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diff --git a/chunks/json/a19fbfc127512321530c0b624a63a3f6b40873ea78477fe29683a7e3a93e806e.json b/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"}
diff --git a/chunks/json/a1a5f19227c15db583b551fbe53b64b00138f9d819dbcde842eff10836877ce1.json b/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"}
diff --git a/chunks/json/a1a7cac182ef1131462cae3f14e24ed4b2c06884c16a253e87e39e712375e962.json b/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"}
diff --git a/chunks/json/a1b3d270a7d8b1616116ec9334ed45c960c4f0b57e39fb98bec8412c7f36cf34.json b/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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+{"chunk":{"char_end":25421,"char_start":23822,"chunk_id":"chk_ff21ea80e9fbbf3f","chunk_index":14,"chunk_sha256":"a1b43b3b23cc1fdf7e601d5c64b8019d6d1b757fb721312392efbcf0caa86d36","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a1b43b3b23cc1fdf7e601d5c64b8019d6d1b757fb721312392efbcf0caa86d36","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"N/A\n\nN/A\n\nN/A\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nN/A\n\nN/A\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 12 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n...…CONDITION_DETAIL\nCondition Detail Sequence Identifier\nGSE Improvement Area Type\nGSE Improvement Description Type\nGSE Estimate Year Of Improvement Type\n\n.PROPERTY\n..STRUCTURE\n...STRUCTURE_EXTENSION\n….STRUCTURE_EXTENSION_SECTION\nExtension Section Organization Name\n…..STRUCTURE_EXTENSION_SECTION_DATA\n……STRUCTURE_INFORMATION\nGSE Year Built Estimation Indicator\nGSE Stories Count\n\n.PROPERTY\n.._OFF_SITE_IMPROVEMENT\nProperty Off Site Improvement Type**\n\nProperty Off Site Improvement Description**\n\nProperty Off Site Improvement Exists Indicator**\n\nProperty Off Site Improvement Ownership Type**\n\n.PROPERTY\n..SITE\nHighest Best Use Indicator\n\nHighest Best Use Description\n\nSite Dimensions Description**\n\nSite Area Description**\n\nSite Zoning Classification Identifier**\n\nSite Zoning Classification Description**\n\nSite Zoning Compliance Type**\n\nSite Zoning Compliance Description**\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n"}
diff --git a/chunks/json/a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b.json b/chunks/json/a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b.json
new file mode 100644
index 0000000000000000000000000000000000000000..1966af69fa45d3cc712a725e6ef43148b2320094
--- /dev/null
+++ b/chunks/json/a1bf47abb90336b9b0eb34f9aaec3dbc1b4416c62ddb77cfe2935287511f305b.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1.json b/chunks/json/a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1.json
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index 0000000000000000000000000000000000000000..6cb170c3fe110d211c840f09d8f42352466a26e2
--- /dev/null
+++ b/chunks/json/a1c0dea3a4e89821504451e2d3f5e1b399cf958ff3379f3046098364eb8bd9d1.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4.json b/chunks/json/a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4.json
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index 0000000000000000000000000000000000000000..60142636a001b18b60ff8f342114b3484842bda8
--- /dev/null
+++ b/chunks/json/a1c1b1bbf51acba681a077e25a724156f8fa2e8ce481e9af556615808d9c50f4.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706.json b/chunks/json/a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706.json
new file mode 100644
index 0000000000000000000000000000000000000000..6980ee7f5703eeb4319c5bac632609e5766aab22
--- /dev/null
+++ b/chunks/json/a1cedfd8a42e20d9d0443392fab916cda68de28e05174ee8c8eb36e7a4817706.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff.json b/chunks/json/a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff.json
new file mode 100644
index 0000000000000000000000000000000000000000..a79be9eba584416722bcb89d36cc8eb9e7b6c826
--- /dev/null
+++ b/chunks/json/a1ed5489894bbd032096036a956cc297c9e7dc91cdcb2868cda1935c8402fbff.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164.json b/chunks/json/a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164.json
new file mode 100644
index 0000000000000000000000000000000000000000..1533926cb500f63e765ec3177ab06fcaff9ba4d7
--- /dev/null
+++ b/chunks/json/a1fb50e6c86fae1679ef3351296fd6713411a08cf8dd1790a4fd05fae8688164.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73.json b/chunks/json/a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73.json
new file mode 100644
index 0000000000000000000000000000000000000000..8bdfd6896ff2085b74e94c8d4f2a489a673ee6e1
--- /dev/null
+++ b/chunks/json/a202b53818cdc684e695b706c401e3f8ef1c5f2759bfc3945702588e2927ce73.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407.json b/chunks/json/a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407.json
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index 0000000000000000000000000000000000000000..304eec87800c7b97c11b6a8ad83bcefe15f06589
--- /dev/null
+++ b/chunks/json/a210209efd4393f470eec78c8775d32b6f36b0e9b9fc6f933d7fcacf23928407.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a21fe1ad755030c989cd29fd7dda6c1603ff0c58f161d4b825cac05ad1e9bff3.json b/chunks/json/a21fe1ad755030c989cd29fd7dda6c1603ff0c58f161d4b825cac05ad1e9bff3.json
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index 0000000000000000000000000000000000000000..b029524db321701430ae7940ca14345d3ad13bd1
--- /dev/null
+++ b/chunks/json/a21fe1ad755030c989cd29fd7dda6c1603ff0c58f161d4b825cac05ad1e9bff3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a23928a8bda9e650e6d12d7f89550eb8c9558eb8d5779c71de60f992b477c2bf.json b/chunks/json/a23928a8bda9e650e6d12d7f89550eb8c9558eb8d5779c71de60f992b477c2bf.json
new file mode 100644
index 0000000000000000000000000000000000000000..1f763752757ebc420b03afc58c6e4c7ec658fafc
--- /dev/null
+++ b/chunks/json/a23928a8bda9e650e6d12d7f89550eb8c9558eb8d5779c71de60f992b477c2bf.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a24a5897b93ccf03243df220690bf1c1af9a3e2c633cd208fa72bfbbff0e62ce.json b/chunks/json/a24a5897b93ccf03243df220690bf1c1af9a3e2c633cd208fa72bfbbff0e62ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..a1c9228d6e561b9d000eb926a94edc5a83248ef3
--- /dev/null
+++ b/chunks/json/a24a5897b93ccf03243df220690bf1c1af9a3e2c633cd208fa72bfbbff0e62ce.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155.json b/chunks/json/a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155.json
new file mode 100644
index 0000000000000000000000000000000000000000..0bbe115f409dd211d1be50265b5c011641d59421
--- /dev/null
+++ b/chunks/json/a24e15b1f50135a454f341ed6f18f4151df74ea1f7ba292c27f4321c4b857155.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3.json b/chunks/json/a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..d1175e89a7ca22ef0bc6b95350121aa53f1a4031
--- /dev/null
+++ b/chunks/json/a253da3c513bacccb3e87e7434161a8abb2ae1ec9140c91c2bc49bc51cf252d3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930.json b/chunks/json/a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930.json
new file mode 100644
index 0000000000000000000000000000000000000000..84732bc906ddacd6db4dd2db14967ca499bc88a8
--- /dev/null
+++ b/chunks/json/a2610a4b3a02be5c64c7e79a6b6170a95f3d9e753d882e00b097694f8b9b7930.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc.json b/chunks/json/a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc.json
new file mode 100644
index 0000000000000000000000000000000000000000..1a334671446fbf75aa4f125f245774129609566a
--- /dev/null
+++ b/chunks/json/a26f3f2c752b593b26af697de4c762b44c6d731aea508b27f93457c174ac49cc.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974.json b/chunks/json/a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974.json
new file mode 100644
index 0000000000000000000000000000000000000000..915266e33dc01f87aa805ab3e482bc0c0c71a75b
--- /dev/null
+++ b/chunks/json/a271c0728f13ec941fd6e550119d75688aaf94846d793f02a5ec21cf34c25974.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a273014cb2e3a10630d83440fc2b38cfd8cfb4c03406f650fcbe6d5c08c81156.json b/chunks/json/a273014cb2e3a10630d83440fc2b38cfd8cfb4c03406f650fcbe6d5c08c81156.json
new file mode 100644
index 0000000000000000000000000000000000000000..2ebc1d90317f8bf88db5308b583f9b458d3fdfc5
--- /dev/null
+++ b/chunks/json/a273014cb2e3a10630d83440fc2b38cfd8cfb4c03406f650fcbe6d5c08c81156.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d.json b/chunks/json/a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d.json
new file mode 100644
index 0000000000000000000000000000000000000000..e143fd32c2f8b5132081e53134be00291e8cf466
--- /dev/null
+++ b/chunks/json/a27b6596e38ff14d947a6bd4d33dccf2102053ad2cdfe63cedfe4abddd3ba06d.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de.json b/chunks/json/a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de.json
new file mode 100644
index 0000000000000000000000000000000000000000..3e38568388bd6fa7e7380a7cc3f684eeaed77ea0
--- /dev/null
+++ b/chunks/json/a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22709,"char_start":22191,"chunk_id":"chk_62a105d234ff9ddd","chunk_index":13,"chunk_sha256":"a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"a28843bfa3fa2724b8d15572cd7f5dfb5c4173678b01f7edf9085dc9f3c265de","token_estimate":130,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf","below_target_min_tokens"]},"text":"Nov 25, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n•\n•\n\n•\n\n3 edits moving from warning to fatal for Housing Counseling LLPA Credit loans\n1 new informational edit to validate interest rate\n1 new fatal edit to enforce Selling Guide Announcement SEL-2024-07 and project review requirements for delivering\nmanufactured homes\n1 new fatal edit to validate MBS Pool Delivery Date\n\n© 2023 Fannie Mae Page 10 of 10\n"}
diff --git a/chunks/json/a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3.json b/chunks/json/a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3.json
new file mode 100644
index 0000000000000000000000000000000000000000..f99f4ededaf581a9d7e697d5adf6d4de6e3cf6fb
--- /dev/null
+++ b/chunks/json/a28f0d75eeff4343e6e4ac8fe46079bd46db5742620e29ca65988d5e9de5adc3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a2a090de2d5cd4437fefc8ae03849275c8eb7bff38f917201aee6584f79da537.json b/chunks/json/a2a090de2d5cd4437fefc8ae03849275c8eb7bff38f917201aee6584f79da537.json
new file mode 100644
index 0000000000000000000000000000000000000000..43baaf30f2e4223eca342df7e168db78b3e459d7
--- /dev/null
+++ b/chunks/json/a2a090de2d5cd4437fefc8ae03849275c8eb7bff38f917201aee6584f79da537.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55028,"char_start":53390,"chunk_id":"chk_a9039958bbcbf9a7","chunk_index":77,"chunk_sha256":"a2a090de2d5cd4437fefc8ae03849275c8eb7bff38f917201aee6584f79da537","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"a2a090de2d5cd4437fefc8ae03849275c8eb7bff38f917201aee6584f79da537","token_estimate":410,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TAB-TX – Italic Text above TAB Rule\n\nTEXT\n\n9/13 Myriad Pro Italic x 45 picas; at tab 12 picas 4 points from TAB head, 2\npoints space to rule below.\n\nTAB-TX\n\nH1-TX – Italic Text in H1 (Gray Bar)\n\nTEXT\n\n9/11 Myriad Pro Italic flush right x 45 picas; in line with “Financial Sales\nConcessions” H1 head.\n\nH1-TX\n\nTXC – Commentary Text\n\nTXC\n\nTEXT\n\n9/11 Myriad Pro Regular x 45 picas; 5.5 points additional space above.\n\nINDENT Align left and text indent 4 points.\n\nAppendix E: Report Style Guide\n\nPage 22 of 90\n\nVersion 1.4\n\nNOTES\n\nSets sentence case.\n\nTXC-B – Commentary Text with Bold Intro\n\nTEXT\n\n9/11 Myriad Pro Regular (~135 characters max) with Bold intro phrase (~124\ncharacters max); x 45 picas; 5.5 points additional space above.\n\nINDENT Align left and text indent 4 points.\n\nTXC-B\n\nNOTES\n\nIntro phrase sets bold initial cap; comments set Myriad Pro Regular.\n\nTXC-B1 – Commentary Text, one column with Bold Intro\n\nTEXT\n\n9/11 Myriad Pro Regular (~66 characters max) with Bold intro phrase (~61\ncharacters max) x 22 picas; 5.5 points additional space above (except at top\nof column).\n\nINDENT Align left and text indent 4 points.\n\nTXC-B1\n\nNOTES\n\nIntro phrase sets bold initial cap; comments set Myriad Pro Regular.\n\nTXC-I – Commentary Text Italic\n\nTEXT\n\n9/11 Myriad Pro Italic x 45 picas (~149 characters max); 5.5 points additional\nspace above (except at top of column).\n\nINDENT Align left and text indent 4 points.\n\nTXC-I\n\nTXC-I1 – Commentary Text Italic, one column\n\nTEXT\n\n9/11 Myriad Pro Italic x 22 picas (~73 characters max); 5.5 points additional\nspace above (except at top of column).\n\nINDENT Align left and text indent 4 points.\n"}
diff --git a/chunks/json/a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109.json b/chunks/json/a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109.json
new file mode 100644
index 0000000000000000000000000000000000000000..68128991e24fb9e8ac0919068be74d3a17a1af33
--- /dev/null
+++ b/chunks/json/a2a4e8c0562be3cb088a22c55903aa8a812c3f9e54d9089b5bf3f98b760e3109.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2.json b/chunks/json/a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2.json
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index 0000000000000000000000000000000000000000..26b9a236d0925d0917aa632bdc62d6ba92f4e3f1
--- /dev/null
+++ b/chunks/json/a2a8c4d1b2a6eba4381d3109493a064565fafcc30cea234fb096accea0489fd2.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a2adbfbbfc0160f857de1fe5b55e7d6bf3cca6646943207a833e583bc736f9a6.json b/chunks/json/a2adbfbbfc0160f857de1fe5b55e7d6bf3cca6646943207a833e583bc736f9a6.json
new file mode 100644
index 0000000000000000000000000000000000000000..596910a7525ed9e68dae3466c1f2053234e24577
--- /dev/null
+++ b/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"}
diff --git a/chunks/json/a2b3847e42e8c012150720fc094c9d62b6cbe22e504c10a22d3dc3a80de7c8e7.json b/chunks/json/a2b3847e42e8c012150720fc094c9d62b6cbe22e504c10a22d3dc3a80de7c8e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..9248645f41a48ad068106dbae690dbe42e92ffa7
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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"}
diff --git a/chunks/json/a2ba9d73fb086f6396a0de1c6cd5c1b2b641d9f628a952a05720869b859e0ec1.json b/chunks/json/a2ba9d73fb086f6396a0de1c6cd5c1b2b641d9f628a952a05720869b859e0ec1.json
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diff --git a/chunks/json/a2bcd84b5c22db11466f7fb35416c46142e20de73997004180caba8def6c66b6.json b/chunks/json/a2bcd84b5c22db11466f7fb35416c46142e20de73997004180caba8def6c66b6.json
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diff --git a/chunks/json/a2e0464a95abbf1959a674468b64a0d1fc44480a3b3cd96d7e63ec26628b1e07.json b/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"}
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+{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_fb108013af95e699","chunk_index":0,"chunk_sha256":"a2f2e7fac345def884ba3a6a53a530531f0ab2903af48cb0dde9768babae51c2","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2f28eab53ee58644","text_sha256":"a2f2e7fac345def884ba3a6a53a530531f0ab2903af48cb0dde9768babae51c2","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Use_Database___FHFA_bbf3rc.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/pudb\"\ndate_accessed: \"2026-01-27T17:47:50.445Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a2f5d33a7ad94a95093c94bb0bc0daee30af0052f31128c882c5128b09078cae.json b/chunks/json/a2f5d33a7ad94a95093c94bb0bc0daee30af0052f31128c882c5128b09078cae.json
new file mode 100644
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--- /dev/null
+++ b/chunks/json/a2f5d33a7ad94a95093c94bb0bc0daee30af0052f31128c882c5128b09078cae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4804,"char_start":3202,"chunk_id":"chk_1fed70d682e9038c","chunk_index":2,"chunk_sha256":"a2f5d33a7ad94a95093c94bb0bc0daee30af0052f31128c882c5128b09078cae","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"a2f5d33a7ad94a95093c94bb0bc0daee30af0052f31128c882c5128b09078cae","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml"]},"text":"MLS\n\n25.165173\n\n-51.328125\n\nHall Street NW to the North; Bunker Hill Drive NW to the South; Potomac River to the West; Grant St. NW to the East\n\n12\n\nThe search criteria that the appraiser used to limit their search included a structure design focused on High Rises and an Ownership structure of Cooperative. Additional limiting factors included between 1 and 2 Full Bathrooms, 1-2 Bedrooms, Finished Area Above Grade between 1000 and 1400 Sq. Ft., 1-2 Parking Spaces. Additionally, the building would ideally be constructed between 1960 and 1975, with a closing date between 08/28/2018 and 08/28/2019.\n\n5\n\n675000\n\n460000\n\n30\n\n580000\n\nActiveListings\n\n0\n\nPendingSales\n\n15\n\n699000\n\n360000\n\n448500\n\nTotalSales\n\nUnderThreeMonths\n\nInBalance\n\nfalse\n\nA price trend analysis of the MLS data for the past year for 1-2 bedroom co-ops in this market area is stable with no discernible movement in prices, exhibiting economic equilibrium.\n\nThree Tree Hill\n\nLot: 1206. Block: 00012\n\nIngroundPool\n\nOther\n\nTheater\n\n45000\n\nThe ground rent has been stable over the last five years. The ground rent is controlled through the City of Washington, D.C.\n\n2039-12\n\ntrue\n\nfalse\n\nFixed\n\nfalse\n\n4.060\n\ntrue\n\nFirstLien\n\nfalse\n\n21\n\ntrue\n\nMonthly\n\n63739\n\n10957629\n\n42154\n\nFixed\n\nfalse\n\n5.000\n\ntrue\n\nSecondLien\n\n600000\n\n2308.20\n\ntrue\n\n1000000\n\n3847\n\n120\n\ntrue\n\nMonthly\n\n6364\n\nOther\n\nLandscaping\n\nfalse\n\ntrue\n\nApartment\n\nfalse\n\ntrue\n\n1\n\nfalse\n\n126\n\n1\n\n5\n\nfalse\n\n120\n\nCooperative\n\nXYZ Apartments\n\ntrue\n\nfalse\n\ntrue\n\n97222\n\n425\n\n120\n\nConcrete\n\nBalcony\n\n\\\\Images\\Coop_Balcony.png\n\nimage/png\n\nOutdoorLiving\n\n0\n\nAttached\n\n2060-11\n\n1\n\nfalse\n"}
diff --git a/chunks/json/a3023f125c18e80a5c7c8c786fd09e037164763fc31a32ccb28da8c214b782fd.json b/chunks/json/a3023f125c18e80a5c7c8c786fd09e037164763fc31a32ccb28da8c214b782fd.json
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index 0000000000000000000000000000000000000000..b1c3ef1e574188bd33ea2b0d63fc133b564c8b0b
--- /dev/null
+++ b/chunks/json/a3023f125c18e80a5c7c8c786fd09e037164763fc31a32ccb28da8c214b782fd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":146533,"char_start":144748,"chunk_id":"chk_317e7554fc2e57d6","chunk_index":79,"chunk_sha256":"a3023f125c18e80a5c7c8c786fd09e037164763fc31a32ccb28da8c214b782fd","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a3023f125c18e80a5c7c8c786fd09e037164763fc31a32ccb28da8c214b782fd","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>true<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemChangeDescription>You paid these Closing Costs before closing<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\nUCD v2.0 Implementation Guide\n\n- 63 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 46. XML Snippet - Example of Cash to Close Data for a Purchase.\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>-29.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>ClosingCostsPaidBeforeClosing<\n\n/IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>false<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>0.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>0.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>ClosingCostsFinanced</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>false<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>18000.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>18000.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>DownPayment</IntegratedDisclosureCashToCloseItemType>\n"}
diff --git a/chunks/json/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.json b/chunks/json/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.json
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+++ b/chunks/json/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.json
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+{"chunk":{"char_end":43054,"char_start":41445,"chunk_id":"chk_1caaf3bb154cff3f","chunk_index":44,"chunk_sha256":"a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b","token_estimate":403,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"18.040\n18.041\n18.042\n18.043\n18.044\n\n18.045\n\nImpact\n18.074\n\n18.075\n18.076\n\n18.077\n\n18.078\n18.079\n\n18.080\n18.081\n\n18.082\n18.083\n\n18.055\n18.056\n18.057\n\n18.058\n18.059\n18.060\n18.061\n18.062\n\n18.063\n\nThird Lien\n\n18.046\n\nFourth Lien\n\n18.047\n18.048\n18.049\n18.050\n18.051\n18.052\n18.053\n\n18.054\n\nComment\n18.084\n18.085\n18.086\n\n18.087\n\n18.088\n18.089\n18.090\n\n18.091\n18.092\n18.093\n\nProject Name\nProject Information Data Source\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\nReason Units Rented is Estimated\nMandatory Fees (HOA, PUD, or Co-op)\n\n18.005\n18.006\n18.007\n18.008\n18.009\n18.010\n\nMonthly Amount\nCommon Amenities/\nServices Included\nUtilities Included\n\n18.011\n\n18.012\n18.013\n\nObserved Deficiencies\n\nDescription of Deficiencies\n\n18.015\n\nCooperative Information\n\nShares Issued and Outstanding\nShares Attributable to Subject Property\n\n18.023\n18.024\n\nProject Blanket Financing\n\nPro Rata Share\n\nLien Detail\nUnpaid Principal Balance\n\nFirst Lien\n\nLine of Credit\n\nBalloon Mortgage\n\nRemaining Term\n\nMonthly Payment\n\nInterest Rate\n\nAmortization Type\n\nPro Rata Share of Balance\nAttributable to Unit\n\n18.027\n\n18.028\n18.029\n18.030\n18.031\n18.032\n18.033\n18.034\n18.035\n\n18.036\n\n18.014\n\nYes No\n(cid:133) (cid:133)\n\n18.026\n\nYes No\n(cid:133) (cid:133)\n\nSecond Lien\n\nProject Factors and Impact to Value/Marketability\n\n18.064\n18.065\n18.066\n\n18.067\n\n18.068\n18.069\n18.070\n18.071\n18.072\n18.073\n\nDetail\n\nProject Factor\nDeveloper/Sponsor in Control\n\nIncomplete Project\n\nConverted in Past 3 Years\n\nSingle Entity Ownership of Multiple\nUnits\n\nSingle Entity Ownership of Multiple\nShares\n\nCommercial Space\n\nKnown Legal Actions\n\nUnit Transfer Fees\n"}
diff --git a/chunks/json/a308964197ec21449ab197a08065aa026b7b26ea904ea980fe51f2e37f71762c.json b/chunks/json/a308964197ec21449ab197a08065aa026b7b26ea904ea980fe51f2e37f71762c.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a938f02d800ddef24b19bae9ee1fa4bd2e386d0
--- /dev/null
+++ b/chunks/json/a308964197ec21449ab197a08065aa026b7b26ea904ea980fe51f2e37f71762c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":825578,"char_start":823862,"chunk_id":"chk_addc7eef10807cf4","chunk_index":490,"chunk_sha256":"a308964197ec21449ab197a08065aa026b7b26ea904ea980fe51f2e37f71762c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a308964197ec21449ab197a08065aa026b7b26ea904ea980fe51f2e37f71762c","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"35\n\n35\n\n25\n\n2\n\n7\n\n7\n\n1\n\n1\n\n1\n\nString\n\nMust indicate the unit floor #.\n\nNumeric\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Improvements Section\nWhole numbers only. Must indicate the number of levels in the unit.\nUAD Instruction - Refer to Appendix D Improvements Section\nThis data point is structured differently on the 1004/70, because there are no heating\ncheckboxes. If no heat source, enter 'None'.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nThis field should indicate the fuel used for heating, if any. If no heating, then 'None'\nshould be indicated.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates central cooling, a value of 'N' indicates the box is not checked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates individual cooling units, a value of 'N' indicates the box is not\nchecked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates other cooling, a value of 'N' indicates the box is not checked.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n"}
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new file mode 100644
index 0000000000000000000000000000000000000000..e7c59388c335d1309fa709a630fb2e42d6c91a16
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+{"chunk":{"char_end":51120,"char_start":50421,"chunk_id":"chk_85d86cb7016db4c9","chunk_index":52,"chunk_sha256":"a30c607fa2e8f0351e64bc3f23d824a6cc44a9771ed4a37991ea2eb59314d75c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"a30c607fa2e8f0351e64bc3f23d824a6cc44a9771ed4a37991ea2eb59314d75c","token_estimate":435,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"22.09.08\n\n22.09.15\n\n22.10.07\n\n22.10.14\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:15)(cid:33)(cid:28)(cid:26)(cid:35)(cid:38)(cid:31)(cid:48)(cid:11)(cid:24)(cid:40)(cid:28)(cid:22)(cid:24)(cid:33)(cid:42)(cid:28)(cid:17)(cid:29)(cid:48)(cid:2)(cid:37)(cid:37)(cid:38)(cid:17)(cid:28)(cid:40)(cid:17)(cid:29)(cid:48)(cid:11)(cid:24)(cid:37)(cid:35)(cid:38)(cid:42)(cid:48) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:5)(cid:24)\n"}
diff --git a/chunks/json/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.json b/chunks/json/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.json
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index 0000000000000000000000000000000000000000..60e1eaf3b0e366fac612953220ae0777a24d6801
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+++ b/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"}
diff --git a/chunks/json/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.json b/chunks/json/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.json
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index 0000000000000000000000000000000000000000..bd8071d2b81ad976fb880169c5fd1056dac549a4
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+++ b/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"}
diff --git a/chunks/json/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.json b/chunks/json/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.json
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index 0000000000000000000000000000000000000000..e56f522eed7b840b307150590faf9feca02b68ea
--- /dev/null
+++ b/chunks/json/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.json b/chunks/json/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.json
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index 0000000000000000000000000000000000000000..de1372f80c94c8069ac56e90777d30d4ff10a057
--- /dev/null
+++ b/chunks/json/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.json b/chunks/json/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.json
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index 0000000000000000000000000000000000000000..c601c793dcba633d5f847a2a5bc252fa91925617
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+++ b/chunks/json/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.json b/chunks/json/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.json
new file mode 100644
index 0000000000000000000000000000000000000000..217ca0bb8531649bbba22d6362c66f13650828dc
--- /dev/null
+++ b/chunks/json/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.json b/chunks/json/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.json
new file mode 100644
index 0000000000000000000000000000000000000000..473962f2285559cb3705d0c82fe8a2c39ec33899
--- /dev/null
+++ b/chunks/json/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.json
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+{"chunk":{"char_end":281303,"char_start":279700,"chunk_id":"chk_0c83c04965aa6ac5","chunk_index":164,"chunk_sha256":"a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and\nassociated by Property Feature\nSequence Identifier.\n\nThe dollar amount of the adjustment\nmade for the property feature\ndescribed by Property Feature\nDescription. Property Feature Name,\nDescription and Adjustment are used\nto capture information about property\nfeatures.\nIndicates whether the total\nadjustments made to the property\nsales price during the application of\nthe Sales Comparison approach were\npositive. This field is specific to the\nappraisal forms.\n\n355\n\n2\n\n95\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\n356\n\n2\n\n96\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\n357\n\n2\n\n97\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\n358\n\n2\n\n98\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\n359\n\n2\n\n99\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item\n\nProperty Feature\nDescription\n\n360\n\n2\n\n100\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Adjustment\n\nProperty Feature\nAdjustment Amount\n\n361\n\n2\n\n101\n\nSALES\nCOMPARISON\nAPPROACH\n\nAdjusted Sales Price\nPositive\n\nSales Price Total\nAdjustment Positive\nIndicator\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 66 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n"}
diff --git a/chunks/json/a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5.json b/chunks/json/a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5.json
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index 0000000000000000000000000000000000000000..344c0bb5d14159c60cbe947d0342e18461431ac4
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+{"chunk":{"char_end":334,"char_start":0,"chunk_id":"chk_cdecba7f133396b6","chunk_index":0,"chunk_sha256":"a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7da4c766944ce658","text_sha256":"a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5","token_estimate":102,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_z4i9a8i.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-26-resources\"\ndate_accessed: \"2026-01-27T17:45:43.163Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.json b/chunks/json/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.json
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index 0000000000000000000000000000000000000000..c2540e7a0678228cda6034a9a66859409790827d
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+++ b/chunks/json/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.json
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+{"chunk":{"char_end":337238,"char_start":335579,"chunk_id":"chk_58af181e22f43786","chunk_index":278,"chunk_sha256":"a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 256\n\nProject Information Exhibits\n\nThe Project Information Exhibits subsection displays only when images are provided. All text must display above the image in bold font.\n\nCommon Amenities/Services\n\n•\n\nImages provided for Common Amenities/Services must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.012.1) =\n“ProjectAmenity”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.012.2).\n\n• The text \"Common Amenity or Service \" must display above the image followed by the image caption.\n\nObserved Deficiencies\n\n•\n\nImages Provided for Observed Deficiencies must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.014.1) =\n“ProjectDeficiency”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.014.2).\n\n• The text \"Observed Deficiency\" must display above the image followed by the image caption.\n\nAdditional Exhibits\n\n• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.098.1) = “ProjectExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.098.2).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n<IMAGE>\n\n<ImageCaptionCommentDescription>Descriptive caption for exhibit.</ImageCaptionCommentDescription>\n<ImageCategoryType>ProjectExhibit</ImageCategoryType>\n<ImageLocationIdentifier>zip://location/ProjectInformationExhibit.jpg</ImageLocationIdentifier>\n<MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>\n\n</IMAGE>\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n"}
diff --git a/chunks/json/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.json b/chunks/json/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.json
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index 0000000000000000000000000000000000000000..920fa263dee78ff966a5cc8fc97fcf65d90b59fe
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+++ b/chunks/json/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11805,"char_start":11548,"chunk_id":"chk_7a339f80306b1dd3","chunk_index":6,"chunk_sha256":"a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf","token_estimate":64,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf","below_target_min_tokens"]},"text":"For More Information\n\nFor more information about the digital validation that is supported by asset verification reports, visit the DU validation service\npage for a complete listing of documents and materials available to lenders.\n\n© 2024 Fannie Mae\n\n4 of 4\n"}
diff --git a/chunks/json/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.json b/chunks/json/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.json
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index 0000000000000000000000000000000000000000..4642471b753daeec50e5a071cf139b8ec164bc6e
--- /dev/null
+++ b/chunks/json/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":134147,"char_start":132484,"chunk_id":"chk_2fdbf14117fb6253","chunk_index":75,"chunk_sha256":"a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e","token_estimate":416,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"all property data collections,\n\n•\n• hybrid appraisals,\n• desktop appraisals, and\n•\n\ntraditional appraisals when the layout of the dwelling unit(s) is atypical or\nfunctionally obsolete, limiting the appeal of the property in comparison to\ncompetitive properties in the market area.\n\nA footprint sketch can only be used for a traditional appraisal if the layout of the dwelling\nunit(s) is not atypical or functionally obsolete.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 56 of 166\n\nUAD 3.6 Policy\n\nA separate floor plan or footprint sketch that includes legible exterior dimensions\nreported to the nearest tenth of a foot, and room labels must be provided for each\nadditional structure including ADUs.\n\nFor a unit in an apartment/multifamily condo or co-op project building, the floor plan or\nfootprint sketch of the unit must indicate interior perimeter unit dimensions rather than\nexterior building dimensions (dimensions and estimates for unit square footage(s) shown\nin the project documents are acceptable). See Above- and Below- Grade Area(s) in SB4-1.3-\n05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report, for\nadditional information.\n\nFor complete descriptions of a floor plan or footprint sketch, see SE-3-06, Acronyms and\nGlossary of Defined Terms: F.\n\nStreet map\n\nA map showing the location of the subject property and the comparables used in the\nappraisal report.\n\nClear, descriptive color photographs showing the front, back, and street scene of the\nsubject property and the front of each comparable. If the subject property has multiple\ndwellings on site, then a front photo of each dwelling is required.\n"}
diff --git a/chunks/json/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.json b/chunks/json/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.json
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index 0000000000000000000000000000000000000000..930f839facdfe0ff557eaacd7ac269df353dc7e0
--- /dev/null
+++ b/chunks/json/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6694,"char_start":4944,"chunk_id":"chk_37101d77e16c5dda","chunk_index":3,"chunk_sha256":"a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29","token_estimate":438,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"URLA, Section “2b. Other Assets and Credits You Have” is where details of the purchase credits for the\ntransaction are provided. In the loan application submission file, include the corresponding data points\nmapped to this section.\n\nThe total of the purchase credits in the transaction are found in the URLA Lender Loan Information\nSection “L4. Qualifying the Borrower” on line M. Other Credits. The lender does not include a total in\nthe loan application submission file. Fannie Mae will calculate the total of other credits in DU.\n\nThe enumeration “LotEquity” is not a valid enumeration for PurchaseCreditType and must be structured in\nthe XML using PurchaseCreditType = “Other” and PurchaseCreditTypeOtherDesciption =\n“LotEquity”.\n\nA single instance of a Purchase Credit record in the loan application file should include a valid\nPurchaseCreditType or a PurchaseCreditSourceType but not both.\n\nThe values “EmployerAffiliate”, “LenderAffiliate” and “OtherInterestedParty” are not valid values for\nPurchaseCreditSourceType and must be structured in the XML using PurchaseCreditSourceType =\n“Other” and PurchaseCreditSourceTypeOtherDescription.\n\n7. How is rental income for the purchase or refinance of a 2-4 unit property entered in the URLA\n\nand included in the loan application submission file?\n\nFor Purchase transactions where there is rental income related to the subject property, either investment or\na 2-4 unit primary residence, the amount of the expected (gross) monthly rental income is entered in\nsection “4c. Rental Income on the Property You Want to Purchase”. The lender will calculate the net\nmonthly rental income and included it in the loan application submission file in data point\nRentalEstimatedNetMonthlyRentAmount (UID 4.0075).\n"}
diff --git a/chunks/json/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.json b/chunks/json/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.json
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index 0000000000000000000000000000000000000000..c8383d9ad2d5d930b89bce381ce4d5580f0b6619
--- /dev/null
+++ b/chunks/json/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":446335,"char_start":444723,"chunk_id":"chk_c3a9b2a83095c8bd","chunk_index":264,"chunk_sha256":"a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Overall\n\nCooperative Information: Project Blanket Financing (Overall)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.026 Project Blanket\n\nFinancing\n\nRequired if the\nproperty is in a\ncooperative or condop\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the cooperative has mortgage financing that encompasses\nthe entire project.\n•\n•\n\nYes (the Project Blanket Financing table displays)\nNo (the Project Blanket Financing table does not display)\n\nAppendix F-1: URAR Reference Guide\n\nPage 189 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nCooperative Information: Project Blanket Financing (Overall)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.027 Pro Rata Share\n\nRequired if Project\nBlanket Financing is\nYes\n\nAllowable\nAnswers / Format\n\nPercent\n\nDefinition / Additional Guidance\n\nPro Rata Share (Percent): The percentage of blanket mortgage payments that\nare attributable to the subject unit.\nCalculated: Shares Attributable to Subject Property (18.024) / Shares Issued and\nOutstanding (18.023), rounded to 4 decimals.\n\nInformation For Each Lien\n\nIf there is more than one lien on the property, report them in the order of the lien position, starting with the\nfirst lien.\n\nCooperative Information: Project Blanket Financing (Repeats for Each Lien)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nFirst Lien\nSecond Lien\nThird Lien\nFourth Lien\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nUnpaid Principal\nBalance\n\nLine of Credit\n(Maximum:)\n\nLine of Credit\n(Drawn:)\n\nBalloon\nMortgage\n"}
diff --git a/chunks/json/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.json b/chunks/json/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.json
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index 0000000000000000000000000000000000000000..e4331c3395dffe5f4a73db0f81fbfe54c85deb5e
--- /dev/null
+++ b/chunks/json/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55117,"char_start":53803,"chunk_id":"chk_3befc67123f633a6","chunk_index":32,"chunk_sha256":"a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c","token_estimate":328,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nSignature\n\nAppraiser\nJohn P. Appraiser\nJohn P. Appraiser\n\n05/04/2023\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n1234ABCD\nTX\n12/31/2024\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.json b/chunks/json/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.json
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index 0000000000000000000000000000000000000000..01b44e3f746f41ade1dd5be16f9c05ee97ec99a0
--- /dev/null
+++ b/chunks/json/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":223536,"char_start":221933,"chunk_id":"chk_e3434919c3b8a7df","chunk_index":131,"chunk_sha256":"a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Label\n\nWhen to Include\n\nReport\nField ID\n\n6.014\n\nImpact to Value\n/ Marketability\n\nRequired if Known\nRenewable Energy\nComponents, Building\nCertifications, or\nEfficiency Ratings is\nYes\n\nIf Impact is Adverse, or\nif applicable\n\n6.015\n\nDescription\n\nAllowable\nAnswers / Format\n\nAdverse,\nBeneficial or\nNeutral\n\nDefinition / Additional Guidance\n\nNote: If the impact is unmeasurable, select Neutral and explain why in\nDescription.\n\nFree-form\n\nDescription of the impact on value and / or marketability.\n\nAppendix F-1: URAR Reference Guide\n\nPage 89 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n06 Energy Efficient and Green Features\n\nEnergy Efficient and Green Features Commentary\n\nReport\nField ID\n\n6.016\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nEnergy Efficient and Green Features Commentary\n\nEnergy Efficient\nand Green\nFeatures\nCommentary\n\nIf applicable\n\nFree-form\n\nCommentary could include information pertinent to the Energy Efficient and\nGreen Features section that is not captured in the discrete data, or additional\ndetails to support the discrete data that is provided.\n\nEnergy Efficient and Green Features Exhibits\n\nAll photos or images related to the Energy Efficient and Green Features section are displayed in the Energy\nEfficient and Green Features Exhibits subsection. If there are no photos or images, this subsection does not\ndisplay.\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nEnergy Efficient and Green Features Exhibits\n\nIf applicable\n\nPhotos or images\n"}
diff --git a/chunks/json/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.json b/chunks/json/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.json
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index 0000000000000000000000000000000000000000..02d7897738f29fc428961b0f2b5f92b473ac20c4
--- /dev/null
+++ b/chunks/json/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":87725,"char_start":86098,"chunk_id":"chk_e7f696b1a3c8362a","chunk_index":53,"chunk_sha256":"a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n57\n\nData PointsContainersLegend:Homeownership Education and Housing CounselingPARTYCOUNSELINGROLESBORROWERLEGAL_ENTITYROLECOUNSELING_EVENTSCOUNSELING_EVENTCounselingTypeCounselingConfirmationIndicatorCounselingFormatTypeCounselingCompletedDateFullNamePartyRoleIdentifierPartyRoleTypeCOUNSELING_EVENT_DETAILPARTY_ROLE_IDENTIFIERSPARTY_ROLE_IDENTIFIERROLE_DETAILLEGAL_ENTITY_DETAILINDIVIDUALFullNameNAME\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n58\n\nData PointsContainersLegend:Unmarried AddendumDEALSMESSAGEROLESROLEBORROWER_DETAILPARTIESDomesticRelationshipIndicatorDomesticRelationshipTypeDomesticRelationshipTypeOtherDescriptionDomesticRelationshipStateCodeDEALPARTYDEAL_SETSDEAL_SETBORROWER\n\nAppendix A\n\nGlossary of terms\n\nAUS\n\nAutomated Underwriting System\n\nDU\n\nDesktop Underwriter\n\nDUG\n\nDesktop Underwriter for Government Loans\n\nFHFA\n\nFederal Housing Finance Agency\n\nGSE\n\nLOS\n\nGovernment Sponsored Enterprise(s) (Fannie Mae and Freddie Mac)\n\nLoan Origination System\n\nMISMO Mortgage Industry Standards Maintenance Organization\n\nULAD\n\nUniform Loan Application Dataset (this term used throughout this document to refer to\nthe MISMO v3.4 dataset mapped to the redesigned URLA)\n\nUMDP\n\nUniform Mortgage Data Program\n\nURLA\n\nUniform Residential Loan Application (also known as the Fannie Mae redesigned Form\n1003)\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n59\n\nAppendix B\n\nUseful Links:\n\n• MISMO V3x General Information Guide:\n\no https://www.mismo.org/standards-resources/license-form/version-3-general-\n"}
diff --git a/chunks/json/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.json b/chunks/json/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.json
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index 0000000000000000000000000000000000000000..4a82a13d261354b25bb732393b99e423f0eb7905
--- /dev/null
+++ b/chunks/json/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":454114,"char_start":452256,"chunk_id":"chk_2902d73e5f9f42f5","chunk_index":257,"chunk_sha256":"a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Version 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nTable 142. Adjustable Rate Mortgage\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE\n\n20.4 |\n20.6 |\n4.2.3(1)\n\nLimits on Interest\nRate Changes -First\nChange\n\n20.6\n\n20.4 |\n4.2.3(1)\n\nChange Frequency\n\n…/INTEREST_RATE_A\nDJUSTMENT/INTERE\nST_RATE_PER_CHAN\nGE_ADJUSTMENT_R\nULES/INTEREST_RAT\nE_PER_CHANGE_ADJ\nUSTMENT_RULE\n\nAdjustmentRuleType First\n\nPerChangeMaximum\nIncreaseRatePercent\n\n2.0000\n\nPerChangeRateAdjus\ntmentFrequencyMon\nthsCount\n\n60\n\nSecond Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE\n\n20.5 |\n20.7\n\nSubsequent Change …/INTEREST_RATE_P\nER_CHANGE_ADJUST\nMENT_RULE\n\nAdjustmentRuleType Subsequent\n\n20.7\n\nLimits on Interest\nRate Changes\n\nPerChangeMaximum\nIncreaseRatePercent\n\n2.0000\n\n20.5 Change Frequency\n\nPerChangeRateAdjus\ntmentFrequencyMon\nthsCount\n\n36\n\nROF as “First\nChange”\n\nROF as “2%”\n\nRepresented as\n“Beginning of 61st\nMonth” on AIR Table\n\nROF as “Subsequent\nChange” for both\nChange Frequency\nand Limits\n\nROF as “2%”\n\nRepresented as\n“Every 36 months\nafter first change” on\nAIR Table\n\nEnd of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE Instances\n\n20.2 |\n4.2.1\n\nInitial Interest Rate …/LOAN/TERMS_OF_\n\nNoteRatePercent\n\n2.0000\n\nRepresented as “2%”\n\nLOAN\n\n3. MAPPI NG GUI DANCE\n\n20.1 IndexType has explicit enumerated values to cover most indices. However, if an index is not represented on\nthe enumerated list, the value of “Other” may be used. If using the enumeration “Other”, the data point\nIndexTypeOtherDescription must contain the name of the index. The index must be stated so that a consumer\ncan identify it. A common abbreviation or acronym of the name of the index may be disclosed if it is a commonly\nused public method of identification.\n"}
diff --git a/chunks/json/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.json b/chunks/json/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.json
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index 0000000000000000000000000000000000000000..feefa9da1d46cb26d0ede82cc527fe2851d23547
--- /dev/null
+++ b/chunks/json/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":429357,"char_start":427636,"chunk_id":"chk_8669716dd341e6e7","chunk_index":239,"chunk_sha256":"a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If any action the lender takes or fails to take in overseeing the renovation work affects Fannie Mae’s ability to acquire clear title to\nthe property, the lender may be required to repurchase the loan.\n\nThe lender must maintain a copy of all documentation that supports the renovation work, including plans and specifications, “as\ncompleted” appraisal, renovation contract, renovation loan agreement, Completion Report, title insurance endorsements or\nupdates, and any other related documentation in the loan file. For more information about the specialized legal documentation\nFannie Mae requires for a HomeStyle Renovation loan, see Selling Guide Subpart B8, Closing: Legal Documents.\n\nDelivery and Recourse Requirements\n\nA lender may deliver a HomeStyle Renovation loan as soon as it is closed; the renovation does not need to have been completed\nwhen the loan is delivered as long as the lender delivers that loan with recourse. If the borrower defaults under the terms of the\nloan before the work is completed, and that default continues for at least 120 days, the lender may be required to repurchase the\nloan. One of the following SFCs is required when the loan is delivered.\n\nIf the HomeStyle Renovation mortgage is\ndelivered…\n\nThen…\n\nAnd the lender must deliver…\n\n• when the renovation is not complete\n• when the renovation is complete\n• one or more ENERGY STAR-certified\n\nimprovements\n\n• other improvements eligible for\nHomeStyle Energy but does not\ninclude any ENERGY STAR-certified\nimprovements\n\nthe loan is delivered with recourse\n\n•\n• no recourse obligation applies\n•\nthe loan is also eligible for\nHomeStyle Energy and a $500\nLLPA credit\nthe loan is also eligible for\nHomeStyle Energy and a $500\nLLPA credit\n"}
diff --git a/chunks/json/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.json b/chunks/json/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.json
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index 0000000000000000000000000000000000000000..af7f0144f1713753869c173d40b7dd94f19567e4
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+++ b/chunks/json/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":242525,"char_start":241186,"chunk_id":"chk_35a384d4fd160287","chunk_index":141,"chunk_sha256":"a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n20\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee\nSimple).\n\nR\n\nR\n\nR\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nR\n\nR\n\nThis field is required if the value of field e-15\n(GSE Location Type) is 'Other'.\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 2-59 and fields (2-53, 2-\n55, 2-57, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-61 and fields (2-53, 2-\n55, 2-57, 2-59, 2-63, 2-65, 2-67, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 60 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n"}
diff --git a/chunks/json/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.json b/chunks/json/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.json
new file mode 100644
index 0000000000000000000000000000000000000000..07444bf0536aa6602e2c2e346ccd7ed999ed669e
--- /dev/null
+++ b/chunks/json/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":255098,"char_start":253493,"chunk_id":"chk_b8dc16d37db7d085","chunk_index":145,"chunk_sha256":"a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"12. PAYMENT INCREASE\n\nThe PaymentIncreaseIndicator = “true” only for ARMs.\n\nFigure 87. Rendering PaymentIncreaseIndicator on the CD.\n\nLoan Terms\n\n4.0\n\nCan this amount increase after closing?\n\n4.3 Monthly Principal & Interest\n\n4.3.2 YES\n\n4.3.3\n\n13. PREPAYMENT PENALTY\n\nThe GSEs do not purchase loans for which a charge is imposed for paying all or part of a loan’s principal before the date\n\non which the principal is due. Therefore, the value for PrepaymentPenaltyIndicator should always be “false”.\n\nUCD v2.0 Implementation Guide\n\n- 113 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nLoan Terms\n\n4.4 Prepayment Penalty\n\nFigure 88. Rendering PrepaymentPenaltyIndicator on the CD.\n\n4.0\n\nDoes the loan have these features?\n\n4.4.2 NO\n\n4.4.3\n\n14. SEASONAL PAYMENTS\n\nThe GSEs do not purchase loans with terms expressly providing that payments are not scheduled between regular,\nspecified periods (having seasonal payments). Therefore, the value for SeasonalPaymentFeatureIndicator should always be\n“false” and there is nothing to render on the CD.\n\n15. SUBORDINATE FINANCING\n\nThe CD does not capture details about subordinate financing except in two specific cases:\n\ni. When any of the proceeds of a junior lien are used to finance part of the purchase price.\n\nii.\n\nFor information purposes only, when the borrower has paid off a seller’s junior lien outside of closing as a\ncondition of the sale.\n\nFigure 89. Rendering TotalSubordinateFinancingAmount on the CD.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0.1\n"}
diff --git a/chunks/json/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.json b/chunks/json/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d90cf7dde4976d8353e1d5e3225a7e035dd734a
--- /dev/null
+++ b/chunks/json/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12912,"char_start":11211,"chunk_id":"chk_e041a54db4959c65","chunk_index":6,"chunk_sha256":"a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"FHFA News Release: [FHFA Issues New Payment Monitoring Report](/news/news-release/fhfa-issues-new-prepayment-monitoring-report) (05/22/2018)\n\n[FHFA Announces June 2019 Implementation of the New Uniform Mortgage-Backed Security](/news/news-release/fhfa-announces-june-2019-implementation-of-the-new-uniform-mortgage-backed-security) (03/28/2018)\n\nFHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (12/04/2017)\n\n[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-securitization-platform-december-2017) (12/04/2017)\n\n[Single Security Initiative Illustrative Implementation Schedule](/media/33576) (12/04/2017, updated May 2018)\n\n[SIFMA Single Security Webinar](/document/single-security-sifma-webinar) (10/04/2017)\n\n[*Freddie Mac and Fannie Mae Single Security Initiative Market Adoption Playbook*](/document/single-security-initiative-market-adoption-playbook) (09/06/2017, updated September 2018)\n\n[Submit input](/public-input) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu)\n\n[Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu)\n\n[Fannie Mae Single Security and Common Securitization Platform (CSP) Web page](https://www.fanniemae.com/newsroom/fannie-mae-news/statement-single-security-initiativecommon-securitization-platform-update-andrew-bon-salle)\n"}
diff --git a/chunks/json/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.json b/chunks/json/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.json
new file mode 100644
index 0000000000000000000000000000000000000000..e6cd0b90d3eef0a7ded1102269e84405d2d68d9e
--- /dev/null
+++ b/chunks/json/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":279698,"char_start":277952,"chunk_id":"chk_1be815d03ae31fc3","chunk_index":163,"chunk_sha256":"a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\n20\n\nString\n\nIf field 2-43 is populated, then this field\nshould be populated.\n\nT\n\nT\n\nT\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n1\n\nBoolean\n\nA value of 'Y' indicates the Positive box has been checked and the net\nadjustment is positive, a value of 'N' indicates the Negative box has been\nchecked and the net adjustment is negative.\n\nThe sum of this field 2-100 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n86, 2-88, 2-90, 2-92, 2-94, 2-96, 2-98) must\nadd up to Net Adjustment field 2-103.\n\nIf the value of field 2-103 (Sale Price Total\nAdjustment Amount) is non-zero, one and only\none of fields 2-101 or 2-102 values of (Sales\nPrice Total Adjustment Positive Indicator)\nshould be indicated.\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and\nassociated by Property Feature\nSequence Identifier.\n\nThe dollar amount of the adjustment\nmade for the property feature\ndescribed by Property Feature\nDescription. Property Feature Name,\nDescription and Adjustment are used\nto capture information about property\nfeatures.\n\nA free-form text field used to further\ndescribe a property feature named in\nProperty Feature Name and\nassociated by Property Feature\nSequence Identifier.\n\nThe dollar amount of the adjustment\nmade for the property feature\ndescribed by Property Feature\nDescription. Property Feature Name,\nDescription and Adjustment are used\nto capture information about property\nfeatures.\n"}
diff --git a/chunks/json/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.json b/chunks/json/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..b4fd487aa2460c48dd25916c8269f3d5badd0dc3
--- /dev/null
+++ b/chunks/json/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_f07a15510d4812b0","chunk_index":0,"chunk_sha256":"a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_16f7fbbebdfe6868","text_sha256":"a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_sqfqwc.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhlbank-system-at-100\"\ndate_accessed: \"2026-01-27T17:54:20.786Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.json b/chunks/json/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.json
new file mode 100644
index 0000000000000000000000000000000000000000..91a7223d443a54b0599d80e09fa43db503b2c4b1
--- /dev/null
+++ b/chunks/json/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":376104,"char_start":374473,"chunk_id":"chk_0a9b4667aaa92f61","chunk_index":209,"chunk_sha256":"a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb","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":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 149 of 166\n\nUAD 3.6 Policy\n\nThe following are ineligible for loans secured by manufactured housing:\n\n•\n\ninvestment properties,\n\n• manufactured homes located on leased land and subject to a ground lease, unless located in a Fannie Mae-approved\n\ncondo or PUD project, and\n\n• manufactured homes in co-op projects.\n\nManufactured Housing Standards\n\nThe loan must be secured by both the manufactured home and the borrower's interest in the land on which it is situated, and\nboth the manufactured home and the land must be legally classified as real property under applicable state law.\n\nNote: At the time of sale of the loan to Fannie Mae, the home must no longer be classified as personal property, and all steps\nrequired to classify the home as real property must have been completed.\n\nSee B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing, and Manufactured Housing\nProduct Matrix for additional information.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 150 of 166\n\nUAD 3.6 Policy\n\nSB5-2-03, Manufactured Housing Underwriting Requirements (12/10/2025)\n\nIntroduction\n\nThis topic contains information on manufactured housing underwriting considerations, including:\n\n• Underwriting and DU Requirements\n\n• Loan Amount\n\n• Down Payment Requirements\n\n• Trade Equity from the Borrower’s Existing Manufactured Home\n\n• Traded Manufactured Homes\n\n• Purchase Money Transactions\n\n• Limited Cash-Out Refinance Transactions\n\n• Cash-Out Refinance Transactions\n\n• New Construction of a Manufactured Home\n\n• Construction-to-Permanent Transactions\n"}
diff --git a/chunks/json/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.json b/chunks/json/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.json
new file mode 100644
index 0000000000000000000000000000000000000000..2457ee57d7571960fab97f37202680e00223c428
--- /dev/null
+++ b/chunks/json/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2814,"char_start":1644,"chunk_id":"chk_2d7e15171a11462e","chunk_index":1,"chunk_sha256":"a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f9e9a8ae150eb19b","text_sha256":"a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379","token_estimate":292,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-nov-15-2025.pdf"]},"text":"CHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lenders Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\nVA Circulars\n\nVA Loan Limits\n\nhttps://www.benefits.va.gov/HOMELOANS/resources_circulars.asp\n\nhttps://www.va.gov/housing-assistance/home-loans/loan-limits/\n\nVA Regional Loan Centers: Contact\nInformation\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\n© 2025 Fannie Mae.\n\n10.15.2025\n\n1 of 2\n\nFor More Information\n\nMore information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.\nAdditionally, lenders may contact their Single-Family Market Engagement Team, and mortgage brokers should contact their DO\nsponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers should contact\ntheir VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage brokers should\ncontact HUD at 1-800-CALL-FHA (1-800-225-5342).\n\n© 2025 Fannie Mae.\n\n10.15.25 2 of 2\n"}
diff --git a/chunks/json/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.json b/chunks/json/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.json
new file mode 100644
index 0000000000000000000000000000000000000000..d17c045482ba2276302aed630035026850ef6991
--- /dev/null
+++ b/chunks/json/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":987023,"char_start":985214,"chunk_id":"chk_094ed16c1cdb0cc3","chunk_index":588,"chunk_sha256":"a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Date/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• USPS two-letter state or territory representation\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nOne and only one of the fields 6-13, 6-14\n(Appraiser License Identifier and values of\nAppraiser License Type) is required unless\nthe value of field 6-15 is 'trainee'.\n\nOne and only one of the fields 6-13, 6-14\n(Appraiser License Identifier and values of\nAppraiser License Type) is required unless\nthe value of field 6-15 is 'trainee'.\n\nIf the word 'trainee' is present this field is\nrequired.\n\nThis field is required unless the value of\nfield (6-15) is 'trainee' and fields 6-13 and 6-\n14 are not populated.\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). Note: This data is referenced more than once on the\nform (fields 1-6, 3-11, 6-19) and must be represented consistently.\n\nThe following address elements should be included in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n\nUAD Requirement - See Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n·Address unit designator and number.\nThis data is referenced more than once on the form (fields 1-7, 3-12a, 6-20a), and must\nbe represented consistently.\n"}
diff --git a/chunks/json/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.json b/chunks/json/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5ed9b0a0e39dcc8d52ff541928391380d4e54d0
--- /dev/null
+++ b/chunks/json/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":749529,"char_start":747904,"chunk_id":"chk_67c700d3027eca4d","chunk_index":444,"chunk_sha256":"a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n'/@_NonPublicIndicator\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water\n']/@_NonPublicDescription\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_NonPublicIndicator\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\nProperty Off Site\nImprovement\nDescription\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement\nDescription\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nA free-form text field used to describe the\nproperty off-site improvement specified by\nProperty Off Site Improvement Feature\nType.\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n"}
diff --git a/chunks/json/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.json b/chunks/json/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.json
new file mode 100644
index 0000000000000000000000000000000000000000..a7343c898fce570643528ad7728bcc1813faefc3
--- /dev/null
+++ b/chunks/json/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19380,"char_start":17722,"chunk_id":"chk_dfeb87a3e3c01460","chunk_index":11,"chunk_sha256":"a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7","token_estimate":415,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Neighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nHeating\n\nUnit(s)\n\nBedrooms\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 4 photo\nwould display.\n\nThis is where the\nComparable 5 photo\nwould display.\n\nMLS HC9652147 |\nAssessor Record\n\nMLS HC74563455 |\nAssessor Record\n\n0.71 Miles E\n\n$362,500\n\nSettled Sale\n\n$360,000\n\n$0\n\n$0\n\n$0\n\nNo\n\n11/03/2023\n\n12/01/2023\n\n44\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\n$1,900\n\n01/31/2024\n\n03/01/2024\n\n52\n\nDetached\n\n15,000 Sq. Ft.\n\n14,500 Sq. Ft.\n\nHilltop Hills\n\nWoodland Hills\n\n$0\n\n$0\n\n14,750 Sq. Ft.\n\nWoodland Hills\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\n2018\n\n2018\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n2018\n\nForced Warm Air\n| Natural Gas\n\n0.67 Miles E\n\n$369,900\n\nSettled Sale\n\n$365,000\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 1\n\n$(3,000)\n\n1,260 Sq. Ft.\n\n1,240 Sq. Ft.\n\n$0\n\n1,278 Sq. Ft.\n\n$0\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nDeck\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\n$0\n\n$0\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 4 | Concrete\n\nDriveway | 2 | Concrete\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n"}
diff --git a/chunks/json/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.json b/chunks/json/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.json
new file mode 100644
index 0000000000000000000000000000000000000000..5f6ef176640ab603aacf53aa2b4ad64d858725a2
--- /dev/null
+++ b/chunks/json/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.json
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+{"chunk":{"char_end":6644,"char_start":6024,"chunk_id":"chk_41ca6ae553aa1d07","chunk_index":7,"chunk_sha256":"a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c","token_estimate":510,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information .................................................................................................................................................................. 17\n\nContact Information ................................................................................................................................................................................................... 21\n\nAssignment Information and Scope of Work Commentary ....................................................................................................................................... 34\n"}
diff --git a/chunks/json/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.json b/chunks/json/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.json
new file mode 100644
index 0000000000000000000000000000000000000000..9f33976fc371f5cad4b61a5224e8a5f1be1928cf
--- /dev/null
+++ b/chunks/json/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":322641,"char_start":321035,"chunk_id":"chk_badbedfdee2d4194","chunk_index":177,"chunk_sha256":"a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: The lender may not exercise a value acceptance offer if an appraisal is obtained for the transaction.\n\nSee Selling Guide B5-7-02, High LTV Refinance Underwriting, Documentation, and Collateral Requirements for the New Loan for\nadditional information about high LTV refinance value acceptance.\n\nRepresentations and Warranties\n\nWhen a loan casefile is eligible for value acceptance and the offer is exercised by the lender, Fannie Mae accepts the value\nestimate submitted by the lender as the value for the subject property. See Selling Guide A2-2-06, Representations and Warranties\non Property Value for more information.\n\nRural High-Needs Value Acceptance\n\nIn selected rural high-needs areas, Fannie Mae may offer value acceptance through DU for certain transactions. This value\nacceptance offer may be combined with other loan products, such as HomeReady.\n\nThe rural high-needs value acceptance offer will be considered for the following transactions only:\n\n• DU loan casefiles that receive an Approve/Eligible recommendation;\n• purchase transactions;\n• one-unit principal residence properties (excluding manufactured homes);\n• borrowers with income at or below 100% of the area median income; and\n•\n\nLTV ratios up to 97% and CLTV ratios up to 105% with a Community Seconds.\n\nThe following are ineligible for rural high-needs value acceptance:\n\n•\n•\n•\n\ncash-out or limited cash-out refinances;\nsecond homes and investment properties; and\nall other transactions that are ineligible for value acceptance as listed above.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 122 of 166\n\nUAD 3.6 Policy\n"}
diff --git a/chunks/json/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.json b/chunks/json/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.json
new file mode 100644
index 0000000000000000000000000000000000000000..b2d0d9b36f507de061c1fd2c7373c5042cc09972
--- /dev/null
+++ b/chunks/json/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":367870,"char_start":366164,"chunk_id":"chk_69352e9e83efe74c","chunk_index":204,"chunk_sha256":"a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Streamlined PERS Submission Process—For Established Projects\n\nThe streamlined sb4-2. submission process for established condo projects is as follows:\n\nStep\n\nAction\n\n1.\n\nThe lender performs a basic review to determine if the project satisfies all applicable Fannie Mae project\neligibility and underwriting requirements prior to submission to PERS.\n\nThe lender completes a project submission package, which includes:\n\n2.\n\nApplication for Approval of Established Project (Form 1091).\n\n•\n• Condominium Project Questionnaire (Form 1076), or a substantially similar form, completed within\n\nthe past 180 days.\n\n• An appraisal report for a representative unit in the project meeting the following requirements:\n\no The effective date of the appraisal report must be within 120 days of the PERS application.\no The appraisal report must include photographs of the project, including:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 144 of 166\n\nUAD 3.6 Policy\n\nStep\n\nAction\n\nthe entire front of the building where the representative unit is located,\n\nrecreational amenities,\n\n▪\n▪ private streets,\n▪\n▪ parking,\n▪\n▪\n\ncommercial space, and\ncommon areas.\n\n• Current fiscal year’s approved operating budget reflects homeowners’ association income and\n\nexpenses.\n\n• Reserve study completed within the past 24 months (only required for projects that are not funding a\nminimum of a 10% dedicated expense allocation in the budget to a replacement reserve for the\nfuture repair/replacement of the project’s major components).\n\nThe lender submits the complete project package, including all relevant supporting documentation, via email\nusing the PERS Project Submission mailbox. See Selling Guide E-1-02, List of Contacts.\n"}
diff --git a/chunks/json/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.json b/chunks/json/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.json
new file mode 100644
index 0000000000000000000000000000000000000000..ec2d67c524423ad5e9e9e06eaf8aa3e6a7aaf441
--- /dev/null
+++ b/chunks/json/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":354380,"char_start":352585,"chunk_id":"chk_f677165651b974c2","chunk_index":196,"chunk_sha256":"a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Full Review for New Projects\n\nMust have been completed within 180 days prior to the\nnote date\n\nApproved by Fannie Mae as reflected in CPM\n\nMust be valid (unexpired) as of the note date\n\nApproved by FHA\n\nMust be valid (unexpired) as of the note date\n\nLoans must be delivered to Fannie Mae within 120 days following the note date. When the elapsed time between note date and\ndelivery date exceeds this limit, the lender may deliver the loan only if the project continues to meet Fannie Mae project eligibility\nrequirements at the time of delivery.\n\nLoans secured by units in a project that fails to meet Fannie Mae’s project eligibility requirements under the applicable review\ntype as of the note date are eligible for delivery after the project comes into compliance with the eligibility requirements\n(provided all standard mortgage seasoning and other applicable requirements are met). For example, if a lender closes a loan in a\nnew project for which the pre-sales are less than the pre-sale requirement, the lender may deliver the loan after the project’s pre-\nsales meet the Fannie Mae requirement (assuming the loan meets all other applicable requirements).\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 137 of 166\n\nUAD 3.6 Policy\n\nSB4-2.2-06, Project Eligibility Review Service (PERS) (12/10/2025)\n\nIntroduction\n\nThis topic contains information on Fannie Mae's Project Eligibility Review Service (PERS), including:\n\nStandard PERS Submission Process\n\n• Overview\n•\n• Required Forms for Standard PERS Submission\n• Additional Requirements—For Newly Converted Non-Gut Rehabilitation Condo or Co-op Projects\n• Additional Requirements - For Condo and PUD Projects Comprised of Manufactured Homes\n•\n• Approval Designations\n• Availability of Project Information\n• Decision Expiration Dates\n"}
diff --git a/chunks/json/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.json b/chunks/json/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.json
new file mode 100644
index 0000000000000000000000000000000000000000..acdb30b1fea2198c7aaa2aee33a7f3a055fb3f23
--- /dev/null
+++ b/chunks/json/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":133161,"char_start":131380,"chunk_id":"chk_cde9529d3cf17f5f","chunk_index":58,"chunk_sha256":"a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"document-specific IntegratedDisclosuresLoanProductDescription. This string field allows the flexibility\nfor compliance with specifications for Product set by the Regulation. However, for receiving systems to\nreadily identify a loan’s amortization type, the GSEs also require AmortizationType with discrete\nenumerations. See 3. To Support Data Clarity\n\nb. See V. Consolidated Mapping Guidance entry for document specific data.\n\n3. 4 LOAN TYPE\n\nLoan Type is indicated with a checked box next to one of the following values: Conventional, FHA, VA, or\n“_______”. If the blank box is checked, the loan type is written in.\n\n3.0 Loan Information\n\nAppendix E: UCD Implementation Guide\n\nPage 53 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n3.0 Loan Information\n\n3.3 Product\n\n5/3 Adjustable Rate\n\n3.4 Loan Type  Conventional  FHA\n\n VA _______________\n\n3.5 Loan ID# 123456789\n\nFigure 23. Loan Type\n\n1. CONVENTI ONAL, FHA, OR VA\n\nLoan Types of “Conventional,” “FHA” or “VA” are provided in the UCD file per Table 37:\n\nTable 37. Loan Type = “Conventional,” “FHA,” or “VA”\n\nID\n\nForm Field\nName\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO\nv3.3.0 Value\n\nNotes\n\n3.4\n\nLoan Type …/LOAN/TERMS_OF_LOAN\n\nMortgageType\n\nConventional ROF as  Conventional\n\n2. OTHER\n\nIf the Loan Type box next to the blank is checked a short description must be provided. The data may be\nrepresented in one of two ways in the XML file.\n\na. OTHER LOAN TYPE MAPS TO MORTGAGE TYPE ENUMERATION\n\nIf the loan is guaranteed or insured by a state or local jurisdiction, USDA’s Department of Rural Development, or\nHUD’s Department of Public and Indian Housing, use the applicable MortgageType enumeration to support\nthem: (“StateAgency”, “LocalAgency”, “USDARuralDevelopment”, or “PublicAndIndianHousing”).\n"}
diff --git a/chunks/json/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.json b/chunks/json/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.json
new file mode 100644
index 0000000000000000000000000000000000000000..6e91476ed502349b25a08c00cd063c4841d3fb82
--- /dev/null
+++ b/chunks/json/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":406038,"char_start":404345,"chunk_id":"chk_055abc5a2ab70c90","chunk_index":240,"chunk_sha256":"a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da","token_estimate":423,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The display of this section varies depending on the number of dwellings and units and whether the homeowner\nis responsible for exterior maintenance.\n\nExample 1: Single-Family Property\n\n• 1 unit\n• Homeowner is responsible for exterior maintenance (Exterior Quality and Exterior Condition are applicable)\n\nExample 2: High-rise Condo\n\n• 1 unit\n• Homeowner is not responsible for exterior maintenance (Exterior Quality and Exterior Condition are not\n\napplicable)\n\nAppendix F-1: URAR Reference Guide\n\nPage 172 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n15 Overall Quality and Condition\n\nExample 3: Multiple Dwellings / Multiple Units\n\n• Three units in two separate buildings (dwellings)\n\n• Exterior Quality and Exterior Condition are displayed for each dwelling\n•\nInterior Quality and Interior Condition are displayed for each unit\n\nOverall Quality and Condition\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n15.000 Overall Quality\n\nAlways required\n\n15.005 Overall\n\nAlways required\n\nQ1 to Q6\n\nC1 to C6\n\nThe overall quality rating of all dwellings on the property.\n\nThe overall condition rating of all dwellings on the property.\n\nCondition\n\nNote: Reflects the condition as if any required repairs, inspections, or\ncompletions have been satisfactorily completed.\n\nExterior Quality and Condition\n\nIf applicable, Exterior Quality and Condition ratings are redisplayed from the Dwelling Exterior section(s) to give\ncontext to the Overall Quality and Condition ratings.\n\nIf the field Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is No, Exterior Quality and\nCondition is not applicable and does not display.\n"}
diff --git a/chunks/json/a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c.json b/chunks/json/a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c.json
new file mode 100644
index 0000000000000000000000000000000000000000..3371bc7352d94b8199384a44be655a1bdc4096bb
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+{"chunk":{"char_end":74700,"char_start":73493,"chunk_id":"chk_a38c3ad963f4f068","chunk_index":40,"chunk_sha256":"a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c","token_estimate":414,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41193\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00055 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n2\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\n41194\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00056 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n3\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41195\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00057 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n4\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\n41196\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00058 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n"}
diff --git a/chunks/json/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.json b/chunks/json/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.json
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+++ b/chunks/json/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.json
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+{"chunk":{"char_end":457015,"char_start":454786,"chunk_id":"chk_382839960fd9f277","chunk_index":255,"chunk_sha256":"a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6","token_estimate":557,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Royalty Payment Income\n\n•\n\n•\n\n•\n\nSchedule K-1 Income\n\nTrust Income\n\nVA Benefits Income\n\nAsset Type\n\n• Checking Accounts\n\n•\n\nSavings Accounts\n\n• Certificates of Deposit\n\n• Money Mark Accounts\n\n•\n\nStocks, Bonds, Mutual Funds\n\n• Retirement Accounts\n\n•\n\n•\n\nTrust Accounts\n\nSecured Borrowed Funds\n\n• Grants (Hardest Hit Fund)\n\n• Gifts\n\none month bank statement reflecting direct deposit.\n\nOne recent statement (monthly, quarterly, or annual) showing\nasset balance.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 187 of 166\n\nUAD 3.6 Policy\n\nSB8-2-02, Special-Purpose Security Instruments (12/10/2025)\n\nIntroduction\n\nThis topic contains general information on special-purpose security instruments, including:\n\n• General Information\n\n• Consolidated New York Mortgages\n\n• Puerto Rico Direct Mortgage Instruments\n\n• Security Instruments for Manufactured Home Mortgages\n\nGeneral Information\n\nFannie Mae sometimes allows special-purpose alternative documents to be used in lieu of (or in addition to) the typical\nsecurity instruments. These documents can be found on Fannie Mae's Legal Documents website. Authorized changes that\nmust or may be made to those documents are set out in the instructions that accompany each document. These instruments\nmust be supported by the appropriate mortgage riders, rider addenda, mortgage assignments, and, if applicable, other\nproduct-specific documentation (see B8-4, Riders and Addenda , and B8-6, Mortgage Assignments ).\n\nConsolidated New York Mortgages\n\nThe statutory provisions of New York permit refinance mortgages (and sometimes purchase money mortgages) to be\ndocumented by a consolidation, extension, and modification agreement (CEMA) that consolidates into one document the\nterms of prior notes and mortgages related to the security property and, if new funds are advanced, the terms of a new note\nand mortgage. In such instances, the consolidation must be documented on Fannie Mae’s standard Consolidation, Extension\nand Modification Agreement (Form 3172), along with any accompanying exhibits Fannie Mae may specify. If new funds are\nadvanced, Fannie Mae’s standard security instrument must be used to document the new mortgage that is being\nconsolidated with the prior mortgages.\n"}
diff --git a/chunks/json/a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2.json b/chunks/json/a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2.json
