...Underwriting. Each Mortgage Loan was either (i) underwritten in substantial conformance to the Guide without regard to any underwriter discretion or (ii) if not underwritten in substantial conformance to the applicable Guide, has reasonable and documented compensating factors. The Mortgage Note and Mortgage are on acceptable forms as set forth in the Guide, including but not limited to any references in the Guide made to the requirements of Fannie Mae or Freddie Mac, and the Representing Party has not made any representations to a Mortgagor that are inconsistent with the Mortgage Instruments used. The Credit Score for the Mortgage Loan provided on the Mortgage Loan Schedule was obtained within the applicable time period preceding the origination of the Mortgage Loan set forth in the Guide....
