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chunks/json/a17cef3bb2dbf755e1f12ec3fda51f1052aed28097dac657de65f1938c750a29.json

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chunks/json/a184ca2c6e70e7a75e3ec2f1ee78e86e6cba2b67c85999b62a114489dd7ae460.json

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chunks/json/a192875bd69dce3b1db8e3db9564c5692081c9ddfdc1b1385a159f9d251befef.json

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chunks/json/a19fbfc127512321530c0b624a63a3f6b40873ea78477fe29683a7e3a93e806e.json

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+{"chunk":{"char_end":3250,"char_start":1651,"chunk_id":"chk_113125a98bb148a9","chunk_index":1,"chunk_sha256":"a19fbfc127512321530c0b624a63a3f6b40873ea78477fe29683a7e3a93e806e","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"a19fbfc127512321530c0b624a63a3f6b40873ea78477fe29683a7e3a93e806e","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"• Subject Property\n\no Project Legal Structure: Condominium\no Site Owned in Common: No\no Attachment Type : Detached\no Units Excluding ADUs: 1\no Homeowner responsible for all exterior maintenance\no New construction built less than 12 months ago and never lived in. C1 condition rating.\n\n• Energy Efficient and Green Features\n\no Building Certification (LEED Gold)\n\n• Dwelling Exterior\n\no Noncontinuous Finished Area\no Core heating system below grade\n\n• Rental Information\n\no Single family rent schedule with no Income Approach\no Rental comps and sales comps display on one map (Sales Comparison Approach)\n\n• Use of 3D scan for measurements\n\nNotes:\n\n• Condominiums with sites that are not owned in common are not a typical occurrence. The Scenario\nillustrates the flexibility of the UAD dataset and the URAR to accommodate all forms of ownership.\n\n• Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\n\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n8675309 JENNY LN, ANYTOWN, IL 54321\n\nSUMMARY\n\nOpinion of Market Value\n\n$900,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\n05/23/2018\nPurchase\nMary Jones\nMichael Jones\nXYZ Builders\n$895,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nDesktop Appraisal\nSam Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n"}

chunks/json/a1a5f19227c15db583b551fbe53b64b00138f9d819dbcde842eff10836877ce1.json

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+{"chunk":{"char_end":584094,"char_start":582497,"chunk_id":"chk_6c2b036f3f370501","chunk_index":336,"chunk_sha256":"a1a5f19227c15db583b551fbe53b64b00138f9d819dbcde842eff10836877ce1","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a1a5f19227c15db583b551fbe53b64b00138f9d819dbcde842eff10836877ce1","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"15,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nKLWMDFMW\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n15,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR-3\n 3 Residential Building Lots\nper Acre\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 3 of 19\nPage 3 of 19\n\nSite (continued)\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nView - Residential\n\nThis is where the Property Access photo would display.\n\nThis is where the View photo would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n"}

chunks/json/a1a7cac182ef1131462cae3f14e24ed4b2c06884c16a253e87e39e712375e962.json

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+{"chunk":{"char_end":220514,"char_start":218883,"chunk_id":"chk_17a50d67932f1550","chunk_index":123,"chunk_sha256":"a1a7cac182ef1131462cae3f14e24ed4b2c06884c16a253e87e39e712375e962","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a1a7cac182ef1131462cae3f14e24ed4b2c06884c16a253e87e39e712375e962","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The appraiser must identify and explain any apparent defect, damage, or deficiency, including\n\n•\n•\n\nitems that require immediate repair; and\nitems where maintenance may have been deferred, which may or may not require immediate\nrepair.\n\nThe appraiser must identify and explain any functional or external inadequacies.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 88 of 166\n\nUAD 3.6 Policy\n\nDwelling Condition Ratings\n\nThe appraiser must assign one of the following standardized condition ratings in the table below when identifying the condition\nof the dwelling(s) for the subject property and comparable sales.\n\nRating\n\nC1\n\nC2\n\nC3\n\nC4\n\nC5\n\nCondition Rating Definition\n\nCriteria\n\nCondition Rating Definitions\n\nThe dwelling is 100% newly constructed,\ncompleted within the past 12 months,\nhas never been occupied, and exhibits\nno signs of wear or use.\n\nThe dwelling exhibits like-new\ncondition. It has been recently\nconstructed or entirely remodeled\nwithin 36 months prior to the appraisal\ndate, while retaining portions of the pre-\nexisting structure. The dwelling may\nhave been occupied but features no\ndeferred maintenance and require no\nrepair.\n\nThe dwelling has been well-maintained\nand exhibits only minimal wear and tear.\nThe dwelling may exhibit only minor\nage-related physical depreciation; or,\nmost components, but not every major\nbuilding component, have been updated\nor renovated.\n\nA dwelling in C1 condition:\n\n• Has a foundation that must be 100% original to the new construction.\n\n• May include non-structural components composed of “like new”\nrecycled materials (e.g., reconditioned or refinished barn wood).\n"}

chunks/json/a1b3d270a7d8b1616116ec9334ed45c960c4f0b57e39fb98bec8412c7f36cf34.json

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+{"chunk":{"char_end":102149,"char_start":100527,"chunk_id":"chk_ee8f28972eab8d5a","chunk_index":57,"chunk_sha256":"a1b3d270a7d8b1616116ec9334ed45c960c4f0b57e39fb98bec8412c7f36cf34","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a1b3d270a7d8b1616116ec9334ed45c960c4f0b57e39fb98bec8412c7f36cf34","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If the borrower is not using any rental income from the subject property to qualify, gross monthly rent must be documented only\nfor lender reporting purposes. The borrower can provide one of the sources listed above, or may provide one of the following\nsources (listed in order of preference):\n\n•\n\n•\n\n•\n\nthe URAR1 for a one-unit investment property or two- to four-unit property, provided the effective date of the applicable\nappraisal is not dated 12 months or more prior to the date of the note;\n\nif the property is not currently rented, the lender may use the opinion of market rents provided by the appraiser; or\n\nif an appraisal is not required for the transaction, the lender may rely upon either a signed lease from the borrower or\nmay obtain a statement from the borrower of the gross monthly rent being charged (or to be charged) for the property.\nThe monthly rental amounts must be stated separately for each unit in a two- to four-unit property. The disclosure from\nthe borrower must be in the form of one of the following:\n\no a written statement from the borrower, or\n\no an addition to the Form 1003.\n\nThe lender must retain the documentation in the loan file that was relied upon to determine the amount of eligible rent reported.\n\n1See General Requirements for Documenting Rental Income (Subject and Non-Subject Property) for exception to use a Single-Family Comparable Rent Schedule (Form 1007) containing the\n“Monthly Market Rent” amount.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 43 of 166\n\nUAD 3.6 Policy\n\nSB4-1.1-01, Definition of Market Value and Alternate Opinion(s) of Value\n(06/04/2025)\n"}

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chunks/json/a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b.json