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+{"chunk":{"char_end":769309,"char_start":767701,"chunk_id":"chk_cc797eb3ad8e5f44","chunk_index":456,"chunk_sha256":"a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Specifies the physical status of the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType=\n'UnderConstruction']\n\nPROJECT\nINFORMATION\n\nProject\nYear Built\n\nGSE Year Built\nEstimation Indicator\n\nIndicates that the Year Built is estimated.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE\nNSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN\nFORMATION/@GSEYearBuiltEstimationIndicator\n\n144\n\nPROJECT\nINFORMATION\n\nYear Built\n\nProperty Structure\nBuilt Year\n\nThe year in which the dwelling on the\nproperty was completed.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructureBui\nltYear\n\n145\n\n146\n\n147\n\nPROJECT\nINFORMATION\n\nEffective Age\n\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\n\nProject\nExterior Walls\nProject\nRoof Surface\n\nGSE Effective Age\nDescription\n\nProvide the effective age of the subject\nproperty, that can be represented as a\nsingle number or range.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_ANAL\nYSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANALYSIS_E\nXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA/EFF\nECTIVE_AGE/@GSEEffectiveAgeDescription\n\nExterior Feature\nDescription\nExterior Feature\nDescription\n\nA free-form text field used to describe the\nexterior feature.\nA free-form text field used to describe the\nexterior feature.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR\nE[@_Type='Walls']/@_Description\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR\nE[@_Type='RoofSurface']/@_Description\n"}
diff --git a/chunks/json/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.json b/chunks/json/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.json
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+++ b/chunks/json/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.json
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+{"chunk":{"char_end":177471,"char_start":175861,"chunk_id":"chk_9c825f4ebefcde91","chunk_index":103,"chunk_sha256":"a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\n•\n\nViews must be reported and analyzed based on what is readily visible\nfrom the property dwelling or unit(s). For high-rise, mid-rise and low-rise\nproperties, the view is reported at the unit level.\nPhoto(s) must be provided of all views that impact value or marketability,\nwhich display in Site Exhibits with the caption “View”. An additional\ncaption must be provided, including the view type and any other\ndescriptive information as appropriate.\n\n4.039\n\nView (Primary)\n\nAlways required for\neach view\n\nYes | No\n\nIndicates whether the view is the primary view.\n•\n\nSelect Yes for the view with most impact, and if there is more than one\nview, “(Primary)” displays next to the view.\n\n4.040\n\nRange of View\n\nAlways required for\neach view\n\nChoose an\nallowable answer\nfrom table (Range\nof View)\n\nThe extent of the view. The range of each view must be described based on the\nview from the property dwelling or unit(s).\n•\n•\n•\n•\n\nFull\nPartial\nSeasonal\nOther (Describe)\n\n4.041\n\nImpact\n\nAlways required for\neach view\n\n4.042\n\nView\nCommentary\n\nIf relevant\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-from\n\nOverall commentary for all views\n•\n•\n\nDetails captured above that require additional support.\nInformation pertinent to views impacting value and /or marketability that\nis not captured in the details above.\n\nAppendix F-1: URAR Reference Guide\n\nPage 69 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nRange of View (Choose one for each View)\n\nFull\n\nPartial\n\nSeasonal\n\nA generally unobstructed view.\n\nA significantly obstructed or limited view.\n"}
diff --git a/chunks/json/a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71.json b/chunks/json/a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71.json
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+{"chunk":{"char_end":328813,"char_start":327083,"chunk_id":"chk_1afaa0c82294347b","chunk_index":194,"chunk_sha256":"a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71","token_estimate":433,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\n10.043 Overall Update\n\nAlways required\n\nStatus for\nBathrooms\n\nUnit Interior: Overall Update Status for Bathrooms\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Overall\nUpdate Status for\nBathrooms)\n\nDefinition / Additional Guidance\n\nBased on the appraiser’s analysis and determination considering the overall\nlevel of updating, the update status of all bathroom(s) in aggregate.\n•\nFully Updated\n•\nSignificantly Updated\n• Moderately Updated\n•\nNot Updated\n\nAllowable Answer\n\nFully Updated\n\nSignificantly Updated\n\nModerately Updated\n\nOverall Update Status for Bathrooms (Choose one for the unit)\n\nDefinition / Additional Guidance\n\nThe bathroom(s) and all elements are completely modernized, renovated, refinished, or remodeled and in like new\ncondition. Note: This includes gut rehabs, new additions, or new construction.\n\nThe majority of the bathroom(s) or the main elements, (e.g., flooring, cabinetry, fixtures) appear to have been updated.\nHowever, not all bathrooms or main elements are fully updated.\n\nThe bathroom(s) contain minor updates and minimum modernization with only some of the main elements appearing to\nhave been updated.\nNote: If the unit has one or more bathrooms that are all Partially Updated, choose this answer.\n\nNot Updated\n\nNo modernization and no renovation, refinishing, or remodeling to the bathroom(s); or any updates that have been made\nwere completed in a timeframe that renders their impact negligible.\n\nInterior Features\n\nThe Interior Features table provides specifics about the Interior Quality and Condition ratings, which ultimately\nsupport the Overall Quality and Condition ratings. It includes a row for each of the following:\n"}
diff --git a/chunks/json/a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017.json b/chunks/json/a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017.json
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+{"chunk":{"char_end":135842,"char_start":134012,"chunk_id":"chk_c3f39427ca69a22b","chunk_index":78,"chunk_sha256":"a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017","token_estimate":458,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 52 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOwnership Rights\n\n03 Subject Property\n\nReport\nField ID\n\n3.027\n\n3.028\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Property: Ownership Rights\n\nAll Rights\nIncluded in\nAppraisal\n\nRights Not\nIncluded\n\nRequired if Site Owned\nin Common is No\n\nRequired if All Rights\nIncluded in Appraisal is\nNo\n\nYes | No\n\nIndicates whether all ownership rights are being included in the appraisal.\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nOwnership rights that are not being included in the appraisal.\n•\nAir Rights\n• Mineral Rights\n•\nTimber Rights\n• Water Rights\n•\n\nOther (Describe)\n\n3.029 Mineral Rights\nLeased\n\nYes | No\n\nRequired for FHA,\nUSDA, and VA\nappraisals when\nmineral rights are\nincluded\n\n3.030\n\nDescription of\nRights Not\nIncluded\n\nRequired if All Rights\nIncluded in Appraisal is\nNo\n\nFree-form\n\nLegal Description\n\nIndicates whether mineral rights for the subject property are subject to a lease\nagreement.\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nProvide a description of ownership rights that are not included in the appraisal,\nincluding the impact to value and / or marketability.\n\nReport\nField ID\n\n3.031\n\nSee\niGuide\n\nSubject Property: Legal Description\n\nReport Label\n\nWhen to Include\n\nLegal\nDescription\n\nAlways required\n\nAllowable\nAnswers / Format\n\nFree-form or\nimage\n\nDefinition / Additional Guidance\n\nDescription of all parcels being valued in the appraisal.\n\nProvide one Legal Description for the entire property, including all parcels. It\nmay be provided as text or as an image, such as in cases where the Legal\nDescription is lengthy. A caption may be provided to further identify the image.\n"}
diff --git a/chunks/json/a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe.json b/chunks/json/a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe.json
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+{"chunk":{"char_end":387882,"char_start":386285,"chunk_id":"chk_960de353ed97543b","chunk_index":223,"chunk_sha256":"a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nRoof\n\nLocation\nSection of Roof\n\nDescription\nRoof is significantly worn and has damaged\nflashing, but no apparent active leaks.\n\nAffects Soundness or\nStructural Integrity\nYes\n\nRecommended\nAction\nRepair\n\nDwelling Exterior Commentary\n\nCondition Status is reflective of noted repair having been completed.\n\nDwelling Exterior Exhibits\n\nDwelling Front\n\nDwelling Rear\n\nThis is where the Dwelling Front photo would display.\n\nThis is where the Dwelling Rear photo would display.\n\nApparent Defects, Damages, Deficiencies -\nRoof - Damaged Flashing\n\nThis is where the Roof Defect 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 7 of 21\nPage 7 of 21\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\nBelow Grade Finish Compared\nto Above\n\n3,002 Sq. Ft.\n0 Sq. Ft.\n1,300 Sq. Ft.\n230 Sq. Ft.\nPhysical Measurement\n\nSimilar\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nPartially Below Grade\nInterior and Exterior Access\nWalk Out\n\nFinish\nFinished\n\nLevel 1\n\nAbove Grade\n\nUnfinished\n\nFinished\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\nOwner\n5\n3\n1\n\nArea\n1,300 Sq. Ft.\n\n230 Sq. Ft.\n\n1,470 Sq. Ft.\n\nRoom Summary\n1 - Bath - Half\n1 - Media Room\n1 - Recreation Room\n1 - Wet Bar\n"}
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+++ b/chunks/json/a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3.json
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+{"chunk":{"char_end":1258147,"char_start":1256541,"chunk_id":"chk_2720aadb0fff926b","chunk_index":746,"chunk_sha256":"a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 3-53\n(Project Conversion Indicator = 'Y') is\nindicated.\n\nIf field 3-42 (Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields 1-\n132, 1-133 (Attachment Type = 'Attached' or\n'SemiDetached') are indicated then one and only\none of fields 3-56, 3-57 (values of Project\nContains Multiple Dwelling Units Indicator)\nshould be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 206 of 211\n\nDocument Version 1.4\n\nSort\nID\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\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n436\n\n3\n\n57\n\nPROJECT\nINFORMATION\n\nPUD\nDoes the project contain any\nmulti-dwelling units?\nNo\n\nProject Contains\nMultiple Dwelling\nUnits Indicator\n\nIndicates that the project contains\nmultiple dwelling-units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ContainsMultiple\nDwellingUnitsIndicator=‘N’]\n\n1\n\nBoolean\n\n437\n\n3\n\n58\n\nPROJECT\nINFORMATION\n\nPUD\nMulti-Dwelling Unit\nData source(s)\n\nProject Contains\nMultiple Dwelling\nUnits Data Source\nDescription\n\nA free-form text field used to describe the\nsource of the information used to set the\nProject Contains Multiple Dwelling Units\nIndicator.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ContainsMultiple\nDwellingUnitsDataSourceDescription\n\n100\n\nString\n\n438\n\n3\n\n59\n\nPROJECT\nINFORMATION\n\nPUD\nAre the units, common elements,\nand recreation facilities\ncomplete?\nYes\n\nProject Common\nElements Completed\nIndicator\n"}
diff --git a/chunks/json/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.json b/chunks/json/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..b1b195ff54eec41d11adaca0c3b2df5655efb02e
--- /dev/null
+++ b/chunks/json/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":379174,"char_start":377378,"chunk_id":"chk_7d00c15dfa4f491c","chunk_index":224,"chunk_sha256":"a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4","token_estimate":449,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Vehicle storage can be:\n• A driveway or shared driveway\n• An attached or detached carport\n• Part of a dwelling, such as a built-in or attached garage\n• A detached garage. Reference Appendix 4: Detached Garage Examples for additional information and\n\nexamples.\n\n• A shared parking garage, common carport, or open lot in a condominium, cooperative, condop, or PUD (with\n\nor without assigned spaces)\n\nVehicle Storage for the Property\n\nThe appraiser must report on each vehicle storage for the property.\n\nVehicle Storage\n\nReport\nField ID\n\n13.000\n13.001\n\nReport Label\n\nWhen to Include\n\nStorage\n\nAlways required for\neach vehicle storage\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Vehicle\nStorage Type)\n\nDefinition / Additional Guidance\n\nVehicle Storage Type\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNone 13.000\nCarport\nCommon Carport\nDriveway\nGarage\nOpen Lot\nParking Garage\nShared Driveway\nOther (Describe)\n\nNotes:\n•\n\n•\n\nPhotos or images for each Vehicle Storage Type may be provided, which\ndisplay in Vehicle Storage Exhibits with the Vehicle Storage Type(s). An\nadditional caption may be provided to further identify the photo.\nAdditional photos such as the interior of the garage would display in\nVehicle Storage Exhibits with the Vehicle Storage Type.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nVehicle Storage Type\n\nNone\n\nCarport\n\nSelect this answer if the property does not have any available vehicle storage.\nNote: If this answer is selected, “None” displays (13.000), and the Vehicle Storage table (13.001-13.003) does not display.\n\nA covered structure that offers limited vehicular protection with two or fewer walls. It may be free standing or attached to\na structure and is available for use only by the subject property (e.g., single-family or 2- to 4-unit property).\n"}
diff --git a/chunks/json/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.json b/chunks/json/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.json
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index 0000000000000000000000000000000000000000..6b6790695ca093331e72d50f9ea5acf3e6d31365
--- /dev/null
+++ b/chunks/json/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":263835,"char_start":262212,"chunk_id":"chk_84ee91d6e8bad142","chunk_index":235,"chunk_sha256":"a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055)\n\n• When false, display “None”.\n• When true, display static text in italics (FID: 10.055), “The items listed below represent the As Is condition as of the effective date of\nthis report” and the table displays with the following required data for each apparent defect, damage, deficiency. (Figure 10 - 13)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 194\n\nReport\nField ID\n\nReport Label\n\n10.056\n\nFeature\n\n10.057\n\nLocation\n\n10.058\n\nDescription\n\nUnit Interior – Apparent Defects, Damages, Deficiencies\n\nUnique ID\n\nMISMO Data Point/Attribute Name\n\nDisplay Rules\n\n3900.0130\n\nDefectComponentLabelType\n\n3900.0135\n\nDefectItemLocationType\n\n3900.0133\n\nDefectItemDescription\n\nDisplay when UnitInteriorDefectsExistIndicator = “true”\n\n10.059\n\nAffects Soundness or Structural\nIntegrity\n\n3900.0132\n\nDefectItemAffectsSoundnessStructuralIntegrityIndic\nator\n\n10.060\n\nRecommended Action\n\n3900.0136\n\nDefectItemRecommendedActionType\n\nFigure 10 - 13\n\nAn arcrole is required for each apparent defect, damage, or deficiency identified in the interior of the unit from DEFECT_n to\nPROPERTY_UNIT_n. (See Arcrole Relationships - Unit Interior)\n\nUnit Interior Commentary\n\nThe Unit Interior Commentary subsection displays only when comments are provided. Any commentary must use\nUnitValuationCommentText (UID: 0700.0115, FID: 10.061)\n\nUnit Interior Exhibits\n\nThe Unit Interior Exhibits subsection displays when images are provided. All text must display above the image in bold font.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nLevel and Room Detail/Kitchen and Bathroom Details\n"}
diff --git a/chunks/json/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.json b/chunks/json/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.json
new file mode 100644
index 0000000000000000000000000000000000000000..c21b3c07559a2f70d5912253c191bc2b9b2108ce
--- /dev/null
+++ b/chunks/json/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":204544,"char_start":202935,"chunk_id":"chk_78c8aee3826614b6","chunk_index":114,"chunk_sha256":"a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</ESCROW_ITEM_DETAIL>\n <ESCROW_ITEM_PAYMENTS>\n <ESCROW_ITEM_PAYMENT>\n\n<EscrowItemActualPaymentAmount>201.66</EscrowItemActualPaymentAmount>\n<EscrowItemPaymentPaidByType>Buyer</EscrowItemPaymentPaidByType>\n\n</ESCROW_ITEM_PAYMENT>\n </ESCROW_ITEM_PAYMENTS>\n\n</ESCROW_ITEM>\n <ESCROW_ITEM>\n\n<ESCROW_ITEM_DETAIL>\n\n<EscrowCollectedNumberOfMonthsCount>2</EscrowCollectedNumberOfMonthsCount>\n <EscrowItemType>CountyPropertyTax</EscrowItemType>\n <EscrowMonthlyPaymentAmount>105.30</EscrowMonthlyPaymentAmount>\n <FeePaidToType>ThirdPartyProvider</FeePaidToType>\n <IntegratedDisclosureSectionType>InitialEscrowPaymentAtClosing</IntegratedDisclosureSectionType>\n\n</ESCROW_ITEM_DETAIL>\n <ESCROW_ITEM_PAYMENTS>\n <ESCROW_ITEM_PAYMENT>\n\n<EscrowItemActualPaymentAmount>210.60</EscrowItemActualPaymentAmount>\n\n<EscrowItemPaymentPaidByType>Seller</EscrowItemPaymentPaidByType>\n\n</ESCROW_ITEM_PAYMENT>\n </ESCROW_ITEM_PAYMENTS>\n </ESCROW_ITEM>\n <ESCROW_ITEM>\n\n<ESCROW_ITEM_DETAIL>\n\n<EscrowCollectedNumberOfMonthsCount>4</EscrowCollectedNumberOfMonthsCount>\n <EscrowItemType>CondominiumAssociationDues</EscrowItemType>\n <EscrowMonthlyPaymentAmount>50.00</EscrowMonthlyPaymentAmount>\n <FeePaidToType>ThirdPartyProvider</FeePaidToType>\n <IntegratedDisclosureSectionType>InitialEscrowPaymentAtClosing</IntegratedDisclosureSectionType>\n <RegulationZPointsAndFeesIndicator>false</RegulationZPointsAndFeesIndicator>\n\n</ESCROW_ITEM_DETAIL>\n <ESCROW_ITEM_PAYMENTS>\n\nUCD v2.0 Implementation Guide\n\n- 88 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 65. XML Snippet-Escrow Items Paid at Closing.\n"}
diff --git a/chunks/json/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.json b/chunks/json/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.json
new file mode 100644
index 0000000000000000000000000000000000000000..f007ee34ae89c79a9502f53395be4715fd30eed7
--- /dev/null
+++ b/chunks/json/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33490,"char_start":33445,"chunk_id":"chk_bc2ae5dd525394f4","chunk_index":19,"chunk_sha256":"a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7","token_estimate":11,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf","below_target_min_tokens"]},"text":"Page 6 of 6\n\nFannie Mae Form 1073 March 2005\n"}
diff --git a/chunks/json/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.json b/chunks/json/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.json
new file mode 100644
index 0000000000000000000000000000000000000000..0c1b706740ac864d7dda3807c50f3496cb2edce8
--- /dev/null
+++ b/chunks/json/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26200,"char_start":24587,"chunk_id":"chk_7eadf88997d0b78d","chunk_index":15,"chunk_sha256":"a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Market Exhibits\n\nAbsorption Rate\n\nThis is where the Absorption Rate graph would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 22\nPage 14 of 22\n\nMarket (continued)\n\nMedian Days on Market\n\nPrice Trend\n\nThis is where the Median Days on Market graph would display.\n\nThis is where the Price Trend graph would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nListing ID\nXYZ 0387300\n\nStart Date\n06/20/2019\n\nEnd Date\n09/08/2019\n\nDOM\n79\n\nTotal DOM 79\n\nStarting\nList Price\n$825,000\n\nCurrent or\nFinal List Price\n$799,900\n\nAnalysis of Subject Property Listing History Subject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On\nJuly 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below\nthe original list price and within 5% of the final list price.\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$765,000\n08/20/2019\nTypically Motivated\nNo\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 22\nPage 15 of 22\n"}
diff --git a/chunks/json/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.json b/chunks/json/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.json
new file mode 100644
index 0000000000000000000000000000000000000000..f161ebf491530018dbfd5cf3d13932f895b3cc1b
--- /dev/null
+++ b/chunks/json/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":560828,"char_start":559207,"chunk_id":"chk_be1c555c7908567a","chunk_index":333,"chunk_sha256":"a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Energy Efficient and\nGreen Features\n•\n\nEfficiency Rating\nScore 6.013\n\nNo\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nNo\n\nKnown Efficiency Ratings\nIndicates whether the property has obtained an efficiency rating that is\nknown to the appraiser.\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nNo\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nNo\n\nWhen included, provides support for the Energy Efficient and Green\nFeatures adjustment (22.06.04).\n\nAppendix F-1: URAR Reference Guide\n\nPage 245 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nUnit(s)\n\nThe Unit(s) subsection always displays on the sales comparison grid. For properties with more than one unit, or for properties with ADU(s), the\nsubsection repeats for each unit and for each ADU.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Unit(s)\n\nN/A\n\nAlways required\n\nNumber\n\nSubject Property\n•\n\nUnits Excluding\nADUs 3.005\n\nNo\n\nUnits Excluding ADUs\nNumber of separate living units on the property, not counting any ADUs.\nExamples:\n•\n\nA single-family property (with or without an ADU) is reported as 1\nunit in this field.\nA three-unit property (with or without an ADU) is reported as 3\nunits in this field.\n"}
diff --git a/chunks/json/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.json b/chunks/json/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c4f7980a81ec76a9a8af893c6efd5ce0cc76f80
--- /dev/null
+++ b/chunks/json/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58958,"char_start":57331,"chunk_id":"chk_29d75149d95ed2c4","chunk_index":32,"chunk_sha256":"a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n•\n\n•\n\na small addition to the primary dwelling, or\n\na manufactured home (legally classified as real property).\n\nWhether a property is defined as a one-unit property with an ADU or a two- to four-unit property will be based on the\ncharacteristics of the property, which may include, but are not limited to, the existence of separate utility meter(s), a unique\npostal address, and whether the unit(s) can be legally rented. A one-unit property with multiple ADUs remains classified as a one-\nunit property, provided all ADU requirements are met. The appraiser must determine compliance with this definition as part of\nthe analysis in the Highest and Best Use section of the appraisal report. See SB4-1.3-05, Dwelling Exterior, Unit Interior, and\nOutbuilding Sections of the Appraisal Report for additional ADU appraisal requirements.\n\nZoning for an ADU\n\nSome ADUs may predate the adoption of the local zoning ordinance and therefore be classified as legal nonconforming. An ADU\nshould always be considered legal if it is allowed under the current zoning code for the subject property.\n\nIf it is determined that the property contains an ADU(s) that is not allowed under zoning (where an ADU(s) is/are not allowed under any\ncircumstance), the property is eligible under the following additional conditions:\n\n•\n\n•\n\nThe lender confirms the existence will not jeopardize any future property insurance claim that might need to be filed for\nthe property.\n\nThe appraisal requirements related to zoning for an ADU are met. See SB4-1.3-05, Dwelling Exterior, Unit Interior, and\nOutbuilding Sections of the Appraisal Report.\n"}
diff --git a/chunks/json/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.json b/chunks/json/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.json
new file mode 100644
index 0000000000000000000000000000000000000000..85e7950b1670ab6dae76ccdcf9e3f2281302415d
--- /dev/null
+++ b/chunks/json/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7753,"char_start":6124,"chunk_id":"chk_741832bf031b073e","chunk_index":3,"chunk_sha256":"a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d62475641b3949a6","text_sha256":"a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Making_government_services_easier_to_find___USAGov_b6tlap.md"]},"text":"Find government programs that may help pay for food, housing, health care, and more.](/benefits)\n - [## Health\n\nGet information about health insurance. Find help for mental health and other medical conditions, testing, and paying medical bills.](/health)\n - [## Housing help\n\nLearn about rental and buyer assistance programs. Find emergency housing and avoid eviction.](/housing-help)\n - [## Immigration and U.S. citizenship\n\nLearn about U.S. residency, Green Cards, citizenship requirements, and related issues.](/immigration-and-citizenship)\n - [## Jobs, labor laws, and unemployment\n\nGet resources for finding a job. Learn about unemployment insurance and important labor laws.](/jobs-labor-laws-unemployment)\n - [## Laws and legal issues\n\nLearn how to replace vital records, get child support enforcement, find legal help, and more.](/laws-and-legal-issues)\n - [## Military and veterans\n\nLearn how to join the military. Find benefits and services as a member or veteran, including how to apply for housing, financial, health, and other support.](/military-and-veterans)\n - [## Money and credit\n\nFind government grants, loans, and unclaimed money. Learn about taxes. Get credit reports and scores.](/money)\n - [## Scams and fraud\n\nLearn about identity theft, Social Security scams, and how to report scams and fraud.](/scams-and-fraud)\n - [## Small business\n\nLearn how to start, fund, and manage your own business. Understand how to get import and export licenses.](/small-business)\n - [## Taxes\n\nLearn about filing federal income tax. Find out how to pay, how to check your refund, and more.](/taxes)\n - [## Travel\n"}
diff --git a/chunks/json/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.json b/chunks/json/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.json
new file mode 100644
index 0000000000000000000000000000000000000000..a020112bf6ecea821189a4edcbf5c7f3f8c84c5b
--- /dev/null
+++ b/chunks/json/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":988815,"char_start":987025,"chunk_id":"chk_170775312cd14044","chunk_index":589,"chunk_sha256":"a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424","token_estimate":448,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 167 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n508\n\n6\n\n20b\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_City\n\n509\n\n6\n\n20c\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\n510\n\n6\n\n20d\n\nAPPRAISER\nCERTIFICATION\n\nAddress of Property Appraised\nCity,State,Zip\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n511\n\n512\n\n513\n\n514\n\n515\n\n516\n\n517\n\n518\n\n519\n\n520\n\n521\n\n522\n\n523\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n21\n\n22\n\n23\n\n24\n\n26\n\n27\n\n28\n\n29\n\n30a\n\n30b\n\n30c\n\n31\n\n32\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISED VALUE OF SUBJECT\nPROPERTY $\n\nProperty Appraised\nValue Amount\n\nStatement of property's value from a valid\nproperty valuation source.\n\n/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nName\n\nGSE Management\nCompany Name\n\nThe appraisal management company\nassociated with the appraisal report.\n\n/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_EXTEN\nSION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@ExtensionSec\ntionOrganizationName='UNIFORM APPRAISAL\nDATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA/\nMANAGEMENT_COMPANY/@GSEManagementCompanyName\n"}
diff --git a/chunks/json/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.json b/chunks/json/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.json
new file mode 100644
index 0000000000000000000000000000000000000000..985fa540ac7a371e3bff47b2d953cae8dd5e2d98
--- /dev/null
+++ b/chunks/json/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":322807,"char_start":321206,"chunk_id":"chk_a929fb58d5524d92","chunk_index":189,"chunk_sha256":"a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Design Type\n\nThis field specifies the type of design\nfor the multiple unit buildings in a\nproject.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_DesignType='Attached']\n\nThis data is referenced more than once on the form (field 2-127), and must be\nrepresented consistently.\n\n12\n\nMoney\n\nPDF Display Format:\nWhole numbers only\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\n1\n\n1\n\n8\n\n8\n\n8\n\nBoolean UAD Requirement - Refer to Appendix D Subject Section\n\nBoolean UAD 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\nattached and detached buildings), this should be represented in the data by\nassigning Project Design Type a value of 'Other' and assigning Project Design\nType Other Description a value of 'AttachedAndDetached'.\n\n44 and 45\n\nPROJECT\nINFORMATION\n\nPUD\nProject Unit Type(s)\nAttached and Detached\n\nProject Design Type\n\nThis field specifies the type of design\nfor the multiple unit buildings in a\nproject.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_DesignType='Other' and\n@_DesignTypeOtherDescription='AttachedAnd\nDetached']\n\n46\n\n47\n\n48\n\n49\n\nPROJECT\nINFORMATION\n\nPUD\nLegal name of project\n\nProject Name\n\nThe name of the project in which\nsubject property is located (e.g., the\nname of the condominium or\ncooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_Name\n\n100\n"}
diff --git a/chunks/json/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.json b/chunks/json/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.json
new file mode 100644
index 0000000000000000000000000000000000000000..f6d27e79577a7cb8e553af30790cee465fe550f1
--- /dev/null
+++ b/chunks/json/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":377057056,"char_start":0,"chunk_id":"chk_4bac0d76a19a5dac","chunk_index":0,"chunk_sha256":"a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1","date_utc":"2026-01-27T18:12:57+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_c2e3ed2d86dd3441","text_sha256":"a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_sf_nfb/2024_PUDB_SF_NFB/2024_pudb_sf_nfb_fhlmc.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 2 | record_num_sf_nfb: 20000001 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 2 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000002 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000003 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 2 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000004 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000005 | metro: 0 | tract_minority_cat: 3 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000006 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000007 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 3 | units_num: 1 | unit_own_occ: 2 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000008 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000009 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000010 | metro: 0 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000011 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 9 | race_ethnicity_coborr: 9 | sex_borr: 3 | sex_coborr: 3 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4\nenterprise: 2 | record_num_sf_nfb: 20000012 | metro: 1 | tract\n"}
diff --git a/chunks/json/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.json b/chunks/json/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.json
new file mode 100644
index 0000000000000000000000000000000000000000..c40c602d1a375ece5f9eda4313d40cd3ac2d39aa
--- /dev/null
+++ b/chunks/json/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55524,"char_start":53905,"chunk_id":"chk_799eb30edf38e0e3","chunk_index":29,"chunk_sha256":"a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45","token_estimate":405,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"h. Single-Family Data Field 16: Area\nMedian Family Income\n\nThis data field designates the AMI for\nthe location of the property securing the\nEnterprise mortgage for the reporting\nyear (i.e., year of mortgage acquisition\nby the Enterprise), which is: The MSA\nfor properties located in an MSA; or the\ncounty or State non-metropolitan area\nfor properties located outside an MSA,\nwhichever is greater. FHFA has\neliminated the incorrect reference in the\ndata field to ‘‘withheld as proprietary,’’\nas this data field has always been non-\nproprietary in the single-family\ndatabase.\n\ni. Single-Family Data Field 17: Borrower\nIncome Ratio\n\nThis data field identifies the ratio of\n\nthe borrower’s annual income to the\nAMI (data field 16). FHFA has\neliminated the incorrect reference in the\ndata field to ‘‘withheld as proprietary,’’\nas this data field has always been non-\nproprietary (i.e., only coded 9999 when\nborrower income or AMI is unknown) in\nthe single-family database.\n\nj. Single-Family Data Field 25 and\nMultifamily Data Field 24: ‘‘Special\nAffordable, Seasoned Loan: Are\nProceeds Recycled?’’\n\nThis data field identifies the specific\n\nreasons in accordance with 12 CFR\n1282.14(e) for an Enterprise claiming\nSpecial Affordable Housing Goal credit\nfor the Enterprise’s purchase of loans\nthat originated more than one year prior\nto the date of acquisition. FHFA has\nexpanded the reporting codes for this\ndata field to include additional reasons\nset forth under 12 CFR 1282.14(e), as the\nEnterprises have reported their mortgage\ndata using these expanded codes since\n2001.\n\nk. Single-Family Data Field 27: Federal\nGuarantee\n"}
diff --git a/chunks/json/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.json b/chunks/json/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.json
new file mode 100644
index 0000000000000000000000000000000000000000..88f8b0d4819ad7f84aabf3fa8bbb3412248aafb2
--- /dev/null
+++ b/chunks/json/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":73175,"char_start":71460,"chunk_id":"chk_f794adf30181046d","chunk_index":40,"chunk_sha256":"a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 32 of 166\n\nUAD 3.6 Policy\n\nSB2-3-05, Properties Affected by a Disaster (09/03/2025)\n\nIntroduction\n\nThis topic contains information on properties affected by a disaster, including:\n\n• Overview\n• Property Eligibility Requirements\n•\n• Age of Documentation Requirements\n\nValue Acceptance Offers Following a Disaster\n\nOverview\n\nThe Mortgage Selling and Servicing Contract requires the lender to warrant for each loan sold to Fannie Mae that the property is\nnot damaged by fire, wind, or other cause of loss and that there are no proceedings pending for the partial or total condemnation\nof the property. The lender also warrants that the loan conforms to all applicable requirements in the Selling Guide, including the\nrequirement that the loan is an acceptable investment. Finally, the lender represents and warrants that it knows of nothing\ninvolving the loan or the property that can reasonably be expected to cause the loan to become delinquent or adversely affect the\nmortgage's value or marketability.\n\nProperty Eligibility Requirements\n\nThe lender must be able to make the warranties that are described above. Therefore, before delivery of a loan to Fannie Mae\nwhere the property may have been damaged by a disaster, the lender is expected to take prudent and reasonable actions to\ndetermine whether the condition of the property may have materially changed. The lender is responsible for determining if an\ninspection of the property and/or new appraisal is necessary to support this warranty. If a property is located in a condo or co-op\nproject, both the condition of the unit and the condition of the building in which the unit is located must be assessed.\n"}
diff --git a/chunks/json/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.json b/chunks/json/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.json
new file mode 100644
index 0000000000000000000000000000000000000000..0137008795f80237b8770a6c28f409051f7b72f4
--- /dev/null
+++ b/chunks/json/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":384601,"char_start":382942,"chunk_id":"chk_f40076a8fc9ec5b7","chunk_index":214,"chunk_sha256":"a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"the current appraised value of the land if the land was purchased more than 12 months preceding the loan\napplication date.\n\n•\n\nthe “as completed” appraised value of the manufactured home and land.\n\nExisting Manufactured Homes\n\nAn existing manufactured home is one that already exists on its foundation.\n\nManufactured Home Subdivision Development\n\nIn cases where a manufactured home is being sold to a consumer by a builder, developer, or manufacturer acting as a\ndeveloper as part of a new or existing manufactured home subdivision, the LTV ratio (and CLTV/HCLTV ratio, if applicable) for\na loan secured by an existing manufactured home will be based on the lower of:\n\n•\n\nthe sales price of the manufactured home and land; or\n\n•\n\nthe current appraised value of the manufactured home and land.\n\nAll Other Transactions\n\nThe LTV ratio (and CLTV/HCLTV ratio, if applicable) for a loan secured by an existing manufactured home will be based on the\nlowest of:\n\n•\n\nthe sales price of the manufactured home and land;\n\n•\n\nthe current appraised value of the manufactured home and land; or\n\n•\n\nif the manufactured home was built in the 12 months preceding the loan application date, the lowest price at which\nthe home was previously sold during that 12-month period, plus the lower of:\n\no\n\nthe current appraised value of the land, or\n\no\n\nthe lowest price at which the land was sold during that 12-month period (if there was such a sale).\n\nNote: The above purchase requirements do not apply to single-closing construction-to-permanent transactions. See B5-3.1-\n02, Conversion of Construction-to-Permanent Financing: Single-Closing Transactions for additional information.\n"}
diff --git a/chunks/json/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.json b/chunks/json/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..a5ffc8f454ffd4d172229d63566f69e54d9eb8d1
--- /dev/null
+++ b/chunks/json/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":179136,"char_start":177473,"chunk_id":"chk_5e9a20f177b924c9","chunk_index":104,"chunk_sha256":"a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A view that is obstructed during certain times of the year.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nSite Features and Impact to Value / Marketability\n\nThe Site Features table provides information about relevant site factors that may impact the value and\nmarketability of the property.\n• Non-Residential Property Use\n• Hazard Zone\n• Property Restrictions\n• Easements\n• Encroachments\n• Site Characteristics\n\nThe appearance of the Site Features table varies based on the details of the property being appraised. This\nsample shows all possible rows that may display.\n\nAppendix F-1: URAR Reference Guide\n\nPage 70 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nNon-Residential Property Use\n\nThe appraiser must carefully analyze and report on any significant non-residential uses of the subject property in\nthis section when Site Owned in Common (3.015) is No. This row only displays in the Site Features table when\nSite Owned in Common is No and Non-Residential Uses on Property (4.017) is Yes.\n• When Site Owned in Common is Yes, the details of non-residential use for a specific unit, including whether\n\nthe property qualifies as live / work space, are reported in the Unit Interior section (10.026-10.028).\n\n• Commercial space in project buildings is reported in the Project Information section (18.069).\n\nReport\nField ID\n\n4.043\n4.044\n\nReport Label\n\nWhen to Include\n\nNon-Residential\nProperty Use\n(Detail)\n\nRequired if Non-\nResidential Use is Yes\n\nSite: Site Features - Non-Residential Property Use\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"}
diff --git a/chunks/json/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.json b/chunks/json/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..30f84d3547edf3c19707bd7a80370559d3092bb5
--- /dev/null
+++ b/chunks/json/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1732,"char_start":0,"chunk_id":"chk_d49ce98898a66075","chunk_index":0,"chunk_sha256":"a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b3d64680343f1850","text_sha256":"a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Stress_Tests_Reports___Fannie_Mae___Freddie_Mac____z3chnu.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/stress-tests-report\"\ndate_accessed: \"2026-01-27T17:54:20.742Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.json b/chunks/json/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.json
new file mode 100644
index 0000000000000000000000000000000000000000..789aff09052a9ea1ecf7a4e30a5389e40ea4f8e8
--- /dev/null
+++ b/chunks/json/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9066,"char_start":7245,"chunk_id":"chk_72928f91c2808082","chunk_index":7,"chunk_sha256":"a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6","token_estimate":455,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"UCD XPath: This data point will be added to UCD as an EXTENSION of\n QUALIFIED_MORTGAGE_DETAIL:\n\n…/LOAN\n\nQUALIFIED_MORTGAGE\n\nQUALIFIED_MORTGAGE_DETAIL\n\nEXTENSION\nOTHER\ngse:QualifiedMortgageShortResetARM_APRPercent\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nCurrent Requirement (Freddie Mac Single-Family Seller/Servicer Guide): Greater of the note rate\nplus 2% or the fully indexed rate.\n\nNew Requirement (Freddie Mac Single-Family Seller/Servicer Guide): For all ARMs, lenders must\nuse the loan amount over the loan term to calculate periodic payments of principal and interest. The\nRevised QM Rule’s APR-APOR threshold test adds an APR data requirement for adjustable-rate QM\nloans that have an interest rate change within the first five years. The lender must use the maximum\ninterest rate that could apply during the first five years after the first payment is due when calculating the\nqualifying rate.\n\n• 3/6 ARMs: note rate plus lifetime cap\n\n• 5/6 ARMs: note rate plus first rate change cap\n\nEach GSE’s UCD collection system can accept this data point at any time.\n\nMandate: This data point will be required for all ARMs meeting the definition on and after May 1, 2023.\n\nEnumeration Changes\n\nMI Company Name Change\nOverview\nOn February 7, 2022, Genworth Mortgage Insurance Corporation officially began doing business as\nEnact Mortgage Insurance Corporation. The UCD captures MI names in Unique ID (UID)\n3.017MICompanyNameType and 3.029 MICompanyNameTypeOtherDescription. Currently, the\nenumeration for “Genworth” is captured in 3.017 MICompanyNameType.\n"}
diff --git a/chunks/json/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.json b/chunks/json/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.json
new file mode 100644
index 0000000000000000000000000000000000000000..21be5ced9009f7dc26c4a1b557b120e1bbe6e7bf
--- /dev/null
+++ b/chunks/json/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":332164,"char_start":330435,"chunk_id":"chk_2d74c98ccd7241da","chunk_index":196,"chunk_sha256":"a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d","token_estimate":433,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom table\n(Flooring\nCondition Status)\n\nThe condition status of the Flooring Type.\nNotes:\n•\n\nIf there are varying condition statuses for the flooring type, choose the\none that best explains the Interior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Unit Interior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Unit Interior) subsection.\n\n•\n\n•\n\n10.048 Condition\nComment\n\nFree-form\n\nIf needed to describe\nthe current condition\nof each Flooring Type\nin the unit\n\nA brief description of the current condition of the flooring type as of the\neffective date. For further expansion of commentary, use Unit Interior\nCommentary (10.061).\n\nWhen the item will cause the Market Value Condition of the appraisal (26.009)\nto be subject to repair, the appraiser must also reference the Apparent\nDefects, Damages, Deficiencies table.\n\nAllowable Answer\n\nNew or Like New\n\nFlooring Condition Status (Choose one for each Flooring Type)\n\nDefinition / Additional Guidance\n\nThe flooring is new or like new with no visible signs of use.\nNote: This would be the typical answer when New Construction (3.017) is Yes.\n\nTypical Wear and Tear\n\nThe flooring is fully functional and exhibits minimal wear and tear, with visible signs of use.\n\nDamaged and Functional\n\nThe flooring is damaged and exhibits moderate wear and tear but can still function as intended or designed.\n\nDamaged and Nonfunctional The flooring is damaged and exhibits significant wear and tear to the level that it can no longer function as intended or\n"}
diff --git a/chunks/json/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.json b/chunks/json/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.json
new file mode 100644
index 0000000000000000000000000000000000000000..54856f6561fa1ed415784e2fab00fa4c763e0436
--- /dev/null
+++ b/chunks/json/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":158385,"char_start":156731,"chunk_id":"chk_28d5f3a07e74604b","chunk_index":92,"chunk_sha256":"a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Fence']/@_Exi\nstsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Fence']/@_Det\nailedDescription\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Porch']/@_Exis\ntsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Porch']/@_Det\nailedDescription\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/AMENITY[@_Type='Other']/@_Exis\ntsIndicator\n\nBoolean\n\nA value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not\nchecked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nIf none, then zero (0) should be entered.\n\nBoolean\n\nA value of 'Y' indicates a patio/deck exists, a value of 'N' indicates the box is\nnot checked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the patio/deck. If there is no patio or\ndeck, indicate 'None'.\n\nBoolean\n\nA value of 'Y' indicates a pool exists, a value of 'N' indicates the box is not\nchecked.\n\nThis field should be populated if the value\nindicated in field 1-184 (Amenity Detailed\nDescription) is not equal to 'None'\n\nThis field should be populated if the value\nindicated in field 1-186 (Amenity Detailed\nDescription) is not equal to 'None'\n\n12\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the pool. If there is no pool, indicate\n'None'\n\n1\n\n2\n\n1\n\n10\n\n1\n\n10\n\n1\n\nBoolean\n\nA value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is\nnot checked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\n"}
diff --git a/chunks/json/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.json b/chunks/json/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.json
new file mode 100644
index 0000000000000000000000000000000000000000..521cf8f9b0037b5631e3f3f8cd5321163dd95c0f
--- /dev/null
+++ b/chunks/json/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31122,"char_start":28519,"chunk_id":"chk_40029a066e29b37e","chunk_index":15,"chunk_sha256":"a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/1096\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.json b/chunks/json/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d0555e696028141887098dcc9eda7f6f1782108
--- /dev/null
+++ b/chunks/json/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":286341,"char_start":284685,"chunk_id":"chk_34789d2c9b885ac3","chunk_index":167,"chunk_sha256":"a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal\nplaces.\n\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal\nplaces.\n\n12\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n1\n\n1\n\nBoolean\n\nBoolean\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\nOne and only one of fields 2-105, 2-106\n(values of Sales History Researched Indicator)\nshould be indicated.\n\nOne and only one of fields 2-105, 2-106\n(values of Sales History Researched Indicator)\nshould be indicated.\n\nIf field 2-106 (Sales History Researched\nIndicator = 'N') is indicated, this field should\nbe populated.\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nOne and only one of fields 2-108, 2-109\n(values of Subject Has Prior Sales Indicator)\nmust be indicated.\n\nCR\n\nCR\n\nCR\n\nSubject Has Prior\nSales Indicator\n\nIndicates whether the subject property\nhas prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/SUBJECT[@_HasPriorSalesIndicator='Y']\n\nSubject Has Prior\nSales Indicator\n\nIndicates whether the subject property\nhas prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/SUBJECT[@_HasPriorSalesIndicator='N']\n\n1\n\n1\n\nData Source\nDescription\n\nA free-form text field used to describe\nthe source of information.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/SUBJECT/@DataSourceDescription\n"}
diff --git a/chunks/json/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.json b/chunks/json/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.json
new file mode 100644
index 0000000000000000000000000000000000000000..da78bacc4c8c3688b37d19ad6b7039068e690d26
--- /dev/null
+++ b/chunks/json/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":590631,"char_start":588990,"chunk_id":"chk_7c63e8c99b07d84f","chunk_index":340,"chunk_sha256":"a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Amenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nWood\n\nDetail\n168 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck\n\nThis is where the Deck photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe property has been well maintained and shows little sign of wear and tear.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George\nWashington Park.\n\nSearch Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built\nwithin the past 10 years, located within the subject’s market area (east of Washington Park) during the past 12 months.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\n7\n52\n$325,000\n$349,000\n$369,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n"}
diff --git a/chunks/json/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.json b/chunks/json/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.json
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index 0000000000000000000000000000000000000000..88163c3733bbc1ddd6f71a65dd2300741d911d5b
--- /dev/null
+++ b/chunks/json/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8084,"char_start":6428,"chunk_id":"chk_3cc3bc855e4712b5","chunk_index":4,"chunk_sha256":"a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434","token_estimate":414,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"image/png\n\n52\n\n369900\n\nSettledSale\n\n25.164178\n\n-51.328131\n\nWoodland Hills\n\nDeck\n\nPortico\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\n2024-01-31\n\n1900\n\n2024-03-01\n\n365000\n\nSale\n\n2019-04-15\n\n275000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\n14750\n\nFull\n\nResidential\n\n442 Jolly Ave\n\nAnytown\n\n09992\n\nMD\n\n1\n\nSettledSale\n\nPrivate sale\n\ntrue\n\nSaleOrTransferType\n\n2024-01-19\n\nSale\n\n231495234K\n\nClient\n\nNotNecessaryForCredibleResults\n\nNotNecessaryForCredibleResults\n\nThe comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time adjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and 5, which although located further away are still within the subject's market area.\n\n350000\n\nThe borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After analyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.\n\nBorrowerInitiated\n\n2024-03-15\n\nValueChange\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nRefinance\n\nOverallQualityAndCondition\n\nThe property has been well maintained and shows little sign of wear and tear.\n\nSubjectPriorSalesAndTransferHistory\n\nThis was a builder sale.\n\nComparablesPriorSalesAndTransferHistory\n\nThe prior transfers of comps 2 and 5 represent resales at market value.\n\nMarket\n\nThe Price Trend graph indicates no measurable change in prices during the identified lookback period.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n"}
diff --git a/chunks/json/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.json b/chunks/json/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.json
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index 0000000000000000000000000000000000000000..ee4a6daae668215bf6f3587f744302f911634fe5
--- /dev/null
+++ b/chunks/json/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":76183,"char_start":74509,"chunk_id":"chk_85a12bfef33291bf","chunk_index":44,"chunk_sha256":"a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Room\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nNot Updated\n\nNot Updated\n\nTime Frame\n\nQuality Comment\n\nCondition Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit A)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nThis is where the Unit A Bath 1 photo would display.\n\nThis is where the Unit A Bath 2 photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit A Bedroom 1 photo would display.\n\nThis is where the Unit A Bedroom 2 photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 7 of 26\n\nUnit Interior - Building 1 - Unit A (continued)\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit A Dining Room photo would display.\n\nThis is where the Unit A Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the Unit A Living Room photo would display.\n\nUnit Interior - Building 1 - Unit B\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n"}
diff --git a/chunks/json/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.json b/chunks/json/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.json
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index 0000000000000000000000000000000000000000..7c2bd29f116936fe0ab41a048148d239e5d27c52
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+++ b/chunks/json/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":100454,"char_start":98848,"chunk_id":"chk_11e533012c2f0ef4","chunk_index":58,"chunk_sha256":"a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004 Hybrid/70H\n\nREQUIREMENT\n\n• 1004 Desktop/70D\n\nThe appraiser must provide the method used\nto obtain the information of the subject\nproperty.\n\nAppraisal\nAssignment Type\n\nSubject Property\nData Collection\nMethod\n\nHybrid\n\nHybrid\n\nPhysical\n\nVirtual\n\nDesktopAppraisal\n\nPriorURAR\n\nDesktopAppraisal\n\nPriorHybrid\n\nDesktopAppraisal\n\nOther\n\nReporting Format:\nEnumerations are case sensitive, and\nappraiser can only select one of the values\nlisted above.\n\nPage 59 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nSubject Property Data Collection\nWorkforce\nThe appraiser must provide the individual who\ncompleted the property data report (PDR)\nbased on one of the data collection methods\n\n• 1004 Hybrid /70H\n\nREQUIREMENT\n\nReconciliati\non Section\n\nAppraiser\n\nAppraiserTrainee\n\nRealEstateAgent\n\nHomeInspector\n\nInsInspector (e.g. Insurance\nInspector)\n\nOther\n\nReporting Format:\nEnumerations are case sensitive, and\nappraiser can only select one of the values\nlisted above.\n\nThis appraisal is made ‘as is’, subject to\ncompletion...\nThe appraiser must select either the ‘as is’ or\nat least one of the ‘subject to’ checkboxes. If\nany of the ‘subject to’ checkboxes are\nselected, provide a description.\n\nReporting Format:\nThis appraisal is made ‘as is’, subject to\ncompletion… – Checkbox(es) designated with\nan ‘x’\nDescription (if applicable) – Text\n"}
diff --git a/chunks/json/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.json b/chunks/json/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.json
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index 0000000000000000000000000000000000000000..ad0f8183572c71a4a303b8ec47e672615c62e1cd
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+++ b/chunks/json/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13577,"char_start":11953,"chunk_id":"chk_9df9009e623d0d14","chunk_index":6,"chunk_sha256":"a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"economically.\n\n1\n\nIn May 2010, the MISMO Residential Governance Committee approved the publication of the MISMO\nVersion 3.0 Reference Model. MISMO Version 3.0 is designed to facilitate one data model, which promotes\ndata transparency and strengthens data validation. This model was updated in May of 2010. The XML-\nbased MISMO Version 3.0 uses the full World Wide Web Consortium (W3C®) schema standard. It uses a\ncommon architecture and logical model, which results in the same format for any origination process and\nbetween processes (for example, between loan origination, secondary market, and loan servicing). This\napproach results in a consistent data structure with greater interoperability and efficiency of reuse.\n\nThe ULDD identified in the Appendix D: Fannie Mae XML Data Reference is a subset of the complete\nMISMO Version 3.0 Reference Model, which will be used for the GSE loan delivery applications. The data\nis obtained from the MISMO Version 3.0 Schema published in May 2010 (see reference in table below).\nWhen updates are made to Appendix D: Fannie Mae XML Data Reference, we will provide the MISMO\nversion and date of the schema used during our data mapping process. We will likewise update Fannie\nMae documents. Fannie Mae may update this Implementation Guide in response to changes to the ULDD,\nor as Fannie Mae business needs may require.\n\n1 www.mismo.org\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 6 of 22\n\nTable 1 - MISMO Version URL\n\nTitle and URL\n\nVersion 3.0 Residential Reference Model\nhttp://www.mismo.org/s tandar ds-and-r esources /residential-\nspecifications/mismo-version-30\n"}
diff --git a/chunks/json/a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460.json b/chunks/json/a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":43052,"char_start":41429,"chunk_id":"chk_dd6324aae12eaa93","chunk_index":33,"chunk_sha256":"a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Page 40\n\nThe static text for Intended User (FID: 05.008 - 05.009) is not delivered in the XML. Text provided for Additional Intended User –\nValuationAdditionalIntendedUserDescription (UID: 2200.0008, FID: 05.010) is delivered in the XML.\n\nReport\nField ID\n\nIntended User Text\n\nText Conditionality\n\n05.008\n\nThe intended user of this report is the lender/client.\n\nAlways displays\n\nFHA and the Mortgagee are the intended users of this\nreport.\n\n05.009\n\nThe USDA and any other identified lender/client are\nintended users of this report.\n\nThe VA is also an intended user of this report.\n\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID:\n1000.0121, FID: 05.009) = \"FHA\" and the original appraisal is for a purchase\nor refinance transaction\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID:\n1000.0121, FID: 05.009) = “USDA”\nDisplay descriptive text when GovernmentAgencyAppraisalType (UID:\n1000.0121, FID: 05.009) = “VA”\n\nAdditional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0046, FID: Not on report)\n\n• When “true”\n\no Display sub-header: Additional Intended Users (FID: 05.046)\no Display in italics below sub-header: Additional Intended Users cannot be contrary to the original Intended User.\n\no Display the text from ValuationAdditionalIntendedUserDescription (UID: 2200.0008, FID: 05.010) and deliver in XML.\n\nPage 41\n\n• When “false”\n\no Do not display sub-header\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nAppraiser Certifications\n\n05.011\n\nThe Appraiser certifies and agrees that:\n"}
diff --git a/chunks/json/a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c.json b/chunks/json/a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c.json
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+{"chunk":{"char_end":265900,"char_start":264224,"chunk_id":"chk_3da00bb261e4e971","chunk_index":156,"chunk_sha256":"a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 110 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nMechanical System Details\n\nThe Mechanical System Details subsection always displays.\n\nHeating\n\nDwelling Exterior: Mechanical System Details - Heating\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.049\n\nHeating (System) Always required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Heating\nSystem Type)\n\nDefinition / Additional Guidance\n\nHeating System Type: The type(s) of permanent heating systems in the\nstructure.\n•\nNone\n•\nBaseboard\n•\nFireplace\n•\nForced Warm Air\n•\nGravity Air\n• Mini Split\n•\n•\n•\n•\n•\n\nPassive Solar\nRadiant\nRadiators\nStove\nOther (Describe)\n\n8.050\n\nHeating (Detail) Required for each\nidentified Heating\nSystem Type\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nHeating System Fuel\n•\nCoal\n•\nElectric\n•\nGeothermal\n•\nNatural Gas\n•\nOil\n•\nPropane\n•\nSolar\n• Wood\n•\n\nOther (Describe)\n\n8.050\n\nHeating (Detail) Required if Heating\nSystem Type is None\n\nYes | No\n\nLack of Heating Typical for Market: Indicates whether the lack of heating is\nprevalent in the market.\n•\n•\n\nYes (Typical for Market)\nNo (Not Typical for Market)\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nHeating System Type (Choose one or more)\n\nNone\n\nBaseboard\n\nFireplace\n\nNote: Only select this answer if the structure does not have permanent heat.\n\nA system of perimeter heating located at the base of the wall where the baseboard would be.\n\nNote: Only select this answer if the fireplace is used as the primary source of heat. Other fireplaces are reported in the\nSubject Property Amenities section (14.002).\n"}
diff --git a/chunks/json/a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6.json b/chunks/json/a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6.json
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+{"chunk":{"char_end":102500,"char_start":100859,"chunk_id":"chk_fb16fd6b7e03842e","chunk_index":60,"chunk_sha256":"a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 37 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n94\n\n1\n\ne-7\n\nSITE\n\nView\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_VIEW_DETAIL_EXTENSION/\nCOMPARISON_VIEW_DETAIL_EXTENSIO\nN_SECTION[@ExtensionSectionOrganizationN\name='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_\nEXTENSION_SECTION_DATA/COMPARIS\nON_VIEW_DETAIL[@GSEViewType='Other']\n/@GSEViewTypeOtherDescription\n\n19\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nIf a view factor not on the list materially affects the value of the subject\nproperty, the appraiser must select 'Other' and enter a description of the view\nassociated with the property. Free-form descriptions should be entered\ncarefully because data will be truncated on the appraisal report form if it\nexceeds available space for that field.\n\nThis data is referenced more than once on the form for the subject property and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"}
diff --git a/chunks/json/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.json b/chunks/json/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.json
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+++ b/chunks/json/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.json
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+{"chunk":{"char_end":1664,"char_start":0,"chunk_id":"chk_804adfc6016624c3","chunk_index":0,"chunk_sha256":"a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda","date_utc":"2026-01-27T17:47:14+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3a94cd501f6e2a24","text_sha256":"a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae6/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae6.md"]},"text":"---\ntitle: \"Uniform Appraisal Dataset | Fannie Mae\"\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:47:14.159Z\"\nselector: \".component-space-lg.break-grid.rag-highlight-border\"\nparent_folder: \"APPRAISAL_DATASET\"\ncapture_name: \"Uniform_Appraisal_Dataset___Fannie_Mae6\"\n---\n\n###\n\n- Uniform Residential Appraisal Report\n - Restricted Appraisal Update Report\n - Completion Report\n [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification)\n\nThis document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.\n\n[**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide)\n\nThis zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface.\n\n[**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout)\n\nThis zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.\n\n[**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files)\n"}
diff --git a/chunks/json/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.json b/chunks/json/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.json
new file mode 100644
index 0000000000000000000000000000000000000000..c81500442d453ab4e304e4f64882fc2728f9c575
--- /dev/null
+++ b/chunks/json/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17872,"char_start":16247,"chunk_id":"chk_670ff5d9acf58564","chunk_index":10,"chunk_sha256":"a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Page 11 of 19\nPage 11 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$339,900\n\n$335,000\n\n$13,000\n\n$279\n\n$348,000\n\nLess\n\n$350,000\n\n$350,000\n\n$0\n\n$278\n\n$350,000\n\nLess\n\n$364,900\n\n$364,900\n\n$(11,400)\n\n$278\n\n$353,500\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$350,000\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 12 of 19\nPage 12 of 19\n\nSales Comparison Approach (continued)\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n849 Jolly Ave\nAnytown, MD 09992\n\n342 Trail Dr\nAnytown, MD 09992\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 4 photo\nwould display.\n\nThis is where the\nComparable 5 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nHeating\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nMLS HC9652147 |\nAssessor Record\n\nMLS HC74563455 |\nAssessor Record\n"}
diff --git a/chunks/json/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.json b/chunks/json/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c03b544f1ca7d3a84ecd2075cfa4a81d144e9df
--- /dev/null
+++ b/chunks/json/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":127066,"char_start":125257,"chunk_id":"chk_7f112a6294cbfbaf","chunk_index":74,"chunk_sha256":"a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PRO\nPERTY_ANALYSIS[@_Type='AdverseSiteCon\nditions']/@_Comment\n\nThis field should describe adverse site conditions, etc.\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\nAre the utilities and off-\nsite improvements\ntypical for the market\narea? Yes\n\nAre the utilities and off-\nsite improvements\ntypical for the market\narea? No\n\nAre the utilities and off-\nsite improvements\ntypical for the market\narea? If No, describe\nAre there any adverse\nsite conditions or\nexternal factors\n(easements,\nencroachments,\nenvironmental\nconditions land uses\nAre there any adverse\nsite conditions or\nexternal factors\n(easements,\nencroachments,\nenvironmental\nconditions land uses\nAre there any adverse\nsite conditions or\nexternal factors\n(easements,\nencroachments,\nenvironmental\nconditions, land uses,\netc )? If Yes describe\nUnits\nOne\n\n133\n\n134\n\n135\n\n1\n\n1\n\n1\n\n137\n\n138\n\n139\n\n140\n\n1\n\n1\n\n1\n\n1\n\n127\n\nSITE\n\n128\n\nIMPROVEMENTS\n\nStructure Accessory\nUnit Exists Indicator\n\nIndicates that the structure has an\naccessory unit.\n\n129\n\nIMPROVEMENTS\n\nUnits\nOne with Accessory Unit\n\nStructure Accessory\nUnit Exists Indicator\n\nIndicates that the structure has an\naccessory unit.\n\n136\n\n1\n\n130\n\nIMPROVEMENTS # of Stories\n\nGSE Stories Count\n\nThe number of whole or partial\nstories of the property.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE[@LivingUnitCount='1' and\n@_AccessoryUnitExistsIndicator='N']\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE[@LivingUnitCount='1' and\n@_AccessoryUnitExistsIndicator='Y']\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/STRUCTURE_EXTENSION/STRU\nCTURE_EXTENSION_SECTION[@Extension\nSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/STRUCTURE_EXTENSION_SEC\nTION_DATA/STRUCTURE_INFORMATION/\n@GSEStoriesCount\n"}
diff --git a/chunks/json/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.json b/chunks/json/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.json
new file mode 100644
index 0000000000000000000000000000000000000000..3dce2997173eadc3547cafe57b99655422c65277
--- /dev/null
+++ b/chunks/json/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":73015,"char_start":72532,"chunk_id":"chk_0d9a7721ec87d19f","chunk_index":118,"chunk_sha256":"a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 361\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 361\n"}
diff --git a/chunks/json/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.json b/chunks/json/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.json
new file mode 100644
index 0000000000000000000000000000000000000000..79cd8929fd81b04ffbc6e3b5b08c09a87644a07a
--- /dev/null
+++ b/chunks/json/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8792,"char_start":7138,"chunk_id":"chk_f50c35f484a0dc5a","chunk_index":4,"chunk_sha256":"a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"Edit 3417: The Closing Adjustment Item Type of SellerCredit is required as part of Seller Credit data (even if a 0 value) for all\nPurchase loans.\n\nEdit 3421: When the Closing Adjustment Item Type is Gift, Grant, or Rebate Credit the FullName of the Individual or Legal\nEntity who paid it is required.\n\nEdit 3422: The IntegratedDisclosureSectionType of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part of\nDeposit on Sales Contract data (even if a 0 value) for all Purchase loans.\n\nApril 21\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nTo further refine UCD Phase 1 data quality, the following edits will be updated, effective April 21, 2022. The edit feedback\nmessages will be updated to the following:\n\nFatal edit 3123: If Regulation Z Excluded Bona Fide Discount Points indicator is true, then Loan Price Quote Interest Rate\nPercent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal places.\n\nFatal edit 3126: If Regulation Z Excluded Bona Fide Discount Points Indicator is true, then Regulation Z Excluded Bona Fide\nDiscount Points Percent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal\nplaces.\n\nMarch 31\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nOn March 31, 2022, the GSEs will transition UCD Phase 2 edits to a fatal severity. In preparation for the transition to these\nedits, lenders should review all feedback messages returned by the UCD Collection Solution and resolve any issues,\nparticularly the Phase 2 edits showing a severity of warning-to-fatal. Lenders can review all UCD edits by utilizing the FM\nConnect UCD report.\n"}
diff --git a/chunks/json/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.json b/chunks/json/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.json
new file mode 100644
index 0000000000000000000000000000000000000000..1a8e10b1f9eb076e76208892df8eb572dd13f560
--- /dev/null
+++ b/chunks/json/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":107987,"char_start":105377,"chunk_id":"chk_2b77b5c839c1e306","chunk_index":60,"chunk_sha256":"a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848","token_estimate":652,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 44 of 166\n\nUAD 3.6 Policy\n\nrequested condition commentary section. If the alternate opinion of value does not meet the definition of market value, then the\nappraiser must also identify the type and definition of value developed within their commentary.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 45 of 166\n\nUAD 3.6 Policy\nSB4-1.1-02, Lender Responsibilities (09/03/2025)\n\nIntroduction\n\nThis topic contains information on lender requirements, including:\n\nLender Responsibilities\n\n•\n• Confirmation and Documentation of the Current Owner\n• Objective and Unbiased Appraisals\n• Reporting Unfavorable Conditions\n\nLender Responsibilities\n\nThe lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. For most loans,\nFannie Mae requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value,\ncondition, and marketability of the property. Some loans may be eligible for a value acceptance option, and an appraisal is not\nrequired if the lender exercises the option and complies with the related requirements. (See SB4-1.4-10, Value Acceptance\nand SB4-1.4-11, Value Acceptance + Property Data, for additional information.)\n\nIf an appraisal is obtained, the lender is responsible for\n\n• providing the borrower disclosures and requirements described in SB4-1.3-12, Appraisal Quality Matters;\n•\n•\n•\n\ncompliance with the Appraiser Independence Requirements;\nselection of the appraiser (see SB4-1.1-03, Appraiser Selection Criteria);\ncompliance with the Uniform Appraisal Dataset (UAD) when applicable (see SB4-1.1-06, Uniform Appraisal Dataset (UAD)\nand the Uniform Collateral Data Portal (UCDP));\nensuring the appraiser has utilized sound reasoning and provided evidence to support the methodology chosen to\ndevelop the value opinion, particularly in cases that are not covered by Fannie Mae policy;\nsuccessful submission of the appraisal report through the UCDP prior to sale of the loan (see SB4-1.1-06, Uniform\nAppraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP));\ncontinually evaluating the appraiser’s work through the quality control process (see SB4-1.3-12, Appraisal Quality\nMatters and Selling Guide D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data\nCollectors, and Property Data Collection); and\nensuring the appraisal report does not contain subjective and prohibited language relating to discriminatory practices\nand appraisal bias (see SB4-1.1-04, Unacceptable Appraisal Practices).\n"}
diff --git a/chunks/json/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.json b/chunks/json/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.json
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index 0000000000000000000000000000000000000000..15ca17677ef39dbbdc5a5f8c1a80661b17aa3df1
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+++ b/chunks/json/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.json
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+{"chunk":{"char_end":150917,"char_start":149289,"chunk_id":"chk_74bc84f31b02fba4","chunk_index":85,"chunk_sha256":"a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"For data points ending in the word “type,” one of a specified set of defined,\nacceptable terms. (Also referred to as an enumeration or enumerated\nvalue.)\n\nWorld Wide Web\nConsortium (W3C)\n\nThe main international standards organization for the World Wide Web.\nGoverns such languages as XML, XLink, and XPath.\n\nXML Language\n\nXML namespace\n\nA set of rules for encoding documents in machine-readable form,\nemphasizing emphasize simplicity, generality, and usability over the Internet.\n\nDefined by the W3C, used as a way to uniquely identify named elements\nand attributes in an XML document. An XML instance may contain element\nor attribute names from more than one XML vocabulary. If each vocabulary\nhas a namespace, then it does not matter if there are ide\nntically named elements or attributes; the namespace makes them unique.\nThe namespace for data points in the V3.0 Reference Model is\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 67 of 76\n\nSection VII. Glossary\n\nTerm\n\nDefinition\n\n“org:MISMO:residential:2009:LDD.”\n\nXML schema\n\nA description of a type of XML document with file type extension ”.xsd,”\ntypically expressed in terms of constraints on the structure and content,\nabove and beyond the basic syntactical constraints imposed by XML alone.\nThese constraints include grammatical rules governing the order of\nelements, conditions that the content must satisfy, data types governing the\ncontent of elements and attributes, and more specialized rules such as\nuniqueness and referential integrity constraints.\n"}
diff --git a/chunks/json/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.json b/chunks/json/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.json
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index 0000000000000000000000000000000000000000..df2ac5f90481e6f98f37f82a9757df30af95678f
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+++ b/chunks/json/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18241,"char_start":16522,"chunk_id":"chk_778bc03e62589431","chunk_index":10,"chunk_sha256":"a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12","token_estimate":430,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 10 of 22\n\nSubject Property Amenities (continued)\n\nIndoor Fireplace\n\nThis is where the Indoor Fireplace photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ2\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC3\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear\nand tear. Possible termite infestation noted.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary The subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road.\n\nSearch Criteria Description Attached properties with Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market\nboundary area.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\nHousing Trends\n\nDemand/Supply\n\n8\n46\n$780,000\n$1,070,000\n$1,550,000\n2\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n6\n$780,000\n$880,000\n$1,050,000\nNo\nPrice Trend\nThis Area MLS\n\nIn Balance\n\nMarketing Time\n\nUnder 3 Months\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
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+{"chunk":{"char_end":14981,"char_start":14083,"chunk_id":"chk_4d9dcc62a1e35c16","chunk_index":8,"chunk_sha256":"a68961394a8831e7561c8f30aa0496d7a6a5dbcd7707e0b4685ab205403b6192","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"a68961394a8831e7561c8f30aa0496d7a6a5dbcd7707e0b4685ab205403b6192","token_estimate":312,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.json b/chunks/json/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.json
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index 0000000000000000000000000000000000000000..bf06620de7415316e47cc8e9bb7b2f4d3969f385
--- /dev/null
+++ b/chunks/json/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8837,"char_start":7085,"chunk_id":"chk_55ea46af26a92bc1","chunk_index":4,"chunk_sha256":"a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c77231a66dbb61a3","text_sha256":"a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Enterprise_Housing_Goals___FHFA_y8esnc.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Enterprise Housing Goals\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Enterprise Housing Goals\n\nFHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac. The [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) include separate categories for single-family mortgages on housing that is affordable to low-income and very low-income families, as well as refinanced mortgages for low-income borrowers. FHFA also establishes separate annual goals for multifamily housing.\n"}
diff --git a/chunks/json/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.json b/chunks/json/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.json
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index 0000000000000000000000000000000000000000..deb62e2d5854e9026446c10fe91dc347e199c302
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+++ b/chunks/json/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38774,"char_start":37378,"chunk_id":"chk_07dee4bb025544a3","chunk_index":23,"chunk_sha256":"a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".VALUATION_METHODS\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nCR\n\nCR\n\nCR\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nPage 20 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\n..COST_ANALYSIS\n...NEW_IMPROVEMENT\nNew Improvement Type**\n\nNew Improvement Type Other Description**\n\nNew Improvement Cost Description**\n\nSquare Feet Count\n\nPrice Per Square Foot Amount\n\nNew Improvement Cost Amount**\n\n.VALUATION_METHODS\n..COST_ANALYSIS\n...DEPRECIATION\nDepreciation Physical Amount**\n\nDepreciation Functional Amount**\n\nDepreciation Exterior Amount**\n\nDepreciation Total Amount**\n\n.VALUATION_METHODS\n..SALES_COMPARISON\nValue Indicated By Sales Comparison Approach Amount\n"}
diff --git a/chunks/json/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.json b/chunks/json/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.json
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index 0000000000000000000000000000000000000000..f3321d0b4aedea6f895e8754d6584d12d4f3d0aa
--- /dev/null
