Just to add: effectively, the appraisal exemption stuff will only cover the need for a certified appraisal (if not otherwise required under the Interagency Guidelines), extra appraisal on a flip, etc. if the loan is secured by a first lien on a dwelling, since the Reg. B appraisal rules don't have an exemption for mobile homes for the notice and delivery requirements.
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I'm fixin' to fix that.