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+{"chunk":{"char_end":126102,"char_start":124499,"chunk_id":"chk_b41b216917331864","chunk_index":73,"chunk_sha256":"a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Exterior\nInterior\nInspection Date\n\nRichard Real\nReal Estate Agent\nRichard’s Agency\n789 East St\nNowhere, CA 90021\nPR32393510\n\nPhysical\nPhysical\n09/06/2019\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property\n\nPhysical Address\n\nAlternate Physical Address\n\nCounty\nNeighborhood Name\n\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n201 Underhill Dr, Unit 2C\nNowhere, CA 90021\nStar Hills\nEastwood\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n2381\nCA\n06/01/2021\n\nCertified Residential\n319721784\nCA\n09/01/2021\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nAttached\n1\n0\nNo\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 3 of 22\nPage 3 of 22\n\nSubject Property (continued)\n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nLegal Description\n\nTract Number 31313 - Unit Number 202, Parking Spaces G22, G23.\n\nSubject Property Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nAssessor Parcel Number (APN)\n4324-007-028-001\n\n4324-007-028-G22\n\n4324-007-028-G23\n\nZoning\n\nAPN Description\nCondominium Unit\n"}

chunks/json/a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1.json

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+{"chunk":{"char_end":233821,"char_start":232189,"chunk_id":"chk_9f8a47892ecc5f06","chunk_index":132,"chunk_sha256":"a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"CD Excerpt\n\nUCD v2.0 Spec Excerpt\n\nLoan Calculations\n\n20.0\n\nData Point\n\nValue\n\n21.1 Total of Payments. Total you will have\npaid after you make all payments of principal,\ninterest, mortgage insurance, and loan costs,\nas scheduled.\n\n21.2 Finance Charge. The dollar amount the\nloan will cost you.\n\n21.3 Amount Financed. The loan amount\navailable after paying your upfront finance\ncharge.\n\n21.4 Annual Percentage Rate (APR). Your costs\nover the loan term expressed as a rate. This is\nnot your interest rate.\n\n21.5 Total Interest Percentage (TIP). The total\namount of interest that you will pay over the\nloan term as a percentage of your loan\namount.\n\n$269,574.50\n\nFeeSummaryTotalOfAllPaymentsAmount\n\n269574.50\n\n$116,884.00 FeeSummaryTotalFinanceChargeAmount\n\n116884.00\n\n$148,367.91 FeeSummaryTotalAmountFinancedAmount\n\n148367.91\n\n4.404% APRPercent\n\n4.4040\n\n74.66% FeeSummaryTotalInterestPercent\n\n74.6600\n\nUCD v2.0 Implementation Guide\n\n- 102 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n2. FORECLOSURE DATA\n\nUCD v2.0 contains only one data point about foreclosure related to the subject loan. It is rendered on the CD in the Other\nDisclosures section. One and only one instance of the bolded containers in the FORECLOSURES structure is required in every\nXML file.\n\nFigure 71. Rendering DeficiencyRightsPreservedIndicator on the CD.\n\nOther Disclosures\n\n22.0\n\n22.1 Liability after Foreclosure\nIf your lender forecloses on this property and the foreclosure does not cover the amount\nof unpaid balance on this loan,\n state law may protect you from liability for the unpaid balance. If you refinance or\n"}

chunks/json/a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4.json

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+{"chunk":{"char_end":43044,"char_start":42371,"chunk_id":"chk_94172e3b37568061","chunk_index":65,"chunk_sha256":"a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4","token_estimate":571,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) .............................................................................................................................................. 209\n\nOutbuilding Commentary ......................................................................................................................................................................................................... 211\n\nOutbuilding Exhibits ................................................................................................................................................................................................................. 211\n"}

chunks/json/a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706.json

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+{"chunk":{"char_end":4163,"char_start":3556,"chunk_id":"chk_d187a2850013b5d8","chunk_index":5,"chunk_sha256":"a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706","token_estimate":561,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Example 4: Manufactured Home ....................................................................................................................................................................................................................................................................................... 8\n\nAtypical Properties ................................................................................................................................................................................................................................................................................. 9\n"}

chunks/json/a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff.json

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+{"chunk":{"char_end":7059,"char_start":5108,"chunk_id":"chk_4e76f64d45260f1c","chunk_index":3,"chunk_sha256":"a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff","token_estimate":515,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"[Research](/research)\n\n- [Briefs, Notes & White Papers](/research?category%5B176%5D=176)\n - [NMDB Staff Working Papers](/research?category%5B941%5D=941)\n - [Staff Working Papers](/research?category%5B961%5D=961)\n - Resources [Reports](/reports)\n\n- [All Reports](/reports)\n - [Annual Housing Report](/reports/annual-housing-report)\n - [Annual Report to Congress](/reports/annual-report-to-congress)\n - [Chief FOIA Officer Report](/reports/chief-foia-officer-report)\n - [Collateral Pledged to FHLBanks](/reports/collateral-pledged-to-fhlbanks)\n - [Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard)\n - [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report)\n - [Enterprise Non-Performing Loan Sales Report](/reports/enterprise-non-performing-loan-sales-report)\n - [FAIR Act Inventory](/reports/fair-act-inventory)\n - [FHFA AI Compliance Plan](/reports/fhfa-ai-compliance-plan)\n - [FHFA Annual Performance Plan](/reports/fhfa-annual-performance-plan)\n - [FHFA House Price Index®](/reports/house-price-index)\n - [FHFA Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report)\n - [FHLBank System at 100](/reports/fhlbank-system-at-100)\n - [FHLBank Targeted Mission Activities](/reports/fhlbank-targeted-mission-activities)\n - [FOIA Annual Report](/reports/foia-annual-report)\n - [Foreclosure Prevention, Refinance, and FPM Report](/reports/foreclosure-prevention-refinance-and-fpm)\n - [Housing Mission Report](/reports/mission-report)\n - [Information Resources Management Strategic Plan](/reports/information-resources-management-strategic-plan)\n - [No FEAR Report](/reports/no-fear-report)\n - [Plain Language Report](/reports/plain-language-report)\n - [Prepayment Monitoring Report](/reports/prepayment-monitoring-report)\n - [Single-Family Guarantee Fees Report](/reports/single-family-guarantee-fees)\n - [Stress Tests Reports](/reports/stress-tests-report)\n"}

chunks/json/a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164.json

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+{"chunk":{"char_end":36710,"char_start":36707,"chunk_id":"chk_2abde9860d928cd1","chunk_index":24,"chunk_sha256":"a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164","token_estimate":1,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf","below_target_min_tokens"]},"text":"12\n"}

chunks/json/a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73.json

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+{"chunk":{"char_end":3507,"char_start":1724,"chunk_id":"chk_8c36f610718ecb6a","chunk_index":1,"chunk_sha256":"a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73","date_utc":"2026-01-27T18:29:44+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34e15208986a1b11","text_sha256":"a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73","token_estimate":446,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR1_CompletionReport/_.pdf/CR1_CompletionReport_v1.2.pdf"]},"text":"The Completion Report sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the Completion Report.\n\nCompletion Report\n\nSubject Property\n\nPhysical Address\n\nCounty\n\n1234 Anywhere Pl\nAnywhere, MD 20854\nMonty\n\nPage 1 of 3\n\nThis is where the Subject Property photo would display.\n\nLegal Description\n\nBlock H Lot XX of XYZ Place\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\n08/07/2009\n$870,000\nSubject to Repair\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nJane Summers\nLN1265431\nABC Mortgage Company\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of repairs recommended below on the basis of a\nhypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment\nresults.\n\nItemized List of Repairs\n\nFeature\nMechanical System Water Heater\n\nLocation\n\nNew Observed Items for Repair\n\nAffects\nSoundness\nor Structural\nIntegrity\nNo\n\nDescription\nThe hot water\nheater did not\nappear to be\noperational. No hot\nwater.\n\nRepair\nCompleted\nYes\n\nInspection Date\n08/21/2009\n\nCompletion\nComment\nHot water working\nupon reinspection.\n\nFeature\nFlooring\n\nLocation\nBasement Den\n\nDescription\nWater damage to\ncarpet.\n\nCompletion Report Commentary\n\nAffects Soundness\nor Structural\nIntegrity\nNo\n\nRecommended\nAction\nRepair\n\nInspection Date\n08/21/2009\n\nThe subject property was reinspected due to a faulty water heater. The water heater has been repaired, but additional damage noted due to a\nwater leak prior to the repair. The existing carpeting throughout the basement is damaged and this may affect the original assignment results.\nAs such, the carpeting is required to be replaced.\n"}

