In assessing whether the Borrower has demonstrated the capacity to meet financial obligations, Mortgagees (Lenders) may consider one or more of the compensating factors described in Mortgagee Letter 2016-10 and the attached revised HECM Financial Assessment and Property Charge Guide, Sections 4.3 - 4.5 at https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee.