8F0A75F12966458171E2DDD3BE6982><305DC1B236721E44841681C527C5CCA0>]/Index[724 58]/Info 723 0 R/Length 113/Prev 208454/Root 725 0 R/Size 782/Type/XRef/W[1 3 1]>>stream After the mortgage meltdown of 2008, Fannie Mae and Freddie Mac started to focus on loan modifications. Yes, thats my hope. When will fnma be released from conservatorship? 0 (adsbygoogle = window.adsbygoogle || []).push({}); The notice begins by addressing you by name. 724 0 obj <> endobj View more posts about Credit Union Updates. Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of ProFed Federal Credit Union. Such scams have become more common since loan modifications started after the Great Recession of 2008. Just got one, they used a little window in the envelope to call it a "Notice of FNMA Enhancement" and list my current lender's name, making it seem like it was from them. 202-752-2725, Fannie Mae Newsroomhttps://www.fanniemae.com/news, Photo of Fannie Maehttps://www.fanniemae.com/resources/img/about-fm/fm-building.tif, RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment, About the Mortgage Lender Sentiment Survey, About the Refinance Application-Level Index, https://www.fanniemae.com/resources/img/about-fm/fm-building.tif, Fannie Maes New Refinance Option Available Beginning June 5. A scammer is using their name and instead of calling the actual company, you will be calling them if you use the phone number in the notice. efPl`.Rb)cSO Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity said in a letter to sellers on Wednesday. We have reviewed severalof these letters and can confirm it is a scam. I quickly discovered that this FNMA enhancement letter was a scam. Now, we have got the complete detailed explanation and answer for everyone, who is interested! Fannie Mae's "RefiNow program aims to lower the interest rate homeowners pay on their mortgage, and, therefore, the amount they pay monthly. The policies in this Lender Letter are effective immediately and until Fannie Mae provides further notice, unless otherwise stated. yup. Save my name, email, and website in this browser for the next time I comment. be seasoned at least 12 months (from the original note date to new loan note date). I get these every few months and I think it's a sketchy way to pitch a refinance. Understanding Fnma Enhancements Letter Mortgage ProFed is not responsible for the content of the alternate website. A Fannie Mae-backed mortgage secured by a 1-unit, principal residence; A current income at or below 80% of the AMI (not the income as of origination of the original loan); Not missed a mortgage payment in the past six months, and no more than one missed mortgage payment in the past 12 months; and. I agree with this advice and it applies to ALL things. The Fannie Mae loan has a higher credit score requirement at 620 to 640 which is higher than the FHA loan. About Fannie Mae We partner with lenders to create housing opportunities for families across the country. In fact, ProFed Credit Union warned their customers of this FNMA Enhancement scam when they were notified that their clients were receiving the letter from JFQ Lending. Fannie Mae Single-Family MBS November 2021-F S 2 1. Fannie Mae (FNMA) was started by the federal government in 1938. (301) 589-9500, I have read and understand the disclaimer. CxpYM{:-4S{R'._-z9kU]d=yo(tr2uz8&.:c`{GEsz4qE!;! If youre looking to consolidate a student loan, check out our article: Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today. What is One Benefit of Privately Issued Student Loans. Understanding Stock Market Terms, How to Make Money With a Drone: Earn a Full Time Income, How to Make Money on Maternity Leave Our Top 10 List. Be aware of the "Understanding FNMA Enhancement" letter scam Some letters may describe a third-party offer from a particular lender that's not approved nor affiliated with your current mortgage lender, the FNMA, or any other government agency. People may receive compensation for some links to products and services on this website. endstream endobj 729 0 obj <>stream Fannie Mae's New Refinance Option Available Beginning June 5 Subject: Lender Letter 2 1-02 - Loan Document Update . Totally a scam. Disclosing your personal information could result in an unfortunate series of events impacting your finances