chunks/json/a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407.json

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+{"chunk":{"char_end":87183,"char_start":85124,"chunk_id":"chk_1688e03ab0352e00","chunk_index":129,"chunk_sha256":"a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407","token_estimate":515,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"XPath. For example, the ADDRESS container may be used in the context of PROPERTY or PARTY.\n\nSeveral data points are included in UAD to identify the XML file and its payload and establish relationships between containers. These data\npoints do not display on the URAR but are necessary to provide context and create well-formed XML submission files.\n\nPage 28\n\nData Format\n\nComments\n\nBoolean\n\nDate\n\nDatetime\n\nEnumerated\n\nAmount\n\nNumeric\n\nString\n\nMISMO data point terms ending with “Indicator” have values of \"false\" or \"true\". These values must be provided in lower case or\nthe loan delivery XML file will fail schema validation.\nRepresents a specific date, which should be delivered in the format identified in the corresponding UAD Data Point Format Details\ncolumn. The date must contain a dash (-) between the year, month, and day, for example, \"2010-03-25\".\nRepresents a specific date/time stamp. The date/time must contain a dash (-) between the year, month, and day and a colon (:)\nbetween the hour, minute and second. The 'date' and the 'time' must be separated by a \"T\". Time zones should be delivered in\nCoordinated Universal Time (UTC) with a time zone suffix of 'Z' included (i.e., UTC: 2022-05-13T09:45:00Z).\nNote: the PDF will display the date as mm/dd/yyyy\nRepresents a list of predefined values and applies to MISMO terms ending in “Type”, and sometimes to terms ending in\n“Description,” “Code,” and “Identifier”. When a data element is identified as \"Enumerated\", each value must be delivered exactly as\nindicated, following all spacing and capitalization or the delivered XML file will fail schema validation.\nRepresents a number for the dollar amount. The numeric value should not contain dollar signs ($) or commas (,).\nRepresents values which must contain numbers only for the associated data point. The numeric value must not contain commas \",\"\nbut can contain decimals \".\" (as indicated by the 'UAD Data Point Format Details' column).\nThe string data type represents character strings and may contain a word, phrase, sentence, or paragraph.\n"}

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+{"chunk":{"char_end":384653,"char_start":382897,"chunk_id":"chk_54119bedc4d1e75c","chunk_index":221,"chunk_sha256":"a21fe1ad755030c989cd29fd7dda6c1603ff0c58f161d4b825cac05ad1e9bff3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a21fe1ad755030c989cd29fd7dda6c1603ff0c58f161d4b825cac05ad1e9bff3","token_estimate":439,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Public Street\nLocal Road | Asphalt\nYes\n\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nTypical residential\nsubdivision\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nSite Characteristic\n\nDetail\nNo Hazard Zone Noted\n\nTopography | Rolling\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\n\nComment\n\nAdverse\n\nSteep grade is less marketable.\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene)\n\nThis is where the Property Access photo would display.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 4 of 21\n\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\nKnown Building Certifications\n\nNone\nNone\n\nGreen/Energy Efficiency Rating\nOrganization\nRESNET\n\nRating\nHERS\n\nScore\n62\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nEnergy Efficient and Green Features Commentary\n\nOn average, homes with a HERS Index rating of 62 are 38% more energy efficient than a standard new house.\n\nEnergy Efficient and Green Features Exhibits\n\nRESNET HERS Score\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n"}

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+{"chunk":{"char_end":302774,"char_start":301102,"chunk_id":"chk_66b3e40f05a34e94","chunk_index":177,"chunk_sha256":"a23928a8bda9e650e6d12d7f89550eb8c9558eb8d5779c71de60f992b477c2bf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a23928a8bda9e650e6d12d7f89550eb8c9558eb8d5779c71de60f992b477c2bf","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/_CONDITION_OF_APPRA\nISAL[@_Type='SubjectToRepairs']\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\nSpecifies the appraisal's conclusion's\ndependency on future repairs or\nactivities.\n\n/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/_CONDITION_OF_APPRA\nISAL[@_Type='SubjectToInspections']\n\n20\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be\npopulated for each box that is checked.\n\n395\n\n396\n\n2\n\n2\n\n133\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nConditions Comment\n\nA free-form text field used to\nsummarize and clarify the conditions\nof the subject property upon which its\nvaluation is based.\n\n/VALUATION_RESPONSE/VALUATION/_R\nECONCILIATION/@_ConditionsComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must\nbe captured and included in the XML data point.\n\n134\n\nRECONCILIATION Market Value\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a\nvalid property valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@P\nropertyAppraisedValueAmount\n\n12\n\nMoney\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be\nrepresented consistently.\n\nPDF Display Format:\nWhole numbers only\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be\nrepresented consistently.\n"}

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+{"chunk":{"char_end":35349,"char_start":33581,"chunk_id":"chk_0a5654902cf6c8e7","chunk_index":18,"chunk_sha256":"a24a5897b93ccf03243df220690bf1c1af9a3e2c633cd208fa72bfbbff0e62ce","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a24a5897b93ccf03243df220690bf1c1af9a3e2c633cd208fa72bfbbff0e62ce","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\n•\n\n•\n\nspecific architectural and aesthetic features such as distinctive roof treatments (eaves and higher pitch roofline), lower\nprofile foundation, garages or carports, porches, and dormers;\n\nconstruction elements including durability features, such as durable siding materials; and\n\nenergy efficiency standards (minimum energy ratings apply).\n\nFannie Mae has agreements with manufacturers of homes intended to qualify for MH Advantage based on specific design criteria.\nThe agreement may allow the manufacturers to apply an MH Advantage Sticker to single- or multi-section manufactured homes\nthat meet the design criteria. With the exception of the lender requirements outlined below, lenders will not be required to\nindependently determine the property’s eligibility for MH Advantage.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 16 of 166\n\nUAD 3.6 Policy\n\nLenders’ and appraisers’ responsibilities relating to MH Advantage loans are detailed below.\n\nRequirements\n\nLender\n\nThe lender must\n\n•\n\n•\n\n•\n\n•\n\n•\n\nensure the property meets the MH Advantage\neligibility requirements by reviewing appraisal\nphotos that show the MH Advantage Sticker or the\nCHOICEHome® label (placed in proximity to the\nHUD Data Plate),\n\nensure that for existing construction, either\nthe HUD Data Plate or the HUD Certification\nLabel(s) is present, and\n\nensure for new construction, both the HUD Data\nPlate and the HUD Certification Labels are\npresent.\n\nverify through the URAR, and/or Completion\nReport, completion alternatives, or photos\n\no\n\no\n\nthe presence of a driveway leading to the\nhome (or to the garage or carport, if one\nis present). The driveway must consist of\nblacktop, pavers, bricks, concrete,\ncement, or gravel (gravel must have a\nminimum depth of four inches) and;\n"}

