I just talked to Robert Murphy from fannie mae, the new announcment SAYS time adjustments is based on CONTRACT DATES OR THE MEETING OF THE MINDS. I have confirmed this on the announcment 09-19. PAGE 8 NEAR THE BOTTOM THE TERMS "DATE OF SALE" WAS USED IN LIEU OF "CONTRACT DATE" THE CORRECT TERMINOLOGY AS STATED IN THE SELLING GUIDE IS "CONTRACT DATE". I DON'T AGREE WITH THIS, BUT THIS IS HOW IT IS. I JUST BANGED HEADS WITH B OF A WITH THIS, AND I LOST. OH WELL, ALL THOSE SHORT SALES THAT HAVE BEEN IN CONTRACT FOR A YEAR WILL BE BASED ON CONTRACT DATES. AGENTS WILL NOT TELL YOU WHEN THE MEETING OF THE MINDS HAPPENED. SO WHAT'S GOING TO HAPPEN IS LESS ACCURATE APPRAISALS BEING PRODUCED.