and privacy. From a different lender stating its an offer for a refi. Company Information; FAQ; Stone Materials. "|b?5:Tx|DC6+Q8rW,XU^. ProFed reminds customers that their mortgage information is public record, which means anyone can search and discover information about your mortgage, including scammers. Credit Enhancement Instrument Agreement between Fannie Mae and a Bond Trustee where Fannie Mae provides credit enhancement of a Credit Enhancement Mortgage Loan, Bonds issued to finance a Credit Enhancement Mortgage Loan, or an Interest Rate Hedge Agreement; and if applicable, a Bond liquidity facility. It was designed to help re-start the housing market after the Great Depression. the villa pacific palisades, ca. MBS Overview Creating a single-family MBS begins with a mortgage loan. Enhancements to support borrowers with non-traditional credit: aligns policy with eligibility expansions to the cash flow assessment and other risk . In addition, we do not sell or distribute your personal information to non-affiliated third parties. This eliminates that possibility of being scammed by any fake FNMA Enhancement promises. We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed. Saw this while I was on hold with the . Thanks for your comment! Chinese Granite; Imported Granite; Chinese Marble; Imported Marble; China Slate & Sandstone; Quartz stone what is fnma enhancements letter 2021. May 4, 2022 Increasing our expense reimbursement limits for interior and exterior property inspections. Many people have received letters titled Understanding FNMA Enhancements. Some of these letters cite home loans from McKesson Emps Federal and JFQ Lending. Theletters appear to come from JFQ Lending. Fannie Mae is a corporation that provides the funding for mortgages by buying them from banks or other non-bank lenders like Rocket Mortgage. The letters also urge you to call a number. It also lists resources we offer to inform and assist you, especially if you ever have a financial hardship or need help recovering from a natural disaster. Basics of Single-Family MBS - Fannie Mae document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2023 by The Law Offices of Gerstenfield & Demirji, PC. No payments missed in the previous six months and no more than one in the previous 12 months. ScamFinder - FNMA Enhancements letter 2021 - is it scam or | Facebook .zip Form 1209: Green Retrofits Certification 1/19/2021.pdf Form 1301: Diverse Borrower Questionnaire 4/15/2021.pdf Form 1302: Diverse Borrower Certification 4/15/2021.pdf Form 6011: Waiver of 50-page Limit for SBL Appraisal 6/27/2019 To view this form, download and open the form in Adobe Reader Fannie . Lender Letter (LL-2021-02) Updated: May 4, 2022 - Fannie Mae Please also note the account number in the letter does not match your account number with ProFed, indicating a scam. Both provide liquidly, stability and affordability to the mortgage market, making them crucial to the country's housing system. Enhancements indicate positive changes, which Fannie Mae is always making. Just got a letter from my mortgage administrator, Fannie Mae backed mortgage, saying that I may qualify for a $3000 payout, lower monthly payment and shorter term due to "FNMA enhancements". Multifamily Mortgage Business Lender Letter 2 1-02 . It was established in 1938 by Congress to stimulate the housing market. If you call it, remember not to share any personal information, as it could result in a spam attack and financial loss. %%EOF "Recent amendments to. FNMA Enhancement Notice Scam Warning - Five Bags of Gold hbbd```b``"WH uX," ``r5Bz^ 9&WM D ] REH2j` RHONw ;~ audience tickets 2021. forge of empires have less than 10 population available; caddyshack 2 worst slice; union county, nc deck building codes; . To see if you live in an active zip code, just click below. Thanks! A general rule of thumb is that you should have at least 20% equity in your home if you want to refinance. When determining eligibility criteria for the Fannie Mae Flex Modification, the mortgage loan must not have been modified three or more times previously, regardless of the mortgage loan modification program or dates of prior mortgage loan modifications. Menu ceramic cutting tools advantages and disadvantages. At ProFed, we work hard to ensure your information is secure and protected. and contain the line "Notice of FNMA Enhancement." (% .