chunks/json/a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155.json

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+{"chunk":{"char_end":1251092,"char_start":1248731,"chunk_id":"chk_452672af9d4fcf70","chunk_index":742,"chunk_sha256":"a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155","token_estimate":591,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PUD\nProject Unit Type(s)\nAttached and Detached\n\n44 and 45\n\nPROJECT\nINFORMATION\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControl\nsProjectManagementIndicator=‘Y’]\n\nIndicates that developer is in control of\nthe project's management (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControl\nsProjectManagementIndicator=‘N’]\n\nProject Design Type\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType=‘Det\nached’]\n\nProject Design Type\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType=‘Atta\nched’]\n\nProject Design Type\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType=‘Oth\ner’ and @_DesignTypeOtherDescription='AttachedAndDetached']\n\n1\n\n1\n\n8\n\n8\n\n8\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated This XPath should be used only if 'Detached' is indicated.\n\nEnumerated This XPath should be used only if 'Attached' is indicated.\n\nEnumerated\n\nIf both Attached and Detached are indicated (i.e. the project contains both attached\nand detached buildings), this should be represented in the data by assigning Project\nDesign Type a value of 'Other' and assigning Project Design Type Other Description\na value of 'AttachedAndDetached'.\n\nIf field 1-24 (Project Classification Type) is\nindicated, then one and only one of fields 3-42,\n3-43 (values of Project Developer Controls\nProject Management Indicator) must be\nindicated\nIf field 1-24 (Project Classification Type) is\nindicated, then one and only one of fields 3-42,\n3-43 (values of Project Developer Controls\nProject Management Indicator) must be\nindicated\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nIf field 1-24 (Project Classification Type) is\nindicated, at least one of fields 3-44, 3-45\n(values of Project Design Type) should be\nindicated.\n"}

chunks/json/a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3.json

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+{"chunk":{"char_end":20305,"char_start":19668,"chunk_id":"chk_dc08aa8f8bf47b0c","chunk_index":23,"chunk_sha256":"a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3","token_estimate":529,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"IMPROVEMENT_COST_AND_DEPRECIATED_VALUE Element.................................................................................................................................................... 61\n\nIMPROVEMENT_COST Element .................................................................................................................................................................................................. 62\n\nIMPROVEMENT_DEPRECIATION Element .................................................................................................................................................................................. 62\n"}

chunks/json/a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930.json

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+{"chunk":{"char_end":338848,"char_start":337240,"chunk_id":"chk_f5a30bb15c55b509","chunk_index":279,"chunk_sha256":"a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Project Information – Arcrole Relationships\n\nPage 257\n\nArcrole relationships establish \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the\nXML data specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nDATA_SOURCE to PROJECT\n\nOverall Project Data Source. When the data source is associated with a subject property, provide the relationship that joins to the\napplicable instance of PROJECT where the ValuationUseType = \"SubjectProperty\".\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2500.0165 RELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROJECT\n\n2500.0166 RELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n2500.0167 RELATIONSHIP\n\n@xlink:to\n\n2500.0164 PROJECT\n\n@xlink:label\n\nPROJECT_n\n\nPROJECT_n\n\n0700.0124 DATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n19 Subject Listing Information\n\nPage 258\n\nThe Subject Listing Information section includes information about current and relevant listings of the subject property, with a minimum one\nyear look back. This section provides space for analysis and exhibits.\n\nThe Subject Listing Information section with the italicized text, “Current and/or relevant listings of the subject property (minimum 1 year\nlookback)” always displays.\n"}

chunks/json/a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc.json

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+{"chunk":{"char_end":649196,"char_start":647459,"chunk_id":"chk_8fc8e46769299525","chunk_index":386,"chunk_sha256":"a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc","token_estimate":434,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If Rental Comparable Data Source is MLS, the MLS number is required.\nIf a data source has an identifier, it must be reported on the URAR.\n\n23.02.05 Lease Start\n\nDate:\n\nIf available for each\nrental comparable unit\n\nmm/yyyy\n\nAppendix F-1: URAR Reference Guide\n\nPage 287 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nRent Schedule: Comparable Rental Properties – Comparable Property Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n23.02.06 Actual Rent:\n\nAlways required for\neach rental\ncomparable unit\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nMonthly Actual Rent for Unit\nFor the comparables, this information displays in the following subsections of\nRental Information:\n•\n•\n\nComparable Rental Properties 23.02.06\nComparable Rental Analysis Summary 23.03.45\n\nAppendix F-1: URAR Reference Guide\n\nPage 288 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nComparable Rental Analysis\n\nThe Comparable Rental Analysis subsection, or “rental comparison grid”, provides a consistent format to estimate the market rent of the subject\nproperty. Adjustments (in Adjusted Rent) should be made only when there is a market-supported difference between the comparable units and the\nsubject property unit. The appraiser must reconcile the applicable indicated monthly market rents to provide an opinion of the market rent for each\nunit in the subject property that is included in the Rental Information section.\n\nKey Concepts\n\nFields that are Not Applicable In the Rental Comparison Grid\n\nIf a specific field in the rental comparison grid is not applicable for a subject unit or a given comparable unit, the cell is either grayed out or displays a\ndash (—).\n"}

chunks/json/a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974.json

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+{"chunk":{"char_end":1194007,"char_start":1192402,"chunk_id":"chk_63d946f3c1afed89","chunk_index":709,"chunk_sha256":"a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘BasementArea’]/@_Amount\n\n10\n\nMoney\n\n324\n\n2\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms below\ngrade.\n\n325\n\n2\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below grade.\n\n326\n\n2\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n\n(Line 2)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below grade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeRecreationRoomCount\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeBedroomRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI\nON_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount\n"}

