Fannie has not released its list of zip codes that will be slated for systematic disinvestment. However, GMAC has taken a step to give its brokers the ability to see if their borrowers will need extra downpayments.
This is not exact, but it is still a pretty good approximation. GMAC is just trying to apprise its business partners of a new policy.
Ratings of "C" and "D" mean trouble. Most NC zips are fine. You could even say that this is not a strong North Carolina issue. Its just a national issue: plug in some California, Florida, Boston, or Ohio zips and you'll see the handwriting on the wall.
(Editor Note to all users: Text entered in the teaser does not show up in the full-post, which makes it confusing to someone coming from Track Changes or who sees the title in the sidebar. Teaser text is automatically entered from the "Body" box as everything above the "break", which is the symbol that looks like a little box with a green circle. - Robert P.)