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# What is the purpose of Dwelling within 2 Years within collateral details for Raw Land-Real Estate?

It is used to indicate that within two years, a structure or manufactured home will be constructed or placed on the raw land using the loan proceeds.

When selected, the Housing Counseling Agencies Notice-HE is selected in the Upfront Phase. In addition, raw land-real estate can be reported for HMDA when this is selected.