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+{"chunk":{"char_end":29421,"char_start":27803,"chunk_id":"chk_a0c4eeda49d0209c","chunk_index":16,"chunk_sha256":"a273014cb2e3a10630d83440fc2b38cfd8cfb4c03406f650fcbe6d5c08c81156","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"a273014cb2e3a10630d83440fc2b38cfd8cfb4c03406f650fcbe6d5c08c81156","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"A person admitted to practice law in at least one jurisdiction and authorized to perform criminal and civil legal functions on\nbehalf of clients.\nNote: Select this answer when an attorney has ordered the Appraisal Update (is the client).\n\nSelect one contact to be the client.\nFor FHA, VA, and USDA, reference the appropriate government agency appraisal guidelines.\n\nThe party who engages an appraiser by employment or contract in a specific assignment whether directly or through an\nagent.\nNotes:\n•\n•\nExamples:\n•\n•\n•\n\nThe lender is the client.\nThe AMC is the client for jurisdictions in which the AMC is required to be noted as the client in the report.\nAnother entity, such as Attorney or Investor, is the client.\n\nThe entity that purchases or holds the loan on the property.\nNote: Select this answer when the investor has ordered the Appraisal Update (is the client), such as for REO.\n\nThe entity that funds the mortgage loan for the property.\nNotes:\n•\n•\n\nAlways select this answer when there is a lender on the transaction.\nFor FHA, USDA, and VA, reference the appropriate government agency appraisal guidelines.\n\nSelect Other to enter an answer that is not in the above list.\nNote: Only select this answer when the client does not match any of the available selections. The Client Role can be\nassociated to a selection of Other.\n\nCompany Name and Address\n\nAssignment Information: Contact Information - Lender, Client, and AMC – Company Name and Address\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n04.006 Company Name Always required for\n\nFree-form\n\nDefinition / Additional Guidance\n"}

chunks/json/a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d.json

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+{"chunk":{"char_end":220486,"char_start":218783,"chunk_id":"chk_220fa6eb97b3339a","chunk_index":128,"chunk_sha256":"a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of other finished rooms in the basement.\n\n1\n\nNumeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n20\n\nString\n\nThis is a free text field which should describe the functional utility.\n\n20\n\nString\n\nThis is a free text field which should describe the heating/cooling.\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis is a free text field which must describe any energy efficient items.\nIf none, the appraiser must indicate 'None'.\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n20\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\n35\n\nString\n\n20\n\nString\n\n35\n\nString\n\n20\n\nString\n\n35\n\nString\n\nShould be populated if field 2-39 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nShould be populated if field 2-41 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 56 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\n287\n\n2\n\n44\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Feature\nDescription\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n"}

chunks/json/a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de.json

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chunks/json/a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3.json

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+{"chunk":{"char_end":427397,"char_start":425769,"chunk_id":"chk_64620fc783acdc95","chunk_index":246,"chunk_sha256":"a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"•\n•\n•\n•\n• Defects, Damages, Deficiencies have been identified\n•\n•\n\nSales Comparison Approach was the only approach to value considered\nSales Comparables:\n\no Three closed sales\no Two current listings\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n1234 ANYWHERE PL, ANYWHERE, MD 20854\n\nSUMMARY\n\nOpinion of Market Value\n\n$880,000\n\nMarket Value Condition\n\nSubject to Inspection\nSubject to Repair\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the\nextraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs\nrecommended below on the basis of a hypothetical condition that the repairs or alterations have been completed in a professional manner.\nThis might have affected the assignment results.\n08/07/2019\nEffective Date of Appraisal\nAssignment Reason\nPurchase\nBetty Borrower\nBorrower Name\nBob Borrower\nJohn Doe\n$866,000\nPending\n\nCurrent Owner of Public Record\nContract Price\nListing Status\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAmy Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\nStructure Design\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n"}

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chunks/json/a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109.json

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+{"chunk":{"char_end":298934,"char_start":297174,"chunk_id":"chk_de6533d9831fa2aa","chunk_index":256,"chunk_sha256":"a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109","token_estimate":440,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The Apparent Defects, Damages, Deficiencies (Subject Property Amenities) subsection always displays.\n\n• When SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005) = “false”, “None” displays in the section. (Figure\n\n14 - 6)\n\nPage 226\n\nFigure 14 - 66\n\n• When SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005) = “true”, display static text in italics (FID:\n\n14.005), “The items listed below represent the As Is condition as of the effective date of this report” displays and the following data is\nrequired:\n\no Feature - AmenityType (UID: 0200.0007, 0200.0023, 0200.0032, 0200.0039, 0200.0046, FID: 14.006)\n\n▪ Display each AmenityType on a new line.\n\no Location - DefectItemLocationType (UID: 3900.0141, FID: Not on report) = “Other” AND\n\nDefectItemLocationTypeOtherDescription (UID: 3900.0159, FID: 14.007) must be provided.\n\n▪ When adding the location of defects, damages, or deficiencies for this section, the value of “Other” must be\n\nindicated, with a description for the location field.\n\no Description - DefectItemDescription (UID: 3900.0139, FID: 14.008).\n\no Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0138,\n\nFID: 14.009).\n\no Recommended Action - DefectItemRecommendedActionType (UID: 3900.0142, FID: 14.010).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSubject Property Amenities Commentary\n\nThe Subject Property Amenities Commentary subsection displays only when comments are provided, and PropertyAmenityExistsIndicator\n(UID: 0200.0015, FID: 14.000) = “true”. Any commentary must use ValuationCommentText (UID: 0100.0044, FID: 14.011) and\nValuationAnalysisCategoryType (UID: 0100.0045, FID: Not on report) = “SubjectPropertyAmenities”.\n"}

chunks/json/a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2.json

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+{"chunk":{"char_end":6683,"char_start":5018,"chunk_id":"chk_ff7d4f1073bb2ad2","chunk_index":3,"chunk_sha256":"a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Numeric\n\n$5,000 -\n$1,705,000\n\noriginated. This is a\nparticular concern\nfor appraisals\nassociated with\npurchase-money\nmortgages.\n\nAppraisal records\nwhere “purpose” is\n“Refinance” will not\nhave a contract price.\n\nThe contract price\nmay not necessarily\nbe the final sales\nprice of the property.\nIn some situations,\nthe buyer and seller\nrenegotiate or\notherwise alter the\ncontract price after\nthe appraisal has\noccurred.\n\nContract\n\nTop coded to\n$1.7 million for\nhigh-cost areas\nand $720,000 for\nnon-high-cost\nareas; using\nintervals of\n$10,000,\ndisclosed the\nmidpoint value\nfor the interval\ninto which the\nreported value\nfalls. For\nexample, for a\nreported value of\n$117,835,\ndisclosed as\n$115,000\nbecause it is the\nmidpoint\nbetween\n$110,000 and\n$120,000.\n\nFederal Housing Finance Agency\n\n4\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nbuilt_up\n\nNeighborhood\nCharacteristic: Built-Up\n\nAppraiser’s estimate of the\npercentage range of available\nland in the neighborhood that\nhas been improved.\n\nCharacter\n\ngrowth_rate\n\nNeighborhood\nCharacteristic: Growth\nRate\n\nAppraiser-specified rate at\nwhich the neighborhood is\nbeing developed.\n\nCharacter\n\nproperty_value_trend\n\nOne-Unit Housing Trend:\nProperty Values\n\ndemand_supply\n\nOne-Unit Housing Trend:\nDemand/Supply\n\nmarketing_time\n\nOne-Unit Housing Trend:\nMarketing Time\n\nAppraiser-specified trend of\none-unit property values in the\nsubject's neighborhood.\n\nCharacter\n\nAppraiser-specified state of\nmarket demand versus the\nsupply of properties in the\nneighborhood.\n\nAppraiser-specified typical\nlength of time a property would\nstay on the market before\nbeing sold in the neighborhood.\n"}

chunks/json/a2adbfbbfc0160f857de1fe5b55e7d6bf3cca6646943207a833e583bc736f9a6.json