+++ b/chunks/json/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18555,"char_start":16655,"chunk_id":"chk_6fde7e7c565910f0","chunk_index":9,"chunk_sha256":"a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f","token_estimate":475,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance\n\nIn the dashboard, users can evaluate the distribution of acquired UPB and hurricane risk in the state of Texas versus the counties with the presidential disaster declaration. In 2022, the Enterprises and the FHLBanks acquired 356,786 single-family loans in Texas for a total of approximately $105.4 billion in acquired UPB.[[10]](#ftn10) Figure 3 shows the distribution of 2022 acquired single-family UPB in Texas by hurricane risk. By the NRI ratings for hurricanes, 22.47 percent of acquired single-family UPB in the state was in either very-high or relatively-high-risk census tracts.\n\nFigure 4 shows the distribution of risk in the 17 counties eligible for individual assistance. In these counties, 82.13 percent of acquired single-family UPB was in very-high or relatively-high-risk census tracts. Historically these locations near the Gulf Coast have experienced more hurricanes than counties further inland in the state. As a result, these counties tend to have higher exposure to hurricane risk.\n\nBy using the “National Risk Index Chart,” users can compare how hurricane risk in Texas in the NRI compares to hurricane risk in the United States overall. The average national hurricane risk in the NRI is 50.0 and the average for Texas is 56.2, suggesting that relative to all other tracts in the country, Texas contains tracts that are on average, just above the median risk.\n\n## **Disaster Assistance**\n\nFannie Mae and Freddie Mac have resources to help borrowers impacted by natural disasters. If your mortgage is backed by either Fannie Mae or Freddie Mac and your ability to repay your mortgage has been affected by a disaster, please see more information [here](https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) about ways to get help.\n"}
diff --git a/chunks/json/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.json b/chunks/json/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.json
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index 0000000000000000000000000000000000000000..c1ad3eff8103f69202ac238002cbf2efff6ca1cc
--- /dev/null
+++ b/chunks/json/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":156399,"char_start":154784,"chunk_id":"chk_ed92ee7f7b198614","chunk_index":72,"chunk_sha256":"a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"4.2.3 Goes as high as n%\nin year n\n\n…/BUYDOWN_RULE/\nEXTENSION/OTHER\n\ngse:BuydownReflect\nedInNoteIndicator\n\ntrue\n\n…/LOAN/LOAN_DET\nAIL\n\nBuydownTemporary\nSubsidyFundingIndic\nator\n\ntrue\n\n4.2.2\n\nCan this amount\nincrease…?\n\nInterestRateIncrease\nIndicator\n\ntrue\n\nRepresented as\n“Goes …” on form\nIndicates need for\nadditional data\npoints\n\nNot shown –\nIndicates need for\nadditional data\npoints\n\nRepresented as\n“YES” on form\n\n4. 2. 3 I NTEREST RATE I NCREASE TERMS\n\nRegardless of whether the rate increase is potential or scheduled, the adjustment frequency of the first\nadjustment period, lifetime maximum rate and a reference to the AIR table also must be provided.\n\na. ADJUSTABLE OR STEP RATE LOANS\n\nThe following table illustrates the data points that need to be supplied for Adjustable and Step Rate loans. For\nform field ID 4.2.3, a reference to the bullet is also provided (first = (1), second = (2), third = (3)). Because most\nof the data in row 4.2 of the Loan Terms table is repeated in the Adjustable Interest Rate (AIR) Table, cross\nreferences to the AIR Table form field IDs supported by the same data points are provided.\n\nAppendix E: UCD Implementation Guide\n\nPage 67 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nTable 54. Adjustable and Step Rate Loans\n\nID\n(bullet)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n4.2.3 (1) |\n20.3 max\n\nGoes as high as n%\nin year 15\n\n4.2.3 (1) Goes as high as n%\nin year 15\n\n…/INTEREST_RATE_\nADJUSTMENT/INTER\nEST_RATE_LIFETIME\n_ADJUSTMENT_RUL\nE\n\n4.2.3 (2) |\n20.4\n\nAdjusts every n\nyears starting in\nyear n\n"}
diff --git a/chunks/json/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.json b/chunks/json/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.json
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index 0000000000000000000000000000000000000000..eee0eb02f7a5d1aae293084ee0605315c568c8a5
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+++ b/chunks/json/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.json
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+{"chunk":{"char_end":407735,"char_start":406040,"chunk_id":"chk_5c97f0df0938aa42","chunk_index":241,"chunk_sha256":"a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If there are multiple dwellings, Exterior Quality and Condition ratings display for each one.\n\nExterior Quality and Condition – for each Dwelling\n\nReport\nField ID\n\n15.001\n15.006\n\nReport Label\n\nWhen to Include\n\nN/A\n\nDisplays when\nDwellings Containing\nUnits is more than 1\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nIf applicable, Structure Identifier (8.000) redisplays from each Dwelling Exterior\nsection.\nExamples: Building 1, Building 2\n\nAppendix F-1: URAR Reference Guide\n\nPage 173 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n15 Overall Quality and Condition\n\nExterior Quality and Condition – for each Dwelling\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n15.002 Exterior Quality Displays when\n\nQ1 to Q6\n\nDefinition / Additional Guidance\n\nIf applicable, Exterior Quality Rating (8.022) redisplays from each Dwelling\nExterior section.\n\n15.007 Exterior\n\nCondition\n\nHomeowner\nResponsible for all\nExterior Maintenance\nof Dwellings is Yes\n\nDisplays when\nHomeowner\nResponsible for all\nExterior Maintenance\nof Dwellings is Yes\n\nInterior Quality and Condition\n\nC1 to C6\n\nIf applicable, Exterior Condition Rating (8.023) redisplays from each Dwelling\nExterior section.\n\nNote: Reflects the condition as if any required repairs, inspections, or\ncompletions have been satisfactorily completed.\n\nInterior Quality and Condition ratings are redisplayed from the Unit Interior section for each unit that is not an\nADU to give context to the Overall Quality and Condition ratings.\n\nIf the unit is an ADU (10.011), Interior Quality and Condition does not display here. It displays in the Unit Interior\nsection for the ADU (10.034 and 10.035).\n"}
diff --git a/chunks/json/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.json b/chunks/json/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.json
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+++ b/chunks/json/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1407,"char_start":0,"chunk_id":"chk_1f4338aab15a4f10","chunk_index":0,"chunk_sha256":"a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4615866946aafe4f","text_sha256":"a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce","token_estimate":352,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-august-6-2020.pdf"]},"text":"Technology Manager Release Notes\n\nAugust 6, 2020\n\nTechnology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae\napplications. Registered users can view and modify their user profile and security information, and company designated\nadministrators can assign various applications to their users.\n\nWhat's new in this release?\n\nTechnology Manager now provides a self-serve functionality to manage password resets for Administrator-managed\norganizations. Administrator-managed Users will be able to access this feature and perform the following actions:\n\n1. External Fannie Mae technology Users initiate the password reset process through the self-serve password reset tool.\n\nUpon validating their User ID through a temporary one-time passcode, an email is sent to their assigned Administrator(s)\nnotifying them of their request.\n\n2. Administrators have the option to approve or deny a User’s request within Technology Manager.\n3. Users are notified if their request is approved/denied via email. If approved, the User can reset their password without\n\nhaving to answer a security question or supplying a PIN.\n\n4. Administrators can reset their own passwords using the self-serve password reset tool without requiring approval from\n\nother individuals/roles.\n\nView a side-by-side comparison of the old and new process.\n\n© 2020 Fannie Mae 9.23.20 Page 1 of 1\n"}
diff --git a/chunks/json/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.json b/chunks/json/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.json
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index 0000000000000000000000000000000000000000..f19f52696b216a15402b078987aad30cfbb27c83
--- /dev/null
+++ b/chunks/json/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7243,"char_start":5325,"chunk_id":"chk_e623b7ff6620d4f0","chunk_index":6,"chunk_sha256":"a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"• The addition of a data point to capture the annual percentage rate (APR) for adjustable-rate\n\nmortgages (ARMs) with interest rate changes within the first five years.\n\n• Enumeration Changes\n\no Change to valid enumerations for mortgage insurance company names to support\n\nGenworth’s name change to Enact.\n\no Addition to valid values accepted for taxes and other government fees\n\n• Table of changes to existing requirements communicated in the UCD Specification v1.5 as a\n\nresult of the implementation of critical edits.\n\nN O T E : Fannie Mae and Freddie Mac (the GSEs) are discussing when an update to the UCD\nSpecification v1.5 will be published.\n\nNew Data Point\n\nOverview\nOn December 29, 2020, the Consumer Financial Protection Bureau (CFPB) revised the General\nQualified Mortgage (QM) loan definition in an amendment to the Truth in Lending Act’s (TILA)\ninterpretive regulation, Regulation Z. The GSEs have worked together to align on certain policies to\nimplement QM requirements, as well as requirements related to loans that are exempt from the TILA or\nthe Ability-to-Repay Rule.\n\nIn response to the policy changes under the revised General QM Rule, the GSEs have identified the\nneed for an additional UCD data point that covers the Annual Percentage Rate (APR) data point\nspecifically for Short Reset ARMs – ARMs that have an interest rate change within the first five years\nafter the date on which the first regular periodic payment is due.\n\nRequirement\nRegulation Z Section: Section 12 C.F.R. § 1026.43(e)(2)(iv)\n\nData Point: gse:QualifiedMortgageShortResetARM_APRPercent\n\nDefinition: The annual percentage rate for the loan based on the accepted industry standard defined\nby Regulation Z (Section 12 C.F.R. § 1026.43(e)(2)(iv)) used for QMs that have an interest rate\nchange within the first five years after the date on which the first regular periodic payment is due (e.g.,\n3/6 and 5/6 SOFR-indexed ARMs).\n"}
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--- /dev/null
+++ b/chunks/json/a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":72949,"char_start":71340,"chunk_id":"chk_36de3c74c769bf5b","chunk_index":43,"chunk_sha256":"a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\n39\n\n1\n\n38\n\nSUBJECT\n\n40\n\n1\n\n39\n\nSUBJECT\n\nIs the subject property\ncurrently offered for sale\nor has it been offered for\nsale in the twelve months\nprior to the effective date\nof the appraisal?\nYes\nIs the subject property\ncurrently offered for sale\nor has it been offered for\nsale in the twelve months\nprior to the effective date\nof the appraisal?\nNo\n\nListed Within\nPrevious Year\nIndicator\n\nIndicates that the property has been\nlisted within the previous twelve (12)\nmonths.\n\n/VALUATION_RESPONSE/PROPERTY/LIST\nING_HISTORY[@ListedWithinPreviousYearIn\ndicator='Y']\n\nListed Within\nPrevious Year\nIndicator\n\nIndicates that the property has been\nlisted within the previous twelve (12)\nmonths.\n\n/VALUATION_RESPONSE/PROPERTY/LIST\nING_HISTORY[@ListedWithinPreviousYearIn\ndicator='N']\n\n41\n\n1\n\ne-2\n\nSUBJECT\n\nReport data source(s)\nused, offering price(s),\nand date(s).\n\nGSE Days On\nMarket Description\n\nThe total number of continuous days\nfrom the date that a property is listed\nor advertised for sale through the date\nthat it is taken off the market or\ncontracted for sale.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEDaysOnMarketDescription\n\n42\n\n1\n\n40\n\nSUBJECT\n\nReport data source(s)\nused, offering price(s),\nand date(s).\n"}
diff --git a/chunks/json/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.json b/chunks/json/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.json
new file mode 100644
index 0000000000000000000000000000000000000000..ecb5263c16ca57c5d50c766557621ef49b96c210
--- /dev/null
+++ b/chunks/json/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.json
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+{"chunk":{"char_end":13708,"char_start":11992,"chunk_id":"chk_0e7e1ee2ac29bebe","chunk_index":9,"chunk_sha256":"a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"$ N. Due from Seller at Closing\n$\n$\n$\n$\n$\n\nExcess Deposit\nClosing Costs Paid at Closing (J)\nExisting Loan(s) Assumed or Taken Subject to\nPayoff of First Mortgage Loan\nPayoff of Second Mortgage Loan\n\n12.6 Other Credits\n12.6.2 Gift, Grant, Rebate, Purchase Credit Closing Adjustment Item 12.6.3\n\n$\n\nSeller Credit\n\n12.7 Adjustments\n12.7.2 Closing Adjustment Item\n\n12.7.3\n\n$\n\n12.7.4 Adjustments for Items Unpaid by Seller\n12..8 City/Town Taxes Date to Date\n12.9 County Taxes Date to Date\n12.10 Assessments Date to Date\n12.11 Additional Items Date to Date\n\n12.8.1\n12.9.1\n12.10.1\n12.11.1\n\n$\n$\n$\n$\n\nAdjustments for Items Unpaid by Seller\nCity/Town Taxes to\nCounty Taxes to\nAssessments to\nAdditional Items to\n\n13.0 CALCULATION\n\nCALCULATION\n\n13.1 Total Due from Borrower at Closing (K)\n13.1.1\n13.2 Total Paid Already by or on behalf of Borrower at Closing (L) 13.2.1\n\n$\n-$\n\nTotal Due to Seller at Closing (M)\nTotal Due from Seller at Closing (N)\n\n13.3 Cash to Close From (if +) To (if -) Borrower\n\n13.3.1\n\n$\n\nCash to Close From To Seller\n\nCLOSING DISCLOSURE\n\nPAGE 3 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Model Disclosure\n\nAdditional Information About This Loan\n\nLoan Disclosures\n\n17.0\n\n17.1 Assumption\nIf you sell or transfer this property to another person, your lender\n will allow, under certain conditions, this person to assume this\n\n18.0 Escrow Account\nFor now, your loan\n18.1  will have an escrow account (also called an “impound” or “trust”\n\nloan on the original terms.\n\n will not allow assumption of this loan on the original terms.\n\n17.2 Demand Feature\nYour loan\n has a demand feature, which permits your lender to require early\nrepayment of the loan. You should review your note for details.\n"}
diff --git a/chunks/json/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.json b/chunks/json/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.json
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index 0000000000000000000000000000000000000000..05d984ddd75a49c6928f729f939b6463c2421ec7
--- /dev/null
+++ b/chunks/json/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.json
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+{"chunk":{"char_end":63264,"char_start":61454,"chunk_id":"chk_4e188d3b2cd78e0b","chunk_index":16,"chunk_sha256":"a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a","token_estimate":453,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8. Unique ID: In Appendix I, the unique number in nnn.nnn format assigned to each instance of a MISMO data\n\npoint. For example: 1.001 for IntegratedDisclosureIssuedDate.\n\n9. MISMO v3.3.0 Context: In Appendix I excerpts, an abbreviated location of the data point within the MISMO\nv3.3.0 schema consisting of the container(s) closest to the data point. The expression “…/” indicates that\nthese containers follow the rest of the XPath to the data point (see Figure 1).\n\n10. MISMO v3.3.0 Container Name. The term name of a complex XML data element that “holds” either other\ncontainer(s) or data points/attributes, but not both at once. Container names used within the body of this\ndocument are presented in italicized upper case with an underscore between each word. For example:\nLOAN_DETAIL, LEGAL_ENTITY. If a container is a MISMO v3.3.0 EXTENSION, its name is preceded by “gse:”.\n\nAppendix E: UCD Implementation Guide\n\nPage 11 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nII. Document Structure\n\n11. MISMO v3.3.0 Data Point / Attribute Name: In Appendix I, the term name of the data point or attribute\n\nconveying the Form Field Entry on the Closing Disclosure. MISMO v3.3.0 data point or attribute names used\nwithin the body of this document are presented in italicized UpperCamelCase.3 For example:\nFeeTypeOtherDescription. Attribute names are preceded by “@”. If a data point is a MISMO v3.3.0\nEXTENSION, the data point name is preceded by “gse:”. If an attribute is an EXTENSION, “@” is followed\nimmediately by “gse:” For example: “@gse:”.\n\n12. MISMO v3.3.0 enumerations or valid values used within the body of this document are presented double\nquotes in italicized UpperCamelCase. Enumerations are often preceded by their data point name and the\nequals sign (=). For example: FeeType = “CreditReportFee”.\n"}
diff --git a/chunks/json/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.json b/chunks/json/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.json
new file mode 100644
index 0000000000000000000000000000000000000000..3463ab55899e5f23303cffbe5ac61e822bc45a80
--- /dev/null
+++ b/chunks/json/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14497,"char_start":12914,"chunk_id":"chk_acf8aa966b12d40b","chunk_index":7,"chunk_sha256":"a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"[Freddie Mac Single Security and Common Securitization Platform (CSP) Web page​](https://capitalmarkets.freddiemac.com/mbs/mortgage-securities/faqs)\n\n[Image\n\n![Timeline Thumbnail Ellipses 2017](/sites/default/files/styles/large/public/2023-05/Timeline_thumbnail_ellipses_2017.png?itok=kcJVGAuV)](/media/52341)\n\n*As of June 3, 2019.*\n\n*View*[*printable PDF of Timeline*](/document/ssi-csp-timeline.pdf)\n\n[Image\n\n![Deemed Issuance Ratio Table](/sites/default/files/styles/large/public/2023-05/Deemed-Issuance-Ratio-Table_2.png?itok=Q3Ai0Kpa)](/node/2541) *As of November 30, 2020.*\n\n*View [Deemed-Issuance Ratio for Internal Revenue Code (IRC) Section 817(h)](/policy/deemed-issuance-ratio)*\n\n*View [printable PDF of Deemed-Issuance Ratio](/document/deemed-issuance-ratio-2021)*\n\n- **[Video - Single Security Initiative](/news/videos/preparing-for-the-single-security)**\n\n[Image\n\n![ssi csp video thumbnail](/sites/default/files/styles/landscape_large_520_x_390_/public/2023-12/ssi-csp_video_thumbnail.png?h=666a669e&itok=o_C3uwiU)](/news/videos/preparing-for-the-single-security)\n\n- **[Implementation Schedule](/media/33576)**\n\n[Image\n\n![Illustrative Implementation Schedule](/sites/default/files/styles/large/public/2023-05/Illustrative_Implementation_Schedule_1.png?itok=SJ9nPDGW)](/media/33576)\n\n**Related Documents:**\n\n**2017**\n\nFHFA News Release: [FHFA Announces Timing for Implementation of Release 2 of the Common Securitization Platform](/news/news-release/fhfa-announces-timing-for-implementation-of-release-2-of-the-common-securitization-platform) (03/23/2017)\n"}
diff --git a/chunks/json/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.json b/chunks/json/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.json
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index 0000000000000000000000000000000000000000..e0fb6a5ffc2c41467f031011a3042439b42a6208
--- /dev/null
+++ b/chunks/json/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":420696,"char_start":419077,"chunk_id":"chk_3d7ff94b88ad6307","chunk_index":246,"chunk_sha256":"a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the zoning regulations allow\nthe property to rebuild to the current\ndensity.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr\nentDensityIndicator='Y']\n\n1\n\nBoolean\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n95\n\nPROJECT SITE\n\nDo the zoning regulations\npermit rebuilding to current\ndensity?\nNo\n\nSite Zoning Permit\nRebuild To\nCurrent Density\nIndicator\n\nIndicates that the zoning regulations allow\nthe property to rebuild to the current\ndensity.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr\nentDensityIndicator='N']\n\nPROJECT SITE\n\nZoning Compliance\nNo Zoning\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of the\nsubject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='No\nZoning']\n\nPROJECT SITE\n\nZoning Compliance\nIllegal\n\nSite Zoning\nCompliance Type\n\nIndicates the level of compliance of the\nsubject Site to zoning regulations.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='Ille\ngal']\n\n1\n\n13\n\n13\n\nBoolean\n\nEnumerated\n\nEnumerated\n\nPROJECT SITE\n\nZoning Compliance\nIllegal (describe)\n\nSite Zoning\nCompliance\nDescription\n\nA free-form text field describing any\nissues concerning how the site complies\nwith zoning regulations including\nlimitations on future development.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningComplianceDescriptio\nn\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n"}
diff --git a/chunks/json/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.json b/chunks/json/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.json
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+++ b/chunks/json/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28712,"char_start":26814,"chunk_id":"chk_e3809bf0630ed7dc","chunk_index":15,"chunk_sha256":"a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da","token_estimate":474,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Man-in-the-Middle** – Man-in-the-middle attacks involve an attacker intercepting communication between two parties either to secretly eavesdrop or modify traffic traveling between the victims. Attackers commonly use man-in-the-middle attacks to steal login credentials, personal or financial information, spy, sabotage communications, or corrupt data.\n\n**Phishing** – Posing as a legitimate institution, fraudsters contact a target via email, telephone, or text message to lure individuals into providing sensitive data such as financial data, personally identifiable information, passwords, or other data such as mortgage information.\n\n**SIM Swap Attack** – Fraudsters deceive a mobile phone carrier into transferring a user's phone number to a fraudster's SIM card, allowing attacker to access a variety of information linked to a victim's mobile phone. SIM Swap is particularly dangerous if combined with misappropriated victim login credentials where the victim’s phone number is used to access sensitive data via dual factor authentication.\n\n**SQL Injection**– A SQL injection is a type of security exploit in which the attacker adds Structured Query Language (SQL) code to a web form input box to gain access to unauthorized resources or make changes to sensitive data. The SQL query requests that some malicious action is performed on the database and may expose intellectual property, the personal or financial information of customers, administrative credentials, or private business details.\n\n**Supply Chain Attack** – Supply chain attacks target less secure elements of a victim’s software or hardware supply chain network, typically by tampering with the manufacturing process of a product by installing a rootkit or hardware-based spying components. Supply chain attacks may target login credentials, personal or financial information, private communications, or sensitive data.\n"}
diff --git a/chunks/json/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.json b/chunks/json/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd9218946fea643bd90b6be44b955d3c13416150
--- /dev/null
+++ b/chunks/json/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":693060,"char_start":691386,"chunk_id":"chk_d255211486087893","chunk_index":410,"chunk_sha256":"a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/@_City\n\n10\n\n1\n\n9\n\nSUBJECT\n\nState\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nAllowable Value\nFNM1004\nFNM1073\nFNM1075\nFNM2055\n\nNote: the values shown above are Fannie Mae form numbers. The comparable forms\nare:\nFannie Mae 1004/ Freddie Mac 70\nFannie Mae 2055/ Freddie Mac 2055\nFannie Mae 1073/ Freddie Mac 465\nFannie Mae 1075/ Freddie Mac 466\nAll addenda must be included in a single embedded file. The embedded file must be in\nPortable Document Format (.pdf) with Base64 encoding.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n"}
diff --git a/chunks/json/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.json b/chunks/json/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.json
new file mode 100644
index 0000000000000000000000000000000000000000..39ffe19d11e01332f1feb1710bb43ee4ee5fc810
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+++ b/chunks/json/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9948,"char_start":8250,"chunk_id":"chk_6dfcdabebc3ad717","chunk_index":5,"chunk_sha256":"a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4","token_estimate":425,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Site Exhibits\n\nProperty Access (Street Scene) - Public Street\n\nSite Influence - Agricultural\n\nThis is where the Property Access photo would display.\n\nThis is where the Site Influence photo would display.\n\nView - Pastoral\n\nThis is where the View photo would display.\n\nEnergy Efficient and Green Features\n\nRenewable Energy Component\nSolar\n\nOwnership\nLeased\n\nKnown Building Certifications\n\nNone\n\nGreen/Energy Efficiency Rating\nOrganization\nRESNET\n\nDOE\n\nRating\nHERS\n\nHome Energy Score\n\nFinancing Arrangement\n\nScore\n65\n\n7\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 23\n\nEnergy Efficient and Green Features (continued)\n\nCheck #A\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nDescription The solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is\nsold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference\nof any purchaser of the property.\n\nEnergy Efficient and Green Features Commentary\n\nThe Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion\nof market value for the subject. The subject and comparable sales #1 - #3 have all undergone recent updates and remodels using more recent\nenergy efficient components and methods than when they were originally constructed. Analysis of the data available indicates there is no\nmeasurable impact on market value.\n"}
diff --git a/chunks/json/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.json b/chunks/json/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.json
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index 0000000000000000000000000000000000000000..3a6d19887f38a16c9ac5a4088b2d70a393e82ea0
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+++ b/chunks/json/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37661,"char_start":35288,"chunk_id":"chk_02062bb0c65f0526","chunk_index":19,"chunk_sha256":"a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9","token_estimate":593,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"The HMDA instructions do\n\ndistinguish, for purposes of some data\nelements, between insured depository\ninstitutions that are loan purchasers and\nthose that are loan originators. Fannie\nMae and Freddie Mac, because they are\nnot insured depository institutions, do\nnot have any status under HMDA, either\nas originators or as purchasers. But they\nare, as a result of their activities, in\npossession of HMDA data elements for\nthe loans that they purchase. In its role\nas the agency charged with\nadministering the Safety and Soundness\nAct, FHFA, by this Order, is identifying\nthe data elements that must be reported\nand included in the PUDB. Since the\nEnterprises have been collecting and\nreporting single-family lien status data,\nFHFA is requiring the Enterprises to\ncontinue reporting that data for\ninclusion in new data field 59 for lien\nstatus in the single-family Census Tract\nFile. FHFA has populated the data field\nusing the lien status data reported for\ndata field 22 (purpose of loan), and will\ndo the same for subsequent years.\n\n2. Data Elements Currently Collected\nand Reported But Not Previously\nIncluded in the PUDB\n\na. Single-Family Data Field 56: Rate\nSpread\n\nThis new data field designates the\n\ndifference between the annual\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00046 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41185\n\npercentage rate (APR) and the\napplicable Treasury rate (see the Truth\nin Lending regulations at 12 CFR part\n226 (Regulation Z)) for single-family\nmortgages purchased by the Enterprises.\nThe Enterprises have been reporting rate\nspread data for single-family mortgages,\nbut this data was not previously\nincluded in the PUDB. Fannie Mae\nrequested that the PUDB include ‘‘not\napplicable’’ as an allowable value for the\nsingle-family rate spread data field, on\nthe basis that HMDA does not require\nthe disclosure of rate spread information\nfor single-family rate spreads falling\nbelow specified thresholds (equal to or\ngreater than 3 percentage points for first\nlien loans, or 5 percentage points for\nsubordinate lien loans). In addition,\nFannie Mae stated that HMDA does not\nrequire purchasers to disclose rate\nspread information. Freddie Mac\nexpressed similar views.\n"}
diff --git a/chunks/json/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.json b/chunks/json/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.json
new file mode 100644
index 0000000000000000000000000000000000000000..e2720c936a8c7d60f88ef8015f79c02f91c90ae7
--- /dev/null
+++ b/chunks/json/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":97769,"char_start":95643,"chunk_id":"chk_2762f1a033766fa6","chunk_index":52,"chunk_sha256":"a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96","token_estimate":532,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"FHFA the mortgage data elements\nrequired to populate the data fields\ndescribed in the single-family and\nmultifamily matrices for inclusion in\nthe 2018 PUDB no later than four weeks\nfrom the date of this Order, pursuant to\ninstructions issued by FHFA staff, and\nshall provide such data elements\nannually thereafter to FHFA for future\nPUDBs in accordance with applicable\nFHFA regulations and any additional\ninstructions issued by FHFA staff;\n3. This Order modifies the FHFA\nOrder on the Public Use Database for\nEnterprise Mortgage Purchases, dated\nJuly 1, 2010 (75 FR 41180, 41189) (July\n15, 2010), and the FHFA Order on\nRevisions to Enterprise Public Use\nDatabase Incorporating High-Cost\nSingle-Family Securitized Loan Data\nFields and Technical Data Field\nChanges, dated Sept. 21, 2011 (76 FR\n60031, 60036) (Sept. 28, 2011); and\n\n4. A new 2018 PUDB shall be released\n\nby FHFA containing the data elements\n\nfor loans acquired by the Enterprises in\n2018 added by this Order, replacing the\ninterim PUDB released on September\n23, 2019, which does not include the\nnew HMDA data elements or Duty to\nServe geographic indicators.\n\nIt is so ordered, this the 27th day of\n\nMay, 2020.\n\nThis Order is effective immediately.\n\nSigned at Washington, DC, this 27th day of\n\nMay, 2020.\nMark A. Calabria,\nDirector, Federal Housing Finance Agency.\n[FR Doc. 2020–11819 Filed 6–2–20; 8:45 am]\n\nBILLING CODE 8070–01–P\n\nFEDERAL MARITIME COMMISSION\n\nNotice of Agreements Filed\n\nThe Commission hereby gives notice\nof the filing of the following agreements\nunder the Shipping Act of 1984.\nInterested parties may submit\ncomments, relevant information, or\ndocuments regarding the agreements to\nthe Secretary by email at Secretary@\nfmc.gov, or by mail, Federal Maritime\nCommission, Washington, DC 20573.\nComments will be most helpful to the\nCommission if received within 12 days\nof the date this notice appears in the\nFederal Register. Copies of agreements\nare available through the Commission’s\nwebsite (www.fmc.gov) or by contacting\nthe Office of Agreements at (202) 523–\n5793 or tradeanalysis@fmc.gov.\nAgreement No.: 012426–005.\nAgreement Name: The OCEAN\n"}
diff --git a/chunks/json/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.json b/chunks/json/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..980e48cff6f98561be33169a68979caa557f50ef
--- /dev/null
+++ b/chunks/json/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":853563,"char_start":851949,"chunk_id":"chk_80ecdad9446dc9c7","chunk_index":507,"chunk_sha256":"a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Comparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable property\nhas prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator='Y']\n\nComparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable property\nhas prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator='N']\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/RESEARCH/COMPARABLE/@DataSourceDescription\n\nPRIOR SALE\nHISTORY\n\nDate of Prior Sale/Transfer\nSUBJECT\n\nGSE Prior Sale Date\n\nThe date of the prior sale of the subject or\ncomparable properties.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/P\nRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte\nnsionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa\nleDate\n\nPRIOR SALE\nHISTORY\n\nPrice of Prior Sale/Transfer\nSUBJECT\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@\nPropertySalesAmount\n\n1\n\n1\n\n150\n\n1\n\n1\n\n150\n\n10\n\n9\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nString\n\nThis field should indicate the data sources for the subject prior sale history.\n"}
diff --git a/chunks/json/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.json b/chunks/json/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.json
new file mode 100644
index 0000000000000000000000000000000000000000..639f9acc00c827b81f37ce9ae73c4e6a2b8bd992
--- /dev/null
+++ b/chunks/json/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13899,"char_start":12094,"chunk_id":"chk_4c2df7f10e14dc7e","chunk_index":7,"chunk_sha256":"a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19","token_estimate":491,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.md"]},"text":"Population Aggregation/ Geographic Level Metric Link Latest Update Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate [Quarterly National Enterprise Accept Rates](/data/dashboard/enterprise-aus-quarterly-national-accept-rate) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Gap [Quarterly National Enterprise Accept Rate Gaps](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-gap) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Ratio [Quarterly National Enterprise Accept Rate Ratio](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-ratio) 4/29/2024 Enterprise Loan Acquisitions and Fundings Quarterly National Time Series Share of Loan Acquisitions [Quarterly Acquisition Share](/data/dashboard/enterprise-quarterly-national-share-of-loan-acquisitions) 4/29/2024 **Download**: [Fair Lending aggregate data and documentation](/document/fair-lending-data-files) [ZIP - 266 KB]\n\nPage Last Updated: February 21, 2024​​​​​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}
diff --git a/chunks/json/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.json b/chunks/json/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.json
new file mode 100644
index 0000000000000000000000000000000000000000..9ec9b21329d9159945670baf536a83852ffd4fc0
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+++ b/chunks/json/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.json
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+{"chunk":{"char_end":13673,"char_start":10367,"chunk_id":"chk_cf77cfb0b27d3f10","chunk_index":6,"chunk_sha256":"a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ad59aee898368d7c","text_sha256":"a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120","token_estimate":1028,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Deemed_Issuance_Ratio___FHFA_982lik.md"]},"text":"Leave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/2541\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.json b/chunks/json/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb0cd8c9facfa37ccdf98d3d49efe65d1ed31f99
--- /dev/null
+++ b/chunks/json/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":52790,"char_start":51181,"chunk_id":"chk_06b3ab09242f9824","chunk_index":46,"chunk_sha256":"a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Display “FHA Appraiser ID” when\nGovernmentAgencyAppraisalType =\"FHA\"\nDisplay “VA Appraiser ID” when\nGovernmentAgencyAppraisalType = \"VA\"\n\nDisplay when GovernmentAgencyAppraisalType = \"VA\"\nAlways displays report label when\n\nGovernmentAgencyAppraisalType = “VA”\n\nSupervisory Appraiser\n\nInformation about the Supervisory Appraiser, PartyRoleType (UID: 2200.0085, FID: Not on report) = “AppraiserSupervisor” displays when provided. If there\nis no Supervisory Appraiser, the subsection does not display.\n\nNote: To easily find data points in the Completion Report Specification, search for\n“Supervisory Appraiser” under the “Additional Context” column.\n\nPage 45\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n08.028\n\nName\n\n2200.0137 FirstName\n\n2200.0139 MiddleName\n\n2200.0138\n\nLastName\n\n2200.0140 SuffixName\n\n08.029\n\nDesignation\n\n2400.0486 AppraiserDesignationType\n\n08.030\n\nCompany Name\n\n2400.0482 AppraiserCompanyName\n\n08.031\n\nCompany Address\n\n2400.0477 AddressLineText\n\n2400.0478 CityName\n\n2400.0480 StateCode\n\n2400.0479 PostalCode\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report) =\n“AppraiserSupervisor” …\n\n… displays\n\nDisplay when provided\n\n… displays\n\nDisplay when provided\n\nDisplay when provided\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n08.032\n\nExterior\n\n08.033\n\nInterior\n\n2400.0511 PropertyExteriorInspectionMethodType\n\n… displays\n\n2400.0512 PropertyInteriorInspectionMethodType\n\n… displays\n"}
diff --git a/chunks/json/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.json b/chunks/json/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.json
new file mode 100644
index 0000000000000000000000000000000000000000..66bf744b3a4a4d6c5960db0c4176fba225c0d83d
--- /dev/null
+++ b/chunks/json/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6532,"char_start":4856,"chunk_id":"chk_b63d6a90da124ff2","chunk_index":3,"chunk_sha256":"a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2025-002\n\n22 Sales\nComparison\nApproach\n\nCorrected the ‘Allowable Answers / Format’ column:\n• Additional Row in the Unit(s) subsection (22.07.14, 22.07.44)\n• Amenity Type for Outdoor Accessories (22.12.01, 22.12.06)\n• Amenity Type for Outdoor Living (22.12.02, 22.12.08)\n• Amenity Type for Water Features (22.12.03, 22.12.10)\n• Amenity Type for Whole Home (22.12.04, 22.12.12)\n• Amenity Type for Miscellaneous (22.12.05, 22.12.14)\nClarified the ‘Definition / Additional Guidance’ column:\n• Amenity Count for Whole Home (22.12.04, 22.12.12)\n\n2025-042\n\nCorrected text in Water Frontage with Private Access and corrected the ‘When to Include for each Comparable’ column for\nProperty Has Private Access Rights to the Body of Water to align with Appendix A-1.\n\n24 Income\nApproach\n\n2025-015 Corrected the Grayed Out Cells snippet for Proximity to Subject less than one mile.\n\n2025-002 Clarified the ‘Definition / Additional Guidance’ column for Gross Monthly Rent (24.007-24.019).\n\n2025-038 Clarified the ‘Definition / Additional Guidance’ column for Effective Date of Appraisal (26.011).\n\n26: Reconciliation\n\n2025-053 Corrected the REO snippet for Examples: Client Requested Conditions to remove Contract Price.\n\n29 Certifications\nand Scope of Work\n\nAppendix 3: ANSI\nExamples\n\nAppendix 4:\nDetached Garage\nExamples\n\n2025-002 Corrected the ‘Definition / Additional Guidance’ column for Reconciliation of Market Value (26.019).\n\n2025-036\n\nSee Appendix C-1 for all possible Certifications and Scope of Work text that may display.\n\n2025-011\n\nExample 1: Corrected the Unit Interior snippet to display Below Grade Exterior Access as Walk Up, and added example of\nSales Comparison Approach.\n"}
diff --git a/chunks/json/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.json b/chunks/json/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.json
new file mode 100644
index 0000000000000000000000000000000000000000..2301be01f22e7163756e5ece5ca38c86ec0c1216
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+++ b/chunks/json/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8533,"char_start":7072,"chunk_id":"chk_74586ad3af3eef16","chunk_index":4,"chunk_sha256":"a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_46caa6c58c5a5fc7","text_sha256":"a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![Laptop with various financial graph overlay](/sites/default/files/styles/desktop_hero/public/2023-09/fintech-web_0.jpg.webp?h=344087a7&itok=vAQnZQAS)\n\n# Financial Technology (FinTech)\n\n## Breadcrumb\n\n- [Home](/)\n - [Programs](/programs)\n - Financial Technology (FinTech)\n"}
diff --git a/chunks/json/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.json b/chunks/json/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e59d8d221c3eb005f3e0c325429eb1651749ff8
--- /dev/null
+++ b/chunks/json/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15450,"char_start":13351,"chunk_id":"chk_28fedb73c0a52f36","chunk_index":8,"chunk_sha256":"a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82","token_estimate":525,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal\nassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do\nnot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s\ncontinuing education or membership in an appraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the\nreporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a visual inspection of\nthe exterior areas of the subject property from at least the street, (2) inspect the neighborhood, (3) inspect each of the\ncomparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,\nand (5) report his or her analysis, opinions, and conclusions in this appraisal report.\n\nThe appraiser must be able to obtain adequate information about the physical characteristics (including, but not limited to,\ncondition, room count, gross living area, etc.) of the subject property from the exterior-only inspection and reliable public\nand/or private sources to perform this appraisal. The appraiser should use the same type of data sources that he or she\nuses for comparable sales such as, but not limited to, multiple listing services, tax and assessment records, prior\ninspections, appraisal files, information provided by the property owner, etc.\n"}
diff --git a/chunks/json/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.json b/chunks/json/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.json
new file mode 100644
index 0000000000000000000000000000000000000000..e67005597534667b74789a5264e5b1c2d6715ed9
--- /dev/null
+++ b/chunks/json/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1173,"char_start":0,"chunk_id":"chk_a9344c7dd9695431","chunk_index":0,"chunk_sha256":"a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5770a90ff6b9d1a0","text_sha256":"a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517","token_estimate":293,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-b2b-gateway-cloud-migration-integration-impact-memo-july-13-2022.pdf"]},"text":"Uniform Closing Dataset Integration Impact Memo\nB2B Gateway Cloud Migration\n\nDear Integrated Partner,\n\nEffective Sept. 30, 2022, Fannie Mae will migrate the B2B Gateway from an on-premise application to the cloud. This migration\nwill require new IP addresses and implement security protocols that all integrated partners must follow to ensure successful\nUniform Closing Dataset (UCD) XML file submissions to the UCD Collection Solution.\n\nJuly 13, 2022\n\nPlease ensure there are adequate resources within your company to test file submissions to the UCD Collection Solution before\nthe B2B cloud migration implementation date to prevent any business impacts to the loan delivery process. External user testing\nwill be available later this month.\n\nWe will provide details on the new IP addresses and testing requirements in the coming weeks.\n\nAdditional information\nPlease contact your account representative for assistance or submit your questions to our UCD Integration mailbox: ucd-\nintegration@fanniemae.com. For more information on UCD, visit the Fannie Mae UCD and UCD Collection Solution pages.\n\n© 2022 Fannie Mae.\n\nConfidential - Internal Distribution\n\n7.7.2022 1 of 1\n"}
diff --git a/chunks/json/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.json b/chunks/json/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.json
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index 0000000000000000000000000000000000000000..015070f1f9662122af073370c01e7eba539a35f7
--- /dev/null
+++ b/chunks/json/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":586829,"char_start":585095,"chunk_id":"chk_499a8076d10de3b0","chunk_index":346,"chunk_sha256":"a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Extra Item Feature Description\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\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\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\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][1]/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][2]/@_TypeOtherDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][2]/@_Description\n\nExtra Item Feature Name\n\nSale Price\nAdjustment Type\nOther Description\n\nA free form text field used to capture\nadditional information when Other is\nselected for Sale Price Adjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][3]/@_TypeOtherDescription\n\nExtra Item Feature Description\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"}
diff --git a/chunks/json/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.json b/chunks/json/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.json
new file mode 100644
index 0000000000000000000000000000000000000000..5fc4ec02269252f979e74bd21ac4dcbfa13286ed
--- /dev/null
+++ b/chunks/json/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":280815,"char_start":279200,"chunk_id":"chk_a9c9f1a7a82d4647","chunk_index":149,"chunk_sha256":"a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"No jurisdiction need be identified for Recording Fees. Follow steps 3 and 4 above to complete the line item.\n\nAppendix E: UCD Implementation Guide\n\nPage 127 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nFigure 82. Taxes and Other Government Fees\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of FEE\n\n8.2.1 Deed: ($)\n\n…/FEE/FEE_DETAIL\n\nFeeActualTotalAmou\nnt\n\n40.00\n\nROF as “$40.00”\n\n8.2 Deed:\n\n8.2 N/A – XML\n\nFeeType\n\nRecordingFeeForDee\nd\n\nROF as “Deed:”\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\n8.2.1 Mortgage: ($)\n\n…/FEE/FEE_DETAIL\n\nFeeActualTotalAmou\nnt\n\n45.00\n\nROF as “$45.00”\n\nSecond Instance of FEE\n\n8.2 Mortgage:\n\n8.2 N/A – XML\n\n8.2\n\nRecording Fees\n\n8.2 N/A - XML\n\n8.2.2 Recording Fees -\nBorrower-Paid At\nClosing ($)\n\n8.2.2 Borrower-Paid\n\n8.2.2 At Closing\n\nFeeType\n\nRecordingFeeForMor\ntgage\n\nROF as “Mortgage:”\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\nThird Instance of FEE\n\n…/FEE/FEE_DETAIL\n\nFeeType\n\nRecordingFeeTotal\n\nROF as “Recording\nFees”\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\n…/FEE/FEE_PAYMEN\nTS/FEE_PAYMENT\n\nFeeActualPaymentA\nmount\n\n85.00\n\nROF as “$85.00”\n\nFeePaymentPaidByTy\npe\n\nBuyer\n\nFeePaymentPaidOuts\nideOfClosingIndicator\n\nfalse\n\nFourth Instance of FEE\n\nROF as “Borrower-\nPaid”\n\nROF as “At Closing”\n\n8.3\n\nTransfer Taxes\n\n…/FEE/FEE_DETAIL\n\nFeeType\n\nTransferTaxTotal\n\n8.3\n\nTransfer Taxes\n\n8.3 N/A - XML\n\n8.3.1 Transfer Taxes to\nState of Maryland\n\n…/FEE/FEE_PAID_TO\n/LEGAL_ENTITY/LEGA\nL_ENTITY_DETAIL\n\n@gse:DisplayLabelTe\nxt\n"}
diff --git a/chunks/json/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.json b/chunks/json/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.json
new file mode 100644
index 0000000000000000000000000000000000000000..d33097e059b29d00b05821ab58d9f01e713559ef
--- /dev/null
+++ b/chunks/json/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34399,"char_start":32722,"chunk_id":"chk_75bbc8b979bd7c75","chunk_index":16,"chunk_sha256":"a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Example III-2. MISMO LDD Data Point Definitions.\n\nData Point: PriceLockDateTime\nDefinition: The date and time on which the agreement to lock a price was made.\n\nNotes: The MISMO definition is non-specific as this term could be used in a variety of\nindustry processes. Business partners need to provide detailed guidance on\nhow to interpret and use data points that are so broadly defined.\n\n8 The following MEGs govern the format and naming of LDD Term Names (approved acronyms, data points, valid\nvalues, and containers) and can be selected from the MISMO Web site at http://www.mismo.org/specs/v30-\ncandidate-recommendation.html: MEG 0008a_v1_2 (List of Approved Acronyms), MEG 0011 v1.0 (Term Name\nStructure), and MEG 0021 v1.1 (Term Name, Enumerated Value & Container Name Representation).\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 9 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\na. Calculated Results Fields\n\nSome MISMO definitions end with the phrase, “CALCULATED RESULTS\nFIELD.” This designation means that the associated data point can be calculated\n(as described in the definition) from other data points existing in the LDD.\nCalculated Results Fields are designated so that they can be used by business\npartners who may not have access to the required component data points or whose\ndownstream systems do not require use of the component data points.9 Because\nthis phrase has caused some confusion with business partners, the GSEs removed it\nfrom the MISMO definitions published in the ULDDS and GSE-specific\nImplementation Guides.\n"}
diff --git a/chunks/json/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.json b/chunks/json/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.json
new file mode 100644
index 0000000000000000000000000000000000000000..6e4e8f86b2828806a6c77347a7fd5033c1670280
--- /dev/null
+++ b/chunks/json/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":228927,"char_start":227221,"chunk_id":"chk_c78bad3034fcb0af","chunk_index":129,"chunk_sha256":"a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</FEE_PAYMENT>\n </FEE_PAYMENTS>\n</FEE>\n\n<!-- E. Taxes and Other Government Fees – Recording Fee for Deed -->\n\n<FEE>\n <FEE_DETAIL>\n\n<FeeActualTotalAmount>40.00</FeeActualTotalAmount>\n <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>\n <EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType>RecordingFeeForDeed</ucd:FeeItemType>\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n\n</FEE_DETAIL>\n </FEE>\n\n<!-- E. Taxes and Other Government Fees – Recording Fee for Mortgage -->\n\n<FEE>\n <FEE_DETAIL>\n\n<FeeActualTotalAmount>45.00</FeeActualTotalAmount>\n <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>\n <EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType>RecordingFeeForMortgage</ucd:FeeItemType>\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n\n</FEE_DETAIL>\n </FEE>\n\n<!-- E. Taxes and Other Government Fees – Recording Fee Total -->\n\n<FEE>\n <FEE_DETAIL>\n <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>\n\nUCD v2.0 Implementation Guide\n\n- 99 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.\n\n<EXTENSION>\n <OTHER>\n\n<ucd:FEE_DETAIL_EXTENSION>\n\n<ucd:FeeItemType>RecordingFeeTotal</ucd:FeeItemType>\n\n</ucd:FEE_DETAIL_EXTENSION>\n\n</OTHER>\n </EXTENSION>\n </FEE_DETAIL>\n <FEE_PAYMENTS>\n<!-- Portion paid by Buyer -->\n <FEE_PAYMENT>\n\n<FeeActualPaymentAmount>85.00</FeeActualPaymentAmount>\n <FeePaymentPaidByType>Buyer</FeePaymentPaidByType>\n <FeePaymentPaidOutsideOfClosingIndicator>false</FeePaymentPaidOutsideOfClosingIndicator>\n"}
diff --git a/chunks/json/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.json b/chunks/json/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.json
new file mode 100644
index 0000000000000000000000000000000000000000..585aa4bb6439e3ceccce3b82a5ebaf814f6fc3fa
--- /dev/null
+++ b/chunks/json/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1598,"char_start":0,"chunk_id":"chk_0847974490e44097","chunk_index":0,"chunk_sha256":"a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_2cb7a3e4eaae6d42","text_sha256":"a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14","token_estimate":400,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR2_CompletionReport/_.xml/CR2_CompletionReport_v1.3.xml"]},"text":"456 Something Rd\n\nSomewhere\n\nFabricated\n\n12345\n\nVA\n\nPropertyPhoto\n\n\\\\Images\\CR2_DwellingFront.png\n\nimage/png\n\nConstructed Barn\n\nCompletedConstruction\n\n\\\\Images\\CR2_Barn.png\n\nimage/png\n\nBarn Floorplan\n\nValuationCompletionExhibit\n\n\\\\Images\\CR2_BarnFloorplan.png\n\nimage/png\n\n2019-11-30\n\nPhysical\n\nPhysical\n\nUnreal Farm S.1 PCL.300201121002432 F-594-7 BLA 3573702301420 Use agreement 71\n\nD-124394\n\nClient\n\nVSRSP-658240\n\nValuationSoftwareVendor\n\nA-1434525\n\nManagementCompany\n\nfalse\n\nfalse\n\nSubjectToCompletionPerPlans\n\n\\\\Images\\CR2_BarnDoor.png\n\nimage/png\n\nSimilar\n\nExterior Barn Door\n\nExterior sliding barn door is inconsistent with location and size (dimensions). Original plans called for two exterior sliding doors, one at 12' x 8' and one 20' x 8' (see plan attached). The 12' x 8' door was completed per plans. The 2nd door, located on the side of the barn, dimensions are 20' x 12' versus 20' x 8'.\n\nExterior - north end and east side of the barn.\n\nChange in dimension of the door has no measurable impact on the utility of the barn or the subject property.\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\nAA12346\n\n2019-09-08\n\n770000\n\nAA23456\n\nAgatha Appraiser\n\nEmpty Bank\n\nCompletion Report Delivery Specification v1.3\n\nGAAPPL\n\nGreat Appraisal Application\n\n2.4\n\nGreat Appraisals, LLC\n\nEmpty Bank\n\n200 Tree St\n\nSomewhere\n\n12346\n\nVA\n\nLender\n\nClient\n\nIDK Appraisal Management Company\n\n300 Main Ave\n\nSomwhere\n\n12345\n\nVA\n\n2021-12-31\n\nXYZ352032\n\nVA\n\nManagementCompany\n\nAgatha\n\nAppraiser\n\n123 Main St\n\nNowhere\n\n12345\n\nVA\n\nWAS Appraisal\n\nCertifiedResidential\n\n2019-12-31\n\nXYZ12345\n\nVA\n\nAppraiser\n\nBob\n\nBuyer\n\nBorrower\n\nBetty\n"}
diff --git a/chunks/json/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.json b/chunks/json/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.json
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+++ b/chunks/json/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7097,"char_start":5241,"chunk_id":"chk_e8bc5cbdbafba500","chunk_index":3,"chunk_sha256":"a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05d183e5699441f8","text_sha256":"a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05","token_estimate":464,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uad-limited-production-readiness-overview.pdf"]},"text":"Can aggregators and correspondents sell loans with UAD 3.6 appraisal reports to the GSEs\nduring the Limited Production Period?\n\nYes, aggregators and correspondents may sell loans using 3.6 appraisal reports to the GSEs provided they submit\nthe Questionnaire and comply with UAD 3.6 policies during the Limited Production Period. If a correspondent\ndoesn’t have a direct relationship with a GSE and will only sell to aggregators, they must ensure that their\naggregator is both ready to accept UAD 3.6 appraisal reports and is approved to participate in the Limited\nProduction Period.\n\n© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n2 of 3\n\nAre aggregators required to submit UAD 3.6 appraisal reports directly to UCDP?\n\nNo, but they must complete the Questionnaire and comply with each GSE’s UAD 3.6 policy. If an aggregator can’t\nanswer “yes” to questions because they do not facilitate certain components of ordering/submitting the appraisal\nreport, they must include in their response that their approval is limited to the aggregator channel of business.\n\nNext Steps\n\nI think I’m ready. What’s my next step?\n\n• Fill out the Lender Readiness Questionnaire confirming you’ve done your internal testing, training, and\n\nprocess enhancements, to be able to start using UAD 3.6 appraisal reports.\nNotes:\n▪ Your readiness for the Limited Production Period will be evaluated on how completely you respond to\nthe questionnaire. You are expected to answer “yes” to all required actions. If you select “no” because\nyour company is not responsible for a specific action, your response will still be considered complete,\nbut must be explained in the comments section.\n"}
diff --git a/chunks/json/a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268.json b/chunks/json/a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268.json
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+{"chunk":{"char_end":286220,"char_start":284617,"chunk_id":"chk_a4ef11562da7a668","chunk_index":165,"chunk_sha256":"a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Manufacturer’s Invoice photo would display.\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,568 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\nPlans and Specs\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,568 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n1 - Utility Room\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 11 of 30\nPage 11 of 30\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC1\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nQuality Comment\nUpgraded counter tops,\ncabinets, and fixtures\n\nUpgraded cabinets and\nfixtures\n\nUpgraded cabinets and\nfixtures\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nNew or Like New\n\nCondition Comment\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n"}
diff --git a/chunks/json/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.json b/chunks/json/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.json
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+++ b/chunks/json/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.json
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+{"chunk":{"char_end":332644,"char_start":331036,"chunk_id":"chk_0c8c76ee8d287be7","chunk_index":194,"chunk_sha256":"a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\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 74 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n455\n\n3\n\n60\n\nPROJECT\nINFORMATION\n\nPUD\nAre the units, common\nelements, and recreation\nfacilities complete?\nNo\n\nProject Common\nElements Completed\nIndicator\n\nIndicates that the common elements\nand recreation facilities in the project\nare complete.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_CommonElementsCompletedIndicator\n='N']\n\n1\n\nBoolean\n\n456\n\n3\n\n61\n\nPROJECT\nINFORMATION\n\nPUD\nIf no, describe the status\nof completion\n\nProject Common\nElements Status\nDescription\n\nA free-form text field used to\ncomment on the status of the project\ncommon elements and/or recreation\nfacilities.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT/@_CommonElementsStatusDescription\n\n4000\n\nString\n\n457\n\n3\n\n62\n\nPROJECT\nINFORMATION\n\n458\n\n3\n\n63\n\nPROJECT\nINFORMATION\n\nPUD\nAre the common\nelements leased to or by\nthe Homeowners'\nAssociation?\nYes\n\nPUD\nAre the common\nelements leased to or by\nthe Homeowners'\nAssociation?\nNo\n\nProject Common\nElements Leased\nIndicator\n\nIndicates that project common\nelements are leased by the project\nmanagement (e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_CommonElementsLeasedIndicator='Y'\n]\n"}
diff --git a/chunks/json/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.json b/chunks/json/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.json
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index 0000000000000000000000000000000000000000..bf35cdd50ace230d2c44d49549c0e2143699debb
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+++ b/chunks/json/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20460,"char_start":18825,"chunk_id":"chk_69664a554234bdbd","chunk_index":11,"chunk_sha256":"a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"•\n•\n•\n\n3 new informational edits to validate HOA Taxpayer ID and eMortgages\n1 informational edit moving to warning for Appraisal compare\n11 new edits to support Green MBS in November\n\nOct 7, 2024\n\nMBS User Interface\n\nFannie Mae will introduce User Interface (UI) upgrades to the MBS screens in Loan Delivery. This change will have minor\nimpacts on the UI.\n\n1. Dynamic filtering capabilities (similar to Whole Loan)\n\n© 2023 Fannie Mae Page 8 of 10\n\n2. Pool Issue Date field - The UI upgrade will make all calendars uniform within Loan Delivery. The Pool Issue Date field\non the Pool Details screen will change with this update. Users must select a valid pool issue date; the UI will no\nlonger populate a valid date automatically.\n\nPlease see the MBS Quick Reference Guide: User Interface Upgrades. There are no changes to the import and loan/pool\nsubmission process in Loan Delivery. No action is required by lenders with this change.\n\nOct 21, 2024\n\nULDD Phase 5\n\nTo support the third implementation of ULDD Phase 5, Loan Delivery will introduce\n\n3rd Implementation\n\n• User Interface (UI) changes to the Loan Details page\n\no Property Section: Address Unit Identifier & Deed Restriction Term Months Count\no\n\nInsurance Section: MI Premium Source Type Other Description, MI Interest Rate Adjustment Percent, & MI\nPremium Plan Type\n\no Borrower Section: Intent to Occupy Type\no Pool Details Indicator Section: Government Bond Finance Indicator\n\n•\n\nEdit updates\n\no All existing ULDD phase 5 edits will move from Informational to Warning\no New warning edits around Address, Borrower, Early Funding, HMDA, Loan Program, MI, Pool, and Warehouse\n"}
diff --git a/chunks/json/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.json b/chunks/json/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.json
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index 0000000000000000000000000000000000000000..2ee9b2b68aef6590c5a91991cb8420122e8c8c26
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+++ b/chunks/json/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.json
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+{"chunk":{"char_end":1758,"char_start":0,"chunk_id":"chk_046187002ec1c320","chunk_index":0,"chunk_sha256":"a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_201275b1aba83e24","text_sha256":"a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Translation_Disclosure___FHFA_lv538r.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/language-translation-disclosure\"\ndate_accessed: \"2026-01-27T17:48:03.531Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.json b/chunks/json/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.json
new file mode 100644
index 0000000000000000000000000000000000000000..23f45763589b13e296e31683cd144ccccbcc65c5
--- /dev/null
+++ b/chunks/json/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":192222,"char_start":190602,"chunk_id":"chk_897c751a81986c12","chunk_index":112,"chunk_sha256":"a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Areas protected by the Coastal Barrier Resource Act (CBRA) of 1982, which encourages the conservation of hurricane\nprone, biologically rich coastal barriers.\n\nDrainage\n\nExcess Land\n\nLandlocked\n\nThe movement of water away from the site (e.g., slope, surface, subsurface).\nNote: If applicable, Drainage 22.03.11 displays as a separate row in the Sales Comparison Approach section.\n\nLand beyond what is required to support the existing improvements of the site that can be subdivided and sold.\n\nA site without legal access to a public thoroughfare (without easements).\n\nAppendix F-1: URAR Reference Guide\n\nPage 75 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nLandscaping\n\nSite Characteristic (Choose all that apply)\n\nDefinition / Additional Guidance\n\nExternal portions of the site improved for functionality or aesthetic quality (e.g., lawn coverage, vegetation, shrubs, trees,\ngardens, and paths).\n\nRoad Frontage\n\nA strip or extent of land abutting a road that impacts value and / or marketability.\n\nShape\n\nSoil Suitability\n\nSurplus Land\n\nTopography\n\nWetlands\n\nZero Lot Line\n\nThe outline of a site per legal boundaries.\n\nPhysical properties of the soil suitable to support the current or proposed property development and use.\n\nLand beyond what is required to support the existing improvements of the site that cannot be subdivided and sold (does\nnot have a separate highest and best use).\n\nThe terrain or relative elevation of site surfaces (e.g., rolling, sloping, rocky, level).\nNote: If applicable, Topography 22.03.10 displays as a separate row in the Sales Comparison Approach section.\n"}
diff --git a/chunks/json/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.json b/chunks/json/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.json
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index 0000000000000000000000000000000000000000..22df69141fe6679f0d940c84ded7a569cf49cbe0
--- /dev/null
+++ b/chunks/json/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.json
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+{"chunk":{"char_end":68015,"char_start":66202,"chunk_id":"chk_ae3b23c79e5aff8f","chunk_index":40,"chunk_sha256":"a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a","token_estimate":454,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Rights\nAppraised\nFee Simple\nProperty Rights\nAppraised\nLeasehold\nProperty Rights\nAppraised\nOther\nProperty Rights\nAppraised\nOther (describe)\n\nProperty Rights Type\n\nSpecifies the intended property\nownership rights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_R\nightsType='FeeSimple']\n\nProperty Rights Type\n\nSpecifies the intended property\nownership rights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_R\nightsType='Leasehold']\n\nProperty Rights Type\n\nSpecifies the intended property\nownership rights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_R\nightsType='Other']\n\n1\n\n9\n\n8\n\n8\n\n9\n\n9\n\n9\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates\nthat the box has not been checked.\n\nMoney\n\nUAD Requirement - Refer to Appendix D Subject Section\nWhole dollars only. If there are no mandatory HOA fees applicable to the\nsubject property, appraiser must enter zero (0) in this data field.\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nIf the value of field 1-25 (Project Per Unit Fee\nAmount) is greater than zero, one and only one\nof fields 1-26, 1-27 (values of Project Per Unit\nFee Period Type) must be indicated.\nIf the value of field 1-25 (Project Per Unit Fee\nAmount) is greater than zero, one and only one\nof fields 1-26, 1-27 (values of Project Per Unit\nFee Period Type) must be indicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\n"}
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new file mode 100644
index 0000000000000000000000000000000000000000..54b05fc4350bc57c58b294175e86224d69a814a1
--- /dev/null
+++ b/chunks/json/a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7635,"char_start":5847,"chunk_id":"chk_a19c1f84d4fbd80f","chunk_index":3,"chunk_sha256":"a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2","token_estimate":447,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf"]},"text":"Self-Employed Indicator\n1=yes;\n2=no\nProperty Type\nPT01=Single family detached;\nPT02=Deminimus PUD;\nPT03=Single Family Attached;\nPT04=Two family;\nPT05=Townhouse;\nPT06=Low-Rise Condominium;\nPT07=PUD;\nPT08=Duplex;\nPT09=three family;\nPT10=Four family;\nPT11=Hi-Rise condominium;\nPT12=Manufactured Home\nARM Index\n01=11th District Cost of Funds;\n02=Other Cost of Funds Index;\n03=LIBOR;\n04=1 year Constant Treasury Rate\n99=Not an ARM\nARM Margin\n99999=Not an ARM\nPrepayment Penalty Date\n12/31/9999=No Prepayment Penalty Date\n\nPage 3 of 5\n\nColumn\n\n72 BoEth\n\n73 Race2\n\n74 Race3\n\n75 Race4\n\n76 Race5\n\n77 CoEth\n\n78 Corace2\n\n79 Corace3\n\nAMA_PUDB_Definitions_123114.xlsx\n\nDefinition\nBorrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n"}
diff --git a/chunks/json/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.json b/chunks/json/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.json
new file mode 100644
index 0000000000000000000000000000000000000000..e56291bdd782fba74d0dbdbee94e6436884b73e1
--- /dev/null
+++ b/chunks/json/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8957,"char_start":7339,"chunk_id":"chk_f3ac8d07ce831a4c","chunk_index":4,"chunk_sha256":"a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_058d4980d2495702","text_sha256":"a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa","token_estimate":405,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report without Report Field IDs v1.2.pdf"]},"text":"Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024\n\n10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable\ncondition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or\nstructural integrity of the property.\n\n10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of\nthe improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known\nphysical deficiencies that could affect the soundness or structural integrity of the property.\n\n11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n"}
diff --git a/chunks/json/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.json b/chunks/json/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ee6ed6667a7afe6e1acab0755d9b0defda3b733
--- /dev/null
+++ b/chunks/json/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32085,"char_start":30473,"chunk_id":"chk_85205382c0d81cd3","chunk_index":21,"chunk_sha256":"a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"ASSETS\n ASSET\n\nSequence Number = “1”\n xlink:label = “ASSET_1”\n OWNED_PROPERTY\n OWNED_PROPERTY_DETAIL\n Owned Property Disposition Status Type= Retain\n Owned Property Maintenance Expense Amount = 100\n Owned Property Subject Indicator = false\n PROPERTY\n ADDRESS\n PROPERTY_DETAIL\n\nLIABILITIES\n LIABILITY\n\nSequence Number = “1”\n\nxlink:label = “LIABILITY_1”\n\nLIABILITY_DETAIL\n\nLiability Account Identifier = ABC123\n Liability Monthly Payment Amount = 1100\n Liability Payment Includes Taxes Insurance Indicator = true\n Liability Payoff Status Indicator= false\n Liability Type = MortgageLoan\n Liability Unpaid Balance Amount = 75000\n Mortgage Type = Conventional\n\nFigure 5. Establishing Endpoints of Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 19 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe table below (Table 5) shows the endpoints that will makeup the xlink arcrole relationship for the\nrelationship.\n\nCONTAINER\n\nXPath For Container\n\nASSET\nLIABILITY\n\nDEAL/ASSETS/ASSET\nDEAL/LIABILITIES/LIABILITY\n\nTable 5. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n1\n1\n\nXlink:label\n\nASSET_1\nLIABILITY_1\n\nThe table below (Table 6) shows a breakdown of the detailed components of the relationship used to relate\nan asset (owned property) to a borrower’s liability for that owned property.\n\nXPath\n\nAttribute\n\nxlink:label\n\nValue\n\nNotes\n\nRELATIONSHIPS CONTAINER\n\nFirst instance of RELATIONSHIP\nMESSAGE/DEAL_SETS/D\nEAL_SET/DEALS/DEAL/\n/RELATIONSHIPS/RELAT\nIONSHIP\n\nSequence Number\n\n1\n\narcrole=\"urn:fdc:mism\no.org:2009:residential\nfrom\nto\n"}
diff --git a/chunks/json/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.json b/chunks/json/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..d32196cfa4a5c07bb2c710ad425d5ff3042d22cb
--- /dev/null
+++ b/chunks/json/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43555,"char_start":41948,"chunk_id":"chk_cb9bd021add64bc5","chunk_index":25,"chunk_sha256":"a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"accessoryDwellingUni\ntTotalCount\n\nThe total number of accessory dwelling units in the\nsubject property (e.g., in-law quarters, apartment\nover a garage, etc.)\n\nNote: this data point appears as “Accessory Dwelling\nUnits” in the Freddie Mac PDF.\n\nNumber of\nResubmissions\n\nresubmissionCount\n\nThe number of resubmissions for a given\nsequence/document type.\n\nOpinion of Market Value\n\nopinionOfValueAmou\nnt\n\nOriginal Effective Date of\nAppraisal\n\noriginalAppraisalEffec\ntiveDate\n\nThe reconciled opinion of value in the appraisal\nreport representing the conclusion of the\napproaches to value methods used by the appraiser.\n\nThe date of when the appraiser’s analyses, opinions,\nand conclusions regarding the property’s values\napply, (i.e., are effective) on the original URAR, i.e.,\nthe effective date of the URAR that is associated with\nthe Restricted Appraisal Update Report or\nCompletion Report.\n\nOriginal Submission\nDate/Time\n\noriginalSubmissionDa\nteTime\n\nThe original date and time when the document was\nreceived for a given sequence/document type.\n\nProject Legal Structure\n\nprojectLegalStructure\nType\n\nProperty Address\n\naddressLineText\n\nA value that specifies the form of ownership of a\nproject. The Project Legal Structure Type defines the\nquality and quantity of project ownership and rights\naccruing to the individual unit owner (e.g.,\nCondominium; Condop; Cooperative).\n\nThe subject property address with the address\nnumber, pre-directional, street name, post-\n\nBoth\n\nFNM\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nX\n\nX\n\nX\n\nX\n\nX\n\nX\n\nReport Type\n\nUpdate\nReport\nX\n\nCompletion\nReport\nX\n\nFormat\nType\n\nPDF / JSON\n\nPDF / JSON\n"}
diff --git a/chunks/json/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.json b/chunks/json/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.json
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+++ b/chunks/json/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.json
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+{"chunk":{"char_end":120,"char_start":0,"chunk_id":"chk_f4f67af043da709c","chunk_index":0,"chunk_sha256":"a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19f30ee73669cef6","text_sha256":"a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5","token_estimate":38,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Channel___YouTube_h4k2l.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw\"\ndate_accessed: \"2026-01-27T17:54:20.771Z\"\n---\n"}
diff --git a/chunks/json/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.json b/chunks/json/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.json
new file mode 100644
index 0000000000000000000000000000000000000000..4043e5966bfaeccd8dec37ccfef496e1a705a333
--- /dev/null
+++ b/chunks/json/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":662395,"char_start":660788,"chunk_id":"chk_ab2bd42f5d676210","chunk_index":394,"chunk_sha256":"a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The building floor number where the entrance to the unit is located.\nExamples: 1, 2, B1, B2, Penthouse\n\nSite Owned in Common: Indicates whether land associated with the\nproperty is owned by an association, such as a condominium project,\ncooperative, or condop.\n•\n\nYes (the land supporting the dwelling is commonly owned through\nan association such as a condo, co-op or condop).\nNo (the homeowner owns or leases the land sole and separate\nfrom another entity).\n\n•\n\nGrade Level of Unit\n•\nAbove Grade\n•\nFully Below Grade\n•\nPartially Below Grade\n\nReference published guidelines by the GSEs, government agencies, or\nother identified secondary marketing participants for specific guidance.\n\nNo\n\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n\nNot on\nReport\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nrental grid\n\nN/A\n\nAlways required\n\nChoose an\nallowable answer\nfrom table\n(Structure Type)\n\n•\n\nStructure Type Not\non Report\n\nNo\n\nNote: For the subject property, reflects the condition as if any required\nrepairs, inspections, or completions have been satisfactorily completed.\n\nStructure Type: The type of structure that contains the rental unit or\nADU.\n•\n•\n\nDwelling\nOutbuilding\n\nAppendix F-1: URAR Reference Guide\n\nPage 296 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nRental Information: Rental Comparison Grid\n\nBedrooms\n\nAlways\n\nAlways required\n"}
diff --git a/chunks/json/a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df.json b/chunks/json/a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df.json
new file mode 100644
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+{"chunk":{"char_end":1719,"char_start":0,"chunk_id":"chk_d3aea375de17024e","chunk_index":0,"chunk_sha256":"a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_117c4ec3c3934ad0","text_sha256":"a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Testimonies___FHFA_ot1sk1.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/testimony\"\ndate_accessed: \"2026-01-27T17:54:20.270Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.json b/chunks/json/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.json
new file mode 100644
index 0000000000000000000000000000000000000000..5084bc6494c8e8d1838d83f8578d481ccf3af30c
--- /dev/null
+++ b/chunks/json/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":93814,"char_start":92121,"chunk_id":"chk_bcbc5eba7f89e6b0","chunk_index":133,"chunk_sha256":"a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n\ncontainer or data point\nmaking up the first\nnamed entity in the\nverb phrase describing\nthe relationship.\nIn the RELATIONSHIP\ncontainer, this item is\nidentified with the\nunique Xlink label from\nthe container being\nlinked.\n\n• The hierarchical\npath through the\nMISMO v3.6 schema\ndocument for the\ntarget data point\nthat will be part of\nthe link.\n\n• This is where Xlink\nattributes are\nincluded in the\nDelivery File.\n\n• The name of the\n\n•\n\ncontainer or data point\nmaking up the last-\nnamed entity in the\nverb phrase describing\nthe relationship.\nIn the RELATIONSHIP\ncontainer, this item is\nidentified with the\nunique Xlink label from\nthe container being\nlinked.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nKey Concepts\n\nPage 32\n\nThe data associated with the subject property and each comparable property used in the valuation process must be provided in an\nindividual occurrence of the PROPERTY container. ValuationUseType is an attribute defined on the PROPERTY container. This attribute must\nbe populated for each occurrence of the PROPERTY container to indicate whether the referenced property is the subject property or a\ncomparable. The data associated with each comparable property used in the Sales Comparison Approach (“SalesComparable”,\n“PropertyAnalyzedNotUsed”), Cost Approach (“LandComparable”), Income Approach (“GrossRentMultiplierComparable”), and Rental\nInformation (“RentalComparable”) must be provided in an individual occurrence of the PROPERTY container with ValuationUseType\npopulated as specified below. Every instance of the PROPERTY container except when ValuationUseType = “SubjectProperty” must have\nPropertyOrdinalNumber populated in the COMPARABLE_DETAIL container.\n"}
diff --git a/chunks/json/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.json b/chunks/json/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.json
new file mode 100644
index 0000000000000000000000000000000000000000..575ee164362f928898d4e7877d9953ec02950959
--- /dev/null
+++ b/chunks/json/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":794164,"char_start":792429,"chunk_id":"chk_0c66df18e3579025","chunk_index":471,"chunk_sha256":"a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915","token_estimate":434,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-177 (Project Management Type =\n'ManagementAgent') is indicated, then this\nfield should be populated.\n\nOne and only one of fields 1-179, 1-180\n(values of Project Concentrated Ownership\nIndicator) should be indicated.\n\nOne and only one of fields 1-179, 1-180\n(values of Project Concentrated Ownership\nIndicator) should be indicated.\n\nThis field should be populated if field 1-179\n(Project Concentrated Ownership Indicator\n= 'Y') is indicated.\n\nOne and only one of fields 1-182, 1-183\n(values of Project Conversion Indicator)\nshould be indicated.\n\nOne and only one of fields 1-182, 1-183\n(values of Project Conversion Indicator)\nshould be indicated.\n\nThis field should be populated if field 1-182\n(Project Conversion Indicator = 'Y') is\nindicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 141 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n196\n\n1\n\n185\n\nPROJECT\nINFORMATION\n\nAre the units, common elements, and\nrecreation facilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nYes\n\nProject Common\nElements Completed\nIndicator\n\nIndicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom\npletedIndicator='Y']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n186\n\n187\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nAre the units, common elements, and\nrecreation facilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nNo\n"}