^Bz 4SW5S_8hXEP` 0 A One red flag to watch for, according to ProFed, is the account not matching your account number. This program provides low borrowing cost, flexible structures, and a . Offers may be subject to change without notice. Welcome to Sharing Culture! 710 0 obj <> endobj 'gW7Kq5k; b I wish they would Just Fucking Quit Lending. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a approved lender. Fannie Mae Credit Enhancement | Tax Exempt Bonds Then elsewhere it says, "Proposed Lender: JFQ Lending, Inc." Deceptive marketing. %PDF-1.6 % It looks like nothing was found at this location. What To Do if You Get an FNMA Enhancement Letter - Market Realist Indicates that the security is backed by loans that meet one of the defined Sustainable Impact Criteria found in Fannie Maes Sustainable Bond Framework, including Restricted Affordable Housing and Manufactured Housing Communities. antigen test folkestone; celina ohio high school football stadium; rusty coones height; couple painting easy; outlander birthday cards; what countries have the same climate as britain MBS for Bonds Fannie Mae MBS: issued to . Beware of specific indicators that require you to take specific actions in an urgent matter. Fannie Mae Tax-Exempt Bond Credit Enhancement - Commercial Loan Direct The letter reads: Your current loan has been identified as being likely to benefit from the aggresive enhancements made to Fannie Mae eligibility. proposed in December 2021, that requires Fannie Mae and Freddie Mac to submit annual capital plans to the agency and provide notice prior to taking certain capital actions. What is the purpose of FNMA? Also The letter looks very authentic, and it could easily fool a lot of people especially the elderly. orlando to fort pierce train; dod personnel who suspect a coworker of possible espionage should; boyd funeral home marion, ohio obituaries; horner's syndrome in cats after ear cleaning; Credit Enhancement Mortgage Loan | Fannie Mae Multifamily Guide FHA loans allow lower credit scores than conventional mortgages do, and are easier to qualify for. FNMA: New Enhancements to the HomeStyle Renovation Loan - Part 3 Fannie Mae to Release DUS Disclose Enhancements in January 2021 endstream endobj startxref If you want to get rid of private mortgage insurance, you'll likely need 20% equity in your home. The Selling Guide has been updated to include changes to the following: Cash-out refinance eligibility: implements new eligibility requirements for cash-out refinance transactions. As the Federal National Mortgage Association (FNMA) enhances loan terms, some people get FNMA enhancement letters. Borrowers must have a Fannie Mae-backed mortgage for their house, where they must live. Lender Letter LL-2021-03 - Impact of Covid-19 on Originations February 15, 2023 Lender Letter LL-2021-03 - Impact of Covid-19 on Originations This Lender Letter provides reminders and temporary flexibilities to support mortgage originations. Thanks for the post. Call your lender before taking any action. Fannie Mae Announces Flexibilities for Refinance and Home Purchase Beware of specific indicators that require you to take specific actions in an urgent matter. provide Fannie Mae with copies of the existing interest rate hedge documents. Fannie Maes new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae. Standard: A residential condominium that is operated as a multifamily property and the borrower owns all of the units in the building (or other designated area). What is the difference between a Fannie Mae loan and a conventional loan? I also got a letter from JFQ lending. The FNMA doesn't originate mortgages but purchases and guarantees them through the secondary mortgage market. Your email address will not be published. The lender must pass the credit to the homeowner. Utilizing this new service could get homeowners $271 /mo*or$3,252*per year! @;HP( a30=@,`4`g\#wFgoF9%uSKmIse 4V1B@p:z C ?/fG_X$d#evUd:ev]|oXTtvS^\TzlWR4?BPF8\iS1TRm>'@xa6aG25N&/p > aa-QXj v Frge:XEX@D7f(a p*s:5Zndm>lTMm5=.uZ,ob'T$XX$b@yI4%Hq%-;d9-F4mex|s2}-b|R-D6OkkS16llh6]B~%|d(ISnlnkr? Additionally, the files will be sorted in descending order, so that the most recent file is at the top of the list.