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+{"chunk":{"char_end":6999,"char_start":5093,"chunk_id":"chk_b7e9f84f03f56f0b","chunk_index":3,"chunk_sha256":"a2adbfbbfc0160f857de1fe5b55e7d6bf3cca6646943207a833e583bc736f9a6","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"a2adbfbbfc0160f857de1fe5b55e7d6bf3cca6646943207a833e583bc736f9a6","token_estimate":477,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Purpose of loan reported by the Enterprise. *\nPurchases include subordinate liens and\nhome improvement/rehabilitation loans that\nare associated with a home purchase.\n\n*Also includes other federally guaranteed\nloans.\n\n7\n\n1\n\nltv_cat\n\nLoan-to-Value Ratio (LTV)\nat Origination, or\nCombined LTV (CLTV)\nwhere available\n\n8\n\n1\n\npurpose_sf_nfa\n\nPurpose of Loan\n\n9\n\n1\n\nfed_guarantee_sf_nfa\n\nFederal Guarantee\n\n1 = >0, <=60%\n2 = >60, <=80%\n3 = >80, <=90%\n4 = >90, <=95%\n5 = >95%\n9 = Missing\n1 = Purchase*\n8 = Other\n9 = Not applicable/not available\n\n1 = FHA/VA\n2 = Rural Housing Service (RHS) -\nguaranteed rural housing loan*\n3 = Home Equity Conversion Mortgage\n(HECM)\n4 = No Federal guarantee (i.e.,\nConventional)\n5 = Title 1 – FHA\n\nSF NFA\n\n4\n\nFederal Housing\nFinance Agency\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nNational File A\n\nField # Field\nWidth\n1\n\n10\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nrace_ethnicity_borr\n\nBorrower Race or\nNational Origin, and\nEthnicity\n\n1 = American Indian or Alaska Native\n2 = Asian\n3 = Black or African American\n4 = Native Hawaiian or Other Pacific\nIslander\n5 = White\n6 = Two or more races\n7 = Hispanic or Latino\n9 = Not available/not applicable\n\nCategories 1-7 consolidate information on\nborrower race and ethnicity reported by the\nEnterprise. Categories 1 through 6 include\nonly borrowers not identified as Hispanic or\nLatino. Categories 1-5 include non-Hispanic\nor Latino borrowers identifying only one race\ncategory. Category 6 includes non-Hispanic or\nLatino borrowers identifying two or more\nraces. Category 7 includes borrowers\nidentified as Hispanic or Latino, of any race.\nCategory 9 includes mortgages for which no\nborrower race or ethnicity is identified,\noriginally coded as information not provided\nby the borrower in a mail or telephone\napplication, not applicable, or not available.\n"}

chunks/json/a2b3847e42e8c012150720fc094c9d62b6cbe22e504c10a22d3dc3a80de7c8e7.json

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+{"chunk":{"char_end":10495,"char_start":8811,"chunk_id":"chk_ac79609b540e6533","chunk_index":5,"chunk_sha256":"a2b3847e42e8c012150720fc094c9d62b6cbe22e504c10a22d3dc3a80de7c8e7","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4be57452b7cc6aa7","text_sha256":"a2b3847e42e8c012150720fc094c9d62b6cbe22e504c10a22d3dc3a80de7c8e7","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Performance_Data___FHFA_qw14v.md"]},"text":"### Duty to Serve Single-Family Dashboard\n\nThe Duty to Serve Single-Family Dashboard shows the share of Enterprise loans that meet DTS income requirements for Manufactured Housing and in High-needs Rural Regions. The dashboard also shows the share of all Enterprise loans in DTS Rural areas.\n\n### Duty to Serve Multifamily Dashboard\n\nThe Duty to Serve Multifamily Dashboard shows the share of multifamily units supported by Enterprise loans that meet DTS income requirements for Multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural markets for both Fannie Mae and Freddie Mac. The dashboard also shows the share of properties under each objective that are in Rural Areas, High-Needs Rural Regions, Areas of Concentrated Poverty, and High Opportunity Areas.\n\n## Interactive Maps\n\n- ## DTS Single-Family Dashboard\n\nThe Duty to Serve Single-Family Dashboard is an interactive map that looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.\n\nPrior year information can be viewed by selecting the year of interest in the dashboard.\n\n- [2024 DTS Single-Family Dashboard](/data/dashboard/dts/single-family/2024)\n- [2024 DTS Single-Family Dashboard Data [ZIP]](/document/dts_2024_sf_dashboard.zip)\n\n- ## DTS Multifamily Dashboard\n\nThe Duty to Serve Multifamily Dashboard is an interactive map that looks at the number of multifamily units supported by Enterprise loans and investments that meet DTS income requirements for multifamily objectives in the Affordable Housing Preservation, Manufactured Housing, and Rural Housing markets.\n"}

chunks/json/a2ba9d73fb086f6396a0de1c6cd5c1b2b641d9f628a952a05720869b859e0ec1.json

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+{"chunk":{"char_end":25153,"char_start":23205,"chunk_id":"chk_78699d3bbef959ba","chunk_index":13,"chunk_sha256":"a2ba9d73fb086f6396a0de1c6cd5c1b2b641d9f628a952a05720869b859e0ec1","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"a2ba9d73fb086f6396a0de1c6cd5c1b2b641d9f628a952a05720869b859e0ec1","token_estimate":487,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Mortgage_Database_Program___FHFA_dj6a7.md"]},"text":"[60-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-3) (2/28/2024)\n\n[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2022-n-5) (5/19/2022)\n\n[60-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2021-n-15) (12/18/2021)\n\n[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Emergency Information Collection - Correction](/regulation/federal-register/pra-information-collection-notice/2020-n-14-0) (8/7/2020)\n\n[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Emergency Information Collection](/regulation/federal-register/pra-information-collection-notice/2020-n-14) (7/31/2020)\n\n[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-03) (3/24/2016)\n\n[60-Day Notice of Submission of National Survey of Existing Mortgage Borrowers (NSEMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2015-n-11) (11/10/2015)\n\n---\n\n[[1]]() NMDB® and FHFA® are federally registered trademarks of the Federal Housing Finance Agency (FHFA Marks) and are subject to all applicable laws governing the use of trademarks. FHFA Marks may be used for educational, informational, non-promotional and non-commercial purposes. FHFA requires all third parties referring to FHFA Marks to do so in a manner that does not imply a relationship with the Federal Housing Finance Agency. Material in which FHFA Marks appear must acknowledge that the trademarks are federally registered trademarks of the Federal Housing Finance Agency.\n"}

chunks/json/a2bcd84b5c22db11466f7fb35416c46142e20de73997004180caba8def6c66b6.json

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+{"chunk":{"char_end":26159,"char_start":24541,"chunk_id":"chk_37c198b1cc1ba3fc","chunk_index":15,"chunk_sha256":"a2bcd84b5c22db11466f7fb35416c46142e20de73997004180caba8def6c66b6","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"a2bcd84b5c22db11466f7fb35416c46142e20de73997004180caba8def6c66b6","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Prior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nTransfer Terms\nPre-Subdivision Sale\n\nDate\n10/01/2015\n\nAmount\n$2,500,000\n\nData Source\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Land was purchased in a bulk sale for the current subdivision Grammy\nGold.\n\nComparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nDate\n06/07/2017\n\nAmount\n$805,000\n\nData Source\nMLS\nAssessor Record\n\n2\n\n3\n\n4\n\nNone\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comparable #1 had a prior transfer. The prior sale appears to be a market\nmotivated arm’s length transaction with no unusual concessions noted. The increase in value appears to be based upon recent improvements\nmade to the comparable which include, but are not limited to, the finishing of the below grade area to include a family room, bedroom, and\nbathroom. No other prior sales have been reported for the remaining comparable properties.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 24\nPage 14 of 24\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n8675309 Jenny Ln\nAnytown, IL 54321\n\n44828 Jane Ln\nAnytown, IL 54321\n\n28200 Mary Ln\nAnytown, IL 54321\n"}

chunks/json/a2e0464a95abbf1959a674468b64a0d1fc44480a3b3cd96d7e63ec26628b1e07.json