diff --git a/chunks/json/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.json b/chunks/json/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a562093e7c034451dcb9ad4d0f309085395c9fb
--- /dev/null
+++ b/chunks/json/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":51840,"char_start":51163,"chunk_id":"chk_fe1e1f62b66cf57d","chunk_index":80,"chunk_sha256":"a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2","token_estimate":563,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 244\n\nCooperative Information .......................................................................................................................................................................................................... 247\n\nProject Factors and Impact to Value/Marketability ................................................................................................................................................................. 250\n"}
diff --git a/chunks/json/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.json b/chunks/json/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.json
new file mode 100644
index 0000000000000000000000000000000000000000..809fd49a7c0ad0071b47348dc198d607fcdedc66
--- /dev/null
+++ b/chunks/json/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":67562,"char_start":67079,"chunk_id":"chk_31f2dc80a99b7327","chunk_index":108,"chunk_sha256":"a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 324\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 326\n"}
diff --git a/chunks/json/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.json b/chunks/json/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.json
new file mode 100644
index 0000000000000000000000000000000000000000..8c81ed29341479de54ee5424d90d159df457d49f
--- /dev/null
+++ b/chunks/json/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2945,"char_start":1650,"chunk_id":"chk_2de5fa35f4e5f00c","chunk_index":1,"chunk_sha256":"a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0521e01f621a5ebc","text_sha256":"a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99","token_estimate":323,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-3-0.pdf"]},"text":"• The \"PRINCIPAL REMITTANCE AMOUNT (FANNIE MAE EXPECTED)\" column will be removed.\n\n• The \"PRINCIPAL REMITTANCE AMOUNT (DIFFERENCE)\" column will be renamed to \"UNSCHEDULED\nPRINCIPAL REMITTANCE AMOUNT\" to show curtailment amounts as a positive value and reversals\nof curtailment as negative values.\n\nPlease see Appendix B for additional details.\n\nUpdates to the User Interface (UI)\n\nMinor updates will be made to the look and feel of the UI in LSDU. These will include adjusting the placement\nof all dropdown menus which will reside on the left side of the web page.\n\nFor More Information\n\nFor more information about this release, please contact Future of Servicing or Master Servicing at 1-800-2-\nFANNIE.\n\n© Fannie Mae 2019 Confidential – Internal Distribution LSDU 3.0 September 2019 Page 1 of 2\n\nPrepared by ODS – Operational Readiness\n\nAppendix A:\nBelow is an example of the new updates available with this release:\n\nAppendix B:\nBelow is an example of the current column headings that will be removed (outlined in red) or renamed\n(outlined in Blue) with this release.\n\nThe example below shows the updated headers that will be displayed with this release:\n\n© Fannie Mae 2019 Confidential – Internal Distribution LSDU 3.0 September 2019 Page 2 of 2\n\nPrepared by ODS – Operational Readiness\n"}
diff --git a/chunks/json/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.json b/chunks/json/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.json
new file mode 100644
index 0000000000000000000000000000000000000000..0af56f93e26eec9c97a5ee95daf341c508722330
--- /dev/null
+++ b/chunks/json/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26656,"char_start":25053,"chunk_id":"chk_4179d5a7f1eccef7","chunk_index":15,"chunk_sha256":"a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Definition / Description\n\nSeverity\n\nIndicates the level of impact of a particular message associated with an\nappraisal report finding and how urgently the finding should be addressed.\n\nMessage\n\nThe text description of each appraisal finding.\n\nAdditional\nIdentified in Header\n\nFatal\n\nWarning\n\nMessage ID\n\nA unique identifier assigned to each message.\n\n“UAD” Prefix\n\nProperty Affected\n\nIndicates if a property is affected by the finding, and, if so, whether the\nproperty is the subject or one of the comparable.\n\nComparable Number\n\n{Appears as part of\nProperty Affected\ncolumn when applicable}\n\nIf the property affected by the findings is one of the comparable properties,\nthis data point will appear in the Property Affected line indicating the\nnumber of the comparable (e.g., Property Ordinal Number).\n\nFannie Mae\n\nFreddie Mac\n\nReport Section\n\nThe name of the appraisal report section associated with a specific\nappraisal report finding/message.\n\nReport Subsection\n\nThe name of the appraisal report subsection associated with a specific\nappraisal report finding/message.\n\nReport Label / Value\n\nThe business value/name or the value/name on the PDF appraisal report.\nThis gives the user the location on the PDF where the issue/compliance\nedit occurred.\n\nProprietary Findings\n\nGSE Proprietary Findings provide feedback specific to each GSE’s requirements.\n\nThese messages are specific to each GSE and can only be viewed in the SSR associated with the GSE to which the appraisal\nreport was submitted.\n\nGSE Proprietary Findings\n\nFannie Mae\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n"}
diff --git a/chunks/json/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.json b/chunks/json/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..02b788bebc40f0d054c19030ab19ef7e8e8fbbc8
--- /dev/null
+++ b/chunks/json/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14359,"char_start":11757,"chunk_id":"chk_686472608e805048","chunk_index":7,"chunk_sha256":"a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae065bd8686d7b0d","text_sha256":"a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA___Privacy___FHFA_bc0jek.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/736\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.json b/chunks/json/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.json
new file mode 100644
index 0000000000000000000000000000000000000000..526ecc8ea8c85761162bf6f8e1126372b6deb0aa
--- /dev/null
+++ b/chunks/json/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":379356,"char_start":377693,"chunk_id":"chk_c7119bf38f25f8bb","chunk_index":211,"chunk_sha256":"a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Loan Amount ($) …/TERMS_OF_LOAN\n\nNoteAmount\n\n211000.00\n\n12.2 |\n12.2.1 |\n4.1.1\n\nNotes\n\nROF as\n“$211,000.00”\n\n12. 3 EXI STI NG LOAN(S) ASSUMED OR TAKEN SUBJECT TO\n\nIf the borrower is assuming the seller’s loan, the amount assumed is presented as illustrated in Figure 100.\nWhen more than one loan is being assumed, the total amount of all outstanding loans being assumed is\ndisclosed. Loan Amount should equal “0.”\n\nSummaries of Transactions\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00\n\n0212.2 Loan Amount\n\n12.2.1 $211,000.00\n\n0312.3 Existing Loan(s) Assumed or Taken Subject to\n\n12.3.1 $79,000.00\n\nFigure 100. Existing Loan(s) Assumed or Taken Subject To\n\nThe data points used to provide this information are shown in the table below.\n\nID\n\nForm Field Name\n\n12.3 |\n12.3.1\n\nExisting Loan(s)\nAssumed or Taken\nSubject to ($)\n\nTable 116. Existing Loan(s) Assumed or Taken Subject to\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n…/TERMS_OF_LOA\nN\n\nAssumedLoanAmou\nnt\n\n79000.00\n\nROF as “Existing\nLoan(s) Assumed or\nTaken Subject to”\nand “$79,000.00”\n\n12. 4 BORROWER FUNDS FROM SECOND LOAN\n\nLenders must disclose borrower financing arrangements, other new loans or subordinate liens under line 12.3.\nExample: The borrower took out a second loan to finance part of the purchase price. Figure 101 shows how to\ndisclose a situation where a portion ($2,000) of the principal amount of the second loan ($10,000) is used. The\nprincipal amount is listed on the description line, and the $2,000 helping to finance the purchase price is\ndisclosed as part of the purchase transaction.\n"}
diff --git a/chunks/json/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.json b/chunks/json/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb789ec79c7996f6c4b89219dae40367789e2595
--- /dev/null
+++ b/chunks/json/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":581841,"char_start":580237,"chunk_id":"chk_bd8e4f41d39898f3","chunk_index":343,"chunk_sha256":"a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeOtherRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='FunctionalUtility']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='HeatingCooling']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='EnergyEfficient']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='CarStorage']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='PorchDeck']/@_Description\n\n1\n\n1\n\n3\n\n1\n\n20\n\n20\n\n20\n\n20\n\n20\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished recreation rooms in the basement.\n\nNumeric\n\nPDF Display Format:\nNumeric, 1-digit maximum.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished bedrooms in the basement.\n"}
diff --git a/chunks/json/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.json b/chunks/json/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.json
new file mode 100644
index 0000000000000000000000000000000000000000..35f0b13e5dcee1e3f169c751835f0ef75902d27c
--- /dev/null
+++ b/chunks/json/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":558436,"char_start":556779,"chunk_id":"chk_df126244e246eb29","chunk_index":329,"chunk_sha256":"a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-10, 2-12d 6-20d) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis data is referenced more than once on the form (fields 1-18, 3-13) and must be\nrepresented consistently to the extent the available space permits.\n\nThe legal phase number of the subject unit.\n\nThis data is referenced more than once on the form (fields 1-19, 3-14), and must be\nrepresented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nThis field is required if field 1-33\n(Appraisal Purpose Type = 'Purchase')\nis indicated.\n\nCR\n\nCR\n\nCR\n\n339\n\n3\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L\nOCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATION_\nOVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE\nOverallLocationRatingType\n"}
diff --git a/chunks/json/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.json b/chunks/json/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.json
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index 0000000000000000000000000000000000000000..68e627237e46985fccc5a8fb1cf29f5b9de23dcc
--- /dev/null
+++ b/chunks/json/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":118186,"char_start":116496,"chunk_id":"chk_96fdc39e63cfd596","chunk_index":147,"chunk_sha256":"a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"the specific instance of the AMENITY container. The AmenityType provides the context.\n\n• Defects identified with subject property amenities are linked to the given amenity where the defect is identified. For example, the\ninstance of the DEFECT container that represents defect with a deck must be linked to the instance of the AMENITY container with\nAmenityType = “Deck”.\n\n• When multiple defects are identified with a given amenity, each of these DEFECT containers are linked to the same instance of the\n\nAMENITY container.\n\nThe DATA_SOURCE containers are leveraged to identify the source of data for an item referenced in the appraisal. As the DATA_SOURCES\ncontainer is located outside the PROPERTIES container, each instance of the DATA_SOURCE container must be linked to the data point or\nthe container that it is providing the source of the information. When multiple items have the same data source, include only one instance\nof the DATA_SOURCE container in the XML and link this instance to the multiple items as indicated below.\n\nIn the following example, in the Sales Comparison Approach, Assessor Record is indicated as the data source for sales comp 1, 2, and 3.\nOne instance of the DATA_SOURCE container with DataSourceType = “AssessorRecord” is included in the XML and the same DATA_SOURCE\ncontainer is used in the RELATIONSHIP containers to indicate that it is a data source for sales comp 1, 2, and 3.\n\nDATA_SOURCE container with DataSourceType= “AssessorRecord” has xlink:label as shown below.\n\nThis DATA_SOURCE container is referenced in three RELATIONSHIP containers in the xlink:from attribute, which indicates that the same\ndata source is used for sales comp 1, 2 and 3.\n"}
diff --git a/chunks/json/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.json b/chunks/json/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.json
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index 0000000000000000000000000000000000000000..c47d544482477ca907b9596f4fa61592748e6a67
--- /dev/null
+++ b/chunks/json/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":99337,"char_start":97690,"chunk_id":"chk_f38a2675ef332995","chunk_index":51,"chunk_sha256":"a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"b. Types of Closing Adjustments\n\nClosing adjustment requirements are difficult to document, mainly because of the need to account for a refinance being\ndelivered on the Model form. Figure 29 provides a map of ClosingAdjustmentItemType to CD section based on whether the\nloan is a purchase or refinance.\n\nUCD v2.0 Implementation Guide\n\n- 38 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 29. Specifying ClosingAdjustmentItemTypes.\n\nHere is an illustration of how the closing adjustments are rendered on the Model form on the right and the Alternate form\n\non the left.\n\nTable 22. Rendering Closing Adjustment Data on the CD Model and Alternate Forms.\n\nSummaries of Transactions\n\n(11.0 – 13.0)\n\nPayoffs and Payments\n\n25.0\n\nBORROWER’S TRANSACTION\n\n25.1 TO\n\n25.1.1 AMOUNT\n\n11.0 K. Due from Borrower at Closing\n\n11.0.1\n\nAdjustments\n\nExisting Escrow Account Rollover $200.00\n\n11.5 Tenant Security Deposit from R. Jones 11.5.1 $100.00\n\nPrincipal Reduction tolerance cure\n\n$500.00\n\nPrincipal Reduction tolerance cure $500.00\n\n12.0 L. Paid Already by or on Behalf of\nBorrower at Closing\n\n12.0.1\n\n12.5 Seller Credit\n\nOther Credits\n\n12.5.1 $2,500.00\n\n12.6 Second Loan Proceeds, Ficus Bank\n\n12.6.1 $10,000.00\n\nSecond Loan Proceeds, Ficus Bank $10,000.00\n\nGrant from Community Lending paid\nto Ficus Bank\n\n$5,000.00\n\nGrant from Community Lending\n\n$5,000.00\n\npaid to Ficus Bank\n\nRelocation Funds from Acme\n\n$300.00\n\nAdjustments\n\nUCD v2.0 Implementation Guide\n\n- 39 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 22. Rendering Closing Adjustment Data on the CD Model and Alternate Forms.\n"}
diff --git a/chunks/json/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.json b/chunks/json/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.json
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index 0000000000000000000000000000000000000000..01e307411bb8b23a8dd3a3441b48a04870c8d0cc
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+++ b/chunks/json/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7369,"char_start":5405,"chunk_id":"chk_f56659e9146c7164","chunk_index":3,"chunk_sha256":"a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ddef7627ae864b23","text_sha256":"a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75","token_estimate":491,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-nov-15-2025.pdf"]},"text":"This loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - Single Family\nProperty). If the loan casefile is eligible for other property\nassessment and valuation options, all options will be\ndisplayed in the Property and Appraisal Information\nsection.\n\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal – Condominium\nUnit). If the loan casefile is eligible for other property\nassessment and valuation options, all options will be\ndisplayed in the Property and Appraisal Information\nsection.\n\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal – Condominium\nUnit). If the loan casefile is eligible for other property\nassessment and valuation options, all options will be\ndisplayed in the Property and Appraisal Information\nsection.\n\n© 2025 Fannie Mae 9.24.25\n\n2 of 3\n\nMsg\nID\n\nCurrent Message Text\n\nNew Message Text\n\n2145 An appraisal based on an interior and exterior\nproperty inspection reported on Form 2090 is\nrequired for this transaction.\n\n2149 An appraisal based on an interior and exterior\nproperty inspection reported on Form 2090 is\nrequired for this refinance transaction.\n\n1401 Obtain a comparable rent schedule on Form 1007\n\n2731\n\nunless the borrower is being qualified for the entire\npayment, without benefit of rental income.\nIf income from the property will be used to qualify\nthe borrower, the lender must obtain an appraisal\nbased on an interior and exterior property\ninspection and obtain a Single-Family Comparable\nRent Schedule (Form 1007) in accordance with the\nrequirements for rental income as stated in the\nFannie Mae Selling Guide. If the borrower is being\nqualified without the benefit of rental income, an\nappraisal with Form 1007 is not required and the\nlender may exercise the value acceptance\n(appraisal waiver) offered on the loan casefile.\n1253 A certification of completion is required to verify the\n"}
diff --git a/chunks/json/a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb.json b/chunks/json/a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb.json
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+{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_50e44c6208bb0582","chunk_index":0,"chunk_sha256":"a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f75292e1adff0943","text_sha256":"a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Guarantee_Fees_History___FHFA_3hmmja.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/guarantee-fees\"\ndate_accessed: \"2026-01-27T17:54:20.446Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.json b/chunks/json/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.json
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index 0000000000000000000000000000000000000000..30b53014c24a622c47d3232f3b392f60f82cd984
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+++ b/chunks/json/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":57060,"char_start":55442,"chunk_id":"chk_240fb90109d35ce4","chunk_index":26,"chunk_sha256":"a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<DOCUMENT_CLASSES>\n <DOCUMENT_CLASS>\n\n<DocumentType>Other</DocumentType>\n <DocumentTypeOtherDescription>ClosingDisclosure:ModelForm</DocumentTypeOtherDescription>\n\n</DOCUMENT_CLASS>\n </DOCUMENT_CLASSES>\n\n</DOCUMENT_CLASSIFICATION>\n\n</DOCUMENT>\n\n</DOCMENTS>\n </DOCUMENT_SET>\n </DOCUMENT_SETS>\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 15 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIV. XML File Data Payload Overview\n\nIV. XML FILE DATA PAYLOAD OVERVIEW\n\nAll the containers and data points carrying discrete XML data supporting the closing transaction are children of DEAL.\nFigure 6 and 6 graph the XML file data payload containers starting with COLLATERAL in Figure 5 and ending with PARTY in\nFigure 6. Darker blue containers represent line items. Notice from the cardinality notation to their left that they can occur\nconsecutively multiple times; that is, they are “repeatable”.\n\nFor example, MESSAGE has a cardinality of “1:1”. That means that MESSAGE must always exist in the XML file, and it can\nexist only once. LIABILITY has a cardinality of “0:24”. This recognizes that not every loan could have liabilities; however, if\nliabilities are part of the transaction, up to but no more than 24 instances may be delivered.\n\nFigure 6. XML File Data Payload – COLLATERALS through ESCROW.\n\nUCD v2.0 Implementation Guide\n\n- 16 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIV. XML File Data Payload Overview\n\nFigure 7. XML File Data Payload – FEE_INFORMATION through PARTIES.\n\nUCD v2.0 Implementation Guide\n\n- 17 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nV. XML FILE DATA PAYLOAD A TO Z\n"}
diff --git a/chunks/json/a8f59117babd58fce04ea8b58b352b4ed01a39f20e57be5d03897ccc209ba137.json b/chunks/json/a8f59117babd58fce04ea8b58b352b4ed01a39f20e57be5d03897ccc209ba137.json
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+{"chunk":{"char_end":237654,"char_start":236349,"chunk_id":"chk_413d0bd6ac67a112","chunk_index":122,"chunk_sha256":"a90b0fae958f5f8f208c4eaee7225a651633f8dddd33facd614ed61e0dd994e7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a90b0fae958f5f8f208c4eaee7225a651633f8dddd33facd614ed61e0dd994e7","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"J. Total Closing\nCosts Table\n\n✓\n\n✓\n\n✓\n\n✓\n\nNon-Seller Transactions Only\nAlternate Form\n\nBorrower & Paid By Others\nColumns Only\n\nBorrower and Paid By Others\nColumns Only\n\nBorrower and Paid By Others\nColumns Only\n\nThe Closing Cost Details section presents the transaction costs in two categories: 7.0 Loan Costs table and 8.0\nOther Costs table. 9.0 Total Closing Costs table provides subtotals and totals of the columns by payor and time\nof payment. Figure 75 provides a Model Form excerpt.\n\nC lo s in g C ost Details\n\nLo a n C o s ts\n\n7.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.1 A. Origination Charges\n\n7.1.1 $1,802.00\n\n01 7.2.1 0.25% of Loan Amount 7.2 (Points)\n\n7.2.2\n\n$405.00 7.2.3\n\n7.2.4\n\n7.2.5\n\n7.2.6\n\n7.4 B. Services Borrower Did Not Shop For\n\n7.4.1 $236.55\n\n01 7.5 Appraisal Fee 7.5.1 to John Smith Appraisers\n\n7.5.2\n\n7.5.3\n\n7.5.4\n\n7.5.5\n\n7.5.6 $405.00\n\n7.6 C. Services Borrower Did Shop For\n\n7.6.1 $2,655.50\n\n01 7.7Pest Inspection Fee 7.7.1\n\nto Pests Co.\n\n7.7.2\n\n$120.50 7.7.3\n\n7.7.4\n\n7.7.5\n\n7.7.6\n\n7.8 D. TOTAL LOAN COSTS (Borrower-Paid)\n\n7.8.1 $4,694.05\n\n7.9 Loan Cost Subtotals (A + B + C)\n\n7.9.2 $4,664.25 7.9.3\n\n$29.80\n\nOther Costs\n\n8.0\n\n8.1 E. Taxes and Other Government Fees\n018.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage:\n"}
diff --git a/chunks/json/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.json b/chunks/json/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.json
new file mode 100644
index 0000000000000000000000000000000000000000..654bde9ac44c39ad63d577f64fd61c94f5e2c43a
--- /dev/null
+++ b/chunks/json/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":42540,"char_start":40874,"chunk_id":"chk_a0e59cfea269839c","chunk_index":25,"chunk_sha256":"a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Comparable #5\n\nThis is where the Rental Comparable 5 photo would display.\n\nIncome Approach\n\nGross Rent Multiplier Comparables\n\nProperty Address\n\n12345 Holiday Hwy\nSurfside, HI 12345\n\n16-204 Whitecrest Dr\nSurfside, HI 12345\n\n15-137 Stoneback Ave\nSurfside, HI 12345\n\n16-207 Starmind Blvd\nSurfside, HI 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the GRM\nComparable 1 photo\nwould display.\n\nThis is where the GRM\nComparable 2 photo\nwould display.\n\nThis is where the GRM\nComparable 3 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nUnits Excluding ADUs\n\nSale Price\n\nSale Date\n\nGross Monthly Rent\n\nGross Rent Multiplier\n\nComparable Weight\n\n2\n\n$875\n\nMLS 77777\n\n0.8 Miles W\n\n2\n\n$265,000\n\n02/24/2019\n\n~$2,300\n\n115\n\nLess\n\nMLS 88888\n\n0.3 Miles E\n\n3\n\n$289,000\n\n05/31/2019\n\n$2,700\n\n107\n\nLess\n\nMLS 99999\n\n1.2 Miles W\n\n2\n\n$190,000\n\n08/30/2019\n\n$1,700\n\n112\n\nMost\n\nIndicated Value by Income Approach\n\nTotal Monthly Market Rent\n$1,800\n\n×\n\nGross Rent Multiplier\n110\n\n=\n\nIndicated Value by Income Approach\n$198,000\n\nthis must appear\n\nIncome Approach Commentary\n\nThe appraiser’s analysis of comparable sales of rental properties shows a range for the gross rent multiplier of 107 to 115. Comparable #3\nis most similar in size and utility and is given most weight. The income approach is considered reliable and provides support for the value\nestimate. Comparable #1’s gross monthly rent estimated due to owner occupancy of one of the units.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n"}
diff --git a/chunks/json/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.json b/chunks/json/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.json
new file mode 100644
index 0000000000000000000000000000000000000000..650222e6643139cddfa1127c6b1555f552c4b451
--- /dev/null
+++ b/chunks/json/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":807811,"char_start":806241,"chunk_id":"chk_0d6d94197b82dce0","chunk_index":481,"chunk_sha256":"a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73","token_estimate":392,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"No Outbuilding Section\n\nWhen the detached garage has no dividing wall, it does not have to be reported as an outbuilding. In this\nexample, no outbuilding was reported, so the Outbuilding section does not display.\n\nVehicle Storage\n\nWhen the detached garage has no dividing wall, it is reported in the Vehicle Storage section only.\n\n•\n\nIn this example, the 500 sq. ft. detached garage is reported.\n\nSales Comparison Approach\n\nIn this example, Comparable #1 has a 400 sq. ft. detached garage with no additional area, and no outbuildings.\n\nVehicle Storage Subsection\n\nInformation about the subject property’s garage area populates from the Vehicle Storage section. If the subject\nor comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to\nsupport adjustments and conclusions.\n\nIn this example, any adjustment would be made for the differences in garage area.\n\nNo Outbuilding Subsection\n\nIn this example, the subject and all comparables do not have outbuildings, so the Outbuilding subsection does\nnot display.\n\nAppendix F-1: URAR Reference Guide\n\nPage 374 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nCost Approach (As Is Value of Site Improvements)\n\nBecause the vehicle storage is not considered an outbuilding, if the Cost Approach is included in the appraisal,\nthe depreciated cost of the detached garage is reported in the As Is Value of Site Improvements subsection\ninstead of Depreciated Cost – Outbuilding.\n\nAppendix F-1: URAR Reference Guide\n\nPage 375 of 375\n\nVersion 1.3\n"}
diff --git a/chunks/json/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.json b/chunks/json/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.json
new file mode 100644
index 0000000000000000000000000000000000000000..b4cfd0fd060af0f96bf92cfeaa84aaf38024b23d
--- /dev/null
+++ b/chunks/json/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":98750,"char_start":97150,"chunk_id":"chk_8d104a7b01d88424","chunk_index":55,"chunk_sha256":"a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33","token_estimate":400,"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\n•\n\nIf the monthly qualifying rental income minus the full PITIA is positive, it must be added to the borrower’s total monthly\nincome (subject to the limits in Calculating Monthly Qualifying Rental Income (or Loss)).\nIf the monthly qualifying rental income minus PITIA is negative, the monthly net rental loss must be added to the\nborrower’s total monthly obligations.\nThe full PITIA for the rental property is factored into the amount of the net rental income (or loss); therefore, it should not\nbe counted as a monthly obligation.\nThe full monthly payment for the borrower's principal residence (full PITIA or monthly rent) must be counted as a\nmonthly obligation.\n\nNote: When a borrower owns multiple rental properties, the rental income for all non-subject properties is first calculated for\neach property, then aggregated. The aggregate total of the income (or loss) is then added to the borrower's total monthly income\nor included in their monthly obligations, as applicable.\n\nOffsetting Monthly Obligations for Rental Property Reported through a Partnership or an S Corporation\n\nIf gross rents and related expenses are reported through a partnership or S corporation, then any rental income (or loss) must be\nevaluated as self-employment income regardless of the borrower’s percentage of ownership interest or whether the borrower is\npersonally obligated on the mortgage debt. However, if the related property is reported on the most recent federal business tax return\nand it’s clear the business is responsible for the payment, the full PITIA can be excluded from the DTI calculation.\n"}
diff --git a/chunks/json/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.json b/chunks/json/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.json
new file mode 100644
index 0000000000000000000000000000000000000000..d64fa41e4869608f4ff319f93eaa453f1d3751d2
--- /dev/null
+++ b/chunks/json/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":109507,"char_start":107832,"chunk_id":"chk_2eec17a8b681c9e4","chunk_index":142,"chunk_sha256":"a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e","token_estimate":419,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Additional considerations…\n\n• Each instance of the IMAGE container that is included in the XML file must have ImageFileLocationIdentifier populated with the\n\npath to this image in the .zip file. For example,\n<ImageFileLocationIdentifier>\\\\Images\\SF1_HERSScore.png</ImageFileLocationIdentifier>\na. \\\\ denotes the root folder of the zip file. All image paths and the PDF Object URL are relative to the root.\n\n• Regardless of how many times an image is displayed on the report, include the image only once in the Images folder of the .zip\n\nfile. Image location can be 'pointed to' from multiple places in the XML.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Scenario 1: The image shown in the following snippet is used to represent property access, it also is used to represent a site\n\ninfluence and a view associated with the subject property. In the XML, three instances of the IMAGE container must be included\nas shown in the XML snippet with appropriate ImageCategoryType in each instance and ImageFileLocationIdentifier pointing to\nthe same image in all instances. On the report, each ImageCategoryType should display above the image in bold font separated\nby “ – \" as shown below.\n\nPage 53\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 54\n\n• Scenario 2: When sales comparables, rental comparables, and gross rent multiplier comparables are all captured in the same\nmap, then the map must be included only once in the Images folder of the .zip file. In the XML, three instances of the IMAGE\ncontainer must be included, each populated with appropriate ImageCategoryType and ImageFileLocationIdentifier pointing to\nthe same image in all instances as shown below.\n"}
diff --git a/chunks/json/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.json b/chunks/json/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.json
new file mode 100644
index 0000000000000000000000000000000000000000..27b1632f8be511c437fdf55599bbd30ed76652d7
--- /dev/null
+++ b/chunks/json/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1070456,"char_start":1068783,"chunk_id":"chk_155c86e81010c293","chunk_index":636,"chunk_sha256":"a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The FEMA map number of which the\nsubject property is located.\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[\n@_Type='Alley' and @_OwnershipType='Private']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_\nZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z\nONE_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y'\n]\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_\nZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z\nONE_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='N'\n]\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_\nZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z\nONE_INFORMATION/@GSENFIPFloodZoneIdentifier\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_\nZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi\nonSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z\nONE_INFORMATION/@GSEFEMAFloodMapIdentifier\n\nData Point\nField\nLength\n\n1\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n20\n\nString\n\n22\n\nString\n\n121\n\nSITE\n\nFEMA Map Date\n\nNFIP Map Panel\nDate\n\nThe map effective date or the map revised\ndate shown on the NFIP map.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/@NFIPM\napPanelDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\n122\n\nSITE\n\n123\n\nSITE\n\n124\n\nSITE\n\n125\n\nSITE\n\n126\n\nSITE\n\n127\n\nSITE\n\nAre the utilities and off-site\nimprovements typical for the\nmarket area? Yes\n"}
diff --git a/chunks/json/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.json b/chunks/json/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.json
new file mode 100644
index 0000000000000000000000000000000000000000..3ea1d30d74a824c9589409193ef2a211f48119ae
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+++ b/chunks/json/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14101,"char_start":12481,"chunk_id":"chk_e462a1b929484953","chunk_index":7,"chunk_sha256":"a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_46caa6c58c5a5fc7","text_sha256":"a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md"]},"text":"[​​RFI: Fintech in Housing Finance](/sites/default/files/2024-02/financialtechnology-in-housing-finance-request-for-informationextension.pdf) ***(closed 10/31/2022)***\n\n[View Input Provided here](/public-input/2022-fintech-in-housing-finance-rfi)​ - select “2022 Fintech in Housing Finance RFI\" in dropdown menu\n\n[View Summary Responses to the Request for Information on Fintech in Housing Finance](/document/summary-of-responses-to-the-request-for-information-on-fintech-in-housing-finance)\n\n## News\n\n**New!** [FHFA Announces 2024 Generative AI in Housing Finance TechSprint](/news/news-release/fhfa-announces-2024-generative-ai-in-housing-finance-techsprint) (3/20/2024)​\n\n[FHFA Velocity TechSprint webpage](/programs/fintech/techsprint/2023)\n\n[Videos from FHFA Velocity TechSprint](https://www.youtube.com/playlist?list=PLhnt50YUxHmNwKpgXo0nFdcvGWxaD1gpl)\n\n[Summary of Key Themes from FHFA’s Velocity TechSprint](/sites/default/files/2024-01/FHFA-Velocity-TechSprint-An-Analysis-of-Key-Themes-December_2023.pdf) (12/22/2023)\n\n[Blog Post from FHFA Deputy Director Jason Cave on the FHFA Velocity TechSprint](/blog/insights/recapping-fhfas-inaugural-techsprint) (10/20/2023)​\n\n[FHFA Announces Inaugural Housing Finance TechSprint](/news/news-release/fhfa-announces-inaugural-housing-finance-techsprint) (4/4/2023)\n\n[FHFA Extends Deadline to October 31 on RFI on Fintech in Housing Finance](/sites/default/files/documents/Extension-of-RFI_10142022.pdf)​ (10/14/2022)\n\n[Press Release: FHFA Announces Office of Financial Technology](/news/news-release/fhfa-announces-office-of-financial-technology) (7/18/2022)\n"}
diff --git a/chunks/json/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.json b/chunks/json/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.json
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index 0000000000000000000000000000000000000000..8a9cb54889cee8fd2b864ee8070402652853cfab
--- /dev/null
+++ b/chunks/json/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1712,"char_start":0,"chunk_id":"chk_df3bc5dce844fb89","chunk_index":0,"chunk_sha256":"a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c","date_utc":"2026-01-27T17:54:32+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b0c925b6b8ea4abb","text_sha256":"a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c","token_estimate":523,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Reports___FHFA_dm732f.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports\"\ndate_accessed: \"2026-01-27T17:54:20.638Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.json b/chunks/json/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.json
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index 0000000000000000000000000000000000000000..b60c2991998a51b249adac2d594d026ba8f057b8
--- /dev/null
+++ b/chunks/json/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":64364,"char_start":62747,"chunk_id":"chk_0ff5870fdcbd6c0d","chunk_index":35,"chunk_sha256":"a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Photos or images related to\nthe Market section that are\nnot specified above, including:\n• Market Area Boundary\n\n17.003\nSearch Criteria 17.004\nOther graphs 17.017\n\n•\n•\n\nSee 18.012\n\nRequired if a physical\ndeficiency\n\nSee 18.014\n\nPhotos or images related to\nthe Project Information\nsection that are not specified\nabove.\n\nIf Sales Comparison\nApproach is in the URAR\n\nIf Sales Comparison\nApproach is in the URAR\n\nThumbnails display at the top\nof the sales grid. Full-size\npicture(s) of comps display in\nSales Comparison Approach\nExhibits.\n\nPhotos or images related to\nthe Sales Comparison\nApproach section that are not\nspecified above.\nIf provided, thumbnails display\nin Comparable Rental\nProperties, and full-size\npicture(s) of rental comps\ndisplay in Rental Information\nExhibits.\nCan display here, or as one\nmap in the Sales Comparison\nApproach section.\nPhotos or images related to\nthe Rental Information section\nthat are not specified above.\nThumbnails display at the top\nof the GRM comp grid. Full-\nsize picture(s) of comps display\nin Income Approach Exhibits.\n\nMap of Rental\nComparables\n\nAn additional caption may be\nprovided\n\nIf Rental Information is\nin the URAR\n\nRental Information\nExhibits\n\nRequired for each photo or\nimage\n\n24\n\nIncome\nApproach\n\nProperty Photo (Subject\nand Comparables)\n\nIf additional photos of comps\nare provided, a caption\nshould be provided to further\ndescribe the photo\n\nIf Income Approach is in\nthe URAR\n\nAppendix F-1: URAR Reference Guide\n\nPage 22 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nSection\n#\n\nSection Name\n(Black Tab)\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n"}
diff --git a/chunks/json/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.json b/chunks/json/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.json
new file mode 100644
index 0000000000000000000000000000000000000000..a663bd97551428aa212690cae9845667ca153144
--- /dev/null
+++ b/chunks/json/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":785422,"char_start":783945,"chunk_id":"chk_4ca3bbc109206287","chunk_index":466,"chunk_sha256":"a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nOne and only one of fields 1-170, 1-171, 1-\n172 (values of Project Primary Occupancy\nType) should be indicated.\nOne and only one of fields 1-170, 1-171, 1-\n172 (values of Project Primary Occupancy\nType) should be indicated.\nOne and only one of fields 1-170, 1-171, 1-\n172 (values of Project Primary Occupancy\nType) should be indicated.\n\nOne and only one of fields 1-173, 1-174\n(values of Project Developer Controls\nProject Management Indicator) must be\nindicated.\n"}
diff --git a/chunks/json/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.json b/chunks/json/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.json
new file mode 100644
index 0000000000000000000000000000000000000000..100f2c3a93f9342d6589df7bdea19af9489c34e9
--- /dev/null
+++ b/chunks/json/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10430,"char_start":9978,"chunk_id":"chk_9d1764f60dc2ec02","chunk_index":6,"chunk_sha256":"a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0","token_estimate":156,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf","below_target_min_tokens"]},"text":"09.024\n\nSignature\n\n[Role]\n\n09.025\n\n09.026\n\n[Contact Name]\n\n09.028\n\n09.027\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\n09.029\n\n09.030\n\n09.031\n\n09.032\n\nCompletion Version #\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.002\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n"}
diff --git a/chunks/json/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.json b/chunks/json/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.json
new file mode 100644
index 0000000000000000000000000000000000000000..2ca6dc08eac7e04374659a323a5f26143a358243
--- /dev/null
+++ b/chunks/json/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":199748,"char_start":198067,"chunk_id":"chk_c2f5c8da0e5ea435","chunk_index":116,"chunk_sha256":"a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nIf less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more:\nAcres, numeric to 2 decimal places. Indicate the unit of measure as either 'sf'\nfor square feet or 'ac' for acres as appropriate.\n\nExamples:\n· 6400 sf\n· 3.40 ac\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form in the Site Section, and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nT\n\nR\n\nT\n\nR\n\nT\n\nR\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 52 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n259\n\n2\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(ViewType)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n260\n\n2\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other\nDescription)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n261\n\n2\n\n24\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\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"}
diff --git a/chunks/json/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.json b/chunks/json/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.json
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index 0000000000000000000000000000000000000000..ad2b76a1530f6ffaca49a4f22fe926fb5f7ffba4
--- /dev/null
+++ b/chunks/json/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11178,"char_start":8829,"chunk_id":"chk_9ad65974dfc48230","chunk_index":4,"chunk_sha256":"a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066","token_estimate":588,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"181\n\nBoth\n\nPrivate Transfer Fee\nUsed to identify shared equity loans with a private transfer fee covenant.\n\n184\n\nBoth\n\n202\n\n211\n\nBoth\n\nBoth\n\n212\n\nBoth\n\n$500 Housing Counseling LLPA Credit\nUsed to apply the applicable loan-level price adjustment credit to the lender for HomeReady®\nloans where the borrower completes housing counseling in accordance with the requirements\nin the Selling Guide.\n\nHUD Section 184 and 184A Mortgage\nUsed to identify a HUD-guaranteed Section 184 or Section 184A mortgage.\nCorrespondent Third-Party Origination\nUsed to identify a mortgage loan that is originated by a party other than a mortgage loan\nseller and is then sold to a mortgage loan seller. A lender correspondent performs the loan\nprocessing functions (such as taking loan applications; ordering credit reports, appraisals, and\ntitle reports; and verifying a borrower's income and employment) without the assistance of a\nbroker. The lender correspondent typically underwrites the mortgage loan, but correspondent\nloans may also include mortgage loans where the correspondent has not received delegated\nunderwriting authority from a mortgage loan seller and, accordingly, did not underwrite the\nloan. The lender correspondent funds the mortgage loan at settlement, and the mortgage loan\nis closed in the name of the lender correspondent, which may or may not service the\nmortgage loan.\nDelivery is optional – code is auto-derived\n\nBroker Third-Party Origination\nUsed to identify a mortgage loan that is originated under circumstances where a person or\nfirm other than a mortgage loan seller or lender correspondent is acting as a \"broker\" and\nreceives a commission for bringing together a borrower and a lender. The broker performs\nsome of the loan processing functions (such as taking loan applications; ordering credit\nreports, appraisals, and title reports; and verifying a borrower's income and employment), but\ndoes not underwrite the loan, fund the loan at settlement, or service the loan. Typically, the\nmortgage loan is closed in the name of the mortgage loan seller or lender correspondent that\ncommissioned the broker’s services; but may also include so-called “table-funded” mortgage\nloans where the loan is closed in the broker’s name but is funded by the mortgage loan seller\nor the lender correspondent.\nDelivery is optional – code is auto-derived\n"}
diff --git a/chunks/json/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.json b/chunks/json/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.json
new file mode 100644
index 0000000000000000000000000000000000000000..bdc744dfbf8bed6005b77b928f8a90b4ba8d6ca1
--- /dev/null
+++ b/chunks/json/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":801141,"char_start":799220,"chunk_id":"chk_409c57e955489249","chunk_index":477,"chunk_sha256":"a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23","token_estimate":480,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Location of ADU – in this example, Location of ADU is ADU/Garage for the subject, and Dwelling for\nComparable #1.\n\n• Floor Number – the floor number of the ADU reflects the level on which the ADU is located (e.g., an ADU in\nthe below grade level of the primary dwelling is reported as B1, an ADU located above a detached garage is\nreported as 2).\n\no\n\nIn this example, Floor Number is 1 for the subject and B1 for Comparable #1.\n\nAppendix F-1: URAR Reference Guide\n\nPage 369 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nVehicle Storage Subsection\n\nInformation about the subject property’s garage area populates from the Vehicle Storage section. If the subject\nor comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to\nsupport adjustments and conclusions.\n\nIn this example, the vehicle storage portion of the subject is not heated, and Comparable #1 is heated. Therefore\nan additional row is needed, and the adjustment for Comparable #1 is attributable exclusively to the heating.\n\nNo Outbuilding Subsection\n\nADU/Garages do not redisplay in the Outbuilding subsection.\n\nCost Approach (Depreciated Cost - Outbuilding)\n\nIf the Cost Approach is included in the appraisal, the depreciated cost of the outbuilding is reported in the\nDepreciated Cost – Outbuilding subsection. The entire finished and unfinished area of the outbuilding is\nreported here, including the garage. In this example, Area Type for the garage is Garage.\n\nExample 4: Workshop with ADU and Vehicle Storage\n\nIn this example the subject has a multipurpose outbuilding with 1500 sq. ft. of GBA that includes:\n• 400 sq. ft. 2-car garage (not heated)\n• 600 sq. ft Accessory Dwelling Unit (includes heat and air conditioning)\n• 500 sq. ft. unfinished space used as a workshop - (not heated)\nOutbuilding Type is selected as Other, and described as ADU/Workshop/Garage.\n"}
diff --git a/chunks/json/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.json b/chunks/json/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.json
new file mode 100644
index 0000000000000000000000000000000000000000..715e8fdb36eb7e9b5c8b7aae6bc58f5428cc5171
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+++ b/chunks/json/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.json
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+{"chunk":{"char_end":1725,"char_start":0,"chunk_id":"chk_8f1508b37b840e00","chunk_index":0,"chunk_sha256":"a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_acdd3dbd71b47e1c","text_sha256":"a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Credit_Scores___FHFA_3p2ffv.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/credit-scores\"\ndate_accessed: \"2026-01-27T17:54:20.432Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.json b/chunks/json/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.json
new file mode 100644
index 0000000000000000000000000000000000000000..7462ba8c162f63512515c524c34c44f99697ebff
--- /dev/null
+++ b/chunks/json/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9722,"char_start":8119,"chunk_id":"chk_15eb40016679177f","chunk_index":5,"chunk_sha256":"a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Water Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1)\n\nNone\n\nDwelling Exterior Commentary\n\nEach unit has its own centralized, thermostatically controlled HVAC.\n\nUnit Interior - Building 1 - Unit A\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n1\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 26\n\nUnit Interior - Building 1 - Unit A (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nNot Updated\n\nNot Updated\n\nTime Frame\n\nQuality Comment\n\nCondition Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n"}
diff --git a/chunks/json/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.json b/chunks/json/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.json
new file mode 100644
index 0000000000000000000000000000000000000000..eb26aedeb8b565123604eaa3f8f244f636579ea2
--- /dev/null
+++ b/chunks/json/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22781,"char_start":21372,"chunk_id":"chk_c71dae35b2f5ed90","chunk_index":12,"chunk_sha256":"a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"[Fannie Mae Credit Score Solicitation](http://singlefamily.fanniemae.com/originating-underwriting/credit-score-models)*(2/18/2020)*\n\nFreddie Mac Credit Score Solicitation​*(2/28/2020)*\n\n**Final Rule Resources**\n\nNews Release: [FHFA Publishes Final Rule on Credit Score Models](/news/news-release/fhfa-publishes-final-rule-on-credit-score-models)*(8/13/2019)*\n\nFinal Rule: [Validation and Approval of Credit Score Models](/regulation/federal-register/proposed-rulemaking/validation-and-approval-of-credit-score-models) *(8/13/2019)*\n\nFact Sheet: [Validation and Approval of Credit Score Models - Final Rule](/sites/default/files/2023-03/validation-and-approval-of-credit-score-models-final-rule.pdf) *(8/13/2019)*\n\n**Proposed Rule Resources**\n\nWebinar Recording: [Validation and Approval of Credit Score Models Proposed Rule](https://youtu.be/2NbOt58V_vI)*(1/9/2019)*\n\nWebinar Transcript: [Validation and Approval of Credit Score Models Proposed Rule](/sites/default/files/2023-05/192019_Webinar-FHFA-validation-transcript.pdf) *(1/9/2019)*\n\nWebinar Slide Presentation: [Validation and Approval of Credit Score Models Proposed Rule](/sites/default/files/2023-05/CS-validation-and-approval-prop-rule-webinar-PPT.pdf) *(1/9/2019)*\n\nProposed Rule: [Validation and Approval of Credit Score Models by the Enterprises](/news/fact-sheet/validation-and-approval-of-credit-score-models-by-the-enterprises)*(12/13/2018)*\n"}
diff --git a/chunks/json/a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134.json b/chunks/json/a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134.json
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+{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_4a2a4aeb4ce97a40","chunk_index":0,"chunk_sha256":"a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_97f5e3f8492ce251","text_sha256":"a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA_bk1qx6.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/pudb\"\ndate_accessed: \"2026-01-27T17:54:20.590Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.json b/chunks/json/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.json
new file mode 100644
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+++ b/chunks/json/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.json
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diff --git a/chunks/json/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.json b/chunks/json/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.json
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index 0000000000000000000000000000000000000000..eb4607cb96c5453196ad971373c1abc3250e001a
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+++ b/chunks/json/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.json
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+{"chunk":{"char_end":1795,"char_start":1628,"chunk_id":"chk_7a34ed3d31825cf3","chunk_index":1,"chunk_sha256":"a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae","token_estimate":42,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf","below_target_min_tokens"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage iii of 76\n"}
diff --git a/chunks/json/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.json b/chunks/json/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.json
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index 0000000000000000000000000000000000000000..569cb6fd65389836822f84f8336a9a3c0629e9ea
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+++ b/chunks/json/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.json
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+{"chunk":{"char_end":44715,"char_start":43096,"chunk_id":"chk_e605e673e06d4f38","chunk_index":41,"chunk_sha256":"a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Client/Lender\n\nThe AMC is the client\n\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 08.007) =\n\n“ManagementCompany”\n\nClient/Appraisal Management\nCompany\n\nAnother entity -\nAttorney\n\nAnother entity -\nInvestor\n\nAnother entity -\nClient\n\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Attorney”\n\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Investor”\n\nClient/Attorney\n\nClient/Investor\n\n− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”\n− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Other”\n\nPartyRoleTypeOtherDescription (UID: 2400.0366, FID: 08.007)\n\nClient/[Other Description]\n\nClients\n\nClients\n\nClients\n\nClients\n\nClients\n\nThe AMC is not the\nclient\n\n− PartyRoleType (FID: 2400.0365, UID: 08.007) =\n\n“ManagementCompany”\n\nAppraisal Management\nCompany\n\nWhen Lender/AMC is not the\nClient\n\nExample showing Client/Lender and AMC\nIn this example, credentials (licensing information) are reported for the AMC. (Figure 08 - 2)\n\nFigure 08 - 2\n\nAlthough the information is similar for clients and non-clients, the data points are different and clients require an additional PartyRoleType, therefore they\nare split out in this document.\n\nClient\n\nCompany name and address is reported for clients, credentials (license information) are reported for AMCs when applicable (when required by the\njurisdiction in which the subject property is located).\n\n• Clients must have an additional PartyRoleType (UID: 2400.0365, FID: 08.007) to identify the type of client.\n"}
diff --git a/chunks/json/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.json b/chunks/json/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.json
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index 0000000000000000000000000000000000000000..6e024980080c85fd8997f7fe0769be4885c41adc
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+++ b/chunks/json/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10403,"char_start":8712,"chunk_id":"chk_065f91f8a86b4a00","chunk_index":5,"chunk_sha256":"a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"On/after March 1: All loans that run package edits on/after March 1 will receive the Mission Index values based on the new\nmethodology. To receive scores based on the new methodology for the loans in Loan Delivery submitted prior to March 1\nbut not yet closed/purchase ready, you must click “Run and Save Edits”.\n\nFor details on the Mission Index Display in Loan Delivery, see Loan Delivery Mission Index Job Aid. And more information on\nthe Social Bond Framework and the Mission Index can be found on Fannie Mae’s website and via our Perspectives blog:\n“Mission in Focus: Enhanced Disclosures Lay the Groundwork for Single-Family Social MBS.”\n\n© 2023 Fannie Mae Page 4 of 10\n\nMar 25, 2024\n\nDuty to Serve\n\nBeginning on March 25, 2024, lenders will no longer be required to add Special Feature Code (SFC) 874, Duty to Serve LLPA\nWaiver, to loans at the time of delivery. Loan Delivery will validate when loans are eligible for the LLPA waiver and\nautomatically populate the SFC on the loans.\n\nMar 25, 2024\n\nULDD Phase 5\n\nTo support the first implementation of ULDD phase 5, Loan Delivery will introduce\n\n• User Interface (UI) changes\n\no New “Temporary Buydown Amount” field on the user interface (UI) on the Loan Details page in the Closing Cost\n\nsection\n\no New “Servicing Transfer Effective Date” field on the user interface (UI) on the Loan Details page in the General\n\nLoan Information section\n\n•\n\nEdit updates\n\no New informational edits around Appraisal and Buydown Amount (Note: These edits are not displayed on the UI.\nInformational edits can be viewed on the “Edits CSV” export prior to loans being submitted. Download the “Edit\nHistory CSV” export in Loan Delivery to view the edits)\n"}
diff --git a/chunks/json/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.json b/chunks/json/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.json
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+++ b/chunks/json/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_8f373f6d25122011","chunk_index":0,"chunk_sha256":"a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752","date_utc":"2026-01-27T18:29:44+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34e15208986a1b11","text_sha256":"a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752","token_estimate":431,"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":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D‐3: Completion Report Scenario – Repair (CR1)\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #  Revision Description\n\n09/17/2024\n\n12/12/2023\n\n1.2\n\n1.1\n\nSee Appendix D‐3: Completion Report Sample Scenario Matrix for complete\nlist of updates.\nSee Appendix D‐3: Completion Report Sample Scenario Matrix for complete\nlist of updates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThe appraisal was initially made subject to repair as the hot water heater did not appear to be\noperational. The property was later reinspected, and the water heater is reported to have been\nrepaired. However, additional damage was noted as the carpet within the basement was damaged due\nto a water leak prior to the repair of the hot water heater. Thus, the carpet is required to be replaced as\nthis may have impacted the original assignment results.\n\nNote: It is not typical for a Completion Report to identify new issues. This scenario is intended to be an\nexample of what the report and XML would reflect in the rare instance when this occurs.\n\nKey Characteristics\n\n Multiple defects noted\n\no Original: Water heater non‐operational\no New: Carpet damage due to water leak\n\n Market Value Condition remains Subject to Repair\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the completion report.\n"}
diff --git a/chunks/json/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.json b/chunks/json/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.json
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+++ b/chunks/json/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_e63da54384f84e0f","chunk_index":0,"chunk_sha256":"a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"Loan Delivery Enhancements\nQuick Guide for Loan Delivery Enhancements\n\nThis Loan Delivery Enhancements guide provides access to this year’s previous, current, and upcoming Loan Delivery updates in an easy-to-read format all in one document.\n\nLooking for business rules updates? Review the LD Edit Change Effective Date column on the Edits_LD tab in the Business Rules Dictionary for business rule updates.\n\nDecember 16, 2024\n\nJust Released\n\nEffective\nDate\nDec 16, 2024\n\nImpacted Area\n\nDescription\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n•\n\n2 edits for HomeStyle Renovation and 2 edits validating eNote eligibility moving from informational to warning\n2 edits moving from warning to fatal to validate modified loan data\n\nOn the Horizon\n\nEffective\nDate\nJan 27, 2025\n\nImpacted Area\n\nDescription\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n•\n\n1 edit moving from informational to warning to validate interest rate\n2 DU compare edits moving form warning to fatal to validate monthly income\n\n© 2023 Fannie Mae Page 1 of 10\n\nEffective\nDate\nFeb 3, 2025\n\nImpacted Area\n\nWire Instructions\nUpdate\n\nDescription\n\nEffective February 3, 2025, the Seller’s Designation of Wire Transfer Instructions (Form 482) will be updated for sellers to\nprovide Beneficiary Address (street, city, state, zip) information for whole loan purchases. This will be a new requirement to\nconform to the Federal Reserve’s ISO 20022 standards. The required beneficiary address is the address of the business entity\nreceiving the funds.\n"}
diff --git a/chunks/json/a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8.json b/chunks/json/a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8.json
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+{"chunk":{"char_end":289021,"char_start":287394,"chunk_id":"chk_f6faf3bafeb796e6","chunk_index":154,"chunk_sha256":"a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"RegulationZPointsAn\ndFeesIndicator\n\ntrue\n\nFullName\n\nInsurance Co.\n\nROF as\n“Homeowner’s\nInsurance Premium”\n\nNot Shown –\nATR/QM\n\nCompany name of\npayee\n\nPrepaidItemActualPa\nymentAmount\n\n1209.96\n\nROF as “$1,209.96”\n\nPrepaidItemPayment\nPaidByType\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\nPrepaidItemPayment\nTimingType\n\nBeforeClosing\n\nAppendix E: UCD Implementation Guide\n\nPage 131 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFigure 84. Prepaids\n\n8.6.1 N/A\n\n8.6 N/A –XML\n\n8.6.1 Mortgage Insurance\n\nPremium (# mo. to\n____)\n\n8.6\n\n8.6\n\nMortgage Insurance\nPremium\n\nMortgage Insurance\nPremium\n\nN/A - GSE\n\nUID\n8.242\n\n8.6.1 Mortgage Insurance\n\nPremium (# mo. to\n_____)\n\n8.6.2 Borrower-Paid Before\n\nClosing Mortgage\nInsurance Premium\n\n8.6.2 Borrower-Paid\n\n8.6.2 At Closing\n\n8.6.1 N/A\n\n8.7 N/A - XML\n\n8.7 Prepaid Interest\n\n8.7.1 Prepaid Interest from\n___ to ___ ($ per\nday)\n\n8.7.1 Prepaid Interest from\n\n___ to ___ ($ per\nday)\n\nSecond Instance of PREPAID_ITEM\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider\n\nNot Shown –\nATR/QM\n\nIntegratedDisclosure\nSectionType\n\nPrepaids\n\nNot Shown\n\nPrepaidItemMonthsP\naidCount\n\n1\n\nROF as “(1 mo.)”\n\nPrepaidItemType\n\nMortgageInsurancePr\nemium\n\nROF as “Mortgage\nInsurance Premium”\n\n@gse:DisplayLabelTe\nxt\n\nMortgageInsurancePr\nemium\n\nROF as “Mortgage\nInsurance Premium”\n\nRegulationZPointsAn\ndFeesIndicator\n\ntrue\n\nFullName\n\nMI Co.\n\nNot Shown –\nATR/QM\n\nCompany name of\npayee\n\nPrepaidItemActualPa\nymentAmount\n\n109.00\n\nROF as “$109.00”\n\nPrepaidItemPayment\nPaidByType\n"}
diff --git a/chunks/json/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.json b/chunks/json/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.json
new file mode 100644
index 0000000000000000000000000000000000000000..11c72e708b34471e1beb45a4952bc804278ad042
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+++ b/chunks/json/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.json
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+{"chunk":{"char_end":1872,"char_start":0,"chunk_id":"chk_74b766187ab9acfe","chunk_index":0,"chunk_sha256":"a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d62475641b3949a6","text_sha256":"a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730","token_estimate":572,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Making_government_services_easier_to_find___USAGov_b6tlap.md"]},"text":"---\nsource_url: \"https://www.usa.gov/\"\ndate_accessed: \"2026-01-27T17:47:50.041Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-W8LW6DB]* [Skip to main content](#skip-to-h1)\n\n![image](/themes/custom/usagov/images/favicon-57.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![image](/themes/custom/usagov/assets/img/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![image](/themes/custom/usagov/assets/img/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock icon ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\ndocument.getElementById('gov-banner-default').setAttribute('hidden', 'until-found'); [Home](/) Close\n\nSearch ![Search](/themes/custom/usagov/components/searchbar/images/search--dark.svg) [1-844-USAGOV1](/phone)\n\n- [All topics and services](/#all-topics-header) - [The U.S. and its government](/about-the-us)\n - [Complaints](/complaints)\n - [Disability services](/disability-services)\n - [Disasters and emergencies](/disasters-and-emergencies)\n - [Education](/education)\n - [Government benefits](/benefits)\n - [Health](/health)\n - [Housing help](/housing-help)\n - [Immigration and U.S. citizenship](/immigration-and-citizenship)\n - [Jobs, labor laws and unemployment](/jobs-labor-laws-unemployment)\n - [Laws and legal issues](/laws-and-legal-issues)\n - [Military and veterans](/military-and-veterans)\n - [Money and credit](/money)\n - [Scams and fraud](/scams-and-fraud)\n - [Small business](/small-business)\n - [Taxes](/taxes)\n - [Travel](/travel)\n - [Voting and elections](/voting-and-elections)\n - [Life events](/life-events)\n - [About USAGov](/about)\n"}
diff --git a/chunks/json/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.json b/chunks/json/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.json
new file mode 100644
index 0000000000000000000000000000000000000000..f8ebcc5ac06299e182041522d87862eda22793e8
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+++ b/chunks/json/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.json
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+{"chunk":{"char_end":1223392,"char_start":1221736,"chunk_id":"chk_adea06118c3659e4","chunk_index":726,"chunk_sha256":"a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72","token_estimate":414,"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=‘0’]/PRIOR\n_SALES/@DataSourceEffectiveDate\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N’]/PRI\nOR_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSIO\nN_SECTION[@ExtensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET ']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP\nriorSaleDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nAt least one instance of this field is required\n(i.e. for at least one comp) if field 2-111\n(Comparable Has Prior Sales Indicator = 'Y') is\nindicated.\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nR\n\nR\n\nCR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 201 of 211\n\nDocument Version 1.4\n\nSort\nID\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\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nAt least one instance of this field is required\n(i.e. for at least one comp) if field 2-111\n(Comparable Has Prior Sales Indicator = 'Y') is\nindicated.\n\nCR\n\n365\n\n366\n\n2\n\n2\n\n119\n\n120\n\nSALES\nCOMPARISON\nAPPROACH\n\nPrice of Prior Sale/Transfer\nCOMPARABLE\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI\nOR_SALES/@PropertySalesAmount\n"}
diff --git a/chunks/json/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.json b/chunks/json/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d4d8015770869afd347bf7d16dd91dcd7cf1fc1
--- /dev/null
+++ b/chunks/json/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16807,"char_start":15057,"chunk_id":"chk_87edd4db847300a1","chunk_index":9,"chunk_sha256":"a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd","token_estimate":438,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"900000\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nSingleEntityGreatestNumberOfUnitsOwned\n\n3 units owned by developer are for sale.\n\nNeutral\n\nAssignment\n\nThe client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information regarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the listing real estate agent. Dimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent.\n\nSubjectProperty\n\nThe subject property is a single family detached site condominium. The land it sits on is not owned in common with the condominium association referenced in the subject property's legal description. All units in the project consist of similar detached site condominiums.\n\nMarket\n\nThe subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is considered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal description has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more limited. There is no measurable impact to marketability within this area.\n\nSiteInfluences\n\nThe subject property backs to a golf course with views of the 15th hole. The property does sit back from the course and is unaffected by stray golf balls.\n\nProjectFactors\n\nThe Developer is not in control of the HOA. This appraiser's research of the subject property and project did not indicate the presence of any known legal actions, tax abatements, or any tax exemptions of any manner.\n"}
diff --git a/chunks/json/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.json b/chunks/json/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.json
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index 0000000000000000000000000000000000000000..ad1c69241806b69d909d2f753b45eaf104dd36ab
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+++ b/chunks/json/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":359426,"char_start":357810,"chunk_id":"chk_555fec76bb914a27","chunk_index":199,"chunk_sha256":"a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• A qualified attorney engaged by the lender must review the condo project legal documents and\n\n•\n\n•\n\ndetermine that the documents are in compliance with Fannie Mae's requirements.\nThis determination must be documented by the attorney in writing but need not rise to the level of a\nformal, written legal opinion. The attorney may be the same person who prepared the legal\ndocuments, or an attorney employed by the lender, but they cannot be an employee, principal, or\nofficer of the developer or sponsor of the project.\nThe lender must complete the Warranty of Condominium Project Legal Documents (Form 1054) and\nattach the attorney review as part of the PERS submission process.\n\nThe lender submits the complete project package, including all relevant supporting documentation, via email\nusing the PERS Project Submission mailbox. See Selling Guide E-1-02, List of Contacts.\n\nA member of the Project Standards team reviews the package to determine if the project is eligible for\napproval.\n\nUpon completion of the review, Fannie Mae issues its decision to the lender via email and posts approved\nprojects on its website. See Condo, Co-op, and Planned Unit Development (PUD) Eligibility for approved\nprojects listed for each state, the District of Columbia, and the U.S. Virgin Islands.\n\nFannie Mae informs the lender of the specific review fee assessed for each PERS submission. Lenders are\nbilled for PERS review fees in their “Monthly Technology Invoice.” For fees, see the Project Eligibility Review\nService (PERS) Overview on Fannie Mae's website.\n\n3.\n\n4.\n\n5.\n\n6.\n\n7.\n\nRequired Forms for Standard PERS Submission\n"}
diff --git a/chunks/json/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.json b/chunks/json/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.json
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index 0000000000000000000000000000000000000000..df3b445bb75769ebe3a4b3bcb2a27c12e2258e1b
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+++ b/chunks/json/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21406,"char_start":19778,"chunk_id":"chk_4a1043db09b35b75","chunk_index":12,"chunk_sha256":"a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Add comment if needed.\n\nModerately Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 2 - Unit 2)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nCabinetry\n\nCabinetry\n\nLocation\nBathroom\n\nKitchen\n\nDescription\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nNo\n\nNone\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 11 of 29\n\nUnit Interior - Building 2 - Unit 2 (continued)\n\nUnit Interior Commentary\n\nSome areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected.\n\nUnit Interior Exhibits\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit 2 Bedroom 1 photo would display.\n\nThis is where the Unit 2 Bedroom 2 photo would display.\n\nLevel 1 - Bath - Full\n\nLevel 1 - Kitchen\n\nThis is where the Full Bathroom photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nBathroom\n\nThis is where the Living Room photo would display.\n\nThis is where the Bathroom Cabinet Defect photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n"}
diff --git a/chunks/json/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.json b/chunks/json/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.json
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+++ b/chunks/json/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.json
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+{"chunk":{"char_end":8982,"char_start":7332,"chunk_id":"chk_5d1a6805d9875a89","chunk_index":4,"chunk_sha256":"a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84","date_utc":"2026-01-27T18:10:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b0bb634c8cbfe634","text_sha256":"a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84","token_estimate":413,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123115.pdf"]},"text":"Co-Borrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n5 -- No Co-Borrower\n\nCo-Borrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nPage 4 of 5\n\nColumn\n75 CoRace4\n\n76 CoRace5\n\n77 HOEPA\n\n78 LienStatus\n\n79 SpcHsgGoals\n\n80 FedFinStbltyPlan\n\n81 AcqTyp\n\n82 GSEREO\n\nAMA_PUDB_definitions_123115.xlsx\n\nDefinition\nCo-Borrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nHome Ownership and Equity Protection Act (HOEPA) Status\n1 – Subject to HOEPA\n2- Not subject to HOEPA\n\nLien Status\n1 – Secured by first lien\n2 – Secured by a subordinate lien\n3 – Not secured by a lien\n4 – Not Applicable (ie purchased loans)\n"}
diff --git a/chunks/json/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.json b/chunks/json/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.json
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index 0000000000000000000000000000000000000000..5a49619ade639997e00afcccab6974d7b4beba93
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+++ b/chunks/json/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.json
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+{"chunk":{"char_end":11755,"char_start":10275,"chunk_id":"chk_6304ec475eae9298","chunk_index":6,"chunk_sha256":"a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ae065bd8686d7b0d","text_sha256":"a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea","token_estimate":482,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FOIA___Privacy___FHFA_bc0jek.md"]},"text":"- ## FOIA\n\n![person looking at document](/sites/default/files/2023-02/images_0.jpg)\n\nThe FOIA is a federal law that provides a right of access to many federal agency..\n\n[Read More](/about/foia-office)\n\n- ## Privacy\n\n![Phone with lock icon next to pencil and glasses](/sites/default/files/2023-05/dan-nelson-ah-HeguOe9k-unsplash.jpg)\n\nThe [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information...\n\n[Read More](/about/privacy)\n\n- ## Reading Room\n\n![placeholder image](/sites/default/files/2023-02/The%2BBest%2BWays%2BTo%2BSecure%2BPaper%2BDocuments_0.jpg)\n\nThe Freedom of Information Act (FOIA) Reading Room is a searchable archive...\n\n[Read More](/about/foia-reading-room)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}
diff --git a/chunks/json/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.json b/chunks/json/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.json
new file mode 100644
index 0000000000000000000000000000000000000000..58cf66540a38525c6901f81330b2bf2ea47d10c0
--- /dev/null
+++ b/chunks/json/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":683004,"char_start":681282,"chunk_id":"chk_4613ecebe3a12e92","chunk_index":404,"chunk_sha256":"a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Subject’ and @AppraisalInspectionType=‘None’]\n\n533\n\n6\n\n39\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of subject\nproperty from street\n\nAppraisal\nInspection Type\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘ExteriorOnly’]\n\nPDF Display Format:\nmm/dd/yyyy\n\n1\n\n1\n\nEnumerated\n\nEnumerated\n\nIf field 6-27 (Supervisor Name) is\npopulated then one and only one of\nfields 6-38, 6-39, 6-41 (Appraisal\nInspection Property Type = 'Subject'\nand values of Appraisal Inspection\nType) should be indicated.\n\nIf field 6-27 (Supervisor Name) is\npopulated then one and only one of\nfields 6-38, 6-39, 6-41 (Appraisal\nInspection Property Type = 'Subject'\nand values of Appraisal Inspection\nType) should be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 125 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\nNote: fields 6-40 and 6-42 populate the same MISMO container.\n\n534\n\n6\n\n40\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection from street\n\nInspection Date\n\nThe date the inspection of the property\nwas performed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType=‘Subject’ and\n@AppraisalInspectionType=‘ExteriorOnly’]/@InspectionDate\n"}
diff --git a/chunks/json/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.json b/chunks/json/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b5db511bea1ade903f209c0c1d1dfba06d14455
--- /dev/null
+++ b/chunks/json/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":63096,"char_start":60544,"chunk_id":"chk_7bda7e15cdb565a4","chunk_index":33,"chunk_sha256":"a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da","token_estimate":638,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Manufactured Home Secured\nProperty Type: Manufactured Home\nSecured Property Type is a new HMDA\ndata element that indicates whether a\nmanufactured home loan was secured\nby the land and home, or only the\nhome.104 Because the Enterprises did\nnot purchase manufactured home loans\nsecured only by the home in 2018, they\ndid not collect this data element and,\n\n98 12 CFR 1003.4(a)(36).\n99 12 CFR 1003.4(a)(37).\n100 12 CFR 1003.4(a)(22); 1026.32(b)(6)(i).\n101 12 CFR 1003.4(a)(38).\n102 Regulation C requires applying the factors set\nout in the Official Interpretation of Regulation Z, 12\nCFR 1026.3(a), to determine whether single-family\nprinciple or second residence loans are Business or\nCommercial Purpose. See Official Interpretations to\nRegulation C, 12 CFR 1003.4(a)(38) and\n1003.3(c)(10) (comment 3(c)(10)–2). The Enterprises\ndo not collect data required to make such\ndeterminations.\n\n103 See Official Interpretations, 4(a)(38), 3(c)(10)–\n\n3(i) and 3(iii).\n\n104 12 CFR 1003.4(a)(29).\n\ntherefore, it is not available for\ninclusion in the Single-Family PUDB.\nThe Enterprises did purchase\nmanufactured home loans secured by\nboth the land and the home in 2018.\nThese loan purchases will be disclosed\nin the PUDB Single-Family Census Tract\nFile under the Construction Method\ndata element, which, as discussed above\nin Section II.B.2.i., identifies whether\nthe property is Site Built or a\nManufactured Home.\n\nTotal Points and Fees: Total Points\nand Fees is a new HMDA data element\nthat applies to loans covered by the\nAbility to Repay rule that were not\nsubject to the TRID closing disclosure\nrequirement and, therefore, cannot\nreport the TRID Total Loan Costs.105\nAccording to the CFPB, these loans\ngenerally are manufactured home loans\nsecured only by the home as personal\nproperty.106 Such loans must report the\ntotal amount of points and fees\ncalculated pursuant to Regulation Z,107\nwhich may differ from the TRID Total\nLoan Costs. Because neither Enterprise\nacquired such loans in 2018, they did\nnot collect this data element and,\ntherefore, it is not available for\ninclusion in the Single-Family PUDB.\nNon-Amortizing Features: Non-\nAmortizing Features is a new HMDA\ndata element that indicates whether the\nloan has any non-amortizing features,\nsuch as Balloon Payments, Interest-Only\nPayments, or Negative Amortization.108\nThe Enterprises indicated that they do\nnot purchase single-family loans with\nany non-amortizing features and, thus,\ndo not collect this data. This data\nelement, therefore, is not available for\ninclusion in the Single-Family PUDB.\n"}
diff --git a/chunks/json/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.json b/chunks/json/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.json
new file mode 100644
index 0000000000000000000000000000000000000000..35c3a9875aaf9f6e41d99823bcd15ba45aea412c
--- /dev/null
+++ b/chunks/json/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":429019,"char_start":427399,"chunk_id":"chk_8ee52920000b1084","chunk_index":247,"chunk_sha256":"a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nSite Built\nAttached\nRowhouse/Townhouse\n\nOverall Quality\nOverall Condition\n\nQ3\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAs Is Overall Condition Rating\n\nC4\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 2 of 22\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBetty Borrower\nBob Borrower\nJohn Doe\nJohn Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n"}
