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Construction is defined as a subject property that is less than one year old, whether or not it has been previously occupied. One year is measured from the date of the final certificate of occupancy to the date of application. DOCUMENTATION: REQUIREMENT EXCEPTIONS/COMMENTS Copy of the building permit from Required unless 2-10 warranty is Not required on 90% LTV or less obtained instead municipality Copy of final certificate of occupancy Required unless 2-10 warranty is Not required on 90% LT.

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