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+{"chunk":{"char_end":634032,"char_start":632313,"chunk_id":"chk_824dc9791f01e2bc","chunk_index":377,"chunk_sha256":"a2e0464a95abbf1959a674468b64a0d1fc44480a3b3cd96d7e63ec26628b1e07","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a2e0464a95abbf1959a674468b64a0d1fc44480a3b3cd96d7e63ec26628b1e07","token_estimate":430,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"comparison of comparable units to each unit in the subject property\n\n• Rental Analysis Commentary\n• Rental Information Exhibits\n\nThis section displays when Rent Schedule Developed by Appraiser is Yes, and a subject property unit is included\nin the section when Include Unit in Rent Schedule is Yes.\n\nReport\nField ID\n\nNot on\nReport\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nRental Information\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required\n\nYes | No\n\nRent Schedule Developed by Appraiser\n•\n•\n\nYes (The Rental Information section is included)\nNo (The Rental Information section is not included)\n\nYes | No\n\nRequired for each\nsubject property unit\nincluding ADUs if Rent\nSchedule Developed by\nAppraiser is Yes\n\nInclude Unit in Rent Schedule\n•\n•\n\nYes (The unit is included in the Rental Information section)\nNo (The unit is not included in the Rental Information section)\n\nNotes:\n•\n\nIf only a rent schedule is requested (without the Income Approach),\nRental Information includes the necessary units based on the scope of\nwork. Examples:\n\no\n\no\n\nSingle-family property, if subject property rents are required to\nbe confirmed.\nSingle-family property with an ADU, if a rent schedule is\nrequired for the ADU only.\n\n•\n\nFor ADUs, reference published guidelines by the GSEs, government\nagencies, or other identified secondary market participants for specific\nguidance.\n\nInformation previously entered for the subject property populates from the applicable section to Rental\nInformation and does not have to be re-entered. The tables in this chapter show the original location of the\ninformation.\n"}

chunks/json/a2e302620d851ce8fa87eea83aaaa1edf2c310acf85a23469bf755ecce995f66.json

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chunks/json/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.json

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+{"chunk":{"char_end":32157,"char_start":30523,"chunk_id":"chk_9a53e1513c76c7f3","chunk_index":18,"chunk_sha256":"a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03","token_estimate":408,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"1 = Conventional/Other\n2 = FHA-insured*\n3 = VA-guaranteed\n4 = FSA/RHS-guaranteed\n99 = Missing\n1 = Yes\n2 = No\n9 = Not available\n1 = American Indian or Alaska Native\n2 = Asian\n3 = Black or African American\n4 = Native Hawaiian or Other Pacific\nIslander\n5 = White\n6 = Information not provided by\nborrower in a mail, internet, or\ntelephone application\n7 = Not applicable\n9 = Not available\n\nSF CTF\n\n23\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n24\n\nethnicity_borr\n\nBorrower Ethnicity\n\n25-29 1\n\nrace1_coborr,\nrace2_coborr,\nrace3_coborr,\nrace4_coborr,\nrace5_coborr\n\nCo-Borrower Race or\nNational Origin 1-5\n\n30\n\n1\n\nethnicity_coborr\n\nCo-Borrower Ethnicity\n\n1 = Hispanic or Latino\n2 = Not Hispanic or Latino\n3 = Information not provided by\nborrower in a mail, internet, or\ntelephone application\n4 = Not applicable\n9 = Not available\n1 = American Indian or Alaska Native\n2 = Asian\n3 = Black or African American\n4 = Native Hawaiian or Other Pacific\nIslander\n5 = White\n6 = Information not provided by co-\nborrower in a mail, internet, or\ntelephone application\n7 = Not applicable\n8 = No co-borrower\n9 = Not available\n\n1 = Hispanic or Latino\n2 = Not Hispanic or Latino\n3 = Information not provided by co-\nborrower in a mail, internet, or\ntelephone application\n4 = Not applicable\n5 = No co-borrower\n9 = Not available\n\nSF CTF\n\n24\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n"}

chunks/json/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.json

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+{"chunk":{"char_end":240439,"char_start":238655,"chunk_id":"chk_c7c5395b779c1c38","chunk_index":136,"chunk_sha256":"a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 49. UCD v2.0 Spec Excerpt – High Cost Mortgages Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered\nValue\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/HIGH_COS\nT_MORTGAGES/HIGH_COST_MORTGAGE\n\n4.039\n\nAveragePrimeOfferRatePercent\n\n6.4700\n\nMust be > “0”\n\n7.087\n\nRegulationZExcludedBonaFideDiscountPointsIndicator\n\ntrue\n\n7.088\n\nRegulationZExcludedBonaFideDiscountPointsPercent\n\n0.2500\n\nMust be > “0”\n\n7.091\n\nRegulationZTotalAffiliateFeesAmount\n\n150.00\n\nMust be ≥ “0”\n\n4.034\n\nRegulationZTotalLoanAmount\n\n142542.00 Must be > “0”\n\n3.030\n\nRegulationZTotalPointsAndFeesAmount\n\n1458.00\n\nMust be ≥ “0”\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_PR\nODUCT/LOAN_PRICE_QUOTES/LOAN_PRICE_QUOTE/LOAN_PRICE_QUOTE_DETAIL\n\n4.038\n\nLoanPriceQuoteInterestRatePercent\n\n6.5000\n\n▪ The expected value is the interest rate offered\n\nto the borrower prior to their electing to\npurchase discount points. The interest rate\nthe borrower qualified for does not have to\nstart with zero points.\n\n▪ Must be > “0”\n\nFigure 73. XML Snippet - High Cost Mortgage Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<HIGH_COST_MORTGAGES>\n <HIGH_COST_MORTGAGE>\n\n<AveragePrimeOfferRatePercent>6.4700</AveragePrimeOfferRatePercent>\n <RegulationZExcludedBonaFideDiscountPointsIndicator>true</RegulationZExcludedBonaFideDiscountPointsIndicator>\n <RegulationZExcludedBonaFideDiscountPointsPercent>0.2500</RegulationZExcludedBonaFideDiscountPointsPercent>\n <RegulationZTotalAffiliateFeesAmount>150.00</RegulationZTotalAffiliateFeesAmount>\n <RegulationZTotalLoanAmount>142542.00</RegulationZTotalLoanAmount>\n <RegulationZTotalPointsAndFeesAmount>1458.00</RegulationZTotalPointsAndFeesAmount>\n"}