diff --git a/chunks/json/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.json b/chunks/json/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.json
new file mode 100644
index 0000000000000000000000000000000000000000..1f51b1544db9130f8f444e0ef893fbaedf8e3dfe
--- /dev/null
+++ b/chunks/json/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1147403,"char_start":1145747,"chunk_id":"chk_dbcba84ed0b1f276","chunk_index":681,"chunk_sha256":"aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4","token_estimate":414,"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='0']/COMPA\nRISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON_DETAIL/@GSEBelowGradeOtherRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='FunctionalUtility']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='HeatingCooling']/@_Description\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the finished square footage in whole numbers\nonly, no commas. If 0% finished, a value of zero (0) must be entered.\n\n5\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n\nThis field is required if the value of field e-18\n(GSE Below Grade Total Square Feet Number)\nis greater than zero.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n12\n\nEnumerated\n\nAllowable Values PDF Display:\nWalkOut wo\nWalkUp wu\nInteriorOnly in\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished recreation rooms in the basement.\n"}
diff --git a/chunks/json/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.json b/chunks/json/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.json
new file mode 100644
index 0000000000000000000000000000000000000000..6c11b443734c719cb41be431d8062d8b62385fd4
--- /dev/null
+++ b/chunks/json/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":398583,"char_start":396894,"chunk_id":"chk_6aa4f75bf8333bed","chunk_index":222,"chunk_sha256":"aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Loans in which there is a chattel lien on the home plus a real property lien on the land are unacceptable.\n\nTitle Insurance\n\nThe mortgage must be covered under a standard real property title insurance policy that insures that the manufactured home\nis part of the real property that secures the loan.\n\nAmerican Land Title Association® (ALTA®) Endorsement 7, 7.1, or 7.2 or any other endorsement required in the applicable\njurisdiction for manufactured homes to be treated as real property must be included in the file.\n\nLoan Documents\n\nFannie Mae prefers lenders to use the standard Fannie Mae Uniform Instruments (see Security Instruments).\n\nIf the Uniform Instruments are not used, then the lender must adhere to the following requirements:\n\n• A single note must be used evidencing all the debt related to the land and the home, and a mortgage, deed of trust, or\n\nGeorgia security deed securing such indebtedness (plus the certificate of title if state law so requires).\n\n• The note used must provide the nonstandard document warranties that are referenced in A2-2-03, Document\n\nWarranties.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 162 of 166\n\nUAD 3.6 Policy\n\nLoan documents are not acceptable if they:\n\n•\n\nstate that the home is personal property or contain other words to that effect;\n\n•\n\nstate that the parties do not intend to attach the home to a permanent foundation system on the land, or contain\nstatements inconsistent with that intention;\n\n• unless required by law, provide that rights of holders in due course are waived, or with other words provide that an\n\nassignee note holder may be held liable for claims the borrower may have against other parties; or\n"}
diff --git a/chunks/json/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.json b/chunks/json/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.json
new file mode 100644
index 0000000000000000000000000000000000000000..81b7f7167111e01fc425d9175ee660c0264addaf
--- /dev/null
+++ b/chunks/json/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8439,"char_start":8401,"chunk_id":"chk_0dc6865b047d9941","chunk_index":5,"chunk_sha256":"aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587","token_estimate":13,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf","below_target_min_tokens"]},"text":"© 2021 Fannie Mae 2.24.21 Page 4 of 4\n"}
diff --git a/chunks/json/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.json b/chunks/json/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.json
new file mode 100644
index 0000000000000000000000000000000000000000..2dc83ac7aa861d59dfa7ea188784cdcb5bb56aed
--- /dev/null
+++ b/chunks/json/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5016,"char_start":3309,"chunk_id":"chk_1f96d9a2901427c9","chunk_index":2,"chunk_sha256":"aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Field Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nCharacters 6-11:\nTract\n\nDisclosure\nAvoidance\nMethod\nrecords exist in\nthat Census Tract\nin the year of\nthat appraisal.\n\nAppraisal Form\nSection\n\nNotes\n\nsufficient address\ninformation to\nreliably geocode the\naddress to a census\ntract.\n\npurpose\n\nMortgage Loan Purpose\n\nowner_occupied\n\nOccupancy Status of the\nunit as of the time of\nappraisal\n\nFederal Housing Finance Agency\n\nReason for a mortgage loan,\nlimited to either a home\npurchase, refinance or other\npurpose. A home purchase\nmortgage is a transaction when\na loan is originated for the\npurpose of buying a home from\na different entity. A refinance\nis a transaction in which a\nborrower with an existing\nmortgage takes out a new\nmortgage and uses the\nproceeds from the new\nmortgage to repay the original\nmortgage. Other includes\nmortgages for which appraisers\ndid not select purchase or\nrefinance but instead provided\na description in a text field.\n\nIn an owner-occupied property,\nthe owner lives in the subject\nproperty at the time of the\nappraisal. Properties that are\nnot owner-occupied are vacant\n\nCharacter\n\n'1' = Home\nPurchase\n'2' = Refinance\n'3' = Other\n'9' = Missing\n\nSubject\n\nCharacter\n\n'1' = Yes\n'2' = No\n'9' = Missing\n\nSubject\n\nThis field should not\nbe confused as the\nowner occupancy\nstatus after the\nmortgage is\n\n3\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nDisclosure\nAvoidance\nMethod\n\nAppraisal Form\nSection\n\nNotes\n\nUAD PUF Version 2.1 Data Dictionary\n\nor occupied by tenants at the\ntime of appraisal.\n\ncontract_price\n\nContract Price\n\nFor purchase transactions, this\nis the contract price of the\nsubject property as of the\nappraisal report date.\n"}
diff --git a/chunks/json/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.json b/chunks/json/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.json
new file mode 100644
index 0000000000000000000000000000000000000000..e8b8f914b6be774222d55883ee7472355f3f8491
--- /dev/null
+++ b/chunks/json/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12533,"char_start":10428,"chunk_id":"chk_b48d9cfd854e5f18","chunk_index":6,"chunk_sha256":"aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_53cdb7ce3f149cb3","text_sha256":"aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b","token_estimate":519,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Search_or_Browse_Mortgage_Documents___FHFA_51hhk4.md"]},"text":"- Any -\n\nA\n\nB\n\nC\n\nD\n\nE\n\nF\n\nG\n\nH\n\nI\n\nJ\n\nK\n\nL\n\nM\n\nN\n\nO\n\nP\n\nQ\n\nR\n\nS\n\nT\n\nU\n\nV\n\nW\n\nX\n\nY\n\nZ Document Type - Any - Origination Document Security Instrument Note Rider or Addendum Special Purpose Document Servicing Document\n\nDocument Title Languages Source / Form Number # [CFPB Escrow Cancellation Notice](/mortgage-translations/document/cfpb-escrow-cancellation-notice) Spanish CFPB [Form 182 - Adverse Action Notice](/mortgage-translations/document/form-182-adverse-action-notice) English, Spanish CFPB [Authorized Changes for ARM Riders](/mortgage-translations/document/authorized-changes-for-arm-riders) English Freddie Mac [Oregon Translation of HUD Truth in Lending Settlement Statement](/mortgage-translations/document/oregon-translation-of-hud-truth-in-lending-settlement-statement) Spanish / Español State Agencies [Supplemental Consumer Information Form (SCIF) Rendering Options](/mortgage-translations/document/supplemental-consumer-information-form-scif-rendering-options) English Fannie Mae; Freddie Mac\n\n- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [6](?page=5)\n - [7](?page=6)\n - [8](?page=7)\n - [9](?page=8)\n - …\n - [Next](?page=1)\n - [Last](?page=31)\n\n***LEGAL DISCLAIMER***\n\n*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​​​*\n"}
diff --git a/chunks/json/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.json b/chunks/json/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.json
new file mode 100644
index 0000000000000000000000000000000000000000..260322762d04818f9d1cf2b8d296c49732c3745a
--- /dev/null
+++ b/chunks/json/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31419,"char_start":29789,"chunk_id":"chk_808aaac1d0532a8c","chunk_index":16,"chunk_sha256":"aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb","token_estimate":408,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"a. Single-family Data Fields 41a–41e:\nBorrower Race or National Origin 1–5\nThese data fields identify the race or\n\nnational origin of the borrower of the\nloan acquired by the Enterprise. Since\n2004, the Enterprises have been\nreporting single-family borrower race or\nnational origin in accordance with five\ndefined fields—borrower race1-\nborrower race5—but the data was\nincluded in a single race or national\norigin field in the PUDB. The\nEnterprises did not comment on these\ndata fields.\n\nTo conform to HMDA reporting\nrequirements, FHFA has incorporated\nthese five fields in the single-family\nCensus Tract File to reflect HMDA’s\nborrower race or national origin fields.\n(See the single-family matrix in the\nAppendix for the specific codes that\napply to these data fields.) FHFA is\ncontinuing to include the data as a\nsingle data field in National Files A and\nB, using an algorithm for collapsing the\nfive borrower race or national origin\nfields and borrower ethnicity field to the\nsingle field. The single data field in\nNational Files A and B is constructed as\nfollows:\n\ni. If the borrower ethnicity field\n\nindicates that the borrower is Hispanic\nor Latino, then the single field’s value\nindicates the value for ‘‘Hispanic or\nLatino’’ regardless of race (consistent\nwith reporting prior to 2004);\n\nii. Otherwise, if a unique value within\n\nborrower race1- borrower race5\nindicates that the borrower is American\nIndian or Alaskan Native, Asian, Black\nor African American, Native Hawaiian\nor Other Pacific Islander, or White, then\nthe single field’s value is that unique\nvalue (this includes multiple selections\nof that unique value);\n"}
diff --git a/chunks/json/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.json b/chunks/json/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.json
new file mode 100644
index 0000000000000000000000000000000000000000..b8696ad7aba2dff06cdafe72bc38d2cb3661fae7
--- /dev/null
+++ b/chunks/json/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4975,"char_start":3346,"chunk_id":"chk_b1d0f7241d4febbb","chunk_index":2,"chunk_sha256":"aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf"]},"text":" permit fees,\n\n\n\narchitectural and design services, or\n\n borrower deposits.\n\nRemoval of Renovation Cost Cap for Manufactured Homes\n\nWe have removed the $50,000 cap on renovation costs for manufactured homes. Lenders may now allow renovation costs up to\n50% of the as-completed appraised value for eligible manufactured homes.\n\nClarification for HomeStyle Renovation Limited Cash-Out Refinance Transactions\n\nLenders may use HomeStyle Renovation limited cash-out refinance transactions to buy out a co-owner’s interest, such as in cases\nof inheritance or divorce, while completing renovations. Borrowers may not receive any cash proceeds from these transactions,\nincluding those typically permitted under a standard limited cash-out refinance eligibility requirement.\n\nEffective: Lenders may take advantage of these changes immediately. DU will be updated in a future release to reflect these\nchanges.\n\nRemove the 3% acceptability requirement for 7- and 10-Year ARMs\n\nThe Selling Guide currently requires lenders to determine whether an ARM loan is acceptable for purchase by Fannie Mae by\nsubtracting the initial note rate of the loan from the fully indexed rate in effect when the loan originated. The difference must not\nexceed 3%. We updated our Guide to remove the 3% acceptability requirement for 7- and 10-year ARMs.\n\nEffective: Lenders may take advantage of this policy change immediately.\n\n© 2025 Fannie Mae SEL-2025-10 Page 2 of 4\n\nAccessory dwelling units and manufactured homes updates\n\nWe expanded our accessory dwelling unit (ADU) criteria to meet the growing demand for flexible and affordable housing\nsolutions.\n"}
diff --git a/chunks/json/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.json b/chunks/json/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.json
new file mode 100644
index 0000000000000000000000000000000000000000..603d81c264ca04a395cb0a9239950f51739f2aec
--- /dev/null
+++ b/chunks/json/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23954,"char_start":22811,"chunk_id":"chk_c5addb448c546935","chunk_index":16,"chunk_sha256":"aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"6.0\n\n6.1.1 $\n\n6.2 Cash to Close\n\n6.2.1 $\n\n5.2.4 $ min\n5.2.5 $ max\n\n5.3.2 + $\n5.4.2 + $\n\n5.5.3 $ min\n5.5.4 $ max\n\n5.2.6 $ min\n5.2.7 $ max\n\n5.3.3 + $\n5.4.3 + $\n\n5.5.5 $ min\n5.5.6 $ max\n\n5.2.8 $ min\n5.2.9 $ max\n\n5.3.4 + $\n5.4.4 + $\n\n5.5.7 $ min\n5.5.8 $ max\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other:\nSee Escrow Account on page 4 for details. You must pay for other property\ncosts separately.\n\nIn escrow?\nNO/SOME/YES\nNO/SOME/YES\nNO/SOME/YES\n\nIncludes 6.1.2 $\nin Lender Credits. See page 2 for details.\n\nin Loan Costs + 6.1.3 $\n\nin Other Costs – 6.1.4 $\n\nIncludes Closing Costs. See Calculating Cash to Close on page 3 for details.\n6.2.2 From To Borrower\n\nCLOSING DISCLOSURE\n\nPAGE 1 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Alternate Disclosure\n\nClosing Cost Details\n\nLoan Costs\n7.1 A. Origination Charges\n7.2.1 % of 7.2 Loan Amount (Points)\n7.3 Fee Item\n\n7.0\n\nBorrower-Paid\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.2.1 to Payee Type\n7.3.1 to Payee Type & Name\n\n7.2.2 $\n7.3.2 $\n\n7.1.1 $\n\n7.2.3 $\n7.3.3 $\n\n7.2.6 $\n7.3.6 $\n\n7.4 B. Services Borrower Did Not Shop For\n7.5 Fee Item\n"}
diff --git a/chunks/json/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.json b/chunks/json/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.json
new file mode 100644
index 0000000000000000000000000000000000000000..770248a22e4914678f487a2c2e9073d50abd8f1c
--- /dev/null
+++ b/chunks/json/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":121904,"char_start":120116,"chunk_id":"chk_40fda6d7584f2ab9","chunk_index":68,"chunk_sha256":"aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874","token_estimate":447,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"thus, prohibited;\n\n• misrepresentation of the physical characteristics of the subject property, improvements, or comparable sales;\n•\n\nfailure to comment on negative impacts with respect to the subject market area, the subject property, or proximity of the\nsubject property to adverse influences;\nfailure to adequately analyze and report any current contract of sale, option, offering, or listing of the subject property\nand the prior sales and transfers of the subject property and the comparable sales;\nselection and use of inappropriate comparable sales;\nfailure to use comparable sales that are the most locationally and physically similar to the subject property;\ncreation of comparable sales by combining vacant land sales with the contract purchase price of a home that has been\nbuilt or will be built on the land;\n\n•\n\n•\n•\n•\n\n• use of adjustments to comparable sales that do not reflect market reaction to the differences between the subject\n\nproperty and the comparable sales;\n\nfailure to make market-derived adjustments, including time adjustments, when they are clearly indicated;\n\n• not supporting adjustments in the sales comparison approach;\n•\n• use of data, particularly comparable sales data, provided by parties that have a financial interest in the sale or in the\nfinancing of the subject property without the appraiser’s verification of the information from a disinterested source;\n• development of an appraisal or reporting an appraisal in a manner or direction that favors the cause of either the client\nor any related party, the amount of the opinion of value, the attainment of a specific result, or the occurrence of a\nsubsequent event in order to receive compensation or employment for performing the appraisal or in anticipation of\nreceiving future assignments; or\n"}
diff --git a/chunks/json/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.json b/chunks/json/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.json
new file mode 100644
index 0000000000000000000000000000000000000000..10459a273496babce202aafff99b207132ab5c68
--- /dev/null
+++ b/chunks/json/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":556777,"char_start":554859,"chunk_id":"chk_a50ebd93db3fd297","chunk_index":328,"chunk_sha256":"aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d","token_estimate":480,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SALES\nCOMPARISON\nAPPROACH\n\nSale Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@SalesPricePerGro\nssLivingAreaAmount\n\n10\n\n60\n\n20\n\n11\n\n12\n\nString\n\nString\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address elements must be included in\nthis field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\nThis data is referenced more than once on the form, and must be represented\nconsistently to the extent that the available space permits.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n·Address unit designator and number.\nThis data is referenced more than once on the form (fields 1-7, 3-12a, 6-20a) and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· City\nThis data is referenced more than once on the form (fields 1-8, 3-12b, 6-20b) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c), and must\nbe represented consistently.\n"}
diff --git a/chunks/json/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.json b/chunks/json/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.json
new file mode 100644
index 0000000000000000000000000000000000000000..84c02e6ea5dc971ac14ccf5f9b8bc67bce814723
--- /dev/null
+++ b/chunks/json/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81191,"char_start":79593,"chunk_id":"chk_dcda83083e9cc246","chunk_index":48,"chunk_sha256":"aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT[@SalesConcessionIndicator='\nN']\n\nPDF Display Format:\nmm/dd/yyyy\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\nString\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\nBoolean UAD Requirement - Refer to Appendix D Contract Section\n\n1\n\n1\n\n25\n\n1\n\n1\n\nSales Concession\nAmount\n\nThe dollar amount of the value of\nsales concessions granted by an\ninterested party including such items\nas furniture, carpeting, decorator\nallowances, automobiles, vacations,\nsecurities, giveaways or other sales\nincentives\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/@SalesConcessionAmount\n\n10\n\nMoney\n\nUAD Requirement - Refer to Appendix D Contract Section\nWhole dollars only.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nIf field 1-49 is indicated, and e-4 has a value\nof 'N', then this field is required.\n\nCR\n\nCR\n\nCR\n\n55\n\n1\n\ne-4\n\nCONTRACT\n\nIf Yes, report the total\ndollar amount and\ndescribe the items to be\npaid.\n\nGSE Undefined\nConcession Amount\nIndicator\n\nIndicates whether there is a known\nsales or financing concessions with\nan unknown dollar amount.\n\n/VALUATION_RESPONSE/PROPERTY/SAL\nES_CONTRACT/SALES_CONCESSION_EX\nTENSION/SALES_CONCESSION_EXTENSI\nON_SECTION[@ExtensionSectionOrganization\nName='UNIFORM APPRAISAL\nDATASET']/SALES_CONCESSION_EXTENS\nION_SECTION_DATA/SALES_CONCESSIO\nN/@GSEUndefinedConcessionAmountIndicator\n\n1\n\nBoolean\n\nThis field is required if field 1-49 is indicated.\n\nCR\n\nCR\n\nCR\n\nUAD Requirement - Refer to Appendix D Contract Section\n"}
diff --git a/chunks/json/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.json b/chunks/json/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.json
new file mode 100644
index 0000000000000000000000000000000000000000..ab12ea1267d57ff2b52cff93de36e50d5582c62a
--- /dev/null
+++ b/chunks/json/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":749010,"char_start":747368,"chunk_id":"chk_d520a25f86cd9d60","chunk_index":446,"chunk_sha256":"aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"For all possible Certifications and Scope of Work text that may display on the URAR, see Appendix C-1: URAR\nwith Report Field IDs (29.000-29.061).\n\nThe opening statement always displays.\n\nScope of Work\n\nThe Scope of Work subsection always displays.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nScope of Work\n\nAlways required\n\nYes | No\n\nAdditional Scope of Work\nIndicates whether there is additional scope of work.\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nN/A\n\n29.002\n29.003\n\nWhen Additional\nScope of Work is Yes\n\nFree-form\n\nAdditional Scope of Work Text\nNote: Additional Scope of Work cannot be contrary to, and should not repeat,\nthe predefined scope of work text.\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Use\n\n29.005 The intended\n\nuse of the\nappraisal is\nsolely to assist\nFHA …\n\nPredefined text that\ndisplays when\nGovernment Agency\nAppraisal Type 2.008 is\nFHA\n\nAppendix F-1: URAR Reference Guide\n\nPage 339 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n29.006\n29.007\n\nAdditional\nIntended Use\n\nWhen applicable for\nFHA, VA, or USDA\nappraisals\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nAdditional Intended Use Text\nNote: Additional Intended Use cannot be contrary to, and should not repeat,\nany of the predefined text.\n\nIntended Use\n\nIntended User\n\nThe Intended User subsection always displays.\n"}
diff --git a/chunks/json/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.json b/chunks/json/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.json
new file mode 100644
index 0000000000000000000000000000000000000000..97e6c07e5c9800d8060de55da00593c6a41e460c
--- /dev/null
+++ b/chunks/json/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":951796,"char_start":950173,"chunk_id":"chk_4655bf0b84aba7f8","chunk_index":566,"chunk_sha256":"aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Energy Efficient Items 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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='EnergyEfficient']/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='CarStorage']/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport Adjustment\n\nPorch/Patio/Deck\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='CarStorage']/@_Amount\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='PorchDeck']/@_Description\n\nPorch/Patio/Deck Adjustment\n\nSale Price\nAdjustment Amount\n"}
diff --git a/chunks/json/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.json b/chunks/json/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.json
new file mode 100644
index 0000000000000000000000000000000000000000..bfdb802b4b6cc65c6d4053fa9a0e0fcbf94cc99e
--- /dev/null
+++ b/chunks/json/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":84404,"char_start":82803,"chunk_id":"chk_f1a422031b593a52","chunk_index":49,"chunk_sha256":"aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Unit D Bath 1 photo would display.\n\nThis is where the Unit D Bath 2 photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 12 of 26\n\nUnit Interior - Building 1 - Unit D (continued)\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit D Bedroom 1 photo would display.\n\nThis is where the Unit D Bedroom 2 photo would display.\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit D Dining Room photo would display.\n\nThis is where the Unit D Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the Unit D Living Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nNumber of Parking Spaces\n4\n\n4\n\nDetail\nDetached\n800 Sq. Ft.\n\nConcrete\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 13 of 26\nPage 13 of 26\n\nVehicle Storage (continued)\n\nVehicle Storage Exhibits\n\nCarport - Driveway\n\nThis is where the photo of the Carport and Driveway would display.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Accessories\n\nOutdoor Living\n\nSubject Property Amenity\nFence\n\nIrrigation System\n\nBalcony\n\nBalcony\n\nPatio\n\nPatio\n\nMaterial\n\nDetail\n\nWood\n\nWood\n\nConcrete\n"}
diff --git a/chunks/json/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.json b/chunks/json/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.json
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index 0000000000000000000000000000000000000000..281344cd42df603d75d591c090f280a46ba5027e
--- /dev/null
+++ b/chunks/json/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21220,"char_start":19376,"chunk_id":"chk_458d5de4fa8f5cc5","chunk_index":11,"chunk_sha256":"aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978","token_estimate":461,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"Freddie Mac Form 465H April 2022\n\nPage 4 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nFile #\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\n\n2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the\ncondition of the improvements in factual, specific terms, relying on the subject property information from the property data\nreport. I reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach\nfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop\nthem, unless otherwise indicated in this report.\n\n5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for\nsale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject\nproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.\n"}
diff --git a/chunks/json/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.json b/chunks/json/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.json
new file mode 100644
index 0000000000000000000000000000000000000000..fc81c9d4ad4bd3e889b64bc6de84366c463d233c
--- /dev/null
+++ b/chunks/json/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47530,"char_start":47061,"chunk_id":"chk_42c3a1dff6336fa9","chunk_index":73,"chunk_sha256":"aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 229\n\nExamples .................................................................................................................................................................................................................................. 230\n"}
diff --git a/chunks/json/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.json b/chunks/json/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.json
new file mode 100644
index 0000000000000000000000000000000000000000..326101304cdb393082e556b13c161a1254a76034
--- /dev/null
+++ b/chunks/json/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":516466,"char_start":514863,"chunk_id":"chk_028f6af9f56240b5","chunk_index":304,"chunk_sha256":"aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Applicances\nRefrigerator\n\nUNIT\nDESCRIPTION\n\nApplicances\nRange/Oven\n\nUNIT\nDESCRIPTION\n\nApplicances\nDisp\n\nUNIT\nDESCRIPTION\n\nApplicances\nMicrowave\n\nUNIT\nDESCRIPTION\n\nApplicances\nDishwasher\n\nUNIT\nDESCRIPTION\n\nApplicances\nWasher/Dryer\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nKitchen Equipment\nExists Indicator\n\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\nIndicates if the kitchen equipment\nspecified in Kitchen Equipment Type is\npresent in the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Refrigerator']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='RangeOven']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Disposal']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Microwave']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='Dishwasher']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME\nNT[@_Type='WasherDryer']/@_ExistsIndicator\n"}
diff --git a/chunks/json/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.json b/chunks/json/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.json
new file mode 100644
index 0000000000000000000000000000000000000000..06d10103160524e226e5fc3029f3356722a2be01
--- /dev/null
+++ b/chunks/json/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1647,"char_start":0,"chunk_id":"chk_e349bf76578d17bd","chunk_index":0,"chunk_sha256":"aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 12.0 May Update\n\nMarch 19, 2025\n\nDuring the weekend of May 17, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which\nwill include the changes described below. The changes in this release will apply to DU V. 12.0 loan casefiles submitted or\nresubmitted to DU on or after the weekend of May 17, 2025, except for the Condo Project Manager™ changes.\n\nThe changes in this release include the following updates:\n▪ Condo Project Manager\n▪ Value Acceptance\n▪ Refinance of Fannie Mae Loans\n▪ Area Median Income Limit Message\n▪ Updates to Align with the Selling Guide\n\nCondo Project Manager\n\nDU will now provide condo project information from Fannie Mae's Condo Project Manager (CPM™) in the Property and Appraisal\nInformation section of the DU Underwriting Findings report. CPM is a free, web-based tool that enables lenders to quickly and\neasily determine if a condo project has a Fannie Mae status or delivery restriction. CPM must also be used to certify new and\nestablished condo projects under the lender-delegated Full Review process.\n\nNote: The CPM information will only be provided on new DU V. 12.0 loan casefiles created on or after June 23, 2025.\n\nProject Matching\n\nFor DU to determine the project in which the property is located, either a CPM ID or a complete property address along with the\nproject name must be provided. DU will provide the following messages based on the ability to match the property to a project in\nCPM.\n\n▪ When a project match occurs using the project name and property address, a message will be issued specifying the\n"}
diff --git a/chunks/json/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.json b/chunks/json/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.json
new file mode 100644
index 0000000000000000000000000000000000000000..2f9d1feca95dbf7a03bbb9b95283243961773b01
--- /dev/null
+++ b/chunks/json/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":245259,"char_start":243648,"chunk_id":"chk_e691016b497dbe43","chunk_index":127,"chunk_sha256":"aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 94. Loan Cost Table Category and Subcategory Data\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n7.1.1\n\nA. Origination\nCharges –\nBorrower-Paid ($)\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n1802.00\n\n▪ ” Provide a value\nof “0.00” if there\nare no charges\nfor this category\n\n▪ ROF as\n\n“$1,802.00\n\n7.1\n\nA. Origination\nCharges\n\nIntegratedDisclosur\neSectionType\n\nOriginationCharges ROF as “A.\nOrigination\nCharges”\n\nSecond Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n7.4.1\n\nB. Services\nBorrower Did Not\nShop For –\nBorrower Paid ($)\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n236.55\n\nAppendix E: UCD Implementation Guide\n\nPage 111 of 254\n\n▪ Provide a value\n\nof “0.00” if there\nare no charges\nfor this category\n\n▪ ROF as\n\n“$236.55”\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nID\n\nForm Field Name\n\n7.4\n\nB. Services\nBorrower Did Not\nShop For\n\nTable 94. Loan Cost Table Category and Subcategory Data\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nIntegratedDisclosur\neSectionType\n\nServicesBorrowerDi\ndNotShopFor\n\nROF as “B. Services\nBorrower Did Not\nShop For”\n\nThird Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n7.6.1\n\nC. Servicers\nBorrower Did Shop\nFor – Borrower\nPaid ($)\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n2655.50\n\n7.6\n\nC. Servicers\nBorrower Did Shop\nFor\n\nIntegratedDisclosur\neSectionType\n"}
diff --git a/chunks/json/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.json b/chunks/json/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..e15e83d816fc02412051078f80ca234698fab82e
--- /dev/null
+++ b/chunks/json/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10217,"char_start":8561,"chunk_id":"chk_c5a38a807cb9baf1","chunk_index":5,"chunk_sha256":"aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee","token_estimate":414,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\nPage 6 of 22\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nFront Door Elevation\nYear Built\nConverted Area\n\n1\nMid-rise\n8\n8-9 Ft.\n~1973\nNone\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nCore Heating System Below Grade\n\nYes No\n \n\nThe structure’s overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of\ndefects within the structure that required repairs at the time of inspection.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n1,092 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nCondominium Questionnaire\nProperty Data Report\n\nLevels in Unit\nFloor Number\nCorner Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\nNon-Residential Use in Unit\nLive/Work Space\n\n1\n2\nNo\nOwner\n2\n2\n0\nNo\nNo\n\nLevel and Room Detail\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,092 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.json b/chunks/json/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.json
new file mode 100644
index 0000000000000000000000000000000000000000..c8e6394d23a37dc0e38c71589ba50b26f2dc8516
--- /dev/null
+++ b/chunks/json/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":483340,"char_start":481497,"chunk_id":"chk_9282bb995cb31c76","chunk_index":286,"chunk_sha256":"ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0","token_estimate":461,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNote: If more than one Transfer Term applies, select the most applicable one.\n\n20.007 Personal\nProperty\nConveyed\n\n20.007 Personal\nProperty\nConveyed\n\nRequired if Sales\nContract Information\nAnalyzed is Yes\n\nDisplays when\nPersonal Property\nConveyed is Yes\n\nFinancial Sales Concessions\n\nYes | No\n\nIndicates whether personal property is included in the sales contract.\n\nIf Yes, provide further details in Sales Contract Analysis (20.011).\n\nN/A\n\nPersonal property is not included in the appraiser's final opinion of value\n\nThe Financial Sales Concessions subsection displays if the sales contract information was analyzed.\n\nReport Label\n\nWhen to Include\n\nReport\nField ID\n\n20.008\n\nFinancial Sales\nConcessions\n\n20.008 Known Sales\nConcessions\n\n20.009 Total Sales\n\nConcessions\n\n20.009 Total Sales\n\nConcessions\n\n20.010 Typical for\n\nMarket\n\nDisplays if Sales\nContract Information\nAnalyzed is Yes\n\nRequired if Sales\nContract Information\nAnalyzed is Yes\n\nRequired if Known\nSales Concessions is\nYes\n\nRequired if Sales\nConcessions Amount\nKnown is Yes\n\nRequired if Sales\nConcessions Amount\nKnown is Yes\n\nSales Contract: Financial Sales Concessions\n\nAllowable\nAnswers / Format\n\nN/A\n\nDefinition / Additional Guidance\n\nFinancial assistance paid by or on behalf of the seller as an inducement to\npurchase the subject property\n\nYes | No\n\nIndicates whether there is a concession in the sales contract.\n\nYes | No\n\nDollar amount\n\nSales Concession Amount Known: Indicates whether the total amount of sales\nconcessions is known.\n•\n\nIf No, “Unknown” displays next to Total Sales Concessions.\n\nTotal Sales Concessions: The total dollar amount of the value of all sales\nconcessions granted by an interested party, including monetary, furniture,\ncarpeting, decorator allowances, automobiles, vacations, securities, giveaways,\nor other sales incentives.\n"}
diff --git a/chunks/json/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.json b/chunks/json/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.json
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index 0000000000000000000000000000000000000000..4ffc651f8e420c587b6ff6f5878dd56fb3b2dee4
--- /dev/null
+++ b/chunks/json/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":220712,"char_start":219093,"chunk_id":"chk_8b4d62da9f123726","chunk_index":209,"chunk_sha256":"ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"− When false, display “No”\n− When true AND GovernmentAgencyAppraisalType = “VA”, display “Yes”\n− When true AND GovernmentAgencyAppraisalType = \"FHA\" OR \"USDA\", do not\n\ndisplay as additional information is needed.\n… AND AtticExistsIndicator = \"true\" AND\n(GovernmentAgencyAppraisalType = \"FHA\" OR \"USDA\")\n\n− When false, display “Inaccessible”\n− When true, do not display\n\n… AND AccessibleForObservationIndicator = “true”\n\n− When true, display “Visual Observation Completed”\n− When false, display \"No Visual Observation Completed\"\n\n… AND CostApproachIndicator = \"false\" AND\nGovernmentAgencyAppraisalIndicator = \"true\"\n\n… AND CostApproachIndicator = \"false\" AND\nGovernmentAgencyAppraisalIndicator = \"true\"\nThe data must be provided in 1 of 2 ways:\n\n− a single number followed by “years”, (e.g., 15 years) OR\n− two numbers indicating a range with the low and high numbers separated by\n\n“-“ and followed by “years” (e.g., 12-20 years).\n… AND (CostApproachIndicator = \"false\" AND\nGovernmentAgencyAppraisalIndicator = \"true\" AND\nEstimatedRemainingEconomicLifeYearsCount < 30) OR ((ImprovementType =\n\"Dwelling\" AND CostApproachIndicator = \"false\" AND\nGovernmentAgencyAppraisalIndicator = \"true\") AND Exists)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\n8.021\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nCommentary on Effective\nAge\n\n0300.0036\n\nEffectiveAgeDescription\n\nDisplay Rules\n\nDisplay when ImprovementType = \"Dwelling” AND…\n\n… AND CostApproachIndicator = \"false\" AND\nGovernmentAgencyAppraisalIndicator = \"true\"\n\nDwelling Exterior: General Information\n\nPage 158\n\nFigure 8 - 2\n\nQuality and Condition\n"}
diff --git a/chunks/json/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.json b/chunks/json/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.json
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index 0000000000000000000000000000000000000000..b98e29e370185cbe81b818cf0ad35c6f37383f80
--- /dev/null
+++ b/chunks/json/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9065,"char_start":7435,"chunk_id":"chk_f25d964f1f55229d","chunk_index":6,"chunk_sha256":"ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"With the UAD, the GSEs will require that appraisals be completed with standardized responses in certain\nappraisal form fields. The standardization of certain data points will support consistent appraisal reporting,\nregardless of geographic location of the property or any localized reporting conventions, by addressing\nvague or disparate data currently included on some appraisal reports. The UAD standardized response\nrequirements include:\n\n• Standardized formats for fields that include dates, currency, and other values\n• Allowable values from a list of choices provided for certain fields\n• Standardized abbreviations to allow more information to fit on the printed appraisal forms\n• Standardized ratings and definitions for the “Condition,” and “Quality,” of the property and\n\n“Updated/Remodeled” status\n\nThe UAD supports improved quality and accuracy of the appraisal data while preserving each GSE’s\nability to determine how the data relates to loan performance and loan quality. The GSEs will each\ncontinue to exercise independent business judgment in evaluating and maintaining business terms, credit\npolicies, and analytics.\n\nDifferences in the assessment and use of the appraisal data will remain due to unique and separate\nbusiness policies, mortgage products, and processes.\n\nPurpose and Overview\n\nThis document provides field-specific standardization requirements for completing the GSEs’ residential\nappraisal report forms listed in the table below (the appraisal forms). It lists the requirements for the data\nthat must be included in specific fields and how the data should be formatted. These requirements are in\n"}
diff --git a/chunks/json/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.json b/chunks/json/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.json
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index 0000000000000000000000000000000000000000..776f84b6fda1cb733169ba743d722218464261e4
--- /dev/null
+++ b/chunks/json/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39715,"char_start":39234,"chunk_id":"chk_1f0a8d4ea0e743c4","chunk_index":64,"chunk_sha256":"ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Supervisory Appraiser Certifications (H1) ........................................................................................................... 84\n\nSignature (H1) ..................................................................................................................................................... 84\n\nPart 4. Completion Report ................................................................................................................................. 85\n"}
diff --git a/chunks/json/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.json b/chunks/json/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.json
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index 0000000000000000000000000000000000000000..c5005aeff393f08167a1953ffdce8a56cfde663b
--- /dev/null
+++ b/chunks/json/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":244776,"char_start":242877,"chunk_id":"chk_78848d49811274c2","chunk_index":141,"chunk_sha256":"ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808","token_estimate":475,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"$42,154\n\nProprietary Lease Expires\n\n11/2060\n\nYes No\n \n\nSecond Lien\n\nMaximum: $1,000,000\nDrawn: $600,000\n\nNo\n\n120 Months\n\n$6,364\n\n5.000%\n\nFixed\n\nMaximum: $3,847\nDrawn: $2,308.20\n\nProject Factors and Impact to Value/Marketability\n\nProject Factor\nDeveloper/Sponsor in Control\n\nDetail\nNo\n\nImpact\n\nComment\n\nIncomplete Project\n\nLandscaping\n\nNeutral\n\nConverted in Past 3 Years\n\nApartment\n\nSingle Entity Ownership of Multiple\nShares\n\nGreatest Number of Shares Owned\n– 425\n\nCommercial Space\n\nKnown Legal Actions\n\nUnit Transfer Fees\n\n1%\n\nNone\n\n$3,000\n\nUnit Special Assessments\n\nNone\n\nUnit Tax Abatements or Exemptions\n\n$7,500 per year\nExpires 09/2021\n\nNeutral\n\nNeutral\n\nNeutral\n\nNeutral\n\nNeutral\n\nShareholders of the XYZ Apartments Project have agreed\nto participate in the Urban Tree Foundation’s campaign\nto plant 60 trees throughout the project’s common areas.\nAs of the effective date of the appraisal there were only\n12 of the 60 trees planted, making the common areas\nincomplete. There’s no measurable impact to value\nor marketability due to the incomplete project. The\ncompletion of the tree planting is anticipated to occur over\nthe next 30 days.\n\nAdd comment if needed.\n\nAdd comment if needed.\n\nThere is a small dry cleaner located on project\npremises.\n\nThere is a private transfer fee that is paid at settlement.\nThere is no impact to marketability, the transfer fee is a\ntypical fee paid in this market for cooperative transfers.\n\nShareholders of the XYZ Apartments project are currently\nparticipating in a energy efficiency incentive program\nfor property owners. The program is designed to help\nmake energy efficiency more affordable in the form of tax\nabatement incentives that will be paid over the next two\nyears. Moreover, the program helps reduce the reliance\non utility-generated electricity and encourages the\nuse of renewable energy sources. This has no impact to\nmarketability or value.\n"}
diff --git a/chunks/json/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.json b/chunks/json/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..be36074099339009009fe19c09b29db6c8261d0f
--- /dev/null
+++ b/chunks/json/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11197,"char_start":11013,"chunk_id":"chk_f5b23b9aff32042c","chunk_index":6,"chunk_sha256":"ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe","token_estimate":45,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md","below_target_min_tokens"]},"text":"[Watch Video](https://youtu.be/A-7GhWtLLBo)\n\n[See Infographic](/media/document/pdf/uad-infographic)\n\n![image](Uniform_Appraisal_Dataset___Fannie_Mae5_uad_promo_video_thumbnail.png)\n"}
diff --git a/chunks/json/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.json b/chunks/json/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.json
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index 0000000000000000000000000000000000000000..fb28564715f98adde3eb21736b0024a8daf94466
--- /dev/null
+++ b/chunks/json/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29427,"char_start":27815,"chunk_id":"chk_e86f03e19cfefe01","chunk_index":17,"chunk_sha256":"ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43","token_estimate":403,"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":"Site\n\nSite Owned in Common\n\nSite Size\n\nNo\n\nNo\n\n13,939 Sq. Ft.\n\n13,010 Sq. Ft.\n\nNeighborhood Name\n\nGrammy Gold\n\nSite Influence (Location)\n\nGated Community\n| Golf Course\n\nDucks on\nthe Pond\n\nGated\nCommunity |\nGolf Course\n\n$0\n\n$0\n\nNo\n\n12,950 Sq. Ft.\n\nTimberwolf\nHollow\n\nNo\n\n$0\n\n$0\n\n14,300 Sq. Ft.\n\nGrammy Gold\n\n$0\n\nPark | Residential\n\n$8,500\n\nGated\nCommunity |\nGolf Course\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nNoncontinuous\nFinished Area\n\nDisaster Mitigation\n\nGolf Course | Full\nResidential | Full\n\nGolf Course | Full\nResidential | Full\n\nPond | Full\nResidential | Full\n\n$0 Golf Course | Full\nResidential | Full\n\n2018\n\n2017\n\n$0\n\n2018\n\n2018\n\n360 Sq. Ft.\n\n0 Sq. Ft.\n\n$9,000\n\n0 Sq. Ft.\n\n$9,000\n\n360 Sq. Ft.\n\nImpact Resistant Glass |\nImpact Resistant Shingles\n\nImpact Resistant\nGlass | Impact\nResistant\nShingles\n\nForced Warm Air\n| Natural Gas\n\nImpact Resistant\nGlass\n\n$3,000\n\nForced Warm Air\n| Natural Gas\n\nImpact Resistant\nGlass | Impact\nResistant\nShingles\n\nForced Warm Air\n| Natural Gas\n\nHeating\n\nForced Warm Air | Natural Gas\n\nEnergy Efficient and Green Features\n\nBuilding Certification\n\nLEED Gold\n\nLEED Gold\n\nLEED Gold\n\nLEED Gold\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 24\nPage 15 of 24\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nUnit(s)\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n8675309 Jenny Ln\nAnytown, IL 54321\n"}
diff --git a/chunks/json/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.json b/chunks/json/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.json
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index 0000000000000000000000000000000000000000..8f2d1eec0954b1474d0909058c3c19323cfe8cc2
--- /dev/null
+++ b/chunks/json/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47251,"char_start":45573,"chunk_id":"chk_4539f9550ed532e3","chunk_index":26,"chunk_sha256":"ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"All who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser\nTrainee, Appraiser).\nReference the Appraiser Certifications (09.008-09.017).\n\n•\n\nSupervisory Appraiser\n\nThe person who performed supervision and signed the report.\nNote: Reference the Supervisory Appraiser Certifications (09.019-09.023, 09.033-09.036).\n\nAssignment Information: Contact Information – Appraiser and Supervisory Appraiser\n\nReport\nField ID\n\n08.013\n08.028\n\nReport Label\n\nWhen to Include\n\nName\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe full name of the appraiser or supervisory appraiser, as it appears on the\nAppraisal Subcommittee website.\nNote: At a minimum, first and last name must be provided.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 25 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Assignment Information\n\nAssignment Information: Contact Information – Appraiser and Supervisory Appraiser\n\nReport\nField ID\n\n08.014\n08.029\n\nReport Label\n\nWhen to Include\n\nDesignation\n\nIf applicable for the\nappraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nvalues from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe designation awarded by a recognized appraisal trade organization.\n•\nIFA\n• MAI\n•\nSRA\n•\nAAC\n•\nAFM\n•\nAM\n•\nARA\n•\nASA\n•\nARICS\n•\nIFAA\n•\nIFAC\n•\nIFAS\n•\nFRICS\n•\nGAA\n• MRICS\n•\nRPRA\n•\nRAA\n•\nSRPA\n•\nOther (Describe)\n\nNote: Do not enter appraiser license information in Designation. License\ninformation is reported in Credentials (08.020-08.023 or 08.035-08.038).\n"}
diff --git a/chunks/json/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.json b/chunks/json/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.json
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index 0000000000000000000000000000000000000000..3a6422ffee6692ce49ebc593a9cffec5288aac29
--- /dev/null
+++ b/chunks/json/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":205822,"char_start":203695,"chunk_id":"chk_80876d221310dcc9","chunk_index":115,"chunk_sha256":"ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e","token_estimate":532,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• on a mechanical dollar-for-dollar basis based on equipment and installation cost, or the discounted present value of\n\n•\n\nexpected cost savings of the equipment over the useful life of the equipment; or\nsolely based on the cost or income approach. The appraiser must also analyze the market reaction to the energy-efficient\nfeature.\n\nSolar panels that are leased from or owned by a third party under a power purchase agreement or other similar financing\narrangement must be considered personal property and not be included in the appraised value of the property. See SB2-3-04,\nSpecial Property Eligibility Considerations, for additional eligibility requirements for properties with solar panels.\n\nLayout and Floor Plans\n\nDwellings with unusual layouts and floor plans generally have limited market appeal. A review of the room list and floor plan for\nthe dwelling unit may indicate an unusual layout, such as bedrooms on a level with no bath, or a kitchen on a different level from\nthe dining room. This needs to be noted in the Functional Obsolescence section of the appraisal report. If the appraiser indicates\nthat such inadequacies will result in market resistance to the subject property, they must make market supported adjustments to\nreflect this in the overall analysis. However, if acceptance by the market can be demonstrated through the use of comparable\nsales with the same inadequacies, no adjustments are required.\n\nAbove- and Below-Grade Area(s)\n\nAppraisers must follow the American National Standard Institute ® (ANSI ®)’s Square Footage-Method for Calculating: ANSI Z765-\n2021 (\"ANSI standard\") when measuring, calculating, and reporting the above- and below-grade square footages. This includes\nfinished and unfinished area(s) of the subject for attached and detached single-family dwellings, including manufactured homes.\nThis is applicable to all hybrid appraisals and appraisals requiring interior and exterior inspections. If state law or a regulatory\nrequirement mandates adherence to a different measurement standard, the appraisal report must note the standard required\nand explain how it was applied.\n"}
diff --git a/chunks/json/ab751075cf17f8e6bc8379bee253c9bebf1fe4a30c57772bd65992d7b3990048.json b/chunks/json/ab751075cf17f8e6bc8379bee253c9bebf1fe4a30c57772bd65992d7b3990048.json
new file mode 100644
index 0000000000000000000000000000000000000000..b8b28c5f5c7b9d6e690fd73f39957b1901a506ad
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diff --git a/chunks/json/ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669.json b/chunks/json/ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669.json
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+{"chunk":{"char_end":13726,"char_start":12105,"chunk_id":"chk_5ee200749d0e6490","chunk_index":8,"chunk_sha256":"ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"40\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nPROJECT INFORMATION FOR PUDs (if applicable)\n\n42\n\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached\nProvide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.\nLegal name of project 46\nTotal number of phases 47\nTotal number of units rented 50\nWas the project created by the conversion of an existing building(s) into a PUD? Yes\nDoes the project contain any multi-dwelling units? Yes No Data source(s) 58\nAre the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61\n\nTotal number of units sold\nData source(s)\n53\n\n48\nTotal number of units\nTotal number of units for sale\n\nNo If Yes, date of conversion 55\n54\n\nAttached\n45\n\n52\n\n49\n\n51\n\n44\n\n60\n\n43\n\n56\n\n57\n\n59\n\nAre the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64\n\n62\n\n63\n\nDescribe common elements and recreational facilities 65\n\nFreddie Mac Form 70D July 2020\n\n226\n\nPage 3 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n\n2\n\nUniform Residential Appraisal Report (Desktop)\n\nFile # 3\n\n4 4a\n\nThis report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a\nunit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit\nin a condominium or cooperative project.\n"}
diff --git a/chunks/json/ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783.json b/chunks/json/ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783.json
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+{"chunk":{"char_end":1736,"char_start":0,"chunk_id":"chk_6729f0cb36f70399","chunk_index":0,"chunk_sha256":"ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_571ab65f2ec42be3","text_sha256":"ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Partner_Agency_Engagements___FHFA_ai3rdj.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/partner-agency-engagements\"\ndate_accessed: \"2026-01-27T17:54:20.282Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0.json b/chunks/json/ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0.json
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+{"chunk":{"char_end":1247027,"char_start":1245350,"chunk_id":"chk_03850929b46343f1","chunk_index":740,"chunk_sha256":"ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@_CostAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@NewImprovementTotalCostAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/DEPRECIATION/@_PhysicalAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/DEPRECIATION/@_FunctionalAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/DEPRECIATION/@_ExteriorAmount\n\n12\n\n12\n\n12\n\n12\n\n12\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/DEPRECIATION/@_TotalAmount\n\n12\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@NewImprovementDepreciatedCostAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@SiteOtherImprovementsAsIsAmount\n\n37\n\nCOST APPROACH\n\nIndicated Value By Cost\nApproach\n\nValue Indicated By\nCost Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Cost Approach method\nof property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@ValueIndicatedByCostApproachAmount\n\nINCOME\nAPPROACH\n\nEstimated Monthly Market Rent\n$\n\nEstimated Market\nMonthly Rent\n\nINCOME\nAPPROACH\n\nGross Rent Multiplier\n\nGross Rent\nMultiplier Factor\n\nThe estimated dollar value of the market\nmonthly rent for a living unit or\nSpecifies the Gross Rent Multiplier for\nthe subject property. (e.g. Actual Sales\nPrice divided by Actual Gross Monthly\nRent = Gross Rent Multiplier (GRM))\n"}
diff --git a/chunks/json/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.json b/chunks/json/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.json
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+++ b/chunks/json/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.json
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+{"chunk":{"char_end":13224,"char_start":11660,"chunk_id":"chk_3dbb4eda65f87cf8","chunk_index":7,"chunk_sha256":"ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"**Date:** 6/20/2024\n\n**Time:** 9:30 AM - 4:00 PM ET (check-in starts at 8:30 AM)\n\n**Location:** Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)\n\n[Recording, Transcript, and Related Materials](/news/videos/fhlbank-and-cdfi-symposium)\n\n## FHFA Spring Econ Summit\n\n**Date:** 6/13/2024\n\n**Time:** 12:00 PM - 5:00 PM ET\n\n**Location:** Virtual and In-Person at ​Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)​\n\n**Topic:** Homeownership Affordability in the Post-COVID World\n\n[Summit Agenda](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Agenda_0.pdf), [Speaker Profiles](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Speaker-Profiles.pdf)\n\n---\n\n## **February 2024**\n\n## **Save the Date: OCC to Host Public Hearing on Appraisal Bias**\n\nDate: 2/13/2024\n\nTime: 10:00 AM - 1:00 PM ET\n\nLocation: Office of the Comptroller of the Currency (OCC), ​Constitution Center, 400 7th Street, S.W, Washington, D.C.\n\nRepresentatives from the Appraisal Foundation, state appraiser licensing and regulatory agencies, and active appraisers will testify before the subcommittee. Additionally, the subcommittee will discuss oversight of the appraisal profession, diversity within the profession, the development and reporting of appraisals, and other challenges that impact appraisals.\n\n[News Release and More Information](https://occ.gov/news-issuances/news-releases/2024/nr-occ-2024-2.html)\n"}
diff --git a/chunks/json/ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1.json b/chunks/json/ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1.json
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+{"chunk":{"char_end":764,"char_start":0,"chunk_id":"chk_3a4638992aa57719","chunk_index":0,"chunk_sha256":"ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Fannie Mae\nDesktop Underwriter Specification\nImplementation Guide\n\nDocument Version 2.6.1\n\nVersion Date: August 8, 2025\n\n© 2025 Fannie Mae. Trademarks of the respective owners. MISMO\nMortgage Industry Standards Maintenance Organization.\n\n®\n\nis a registered trademark of the\n\nTable of Contents\n\nChapter 1: Introduction ................................................................................................................................. 4\n\nIntroduction ........................................................................................................................................... 4\n\nPurpose ................................................................................................................................................. 4\n"}
diff --git a/chunks/json/ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875.json b/chunks/json/ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875.json
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+{"chunk":{"char_end":16519,"char_start":14907,"chunk_id":"chk_290dbe050fa01db0","chunk_index":9,"chunk_sha256":"ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"The average percentage of the\nappraiser-selected comparable\nproperties that are in the same\ncensus tract as the subject\nproperty.\n\nAllowable\nValues\n\n'1' = 3 Comps\n'2' = 4 Comps\n'3' = 5 Comps\n'4' = 6 Comps\n'5' = 7+ Comps\n'9' = Missing\n0% - 100%\n\ncalculated_proximity\n\nAverage Calculated\nProximity of Comps to\nSubject Property\n\nreported_proximity\n\nAverage Reported\nProximity of Comps to\nSubject Property\n\nvalue_sale_comparison\n\nValue by Sales\nComparison Approach\n\nThe average distance in miles of\nthe appraiser-selected\ncomparables in relation to the\nsubject property, as calculated\nby geocoding software.\n\nThe average distance in miles of\nthe appraiser-selected\ncomparables in relation to the\nsubject property, as reported\nby the appraiser.\n\nAppraiser-specified value\nindication of the subject\nproperty, using the Sales\nComparison Approach only.\n\nNumeric\n\n0.00 – 10.00\n\nNumeric\n\n0.00 – 10.00\n\nNumeric\n\n$5,000 to\n$1,705,000\n\nDisclosure\nAvoidance\nMethod\nBinned at the low\nend and top-\ncoded at 7.\n\nAppraisal Form\nSection\n\nNotes\n\nDerived Field\n\nThis data field\nincludes all\ncomparable\nproperties regardless\nof whether we were\nable to geocode the\naddresses.\n\nRounded to the\nnearest 1%.\n\nDerived Field\n\nDerived Field\n\nDerived Field\n\nReconciliation\n\nTop coded at 10\nmiles and\nrounded to\nnearest 0.01\nmile.\n\nTop coded to 10\nmiles and\nrounded to\nnearest 0.01\nmile.\n\nTop coded to\n$1.7 million for\nhigh-cost areas\nand $720,000 for\nnon-high-cost\n\nFederal Housing Finance Agency\n\n12\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nvalue_cost\n\nValue by Cost Approach\n"}
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+{"chunk":{"char_end":4705,"char_start":3350,"chunk_id":"chk_8342c4beba4e23f5","chunk_index":2,"chunk_sha256":"ab967b8abe02f095af1e31cf7ab786bf66d22d9ad6aa3c33d0e1d3749dc20796","date_utc":"2026-01-27T17:50:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e8915d811106758a","text_sha256":"ab967b8abe02f095af1e31cf7ab786bf66d22d9ad6aa3c33d0e1d3749dc20796","token_estimate":391,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA.md"]},"text":"FHA Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_annual_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_annual_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_annual_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_annual_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_annual_v1_0_dta.zip) 10/28/2024 **Combined Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_combined_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_combined_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_combined_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_combined_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_combined_v1_0_dta.zip) 10/28/2024\n\n**C​​onta​ct**\n\nIf you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov).\n\n*Page last updated: February 4, 2025​​​​​​*\n\n- **Presentations**\n\n[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​\n\n**Other Data**\n\n[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​\n"}
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+{"chunk":{"char_end":10396,"char_start":8655,"chunk_id":"chk_e19c432acf392ea7","chunk_index":5,"chunk_sha256":"aba6cd0ef5b2392cd5d54e18354d8f4fed33dc5b6954fe0d74502697cb69a4f2","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"aba6cd0ef5b2392cd5d54e18354d8f4fed33dc5b6954fe0d74502697cb69a4f2","token_estimate":434,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"The Federal Housing Finance Agency (FHFA) is an independent agency that was established by the [Housing and Economic Recovery Act of 2008](/government#HERA) (HERA). The agency is responsible for the effective supervision, regulation, and oversight of the housing mission of the [Federal National Mortgage Association (Fannie Mae)](/supervision/fannie-mae-and-freddie-mac), the [Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The FHFA's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, \"the regulated entities\") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac.\n\n## Our Mission\n\nEnsure the regulated entities fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for the housing finance market throughout the economic cycle.\n\n## Our Vision\n\nFor FHFA’s supervisory, regulatory, and mission-related activities to support a reliable, stable, equitable, and liquid U.S. housing finance system.\n\n## Our Strategic Goals\n\n- Ensuring safe and sound regulated entities through world-class supervision;\n- Fostering competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets; and\n- Positioning the Agency as a model of operational excellence by strengthening its workforce and infrastructure.\n"}
diff --git a/chunks/json/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.json b/chunks/json/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.json
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+++ b/chunks/json/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.json
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+{"chunk":{"char_end":1751,"char_start":0,"chunk_id":"chk_e0ffd36437fb762f","chunk_index":0,"chunk_sha256":"aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2574b16e9471b65f","text_sha256":"aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Non_Performing__NPL__and_Re_Performing_Loan__RPL___4x1uo.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/non-performing-re-performing-loan-sales\"\ndate_accessed: \"2026-01-27T17:54:20.328Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.json b/chunks/json/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.json
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index 0000000000000000000000000000000000000000..05a8659c9250712f6c8d10f1b57b32f518fd363d
--- /dev/null
+++ b/chunks/json/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":782855,"char_start":781222,"chunk_id":"chk_147b61c1350d9d29","chunk_index":466,"chunk_sha256":"abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nSales Comparison Approach\n\nIn this example, Comparable #1 is also a cape cod-style house, with above grade nonstandard finished areas on\nthe second floor, and no nonstandard finished areas below grade.\n\nUnit(s) Subsection\n\nThis example shows how the finished and unfinished areas above and below grade would display in the Unit(s)\nsubsection.\n\nSummary Subsection\n\nIn the Summary subsection, Price Per Finished Area Above Grade for the comparable includes the nonstandard\nfinished area.\n\n• Sale Price ($330,000) / (Finished Area Above Grade (1,480) + Finished Area Above Grade (Nonstandard)\n\n(480)) = $168\n\nAppendix F-1: URAR Reference Guide\n\nPage 354 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nANSI Examples 2 and 3: Areas Without Direct Interior Access\n\nFor properties with more than one unit in a dwelling (Units in Structure 8.001 is more than 1), these examples provide guidance on the reporting of\nareas that do not have direct interior access from a unit. Below grade areas are attributed to the lowest level unit.\n\nGrade\nLevel\n\nAbove\nGrade\n\nBelow\nGrade\n\nFinish\n\nUnit Interior\n\nSales Grid\n\nGRM Comp Grid\n\nANSI Example\n\nFinished\n\nUnfinished\n\nFinished\n\nUnfinished\n\nDwelling(s)\nIncluded in Gross Building Finished Area 22.05.04\n\nIncluded in Gross Building Finished Area 24.003\n\nArea Breakdown\nUnfinished Above Grade 10.005\n\nUnit(s)\nUnfinished Area Above Grade 22.07.10\n\nLevel and Room Detail\nFinish (Unfinished) Area 10.031, 10.032\n\nDwelling(s)\nIncluded in Gross Building Finished Area 22.05.04\n\nIncluded in Gross Building Finished Area 24.003\n"}
diff --git a/chunks/json/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.json b/chunks/json/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.json
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index 0000000000000000000000000000000000000000..26801a4abd420e73aa0d7279d7c9f321a0073575
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+++ b/chunks/json/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":350223,"char_start":348570,"chunk_id":"chk_7967bd5c8ce7df7d","chunk_index":202,"chunk_sha256":"abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"New or Like New\n\nQ4\n\nVinyl\n\nPost and Pier\n\nC3\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nQ3\n\nCement Board\n\nCrawl Space\n\nC2\n\nNew or Like New\n\nNew or Like New\n\nQ3\n\nQ3\n\nQ4\n\nQ3\n\nEnergy Star appliances\nand wood cabinets\n\nEnergy Star appliances\nand wood cabinets\n\nBuilder Grade Quality\nAppliances and 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\nC2\n\nFully Updated\n\nFully Updated\n\nBuilder Grade Finishes\nand Fixtures\n\nC3\n\nNot Updated\n\nNot Updated\n\nEnergy Star appliances\nand wood cabinets\n\nMetal plumbing fixtures\n\nC2\n\nFully Updated\n\nFully Updated\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 12 of 20\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Anywhere St\nSomecity, TN 12345\n\n42 Forest Ln\nSomecity, TN 12345\n\n542 New East St\nSomecity, TN 12345\n\n7525 New South Hwy\nSomecity, TN 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nQ3\n\nC2\n\nQ3\n\nC2\n\nQ4\n\nC3\n\n$10,000\n\n$10,000\n\nQ3\n\nC2\n\nPatio | Porch\n\nPatio | Porch\n\nPatio\n\n$5,000\n\nPorch\n\n$2,500\n\nDriveway | 4 | Pavers\nGarage | 2 | Attached\n400 Sq. Ft.\n\nDriveway | 2 | Asphalt\nGarage | 2 | Attached\n400 Sq. Ft.\n"}
diff --git a/chunks/json/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.json b/chunks/json/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.json
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index 0000000000000000000000000000000000000000..0dc3ac5840f9342108005b92b7f5b7ef8e40b408
--- /dev/null
+++ b/chunks/json/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26096,"char_start":24419,"chunk_id":"chk_b6045d001898818a","chunk_index":8,"chunk_sha256":"abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"d. GSE-specific data supporting the submission of UCD data as a MISMO SMARTDoc®.\n\ne. GSE-specific attributes supporting the xlink function to tie organizations to individual contacts and the borrower\n\nand property seller to their signatures.\n\nf. Certain data points collecting unstructured text.\n\nUCD v2.0 Implementation Guide\n\n- 1 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nI. Introduction\n\n3. WHAT’S THE SAME\n\na. Data points supporting fields on the CD and needed by the GSEs\n\nb. GSE-specific data points not appearing on the CD that are needed to support GSE data requirements related to the\n\nclosing transaction and High-Cost and Qualified Mortgages.\n\nc. XML-required data points to identify and exchange the UCD file.\n\nC. UCD V2.0 IMPLEMENTATION GUIDE PURPOSE\n\nThe purpose of the UCD v2.0 Implementation Guide (I-Guide) is to be a reference manual to help users understand and\nimplement the XML file successfully. The focus of the content is not the CD form, but rather the GSEs’ closing transaction data\nrequirements as set forth in UCD v2.0.\n\nThe goal of the I-Guide is to enable the construction of a UCD XML file that fully complies with UCD v2.0. Therefore, the\ndocument provides a better understanding of the MISMO v3.3.0 dataset on which the XML file is based.\n\nThe I-Guide does not prescribe how to comply with TRID. The intent is solely to explain how to comply with UCD v2.0.\n\nUCD v2.0 Implementation Guide\n\n- 2 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nII. I-Guide Format\n\nII. I-GUIDE FORMAT\n\nThis section sets forth how the I-Guide is organized. Tables and figures used in each section are explained. Any text formatting\nthat occurs is identified and described.\n"}
diff --git a/chunks/json/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.json b/chunks/json/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.json
new file mode 100644
index 0000000000000000000000000000000000000000..64fc5a6c8f8a017e8421111ac934836abda99f4e
--- /dev/null
+++ b/chunks/json/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":544842,"char_start":543239,"chunk_id":"chk_fdb72f434b7239ed","chunk_index":321,"chunk_sha256":"abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nThis field is required if field 2-98\n(Subject Has Prior Sales Indicator = 'Y')\nis indicated.\n\nCR\n\nCR\n\nCR\n\n312\n\n2\n\n105\n\nPRIOR SALE\nHISTORY\n\nPrice of Prior Sale/Transfer\nSUBJECT\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR_SALES/@\nPropertySalesAmount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThis field is required if field 2-98\n(Subject Has Prior Sales Indicator = 'Y')\nis indicated.\n\nCR\n\nCR\n\nCR\n\n313\n\n2\n\n106\n\nPRIOR SALE\nHISTORY\n\nData Source(s)\nSUBJECT\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@\nDataSourceDescription\n\n30\n\nString\n\n314\n\n2\n\n107\n\nPRIOR SALE\nHISTORY\n\nEffective Date of Data Source(s)\nSUBJECT\n\nData Source\nEffective Date\n\nThe effective date of the source of\ninformation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/PRIOR_SALES/\n@DataSourceEffectiveDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field must indicate the data source used for the prior sale/transfer of the subject\nproperty.\n"}
diff --git a/chunks/json/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.json b/chunks/json/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.json
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index 0000000000000000000000000000000000000000..ba81e8b013b0c942ab57299ab92f8266f6846150
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+++ b/chunks/json/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":141049,"char_start":139394,"chunk_id":"chk_3eecb9c3cbca1e81","chunk_index":161,"chunk_sha256":"abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appraiser Fee and AMC Fee\n\nAppraiser Fee and AMC Fee, if provided, are each a type-value pair in the XML that is included in the corresponding instance of PARTY:\n\n• Appraiser Fee, if provided, is included in the instance with PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, as\n\ndescribed in the Appraiser and Supervisory Appraiser subsection in this chapter (2.017-2.131).\n\n• AMC Fee, if provided, is included in the instance with the AMC, as described in the [Role]/[Role] subsection in this chapter (2.032-\n\n2.046).\n\no PartyRoleType (UID: 2400.0300, FID: 2.010) = “ManagementCompany” if the AMC is not the client.\no PartyRoleType (UID: 2400.0017, FID: 2.011) = “ManagementCompany” if the AMC is the client.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 84\n\nAssignment Information: General Information\n\nReport\nField ID\n\nReport Label Unique ID MISMO Data Point Name\n\nDisplay Rules\n\n2.006\n\nAppraiser\nFee\n\n1000.0010\n\nFeeType\n\nDisplay when FeeType = “AppraisalFee” AND Exists\n\n1000.0011\n\nProvidedServiceActualCostAmount\n\nIf not provided, do not display report label.\n\n1000.0152\n\nFeeType\n\nDisplay when FeeType = “AppraisalManagementCompanyFee” AND Exists\n\n1000.0153\n\nProvidedServiceActualCostAmount\n\nIf not provided, do not display report label.\n\n2.007\n\nAMC Fee\n\n1000.0004\n\nFeeType\n\nDisplay when FeeType = “AppraisalManagementCompanyFee” AND PartyRoleType = “Client” AND\nExists.\n\n1000.0005\n\nProvidedServiceActualCostAmount\n\nIf not provided, do not display report label.\n\nExample of Appraiser Fee and AMC Fee\n\nFigure 2 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 85\n\nGovernment Agency Appraisals and Special Identification\n"}
diff --git a/chunks/json/abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7.json b/chunks/json/abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7.json
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index 0000000000000000000000000000000000000000..1eb4d8a8c9a1682e02dbfc88acf305b02a013bf8
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@@ -0,0 +1 @@
+{"chunk":{"char_end":15569,"char_start":14251,"chunk_id":"chk_5bb8ed1c7df670ec","chunk_index":9,"chunk_sha256":"abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"April 10, 2023\n\n## [FHLBank System at 100: Wrap-Up Public Listening Session Day 3](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3)\n\n![Preview image for the video \"FHLBank System at 100: Wrap-Up Public Listening Session Day 3\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nApril 10, 2023\n\n## [FHLBank System at 100: Wrap-Up Public Listening Session Day 2](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2)\n\n![Preview image for the video \"FHLBank System at 100: Wrap-Up Public Listening Session Day 2\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nApril 10, 2023\n\n## [FHLBank System at 100: Wrap-Up Public Listening Session Day 1](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1)\n\n![Preview image for the video \"FHLBank System at 100: Wrap-Up Public Listening Session Day 1\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nMarch 21, 2023\n\n## [FHLBank System at 100: Boston, MA Regional Roundtable](/news/videos/fhlbank-system-at-100-boston-ma-regional-roundtable)\n"}
diff --git a/chunks/json/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.json b/chunks/json/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.json
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index 0000000000000000000000000000000000000000..dd30ebff15d6e43203950eada1a68b1f0381ad91
--- /dev/null
+++ b/chunks/json/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":585093,"char_start":583482,"chunk_id":"chk_c7e36cbe1f7976ee","chunk_index":345,"chunk_sha256":"abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 111 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\nShould be populated if field 3-44 (Sale\nPrice Adjustment Type Other\nDescription) is populated.\n\nShould be populated if field 3-46 (Sale\nPrice Adjustment Type Other\nDescription) is populated.\n\nShould be populated if field 3-48 (Sale\nPrice Adjustment Type Other\nDescription) is populated.\n\n371\n\n372\n\n373\n\n374\n\n375\n\n376\n\n377\n\n378\n\n379\n\n380\n\n381\n\n382\n\n383\n\n384\n\n385\n\n386\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n44\n\n45\n\n46\n\n47\n\n48\n\n49\n\n50\n\n51a\n\n51b\n\n51c\n\n51d\n\n52\n\n53\n\n54\n\n55\n\n56\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nExtra Item Feature Name\n\nSale Price\nAdjustment Type\nOther Description\n\nA free form text field used to capture\nadditional information when Other is\nselected for Sale Price Adjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription\n"}
diff --git a/chunks/json/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.json b/chunks/json/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.json
new file mode 100644
index 0000000000000000000000000000000000000000..e5afe6357f049c3851a9da6cd9fde9010ab152c2
--- /dev/null
+++ b/chunks/json/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39210,"char_start":37606,"chunk_id":"chk_1303652cec2e4f48","chunk_index":23,"chunk_sha256":"abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Data Source:\nMLS 425021\n\nLease Start\nDate: 08/2019\n\nData Source:\nMLS 342332\n\nLease Start\nDate: 02/2020\n\nActual Rent: $925\n\nActual Rent: $800\n\nActual Rent: $1,000\n\nComparable #4\n1776 Whitecrest Rd\nUnit 1\nSurfside, HI 12345\n\nComparable #5\n1776 Whitecrest Rd\nUnit 2\nSurfside, HI 12345\n\nData Source:\nMLS 442332\n\nLease Start\nDate: 10/2019\n\nData Source:\nMLS 542332\n\nLease Start\nDate: 09/2019\n\nActual Rent: $1,300\n\nActual Rent: $1,200\n\nComparable Rental Analysis\n\nProximity to Subject\n\nNeighborhood Name\n\nSite Influence\n\nView from Unit\n\nSite Size\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nSubject\nUnit 1\n\nHawaiian\nVista\n\nBusy\nRoadway\n\n#1\n\n0.4 Miles N\n\nComparables\n#2\n0.4 Miles SE\n\nBay Hills\n\nHillview\n\n#3\n1 Miles W\n\nBayville\n\nSimilar\n\nSimilar\n\nSimilar\n\nSubject\nUnit 2\n\nHawaiian\nVista\n\nBusy\nRoadway\n\n#1\n\n0.4 Miles N\n\nBay Hills\n\nSimilar\n\nComparables\n#4\n0.5 Miles NE\n\nHillview\nGardens\n\nSimilar\n\n#5\n0.5 Miles NE\n\nHillview\nGardens\n\nSimilar\n\nResidential\n\nSimilar\n\nSimilar\n\nSuperior\n\nResidential\n\nSimilar\n\nSimilar\n\nSimilar\n\n11,997 Sq. Ft.\n\n43,560 Sq. Ft.\n\n8,250 Sq. Ft.\n\n15,000 Sq. Ft.\n\n11,997 Sq. Ft.\n\n43,560 Sq. Ft.\n\n12,000 Sq. Ft.\n\n12,000 Sq. Ft.\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n3\n\n2 | 0\n\nC4\n\n2\n\n1 | 0\n\nC4\n\n2\n\n1 | 0\n\nC3\n\n2\n\n1 | 0\n\nC4\n\n3\n\n2 | 0\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n820 Sq. Ft.\n\n1,056 Sq. Ft.\n\n864 Sq. Ft.\n\n864 Sq. Ft.\n\n900 Sq. Ft.\n\n1,260 Sq. Ft.\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\n—\n\nNo\n\nNo\n\n—\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nVehicle Storage | Spaces\n"}
diff --git a/chunks/json/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.json b/chunks/json/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.json
new file mode 100644
index 0000000000000000000000000000000000000000..07813efcf9936417cd9dbd51b281ab6db304eeb4
--- /dev/null
+++ b/chunks/json/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":614269,"char_start":612519,"chunk_id":"chk_88acfeb4d30ead1e","chunk_index":362,"chunk_sha256":"ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13","token_estimate":438,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\n410\n\n3\n\n73\n\nSALES\nCOMPARISON\nAPPROACH\n\nand Rec. Facilities\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='RecreationFacilities']/@_Description\n\n20\n\nString\n\nThis field should indicate the recreational facilities of the comparable project.\n\nT\n\nT\n\nT\n\n411\n\n412\n\n413\n\n3\n\n3\n\n3\n\n74\n\n75\n\n76\n\nSALES\nCOMPARISON\nAPPROACH\n\nand Rec. Facilities Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nFloor Location\n\nSALES\nCOMPARISON\nAPPROACH\n\nFloor Location Adjustment\n\nSale Price\nAdjustment\nAmount\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='RecreationFacilities']/@_Amount\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='FloorLocation']/@_Description\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='FloorLocation']/@_Amount\n"}
