This government document is issued by Housing & Community Development for use in Maryland
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https://www.google.com/url?client=internal-element-cse&cx=007821330218074952993:hdc4rgpagp8&q=https://mmp.maryland.gov/Lenders/Documents/USBankLenderTrainingWebinarPart2.pdf&sa=U&ved=2ahUKEwiSodb036rxAhWml4sKHQ2_A1Q4PBAWMAN6BAgDEAE&usg=AOvVaw3_tLWP1A0pQLIBHbIwK5pR