chunks/json/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.json

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+{"chunk":{"char_end":436213,"char_start":434616,"chunk_id":"chk_17edf8d2188f5494","chunk_index":258,"chunk_sha256":"a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Business Center\n\nA room or location providing office facilities and services.\n\nCaregiver Services\n\nService offered to provide support and assistance to individuals in performing tasks of personal or household care.\n\nClubhouse\n\nClub Membership\n\nCommunity Pier\n\nConcierge Service\nCoordination\n\nCooling\n\nDeck\n\nA building or area used for social or recreational activities by occupants of the project.\n\nA club membership that is included in the HOA fees (e.g., golf club membership, health club membership).\n\nA private pier owned by the project that gives members access to the waterfront.\n\nAssistance with organizing a variety of personal services.\n\nNote: Select this answer when the air conditioning / cooling expenses for the unit are provided in common and included in\nthe mandatory fees.\n\nA platform that is located next to or attached to a structure and is accessible from the structure.\nNote: Choose this answer if the deck is a common deck available for use by all owners and guests to the project. If the deck\nis intended for the exclusive use of the subject unit, reference the Subject Property Amenities section.\n\nDoor Attendant\n\nAn individual providing courtesy and / or security services in a residential building.\n\nEV Station\n\nElevator\n\nFitness Area\n\nA system designed to provide on-demand charging for compatible electric vehicles.\nNote: Choose this answer if the EV Station is considered common area and available for use by all owners and guests to\nthe project. If the EV Station is intended for the exclusive use of the subject unit, reference the Subject Property Amenities\nsection.\n"}

chunks/json/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.json

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+{"chunk":{"char_end":1200313,"char_start":1198697,"chunk_id":"chk_82c2f9c9680ae280","chunk_index":713,"chunk_sha256":"a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Energy Efficient Items\n\nSale Price\nAdjustment\nDescription\n\nEnergy Efficient Items\nAdjustment\n\nSale Price\nAdjustment Amount\n\nGarage/Carport\n\nSale Price\nAdjustment\nDescription\n\nGarage/Carport Adjustment\n\nSale Price\nAdjustment Amount\n\nPorch, Patio, Deck\n\nSale Price\nAdjustment\nDescription\n\nPorch, Patio, Deck Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n"}

chunks/json/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.json

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+{"chunk":{"char_end":14068,"char_start":11106,"chunk_id":"chk_f463aea255199cd3","chunk_index":6,"chunk_sha256":"a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ecfd9b9b751070e","text_sha256":"a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a","token_estimate":844,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Annual_Housing_Report___U_S__FEDERAL_HOUSING_qdkqo4.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/166&order=field_release_date&sort=asc) Report Attachment October 30, 2025 [Annual Housing Report - 2025 (covers activities 1/2024 - 12/2024)](/reports/annual-housing-report/2025) [Read Report](/document/annual-housing-report-2025) October 30, 2024 [Annual Housing Report - 2024 (covers activities 1/2023 - 12/2023)](/reports/annual-housing-report/2024) [Read Report](/document/annual-housing-report-2024) October 30, 2023 [Annual Housing Report - 2023 (covers activities 1/2022 - 12/2022)](/reports/annual-housing-report/2023) [Read Report](/media/47286) October 28, 2022 [Annual Housing Report - 2022 (covers activities 1/2021 - 12/2021)](/reports/annual-housing-report/2022) [Read Report](/media/30381) October 29, 2021 [Annual Housing Report - 2021 (covers activities 1/2020 - 12/2020)](/reports/annual-housing-report/2021) [Read Report](/document/annual-housing-report-2021) October 30, 2020 [Annual Housing Report - 2020 (covers activities 1/2019 - 12/2019)](/reports/annual-housing-report/2020) [Read Report](/document/annual-housing-report-2020) October 30, 2019 [Annual Housing Report - 2019 (covers activities 1/2018 - 12/2018)](/reports/annual-housing-report/2019) [Read Report](/media/30091) October 30, 2018 [Annual Housing Report - 2018 (covers activities 1/2017 – 12/2017)](/reports/annual-housing-report/2018) [Read Report](/document/annual-housing-report-2018) October 30, 2017 [Annual Housing Report - 2017 (covers activities 1/2016 – 12/2016)](/reports/annual-housing-report/2017) [Read Report](/document/annual-housing-report-2017) October 28, 2016 [Annual Housing Report - 2016 (covers activities 1/2015 – 12/2015)](/reports/annual-housing-report/2016) [Read Report](/media/30471) October 30, 2015 [Annual Housing Report - 2015 (covers activities 1/2014 – 12/2014)](/reports/annual-housing-report/2015) [Read Report](/document/annual-housing-report_2015) October 30, 2014 [Annual Housing Report - 2014 (covers activities 1/2013 – 12/2013)](/reports/annual-housing-report/2014) [Read Report](/document/fhfa-annual-housing-report-2014) October 30, 2013 [Annual Housing Report - 2013 (covers activities 1/2012 – 12/2012)](/reports/annual-housing-report/2013) [Read Report](/document/annual-housing-report-2013) October 31, 2012 [Annual Housing Report - 2012 (covers activities 1/2011 – 12/2011)](/reports/annual-housing-report/2012) [Read Report](/document/annual-housing-report-2012) October 31, 2011 [Annual Housing Report - 2011 (covers activities 1/2010 – 12/2010)](/reports/annual-housing-report/2011) [Read Report](/document/annual-housing-report-2011) October 29, 2010 [Annual Housing Report - 2010 (covers activities 1/2009 – 12/2009)](/reports/annual-housing-report/2010) [Read Report](/media/24781) October 30, 2009 [Annual Housing Report - 2009 (covers activities 1/2008 – 12/2008)](/reports/annual-housing-report/2009) [Read Report](/media/24791)\n"}

chunks/json/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.json

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+{"chunk":{"char_end":25337,"char_start":23704,"chunk_id":"chk_ce5085d41d30d545","chunk_index":14,"chunk_sha256":"a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad","token_estimate":408,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Topography\n\nFlat\n\nSloping\n\n$0\n\nSite Influence (Location)\n\nPark | Residential\n\nLake | Residential\n\n$(15,000)\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nResidential | Full\n\nResidential | Full\n\n2020\n\n2020\n\nConstruction Method\n\nManufactured | Site Built\n\nManufactured Home Width\n\nHeating\n\nCooling\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nMulti\n\nHeat Pump | Electric\n\nManufactured\n| Site Built\n\nMulti\n\nHeat Pump\n| Electric\n\nCentralized\n\nCentralized\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,568 Sq. Ft.\n\n1,410 Sq. Ft.\n\n$10,270\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nQ3\n\nExterior Walls and Trim\n\nAluminum | Synthetic Stone\n\nFoundation\n\nCondition\n\nExterior Walls and Trim\n\nRoof\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nCrawl Space\n\nC2\n\nNew or Like New\n\nNew or Like New\n\nQ3\n\nAluminum\n\nCrawl Space\n\nC3\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nQ3\n\nQ3\n\nEnergy Star appliances\nand wood cabinets\n\nEnergy Star appliances\nand wood cabinets\n\nOverall Bathrooms\n\nMetal plumbing fixtures\n\nMetal plumbing fixtures\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nC2\n\nFully Updated\n\nFully Updated\n\nC3\n\nPartially Updated\n\nFully Updated\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 20\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\n123 Anywhere St\nSomecity, TN 12345\n\n3026 Old West St\nSomecity, TN 12345\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n"}