diff --git a/chunks/json/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.json b/chunks/json/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.json
new file mode 100644
index 0000000000000000000000000000000000000000..7e6240b314fe11d34989b8e1b33fcd61bfb8b95e
--- /dev/null
+++ b/chunks/json/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10479,"char_start":10004,"chunk_id":"chk_4290d53144fe9431","chunk_index":6,"chunk_sha256":"ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be","token_estimate":119,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf","below_target_min_tokens"]},"text":"January 23\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nOn Jan. 23, Fannie Mae implemented one new warning-to-fatal severity UCD Phase 3 edit:\n\nEdit 3669: When the Escrow indicator is equal to “true” at least one Escrow Item Type must be provided.\n\nSee the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please refer to the UCD Critical\nEdits Transition Resources page for additional resources.\n\n© 2023 Fannie Mae 12.14.23 Page 5 of 5\n"}
diff --git a/chunks/json/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.json b/chunks/json/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.json
new file mode 100644
index 0000000000000000000000000000000000000000..1907148cbe25a6f03c86fd987187c035d0fc18e1
--- /dev/null
+++ b/chunks/json/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24592,"char_start":23764,"chunk_id":"chk_8d5f1b5c56599a19","chunk_index":25,"chunk_sha256":"ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177","token_estimate":433,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"8.003\n\n8.004\n\n8.005\n\n8.006\n\n8.007\n\n8.008\n\n8.009\n\n8.010\n\n8.011\n\n8.012\n\n8.013\n\n8.014\n\n8.015\n8.016\n\n8.017\n8.018\n\n8.019\n\n8.022\n\n8.020\n\n8.021\n\n8.041\n\n8.041\n\n8.041\n\n8.041\n\n8.041\n\n8.025\n\n8.029\n\n8.033\n\n8.037\n\n8.042\n\n8.026\n\n8.030\n\n8.034\n\n8.038\n\n8.043\n\n8.027\n\n8.031\n\n8.035\n\n8.039\n\n8.044\n\n8.000.1\n\n8.023\n\n8.024\n\n8.028\n\n8.032\n\n8.036\n\n8.040\n\n8.045\n\n8.046\n\n8.052\n\n8.047\n\n8.048\n\n8.049\n\n8.051\n\n8.050\n\n8.053\n\n8.054\n\n8.055\n\n8.056\n\n8.057\n\n8.058\n\n8.059\n\n8.060\n\n8.061\n\n8.062.1 | 8.062.2\n8.000.1 | 8.000.2\n8.047.1 | 8.047.2\n8.056.1 | 8.056.2\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n"}
diff --git a/chunks/json/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.json b/chunks/json/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.json
new file mode 100644
index 0000000000000000000000000000000000000000..4d3c2e05f0794aa960f4b6b20fcdd353c1e52f26
--- /dev/null
+++ b/chunks/json/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23158,"char_start":21546,"chunk_id":"chk_1f55e02f71b1bb56","chunk_index":13,"chunk_sha256":"ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba","token_estimate":403,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Financial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\nTotal Sales Concessions\n\nTypical for Market\n\nSales Contract Analysis\n\nSales Contract Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nPrior Sale and Transfer History\n\nSubject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nPrior Sales or Transfers\n\nData Source\n\nTransfer Terms\n\nDate\n\nAmount\n\nData Source\n\nAnalysis of Prior Sale and Transfer History of Subject Property\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#\n\nTransfer Terms\n\nData Source\n\nAmount\n\nDate\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales\n\nPrior Sale and Transfer History Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nPG BRK\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nSale to List Price Ratio\n\nAttached/Detached\n"}
diff --git a/chunks/json/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.json b/chunks/json/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.json
new file mode 100644
index 0000000000000000000000000000000000000000..927ec69abfdf3ade914214a74b3c398b831cf307
--- /dev/null
+++ b/chunks/json/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":457899,"char_start":455993,"chunk_id":"chk_9561517c6c752d60","chunk_index":268,"chunk_sha256":"ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae","token_estimate":477,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nINFORMATION\n\nSubject Phase\n# of Owner Occupied Units\n\nOwner Occupied\nUnit Count\n\nThe number of units occupied by their\nowners.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='SubjectPhase']/@OwnerOccupiedUnitCount\n\n165\n\n1\n\n158\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Phases\n\nDevelopment Stage\nTotal Phases Count\n\nNumber of phases that exist in the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@_TotalPhasesCount\n\n166\n\n1\n\n159\n\nPROJECT\nINFORMATION\n\nIf Project Completed\n# of Units\n\nCompleted Units\nCount\n\nTotal number of completed living units.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Complete']/@CompletedUnitsCount\n\n20\n\n20\n\n20\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\nNumeric\n\nString\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric\n\nNumeric, to two decimal places: 1.25 parking spaces per unit\n\nWhole numbers only.\n\nWhole numbers only.\n\nWhole numbers only.\n\nWhole numbers only.\n\nWhole numbers only.\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160,\n1-161, 1-162, 1-163 (Development\nStage Type = 'Complete') or all of fields\n1-164, 1-165, 1-166, 1-167, 1-168, 1-\n169 (Development Stage Type =\n'Incomplete') should be populated. One\nand only one of these two sets of fields\nshould be populated, and the other set\nof fields should be left blank.\n"}
diff --git a/chunks/json/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.json b/chunks/json/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.json
new file mode 100644
index 0000000000000000000000000000000000000000..242f058b32b75143b0500e674a4c130d9a24e854
--- /dev/null
+++ b/chunks/json/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":172323,"char_start":170698,"chunk_id":"chk_50ad7ac8c7277ad7","chunk_index":180,"chunk_sha256":"ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\n• Contiguous - ParcelsContiguousIndicator (UID: 1500.0095, FID: 4.003) displays\n\no When false, display “No”\no When true, display “Yes”\n\n• Elements Dividing Parcels - ParcelSeparatorType (UID: 1500.0020, FID: 4.004) displays\no When there are multiple parcels, separate with “|” (e.g., Body of Water | Road)\n\n• Dimensions - SiteDimensionsDescription (UID: 1500.0160, FID: 4.001) display when GovernmentAgencyAppraisalIndicator (UID:\n\n1000.0028, FID: Not on report) = “true” and is provided\n\nFigure 4 - 1\n\nPage 115\n\nInformation for each parcel\n\nFor each parcel identified, additional data is required:\n\n• Assessor Parcel Number (APN) - ParcelIdentificationType (UID: 1500.0026, FID: 4.005)\n\no Display unless ProjectLegalStructureType = “Cooperative” or when an APN is not available for the parcel.\n\n• APN Description - ParcelDescriptionClassificationType (UID: 1500.0023, FID: 4.006)\n• Parcel Size - ParcelAreaMeasure (UID: 1500.0022, FID: 4.007)\n• Each parcel displays as a separate row in the table.\n\nExample: For a single-family property where the subject site is not owned in common. (Figure 4 - 2)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 4 - 2\n\nPage 116\n\nExample: For a condo where subject site is owned in common. (Figure 4 - 3)\n\nFigure 4 - 3\n\nZoning\n\n• Under Zoning, Compliance - SiteZoningComplianceType (UID: 1500.0125, FID: 4.008) always displays.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 117\n\nWhen Compliance - SiteZoningComplianceType = “Legal” display:\n\n• Classification Code - SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009)\n"}
diff --git a/chunks/json/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.json b/chunks/json/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.json
new file mode 100644
index 0000000000000000000000000000000000000000..3853bdbea807f1125cfba7666b62ba45cc8e19cd
--- /dev/null
+++ b/chunks/json/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1613,"char_start":0,"chunk_id":"chk_c9e0d98835dd3ea1","chunk_index":0,"chunk_sha256":"ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_018c415b2ba7f4a5","text_sha256":"ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb","token_estimate":403,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report with Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐3: Completion Report with Report Field IDs\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\n9/17/2024\n\nVersion\nNumber\n1.2\n\n12/12/2023\n\n1.1\n\n3/29/2023\n\n1.0\n\nIntroduction\n\nReport Section\n\nChange #\n\nRevision Description\n\nFooter\nFooter\nCertifications\nand Scope of\nWork\n\n2024‐028\n2023‐061\n\nUpdated date in Footer (HF.004) to September 2024.\nUpdated date in Footer (HF.004) to December 2023.\n\n2023‐003\n\nUpdated predefined text for all Supervisory Appraiser Certifications (09.021‐\n022, 09.033‐036).\n\nInitial publication\n\nThe purpose of this document is to show all possible Report Labels that may display on the Completion\nReport, regardless of conditionality. This is not intended to represent a realistic report as a Completion\nReport will never contain all of the available fields in one report. The red superimposed number is the\nReport Field ID.\n\nTerm\nReport Label\nReport Field ID (FID)\n\nDefinition\nThe name of the field as shown on the Completion Report.\nA red number identifying the specific location of the field on the Completion Report. Report Field ID (FID) is also\nreferenced in:\n\n\n\n\nAppendix A‐3: UAD Completion Report Delivery Specification\nAppendix B‐3: Completion Report Implementation Guide\nAppendix F‐3: Completion Report Reference Guide\n"}
diff --git a/chunks/json/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.json b/chunks/json/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.json
new file mode 100644
index 0000000000000000000000000000000000000000..2751327595804c69c082ee49eee3fc2dec4ac6c1
--- /dev/null
+++ b/chunks/json/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17767,"char_start":16041,"chunk_id":"chk_6ef008458eae6e30","chunk_index":11,"chunk_sha256":"ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nCounty – Text\n\nAssessor’s Parcel #\nThe appraiser should enter any available\nassessor’s parcel number(s) that would further\nidentify the subject parcel/property. The parcel\nnumber(s) should be in the same format used\nby the taxing agency, including all spaces and\ndashes as applicable. If no parcel number is\navailable, enter ‘None’.\n\nReporting Format:\nAssessor’s Parcel Number – Text\nThe appraiser should separate multiple parcel\nnumbers with a semicolon.\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nPage 8 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nTax Year, Real Estate Taxes $\n\n• 1004/70\n\nREQUIREMENT\n\nThe appraiser should enter the tax year. If the\ntax year spans two calendar years, the\nappraiser should enter the first year only.\n\nThe appraiser should report the amount of\ntaxes payable on the subject property,\nexpressed as an annual or annualized\namount. If real estate taxes are payable to\nmore than one entity, the appraiser should\nenter the annualized sum of all real estate\ntaxes (not including special assessments).\nAdditional information about tax year(s) or tax\namount(s) may be provided elsewhere in the\nappraisal report.\n"}
diff --git a/chunks/json/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.json b/chunks/json/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.json
new file mode 100644
index 0000000000000000000000000000000000000000..75b85bf482225e9700103a79a680716fbd6544dc
--- /dev/null
+++ b/chunks/json/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":145686,"char_start":144082,"chunk_id":"chk_6ab2f59812fc839f","chunk_index":66,"chunk_sha256":"ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"▪ ROF as\n\n“$162,000”\n▪ The same data\n\npoint is used for\n12.2 Loan amount\nbut appears only\nonce in the XML\nfile\n\n4. 1. 2 CAN THI S AMOUNT I NCR EASE AFTER CLOSI NG?\n\nThe next Loan Terms column indicates whether the loan amount can increase. Loan amount variability depends\non the loan’s amortization type, whether the terms allow negative amortization and other features.\n\na. NO--LOAN AMOUNT CANNOT I NCREASE\n\nIf the loan amount cannot increase, “NO” is provided for 4.1.2 and 4.1.3 remains blank.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n\n4.1.2 NO\n\n4.1.3\n\nAppendix E: UCD Implementation Guide\n\nPage 61 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nFigure 32. Loan Amount Cannot Increase\n\nTable 45. Loan Amount Cannot Increase\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.1.2\n\n4.1.2\n\nCan this amount\nincrease…?\n\n…/LOAN/LOAN_D\nETAIL\n\nLoanAmountIncr\neaseIndicator\n\nfalse\n\nRepresented as\n“NO” on form\n\nNegativeAmortiz\nationIndicator\n\nfalse\n\nb. YES--LOAN AMOUNT CAN OR WI LL I NCREASE\n\nIf Loan Amount can or will increase after closing, the NegativeAmortizationIndicator value is “true.” The bulleted\ntext in the rightmost column must provide increase potential, maximum amount and duration. Is the negative\namortization potential (i.e., for a variable payment loan) or scheduled (i.e., for a graduated payment (step\npayment) loan? Samples of both scenarios are shown in the figures and tables below.\n\n4.0 Loan Terms\n\nCan this amount increase after closing?\n\n4.1 Loan Amount\n\n4.1.1 $162,000\n"}
diff --git a/chunks/json/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.json b/chunks/json/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.json
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index 0000000000000000000000000000000000000000..7231402a9a7057254a6766a2eb42c7088d31069c
--- /dev/null
+++ b/chunks/json/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":52132,"char_start":50514,"chunk_id":"chk_93739058515c2418","chunk_index":23,"chunk_sha256":"ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"2024-02-17T09:30:47Z\n\n0.071 DataVersionIdentifier\n\nUCD2.0\n\nThis is the only accepted file version.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/PARTY_ROLE_IDE\nNTIFIERS/PARTY_ROLE_IDENTIFIER\n\n0.052\n\nPartyRoleIdentifier\n\n000123\n\n0.055\n\nIdentifierOwnerURI\n\nwww.freddiemac.com\n\nThe GSE-assigned vendor or proprietary system\nidentifier. Freddie Mac’s identifier is 6-digits and\nFannie Mae’s is 9 characters.\n\nThe values provided for this attribute do not refer\nto the location of the identifiers. The value is the\nwebsite addresses for the identifier owner.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL\n\n0.053\n\nPartyRoleType\n\nLoanDeliveryFilePreparer\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/PARTY_ROLE_IDE\nNTIFIERS/PARTY_ROLE_IDENTIFIER\n\n0.052\n\nPartyRoleIdentifier\n\nABCD1234E\n\nThe GSE-assigned vendor or proprietary system\nidentifier. Freddie Mac’s identifier is 6-digits and\nFannie Mae’s is 9 characters.\n\nUCD v2.0 Implementation Guide\n\n- 12 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nTable 4. UCD v2.0 Excerpt - XML File Identification Data Requirements.\n\nUCD UID MISMO v3.3 Data Point/Attribute UCD v2.0 Supported Enumeration\n\nImplementation Notes\n\n0.055\n\nIdentifierOwnerURI\n\nwww.fanniemae.com\n\nThe values provided for this attribute do not refer\nto the location of the identifiers. The value is the\nwebsite addresses for the identifier owner.\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL\n"}
diff --git a/chunks/json/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.json b/chunks/json/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.json
new file mode 100644
index 0000000000000000000000000000000000000000..7947aaebc5324e15c1e1d511e2d211626ac5b82b
--- /dev/null
+++ b/chunks/json/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":336039,"char_start":334361,"chunk_id":"chk_96455671e04a400c","chunk_index":196,"chunk_sha256":"ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/REPORT/@Appra\niserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifier\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\n\nThis is an identifier or number used\nby the appraiser to identify their\nreports. It is generally specific to the\nappraiser\nSecondary report identifier used by\nthe appraiser to identify appraisal\nreports. This field may carry the FHA\nnumber, case number, loan number or\nsome other identifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifierName\n\n50\n\n50\n\n50\n\n50\n\n50\n\n50\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor.\n\nString\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n"}
diff --git a/chunks/json/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.json b/chunks/json/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.json
new file mode 100644
index 0000000000000000000000000000000000000000..951e7490241600985145d341eca295151c3e3870
--- /dev/null
+++ b/chunks/json/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":155808,"char_start":154103,"chunk_id":"chk_a5faa6c3bdc283d2","chunk_index":170,"chunk_sha256":"ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Required when AppraiserLicenseType <> “None”\n\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\n\nWhen not provided, do not display report label.\n\nDisplay when provided.\n\nWhen not provided, do not display report label.\n\n2.044\n\nVA Appraiser ID\n\n2.045\n\nFHA Appraiser ID\n\n2400.0431\n\nAgencyAppraiserIdentifierType\n\nDisplay “FHA Appraiser ID” when GovernmentAgencyAppraisalType \"FHA\"\n\n2400.0430\n\nAgencyAppraiserIdentifier\n\nDisplay “VA Appraiser ID” when GovernmentAgencyAppraisalType \"VA\":\n\n2.046\n\nEmployment Type\n\n2400.0429\n\nAppraiserEmploymentType\n\nDisplay when (GovernmentAgencyAppraisalType (UID: 1000.0029 FID: 2.008) =\n\"VA\"\n\nAlways displays report label when GovernmentAgencyAppraisalType = “VA”\n\nSee Assignment – Arcrole Relationship section for an example, with an appraiser and a supervisory appraiser.\n\nSignificant Real Property Appraisal Assistance\n\nThe Significant Real Property Appraisal Assistance subsection displays when there are one or more contacts with PartyRoleType (UID:\n2400.0412, FID: Not on report) = “SignificantRealPropertyAppraisalAssistance”.\n\n•\n•\n\nIf there are multiple contacts who provided significant real property appraisal assistance, the subsection repeats for each one.\nIf there are no contacts who provided significant real property appraisal assistance, the subsection does not display.\n\nNotes:\n\n• To easily find data points in the UAD Specification, search for “Significant Real Property Appraisal Assistance” under the “Additional\n\nContext” column.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Significant Real Property Appraisal Assistance also drives the display of the following in the Certifications and Scope of Work\n"}
diff --git a/chunks/json/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.json b/chunks/json/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.json
new file mode 100644
index 0000000000000000000000000000000000000000..14dd4a4532025f0bdd19f08da4577181bd420334
--- /dev/null
+++ b/chunks/json/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10447,"char_start":8814,"chunk_id":"chk_46db24187f7a5397","chunk_index":5,"chunk_sha256":"ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"The Federal Housing Finance Agency is committed to the detection and prevention of mortgage fraud in the secondary mortgage market. To further this commitment, FHFA has promulgated a fraud ​rule that requires Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (regulated entities) to establish and maintain programs to detect and report fraud. The regulated entities are required to report suspicious activity, including fraud, to regulatory and law-enforcement authorities, including FHFA. FHFA also oversees the regulated entities’ managem​ent of risks associated with emerging cyber-enabled fraud schemes affecting the mortgage market and its participants.\n\nFHFA participates in working groups with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention and prosecution of fraudulent activity involving mortgages and other financial instruments.\n\nPotential homebuyers, homeowners, distressed homeowners, and individuals employed in the mortgage industry, in particular, should be aware of mortgage fraud schemes perpetrated in connection with home loan origination and throughout the life of a mortgage. Education is key to identify, detect, and prevent mortgage fraud. The information below can assist mortgage market participants in recognizing common mortgage fraud schemes. In addition, FHFA has issued [fraud prevention tips and resources](/node/696) for mortgage borrowers and renters, and for individuals working in the mortgage industry.\n\n## Mortgage Fraud Detection and Avoidance\n\nMortgage fraud takes two primary forms: Fraud for Profit and Fraud for Housing.\n"}
diff --git a/chunks/json/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.json b/chunks/json/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.json
new file mode 100644
index 0000000000000000000000000000000000000000..d4f095e8a504a26d6a70533c2a3561891c503215
--- /dev/null
+++ b/chunks/json/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":83511,"char_start":81853,"chunk_id":"chk_8f67abbdc0e07d12","chunk_index":48,"chunk_sha256":"ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nActual Age – Numeric to 3-digits, whole\nnumbers only\nEstimation of Actual Age – A tilde (~) must\nprecede the actual age\n\nExamples:\n18\n~150 (The PDF creator will insert the tilde.)\n\nPage 48 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nCondition\nThe appraiser must select the overall\ncondition rating for the subject property and\neach comparable property from the below list.\nThe overall condition rating for the subject\nproperty must match the overall condition\nrating that was reported in the Improvements\nsection so that it is consistent throughout the\nappraisal report. Only one selection is\npermitted. The condition rating for the subject\nproperty must describe the physical condition\nof the property as-of the effective date of the\nappraisal and the physical condition of each\ncomparable property as-of the date of sale for\nthe comparable properties on an absolute\nbasis, not on a relative basis or how the\nproperties relate to other properties in the\nneighborhood.\n\n• C1\n\n• C2\n\n• C3\n\n• C4\n\n• C5\n\n• C6\nThe definitions for these condition ratings are\nprovided in Exhibit 1: Requirements –\nCondition and Quality Ratings Usage.\n\nReporting Format:\nCondition Rating – Appraiser must select one\nvalue from the specified list\n"}
diff --git a/chunks/json/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.json b/chunks/json/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.json
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index 0000000000000000000000000000000000000000..cf4d9ac4da652a0327a9e0f29569036104f08d18
--- /dev/null
+++ b/chunks/json/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":123694,"char_start":122092,"chunk_id":"chk_014470ab6013aa07","chunk_index":119,"chunk_sha256":"ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"•\n\nIf applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text\n\n• For the Subject Property column, information that is never applicable is grayed out using 10%\n\nblack tint: “Data Source,” “Proximity to Subject,” “Sale Price,” “Sale Date,” “Gross Rent\nMultiplier,” “Comparable Weight”\n\n• Column heads: Column 1 – none, “Subject Property,” “Comparable #1,” “Comparable #2,”\n\n“Comparable #3” set as TCH\n\n•\n\n•\n\nIf there are more than 3 comparables, after all the information is recorded for Comps 1-3, the\nleftmost column and the “Subject Property” column repeat below, followed by “Comparable\n#” repeating as necessary.\n\n“Property Address” sets first column, first row as TB; Photo = 7 picas high; addresses and\nphotos of Subject and Comparables fill cells of the balance of the row\n\nGROSS RENT MULTIPLIER COMPARABLES TABLE\n\n• First column: “Data Source,” “Proximity to Subject,” “Units Excluding ADUs,” “Accessory\n\nDwelling Units,” “Gross Building Finished Area,” “Rent Control,” “[Additional Row],” “Sale\nPrice,” “Sale Date,” “Gross Monthly Rent,” “Gross Rent Multiplier,” “Comparable Weight” set\nas TB\n\nAppendix E: Report Style Guide\n\nPage 69 of 90\n\nVersion 1.4\n\nIndicated Value by Income Approach (H1)\n\nSpecial subsection sets x 45 picas.\n\n•\n\n“Total Monthly Market Rent x Gross Rent Multiplier = Indicated Value by Income Approach”\nset as TXR-B x 45 picas\n\n• Content sets as TB x 45 picas\n\nIncome Approach Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nIncome Approach Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Cost Approach” sets as TAB.\n"}
diff --git a/chunks/json/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.json b/chunks/json/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.json
new file mode 100644
index 0000000000000000000000000000000000000000..97bf702c309ec98126c2099241d584f292f7f500
--- /dev/null
+++ b/chunks/json/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33703,"char_start":32087,"chunk_id":"chk_cf21b5848637754f","chunk_index":22,"chunk_sha256":"ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"ASSET_IsAssociatedWi\nth_LIABILITY\nASSET_1\nLIABILITY_1\n\nTable 6. Relationships Container – Component Details\n\nThe figure below (Figure 6) shows a basic example of how the xlink arcrole relationship linking an asset\n(owned property) to a borrower’s liability would look in the RELATIONSHIPS container.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “ASSET_1”\n xlink:to = “LIABILTY_1”\n xlink:arcrole = “ASSET _IsAssociatedWith_ LIABILITY”\n\nFigure 6. Using Endpoints and an Arcrole To Define a Relationship\n\nRELAT IONSHIP BET WEEN A RELAT ED LOAN AND T HE ASSOCIAT ED CREDIT OR\n\nThe following example provides details about the xlink arcrole relationship needed to define a data\nrelationship between a related loan and the associated creditor (NotePayTo) for that related loan.\n\nThe figure below (Figure 7) shows examples of a related loan that will need to be linked to the associated\ncreditor (NotePayTo) for that related loan. Note that the example below uses a legal entity as the creditor\nbut the creditor can also be an individual.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 20 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nLOAN And ROLE Containers Identifying Endpoints Of\nRelationships\n\nLOANS\n LOAN LoanRoleType=”RelatedLoan”\n\nSequence Number = “2”\n\nxlink:label = “RELATED_LOAN_2”\n PAYMENT\n PAYMENT_RULE\n Initial Principal And Interest Payment Amount = 100\n TERMS_OF_LOAN\n Note Amount = 10000\n\nPARTIES\n PARTY\n\nLEGAL ENTITY\n\nLEGAL ENTITY DETAIL\n Full Name\n"}
diff --git a/chunks/json/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.json b/chunks/json/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.json
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index 0000000000000000000000000000000000000000..9b92dd149f3ac114820a91bb13fa0f60fdc99c1c
--- /dev/null
+++ b/chunks/json/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":600521,"char_start":598861,"chunk_id":"chk_531aad8b59fd4ae0","chunk_index":346,"chunk_sha256":"ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Additional Properties Analyzed Not Used\n\n#\n1\n\nProperty Address\n442 Jolly Ave\nAnytown, MD 09992\n\nSale Date\n01/19/2024\n\nStatus\nSettled Sale\n\nReason Not Used\nSale or Transfer Type\n\nComment\nPrivate sale\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 14 of 19\nPage 14 of 19\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Map of Sales Comparables 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\nPage 15 of 19\nPage 15 of 19\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 3 photo would display.\n\nThis is where the Comparable 4 photo would display.\n\nComparable #5\n\nThis is where the Comparable 5 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$350,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$350,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-60 days\n03/03/2024\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n"}
diff --git a/chunks/json/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.json b/chunks/json/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.json
new file mode 100644
index 0000000000000000000000000000000000000000..0e0e14b52d9d12d326aa8c89e8b819cb007609bc
--- /dev/null
+++ b/chunks/json/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7207,"char_start":5362,"chunk_id":"chk_233ee2e065f7aa71","chunk_index":3,"chunk_sha256":"ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb","token_estimate":462,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"Age in years of the borrower at time application\nsubmitted; 999=Age not provided, 998=Not Applicable\n(Borrower might be a legal entity like an LLC)\n\nAge in years of the borrower at time application\nsubmitted; 999=Age not provided, 998=No Co-\nBorrower\nNumeric code indicating whether property is owner\noccupied, second home or a rental investment\nproperty. 1=Principal Residence, 2=Second Home,\n3=Investment Property\nTotal number of units in the property\nInterest rate on the mortgage at acquisition\nMortgage balance at origination\nRatio of mortgage principal and interest and housing\nexpenses to total borrower income.\nRatio of all debt payments to total borrower income.\n\nCredit Scores are separated into a range: 1=<620,\n2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or\ngreater, 9 = Missing or Not Applicable\nCredit Scores are separated into a range: 1=<620,\n2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or\ngreater, 9 = Missing, Not Applicable or No-Co-\nBorrower\nPercent of mortgage balance at origination covered by\nloan level PMI\n\n40\n\nEmploymentBorrowerSelfEmployed\n\nSelf\n\nEmployment Borrower Self Employment Indicator Numeric code indicating whether the borrower is self-\n\n41\n\nPropertyType\n\nPropType\n\nProperty Type\n\n42\n\nIndexSourceType\n\nARMIndex\n\nIndex Source Type\n\n43 MarginRatePercent\n\nARMMarg\n\nMargin Rate Percent\n\n44\n\nPrepaymentPenaltyExpirationDate\n\nPrepayP\n\nPrepayment Penalty Expiration Date\n\n45\n\nBorrower1EthnicityType\n\nBoEth\n\nBorrower1 Ethnicity Type\n\n46\n\nBorrower1Race2Type\n\nRace2\n\nBorrower1 Race2 Type\n\nemployed. 0=No, 1=Yes\nPT01=Single family detached; PT02=Deminimus PUD;\nPT03=Single family attached; PT04=Two family;\nPT05=Townhouse; PT06=Low-rise condo; PT07=PUD;\nPT08=Duplex; PT09=Three family; PT10=Four family;\nPT11=Hi-res condo; PT12=Manufactured home not\nchattel; PT13=Manufactured home chattel; PT14=Five\nplus multifamily\n"}
diff --git a/chunks/json/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.json b/chunks/json/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.json
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index 0000000000000000000000000000000000000000..a0881cb1c31f7683b529318eab964a045e4b08ea
--- /dev/null
+++ b/chunks/json/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":146157,"char_start":144553,"chunk_id":"chk_4c5aa45fdc79ab13","chunk_index":133,"chunk_sha256":"ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• 8-point Myriad Pro Bold “Completion Version #,”one line space below to 50% black “Fannie\n\nMae | Freddie Mac,” “March 2023”.\n\n(FTR-R) Right side:\n\n• 8-point Myriad Pro bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em\nspace to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule\nabove. Baseline of last line sits on bottom margin of .5\".\n\nFTR\n\nAppendix E: Report Style Guide\n\nPage 85 of 90\n\nVersion 1.4\n\n“Subject Property” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Physical Address,” “County” set as TXR-B, TXR\n\nRight-hand side of page\n\n• Photo of Subject Property\n\nLegal Description (H1)\n\n• Either an image or text\n\n•\n\n•\n\nImage sizes to full page width (45 picas wide)\n\nIf text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas.\n\n“Original Appraisal” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Effective Date of Appraisal,” “Opinion of Market Value,” “Market Value Condition” set as\nTXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“Appraiser” sets as TXR-B, TXR\n\no “Reference ID” sets as TXR-I, TXR\n\n•\n\n“Original Lender” sets as TXR-B, TXR\n\nFull page width\n\n• “Final Value Condition Statement” set as TXC-B (bold lead in to Myriad Pro Regular text) X 45\n\npicas\n\n“Itemized List of Repairs” sets as TAB.\n\nItemized List of Repairs table\n\n• Column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\nIntegrity,” “Repair Completed,” “Inspection Date,” “Completion Comment” set as TCH in 7\ncolumn table x 45 picas.\n\n• 7 equal columns: 6.5 picas wide (~25 characters max per line in each cell).\n\n• Content sets as TB\n"}
diff --git a/chunks/json/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.json b/chunks/json/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.json
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index 0000000000000000000000000000000000000000..64869ac8abb4c808ae74f932521294a4082070f4
--- /dev/null
+++ b/chunks/json/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":111962,"char_start":110247,"chunk_id":"chk_5fc98cb40b04ce7d","chunk_index":65,"chunk_sha256":"aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 25 of 26\nPage 25 of 26\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"}
diff --git a/chunks/json/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.json b/chunks/json/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.json
new file mode 100644
index 0000000000000000000000000000000000000000..294b876bd68f8ce1538d74ac9ef8aa250cd73a1d
--- /dev/null
+++ b/chunks/json/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14828,"char_start":13207,"chunk_id":"chk_7b5916965e5d50dc","chunk_index":8,"chunk_sha256":"acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c","token_estimate":406,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Commentary on Effective Age\n\nQuality and Condition\n\nExterior Quality Rating\n\nTXR-B\n\nExterior Condition Rating\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nDetail\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nH2\n\nTCH\nTB\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nTB\n\nH1\n\nNoncontinuous Finished Area\n\nTXC-I\n\nThe table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit\n\nTCH\nTB\n\nFinish\nFinished\n\nTotal Area\n\nRoom Summary\n\nCheck #A\n\nH1\n\nTCH\nTB\nTB\n\nMechanical System Details\n\nSystem\n\nDetail\n\nHeating\n\nCooling\n\nCK1\n\nCore Heating System Below Grade\n\nTXR-B\n\nOther Mechanical Systems\n\nY/N\n\nYes No\n \n\nH1\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier])\n\nTXC-I\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nDwelling Exterior Commentary\n\nDwelling Exterior Exhibits\n\nTCH\nTB\n\nH1\nTXC\n\nH1\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nManufactured Home\n\nTXR-B\n\nTXR-B\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\n\nTXR-B\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n"}
diff --git a/chunks/json/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.json b/chunks/json/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.json
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index 0000000000000000000000000000000000000000..be539b717732dcb3dffffde4ffbb153ff0374fe5
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+++ b/chunks/json/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32257,"char_start":31058,"chunk_id":"chk_41ff401eb73a16c1","chunk_index":17,"chunk_sha256":"acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d","token_estimate":299,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"Signature __________________________________________\nName _____________________________________________\nCompany Name ____________________________________\nCompany Address ___________________________________\n _________________________________________________\nTelephone Number __________________________________\nEmail Address ______________________________________\nDate of Signature ___________________________________\nState Certification # __________________________________\nor State License # ___________________________________\nState _____________________________________________\nExpiration Date of Certification or License ________________\n\nSUPERVISORY APPRAISER\n\nSUBJECT PROPERTY\n\nDid not inspect subject property\n Did inspect exterior of subject property from street\nDate of Inspection ________________________________\n Did inspect interior and exterior of subject property\nDate of Inspection ________________________________\n\nCOMPARABLE SALES\n\nDid not inspect exterior of comparable sales from street\n Did inspect exterior of comparable sales from street\nDate of Inspection ________________________________\n\nFreddie Mac Form 465H April 2022\n\nPage 6 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n"}
diff --git a/chunks/json/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.json b/chunks/json/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.json
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index 0000000000000000000000000000000000000000..158477b25b327c25a789889f0104399f4fb30f2e
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+++ b/chunks/json/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.json
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+{"chunk":{"char_end":12148,"char_start":10391,"chunk_id":"chk_cc159ec976331d8d","chunk_index":6,"chunk_sha256":"acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fdad72ce23b7e187","text_sha256":"acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07","token_estimate":516,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Accessibility_at_FHFA___FHFA_eumj2.md"]},"text":"Elijah Sadr is the Acting Section 508 Coordinator. If you would like to file a Section 508-related complaint, please email [Section508@fhfa.gov](mailto:Section508@fhfa.gov) or call the Section 508 Hotline at 202-649-3813 (TTY # 711). *You may file an ABA complaint online through the US Access Board’s online*[*ABA complaint form*](https://access-board.my.site.com/s/)*. If you have questions or concerns, you can reach out to the Access Board at*[*enforce@access-board.gov*](mailto:enforce@access-board.gov)*(preferred) or call 202-272-0050 (voice) or 202-272-0066 (TTY).*\n\n## Exit Disclaimer\n\nFHFA provides links to other websites to assist in locating information. The fact that there is a link between this website and another does not constitute a product or program endorsement by FHFA or any of its employees. FHFA is not responsible for content or format of the websites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there.\n\n​*Last Updated: July 24, 2025*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}
diff --git a/chunks/json/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.json b/chunks/json/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.json
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index 0000000000000000000000000000000000000000..686122046ea00146c75d93aa8665709d05dc989b
--- /dev/null
+++ b/chunks/json/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.json
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+{"chunk":{"char_end":546891,"char_start":545282,"chunk_id":"chk_321c7844d9e6f6bb","chunk_index":315,"chunk_sha256":"acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Overall Update Status for\nFlooring\n\nFully Updated\n\nQuality Comment\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n\nStandard grade - meets\nmarket expectations for this\ntype of unit.\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nNo damage or condition\nissues noted.\n\nNo damage or condition\nissues noted.\n\nApparent Defects, Damages, Deficiencies (Unit Interior - ADU)\n\nNone\n\nUnit Interior Commentary\n\nThe ADU was built-out within the past 5 -10 years with standard builder grade materials that are typical for accessory units in this market. The\nunit has been well maintained with no apparent defects, damages or deficiencies.\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full\n\nLevel B1 - Bedroom\n\nThis is where the ADU Full Bathroom photo would display.\n\nThis is where the ADU Bedroom photo would display.\n\nLevel B1 - Kitchen\n\nThis is where the ADU Kitchen photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 11 of 22\nPage 11 of 22\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n4\n\n2\n\nDetail\nDetached\n400 Sq. Ft.\n\nAsphalt\n\nAttached\n528 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nCarport\n\nDriveway - Garage\n"}
diff --git a/chunks/json/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.json b/chunks/json/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.json
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index 0000000000000000000000000000000000000000..c850c84922f588455a92bea1b0a4bf0f0b6a201c
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+++ b/chunks/json/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.json
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+{"chunk":{"char_end":1059141,"char_start":1057403,"chunk_id":"chk_22d92f37a82a2657","chunk_index":630,"chunk_sha256":"acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Form FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 178 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\n108\n\n1\n\n102\n\nSITE\n\n103\n\nSITE\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nUtilities\nGas\nPublic\n\nUtilities\nGas\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nGas']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nGas']/@_NonPublicIndicator\n\nData Point\nField\nLength\n\n1\n\n1\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nIf no gas service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\n104\n\nSITE\n\nUtilities\nGas\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nGas']/@_NonPublicDescription\n\n25\n\nString\n\nIf no gas service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of gas service if present and not public.\nIf no gas service is present, enter 'None' in the description field.\n"}
diff --git a/chunks/json/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.json b/chunks/json/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.json
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index 0000000000000000000000000000000000000000..6c68c161022bb43e95d71f4ce4c8d2619538caea
--- /dev/null
+++ b/chunks/json/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":560022,"char_start":558389,"chunk_id":"chk_e2fdffc6b30dce01","chunk_index":323,"chunk_sha256":"accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Location of ADU\n\nQuality\n\nCondition\n\nDwelling\n\nDwelling\n\nDwelling\n\nADU/Garage\n\nQ4\n\nC4\n\nQ4\n\nC3\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nQ4\n\nC4\n\nQ4\n\nC3 $(45,000)\n\nQ4\n\nC4\n\nQ4\n\nC4\n\nDeck | Deck | Patio | Porch\n\nDeck | Patio\n| Porch\n\n$5,000\n\nDeck | Deck |\nPatio | Porch\n\nDeck | Patio\n\n$10,000\n\nWater Features\n\nInground Pool - Diving Board\n\n— $20,000\n\nInground Pool\n\n$0\n\nInground Pool -\nDiving Board\n\nVehicle Storage\n\nType | Spaces | Detail\n\nCarport | 2 | Detached\n400 Sq. Ft.\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n528 Sq. Ft.\n\n$10,000\n\n$10,000\n\n$10,000\n\nDriveway | 6 | Asphalt\nGarage | 2 | Attached\n\nDriveway | 6 | Asphalt\nGarage | 2 | Detached\n\nDriveway | 4 | Asphalt\nGarage | 2 | Detached\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\nUnfinished Area\n\nHeating\n\nUtilities\n\nOutbuilding Type\n\nFinished Area\n\nUtilities\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n$799,900\n\n$765,000\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n$839,999\n\n—\n\n$810,000\n\n$(56,240)\n\n$217\n\n$753,760\n\nLess\n\nStudio $(16,000)\n\n—\n\n400 Sq. Ft.\n\nYes\n\nElectricity\n\n—\n\n—\n\n—\n\nPool House\n\n$(5,000)\n\nPool House\n\n$(5,000)\n\n192 Sq. Ft.\n\nElectricity\n\n$839,900\n\n—\n\n$820,000\n\n$(45,180)\n\n$230\n\n$774,820\n\nMost\n\n216 Sq. Ft.\n\nElectricity\n\n$789,000\n\n—\n\n$770,000\n\n$7,020\n\n$198\n\n$777,020\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$775,000\n\nReconciliation of Sales Comparison Approach\n"}
diff --git a/chunks/json/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.json b/chunks/json/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.json
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index 0000000000000000000000000000000000000000..4f8af74f47e2eef918b7adb460e320b1bef37626
--- /dev/null
+++ b/chunks/json/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5013,"char_start":3377,"chunk_id":"chk_08a57ac2e4d30aec","chunk_index":2,"chunk_sha256":"acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Was a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCertified General\n294210393\nDC\n02/28/2020\n\nAssignment Reason\nBorrower Name\n\nSeller Name\n\nPurchase\nJohn Jones\nMary Jones\nHarry Smith\nBill Smith\n\nCurrent Owner of Public Record Harry Smith\n\nBill Smith\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nYour Bank\n258 Boat St\nNowhere, MD 21211\n\nAnnie Appraiser\nXYZ Appraisers\n238 Sand St, SW\nWashington, DC 20210\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n08/28/2019\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\nCounty\nNeighborhood Name\n\n700 1st Ave, NW\nUnit 1206\nWashington, DC 20001\nDistrict of Columbia\nThree Tree Hill\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nAttached\n1\n0\nNo\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\nLegal Description\n\nLot: 1206. Block: 00012\n\nSubject Property Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nMU-2\nResidential - Cooperative -\nVertical\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n"}
diff --git a/chunks/json/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.json b/chunks/json/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e8fca1c227becc11236cc9b994199350a399e93
--- /dev/null
+++ b/chunks/json/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":787698,"char_start":786062,"chunk_id":"chk_f7d1fd26dde2820c","chunk_index":469,"chunk_sha256":"acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix 3: ANSI Examples\n\nANSI Example 3: Below Grade Area with Interior Access from Common Area\n\nThese examples show a 2-unit property in one dwelling. There is below grade area with interior access from a common area, and no direct access\nfrom any unit. Both units are on the first level.\n\nExample 3A: Unfinished Below Grade Area\n\nExample 3B: Finished Below Grade Area\n\nAppendix F-1: URAR Reference Guide\n\nPage 359 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nUnit Interior\n\nUnit A includes the unfinished below grade area.\n\nExample 3A: Unfinished Below Grade Area\n\nExample 3B: Finished Below Grade Area\nThe finished area below grade area is not included in Unit Interior for either unit, as it is only reported\nin Gross Building Finished Area.\n\nUnit B does not include any unfinished below grade area.\n\nThe finished area below grade area is not included in Unit Interior for either unit, as it is only reported\nin Gross Building Finished Area.\n\nAppendix F-1: URAR Reference Guide\n\nPage 360 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 3: ANSI Examples\n\nSales Comparison Approach\n\nIn this example, Comparable # 1 is a model match, to demonstrate how the square footages and Summary calculations (Adjusted Price Per Unit,\nAdjusted Price Per Bedroom, and Price Per Gross Building Finished Area) would display in the sales grid.\n\nExample 3A: Unfinished Below Grade Area\n\nExample 3B: Finished Below Grade Area\n\nIn the Dwelling(s) subsection, Gross Building Finished Area includes the area of each unit (858\nsq. ft.), and the common stairwells including the area under the stairs (386 sq. ft.).\n"}
diff --git a/chunks/json/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.json b/chunks/json/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.json
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index 0000000000000000000000000000000000000000..316671930c52e8812284e54ba173db17c9bb52f6
--- /dev/null
+++ b/chunks/json/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":65864,"char_start":64643,"chunk_id":"chk_86a1fa15d0446e64","chunk_index":68,"chunk_sha256":"acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736","token_estimate":407,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"24.022 24.023 24.024\n\nIncome Approach Commentary\n\n24.025\nIncome Approach Exhibits\n\nComparable #\n\n24.008\n\nComparable #\n\n24.009.1 | 24.009.2\n\nComparable #\n\n24.026.1 | 24.026.2\n\n24.027.1 | 24.027.2\n\nAppraisal Version #\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nHF.002\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nUniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nCost Approach\n\nIndicated Value by Cost Approach\n\nDepreciated Cost of Dwellings\nDepreciated Cost of Outbuildings\nAs Is Value of Site Improvements\nOpinion of Site Value\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:19)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:20)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:22)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)\n\n(cid:23)\n\nDepreciated Cost - Dwelling - [Structure Identifier]\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:24)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:25)\n\nPhysical Depreciation\n\nFunctional Depreciation\n\nExternal Depreciation\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n"}
diff --git a/chunks/json/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.json b/chunks/json/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.json
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index 0000000000000000000000000000000000000000..e4a8fa8cbcbfd2839c376dd020f859d6c5ad07b2
--- /dev/null
+++ b/chunks/json/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":262623,"char_start":261020,"chunk_id":"chk_edeaa0830eab62dd","chunk_index":154,"chunk_sha256":"acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\n•\n\nNoncontinuous Finished Area\n\nNoncontinuous finished areas are defined as above grade finished area(s), not designated as an accessory dwelling unit\n(ADU), and attached to the dwelling with no direct interior access.\n\nExample: Family room or other finished area attached to or above an attached garage that is only accessible through the\ngarage.\n\nNote: If there are multiple noncontinuous areas in the dwelling, combine them into one entry.\n\nThis subsection does not display for properties with more than one unit, or if there is no noncontinuous finished area.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nDwelling Exterior: Noncontinuous Finished Area Exists\n\nRequired if Units\nExcluding ADUs is 1\n\nYes | No\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nNoncontinuous Finished Area Exists: Indicates whether there is noncontinuous\nfinished area in the dwelling.\nNotes:\n•\n\nIf No, the Noncontinuous Finished Area subsection does not display.\n\nAppendix F-1: URAR Reference Guide\n\nPage 109 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.046\n\nN/A\n\n8.047\n\nFinish (Finished)\nTotal Area\n\nDisplays when\nNoncontinuous\nFinished Area Exists is\nYes\n\nRequired if\nNoncontinuous\nFinished Area Exists is\nYes\n\nDwelling Exterior: Noncontinuous Finished Area\n\nAllowable\nAnswers / Format\n\nN/A\n\nDefinition / Additional Guidance\n\nThe table below depicts any finished area that is attached to the dwelling but\nseparate and not directly accessible from any unit\n"}
diff --git a/chunks/json/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.json b/chunks/json/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.json
new file mode 100644
index 0000000000000000000000000000000000000000..9b66ee5db6ea6ded03e9978d54f4b5b0ef9e4712
--- /dev/null
+++ b/chunks/json/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10356,"char_start":8637,"chunk_id":"chk_d163e58ed4a1532d","chunk_index":5,"chunk_sha256":"ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_970d25bb86fc355d","text_sha256":"ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Conservatorship___FHFA_uqjmm.md"]},"text":"- ### History Of Fannie Mae And Freddie Mac Conservatorships\n\nOn September 6, 2008, with the consent of both Fannie Mae's and Freddie Mac's (the Enterprises) boards of directors, the Director of FHFA exercised statutory authority to place each Enterprise into conservatorship. This established the two conservatorships in response to a substantial deterioration in the housing markets that severely damaged each Enterprise's financial condition and left both of them unable to fulfill their missions without government intervention.\n\n[Learn More](/history-fannie-mae-and-freddie-mac-conservatorships)\n\n- ### Senior Preferred Stock Purchase Agreements\n\nFannie Mae and Freddie Mac continue to operate under conservatorship, as they have since 2008. The U.S. Department of the Treasury (Treasury) provides Fannie Mae and Freddie Mac with financial support through the Senior Preferred Stock Purchase Agreements (SPSPAs), which were executed on September 7, 2008, one day after Fannie Mae and Freddie Mac entered conservatorships (“Original Agreements”) and thereafter amended. ​\n\n[Learn More](/conservatorship/senior-preferred-stock-purchase-agreements)\n\n- ### Building for the Future\n\nOur goal is to energize the rebuilding of the secondary mortgage market so that market participants may again compete with each other to ensure an efficient flow of credit for housing, confident in the knowledge of the risk involved and the rules in place. Making progress on essential infrastructure development, improving standardization, and generating meaningful discussion about rebuilding our housing finance infrastructure should help policymakers tackle critical questions about the government’s role in housing finance.\n"}
diff --git a/chunks/json/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.json b/chunks/json/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.json
new file mode 100644
index 0000000000000000000000000000000000000000..737883e24cc80fac4abbbff6e1a68ec1feb28dcf
--- /dev/null
+++ b/chunks/json/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":933659,"char_start":932052,"chunk_id":"chk_681307459500e4d5","chunk_index":555,"chunk_sha256":"acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEAgeEstimationIndicator\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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='Age']/@_Description\n\nSALES\nCOMPARISON\nAPPROACH\n\nActual Age 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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='Age']/@_Amount\n\n423\n\n3\n\n85\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEOverallConditionType\n\n424\n\n425\n\n426\n\n427\n\n428\n\n429\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n86\n\n87\n\n88\n\n89\n\n90\n\n91\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition Adjustment\n"}
diff --git a/chunks/json/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.json b/chunks/json/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.json
new file mode 100644
index 0000000000000000000000000000000000000000..5be43fa41d43fa8ecc5119c52440c69a4c7146a2
--- /dev/null
+++ b/chunks/json/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10365,"char_start":9005,"chunk_id":"chk_d36b8c88af22c675","chunk_index":5,"chunk_sha256":"ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ad59aee898368d7c","text_sha256":"ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Deemed_Issuance_Ratio___FHFA_982lik.md"]},"text":"On December 9, 2025, FHFA [an​nounced](/news/news-release/federal-housing-finance-agency-announces-deemed-issuance-ratio-for-2026) ​the deemed-issuance ratio for the 2026 calendar year.\n\nIRS [***Revenue Procedure 2018-54***](https://www.irs.gov/pub/irs-drop/rp-18-54.pdf) provides that the ratio may be rounded as long as the rounded ratio is further from 50/50 than the actual observed data. Therefore, the deemed-issuance ratio for the 2026 calendar year is 52 percent Freddie Mac and 48 percent Fannie Mae.\n\nFHFA announces this ratio annually at least three weeks prior to the affected calendar year and will update this table accordingly.\n\n**Year** Enterprise TBA-eligible securities issued during 24 months ending on October 31 of previous calendar year (billions) Deemed-Issuance Ratio (percent) 2026 ​Fannie Mae​ $633.081 48 2026 ​Freddie Mac​ $682.513 52 ​2025 ​Fannie Mae​ $626.616 51 ​2025 ​Freddie Mac​ $614.837 ​49 ​2024 ​Fannie Mae​ ​​$1,065.854 53 ​2024 ​Freddie Mac​ $957.202​ ​47 ​2023 ​Fannie Mae​ ​​$2,171.306 53 ​2023 ​Freddie Mac​ ​$1,939.425​ ​47 ​2022 ​Fannie Mae​ ​​$2,562.654 56​ ​2022 ​Freddie Mac​ ​$2,134.823​ ​44 ​2021 ​Fannie Mae ​$1,637.579 ​60 ​2021 ​Freddie Mac ​$1,232.936 ​40 ​2020 ​Fannie Mae ​$947.251 ​60 ​2020 ​Freddie Mac ​​$686.309 ​40 2019 Fannie Mae $940.344 60 2019 Freddie Mac $650.411 40\n\nSign up for email updates\n"}
diff --git a/chunks/json/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.json b/chunks/json/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.json
new file mode 100644
index 0000000000000000000000000000000000000000..ffced9435bf9542d5e981359f0cd92b4af2d00b6
--- /dev/null
+++ b/chunks/json/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":513677,"char_start":511818,"chunk_id":"chk_c4f7360e2bb40d8e","chunk_index":296,"chunk_sha256":"ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Intended User\n\nThe intended user of this report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\nis the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller\nare typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best\ninterest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of\nfinancial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special\nor creative financing or sales concessions* granted by anyone associated with the sale.\n\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are\nnormally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales\ntransactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost\nof the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on\nthe appraiser’s judgment.\n"}
diff --git a/chunks/json/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.json b/chunks/json/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.json
new file mode 100644
index 0000000000000000000000000000000000000000..041adc3d94c7bdf131ccfa7bd544ee633c7d83e6
--- /dev/null
+++ b/chunks/json/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1032280,"char_start":1030676,"chunk_id":"chk_9c7f0133d7f84a08","chunk_index":615,"chunk_sha256":"ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-49 is indicated, and e-4 has a value of\n'N', then this field is required.\n\ne-4\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items to\nbe paid.\n\nGSE Undefined\nConcession Amount\nIndicator\n\nIndicates whether there is a known sales\nor financing concessions with an\nunknown dollar amount.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_\nCONCESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SE\nCTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/S\nALES_CONCESSION/@GSEUndefinedConcessionAmountIndicator\n\n1\n\nBoolean\n\nThis field is required if field 1-49 is indicated.\n\nCR\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Contract Section\n\n51b\n\nCONTRACT\n\nIf Yes, report the total dollar\namount and describe the items to\nbe paid.\n\nSales Concession\nDescription\n\nA free-form text field used to describe\nsales concessions granted by an interested\nparty.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesC\noncessionDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point. Separate with a semicolon.\n\nThis field is required if field 1-49 is indicated.\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n52\n\nNEIGHBORHOOD\n\n53\n\nNEIGHBORHOOD\n\n54\n\nNEIGHBORHOOD\n\n55\n\nNEIGHBORHOOD\n\n56\n\nNEIGHBORHOOD\n\n57\n\nNEIGHBORHOOD\n\n58\n\nNEIGHBORHOOD\n\n59\n\nNEIGHBORHOOD\n\n60\n\nNEIGHBORHOOD\n\n61\n\nNEIGHBORHOOD\n\n62\n\nNEIGHBORHOOD\n"}
diff --git a/chunks/json/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.json b/chunks/json/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e72532628e0e7ceddc7a6cc38974ed94cb97a32
--- /dev/null
+++ b/chunks/json/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1881,"char_start":0,"chunk_id":"chk_914887c7f76ff9ab","chunk_index":0,"chunk_sha256":"ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0aaa3fda0909359c","text_sha256":"ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-july-20-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nJuly 2024 Update\n\nApril 17, 2024\n\nDuring the weekend of July 20, 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The changes are\ndescribed below and will apply to new loan casefiles created on or after July 20, 2024.\n\nReview this memo to ensure that your integrated system(s) will be prepared to support these updates.\n\nData Validation Updates\n\nThe following data validation updates will be implemented:\n\nData Point\nEmploymentStatusType\n\nValidation\nWhen missing, employment\ninformation (including income)\nwill be removed.\n\nEmploymentClassificationType When EmploymentStatusType is\n\nEmploymentStatusType\nEmploymentClassificationType\n\nFIPSStateNumericCode\nFIPSCountyCode\nCensusTractIdentifier\n\nPurchaseCreditType\nPurchaseCreditSourceType\n\nCurrent and\nEmploymentClassificationType is\nmissing, employment information\n(including income) will be\nremoved.\nWhen there is more than one\nEmploymentStatusType of\nCurrent with\nEmploymentClassificationType of\nPrimary, only the first occurrence\nof employment will be retained.\nAll other instances of a\ncurrent/primary employment\n(including income) will be\nremoved.\nWhen CensusTractIdentifier is\nprovided, but both\nFIPSStateNumericCode and\nFIPSCountyCode are not provided,\nthe FIPS code will not be\nconsidered valid.\nWhen PurchaseCreditType and\nPurchaseCreditSourceType both\nexist in same container, only the\nPurchaseCreditType will be used.\n\nMP_STATUS_LOG Warning Issued\nWARNING - EMPLOYMENT / STATUS_TYPE\n(EMPLOYER_1) - value is required for all employments\n(Employment and associated income ‘INCOME_1’ were\nremoved from the loan application data).\nWARNING - EMPLOYMENT / CLASSIFICATION_TYPE (\nEMPLOYER_1) - value is required for all Current\nemployments (Employment container and associated\nincomes ‘ INCOME_1’ were removed from the loan\napplication data).\n"}
diff --git a/chunks/json/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.json b/chunks/json/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..2633713ade43ec6ed1bf9f08de2fa532f5cba87b
--- /dev/null
+++ b/chunks/json/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":330562,"char_start":328956,"chunk_id":"chk_d6794685413309e8","chunk_index":189,"chunk_sha256":"ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3.031\n\ngse:QualifiedMortgageShortResetARM_APRPercent\n\nD. UCD.XSD\n\nThe ucd.xsd was added so that its contents—values for ucd:FeeItemType--could be both recognized and validated. With UCD\nv2.0, the ucd.xsd has 1 child container with only 2 data points—ucd:FEE_DETAIL_EXTENSION and ucd:FeeItemType and\nucd:FeeItemTypeOtherDescription. The ucd: namespace must also be included in the UCD XML file header xmlns:ucd=\nhttp://www.datamodelextension.org/Schema/ucd (see Table 4).\n\nSince the UCD specification was first published, the convention for UMDP dataset EXTENSIONS is to create schema definitions\nthat are specific and can be validated. These EXTENSIONS are built as follows:\n\n1. Following the container for which the new containers and/or data points are needed, add two containers—\nEXTENSION/OTHER-- to signal to the xml parser that these non-MISMO v3.3.0 data points are valid and acceptable.\nThis is the approach used for the gse: EXTENSION.\n\n2. To enable validation of location and syntax, follow OTHER with the name of the container that is being extended—\n\nucd:FEE_DETAIL_EXTENSION.\n\n3. Add child containers and data points to the extended container. All elements held by the extended container must\n\nbe preceded by the “ucd:” prefix, otherwise they will fail schema validation.\n\nThe finished XPath looks like:\n\n4. FEE_DETAIL / EXTENSION / OTHER / ucd:FEE_DETAIL_EXTENSION / ucd:FeeItemType.\n\nUCD v2.0 Implementation Guide\n\n- 153 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix C. UCD v2.0 EXTENSIONS\n\nTable 73. ucd: Namespace Data Points.\n\nUCD UID\n\nEXTENSION Data Point\n\nUCD Supported Enumeration\n"}
diff --git a/chunks/json/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.json b/chunks/json/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.json
new file mode 100644
index 0000000000000000000000000000000000000000..70d05d8156b563ba02183a7c0fdaef50a4142c4b
--- /dev/null
+++ b/chunks/json/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15213,"char_start":13397,"chunk_id":"chk_2ae624832d4c4592","chunk_index":7,"chunk_sha256":"ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"#### Request for Input\n\n[Improving Language Access in Mortgage Lending and Servicing Request for Input](/sites/default/files/2023-03/language_access_rfi.pdf)\n\n- [Note: Input period closed September 1]\n [View Input Submitted](/public-input)\n\n- [Select *Language Access* topic in the pull down.]\n #### Links:\n\n[News Release: Mortgage Translations Online Clearinghouse Now Includes Vietnamese, Korean, and Tagalog Languages](/news/news-release/mortgage-translations-online-clearinghouse-now-includes-vietnamese-korean-and-tagalog-languages) (*9/30/2020*)\n\n[News Release: FHFA Makes Translated COVID-19 Resources Available in Six Languages on LEP Site](/news/news-release/fhfa-makes-translated-covid-19-resources-available-in-six-languages-on-lep-site) *(6/16/2020)*\n\n[Joint Announcement: Mortgage Translations Clearinghouse Now Includes Chinese and Spanish Language](/sites/default/files/2023-04/urla_ulad_announcement.pdf) (*10/23/2019*)\n\n[Joint Announcement: Mortgage Translations Clearinghouse 現提供中文及西班牙文資料;加入中文資料有助於業界人士及借貸人順利完成抵押貸款及購房流程](/sites/default/files/2023-04/2019-Chinese-LEP-Release10-23-19_translated.pdf) (2019 年 10 月 23 日訊）\n\n[Joint Announcement: URLA February 1, 2020 Mandate Rescheduled; New Requirements Provided](/sites/default/files/2023-04/urla_ulad_announcement.pdf)*(8/8/2019)*\n\n[News Release: Mortgage Translations Clearinghouse Launched to Help Borrowers with English Language Barriers](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)*(10/15/2018)*\n\n[Comunicado de Prensa: Se lanza el Centro de Traducciones Hipotecarias como ayuda para los prestatarios con barreras en usar el inglés](/news/news-release/se-lanza-el-centro-de-traducciones-hipotecarias-como-ayuda-para-los-prestatarios-con-barreras-en) *(10/15/2018)*\n"}
diff --git a/chunks/json/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.json b/chunks/json/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.json
new file mode 100644
index 0000000000000000000000000000000000000000..d9471d251643faca4a9314975602a8f42e8ef1a7
--- /dev/null
+++ b/chunks/json/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11287,"char_start":9689,"chunk_id":"chk_b8fb9be133442001","chunk_index":6,"chunk_sha256":"ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.xml/SF4_Appraisal_v1.3.xml"]},"text":"Comp 1 ADU\n\n28160\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 1 ADU\n\n-45000\n\nOverallConditionRating\n\n5000\n\nOutdoorLivingAmenity\n\n20000\n\nWaterFeaturesAmenity\n\n10000\n\nVehicleStorage\n\n753760\n\nNorth\n\nLess\n\nfalse\n\n217\n\n1\n\n.9\n\n-56240\n\nfalse\n\nfalse\n\nDwelling\n\n1989\n\nfalse\n\nCarpet,Vinyl\n\nFlooring\n\nFullyUpdated\n\n8 Ft.Ceilings\n\nWallsAndCeiling\n\n614\n\n3228\n\n1000\n\nfalse\n\n5\n\n3\n\n1\n\nC3\n\nQ4\n\nMid-High Grade Finishes\n\nFullyUpdated\n\nComp 1 Primary\n\nMid Grade Quality\n\nKitchen\n\nFullyUpdated\n\n500\n\n0\n\ntrue\n\n1\n\n1\n\n0\n\nC3\n\nQ4\n\nComp 1 ADU\n\nColonial\n\nVinyl\n\nExteriorWallsAndTrim\n\ntrue\n\nComposition\n\nRoof\n\nC3\n\nQ4\n\n2\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF4_Comp1.png\n\nimage/png\n\n7\n\n839999\n\nSettledSale\n\n25.164174\n\n-51.328126\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\n1\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\ntrue\n\nLeasehold\n\nfalse\n\nfalse\n\n1250\n\nfalse\n\n2019-06-01\n\n2019-08-01\n\n810000\n\nSale\n\n2015-02-23\n\n677250\n\nSale\n\nTypicallyMotivated\n\nNone\n\nAsphalt\n\nLocal\n\nfalse\n\n19600\n\nFull\n\nResidential\n\n38243 Liberty Rd\n\nSomewhere\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n6\n\nfalse\n\nDetached\n\nGarage\n\n2\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n30000\n\nSiteSize\n\n-40000\n\nView\n\n0\n\nYearBuilt\n\n-20640\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp 2 Primary\n\n-14400\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 2 Primary\n\n2700\n\nLivingUnitUnfinishedAreaBelowGrade\n\nComp 2 Primary\n\n8160\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 2 ADU\n\n10000\n\nVehicleStorage\n\n0\n\nWaterFeaturesAmenity\n\n-16000\n\nOutbuilding\n\n-5000\n\nOutbuilding\n\n774820\n\nEast\n\nMost\n\nfalse\n\n230\n\n2\n\n0.56\n\n-45180\n\ntrue\n\ntrue\n\nHERS\n\n65\n\nHome Energy Score\n\n8\n\nSolar\n\nDwelling\n\n1984\n"}
diff --git a/chunks/json/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.json b/chunks/json/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.json
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+++ b/chunks/json/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.json
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+{"chunk":{"char_end":1753,"char_start":0,"chunk_id":"chk_895946e52de88985","chunk_index":0,"chunk_sha256":"ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3b7f88a3424740b5","text_sha256":"ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__f3nmdo.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/foreclosure-prevention-refinance-and-fpm\"\ndate_accessed: \"2026-01-27T17:48:05.329Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.json b/chunks/json/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.json
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+++ b/chunks/json/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.json
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+{"chunk":{"char_end":188105,"char_start":186107,"chunk_id":"chk_9c2b97cd33fff312","chunk_index":104,"chunk_sha256":"ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6","token_estimate":499,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"2000.00\n\n4156.00\n\nOther Costs\n\n8.0\n\n8.18 I. TOTAL OTHER COSTS\n\n8.18.1\n\n8.19 Other Costs Subtotals\n\n9.1 TOTAL CLOSING COSTS\n\n9.2 Closing Costs Subtotals\n\n8.19.2\n$1,200.00\n\n8.19.3\n$366.00\n\n9.1.1\n\n9.2.2\n$3,200.00\n\n9.2.3\n$4,522.00\n\n9.3 Lender Credits 9.3.1\n\n9.3.2 -$200.00\n\n1200.00\n\n366.00\n\n3200.00\n\n-200.00\n\n4522.00\n\nUCD v2.0 Implementation Guide\n\n- 80 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFor the ”Summaries of Transactions” or “Payoffs and Payments” tables INTEGRATED_DISCLOSURE_SECTION_SUMMARY\nonly holds the data points _SectionSummaryType and _SectionTotalAmount. The subsection headings are identified in\ninstances of LIABILITY (see Table 14) or CLOSING_ADJUSTMENT_ITEM_TYPE (see Table 23).\n\nFigure 61. Rendering Section Heading Data on the CD Summaries of\nTransactions or Payoffs and Payments Tables.\n\nCD Excerpt\n\nUCD v2.0 Spec Excerpt\n\nSummaries of Transactions\n\n(11.0 – 13.0)\n\nBORROWER’S TRANSACTION\n\n11.0 K. Due From Borrower At Closing\n\n12.0 L. Paid Already by or on Behalf of\n\nBorrower at Closing\n\nPayoffs and Payments\n\n25.1\n\n11.0.1\n$193,409.29\n\n12.0.1\n$175,790.00\n\n(25.0)\n\n25.1.1\n\nIntegratedDisclosureSectionSum\nmaryType\n\nIntegratedDisclosureSectionTotal\nAmount\n\nDueFromBorrowerAtClosing\n\n193409.29\n\nPaidAlreadyByOrOnBehalfOfBor\n\nrowerAtClosing\n\n175790.00\n\n25.2 TOTAL PAYOFFS AND PAYMENTS\n\n25.2.1\n\nPayoffsAndPayments\n\n250000.00\n\nFor UCD v2.0 purposes, to clearly specify so many instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY and, when\napplicable, INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENTS, the headings are grouped together according to their tables\non the CD, with all the instances of “_SECTION_SUMMARY” having the same UCD Unique IDs. This is an arbitrary choice for\ndocumentation purposes; they can be arranged in any order in the XML file, as long as they follow the MISMO standard. Note\nthat this MISMO standard rule means that the headings all appear consecutively and are not associated with the data points\nsupporting their sections.\n"}
diff --git a/chunks/json/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.json b/chunks/json/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.json
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index 0000000000000000000000000000000000000000..0cbf32d50a1a16f5f40fd347031dd9d0c017ff5c
--- /dev/null
+++ b/chunks/json/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":341766,"char_start":340061,"chunk_id":"chk_1ddd43905dec5f5a","chunk_index":187,"chunk_sha256":"ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"10. 1 – 10. 11 LI NE I TEM DEFI NI TION S FOR THE FI NAL AMOUNT\n\n10.10 Loan Amount - the principal amount of the credit being extended to the borrower(s).\n\n10.1\n\nTotal Closing Costs (J) - The amount from J. TOTAL CLOSING COSTS (Borrower-Paid) (9.1.1) on the\nClosing Disclosure reduced by the amount of the disclosed Lender Credits (9.3.2). This is represented in\nthe Alternative Calculating Cash to Close table as a negative number.\n\n10.2\n\nClosing Costs Paid Before Closing - the total closing costs the borrower(s) paid before consummation of\nthe transaction). Equal to the value from 9.2.3 of the Total Closing Costs (Borrower-Paid) table.\n\n10.11 Total Payoffs and Payments (K) - the total of all payments to third parties as part of the transaction not\notherwise disclosed in the Loan Costs or Other Costs tables. Equal to the total amount (25.2.1) from the\nPayoffs and Payments table.\n\n10.9\n\n10.3\n\nCash to Close - the sum totals of the amounts for the four line items in the Loan Estimate and the Final\ncolumns of the Alternative Cash to Close Table. Includes From / To Borrower check boxes for both the\nLoan Estimate and Final amounts.\n\nClosing Costs Financed - the amount of the closing costs to be paid from mortgage loan proceeds.\nIncluded in the Alternative Calculating Cash to Close table but is not part of the calculation, so excludes\ncomparison with Loan Estimate. Equal to the Loan Amount (10.10) less [Total Payoffs and Payments\nplus J. TOTAL CLOSING COSTS (Borrower-Paid) Before Closing], but is disclosed only to the extent that\nthe calculation results in a positive amount no greater, and only up, to the total amount of closing costs\ndisclosed in J. TOTAL CLOSING COSTS (Borrower-Paid).\n"}
diff --git a/chunks/json/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.json b/chunks/json/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.json
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index 0000000000000000000000000000000000000000..391821786da1ea4434cb3a1f703ce1cf85c7491f
--- /dev/null
+++ b/chunks/json/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15517,"char_start":13877,"chunk_id":"chk_d132e050ef16f7f9","chunk_index":8,"chunk_sha256":"ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54","token_estimate":484,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"- ## Suspended Counterparty Program\n\nFHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.\n\n[View Program](/regulation/suspended-counterparty-program)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.json b/chunks/json/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.json
new file mode 100644
index 0000000000000000000000000000000000000000..e85c2a275923ad95f5517a4f462a3c5877daab3a
--- /dev/null
+++ b/chunks/json/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":178608,"char_start":176692,"chunk_id":"chk_ec25feddcea88d2b","chunk_index":100,"chunk_sha256":"ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919","token_estimate":479,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\nThe appraiser must fully consider all of the market value-influencing characteristics and develop a description of the market area\neven if this requires more extensive research for particular property types or for properties in certain geographic locations.\n\nAn appraiser must perform a market analysis to identify the geographic area that is subject to the same influences as the property\nbeing appraised, based on the actions of typical buyers. The results enable the appraiser to identify factors influencing property\nvalue and define the market area from which to select the data needed to perform a sales comparison analysis.\n\nIn performing a market analysis, the appraiser must\n\n•\n•\n\ncollect pertinent data,\nresearch the market area to identify physical characteristics and determine boundaries, and\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 75 of 166\n\nUAD 3.6 Policy\n\n•\n\nidentify land uses and any signs that the land uses are changing.\n\nFannie Mae expects the appraiser and the lender’s underwriter to be aware of the varying conditions that characterize different\nmarket area types. Conditions typical in certain market areas may not be present in others. This does not mean the existence of\ncertain types of conditions or characteristics are unacceptable; rather, it is an indication they must be viewed in context with the\nnature of the market area in which the subject property is located. For example, some market areas consist of a variety of\nproperty types with different uses. It is common to find properties that have mixed-uses, such as residential properties that also\nhave child-care facilities, doctor or dental offices, and other types of business or commercial uses. The presence of mixed-use\nproperties or a variety of property types within a market area should be viewed as a characteristic that the appraiser considers\nwhen performing the analysis and describing boundaries.\n"}
diff --git a/chunks/json/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.json b/chunks/json/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.json
new file mode 100644
index 0000000000000000000000000000000000000000..98fcfe0cf7effcc39c967c2d0fa62a30549af64f
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+++ b/chunks/json/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":44725,"char_start":43054,"chunk_id":"chk_b4cad7d9ddc9cc6d","chunk_index":34,"chunk_sha256":"ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"05.012\n\n05.013\n\n05.014\n\n1\n\n2\n\n3\n\n05.015\n\n4\n\n05.016\n\n05.017\n\n5\n\n6\n\nI have no present or prospective interest in the property that is the subject of this report,\nor relationship with the present or prospective owners or occupants of the subject\nproperty, or other parties involved in this transaction.\nI performed this assignment without bias with respect to the parties involved in this\ntransaction, the property that is the subject of this report, or the demographics of the\narea where the property is located.\nI am aware of and have complied with all applicable laws and regulations including\nantidiscrimination laws, rules, and requirements that apply to the appraiser and to the\nassignment.\nI did not base any part of my appraisal on the actual or perceived race, color, religion, sex\n(including sexual orientation or gender identity), age (other than as applicable for legally\nage-restricted communities), marital status, disability, familial status, or national origin of\nthe present or prospective owners or occupants of either the subject property or\nproperties in the area of the subject property or on any other basis prohibited by the Fair\nHousing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\nI stated in this appraisal report my own personal, unbiased, and professional analyses,\nopinions, and conclusions, which are subject only to the assumptions and limiting\nconditions in this appraisal report.\nI have, at a minimum, developed and reported this appraisal update in accordance with\nthe scope of work requirements stated in this appraisal update report and concur with\nthe analysis and conclusions in the original appraisal.\n"}
diff --git a/chunks/json/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.json b/chunks/json/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.json
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index 0000000000000000000000000000000000000000..7a5c980e4196e2e62cc3ca4ccd0ecb426e292366
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+++ b/chunks/json/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":427477,"char_start":425802,"chunk_id":"chk_de9d248f282c72fb","chunk_index":241,"chunk_sha256":"ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"19.7 §1026.37(i)(5)(ii) p. 80119, 79970; 37(i)(5)-3 p. 80346.\n\n19.8 §1026.37(i)(5)(iii) p. 80119, 79970; 37(i)(5)-4 p. 80346.\n\n19. 1 | 19. 5 – 19. 8 I NTEREST ONLY LOAN\n\nIf one or more regular periodic payments may be applied only to interest accrued and not to the loan principal,\nthe loan has “Interest Only Payments”. For example: 30-year Fixed | 1-year Interest Only Period | P&I = $1,500\nafter Interest Only Period ends. For the AP Table, “YES” is provided in answer to the question Interest Only\nPayments? in row 19.1, along with the number of payments that may be interest only. The bottom half of the\nAP Table provides the additional information that there are no subsequent changes to the P&I payment once\nthe Interest Only period ends.\n\nAdjustable Payment (AP) Table\n\n19.0 if yes:\n\nInterest Only Payments? 19.1 YES\n\n19.1.1 For your first 12 payments\n\n19.5 Pe riod Principal and Interest Payments\n\nFirst Change / Amount 19.6 $1,500 at 13th payment\n\nSubsequent Changes\n\n19.7 No subse quent changes\n\nMaximum Payment\n\n19.8 $1,500 starting at 13th payment\n\nFigure 118. Fixed Rate Loan Interest Only Loan\n\n1. LOAN TERMS TABLE I NTEREST ONLY LOAN E NTRI ES\n\nAs shown in the figure below, Row 4.3 of the Loan Terms table provides information about the interest only\nfeature that is presented again in the AP Table.\n\nLoan Terms\n\n4.0 Initial P&I\n\nIncrease?\n\nDescription\n\n4.3 Monthly Principal & Interest\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n\n4.3.1 $761.78\n\n4.3.2 YES\n\n4.3.3\n1) Adjusts once starting in year 1\n2) Goes as high as $1,500 in year 2\n3) Includes only interest and no principal until year 2\n4) See AP Table on page 4 for details\n"}
diff --git a/chunks/json/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.json b/chunks/json/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.json
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index 0000000000000000000000000000000000000000..a0a63049a5f1dbf191f17636fc7512e6a8317215
--- /dev/null
+++ b/chunks/json/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12432,"char_start":10410,"chunk_id":"chk_d19ae82efec53691","chunk_index":6,"chunk_sha256":"ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"The Duty to Serve regulation identifies members of a Federally recognized Indian tr​ibe living in Indian areas as a high-needs rural population that Fannie Mae and Freddie Mac may serve in rural areas. Below is a link to the specific geographies which meet the Indian Areas definition.\n\n## High Opportunity Areas\n\nFHFA's Duty to Serve regulation defines residential economic diversity to include Enterprise activities that support financing of mortgages in high opportunity areas. High opportunity areas for purposes of Duty to Serve, include areas designated by Housing and Urban Development (HUD) as a \"Difficult Development Area\" (DDA), as well as areas designated by a state local Qualified Allocation Plan as a high opportunity area, whose poverty rate is lower than the rate established by FHFA. Below is a link to the specific geographies which meet the High Opportunity Areas definition.\n\n## Areas of Concentrated Poverty\n\nFHFA’s Duty to Serve regulation defines residential economic diversity to include activities that support financing of mortgages in areas of concentrated poverty. Areas of concentrated poverty for purposes of Duty to Serve, include a census tract designated by HUD as a Qualified Census Tract, or as a Racially or Ethnically-Concentrated Area of Poverty, during any year covered by an Underserved Markets Plan or in the year prior to a Plan’s effective date. Below is a link to the specific geographies which meet the Area of Concentrated Poverty definition.\n\n## Small Financial Institutions\n\nThe Duty to Serve regulation defines “small financial institution” as a financial institution with less than $304 million in assets. [Below](#SmallFinancialInstitution) is a link to the list of small financial institutions that meet this definition. The list consists primarily of depository institutions, credit unions and Community Development Financial Institutions. The list does not include non-depository mortgage banks. The list also includes several Agricultural Credit Associations (ACAs).\n"}
diff --git a/chunks/json/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.json b/chunks/json/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.json
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index 0000000000000000000000000000000000000000..b45e4b7994f5d6960d0cac208b1ccf566ac7a149
--- /dev/null
+++ b/chunks/json/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25852,"char_start":25370,"chunk_id":"chk_7e8f5f3d2b506db8","chunk_index":40,"chunk_sha256":"adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369","token_estimate":418,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Highest and Best Use Exhibits (H1) ..................................................................................................................... 54\n\nMarket .......................................................................................................................................................... 54\n\nSearch Result Metrics (H1) ................................................................................................................................. 54\n"}
diff --git a/chunks/json/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.json b/chunks/json/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.json
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index 0000000000000000000000000000000000000000..30b023dc40027f283119a1394d120b9e15894c02
--- /dev/null
+++ b/chunks/json/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":440373,"char_start":438760,"chunk_id":"chk_14e6018220dc2a9b","chunk_index":254,"chunk_sha256":"adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Level 1 - Bath - Half\n\nLevel 1 - Kitchen\n\nThis is where the Half Bathroom photo would display.\n\nThis is where the Kitchen photo would display.\n\nLevel 1 - Living Room\n\nLevel 2 - Bath - Full - Bath 2\n\nThis is where the Living Room photo would display.\n\nThis is where the Bath 2 photo would display.\n\nLevel 2 - Bath - Full - Bath 3\n\nLevel 3 - Bath - Full - Bath 4\n\nThis is where the Bath 3 photo would display.\n\nThis is where the Bath 4 photo would display.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 9 of 22\n\nUnit Interior (continued)\n\nLevel 3 - Bedroom - Top Floor Bedroom\n\nThis is where the Bedroom photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nGarage\n\nNumber of Parking Spaces\n2\n\nDetail\nBuilt-in\n648 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nMaterial\nComposite\n\nComposite\n\nWhole Home\n\nElevator\n\nIndoor Fireplace\n\nDetail\n168 Sq. Ft.\n\n408 Sq. Ft.\n\nTotal Number - 1\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Exhibits\n\nDeck - Upstairs Deck\n\nDeck - Downstairs Deck\n\nThis is where the Upstairs Deck photo would display.\n\nThis is where the Downstairs Deck photo would display.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n"}
diff --git a/chunks/json/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.json b/chunks/json/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.json
new file mode 100644
index 0000000000000000000000000000000000000000..6a26d1c3eb8e848ad12f3c2999ca13e368be4a27
--- /dev/null
+++ b/chunks/json/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":157731,"char_start":156123,"chunk_id":"chk_7cf579de1d385c88","chunk_index":89,"chunk_sha256":"adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 70 of 76\n\nSection X. Index\n\nX. Index\nThe index includes key words referenced in this document. Page numbers in bold type refer to\nthe entry in the Glossary for the associated term. If a term appears more than once on a page, the\npage number is only listed once.\n\nAppendix A\n\nGSE-specific, 16, 35, 65\nShared (ULDDS), 8, 9, 10, 13, 19, 27, 32, 38, 41,\n\n48, 55, 56, 64, 71, 75\nCalculated Results Field, 15\nCALCULATED RESULTS FIELD, 15\nCardinality, 36, 64, 65, 68\nClass Word, 14, 15, 16, 19, 68\nConditionality, 8, 36, 65, 66, 68\n\nGSE-specific, 9, 65\nShared, 64\n\nContainer, 9, 31, 68\nADJUSTMENT, 48\nAttributes, 27, 41\nCardinality, 36\nChoice Group, 39, 40\nContext, 26\nDefinitions, 25, 34\nDeprecated, 13, 77\nEXTENSION, 31, 77\nLOANSTATE, 41\nMISMO LDD and, 13\nNames, 25\nParent, 23, 24, 26, 29, 31, 32, 36, 37, 39, 69, 75\nPARTY, 55, 58\nRelationships, 67\nReusable, 24, 38, 69\nReusable Data Points and, 23, 24\nROLE, 55\nRoot, 31, 38\nULDDS, 32\nXPath and, 38\n\nData Point, 6, 7, 8, 9, 13, 14, 68, 69, 72, 76\n\nApp Info, 18\nAttributes, 27\nCALCULATED RESULTS FIELD, 15\nConditionality, 36\nContainers and, 31\nContext, 23\nDefinitions, 14\nDeprecated, 13\nEnumerated, 16\nFORM SPECIFIC FIELD, 15\nIdentifierOwnerURI, 15\nLoanStateDate, 41\nLoanStateType, 41, 42\n\nMISMO LDD and, 13\nNaming Convention, 14\nOther/OtherDescription, 16, 17, 18\nPartyRoleType, 39\nReplacing Codes, 9\nReusable, 24, 38, 69\nTest Case Scenarios, 66\nType, 19\nType Linkages, 20, 21\nWorksheet, 13\nXpath and, 38\n"}
diff --git a/chunks/json/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.json b/chunks/json/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.json
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index 0000000000000000000000000000000000000000..bad68b76e6d39a42c770b4a37dbc428de2d404fd
--- /dev/null
+++ b/chunks/json/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":527935,"char_start":526303,"chunk_id":"chk_102f1d70c8b09850","chunk_index":313,"chunk_sha256":"add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Primary\nAccess\n\nsubject or any\ncomparable is\nin a Hazard\nZone\n\nIf relevant\n\nRequired if Hazard\nZone is USGS Lava\nFlow Zone\n\nUSGS Lava Flow\nZone 1 - 9\n\nSite\n•\n\nLava Flow Zone\n4.047\n\nYes\n22.03.27\n\nRequired if Site Owned\nin Common is No, and\nthe row is included in\nthe sales comparison\ngrid\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nSite\n•\n\nPrimary Access to\nProperty 4.020\n\nYes\n22.03.29\n\nPedestrian Only Access\nPrivate Airstrip\nPrivate Street\nPublic Street\n\n•\n•\n•\n•\n• Waterway\n•\n\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 228 of 375\n\nVersion 1.3\n\nFree-form\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Site\n\n22.03.07\n22.03.30\n\nStreet Type |\nSurface\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\n22.03.07\n22.03.30\n\nStreet Type |\nSurface\n\nIf relevant\n\nRequired for each\nstreet when the row is\nincluded in the sales\ncomparison grid\n\n22.03.08\n22.03.32\n\nProperty\nRestriction\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\n22.03.09\n22.03.34\n\nEasement\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"}
diff --git a/chunks/json/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.json b/chunks/json/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.json
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index 0000000000000000000000000000000000000000..fa408d0b438af9f221a2f3b6cfd3af81c8bde54b
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+++ b/chunks/json/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":167925,"char_start":166324,"chunk_id":"chk_94f30d2bb898c09e","chunk_index":79,"chunk_sha256":"ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\n4.3.3 (2) Goes as high as $n\nin year n\n\n…/AMORTIZATION\n_RULE\n\nAmortizationType\n\nGPM\n\n4.3.2\n\nCan this amount\nincrease…?\n\n…/LOAN_DETAIL\n\nPaymentIncreaseIn\ndicator\n\ntrue\n\nRepresented as\n“Goes” on form\n\nRepresented as\n“YES” on form\n\n4. 3. 3 P& I PAYMENT I NCREASE TERMS\n\nRegardless of whether the payment increase is potential or scheduled, the number of months before the first\nadjustment, lifetime maximum payment amount and the earliest it can be reached also must be provided.\n\nThe following table illustrates the data points that need to be supplied for any loan where the payment adjusts\nbased on a change to the interest rate (ARM, Graduated Payment ARM, Step Rate, or loan with a temporary\nbuydown.) For form field ID 4.3.3, a reference to the bullet is also provided (first = (1), second = (2), third (3)).\nWhen the payment adjusts only because the interest rate is changing, the Adjustable Payment (AP) Table is not\nprovided.\n\nTable 63. P&I Payment Increase Terms\n\nID (bullet)\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\n4.3.3 (1) Adjusts every n\nyears starting in\nyear n\n\n4.3.3 (2) Goes as high as $n in\nyear n\n\n…/PRINCIPAL_AND_I\nNTEREST_PAYMENT\n_LIFETIME_ADJUST\nMENT_RULE\n\nFirstPrincipalAndInt\nerestPaymentChang\neMonthsCount\n\n61\n\nPrincipalAndInterest\nPaymentMaximumA\nmount\n\n1870.00\n\nRepresented as\n“Year 6” in Loan\nTerms table\n\nRepresented as\n“$1,870” in Loan\nTerms table\n\nAppendix E: UCD Implementation Guide\n\nPage 73 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nID (bullet)\n"}
diff --git a/chunks/json/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.json b/chunks/json/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.json
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+++ b/chunks/json/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.json
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+{"chunk":{"char_end":1046756,"char_start":1045144,"chunk_id":"chk_d057adde0b5d6f9c","chunk_index":623,"chunk_sha256":"adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_MarketC\nonditionsDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_DimensionsDescription\n\n40\n\nString\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 176 of 211\n\nDocument Version 1.4\n\nSort\nID\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\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n90\n\n1\n\n86\n\nSITE\n\nArea\n\nSite Area\nDescription\n\nA free-form text field used to specify the\nsite area such as \"2.34 acres\" or \"4,760\nsquare feet.\"\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_AreaDescription\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThe total size of the entire site/parcel must be entered. No other data should be\nentered in this field. For sites/parcels that have an area of less than 1 acre, the size\nmust be reported in square feet (whole numbers only, e.g. 27840 sf). Sites/parcels\nthat have an area of 1.00 acre or greater must be reported in acreage to two decimal\nplaces (e.g. 8.35 ac).\n\nPDF Display Format:\nIf less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more: Acres,\nnumeric to 2 decimal places. Indicate the unit of measure as either ‘sf’ for square\nfeet or ‘ac’ for acres as appropriate.\n\nExamples:\n· 6400 sf\n· 3.40 ac\n\n91\n\n1\n\n87\n\nSITE\n\nShape\n\nSite Feature\nComment\n"}
diff --git a/chunks/json/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.json b/chunks/json/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.json
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index 0000000000000000000000000000000000000000..702161fe1412ce6eeae13f13249a088072cfa84c
--- /dev/null
+++ b/chunks/json/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.json
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+{"chunk":{"char_end":373537,"char_start":371829,"chunk_id":"chk_91dee3b241bbd2f1","chunk_index":218,"chunk_sha256":"adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"8\n\n1\n\n9\n\n1\n\n7\n\n8\n\nSUBJECT\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n12\n\nString\n\nSUBJECT\n\nCity\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_City\n\n40\n\nString\n\n10\n\n1\n\n9\n\nSUBJECT\n\nState\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\n2\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address elements must be included in\nthis field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\nThis data is referenced more than once on the form (fields 1-6, 3-11, 6-19), and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n·Address unit designator and number\nThis data is referenced more than once on the form (fields 1-7, 3-12a, 6-20a), and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· City\nThis data is referenced more than once on the form (fields 1-8, 3-12b, 6-20b) and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-9, 3-12c, 6-20c), and must\nbe represented consistently.\n"}
diff --git a/chunks/json/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.json b/chunks/json/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.json
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index 0000000000000000000000000000000000000000..a8339d287f72c7beef1a6e3303c18f81156907f9
--- /dev/null
+++ b/chunks/json/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":115543,"char_start":113856,"chunk_id":"chk_69e9bed2fadc828b","chunk_index":114,"chunk_sha256":"adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc","token_estimate":422,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Content sets as TB-B\n\nProperty Amenities\n\n•\n\n•\n\n“Property Amenities” sets as TB-SCA_sub-H1\n\n“Outdoor Accessories,” “Outdoor Living,” “Water Features,” “Whole Home,” “Miscellaneous” set as\nTB\n\nVehicle Storage\n\n•\n\n•\n\n“Vehicle Storage” sets as TB-SCA_sub-H1-ADJ\n\n“Type | Spaces | Detail,” “[Additional Row]” set as TB\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\n•\n\n•\n\nSummary\n\n•\n\n•\n\n“Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room\ncounts)” sets as TB-SCA_sub-H1\n\n“Outbuilding Type” sets as TB-B, content sets TB-B\n\no “Gross Building Area,” “Finished Area,” “Unfinished Area,” “Structure Volume,” “Baths - Full,”\n“Baths - Half,” “Kitchens,” “Heating,” “Cooling,” “Utilities,” “[Additional Row]” set as TB-I\n\n“Summary” sets as TB-SCA_sub-H1.\n\n“List Price,” “Contract Price,” “Sale Price,” “Net Adjustment Total,” “Adjusted Price Per Unit,”\n“Adjusted Price Per Bedroom,” “Price Per Gross Building Finished Area,” “Price Per Finished Area\nAbove Grade,” “Adjusted Price,” “Comparable Weight” set as TB.\n\nIndicated Value by Sales Comparison Approach\n\n•\n\n•\n\n“Indicated Value by Sales Comparison Approach” sets as TB-SCA_H2.\n\n“Indicated Value” (for Subject Property only) sets as TB in Subject Property column; Comparable\ncolumns are merged and 10% black.\n\nAppendix E: Report Style Guide\n\nPage 63 of 90\n\nVersion 1.4\n\nReconciliation of Sales Comparison Approach (H1)\n\nSet Commentary as TXC x 45 picas.\n\nAdditional Properties Analyzed Not Used (H1)\n\nAdditional Properties Analyzed table\n\n• Set 6 column table x 45 picas, headings: (TCH) “#,” “Property Address,” “Sale Date,” “Status,”\n"}
diff --git a/chunks/json/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.json b/chunks/json/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.json
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index 0000000000000000000000000000000000000000..77662bd069b72c0270d7223af6c2354cfe56ea10
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+++ b/chunks/json/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7074,"char_start":5005,"chunk_id":"chk_71d6f0f799051d4f","chunk_index":3,"chunk_sha256":"ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614","token_estimate":522,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Are there any apparent physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No\nIf Yes, describe 209\n\n208\n\n207\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 212\n\n210\n\n211\n\nFreddie Mac Form 2055 March 2005 226\n\nPage 1 of 6\n\nFannie Mae Form 2055 March 2005\n\n2\n\nExterior-Only Inspection Residential Appraisal Report\n\nFile # 3 4 4a\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\n51\n\n47\n\n47\n\n51\n\n51\n\n47\n\n57\n\n57\n\n59\n\n$ 13\n\n53\n55\n\n53\n55\n\n$ 48\n\n$ 48\n\n$ 48\n\n22\n\n21\n\n62\n\n60\n\ne-25; e-2\n\ne-25; e-2\n\ne-25; e-2\n\ne-5; e-6; e-7\n\n61 60\n\nDESCRIPTION\n\nDESCRIPTION\n\nDESCRIPTION\n\nDESCRIPTION\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\nSUBJECT\n\n+(-) $ Adjustment\n\n+(-) $ Adjustment\n\n+(-) $ Adjustment\n\n$ 49 sq. ft.\n\n$ 49 sq. ft.\n\n$ 49 sq. ft.\n\n52\ne-26; e-27; e-28\n\n52\ne-26; e-27; e-28\n\n52\ne-26; e-27; e-28\n\nCOMPARABLE SALE # 1\n45\n46a 46b 46c\n\nCOMPARABLE SALE # 3\n45\n46a 46b 46c\n\nCOMPARABLE SALE # 2\n45\n46a 46b 46c\n\nThere are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7\nThere are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 .\nFEATURE\nAddress 11\n 12a 12b 12c\nProximity to Subject\nSale Price\nSale Price/Gross Liv. Area $ 14 sq. ft.\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nSite\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n39\n41\n43\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107\n 105\n"}
diff --git a/chunks/json/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.json b/chunks/json/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.json
new file mode 100644
index 0000000000000000000000000000000000000000..587130cbed4243ba3e73367044fabe1fa2b590fc
--- /dev/null
+++ b/chunks/json/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6284,"char_start":4993,"chunk_id":"chk_f657cd28248dd393","chunk_index":3,"chunk_sha256":"ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"3.1 Loan Term (Months)\n3.2 Purpose (LoanPurposeType = “Purchase |\n\nRefinance”)\n\n3.3 Product\n3.4 Loan Type\n\nConventional\n VA\n\nFHA\n\n3.5 Loan ID #\n3.6 MIC #\n\n.\n\n1.7 Sale Price $\n\nLoan Terms\n4.1 Loan Amount\n\n4.2 Interest Rate\n\n4.0\n4.1.1 $\n\n4.2.1 %\n\nCan this amount increase after closing? (Complete if “YES”)\n\n4.1.2 NO\n\n4.2.2 NO/YES 4.2.3\n\n▪ Adjusts every n years starting in year n.\n▪ Can go as high as % in year n.\n▪ See AIR Table on page 4 for details.\n\n4.3 Period Principal & Interest\n\n4.3.1 $\n\n4.3.2 NO/YES 4.3.3\n\nSee Projected Payments below for\nyour Estimated Total Monthly Payment\n\n▪ Adjusts every n years starting in year n.\n▪ Can go as high as $ in year n.\n\n4.4 Prepayment Penalty\n\n4.5 Balloon Payment\n\nProjected Payments\n\n5.0\n\nDoes the loan have these features?\n4.4.2 NO\n4.5.2 NO\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – n\n\n5.1.2 Years n – n\n\n5.1.3 Years n - n\n\n5.1.4 Years n - n\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\n\nAmount can increase over time\n\n5.5 Estimated Total\nPeriod Payment\n\n5.6 Estimated Taxes, Insurance\n & Assessments\n\nAmount can increase over time\nSee page 4 for details\n\n5.2.1 $ min\n5.2.2 $ max\n5.2.3 Only Interest\n\n5.3.1 + $\n\n5.4.1 + $\n\n5.5.1 $ min\n5.5.2 $ max\n\n5.6.1 $\n5.6.2 a period\n\n5.2.4 $ min\n5.2.5 $ max\n\n5.3.2 + $\n5.4.2 + $\n"}
diff --git a/chunks/json/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.json b/chunks/json/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.json
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index 0000000000000000000000000000000000000000..32d25808bbec5c76c8441970edfd9393e779e62f
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+++ b/chunks/json/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.json
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+{"chunk":{"char_end":317,"char_start":0,"chunk_id":"chk_84f8f297f66abd9e","chunk_index":0,"chunk_sha256":"ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5","token_estimate":96,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset\"\ndate_accessed: \"2026-01-27T17:46:10.624Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.json b/chunks/json/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.json
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index 0000000000000000000000000000000000000000..b854b3c3e6a294d4817ce71017ee55001f8c35b2
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+++ b/chunks/json/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8661,"char_start":7047,"chunk_id":"chk_f98cd1a68560a7a5","chunk_index":3,"chunk_sha256":"ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"The primary purpose of Appendix F-3: Completion Report Reference Guide is to provide guidance on how to\nenter information and how the data will be displayed on the Completion Report.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 4 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nOverview\n\nThe legacy form 1004D/442 was used for Appraisal Update and/or Completion. In the UAD redesign, the\nCompletion Report and Restricted Appraisal Update Report are separate reports. This Reference Guide only\naddresses the Completion Report.\n\nAppraisal Update and/or Completion Report\n\n1004D\n\n442\n\nLegacy Form Name\n\nFannie Mae Form\n\nFreddie Mac Form\n\nCompletion Report Section Organization\n\nThe Completion Report is a dynamic report with sections (black tabs) that vary based on information in the\nreport. This table shows the sections of the Completion Report and when they display. For more information\nabout a section, reference the appropriate chapter in this document.\n\nSection\n#\n\nSection Name\n(Black Tab)\n\nAlways\nDisplays\n\nWhen Section Displays\n\n01\n\n02\n\n03\n\n04\n\n05\n\n06\n\n07\n\n08\n\n09\n\nSubject Property\n\nOriginal Appraisal\n\nItemized List of Repairs\n\nNew Observed Items for Repair\n\nCompletion Status\n\nCompletion Report Commentary\n\nCompletion Report Exhibits\n\nAssignment Information\n\nCertifications and Intended Use / User\n\n√\n\n√\n\n√\n\n√\n\nTable Column Headings\n\nWhen the original appraisal report lists required repairs\n\nWhen additional repairs were observed during the completion inspection\n\nWhen Original Market Value Condition (02.003) includes Subject to Completion Per\nPlans\n\nWhen applicable\n\nWhen applicable\n"}
diff --git a/chunks/json/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.json b/chunks/json/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.json
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index 0000000000000000000000000000000000000000..bf2efc1c6619b8f05fdeea8bf22f763b5f4e4740
--- /dev/null
+++ b/chunks/json/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":90301,"char_start":88604,"chunk_id":"chk_4abf32ab6186e783","chunk_index":50,"chunk_sha256":"ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Fair Rental Days on Schedule E of the most recently\nfiled tax return must confirm the number of days\nthat the rental property was in service, which must\nsupport the property being out of service for all or a\nportion of the year.\n\nthe lender determines that some other situation\nwarrants an exception to use a lease agreement,\n\nthe lender must provide an explanation and justification in\nthe loan file.\n\nIf the borrower is converting a principal residence to an investment property, see Selling Guide B3-6-06, Qualifying Impact of\nOther Real Estate Owned, for guidance in using that rental income to qualify the borrower.\n\nCalculating Monthly Qualifying Rental Income (or Loss)\n\nRental income must be calculated for each rental property. The amount of rental income that may be used to qualify may be\nrestricted depending on whether the borrower currently has a housing payment and has a history of receiving rental income.\n\nA housing payment is the total monthly expense the borrower(s) is currently making for the primary residence occupied by the\nborrower(s).\n\nA housing payment can only include the following:\n\n• Rental housing payment,PITIA payment and/or leasehold payment for mortgaged properties, or\n• Property taxes and/or leasehold payments for non-mortgaged properties.\n\nSee Selling Guide B3-6-01 General Information on Liabilities and B3-6-05 Monthly Debt Obligations.\n\nIf not otherwise documented as one of the borrower’s existing liabilities, the lender must document the borrower’s housing\npayment. Documentation may include, but is not limited to:\n\n• direct verification of rent from a management company,\n• bank statements reflecting a payment to an organization or individual,\n•\n•\n"}
diff --git a/chunks/json/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.json b/chunks/json/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.json
new file mode 100644
index 0000000000000000000000000000000000000000..8ba03a361aa3903c854ad549c68f3dd33bcb9173
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+++ b/chunks/json/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":322142,"char_start":320536,"chunk_id":"chk_ecac29ea62f19fa3","chunk_index":270,"chunk_sha256":"ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"2500.0058 ProjectCompletedIndicator\n\nCheckbox always displays.\n\n18.017 Subject Property Building Complete\n\n2500.0066 SubjectBuildingCompletedIndicator\n\nCheckbox displays when ProjectCompletedIndicator = \"false\".\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport Label\n\nReport\nField ID\n18.018 Converted in Past 3 Years\n\n18.019 Ground Rent\n\n18.020 Annual Amount\n\n18.021 Expires\n\nProject Information: General Information\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n2500.0048 ProjectConversionIndicator\n\nCheckbox always displays.\n\n2500.0031 ProjectAnalysisGroundRentIndicator\n\nDisplay when PropertyInProjectIndicator = \"true\"\n\n2500.0028 ProjectAnalysisGroundRentAmount\n\nDisplay when ProjectAnalysisGroundRentIndicator = \"true\"\n\n2500.0030 ProjectAnalysisGroundRentExpirationDate\n\nDisplay when ProjectAnalysisGroundRentIndicator = \"true\"\n\n18.022 Description of Ground Rent\n\n2500.0029 ProjectAnalysisGroundRentDescription\n\nDisplay when ProjectAnalysisGroundRentIndicator = \"true\" AND exists\n\nPage 247\n\nCooperative Information\n\nThe Cooperative Information subsection displays when the property is a cooperative and there is blanket financing.\n\n• Condominium Cooperative Condop - ProjectLegalStructureType (UID: 2500.0168, FID: 18.002) = “Cooperative” AND\n\nProjectBlanketFinancingIndicator (UID: 2500.0074, FID: 18.026) = “true”\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 248\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nProject Information: Cooperative Information\n\n18.023\n\nShares Issued and Outstanding\n\n2500.0075\n\nProjectTotalSharesIssuedAndOutstandingCount\n"}
diff --git a/chunks/json/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.json b/chunks/json/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.json
new file mode 100644
index 0000000000000000000000000000000000000000..26cc5c0b1f37bed3d590efdd948436578ff0a8a1
--- /dev/null
+++ b/chunks/json/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6776,"char_start":6448,"chunk_id":"chk_ae7b450cf2822623","chunk_index":4,"chunk_sha256":"ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878","date_utc":"2026-01-27T17:46:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34b0154c2ba22867","text_sha256":"ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878","token_estimate":82,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.pdf/uad-infographic.pdf","below_target_min_tokens"]},"text":"This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction\n\nof the Federal Housing Finance Agency. Fannie Mae and Freddie Mac Confidential Commercial Information; FOIA Exemption Requested.\n\nAppraiser Reference ID AA12345\n\nClient Reference ID 1234567\n"}
diff --git a/chunks/json/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.json b/chunks/json/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..f1822d1e7454d5832e0f39522e3665be336f4b5f
--- /dev/null
+++ b/chunks/json/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22809,"char_start":21526,"chunk_id":"chk_104b2dbf7fb5979f","chunk_index":15,"chunk_sha256":"ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"$ 2.3 Lender Company Name\n\n3.1 Loan Term Months\n3.2 Purpose (LoanPurposeType = “Refinance”)\n\n3.3 Product\n\n3.4 Loan Type\n\nConventional\n VA\n\nFHA\n\n3.5 Loan ID #\n3.6 MIC #\n\n.\n\nLoan Terms\n4.1 Loan Amount\n\n4.2 Interest Rate\n\n4.0\n4.1.1 $\n\n4.2.1 %\n\nCan this amount increase after closing? (Complete if “YES”)\n4.1.2 NO\n\n4.1.3\n\n4.2.2 NO/YES 4.2.3\n\n4.3 Period Principal & Interest\n\n4.3.1 $\n\n4.3.2 NO/YES 4.3.3\n\nSee Projected Payments below for\nyour Estimated Total Monthly Payment\n\n▪ Adjusts every n years starting in year n.\n▪ Can go as high as $ in year n.\n\n▪ Adjusts every n years starting in year n.\n▪ Can go as high as % in year n.\n▪ See AIR Table on page 4 for details.\n\n4.4 Prepayment Penalty\n\n4.5 Balloon Payment\n\nProjected Payments\n\n5.0\n\nDoes the loan have these features?\n4.4.2 NO\n4.5.2 NO\n\n4.4.3\n4.5.3\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – n\n\n5.1.2 Years n – n\n\n5.1.3 Years n - n\n\n5.1.4 Years n - n\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.4 Estimated Escrow\n\nAmount can increase over time\n\n5.5 Estimated Total\nPeriod Payment\n\n5.6 Estimated Taxes, Insurance\n & Assessments\n\nAmount can increase over time\nSee page 4 for details\n\n5.2.1 $ min\n5.2.2 $ max\n5.2.3\n\n5.3.1 + $\n\n5.4.1 + $\n\n5.5.1 $ min\n5.5.2 $ max\n\n5.6.1 $\n5.6.2 a period\n\nCosts at Closing\n\n6.1 Closing Costs\n"}
diff --git a/chunks/json/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.json b/chunks/json/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.json
new file mode 100644
index 0000000000000000000000000000000000000000..99f063e1aa8897bcb3cce786659d0245ca47fe44
--- /dev/null
+++ b/chunks/json/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5845,"char_start":3869,"chunk_id":"chk_f29a49a3004b2f21","chunk_index":2,"chunk_sha256":"ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b","date_utc":"2026-01-27T18:10:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_955175f7aea76563","text_sha256":"ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b","token_estimate":494,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123114.pdf"]},"text":"Unit2--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nPage 2 of 5\n\nColumn\n\n49 Aff3\n\n50 Aff4\n\n51 Rent1\n\n52 Rent2\n\n53 Rent3\n\n54 Rent4\n\n55 RentUt1\n\n56 RentUt2\n\n57 RentUt3\n\n58 RentUt4\n\n59 Geog\n\n60 Rate\n61 Amount\n62 Front\n63 Back\n64 Borrower Credit Score\n\n65 Co-Borrower Credit Score\n\n66 PMI\n\n67 Self\n\n68 PropType\n\n69 ArmIndex\n\n70 ArmMarg\n\n71 PrepayP\n\nAMA_PUDB_Definitions_123114.xlsx\n\nDefinition\nUnit3--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit4--Affordable Category meets the housing goals implemented by HERA Section 1205\n1=yes;\n2=no\n\nUnit1-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit2-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit3-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit4-- Reported Rent Level in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit1--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit2--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit3--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nUnit4--Reported Rent Plus Utilities in whole dollars\n9999999999=no non-owner-occupied dwelling units\nGeographically Targeted Indicator indicating whether the property is in census tracts\nannually classified as underserved by HUD\n1=yes;\n2=no\nInterest Rate\nLoan Amount in Whole Dollars\nFront-end Ratio\nBack-end Ratio\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater, 9 = missing or no co-borrower\nPercent of the original loan balance covered by primary mortgage insurance (PMI)\n0=no PMI\n"}
diff --git a/chunks/json/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.json b/chunks/json/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..cded158ff5a1b855766b59b6dc36d5d80d259e8c
--- /dev/null
+++ b/chunks/json/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1022466,"char_start":1020867,"chunk_id":"chk_8daaf8ff50474969","chunk_index":609,"chunk_sha256":"ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@Listed\nWithinPreviousYearIndicator=‘N’]\n\nThe total number of continuous days from\nthe date that a property is listed or\nadvertised for sale through the date that it\nis taken off the market or contracted for\nsale.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION\n_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/\nCOMPARISON DETAIL/@GSEDaysOnMarketDescription\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nString\n\nMust provide a whole number or 'Unk' if not known.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n48\n\n90\n\n1\n\n1\n\n4\n\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-32, 1-33, 1-34\n(Values of Appraisal Purpose Type) must be\nindicated.\n\nThis field is required if field 1-34 (Appraisal\nPurpose Type = 'Other') is indicated.\n\nOne and only one of fields 1-38, 1-39 (values of\nListed Within Previous Year Indicator) must be\nindicated.\n\nOne and only one of fields 1-38, 1-39 (values of\nListed Within Previous Year Indicator) must be\nindicated.\n\nIf field 1-38 is indicated, this field must be\nindicated.\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n"}
diff --git a/chunks/json/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.json b/chunks/json/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.json
new file mode 100644
index 0000000000000000000000000000000000000000..1129f560bf0f9a4392b4fc5fe7d17966ce9fcaa7
--- /dev/null
+++ b/chunks/json/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":802773,"char_start":801143,"chunk_id":"chk_bc79ca1dee104add","chunk_index":478,"chunk_sha256":"ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 370 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nOutbuilding – ADU/Workshop/Garage\n\nIn this example, Outbuilding Type is selected as Other, and described as ADU/Workshop/Garage.\n• Units in Structure is 1 because the outbuilding includes an ADU.\n• For Gross Building Area, the total GBA is reported (400 sq. ft. 2-car garage + 600 sq. ft. ADU + 500 sq. ft.\n\nunfinished workshop space = 1500 sq. ft.) regardless of usage.\n\n• Utilities are reported in the outbuilding Detail subsection.\n•\n\nIn the Outbuilding Area table, the finished area is reported as 0 sq. ft., and the unfinished area is reported\nas 500 sq. ft. reflecting the area of the workshop. The Room Summary column is blank because there are no\nrooms outside of the ADU.\n\no Area detail for the 2-car garage is reported in Vehicle Storage and not in the Outbuilding Area table.\no The area and rooms for the ADU are reported as part of the Unit Interior section for the ADU, and\n\nnot in the Outbuilding Area table.\n\n• Because the outbuilding includes an ADU, heating and cooling information is reported in the Mechanical\n\nSystem Details subsection, instead of the Detail subsection (checkboxes).\n\nUnit Interior – ADU/Workshop/Garage - ADU\n\nNotes:\n• Only the portions of Unit Interior that address areas and rooms for the ADU are included in this appendix.\nReference the 10 Unit Interior chapter of this document for details on the reporting and display of this\nsection.\nIn this example, Outbuilding Type is selected as Other and described as ADU/Workshop/Garage, and Unit\nIdentifier is ADU.\n"}
diff --git a/chunks/json/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.json b/chunks/json/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.json
new file mode 100644
index 0000000000000000000000000000000000000000..d02832c31608b7015d897a1ff511eb68781f5e3b
--- /dev/null
+++ b/chunks/json/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8722,"char_start":7071,"chunk_id":"chk_7b01a84fd0003856","chunk_index":4,"chunk_sha256":"ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4aac393be9462776","text_sha256":"ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542","token_estimate":444,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fact_Sheets___FHFA_dzrdl.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Fact Sheets\n\nConcise and informative documents providing insights on FHFA's housing finance work, covering topics such as Agency overview, affordable housing, regulatory actions, market reports, and performance of the Enterprises.\n\n## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - Fact Sheets\n\n- [News Releases](/news/news-release)\n - [Speeches](/news/speech)\n - [Statements](/news/statement)\n - [Testimonies](/news/testimony)\n - [Fact Sheets](/news/fact-sheet)\n"}
diff --git a/chunks/json/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.json b/chunks/json/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.json
new file mode 100644
index 0000000000000000000000000000000000000000..9974e4af6f5f6156159db5d8629d2ba9ab6a3eb8
--- /dev/null
+++ b/chunks/json/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1621,"char_start":0,"chunk_id":"chk_92126aa826294a44","chunk_index":0,"chunk_sha256":"ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4c2b30db5d0acdb7","text_sha256":"ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-version-history.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)\nVersion History\n\nUpdated: February 4, 2025\n\nThe purpose of this document is to provide the UAD appraisal-level PUF users with information on\ndata file version history. Table 1 provides the release version name, release date, and notes\nhighlighting any updates to the data elements and file formats.\n\nTable 1: UAD Appraisal-Level Public Use File (PUF) Version History\n\nVersion\nName\nV1.0\n\nRelease\nDate\n10/16/2023\n\nV1.1\n\n4/12/2024\n\nNotes\n\n First-ever public release of the Uniform Appraisal Dataset (UAD)\n\nappraisal-level data collected through Uniform Residential\nAppraisal Report (URAR).\n\n Nationally representative 5 percent random sample of 1-unit\n\nsingle-family appraisal records of mortgages acquired by Fannie\nMae and Freddie Mac (the Enterprises) that required traditional\nappraisals.\n\n Appraisals from 2013 to 2021.\n 1.37 million records.\n 37 selected data fields.\n Race and ethnicity of borrowers obtained from the Enterprises'\nmortgage documents associated with the UAD records were\nincluded.\n\n Data in CSV, R, SAS, and Stata formats.\n Updated approximately 5 percent of the PUF records where\n\ncoverage for the “Number of Comps Used” data field (field name:\nnumber_comparables) was expanded to include all comparable\nproperties instead of only those with proper geocodes. This\naligned the UAD PUF with the corresponding data field reported\nin the UAD Aggregate Statistics.\n\n Data dictionary was updated with this information. This resulted\nin the recategorization of the bin in the “Number of Comps\nUsed” data field from \"1-3\" to \"3\".\n"}
diff --git a/chunks/json/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.json b/chunks/json/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.json
new file mode 100644
index 0000000000000000000000000000000000000000..59de4b58896f3d833886797768f1022b8b2090d5
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+++ b/chunks/json/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":500880,"char_start":499186,"chunk_id":"chk_784ed6c3035c283a","chunk_index":289,"chunk_sha256":"ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Sales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$770,000\n08/20/2019\nTypically Motivated\nNo\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nSales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and analyzed by\nthe appraiser.\n\nPrior 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\nTypically Motivated\n\nDate\n01/24/2013\n\nAmount\n$600,000\n\nData Source\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property The following improvements have occurred since the prior sale of the\nsubject: kitchen, full bath and half bath on the 1st floor have been remodeled, the exterior was recently painted, and new windows, shutters\nand doors were installed.\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\nData Source\nMLS\n\nDate\n02/23/2015\n\nAmount\n$677,250\n\n2\n\n3\n\nNone\n\nTypically Motivated\n\n07/17/2016\n\n$485,000\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comp#1: Kitchen and Bathrooms have been upgraded and updated since\nthe last sale. Comp#3: Kitchen and Bathrooms have been upgraded and updated since the last sale.\n"}
diff --git a/chunks/json/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.json b/chunks/json/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.json
new file mode 100644
index 0000000000000000000000000000000000000000..df0bbbed01585cfbc7e0c48182bda7e4cd442f0c
--- /dev/null
+++ b/chunks/json/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":264718,"char_start":263098,"chunk_id":"chk_7f274d3ca8163915","chunk_index":147,"chunk_sha256":"ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Time adjustments should be supported by other comparables (such as sales, contracts) whenever possible; however, in all\ninstances the appraiser must provide an explanation for the time adjustment in the appraisal report.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 100 of 166\n\nUAD 3.6 Policy\n\nThe appraiser should provide the date of the sales contract and the settlement or closing date for each comparable sale. If the\ncontract date is unavailable to the appraiser in the normal course of business, the appraiser must enter unknown in place of the\ncontract date.\n\nAppraiser’s Comments and Indicated Value in the Sales Comparison Approach\n\nThe appraiser must provide fact-based and objective comment(s) that detail the work performed and data sources utilized for the\nmarket supported adjustments. A statement only recognizing that an adjustment has been made is not acceptable. When\nappropriate, the appraiser’s analysis should also include fact-based comments about a current contract, offering, or listing for the\nsubject or comparable sales, current ownership, and recent prior sales or transfers. Additionally, the appraiser’s comments must\nreconcile the adjusted (or indicated) values for the comparable sales and identify why the sale(s) were given the most weight, less\nweight, or no weight in developing the indicated value for the subject property. It should be noted that the indicated value in the\nSales Comparison Approach must be within the range of the adjusted sales price of the comparables identified in the appraisal\nreport.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 101 of 166\n"}
diff --git a/chunks/json/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.json b/chunks/json/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.json
new file mode 100644
index 0000000000000000000000000000000000000000..870e8ff4d08cae34026f5df9d0c68afc0ae102ea
--- /dev/null
+++ b/chunks/json/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":701270,"char_start":699670,"chunk_id":"chk_239970c0d49cfbc3","chunk_index":415,"chunk_sha256":"ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Instruction - Refer to Appendix D Subject Section\nShould be in a four digit year format.\n\nData Format:\nyyyy\n\nThe form field 1-17 (GSE Property Tax\nTotal Tax Amount) is greater than 0.\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis data is referenced more than once on the form (fields 1-18, 3-13) and must be\nrepresented consistently to the extent the available space permits.\n\nThe legal phase number of the subject unit.\n\nThis data is referenced more than once on the form (fields 1-19, 3-14), and should be\nrepresented consistently.\n\nString\n\nString\n\nString\n\nString\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-22, 1-23, 1-24\n(values of Property Current Occupancy\nType) must be indicated.\nOne and only one of fields 1-22, 1-23, 1-24\n(values of Property Current Occupancy\nType) must be indicated.\n\nCR\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 129 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-22, 1-23, 1-24\n(values of Property Current Occupancy\nType) must be indicated.\n\n25\n\n26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n"}
diff --git a/chunks/json/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.json b/chunks/json/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.json
new file mode 100644
index 0000000000000000000000000000000000000000..076f85f5de2f5cbedec35a8301e9eaf49973c571
--- /dev/null
+++ b/chunks/json/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":69964,"char_start":68225,"chunk_id":"chk_ab1ecaa57278a323","chunk_index":44,"chunk_sha256":"ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n32\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n33\n\nMESSAGEABOUT_VERSIONSMISMOReferenceModelIdentifier (attribute)DEAL_SETSPARTYABOUT_VERSIONPARTIESData PointsContainersLegend:XML ContentCreatedDatetimeROLESROLEROLE_DETAILPARTY_ROLE_IDENTIFIERSPARTY_ROLE_IDENTIFIERPartyRoleIdentifierPartyRoleTypeDEAL_SETDEALSDEALLOANSLOANLOAN_DETAILApplicationReceivedDateORIGINATION_SYSTEMSORIGINATION_SYSTEMLoanOriginationSystemNameLoanOriginationSystemVendorIdentifierLoanOriginationSystemVersionIdentifier\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n34\n\nMESSAGEDEAL_SETSDEALSDEAL_SETData PointsContainersLegend:Form HeaderDEALLOANSLOANLOAN_IDENTIFIERSLOAN_IDENTIFIERLoanIdentifierTypeLoanIdentifierAutomatedUnderwritingCaseIdentifierUNDERWRITINGAUTOMATED_UNDERWRITINGSAUTOMATED_UNDERWRITING\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n35\n\nData PointsContainersLegend:1a. Personal InformationDEALLOANSLOANLOAN_DETAILBorrowerCountAddressTypeAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodePARTIESPARTYADDRESSESADDRESSINDIVIDUALNAMELastNameFirstNameMiddleNameSuffixNameALIASESALIASNAMELastNameFirstNameMiddleNameSuffixNameCONTACT_POINTSCONTACT_POINTCONTACT_POINT_DETAILContactPointRoleTypeCONTACT_POINT_EMAILContactPointEmailValueCONTACT_POINT_TELEPHONEContactPointTelephoneValueContactPointTelephoneExtensionValueGOVERNMENT_LOANVABorrowerCoBorrowerMarriedIndicatorHOUSING_EXPENSESHOUSING_EXPENSE_SUMMARYHousingExpensePresentTotalMonthlyPaymentAmountLANGUAGESLANGUAGELanguageCodeEXTENSIONOTHERULAD:LANGUAGE_EXTENSIONULAD:LanguageCodeOtherDescriptionULAD:LanguageRefusalIndicator\n"}
diff --git a/chunks/json/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.json b/chunks/json/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.json
new file mode 100644
index 0000000000000000000000000000000000000000..34696109cda0d3a6d1fc77c16455c9dcc939167a
--- /dev/null
+++ b/chunks/json/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":42717,"char_start":40531,"chunk_id":"chk_13338515baceb0d6","chunk_index":15,"chunk_sha256":"ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5","token_estimate":547,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"Provide UID 1.012 Unparsed Legal Description along with UID 1.011 Postal Code.\n\n**34. What UCD values for ConstructionMethodType do we use in our AUS (automated underwriting system)?**\n\nThe MISMO versions supporting our AUSs, UCD and ULDD accommodate a single ConstructionMethodType per property. The following table provides a mapping from the value reported from the Uniform Appraisal Dataset (UAD) to these datasets when a single ConstructionMethodType is identified.\n\n**Single Value Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured Manufactured Manufactured Manufactured OnFrameModular SiteBuilt SiteBuilt SiteBuilt Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt Container SiteBuilt Container Container ThreeDimensionalPrintingTechnology SiteBuilt ThreeDimensionalPrintingTechnology ThreeDimensionalPrintingTechnology When UAD reports multiple ConstructionMethodTypes the following table provides the mapping to the AUSs UCD and ULDD:\n\n**Multiple Values Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured and SiteBuilt Manufactured Manufactured Manufactured Manufactured and OnFrameModular Manufactured Manufactured Manufactured Manufactured and Modular Manufactured Manufactured Manufactured Manufactured and Container Manufactured Manufactured Manufactured Manufactured and ThreeDimensionalPrintingTechnology Manufactured Manufactured Manufactured SiteBuilt and OnFrameModular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Container SiteBuilt SiteBuilt SiteBuilt SiteBuilt and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt OnFrameModular and Modular SiteBuilt SiteBuilt SiteBuilt OnFrameModular and Container SiteBuilt SiteBuilt SiteBuilt OnFrameModular and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt Modular and Container SiteBuilt SiteBuilt SiteBuilt Modular and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt Container and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt **35. How can I reflect a simultaneous second loan in the UCD XML file?**\n"}
diff --git a/chunks/json/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.json b/chunks/json/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.json
new file mode 100644
index 0000000000000000000000000000000000000000..e16b451d162686a729a97323d821da5f5d98675d
--- /dev/null
+++ b/chunks/json/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":463209,"char_start":461384,"chunk_id":"chk_6bfabf2cd472fdc5","chunk_index":267,"chunk_sha256":"aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 21 of 22\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n"}
diff --git a/chunks/json/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.json b/chunks/json/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.json
new file mode 100644
index 0000000000000000000000000000000000000000..9e058cac981c5f386ef8a05c8aca5b993c449b3f
--- /dev/null
+++ b/chunks/json/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":453512,"char_start":451899,"chunk_id":"chk_d7fafd7beb59c58b","chunk_index":262,"chunk_sha256":"aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Quality\n\nCondition\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 16 of 22\n\nSales Comparison Approach (continued)\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\n1234 Anywhere Pl\nAnywhere, MD 20854\n\n2134 Nothing Hill Pl\nAnywhere, MD 20854\n\n7890 Some Pl\nAnywhere, MD 20854\n\nDeck| Deck\n\nDeck | Deck\n\nDeck | Deck\n\nElevator | Indoor Fireplace - 1\n\nElevator | Indoor\nFireplace - 3\n\n$(4,000)\n\nElevator | Indoor\nFireplace - 1\n\nProperty Address\n\nProperty Amenities\n\nOutdoor Living\n\nWhole Home\n\nVehicle Storage\n\nType | Spaces | Detail\n\nGarage | 2 | Built-in 648 Sq. Ft.\n\nGarage | 2 | Built-in\n\nGarage | 2 | Built-in\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n$875,000\n\n$866,000\n\n$880,000\n\n$880,000\n\n—\n\n$7,000\n\n$256\n\n$887,000\n\nMost\n\n$890,000\n\n$880,000\n\n—\n\n$11,000\n\n$256\n\n$891,000\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$880,000\n\nReconciliation of Sales Comparison Approach\n\nComparables #1, #2, #4, and #5 were given the most weight based on proximity and similarities to the subject. Comparables #4 and #5 are\nunder contract and included as additional support for the value estimate. The contract price was verified with the agent for both comparables\n#4 and #5.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n"}
diff --git a/chunks/json/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.json b/chunks/json/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.json
new file mode 100644
index 0000000000000000000000000000000000000000..0154325ac423dddd6201cea3b94b0196e53eb7b9
--- /dev/null
+++ b/chunks/json/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33424,"char_start":32947,"chunk_id":"chk_0b93b15905a6142b","chunk_index":53,"chunk_sha256":"aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Approaches to Value (H1) ................................................................................................................................... 73\n\nAppraisal Summary (H1) ..................................................................................................................................... 74\n\nClient Requested Conditions (H1) ....................................................................................................................... 74\n"}
diff --git a/chunks/json/aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca.json b/chunks/json/aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea5c65efa1f4c02d4b7a8af20b591e0e294fb31e
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@@ -0,0 +1 @@
+{"chunk":{"char_end":18764,"char_start":17880,"chunk_id":"chk_40c279f5acc5caa5","chunk_index":18,"chunk_sha256":"aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca","token_estimate":501,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:23)(cid:17)(cid:20)(cid:19)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:23)(cid:17)(cid:20)(cid:19)(cid:19)(cid:17)(cid:21)\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"}
diff --git a/chunks/json/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.json b/chunks/json/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.json
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index 0000000000000000000000000000000000000000..d56f1c17169fcbdfa5ac4f74ffd6a82bde634c04
--- /dev/null
+++ b/chunks/json/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.json
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+{"chunk":{"char_end":521355,"char_start":519740,"chunk_id":"chk_fbc8b2fa2202077e","chunk_index":307,"chunk_sha256":"aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1073\nDesktop/465D\n\n276\n\n2\n\n74\n\nUNIT\nDESCRIPTION\n\nCar Storage\nCovered\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Covered']\n\n7\n\nEnumerated\n\nA separate car storage location element must be populated for each box that is checked.\n\n277\n\n2\n\n75\n\nUNIT\nDESCRIPTION\n\nCar Storage\nOpen\n\nCar Storage\nLocation Type\n\nSpecifies the location and type of the Car\nStorage Location.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR\n_STORAGE_LOCATION[@_Type='Open']\n\n278\n\n279\n\n280\n\n281\n\n282\n\n2\n\n2\n\n2\n\n2\n\n2\n\n76\n\n77\n\n78\n\n79\n\n80\n\nUNIT\nDESCRIPTION\n\n# of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle parking\nspaces (i.e., the number of parking spaces\nin a garage, carport or condominium\ncomplex).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa\nrkingSpacesCount\n\nUNIT\nDESCRIPTION\n\nCar Storage\nAssigned\n\nUNIT\nDESCRIPTION\n\nCar Storage\nOwned\n\nUNIT\nDESCRIPTION\n\nParking Space #\n\nParking Space\nAssignment Type\n\nParking Space\nAssignment Type\n\nParking Space\nIdentifier\n\nSpecifies the type of arrangement between\nthe project and the assigned car storage\nfor the subject unit.\nSpecifies the type of arrangement between\nthe project and the assigned car storage\nfor the subject unit.\nThe identification of the parking space or\nspaces assigned to the subject unit (e.g.,\nspace numbers).\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa\nrkingSpaceAssignmentType='Assigned']\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa\nrkingSpaceAssignmentType='Owned']\n"}
diff --git a/chunks/json/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.json b/chunks/json/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.json
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index 0000000000000000000000000000000000000000..4b52489585f7d4c1d8758485edb46073b290d5df
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+++ b/chunks/json/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.json
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+{"chunk":{"char_end":342545,"char_start":340946,"chunk_id":"chk_a39f1af17c74b7e7","chunk_index":189,"chunk_sha256":"af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6","token_estimate":400,"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• HOA still in the developer’s control.\n\nDetached condo project\n\nA project comprised solely of detached units or that comprises a mixture of attached\nand detached units and may be a new or established project.\n\nTwo- to four-unit condo project\n\nA project comprised of two, three, or four residential units in which each unit is\nevidenced by its own title and deed. A two- to four-unit condo project may be either a\nnew or established project and may be comprised of attached and/or detached units.\n\nManufactured home project\n\nA project consisting partially or solely of manufactured homes.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 130 of 166\n\nUAD 3.6 Policy\n\nProject Type\n\nIdentification Criteria\n\nCo-op project\n\nA project in which a corporation or trust holds title to the property and sells shares of\nstock representing the value of a single apartment unit to individuals who, in turn,\nreceive a proprietary lease as evidence of title.\n\nPlanned unit development\n(PUD) project\n\nA project or subdivision that consists of common property and improvements that are\nowned and maintained by an HOA for the benefit and use of the individual PUD unit\nowners. The unit owners in the project have title to a residential property (lot and\nstructure) and an interest in the HOA that owns or manages the common area and\nfacilities of the PUD.\n\nSee Selling Guide B4-2.3-01, Eligibility Requirements for Units in PUD Projects, for\nadditional detail used in determining whether a project is new or established and\nsubject to Fannie Mae’s PUD eligibility requirements.\n\nHorizontal Property Regimes\n"}
diff --git a/chunks/json/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.json b/chunks/json/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.json
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index 0000000000000000000000000000000000000000..debb11df08db314c3f5bc750066c86e253effe05
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+++ b/chunks/json/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24850,"char_start":23237,"chunk_id":"chk_aa294f50270234be","chunk_index":17,"chunk_sha256":"af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"5. Sample Design, Weighting, and Variance Estimation\n\n5a. Sample Design\n\nAs mentioned in Section 4a, FHFA used sampling as one of the disclosure avoidance methods to reduce\npotential re-identification of borrowers, property addresses, and appraisers. To achieve the objectives\ndescribed in Section 4a, FHFA elected to use a stratified simple random sample approach. FHFA drew a\nnationally representative simple random sample of five percent of all eligible appraisal records by year.\nFHFA determined that an annual sample of five percent of appraisal records balanced the need for re-\nidentification reduction while maintaining adequate statistical power for numerous types of uses.\n\nThe following tables show the total number of appraisal records eligible for the sample, and the total\nsample size, separately for the Enterprise UAD and FHA UAD.\n\nEnterprise UAD\n\nYear\n\n2013\n2014\n2015\n2016\n2017\n2018\n2019\n2020\n2021\n2022\n\nTotal Number of\nRecords Eligible for the\nSample\n2,925,075\n2,254,965\n2,837,935\n3,413,860\n2,781,566\n2,493,532\n3,065,096\n4,667,551\n4,288,470\n2,175,025\n\nTotal Sample Size\n\n137,670\n105,930\n135,232\n164,546\n132,930\n118,807\n147,432\n227,356\n207,741\n104,224\n\n7 High-cost areas are defined as part of the FHFA Conforming Loan Limits regulations.\nhttps://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx\n\nFederal Housing Finance Agency\n\n7\n\nUAD PUF Version 2.1 Data Documentation\n\nFHA UAD\n\nYear\n\n2017\n2018\n2019\n2020\n2021\n2022\n\nTotal Number of Records\nEligible for the Sample\n\nTotal Sample Size\n\n1,004,064\n898,696\n994,524\n978,793\n954,783\n779,946\n\n47,320\n42,476\n47,499\n46,707\n45,383\n37,089\n"}
diff --git a/chunks/json/af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4.json b/chunks/json/af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4.json
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+{"chunk":{"char_end":1719,"char_start":0,"chunk_id":"chk_1302ce51d4705975","chunk_index":0,"chunk_sha256":"af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7c50500f402e3357","text_sha256":"af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Testimonies___FHFA_ge51l.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/testimony\"\ndate_accessed: \"2026-01-27T17:47:50.492Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.json b/chunks/json/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.json
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index 0000000000000000000000000000000000000000..e4f4858602d9f1bb0a20e9516b4712033377f649
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+++ b/chunks/json/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":227568,"char_start":225373,"chunk_id":"chk_cea130a7c7685cf0","chunk_index":127,"chunk_sha256":"af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef","token_estimate":549,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Defect, Damage, or Deficiency\n\nThe appraiser must report any significant items and associate any defect, damage, or deficiency with the most appropriate\nsection of the Uniform Residential Appraisal Report (URAR). These items have at least one of the following characteristics\n\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the specific field,\n• Negatively affect the integrity / composition of the site itself,\n• Negatively affect the soundness or structural integrity of the improvements,\n• Measurably impact the marketability or value of the property, or\n• Require completion.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 90 of 166\n\nUAD 3.6 Policy\n\nThe appraisal report must identify and describe physical deficiencies that could affect a property’s soundness or structural\nintegrity. If the appraiser has identified any of these deficiencies, the property must be appraised \"subject to\" completion of the\nspecific repairs or alterations. In instances related to the dwelling(s), the dwelling condition and quality ratings must reflect the\ncondition and quality of the dwelling based on the hypothetical condition that the repairs or alterations have been completed. All\nitems affecting soundness and structural integrity must be identified in the Defects, Damages, Deficiencies table(s) of the\nappropriate section.\n\nIf the appraiser is not qualified to evaluate the alterations or repairs, the appraisal must note the deficiencies and be completed\n\"subject to\" a satisfactory inspection by a qualified professional. The lender must decide if the inspection(s) is required and\nwhether the property meets eligibility requirements. If the property does not meet eligibility requirements, the lender must\nprovide satisfactory evidence that the condition has been corrected or repaired prior to loan delivery. In this case, the appraiser is\nnot required to review the professionally prepared report, re-inspect the property, or provide a Completion Report. The lender\nmust document the decision and rationale in the loan file. See SB4-1.4-08, Apparent Environmental Conditions, for properties\naffected by environmental hazards.\n"}
diff --git a/chunks/json/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.json b/chunks/json/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.json
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index 0000000000000000000000000000000000000000..b3d3896ec1b581fa467ef74120843a249c17452a
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+++ b/chunks/json/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.json
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+{"chunk":{"char_end":360182,"char_start":358557,"chunk_id":"chk_56f4bb8a01350393","chunk_index":292,"chunk_sha256":"af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"0800.0031\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PriorSalesOrTransfersIndicator\n\n0800.0032\n\nRELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n0800.0033\n\nRELATIONSHIP\n\n@xlink:to\n\nPriorSalesOrTransfersIndicator_n\n\n0700.0124\n\nDATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\n1800.0198\n\nPROPERTY_DETAIL\n\n@xlink:label\n\nPriorSalesOrTransfersIndicator_n\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n22 Sales Comparison Approach\n\nPage 275\n\nThe Sales Comparison Approach section captures a market analysis of the subject property via a grid of comparable transactions (comps) and\ntheir characteristics. The “sales grid” (or “sales comparison grid”) displays a summary of the evidence in support of the appraiser's opinion of\nvalue in the form of market-driven adjustments for differences in characteristics. The section provides space for exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Sales Comparison Approach section is dynamic and may include some or all the following subsections:\n\nPage 276\n\n• General Information (Always displays)\n\n• Project Information (If applicable, or if relevant)\n\n• Site (Always displays)\n\n• Water Frontage with Private Access (If applicable)\n\n• Dwelling(s) (Always displays)\n\n• Energy Efficient and Green Features (If relevant)\n\n• Unit(s) (Always displays)\n\n• Quality and Condition (Always displays)\n\n• Property Amenities (If relevant)\n\n• Vehicle Storage (Always displays)\n\n• Outbuilding (If applicable)\n\n• Summary (Always displays)\n"}
diff --git a/chunks/json/af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579.json b/chunks/json/af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579.json
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index 0000000000000000000000000000000000000000..903fc36daf1f906980b42b64341f81bee9ce0bcd
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+{"chunk":{"char_end":356730,"char_start":355262,"chunk_id":"chk_98da3c4d78a2dc0d","chunk_index":197,"chunk_sha256":"af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"12.0: Reg §1026.38(j)(2) pp. 80125, 80357-8, 80022-23.\n\nAppendix E: UCD Implementation Guide\n\nPage 162 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 – 16.0 Summaries of Transactions - UPDATED\n\n13.0: Reg §1026.38(j)(3) pp. 80125-6, 80358, 80023.\n\nSELLER’S TRANSACTION: Reg §1026.38(k) pp. 80126, 80358, 80023-24; 38(k)(4) pp. 80126, 80025.\n\n14.0: Reg §1026.38(k)(1) pp. 80126, 80024.\n\n15.0: Reg §1026.38(k)(2) pp. 80126, 80358, 80024-25.\n\n16.0: Reg §1026.38(k)(3) pp. 80126, 80025.\n\nAppendix E: UCD Implementation Guide\n\nPage 163 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\n11.0 K. DUE FROM BORROWER AT CLOSING\n\nSection K includes the Sale Price of the Property, the Sale Price of Any Personal Property Included in the Sale,\nthe subtotal of the Closing Costs the Borrower is paying at closing, miscellaneous closing Adjustment items, and\nAdjustments for Items Paid by Seller in Advance.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n11.0 K. Due from Borrower at Closing\n\n0111.1 Sale Price of Property\n\n11.0.1\n\n11.1.1\n\n$252,347.30\n$240,000.00\n\n0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1\n\n0311.3 Closing Costs Paid at Closing (J)\n\n0411.4 Credit Card Balance to Finance Bank\n\n11.5 Adjustments\n\n05 Tenant Security Deposit\n\n06 $500 Principal Reduction for exceeding legal limits\nP.O.C. Lender\n\nAdjustments for Items Paid by Seller in Advance\n\n0811.6 City/Town Taxes 4/15/14 to 4/30/14\n"}
diff --git a/chunks/json/af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863.json b/chunks/json/af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863.json
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index 0000000000000000000000000000000000000000..a17336b1e7223c1947e59380b6d6f8a3ec2cdc7c
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+{"chunk":{"char_end":388387,"char_start":386775,"chunk_id":"chk_caaf6842d6037ab6","chunk_index":227,"chunk_sha256":"af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nT\n\nR\n\nCR\n\nCR\n\nT\n\nR\n\nCR\n\nCR\n\nT\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\n39\n\nSUBJECT\n\n40\n\nSUBJECT\n\nIs the subject property currently\noffered for sale or has it been\noffered for sale in the twelve\nmonths prior to the effective\ndate of the appraisal?\nYes\n\nIs the subject property currently\noffered for sale or has it been\noffered for sale in the twelve\nmonths prior to the effective\ndate of the appraisal?\nNo\n\nListed Within\nPrevious Year\nIndicator\n\nListed Within\nPrevious Year\nIndicator\n\nIndicates that the property has been listed\nwithin the previous twelve (12) months.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP\nreviousYearIndicator=‘Y’]\n\nIndicates that the property has been listed\nwithin the previous twelve (12) months.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP\nreviousYearIndicator=‘N’]\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-39, 1-40\n(values of Listed Within Previous Year\nIndicator) must be indicated.\n\nCR\n\nCR\n\nCR\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nOne and only one of fields 1-39, 1-40\n(values of Listed Within Previous Year\nIndicator) must be indicated.\n\nCR\n\nCR\n\nCR\n\n48\n\n90\n\n1\n\n1\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 83 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n"}
diff --git a/chunks/json/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.json b/chunks/json/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.json
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index 0000000000000000000000000000000000000000..e6f2005d91ac64e8aab22c1bd79ce093a685379d
--- /dev/null
+++ b/chunks/json/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20775,"char_start":19049,"chunk_id":"chk_dac90b6537d67add","chunk_index":4,"chunk_sha256":"af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec","token_estimate":431,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"[]()\n\n- [Home](/)\n - Servicing Management Default Underwriter (SMDU)\n\nApplications & Technology\n\n# Servicing Management Default Underwriter (SMDU)\n\nServicing Management Default Underwriter™ (SMDU™) is an industry leading, multi-prong application used by servicers for loss mitigation evaluation and case reporting activities as well as for evaluating a borrower’s request to terminate conventional mortgage insurance. ​With a variety of business functionalities within one SMDU application, servicers benefit from operational efficiencies, saving time and money, reducing risks, and enhancing service to homeowners.\n\n- **SMDU: Loss Mitigation:** SMDU streamlines workout decisioning and case reporting to Fannie Mae, allowing you to easily make real-time workout decisions with confidence and offer the best solution to struggling homeowners. ​*Available via SMDU User Interface (UI) and/or via B2B integration to SMDU. ​*\n- **SMDU: Loss Mitigation Valuations:** SMDU simplifies the process of ordering a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™ as well as ordering, managing, and retrieving the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale. ​ *AVM ordering available only via SMDU User Interface (UI); Valuation ordering and management available via SMDU UI and API.​​*\n- **SMDU: Borrower-Initiated Request to Terminate Mortgage Insurance:** SMDU makes it easy to evaluate borrower requests to terminate conventional mortgage insurance based on the Original Value and/or Current Value of the property.​ *Available via SMDU User Interface (UI) and APIs.*\n"}
diff --git a/chunks/json/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.json b/chunks/json/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.json
new file mode 100644
index 0000000000000000000000000000000000000000..db50523c4da15fa85d78c7836baf6023d6a35cd0
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+++ b/chunks/json/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28517,"char_start":26846,"chunk_id":"chk_1b7f0fd4b8a2f120","chunk_index":14,"chunk_sha256":"af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613","token_estimate":458,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## 16. Liability\n\nFHFA makes no express or implied warranty, nor assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website or posted on the agency's social media pages. FHFA does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights.\n\n## 17. Questions about Privacy\n\nIf you have questions about FHFA’s privacy policy and information practice, email us at [privacy@fhfa.gov](mailto:privacy@fhfa.gov), or contact us at:\n\nSenior Agency Official for Privacy\nOffice of General Counsel\nFederal Housing Finance Agency\n400 7th Street SW\nWashington, DC 20219\n(202) 649-3803\n\nIf you would like more information about FHFA's Privacy Program, please visit our Privacy Program Webpage at [www.fhfa.gov/privacy](/about/privacy).\n\nLast Reviewed: August 15, 2025\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"}
diff --git a/chunks/json/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.json b/chunks/json/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.json
new file mode 100644
index 0000000000000000000000000000000000000000..77a0b14d7c6b9d7452ac9a91c751d868c0e55b56
--- /dev/null
+++ b/chunks/json/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":489849,"char_start":488216,"chunk_id":"chk_48cd0e3a2216366b","chunk_index":278,"chunk_sha256":"af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The attributes for ROLE name the end points of each relationship. How they work is described within the\nRELATIONSHIP container under DOCUMENT. The RELATIONSHIPS container holds the repeating child container,\nRELATIONSHIP. Each instance of RELATIONSHIP defines a unique linkage between objects in the XML file. For this\nexample, with ten instances of PARTY, (five organizational contacts and five individual contacts) five instances of\nRELATIONSHIP are needed.\n\n23. 0. 1 | 23. 0. 2 DATA POI NTS FOR PART I ES WI TH NMLS I DS\n\nThe data points supporting the provision of this data are shown in the table below, using the Lender column as\nan example. These same data points are repeated with the appropriate values for the Mortgage Broker column\nin the table.\n\nID\n\nForm Field Name MISMO v3.3.0 Context\n\nMISMO v3.3.0\nData Point |\nAttribute Name\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 151. Lender Contact Information\n\nFirst Instance of PARTY (Organization)\n\nLender - Name\n\n…/LEGAL_ENTITY/LEG\nAL_ENTITY_DETAIL\n\nFullName\n\nFicus Bank\n\nLender - Address …/ADDRESS\n\nAddressLineText\n\n4321 Random Blvd.\n\nN/A - XML\n\n…/ROLE\n\nAddressType\n\nMailing\n\nNot shown – Data clarity\n\nCityName\n\nSomecity\n\nStateCode\n\nST\n\nPostalCode\n\n12340\n\n@SequenceNumbe\nr\n\n1\n\n@xlink:label\n\nPARTY1_ROLE1\n\nNot shown -\nrelationships\n\nNot shown -\nrelationships\n\n23.1.1 |\n2.3\n\n23.2.1 |\n2.3\n\nUID\n997.005\n\nUID\n997.006\n\n23.3.1 NMLS ID\n\n…/LICENSE/LICENSE_D\nETAIL\n\nLicenseIdentifier\n\n111111\n\nAppendix E: UCD Implementation Guide\n\nPage 229 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\nTable 151. Lender Contact Information\n\nID\n\nForm Field Name MISMO v3.3.0 Context\n"}
diff --git a/chunks/json/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.json b/chunks/json/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.json
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index 0000000000000000000000000000000000000000..dce5f1f5932229a97af4afe352489b98aa1b5810
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+++ b/chunks/json/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.json
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+{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_12c0396728bfb842","chunk_index":0,"chunk_sha256":"af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f095660b2a4ef4ba","text_sha256":"af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/News_Releases___FHFA_ghc8ke.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/news-release\"\ndate_accessed: \"2026-01-27T17:47:50.514Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.json b/chunks/json/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.json
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index 0000000000000000000000000000000000000000..e4e2139b23b315856528bd86f25bddf46d7cf329
--- /dev/null
+++ b/chunks/json/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6471,"char_start":4852,"chunk_id":"chk_5b8986d3cf4e69d2","chunk_index":3,"chunk_sha256":"af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"14568 Generic Rd\nOut There, VA 56789\nFabricated\nNeighborhood\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n1\nNo\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\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 3 of 23\n\nSubject Property (continued)\n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nUnreal Farms-2 S.2 PCL.234200121102003 Z-495-2\n\nSubject Property Commentary\n\nTax Map ID: 2002-16-926997/A018821\n\nSite\n\nTotal Site Size\n\n14.19 Acres\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nZ-495-2\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n14.19 Acres\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nRA-10\n Residential-Agricultural\n10+ Acres\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\nSite Influence\n\nInfluence\nAgricultural\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nPastures and crop lands\n\nView and Impact to Value/Marketability\n\nView\nPastoral\n\nRange of View\nFull\n\nImpact\nBeneficial\n\nView Commentary Pastoral with distant mountain view.\n\nSite Features and Impact to Value/Marketability\n"}
diff --git a/chunks/json/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.json b/chunks/json/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.json
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index 0000000000000000000000000000000000000000..a084cb3c7721777b0170e2e9bd8d2eba98f53bd1
--- /dev/null
+++ b/chunks/json/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55515,"char_start":53907,"chunk_id":"chk_0afe0b1c3bdb0385","chunk_index":31,"chunk_sha256":"af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Page 28 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Certifications and Intended Use / User\n\n09 Certifications and Intended Use / User\n\nThe Certifications and Intended Use / User section always displays. It contains a combination of:\n• Predefined text that always displays (not addressed in this document)\n• Dynamic predefined text (e.g., text for government agency reports, Appraiser Cert 6)\n• Free-form text (e.g., additional appraiser or supervisory certifications)\n\nFor all possible Certifications and Intended Use / User text that may display on the Completion Report, see\nAppendix C-3: Completion Report with Report Field IDs (09.001-09.036).\n\nIntended Use\n\nThe Intended Use subsection always displays.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n09.002\n09.003\n\nAdditional\nIntended Use\n\nWhen applicable for\nFHA, VA, or USDA\n(08.004)\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nAdditional Intended Use Text\nNote: Additional Intended Use cannot be contrary to, and should not repeat,\nany of the predefined text.\n\nIntended Use\n\nIntended User\n\nThe Intended User subsection always displays and must match what was in the original appraisal.\n\nReport\nField ID\n\n09.005\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Users\n\nFHA and the\nMortgagee …\n\nPredefined text that\ndisplays for purchases\nand refinances when\nGovernment Agency\nType (08.004) is FHA\n\n09.005 The USDA and … Predefined text that\n\ndisplays when\nGovernment Agency\nType (08.004) is USDA\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 29 of 33\n"}
diff --git a/chunks/json/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.json b/chunks/json/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.json
new file mode 100644
index 0000000000000000000000000000000000000000..64a03f6968a2a9ac3ed548f91e94098c46735260
--- /dev/null
+++ b/chunks/json/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":762536,"char_start":760754,"chunk_id":"chk_3e8211978cc39450","chunk_index":454,"chunk_sha256":"af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83","token_estimate":446,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Deferred Maintenance\n\nLack of normal maintenance and upkeep that may result in repairs or replacement of items.\n\nDwelling\n\nExtraordinary Assumption\n\nFinished Area\n\nAny building containing living unit(s) designed to be used as residence(s). A portion of the dwelling may also contain\nADU(s).\n\nAn assumption as of the effective date of the appraisal results, which, if found to be false, could alter the appraiser’s\nopinions or conclusions. In essence, an extraordinary assumption is what the appraiser assumes to exist (e.g., evidence\nof termite infestation).\n\nWhether above or below grade, an area is considered finished when it is enclosed, suitable for year-round living, and\nmeets locally accepted standards. Reference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\nFloor Plan\n\nA visual representation or diagram that shows the interior and exterior walls, doors, and stairs of a dwelling.\n\nHypothetical Condition\n\nA condition that is contrary to what is known by the appraiser to exist on the effective date of the assignment. The\nhypothetical condition is used to value the collateral as if the condition has been met (e.g., subject to completion or\nrepair).\n\nLookback Period\n\nThe number of months back from the appraisal effective date that the appraiser used to analyze and report on sales.\n\nMarket Value Condition\n\nIndicates whether the appraised value is As Is, or subject to one of the following conditions:\n•\n•\n•\n\nSubject to Completion Per Plans\nSubject to Inspection\nSubject to Repair\n\nNew Construction\n\nAll dwellings on the property are 100% newly constructed, including the foundation, were completed in the past 12\nmonths, have never been occupied, and exhibit no signs of wear or use.\n"}
diff --git a/chunks/json/afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae.json b/chunks/json/afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae.json
new file mode 100644
index 0000000000000000000000000000000000000000..3741001543f225b2b9fe04d21934de5271610de4
--- /dev/null
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+{"chunk":{"char_end":8843,"char_start":7086,"chunk_id":"chk_f6a17e5f1ba4cafb","chunk_index":4,"chunk_sha256":"afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_94bbea163ab9eeea","text_sha256":"afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_ynuuo6.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n# Research\n\n- NMDB Staff Working Papers\n\nMarch 14, 2018\n\n## [NMDB Staff Working Paper 18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience in the United States: Evidence from the National Survey of Mortgage Originations](/research/papers/nmdb-wp1802)\n"}
diff --git a/chunks/json/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.json b/chunks/json/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.json
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--- /dev/null
+++ b/chunks/json/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":346958,"char_start":345351,"chunk_id":"chk_200c7bebbe2bb768","chunk_index":200,"chunk_sha256":"afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Comparable 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\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\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 There were no prior sales or transfers of the comparable sales within the\nlast 12 months.\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 11 of 20\n\nPG BRK\n\nPG BRK\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n123 Anywhere St\nSomecity, TN 12345\n\n42 Forest Ln\nSomecity, TN 12345\n\n542 New East St\nSomecity, TN 12345\n\n7525 New South Hwy\nSomecity, TN 12345\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nThis is where the\nComparable 1 photo\nwould display.\n\nMLS 124523 | Assessor Record MLS 123453 | Assessor Record MLS 178643 | Assessor Record\n\n3 Miles SE\n\n$340,000\n\nSettled Sale\n\n—\n\n$325,000\n\n$0\n\n$0\n\nNo\n\n09/15/2021\n\n11/01/2021\n\n42\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n\nDetached\n\nNo\n\n12/05/2021\n\n02/15/2022\n\n86\n\nDetached\n\n14,000 Sq. Ft.\n\n22,216 Sq. Ft.\n\n$(20,540)\n\n13,939 Sq. Ft.\n\n4 Miles NW\n\n$229,999\n\nSettled Sale\n\n—\n\n$219,950\n\n$0\n\n$0\n\n$0\n\n$0\n\n5 Miles S\n\n$265,000\n\nSettled Sale\n\n—\n\n$247,000\n\n$0\n\n$0\n\nNo\n\n11/15/2021\n"}
diff --git a/chunks/json/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.json b/chunks/json/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.json
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index 0000000000000000000000000000000000000000..ff7cae38a6a0e3c446faa23b8ec3dd2ed9aa1842
--- /dev/null
+++ b/chunks/json/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.json
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+{"chunk":{"char_end":147541,"char_start":145802,"chunk_id":"chk_c2eb6198f8f6d1c3","chunk_index":86,"chunk_sha256":"afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Contract Date\n\nSale Date\n\nDays on Market\n\nMLS M51774\n\n0.51 Miles NW\n\n$769,000\n\nActive\n\n—\n\n—\n\n—\n\n—\n\n—\n\n2\n\n—\n\n—\n\n—\n\n—\n\n—\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAttached\n\nFee Simple\n\nAttached\n\nFee Simple\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nThe MI5\n\n$604\n\n$(40,000)\n\nThe XYZ | No\n\n$828\n\nCommon Amenities/Services\n\nBuilt-in Pool | Inground\nSpa | Unit Storage\n\nFitness Area | Inground Pool |\nInground Spa | Unit Storage\n\nSpecial Assessments\n\nExisting\n\nNone\n\nSite\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nStructure Design\n\nHeating\n\nCooling\n\nUnits\n\nFloor Number\n\nCorner Unit\n\nBedrooms\n\nBaths - Full | Half\n\nEastwood\n\nEagle Hills\n\n$0\n\nResidential | Full\n\nSkyline | Partial\n\n$(10,000)\n\n1973\n\nMid-rise\n\n1973\n\nMid-rise\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n\nCentralized\n\nCentralized\n\n2\n\nNo\n\n2\n\n2 | 0\n\n$0\n\n3\n\nNo\n\n2\n\n1 | 0\n\n$10,000\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,092 Sq. Ft.\n\n958 Sq. Ft.\n\n$40,000\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nInterior Quality and Condition\n\nQuality\n\nKitchen\n\nQ4\n\nQ4\n\nQuality components\n\nQuality components\n\nOverall Bathrooms\n\nDecorative tiling and finishes\n\nDecorative tiling and finishes\n\nOverall Flooring\n\nWool carpeting\n\nQuality carpeting\n\nCondition\n\nKitchen\n\nOverall Bathrooms\n\nOverall Flooring\n\nC3\n\nFully Updated\n\nFully Updated\n\nC3\n\nFully Updated\n\nFully Updated\n\nSignificantly Updated\n\nSignificantly Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n"}
diff --git a/chunks/json/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.json b/chunks/json/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.json
new file mode 100644
index 0000000000000000000000000000000000000000..aca614b06398326ae26829114b6352094d5a5ef6
--- /dev/null
+++ b/chunks/json/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":203693,"char_start":201954,"chunk_id":"chk_58fdf4de445e51f9","chunk_index":114,"chunk_sha256":"afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Remaining Economic Life\n\nThe Uniform Residential Appraisal Report (URAR) is designed to meet the needs of different user groups; consequently, the report\nmay contain data that is not required by Fannie Mae, including the remaining economic life for the property being appraised. If\nthe appraisal report includes this information, lenders are not required to consider the remaining economic life as part of their\nreview.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 82 of 166\n\nUAD 3.6 Policy\n\nEnergy-Efficient and Green Features\n\nAn energy-efficient property is one that uses resource-effective design, materials, building systems, and site orientation to\nconserve nonrenewable fuels.\n\nSpecial energy-saving items must be recognized in the appraisal process and noted on the appraisal report within the Energy-\nEfficient and Green Features sections. The nature of these items and their contribution to value will vary throughout the country\nbecause of climactic conditions, differences in utility costs, and overall market reaction to the cost of the feature. Some examples\nof energy-efficient and green features may include, but are not limited to, energy-efficient ratings or certifications, programmable\nthermostats, solar photovoltaic systems, solar panels, low-e windows, insulated ducts, and tank-less water heaters.\n\nAppraisers must compare energy-efficient features of the subject property to those of comparable properties in the Sales\nComparison Approach adjustment grid. Appraisers may augment the Sales Comparison Approach in evaluating any impact\n(either positive or negative) to the value of energy efficiency items with either the income or cost approach; however, appraisers\ncannot adjust the value of the property\n"}
diff --git a/chunks/json/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.json b/chunks/json/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.json
new file mode 100644
index 0000000000000000000000000000000000000000..fcbbc0021eca067fe25fc864d73dc8919fafd572
--- /dev/null
+++ b/chunks/json/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.json
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+{"chunk":{"char_end":475998,"char_start":473191,"chunk_id":"chk_e04093e69b4e4222","chunk_index":357,"chunk_sha256":"afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6","token_estimate":702,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this\nappraisal is unauthorized and I will take no responsibility for it.\nI identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\nordered and will receive this appraisal report.\nI am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client\nmay be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of\nProfessional Appraisal Practice that pertain to disclosure or distribution by me.\nThe lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the\nborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other\nsecondary market participants; data collection or reporting services; professional appraisal organizations; any department,\nagency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions. Any of the\nforegoing persons or entities who receive this appraisal report may choose to store, copy, reproduce, analyze, use and\ndistribute the data in the appraisal report for internal or external purposes without having to obtain the appraiser's or\nsupervisory appraiser's (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or\nother media). A person or entity who receives a copy of an appraisal report does not become an intended user, unless the\nappraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) shall have no\nliability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which\nthis appraisal report was prepared.\nThe borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage\ninsurers, government sponsored enterprises, and other secondary market participants may choose to rely on this appraisal\nreport as part of any mortgage finance transaction that involves any one or more of these parties. A person or entity who\nreceives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as an\nintended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal\nreport not related to the mortgage finance transaction and related activities for which this appraisal report was prepared.\n"}
diff --git a/chunks/json/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.json b/chunks/json/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.json
new file mode 100644
index 0000000000000000000000000000000000000000..f92a04acb32f88be4e1a91dc186215ff77718d05
--- /dev/null
+++ b/chunks/json/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8813,"char_start":7215,"chunk_id":"chk_f52e2ae8cf65e47a","chunk_index":4,"chunk_sha256":"afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"When DU can identify that the borrower's existing mortgage loan is a Fannie Mae loan, the lender will no longer need to document\nthat the loan being refinanced is currently owned by Fannie Mae for LTV ratios over 95% and certain condo transaction eligible for\na waiver of the project eligibility review.\n\nArea Median Income Limit Message\n\nThe message that specifies the Area Median Income (AMI) for the area in which the property is located will be updated to also\ninclude the version of the AMI used by DU. For example, if the loan casefile was created on or after May 19, 2024, the 2024 AMI will\nbe used and “2024” will be shown in the message; if created prior to May 19, 2024, “2023” will be shown in the message as the AMI\nfile used.\n\nUpdates to Align with the Selling Guide\n\nTemporary Interest Rate Buydowns\n\nSelling Guide Announcement SEL-2024-05 clarified what is considered a moderate interest rate buydown. A new message will be\nissued on loan casefiles with temporary interest rate buydowns reminding lenders what is considered a moderate interest rate\nbuydown, what is considered a significant interest rate buydown, and what Special Feature Code (SFC) should be provided at\nloan delivery in each case.\n\nLeasehold Provisions\n\nSelling Guide Announcement SEL-2024-07 revised and clarified requirements for properties subject to leasehold estates. The\nmessage issued on loan casefile for leasehold estates will be updated to remind lenders to verify that the unexpired term of the\nground lease exceeds the maturity date of the loan by five years or more.\n\nManufactured Homes Project Review\n"}
diff --git a/chunks/json/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.json b/chunks/json/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.json
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index 0000000000000000000000000000000000000000..f8932537dc2e3d9c8db7950a640dab8d211de729
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+++ b/chunks/json/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.json
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+{"chunk":{"char_end":39287,"char_start":38596,"chunk_id":"chk_a6971d315789b81b","chunk_index":58,"chunk_sha256":"afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c","token_estimate":468,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Quality and Condition .............................................................................................................................................................................................................. 184\n\nAccessibility Features for Individuals with Disabilities ............................................................................................................................................................. 191\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 14\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]) ....................................................... 193\n"}
diff --git a/chunks/json/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.json b/chunks/json/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.json
new file mode 100644
index 0000000000000000000000000000000000000000..0205fc6343363816eb630ce3a1c10c66404ca548
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+++ b/chunks/json/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.json
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+{"chunk":{"char_end":126911,"char_start":125305,"chunk_id":"chk_64f0848755961519","chunk_index":121,"chunk_sha256":"afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Commentary on Remaining Economic Life” sets as TXC-B (bold lead in to Myriad Pro Regular\ntext) X 45 picas\n\n“Commentary on Effective Age” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45\npicas\n\nDepreciated Cost – Outbuilding – [Outbuilding Type] (H1)\n\nIn the H1, brackets do not set, they indicate a placeholder.\n\nDepreciated Cost of Outbuilding table\n\nSet 3 column table x 28 picas 6 points\n\n• Column 1:\n\n9 picas 8 points wide (~39 characters max, per line, per cell)\n\n• Column 2:\n\n14 picas 4 points wide (~56 characters max, per line, per cell)\n\n• Column 3:\n\n4 picas 6 points wide (~17 characters max, per line, per cell)\n\n• Total cells:\n\n4 picas 6 points wide (~17 characters max, per line, per cell)\n\nDEPRECIATED COST OF OUTBUILDING TABLE\n\n• Content in table sets as TB, Total sets as TB_sub-H1-R\n\nAppendix E: Report Style Guide\n\nPage 71 of 90\n\nVersion 1.4\n\n• First column entries as needed: [Area Type], “Physical Depreciation,” “Functional\n\nDepreciation,” “External Depreciation,” “Total Depreciation,” “Manufactured Home Delivery,\nInstallation, and Set Up”\n\n•\n\n“Total” sets TB_sub-H1-R, in white type\n\no 4p6 (~17 characters max, per line, per cell)\n\nAs Is Value of Site Improvements (H1)\n\nAs Is Value of Site Improvements table\n\n• Set 2 column table x 28 picas 6 points.\n\n•\n\n“Description” and “Amount” set as TCH.\n\n• Column 1: 24 picas 0 points wide (~96 characters max, per line, per cell)\n\n• Column 2:\n\n4 picas 6 points wide (~17 characters max, per line, per cell)\n\nAS IS VALUE OF SITE IMPROVEMENTS TABLE\n\n• Content in table sets as TB,\n\n•\n\n“Total” sets as TB_sub-H1-R in white type\n"}
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index 0000000000000000000000000000000000000000..14382ab0c41eb64e09b22f3168979788eceefdb9
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+{"chunk":{"char_end":281398,"char_start":279775,"chunk_id":"chk_d8a9c123d94fa831","chunk_index":162,"chunk_sha256":"afe56acbcf0553bfd940a18eb8a77b3daf7cefa18a25fe934a801a8a0621a288","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"afe56acbcf0553bfd940a18eb8a77b3daf7cefa18a25fe934a801a8a0621a288","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"set up\n\nSite (continued)\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Commentary\n\nThe subject’s site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site\nwhere the improvements are.\n\nSite Exhibits\n\nNon-Residential Use - Agricultural - Barn\n\nProperty Access (Street Scene)\n\nSite Influence - Water Frontage - View - Lake Virginia\n\nSite Influence - View - Power Lines\n\nPermanent Waterfront Feature - Dock\n\nPermanent Waterfront Feature - Pier\n\nThis is where the Dock photo would display.\n\nThis is where the Pier photo would display.\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 5 of 30\nPage 5 of 30\n\nSite (continued)\n\nView - Woods\n\nThis is where the Woods photo would display.\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 6 of 30\nPage 6 of 30\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\n3-4 Ft.\n2019\nManufactured\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.json b/chunks/json/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.json
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index 0000000000000000000000000000000000000000..d79cc7e15ed8dcd35b1b9e88c13eb49c958bb8b4
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+++ b/chunks/json/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.json
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+{"chunk":{"char_end":4440,"char_start":3149,"chunk_id":"chk_432735952c3bf5b2","chunk_index":2,"chunk_sha256":"b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c20c5dcd6adb62af","text_sha256":"b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f","token_estimate":366,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Housing_Finance_Agency___OIG_plw6tp.md"]},"text":"[**Florida Woman Sentenced For Role In Mortgage Fraud Conspiracy** - 11/14/2025](/sites/default/files/Florida-Woman-Sentenced-For-Role-In-Mortgage-Fraud-Conspiracy.pdf)\n\n[![OIG Hotline](/sites/default/files/OIG-hotline.png)](ReportFraud)\n\n![image](/sites/default/files/FY%202024%20Convictions%20blank%20copy_0.jpg)\n\n## Footer\n\n- [FHFA.gov](https://www.fhfa.gov)\n - [Accessibility](/accessibility-and-section-508-compliance)\n - [Contact Us](/contact-us)\n - [Media and Press Inquiries](/media-and-press-inquiries)\n - [Privacy Program](/privacy)\n - [Plain Writing Act](/PlainWritingAct)\n - [Vulnerability Disclosure Policy](/vulnerability-disclosure-policy)\n - [Freedom of Information Act (FOIA)](/FOIA)\n - [Oversight.gov](https://www.oversight.gov/)\n - [USA.gov](https://www.usa.gov)\n - [The White House](https://www.whitehouse.gov)\n - [Notices](/Notices)\n - [Digital Government Strategy](/digitalstrategy)\n - [Open Government](/open-government)\n - [Information Quality](/informationquality)\n - [No FEAR Act](/No-Fear-Act)\n - [Prohibited Personnel Practices](/Prohibited-Personnel-Practices)\n - [Multilingual Content](/multilingual-content)\n - [Small Business Paperwork Relief Act of 2002](/SmallBusinessPaperworkReliefAct2002)\n\n400 Seventh Street, SW Washington, DC 20219 (202) 730-0880\n"}
diff --git a/chunks/json/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.json b/chunks/json/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.json
new file mode 100644
index 0000000000000000000000000000000000000000..f26c42cb18ba4ffb7d4f84a81b2e475de8ce2783
--- /dev/null
+++ b/chunks/json/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11011,"char_start":9068,"chunk_id":"chk_88b99dc3e91edf50","chunk_index":8,"chunk_sha256":"b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Requirement\nThe UCD file has been updated to add “Enact” as a valid value for\nMICompanyNameTypeOtherDescription (UID 3.029). This change became effective for Enact-insured\nloans delivered to Fannie Mae on and after February 17, 2022, and for Enact-insured loans delivered to\nFreddie Mac on and after February 11, 2022. Both GSEs will continue to accept the old value\n“Genworth” in the UCD files. However, on June 27, 2022 (Fannie Mae) and August 1, 2022 (Freddie\nMac), UCD files containing the “Genworth” value will receive warning messages.\n\nUCD XPath: Enact should be provided as follows in the UCD file:\n\n…/LOAN\n\nMI_DATA\n\nMI_DATA_DETAIL\n\n<mismo:MICompanyNameType>Other</mismo:MICompanyNameType\n<mismo:MICompanyNameTypeOtherDescription>Enact</mismo:MICompanyNameTypeOther\nDescription>\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nAddition of Valid Values for Taxes and Other Government Fees\nOverview\nThe GSEs continue to collaborate on the development and implementation of the Phase 3 UCD Critical\nEdits. As we reviewed section E. Taxes and Other Government Fees on Closing Disclosures (CDs) and\nin accompanying UCD files, we frequently saw usual and customary recording fees, transfer taxes and\nother government fees that are not currently supported by UCD v1.5. Today, when these values are\ndelivered in FeeType in the UCD file, warning edits may fire but the loan can still be delivered to the\nGSEs. With the Phase 3 implementation these values would have triggered critical edits even though\nthey are legitimate charges for the closing process. To prevent this from happening, we are expanding\nthe UCD-supported enumerations for CD Section E. Taxes and Other Government Fees.\n"}
diff --git a/chunks/json/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.json b/chunks/json/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.json
new file mode 100644
index 0000000000000000000000000000000000000000..a4aa5de0f8b119fd24bd94f96f3a1e8ef4becac4
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+++ b/chunks/json/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":137766,"char_start":136105,"chunk_id":"chk_142c7f14076cb5df","chunk_index":159,"chunk_sha256":"b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1000.0173\n\nSuffixName\n\nDisplay when provided when the seller is an individual\n\n1000.0116\n\nPartyRoleType\n\nDisplay when PartyRoleType = “PropertySeller” and is a legal entity\n\n1000.0020\n\nFullName\n\nDisplay when the seller is a legal entity\n\nCurrent Owner of Public Record\n\nThere must be at least one instance of Current Owner of Public Record - PartyRoleType = “PropertyOwner”.\n\nThe XML formation and applicable rows in the UAD Specification will vary depending on whether the Current Owner of Public Record:\n\nA. Matches the Borrower Name, such as for some refinance transactions, or\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nB. Matches the Seller Name, or\nC. Does not match the Borrower and/or Seller Name\n\nFor A and B, the vendor should send multiple ROLEs for the PARTY instead of repeating the PropertyOwner instance of PARTY with the\nexact same information. Reference the PARTY Element and ROLE Element sections for more information.\n\nPage 81\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 82\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name Display Rules\n\nAssignment Information: General Information – Current Owner of Public Record\n\n1000.0182\n\nPartyRoleType\n\n1000.0183\n\nPartyRoleType\n\n1000.0184\n\nPartyRoleType\n\n2.003\n\nCurrent Owner of\nPublic Record\n\n1000.0185\n\nPartyRoleType\n\nFor Case A when the borrower/property owner is an individual, populate with\n“PropertyOwner”\n\n−\n\nRedisplay the Borrower Name (2.001) in Current Owner of Public Record (2.003).\n\nFor Case A when the borrower/property owner is a legal entity, populate with\n“PropertyOwner”\n\n−\n\nRedisplay the Borrower Name (2.001) in Current Owner of Public Record (2.003).\n"}
diff --git a/chunks/json/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.json b/chunks/json/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.json
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index 0000000000000000000000000000000000000000..60fbc32313dac5309f6db6a820a2756b12532172
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+++ b/chunks/json/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8807,"char_start":7180,"chunk_id":"chk_385891e70d6042a2","chunk_index":4,"chunk_sha256":"b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"One new edit related to Loan program\n\nOne new edit related to Mission Index\n\n• 1 new edit with severity Warning to Fatal\n\n• 1 new edit with severity Observational\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nJul 22\n\nULDD Ph 5\n\nVersion\n\nDescription\n\nTo support the second implementation of ULDD phase 5,\nEarlyCheck will introduce\n\n• New informational edits around Appraisal, Condo\nProject Manager (CPM), Remote Notarization\nIndicator, and MERS status.\n\n• 4 edits related to Unit Data will move to Fatal\n\nFor more information, see the ULDD webpage.\n\nFile\nType\n\nImpact\n\n• 12 new informational edits\n• 4 edits with severity change to fatal\n\nJul 22\n\nEdit Updates\n\n7.6.16\n\n4 edits related to credit score will move to Fatal\nNew edits related to income, Lien type and Loan program\n4 edits related to Unit data will move to fatal\n\nULAD-\nMISMO 3.4\n\n• 4 edits with severity change\n• 6 new Warning edits\n• 4 edits with severity change\n\nULDD Phase 5 edits – see above for details\n4 edits related to credit score will move to Fatal\nNew edits related to income, Lien type and Loan program\n4 edits related to Unit data will move to fatal\n\nULDD-\nMISMO 3.0\n\n• 12 new informational edits\n• 4 edits with severity change\n• 6 new Warning edits\n• 4 edits with severity change\n\nULDD-\nMISMO 3.0\n\n• 1 Observational Edit\n\nULDD-\nMISMO 3.0\n\n• 2 new fatal edits\n\nWe have implemented eligibility checks in EarlyCheck to\nhelp lenders identify loans that have an eligible green\nbuilding certification. EarlyCheck will return an\nobservational message informing lenders if the loan and\nunderlying property have met Green Program eligibility\nrequirements.\n"}
diff --git a/chunks/json/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.json b/chunks/json/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.json
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+++ b/chunks/json/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.json
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+{"chunk":{"char_end":9725,"char_start":7532,"chunk_id":"chk_4aa1bac4dcd7ea22","chunk_index":11,"chunk_sha256":"b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88","token_estimate":548,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Updated Chapter 6: Form Header, 1a, L4\nFAQs: Updated 8, 10, 13, 21, 23, 25 and added 11\nnew.\nFAQs: Updated 13, 21, 23, 25 New 14, 15, 22, 26,\n27, 28\nUpdated Section 5: Declarations\nUpdated Chapter 6: 1b, 1d, 3a, 4c, 5ab, 7, L1, L4\n\nUpdates related to the new Fannie Wrapper and\nassociated links; Updates to FAQs; and a few minor\ntypos corrected\n\nOctober 2, 2018\n\nAugust 29, 2017\n\n2.0\n\n1.0\n\nUpdate of all sections\n\nInitial publication\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n3\n\nChapter 1: Introduction\n\nThis chapter includes the following topics:\n\nIntroduction\n\n▪\n▪ Purpose of document\n▪ Document organization\n▪ Before You Start\n\nIntroduction\nFannie Mae and Freddie Mac (the GSEs), in an effort to promote further alignment in the mortgage industry,\nhave developed the Uniform Loan Application Dataset (ULAD), a common dataset, in support of the\nredesigned Uniform Residential Loan Application (URLA). The ULAD Mapping Document maps each\nredesigned Form 1003 field to a corresponding Mortgage Industry Standards Maintenance Organization\n(MISMO®) v3.4 data point. MISMO, a subsidiary of the Mortgage Bankers Associates (MBA), has\ndeveloped a data standard for the exchange of mortgage related data aimed at reducing costs and increasing\ntransparency. Leveraging the MISMO standard, Fannie Mae has developed and published the updated data\nrequirements specification for Desktop Underwriter® (DU®), referred to as the DU Specification (DU Spec),\nwhich includes the ULAD and additional information to support data collection for Conventional, FHA,\nand VA loans.\n\nPurpose\nThe DU Spec is intended to serve as the requirements for business and technical organizations to create the\nnew DU Loan Application Submission files based on the MISMO v3.4 Reference Model. The DU Spec\nprovides an overview of the data architecture, including reference information about the allowable\nstructures, sequence, values, conditionality, and format of the DU Loan Application Submission files.\nThis document, the Desktop Underwriter Specification Implementation Guide, provides additional\nsupporting information for business and technical organizations as they implement the new DU Spec.\n"}
diff --git a/chunks/json/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.json b/chunks/json/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.json
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index 0000000000000000000000000000000000000000..dbdee5eca3d9ca4109f3046b7642ab8e3a87a511
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+++ b/chunks/json/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3248,"char_start":1621,"chunk_id":"chk_16f9981281cfe61b","chunk_index":1,"chunk_sha256":"b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a","date_utc":"2026-01-27T17:46:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34b0154c2ba22867","text_sha256":"b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/links/_.pdf/uad-infographic.pdf"]},"text":"Summary_SFS1_mv24_sv46\nUniform Residential Appraisal Report\n\nSummary\n\nOpinion of Market Value\nMarket Value Condition\nSales Contract Price\nBorrower Name\n\nCurrent Owner of Public Record\nAssignment Reason\nListing Status\n3 Year Transfer History\n\n$490,000\nSubject to Repair\n$489,000\nMary Jones\nMichael Jones\nJane Doe\nPurchase\nPending\nNo\n\nPage 1 of 1\n\n123 Fallen Oak Court, Smallville, VA 12345\n\nAppraisal Report Effective Date\nAppraiser Name\nLender\nAppraisal Management\nCompany (AMC)\n\n09/20/2019\nAmy Allen\nDEF Bank (Client)\n\nABC Appraisal Co.\n\nProperty Description\nAttachment Type\nOverall Quality\nOverall Condition\nProject Type\nPlanned Unit Development (PUD) Yes\nConstruction Method\nParcels\nProperty Rights Appraised\nUnits\nAccessory Dwelling Unit\nProperty Restriction\n\nDetached\nQ4\nC4\nNone\n\nSite Built\n1\nFee Simple\n1\n0\nNone\n\nApparent Defects, Damages, Deficiencies\n\nFeature\nDwelling\n\nRoof\n\nLocation\n\nComment\n\nAffects Livability or\nStructural Integrity\n\nRecommended\nAction\n\nEstimated Cost\nto Repair\n\nSection of roof\n\nFlashing is missing on one side of the\nhouse which could cause leaks from\nthe roof.\n\nYes\n\nRepair\n\nTotal Cost\n\n$500\n\n$500\n\nSales Comparison Summary\n\nFor details, reference the Sales Comparison Approach section.\n\nPage 1 of 3\n\nProperty Address\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n123 Fallen Oak Ct.\nSmallville, VA 12345\n\n241 Rapid Creek Ln.\nSmallville, VA 12345\n\n188 Fallen Oak Ct.\nSmallville, VA 12345\n\n210 Cannon Ball Rd.\nSmallville, VA 12345\n\nComparable #1\n\n241 Rapid Creek Ln.\nSmallville VA 12345\n\nProximity to Subject\n\nSite Size\n\nFinished Area Above\nGrade (GLA)\nFinished Area Below Grade\n"}
diff --git a/chunks/json/b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e.json b/chunks/json/b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e.json
new file mode 100644
index 0000000000000000000000000000000000000000..b98f0bdc0a7bdaa56d97bc9e3830d9ee1a6adc2e
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+{"chunk":{"char_end":33297669,"char_start":0,"chunk_id":"chk_82037fe452325c01","chunk_index":0,"chunk_sha256":"b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e","date_utc":"2026-01-27T18:13:12+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_ba8f849eb39e827e","text_sha256":"b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e","token_estimate":1622,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_sf_nfa/2024_Enterprise_SF_NFA/fnma_sf2024a_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"1 10000001 0 2 2 1 1 1 4 5 9 2 5 1 3\n1 10000002 1 2 3 3 5 8 4 5 5 2 2 1 4\n1 10000003 1 3 1 2 2 1 4 7 9 1 5 1 1\n1 10000004 1 2 3 3 3 1 4 5 5 2 1 1 4\n1 10000005 1 2 2 2 5 1 4 9 9 3 5 1 4\n1 10000006 1 3 1 2 4 1 4 5 9 1 5 1 1\n1 10000007 1 2 1 2 5 1 4 5 7 1 2 1 1\n1 10000008 1 2 3 3 2 8 4 5 9 1 5 1 4\n1 10000009 1 2 3 3 2 8 4 5 9 2 5 1 4\n1 10000010 0 1 2 3 1 8 4 5 5 1 2 1 4\n1 10000011 1 2 3 3 1 8 4 5 5 1 2 1 4\n1 10000012 1 3 1 2 4 1 4 5 9 1 5 1 1\n1 10000013 1 2 2 1 1 1 4 5 5 1 2 1 3\n1 10000014 1 1 2 3 1 8 4 5 9 1 5 1 4\n1 10000015 1 1 2 3 1 8 4 9 9 3 5 1 4\n1 10000016 1 3 1 3 1 1 4 5 5 1 2 1 4\n1 10000017 1 3 1 3 4 1 4 9 9 3 3 1 4\n1 10000018 1 2 3 3 3 1 4 5 9 2 5 1 4\n1 10000019 1 3 3 3 2 1 4 2 9 1 5 1 4\n1 10000020 1 2 1 2 2 8 4 5 9 1 5 1 1\n1 10000021 1 3 2 3 2 1 4 7 7 2 1 1 4\n1 10000022 1 2 3 3 3 1 4 5 5 1 2 1 4\n1 10000023 1 2 3 3 4 1 4 5 9 1 5 1 4\n1 10000024 1 3 1 3 3 1 4 3 9 2 5 1 4\n1 10000025 1 2 2 3 5 1 4 5 5 1 2 1 4\n1 10000026 1 2 1 2 5 1 4 9 9 3 5 1 1\n1 10000027 1 2 2 2 5 1 4 2 9 1 5 1 4\n1 10000028 1 2 2 3 5 1 4 5 9 2 5 1 4\n1 10000029 1 3 3 3 2 1 4 5 5 2 1 1 4\n1 10000030 1 2 2 3 2 1 4 5 9 1 5 1 4\n1 10000031 1 3 3 3 3 1 4 5 5 1 1 1 4\n1 10000032 1 2 3 3 1 1 4 5 5 1 2 1 4\n1 10000033 1 2 2 3 2 1 4 5 9 1 3 1 4\n1 10000034 1 2 2 2 5 8 4 5 9 1 5 1 4\n1 10000035 1 2 2 3 2 1 4 5 5 2 1 1 4\n1 10000036 1 3 1 2 4 1 4 3 3 1 2 1 1\n1 10000037 1 3 2 2 1 8 4 5 5 2 1 1 4\n1 10000038 1 2 2 3 2 8 4 5 5 2 1 1 4\n1 10000039 1 3 3 3 2 1 4 9 9 3 5 1 4\n1 10000040 1 2 2 3 1 1 4 7 5 1 2 1 4\n1 10000041 1 2 2 2 3 1 4 5 9 1 5 1 4\n1 10000042 1 2 2 3 2 8 4 9 9 1 2 1 4\n1 10000043 1 3 2 3 2 1 4 9 9 3 5 1 4\n1 10000044 1 2 1 2 4 1 4 5 9 1 5 1 1\n1 10000045 1 1 2 3 2 1 4 5 5 1 2 1 4\n1 10000046 1 2 3 2 1 8 4 5 9 1 5 1 4\n1 10000047 1 3 2 3 5 1 4 9 9 2 1 1 4\n1 10000048 1 2 3 3 3 1 4 5 5 1 2 1 4\n1 10000049 1 3 1 1 4 1 4 5 9 2 5 1 2\n1 10000050 1 3 2 3 1 1 4 7 9 1 5 1 4\n1 10000051 1 2 2 3 5 1 4 5 9 2 5 1 4\n1 10000052 0 1 2 2 3 1 4 5 9 1 5 1 4\n1 10000053 1 2 2 3 3 1 4 5 5 1 2 1 4\n1 10000054 1 2 2 2 1 1 4 5 9 2 5 1 4\n1 10000055 1 3 1 2 1 8 4 5 9 2 5 1 1\n1 10000056 1 3 2 3 4 1 4 7 7 2 1 1 4\n1 10000057 1 2 2 3 2 1 4 5 9 1 5 1 4\n1 10000058 1 3 1 3 3 1 4 9 9 1 5 1 4\n1 10000059 0 2 2 2 4 1 4 5 9 2 5 1 4\n1 10000060 1 3 2 3 1 8 4 3 9 1 3 1 4\n1 10000061 1 3 2 3 3 1 4 5 5 2 1 1 4\n1 10000062 1 2 3 3 2 1 4 5 5 2 1 1 4\n1 10000063 1 3 3 3 1 1 4 7 9 1 5 1 4\n1 10000064 1 2 3 3 1 1 4 5 5 1 2 1 4\n1 10000065 1 2 3 3 1 8 4 5 5 1 2 1 4\n1 10000066 0 1 2 3 2 1 4 7 9 1 5 1 4\n1 10000067 1 3 2 3 1 1 4 5 9 1 3 1 4\n1 10000068 1 2 2 3 2 1 4 5 5 2 2 1 4\n1 10000069 1 3 1 2 2 1 4 7 9 1 5 1 1\n1 10000070 1 3 2 3 2 8 4 5 5 2 1 1 4\n1 10000071 1 3 3 3 2 1 4 7 9 2 5 1 4\n1 10000072 1 3 3 3 2 1 4 5 9 1 5 1 4\n1 10000073 1 1 3 3 2 1 4 5 9 1 5 1 4\n1 10000074 1 2 2 3 3 1 4 5 5 1 2 1 4\n1 10000075 1 3 1 3 4 1 4 5 9 2 5 1 4\n1 10000076 1 3 2 3 5 1 4 9 9 3 3 1 4\n1 10000077 1 2 2 2 3 1 4 7 9 2 5 1 4\n1 10000078 1 2 2 1 3 1 4 5 9 1 5 1 3\n1 10000079 1 3 3 3 4 1 4 7 7 2 1 1 4\n1 10000080 1 3 3 3 2 1 4 5 5 1 2 1 4\n1 10000081 1 2 3 3 2 1 4 5 9 1 5 1 4\n1 10000082 1 2 2 3 1 1 4 9 9 3 3 1 4\n1 10000083 1 3 1 1 1 8 4 5 9 1 5 1 2\n1 10000084 1 3 2 3 5 1 4 5 9 1 5 1 4\n1 10000085 1 3 1 3 4 1 4 7 9 1 5 1 4\n1 10000086 1 3 2 3 2 1 4 5 9 1 5 1 4\n1 10000087 1 2 2 3 1 1 4 5 5 1 2 1 4\n1 10000088 1 2 2 1 5 1 4 3 9 2 5 1 3\n1 10000089 1 2 3 2 2 1 4 5 5 1 2 1 4\n1 10000090 1 3 3 3 2 1 4 5 5 2 1 1 4\n1 10000091 1 3 1 3 4 1 4 5 5 2 1 1 4\n1 10000092 0 3 2 3 4 1 4 5 9 1 5 1 4\n1 10000093 1 2 2 3 4 1 4 5 5 2 1 1 4\n1 10000094 1 2 2 2 2 1 4 9 9 9 9 1 4\n1 10000095 0 3 1 3 1 8 4 6 5 2 1 1 4\n1 10000096 1 2 2 3 3 1 4 5 5 2 1 1 4\n1 10000097 0 1 2 3 2 1 4 5 5 1 2 1 4\n1 10000098 1 3 2 3 2 8 4 5 5 1 2 1 4\n1 10000099 1 3 1 3 2 1 4 5 5 1 2 1 4\n1 10000100 0 3 2 2 5 1 4 5 9 1 5 1 4\n1 10000101 1 2 1 3 4 1 4 5 5 1 2 1 4\n1 10000102 1 3 3 3 1 8 4 5 9 2 5 1 4\n1 10000103 1 3 3 3 2 1 4 2 9 1 5 1 4\n1 10000104 1 2 3 3 4 1 4 5 5 2 1 1 4\n1 10000105 1 3 3 3 3 1 4 2 9 1 5 1 4\n1 10000106 1 2 2 1 4 1 4 5 9 2 5 1 3\n1 10000107 1 2 3 3 2 1 4 5 5 1 2 1 4\n1 10000108 1 2 2 3 1 1 4 9 9 1 5 1 4\n1 10\n"}
diff --git a/chunks/json/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.json b/chunks/json/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.json
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+++ b/chunks/json/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.json
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+{"chunk":{"char_end":7468,"char_start":6286,"chunk_id":"chk_7f3453b50e7fe1e6","chunk_index":4,"chunk_sha256":"b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"5.5.3 $ min\n5.5.4 $ max\n\n5.2.6 $ min\n5.2.7 $ max\n\n5.3.3 + $\n5.4.3 + $\n\n5.5.5 $ min\n5.5.6 $ max\n\n5.2.8 $ min\n5.2.9 $ max\n\n5.3.4 + $\n5.4.4 + $\n\n5.5.7 $ min\n5.5.8 $ max\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other:\nSee Escrow Account on page 4 for details. You must pay for other property\ncosts separately.\n\nIn escrow?\nNO/SOME/YES\nNO/SOME/YES\nNO/SOME/YES\n\nCosts at Closing\n\n6.1 Closing Costs\n\n6.0\n\n6.1.1 $\n\nIncludes 6.1.2 $\nin Lender Credits. See page 2 for details.\n\nin Loan Costs + 6.1.3 $\n\nin Other Costs – 6.1.4 $\n\n6.2 Cash to Close\n\n6.2.1 $\n\nIncludes Closing Costs. See Calculating Cash to Close on page 3 for details.\n\nCLOSING DISCLOSURE\n\nPAGE 1 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Model Disclosure\n\nClosing Cost Details\n\nLoan Costs\n7.1 A. Origination Charges\n7.2.1 % of 7.2 Loan Amount (Points) 7.2.1 to Payee Type\n7.3 Fee Item\n\n7.0\n\n7.3.1 to Payee Type & Name\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n7.1.1 $\n\n7.2.2 $\n7.3.2 $\n\n7.2.3 $\n7.3.3 $\n\n7.2.4 $\n7.3.4 $\n\n7.2.5 $\n7.3.5 $\n\n7.2.6 $\n7.3.6 $\n\n7.4 B. Services Borrower Did Not Shop For\n7.5 Fee Item\n"}
diff --git a/chunks/json/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.json b/chunks/json/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.json
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index 0000000000000000000000000000000000000000..cb9a88f6e0fd8286b322f043bce1d1665391684c
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+++ b/chunks/json/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.json
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+{"chunk":{"char_end":260464,"char_start":258759,"chunk_id":"chk_9671eecfc771903b","chunk_index":233,"chunk_sha256":"b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"10.045\n\nDetail\n\n0700.0043\n\nImprovementComponentTypeAdditionalDescrip\ntion\n\nWhen ImprovementComponentType = \"Other\"\n\n10.046\n\nQuality Comment\n\n0700.0107\n\nImprovementComponentQualityDescription\n\nDisplay when ImprovementComponentType = \"Other\" AND Exists\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nUnit Interior: Quality and Condition\n\n10.047\n\nCondition Status\n\n0700.0045\n\nImprovementComponentConditionStatusType\n\nDisplay when ImprovementComponentType \"Other\"\n\n10.048\n\nCondition Comment\n\n0700.0112\n\nImprovementComponentConditionDescription\n\nDisplay when ImprovementComponentType = \"Other\" AND Exists\n\nFigure 10 - 11\n\nPage 190\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 191\n\nAccessibility Features for Individuals with Disabilities\n\nThe Accessibility Features for Individuals with Disabilities subsection displays when Features for Individuals w/Disabilities -\nAccessibilityFeatureType (UID: 0700.0005, FID: 10.050) <> “None” AND ((ImprovementType = “Dwelling”) OR (ImprovementType = “Outbuilding” AND\nOutbuildingRealPropertyIndicator = “true” AND AccessoryDwellingUnitIndicator = “true”)).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 192\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nUnit Interior: Accessibility Features for Individuals with Disabilities (Figure 10 - 12)\n\n10.050\n\nFeatures for Individuals\nw/Disabilities\n\n0700.0005\n\nAccessibilityFeatureType\n\nDisplay when AccessibilityFeatureType <> “None” AND\n((ImprovementType = “Dwelling”) OR\n(ImprovementType = “Outbuilding” AND\nOutbuildingRealPropertyIndicator = “true” AND AccessoryDwellingUnitIndicator =\n“true”))\n"}
diff --git a/chunks/json/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.json b/chunks/json/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.json
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+++ b/chunks/json/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":370808,"char_start":369033,"chunk_id":"chk_6744b131153e67f8","chunk_index":219,"chunk_sha256":"b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5","token_estimate":444,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nCentralized\n\nIndividual\n\nA system in which air is cooled at a central location and distributed to and from rooms by one or more fans and ductwork\n(e.g., forced air, mini-split).\n\nA self-contained cooling system, mounted on a wall or in a window, designed to cool an individual room or small area (e.g.,\nwindow unit).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nOther Mechanical Systems\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n12.017 Other\n\nIf applicable\n\nMechanical\nSystems\n\nOutbuilding: Other Mechanical Systems\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nRadon Mitigation\nSump Pump\n\n•\n•\n• Water Heater\n• Whole House Water Treatment\n•\nNote: If there are no other mechanical systems in the outbuilding, do not select\nan answer and Other Mechanical Systems does not display.\n\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 156 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nApparent Defects, Damages, Deficiencies (Outbuilding)\n\nThe appraiser must report any significant items pertaining to the outbuilding, and must associate any defect,\ndamage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are items\nthat:\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the\n\nindustry, or\n\n• Negatively affect the integrity / composition of the site itself, or\n• Negatively affect the soundness or structural integrity of the improvements to the site, or\n• Measurably impact the marketability or value of the property, or\n• Require completion.\nExample:\n"}
diff --git a/chunks/json/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.json b/chunks/json/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.json
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+++ b/chunks/json/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.json
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+{"chunk":{"char_end":645799,"char_start":644170,"chunk_id":"chk_8d3c343456e500a1","chunk_index":384,"chunk_sha256":"b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"23 Rental Information\n\nThe Comparable Rental Properties subsection includes a thumbnail photo and basic information about the\nsubject property and each rental comparable. These properties represent the most current, similar, and\nproximate comparable rental properties to the subject property. This analysis is intended to support the opinion\nof the market rent for each unit in the subject property.\n• Each rental comparable represents a unit and not necessarily the entire comparable property.\n• A rental comparable unit can be compared to more than one subject property unit.\n\nExample\n\n• Comps 4 and 5 are two units in the same property.\n• Comp 1 is compared to both subject units.\n\nSubject Property Information\n\nComparable Rental Properties – Subject Property Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSee\niGuide\n\nSubject\nProperty\n\nAlways required\n\nPhoto\n\nProperty Photo\nPhoto of the subject property, typically the front.\n\nAppendix F-1: URAR Reference Guide\n\nPage 286 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nComparable Rental Properties – Subject Property Information\n\nDefinition / Additional Guidance\n\nProperty Address\nPopulates from the Subject Property section 3.000.\n\nReport\nField ID\n\n23.02.01\n\nReport Label\n\nWhen to Include\n\nSubject\nProperty\n\nAlways required\n\nAllowable\nAnswers / Format\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\nComparable Property Information\n\nRent Schedule: Comparable Rental Properties – Comparable Property Information\n"}
diff --git a/chunks/json/b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06.json b/chunks/json/b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":438302,"char_start":436475,"chunk_id":"chk_8b7946b0e78c1218","chunk_index":244,"chunk_sha256":"b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"foundation retrofitting for earthquakes,\n\no storm- surge barriers,\no\no hazardous brush and tree removal in fire zones, or\nretaining walls to address mud or water flows.\no\n\n• environmental hazard damage repairs or resiliency improvements, including asbestos, lead, mold, and radon; or\n• energy- or water-efficiency improvements.\n\nChange Requests\n\nBefore approving any change request a borrower wants to make to the original plans and specifications, the lender must\nrequire the borrower to submit a HomeStyle Change Order Request (Form 1200), or a substantially similar document, that\nprovides a detailed description of the\n\n• change(s),\n• cost of the change(s), and\n• estimated completion date(s)..\n\nCalculating LTV and Maximum Renovation Amount\n\nPurchase Transactions: In a purchase transaction, the proceeds can be used to finance the acquisition of the property and\nthe cost of the improvements or the amount to payoff PACE debt. The LTV ratio is determined by dividing the original loan\namount by the lesser of\n\n•\n•\n•\n\nthe “as completed” appraised value of the property\nthe sum of the purchase price of the property plus the cost of the improvements, or\nthe sum of the purchase price plus the total amount of PACE debt to be paid off.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 178 of 166\n\nUAD 3.6 Policy\n\nLimited Cash-out Refinance Transactions: When a loan is originated as a limited cash-out refinance, the loan must meet all\nof the standard requirements for limited cash-out refinances (as described in B2-1.3-02, Limited Cash-Out Refinance\nTransactions).\n\nProceeds may also be used to pay off an existing PACE loan or other debt (secured or unsecured) that financed energy-related\nimprovements. The standard cash back allowance of the greater of 1% of the loan amount or $2,000 is permitted on these\nloans.\n"}
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+{"chunk":{"char_end":4954,"char_start":3335,"chunk_id":"chk_65d3829d43d58591","chunk_index":2,"chunk_sha256":"b0b79098486113c6e969845a339cab124287350eda91e23c71fbcf1e49475342","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"b0b79098486113c6e969845a339cab124287350eda91e23c71fbcf1e49475342","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"Detached\n\nRow or Townhouse\n\nGeneral Description\n\nGeneral Description\n\nGarden\n\nMid-Rise\nSubject Phase\n\nHigh-Rise\n\nOther (describe)\nIf Project Completed\n\n# of Stories\n# of Elevators\nExisting\n Under Construction\n\nProposed\n\nExterior Walls\nRoof Surface\nTotal # Parking\nRatio (spaces/units)\nType\nGuest Parking\n\nYear Built\nEffective Age\nProject Primary Occupancy\nIs the developer/builder in control of the Homeowners’ Association (HOA)?\nManagement Group –\n\nHomeowners’ Association\n\nPrinciple Residence\n\nDeveloper\n\n# of Units\n# of Units Completed\n# of Units For Sale\n# of Units Sold\n# of Units Rented\n# of Owner Occupied Units\n Second Home or Recreational\n No\n\nYes\n\n# of Phases\n# of Units\n# of Units for Sale\n# of Units Sold\n# of Units Rented\n# of Owner Occupied Units\n\nTenant\n\nManagement Agent – Provide name of management company.\n\nDoes any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project?\n\nYes\n\nNo If Yes, describe\n\nWas the project created by the conversion of an existing building(s) into a condominium?\n\nYes\n\nNo If Yes, describe the original use and the date of conversion.\n\nAre the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)?\n\nYes\n\nNo If No, describe\n\nIs there any commercial space in the project?\n\nYes\n\nNo If Yes, describe and indicate the overall percentage of the commercial space.\n\nFreddie Mac Form 465H April 2022\n\nPage 1 of 6\n\nFannie Mae Form1073 Hybrid April 2022\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nP\nR\nO\nJ\nE\nC\nT\n\nA\nN\nA\nL\nY\nS\nI\nS\n"}
diff --git a/chunks/json/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.json b/chunks/json/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.json
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+++ b/chunks/json/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.json
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+{"chunk":{"char_end":882723,"char_start":881121,"chunk_id":"chk_38a183215532611a","chunk_index":524,"chunk_sha256":"b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates whether the actual age is estimated.\n\nPDF Display Format:\nIf 'Y' then display a tilde (~) before the value entered.\nIf 'N' then display nothing.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nNumeric, whole years only. Zero (0) is a valid value.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nEnumerated\n\nString\n\nEnumerated\n\nBoolean\n\nString\n\n20\n\n20\n\n2\n\n1\n\n3\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nThis field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n\nCR\n\nT\n\nR\n\nR\n\nR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 153 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n352\n\n3\n\n32\n\nSALES\nCOMPARISON\nAPPROACH\n\nCondition\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEOverallConditionType\n"}
diff --git a/chunks/json/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.json b/chunks/json/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.json
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index 0000000000000000000000000000000000000000..bff7f56d85fece97c7efd10b3c59192f764d20f7
--- /dev/null
+++ b/chunks/json/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2557,"char_start":1699,"chunk_id":"chk_839299237415c5d7","chunk_index":1,"chunk_sha256":"b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_11827827496f333a","text_sha256":"b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52","token_estimate":215,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucdp-change-notification-august-20-2019.pdf"]},"text":"Comment Request\nN\nN\nN\nN\nY\n\nMessage Text Change for Existing Fannie Mae Appraisal Message\nDue to updates we made to simplify our condo policies in 2018, the Fannie Mae message FNM0103 will be revised.\n\n▪ Current message: The developer/builder is in control of the HOA. Determine the project review type. Fannie Mae\n\neligibility requires a full project review on properties that are not established, except for detached subject properties\non which a limited project review is permitted.\n\n▪ Revised message: The developer/builder is in control of the HOA. Consult the Fannie Mae Selling Guide to\n\ndetermine the appropriate project review type required for this transaction.\n\nFor More Information\n\nPlease check message updates in UCDP User Guide for Fannie Mae Messaging that will be published on October 7.\n\n© 2019 Fannie Mae. Trademarks of Fannie Mae.\n\n1 of 1\n"}
diff --git a/chunks/json/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.json b/chunks/json/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.json
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index 0000000000000000000000000000000000000000..d774fa8d9ae47f77c868e55805d625c95009c464
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+++ b/chunks/json/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.json
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+{"chunk":{"char_end":30301,"char_start":28689,"chunk_id":"chk_78073735bbb5cdbb","chunk_index":17,"chunk_sha256":"b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b","token_estimate":403,"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":"Uniform Residential Appraisal Report\n\nPage 17 of 20\n\nCost Approach (continued)\n\nSite Value\n\nPrimary Site Valuation Method Sales Comparison\n\nOpinion of Site Value\n\n$38,500\n\nLand Comparables\n\n#\n1\n\n2\n\n3\n\n4\n\nAddress\n234183 Starmind Dr\nSomecity, TN 12345\n\nCounty\nAlpine\n\nData Source\nMLS W12348\n\nAssessor Parcel\nNumber (APN)\nERW 10149852 - 12\n\nSite Size\n12,632 Sq. Ft.\n\nSale Date\n04/15/2021\n\nPrice\n$32,000\n\n105853 Gao St\nSomecity, TN 12345\n\n124383 Whitecrest\nRd\nSomecity, TN 12345\n\n235813 Anywhere\nSt\nSomecity, TN 12345\n\nAlpine\n\nAlpine\n\nMLS W19434\n\nERW 13249582 - 12\n\n17,424 Sq. Ft.\n\n11/12/2021\n\n$49,900\n\nMLS W58278\n\nERW 12354823 - 13\n\n12,462 Sq. Ft.\n\n07/15/2021\n\n$25,500\n\nAlpine\n\nSubject Sale\n\nERW 14885329 - 23\n\n14,000 Sq. Ft.\n\n06/16/2019\n\n$38,500\n\nReconciliation of Site Value The land sale comparables were selected from sales of unimproved sites suitable for manufactured homes\nlocated within the subject’s market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight\ndue to comparability in size and location within a mile of recreational areas that are similar to the park that is a half mile from the subject.\nComparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of\na landfill facility. The subject’s land sale in 2019 (comparable #4) was also taken into consideration. The subject’s site was valued at $2.70 per\nsquare foot.\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n\nReplacement\nMarshall & Swift\nGood\n06/01/2021\n\nCost Approach Commentary\n"}
diff --git a/chunks/json/b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6.json b/chunks/json/b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6.json
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+{"chunk":{"char_end":48516,"char_start":46897,"chunk_id":"chk_51b8c715904f9a68","chunk_index":73,"chunk_sha256":"b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6","token_estimate":405,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appendix E: Report Style Guide\n\nPage 14 of 90\n\nVersion 1.4\n\nCode\nTXC-NPI-B\nFN\nSIG\nSIG-B\nY/N\nCK\nCK1\nCK-H2\nCK-TAB\nCK-1I\nTB\nTB-I\nTB-B\nTCH\nTB_sub-H1\nTB-sub-H1-R\nTB-SCA_sub-H1\nTB-SCA_sub-H1-ADJ\nTB-SCA_H2\n\nCodes Used in Style Guide\n\nDescription\nCommentary Text Numbered Paragraph Bold\nFootnote Text\nSignature\nSignature Below Rule\nYes / No (sets above checkbox [CK] elements )\nCheckbox (full page width)\nCheckbox (one column)\nCheckbox with H2\nCheckboxes on Black Tab\nCheckbox one column Indented\nTable Text\nTable text Indented\nTable text Bold\nTable Column Heading\nDark Gray Bar in table (see DDDs)\nDark Gray Bar in Table Align Right (Totals and Subtotals)\nDark Gray Bar in Comparable Grids\nDark Gray Bar in Comparable Grids - Adjustable Row\nLight Gray Bar in Comparable Grids\n\nPage Size\n\n8.5\" x 14\" (Legal)\n\nLayout Grid\n\n2-column format:\n\n• 2 columns each with width of 22 picas (3.66\"), with 1 pica gutter (.17”). Character count: 60-\n\n65 characters per line.\n\n1-column format:\n\n• A column width of 45 picas (7.5\"). Character count: 130-140 characters per line.\n\nMargins\n\nTop, left, right, and bottom margins are .5\".\n\nHeader Text\n\nDisplays on all report pages except Summary.\n\n½ point 50% black rule x 45 picas, offset 6 points above to:\n\n(HDR-L) Left side:\n\n• 10-point Myriad Pro Bold “Uniform Residential Appraisal Report”.\n\nAppendix E: Report Style Guide\n\nPage 15 of 90\n\nVersion 1.4\n\n(HDR-R) Right side:\n\n•\n\n“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets\nat top margin in 9-point Myriad Pro Regular, align right on 45 picas.\n\nHDR\n\nFooter Text\n\nDisplays on all report pages.\n"}
diff --git a/chunks/json/b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41.json b/chunks/json/b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41.json
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index 0000000000000000000000000000000000000000..35f8d0e28a40bd5a9b4b551d7c03ef6e0a2aa208
--- /dev/null
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+{"chunk":{"char_end":1616,"char_start":0,"chunk_id":"chk_c6d34393f407680d","chunk_index":0,"chunk_sha256":"b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f05286f76b764a18","text_sha256":"b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2023.pdf"]},"text":"EarlyCheck Release Notes\nOverview of EarlyCheck Enhancements\n\nThis EarlyCheck™ Enhancements overview provides access to all 2023 EarlyCheck updates in an easy-to-read format all in one document.\n\nFor a complete list of the edit messages, view the EarlyCheck Edit Messages document in the Edit Messages section of the EarlyCheck page 30 days prior to\neach update. Log in credentials for EarlyCheck or Fannie Mae Connect are required to access this document.\n\nDecember 31, 2023\n\nIn Case You Missed It\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\nJanuary 1\n\nEdit Updates\n\n7.5.8\n\nNew edits related to Closing Data\n\nFile\nType\n\nULDD-\nMISMO 3.0\n\nImpact\n\n•\n\n4 new edits with a severity of Fatal\n\nJanuary 23\n\nEdit Updates\n\n7.5.9\n\nNew edits are related to Area Median Income (AMI) and\nAppraisal Waiver\n\nULAD-\nMISMO 3.4\n\n•\n\n1 edit with a text change\n\nEdits changing severity are related to Mortgage\nInsurance (MI), Reference Data, Area Median Income\n(AMI), and Recast\n\nULDD-\nMISMO 3.0\n\n•\n\n•\n\n•\n\n•\n\n1 edit with a text change\n\n2 new edits with a severity of warning\n\n1 edit changing from Warning to Warning-\nto-Fatal\n\n7 edits changing from Warning-to-Fatal to\nFatal\n\n© 2024 Fannie Mae November 2023\n\nEffective\nDate\n\nImpacted\nArea\n\nFebruary 3\n\nMaintenance\nWindow\nChange\n\nVersion\n\nDescription\n\nFile\nType\n\nImpact\n\nStarting in February, EarlyCheck will be available\nevery day, 24 hours a day, except from 5 p.m. ET\nSaturday to 8 a.m. ET Sunday due to maintenance.\n\nFebruary 20\n\nEdit Updates\n\n7.6\n\nNew edits are related to Closing Costs, Down\nPayment, Mortgage Insurance (MI), Recast, Special\nFeature Codes and Underwriting.\n"}
diff --git a/chunks/json/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.json b/chunks/json/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.json
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+++ b/chunks/json/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.json
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+{"chunk":{"char_end":323084,"char_start":321282,"chunk_id":"chk_92dcddcad5f17a3f","chunk_index":175,"chunk_sha256":"b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"LoanProgram\n\nATR/QM\n\nA. MAPPI NG GUI DANCE\n\n▪ Values must be present for TOTAL CLOSING COSTS (Borrower-Paid) and the Closing Costs Subtotals. If there\n\nare no fees to disclose for a given column, “0.00” must be provided.\n\n▪ The Closing Costs Subtotals (D + I) amounts are qualified by the data point Integrated Disclosure Subsection\nType which is in the same INTEGRATED DISCLOSURE SECTION SUMMARY DETAIL container as Integrated\nDisclosure Section Type = “Total Other Costs”.\n\n▪ Because there are five subtotals, five instances of INTEGRATED DISCLOSURE SUBSECTION PAYMENT are\nrequired. This container groups the data points representing the payment amount, payer, and timing.\n\nB. FOR MORE I NFORMATI ON\n\n9.0 | 9.1 | 9.2 | 9.3 Reg §1026.38(h), pp. 80123, 80354, 80013; Cross reference to §1026.37(g)(6) pp. 80117,\n\n80344, 79965-6.\n\nAppendix E: UCD Implementation Guide\n\nPage 148 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.0 Calculating Cash to Close\n\n10.0 CALCULATING CAS H TO CLOSE\n\nThe Calculating Cash to Close table is included in the following Closing Disclosure Types:\n\nTable 102. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\n10.0\n\nCalculating Cash to Close Table\n\n10.A\n\nAlternative Calculating Cash to\nClose Table\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\nThe Calculating Cash to Close table on the Closing Disclosure updates the amounts presented to the borrower\non the Loan Estimate. The purpose of the table is to enable borrower(s) to see how costs have changed from\nestimate to the final disclosure. The Integrated Mortgage Disclosures regulation has defined two versions of the\nCalculating Cash to Close table depending on the purpose of the loan.\n"}
diff --git a/chunks/json/b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204.json b/chunks/json/b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204.json
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+{"chunk":{"char_end":15849,"char_start":14192,"chunk_id":"chk_8f4459a112028429","chunk_index":8,"chunk_sha256":"b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f3ea5443d4283d2a","text_sha256":"b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Executive_Compensation___FHFA_4x14xg.md"]},"text":"The plan also includes a retention tool. If an executive leaves the company or is terminated, the fixed deferred salary is reduced by 2 percent per month for each month between the date the employee leaves and January 31st of the second calendar year after the end of the performance year, subject to certain exceptions including retirement.\n\nThe compensation listed in each of Fannie Mae’s and Freddie Mac’s most recent annual reports as paid in the most recent year may include compensation earned in the most recent year and deferred compensation earned in prior years but paid in the most recent year.\n\nInformation regarding executive compensation oversight is set forth in the Enterprises’ Form 10-K SEC annual filings.\n\n## 202​2 Enterprise Form 10-K Filings\n\n*See Item 9b. Other Information (and) Item 11. Executive Compensation*\n\n[Fannie Mae 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/310522/000031052223000184/fnm-20221231.htm)\n\n[Freddie Mac 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/1026214/000102621423000037/fmcc-20221231.htm)\n\n## Related Documents\n\n[Statement of Acting Director Edward J. DeMarco, Before the U.S. House of Representatives, Committee on Oversight and Government Reform (11/16/2011)](/news/testimony/statement-of-edward-j.-demarco-before-the-u.s.-house-committee-on-oversight-and-government-reform)\n\n*​Date last updated: August 28, 2023​​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2.json b/chunks/json/b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2.json
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+{"chunk":{"char_end":110869,"char_start":109185,"chunk_id":"chk_bb2064a5e6989719","chunk_index":111,"chunk_sha256":"b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2","token_estimate":421,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Appendix E: Report Style Guide\n\nPage 60 of 90\n\nVersion 1.4\n\nLine Display\n\nThere are three types of lines (rules) that can be included in the Sales Comparison Approach table.\n\nType A:\n\nVertical line separating the Subject and each Comparable. ½ point rule in 100% black.\n\nType B:\n\nVertical line separating the cell containing the information about the Comparable from the\nadjustment cell. ½ point rule in 50% black.\n\nType C:\n\nHorizontal lines throughout the Sales Comparison Approach table. ½ point rule in 50% black.\n\nGeneral Information\n\n•\n\n•\n\n•\n\n•\n\n“General Information” sets as TB-SCA_sub-H1\n\nLeftmost column rows set as TB: “Data Source,” “Proximity to Subject,” “List Price,” “Listing Status,”\n“Contract Price,” “Sale Price,” “Transfer Terms,” “Financing Type,” “Sales Concessions,” “Contract\nDate,” “Sale Date,” “Days on Market,” “Sale to List Price Ratio,” “Attached/Detached,” “Property\nRights Appraised”.\n\no “Annual Ground Rent” sets as TB-I.\n\n“Native American Lands,” “All Rights Included” set as TB.\n\no “Rights Not Included” sets as TB-I.\n\n“Same Builder as Subject,” “[Additional Row]” set as TB.\n\nProject Information\n\n•\n\n•\n\n•\n\n•\n\nSite\n\n“Project Information” sets as TB-SCA_sub-H1-ADJ.\n\n“Project Name | Same Project as Subject,” “Monthly Fee,” “Common Amenities/Services,” “Special\nAssessments” set as TB.\n\n“Site” sets as TB-SCA_sub-H1.\n\n“Site Owned in Common,” “Site Size,” “Neighborhood Name,” “Zoning Compliance,” “Hazard Zone,”\n“Primary Access,” “Street Type | Surface,” “Property Restriction,” “Easement,” “Topography,”\n“Drainage,” “Site Characteristics,” “Site Influence (Location),” “Apparent Environmental Conditions,”\n“View | Range,” “[Additional Row]” set as TB.\n"}
diff --git a/chunks/json/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.json b/chunks/json/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.json
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index 0000000000000000000000000000000000000000..6aec534a82e02ec1a85596f890720f008c3b98fc
--- /dev/null
+++ b/chunks/json/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":276540,"char_start":274929,"chunk_id":"chk_95317bb325ca3c91","chunk_index":159,"chunk_sha256":"b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Scope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/25/2019\n\nSupervisory Appraiser\n\nName\nCompany Name\nCompany Address\n\nArthur Appraiser\nOverall Appraisal Services\n123 Diagonal St\nAnytown, VA 20141\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n9898989898-000034\nVA\n01/31/2020\n\nCertified Residential\n9898989898-000299\nVA\n02/28/2020\n\nAssignment Information and Scope of Work Commentary\n\nJennifer James and Jennifer Jones are the same person with a last name change.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Anywhere St\nSome City, VA 20141\nAlpine\nMagic Hill\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nYes\n\nDescription of Special Assessments and Impact to Value/\nMarketability Special assessment is for grading the road surface,\ncondition and utility comparable to other competing properties\nresulting in no impact to value.\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance of\nDwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nRights Not Included\n\nNo\nMineral Rights\n\nDescription of Rights Not Included Mineral rights not included,\ntypical for the area.\n"}
diff --git a/chunks/json/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.json b/chunks/json/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.json
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index 0000000000000000000000000000000000000000..87837a03e7dae323b959500074fd74cc6c862f5c
--- /dev/null
+++ b/chunks/json/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":68150,"char_start":66200,"chunk_id":"chk_82ccdf48346877ef","chunk_index":36,"chunk_sha256":"b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62","token_estimate":488,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Example IV-1 illustrates the parent containers within the V3.0 Reference Model that\nare specified in ULDDS Appendix A. This is the highest-level view of the Loan\nDelivery Data Set, starting from the root container, MESSAGE. Note that the GSEs’\nuse of the V3.0 Reference Model is confined to the ABOUT_VERSIONS and DEAL_SETS\ncontainers. The majority of the data in ULDDS Appendix A is provided in the DEAL\ncontainer. To read Example IV-1 (and any graphical representations of V3.0\nReference Model) in the same order in which the containers are presented in the\nunderlying XML schema document, follow the steps in Example IV-2.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 26 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-2. Reading Graphical Representations of the Reference Model\nSTEP 1: Start at the very left with MESSAGE, then move to the right to\n\nABOUT_VERSIONS. Keep moving right to the last container\n(ABOUT_VERSION) before moving back to the branch from MESSAGE.\n\nSTEP 2: Move to the next lowest container (DEAL_SETS) then up the branch to its\ntopmost child container (DEALS). Again, move all the way to the right to\nDEAL, then up the branch to the topmost child container of DEAL\n(ASSETS). Now, move all the way to the right to ASSET, then return to\nthe next level of child containers branching from DEAL (COLLATERALS).\n\nSTEP 3: Continue moving this way through the child containers of DEAL, through\nPARTIES to ROLES, then up the branch to the topmost child container of\nROLES (PARTY_ROLE_IDENTIFIER). Since there are no more containers to\nthe right, move back to the branch at ROLES and down to the last\ncontainer shown (ROLE). Since there are no more DEAL child containers,\nyou are ready to move back to the branch at DEAL_SET and tackle the\nnext set of child containers of DEAL_SET (INVESTOR_FEATURE).\n"}
diff --git a/chunks/json/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.json b/chunks/json/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.json
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index 0000000000000000000000000000000000000000..6970327e9b451e54ebae48d073830a70d6c2b2a9
--- /dev/null
+++ b/chunks/json/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":62970,"char_start":61352,"chunk_id":"chk_1bf4f995c8470003","chunk_index":33,"chunk_sha256":"b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Notes: The MISMO definition is non-specific, so the GSEs have clarified the use of\n\nthe attribute with detailed further guidance.\n\n3. URN\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n\n4. Context\n\nAs for the data points and containers, the “Context” column shows 1) how many times\nand 2) where the attribute is used in the V3.0 Reference Model. The number of times\nthe attribute is used is indicated first as a “Count,” which is the number of parents this\nattribute has within the V3.0 Reference Model. The Count is followed by an\nalphabetical list of the parent containers prefaced by, “Used in: CONTAINER_NAME”\nand followed by “as: AttributeName.” When an attribute is used in more than one\ncontainer, it is important to identify it in terms of its parent container or XPath;\notherwise the meaning of the attribute will not be clear.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 23 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nExample III-17. MISMO LDD Attribute Context.\n\nAttribute: MISMOReferenceModelIdentifier\nDefinition: The MISMO Reference Model Identifier is a unique value that\n\nrepresents the version of the MISMO reference model to which the containing\nXML instance document complies.\n\nContainer URN Suffix:\nurn:org:MISMO:residential:2009:LDD:MISMOReferenceModelIdentifier\nContext\n\nCount=3\n Used in: DEAL as: MISMOReferenceModelIdentifier\n Used in: DOCUMENT as: MISMOReferenceModelIdentifier\n Used in: MESSAGE as: MISMOReferenceModelIdentifier\n"}
diff --git a/chunks/json/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.json b/chunks/json/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.json
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index 0000000000000000000000000000000000000000..712de8345a584c418355d18573c1598bb53a0463
--- /dev/null
+++ b/chunks/json/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":434614,"char_start":432900,"chunk_id":"chk_534ac86af078f2b4","chunk_index":257,"chunk_sha256":"b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5","token_estimate":429,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Project Amenity Ownership: The unit’s ownership of the amenity (e.g., whether\nthe amenity is assigned to the unit or unassigned and first-come, first-served).\n•\n•\n•\n\nAssigned (designated to a specific unit)\nOwned (deeded to a specific unit)\nUnassigned (designated to project occupants on a first-come, first-served\nbasis)\nOther (Describe)\n\n•\n\nNone (No utilities included in the association fees)\nElectricity\nGas\nSanitary Sewer\n\nUtilities included in the unit’s association fees.\n•\n•\n•\n•\n• Water\n•\n\nOther (Describe) – Do not include Common Amenities/Services here.\n\nAppendix F-1: URAR Reference Guide\n\nPage 185 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nCommon Amenities / Services Included (Choose all that apply)\n\nNone\n\nAirstrip\n\nBeach\n\nBoat Ramp\n\nBoat Slip\n\nNote: Choose this answer if there are no common amenities or services.\n\nA shared amenity for the take-off and landing of aircraft that serves the project or community.\n\nA strip of land separating a body of water from inland areas, typically used for recreation or leisure purposes.\n\nA form of access to launch watercraft into the water.\n\nA docking point on water for storage and / or parking of watercraft.\nNote: Choose this answer if the boat slip is assigned by the project and included in the mandatory fee.\n\nBuilding Maintenance\n\nUpkeep and / or repair for all dwellings and structures (e.g., roof, siding, windows, doors, interior common areas).\n\nBuilt-in Pool\n\nA self-contained and manufactured area built into a structure and designed to be filled with water designated for\nswimming and other aquatic uses (e.g., rooftop pools or other pools that are not inground).\n"}
diff --git a/chunks/json/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.json b/chunks/json/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.json
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index 0000000000000000000000000000000000000000..15ab5c5f4da90784b4f071b22fdce0485bead279
--- /dev/null
+++ b/chunks/json/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1492,"char_start":0,"chunk_id":"chk_8dcb659164c0d304","chunk_index":0,"chunk_sha256":"b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a","token_estimate":373,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Fannie Mae\nImplementation Guide for Loan Delivery Data\n\nDocument Version 3.0.1\n\nVersion: June 2018\n\nDocument Updates\nThe Implementation Guide for Loan Delivery Data (Implementation Guide) is authored by Fannie Mae. This\ndocument is intended for approved Fannie Mae sellers registered for Loan Delivery and other industry\nparticipants, including third-party technology solution providers that currently support the loan delivery XML file\nfor Fannie Mae. The updates documented here are required under the Uniform Mortgage Data Program ®,\nthrough which Fannie Mae and Freddie Mac implemented the Uniform Loan Delivery Dataset (ULDD) under the\ndirection of the Federal Housing Finance Agency.\n\nThe Implementation Guide will be updated as needed with sufficient notice before the changes are\neffective. To learn about future updates to the Implementation Guide:\n\n Sign up for Fannie Mae’s Single-Family alerts at\n\nhttps://www.fanniemae.com/s/profile/notification?cmpid=EMAIL_PROMO.\n\n Visit the Fannie Mae’s Loan Delivery Data Requirements page available on\n\nFannieMae.com at https://www.fanniemae.com/singlefamily/uniform-loan- delivery-\ndataset-uldd to download the latest Implementation Guide.\n\n© 2018 Fannie Mae. Trademarks of respective ow ners. MISMO is a registered trademark of the Mortgage Industry\nStandards Maintenance Organization. W3C is a registered trademark of the World Wide Web Consortium.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 2 of 22\n\nTable of Contents\n"}
diff --git a/chunks/json/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.json b/chunks/json/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.json
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index 0000000000000000000000000000000000000000..d0804d50e9a14660c9438e9fde9c40f71700823c
--- /dev/null
+++ b/chunks/json/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30997,"char_start":29403,"chunk_id":"chk_ec9c118bfd8f5929","chunk_index":18,"chunk_sha256":"b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Dwelling(s)\n\nYear Built\n\nDwelling Style\n\nHeating\n\n1979\n\nColonial\n\n1989\n\nColonial\n\n$0\n\n1984\n\nColonial\n\n$0\n\n1978\n\nColonial\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nEnergy Efficient And Green Features\n\nRenewable Energy\nComponent\n\nEfficiency Rating\n\nSolar\n\nHERS | 65\nHome Energy Score | 7\n\n$0\n\nNone\n\nNone\n\nSolar\n\nHERS | 65\nHome Energy Score | 8\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nLocation of ADU\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n3\n\n$0\n\n2 | 1\n\n$20,000\n\n3,304 Sq. Ft.\n\n3,228 Sq. Ft.\n\n$0\n\n3,562 Sq. Ft.\n\n$(20,640)\n\n3,256 Sq. Ft.\n\n$0\n\n640 Sq. Ft.\n\n616 Sq. Ft.\n\n1,000 Sq. Ft.\n\n$(14,400)\n\n1,000 Sq. Ft.\n\n$(14,400)\n\n1,200 Sq. Ft.\n\n$(22,400)\n\n614 Sq. Ft.\n\n$0\n\n200 Sq. Ft.\n\n$2,700\n\n428 Sq. Ft.\n\n$3,760\n\nDwelling\n\nDwelling\n\nDwelling\n\nADU/Garage\n\n$0\n\n1\n\n1 | 0\n\n0 Sq. Ft.\n\n704 Sq. Ft.\n\n1\n\n1 | 0\n\n1\n\n1 | 0\n\n1\n\n1 | 0\n\n500 Sq. Ft.\n\n$(30,000)\n\n0 Sq. Ft.\n\n625 Sq. Ft.\n\n$(37,500)\n\n0 Sq. Ft.\n\n$28,160\n\n500 Sq. Ft.\n\n$8,160\n\n0 Sq. Ft.\n\n$28,160\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nRoof\n\nCondition\n\nQ4\n\nAluminum\n\nComposition\n\nC4\n\nQ4\n\nVinyl\n\nComposition\n\nC3\n\nQ4\n\nVinyl\n\nComposition\n\nC3\n\nQ4\n\nAluminum\n\nComposition\n\nC3\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 22\nPage 17 of 22\n"}
diff --git a/chunks/json/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.json b/chunks/json/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.json
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index 0000000000000000000000000000000000000000..a219de0031f5c827c34eef1e26d3f1c5b1ffc4df
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+++ b/chunks/json/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":385646,"char_start":384046,"chunk_id":"chk_e76703bb0db4dd2c","chunk_index":307,"chunk_sha256":"b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1800.0375 RELATIONSHIP\n\n1800.0376 RELATIONSHIP\n\n1800.0084 PROPERTY\n\n0700.0124 DATA_SOURCE\n\n@xlink:from\n\n@xlink:to\n\n@xlink:label\n\n@xlink:label\n\nDATA_SOURCE_n\n\nPROPERTY_n\n\nPROPERTY_n\n\nDATA_SOURCE_n\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n23 Rental Information\n\nPage 298\n\nThe Rental Information section includes information about the factors that influence rent and generate other income for the subject\nproperty and its rental comparables. This section provides space for commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 299\n\nThe Rental Information section displays when RentScheduleIndicator (UID: 1000.0031, FID: Not on report) = \"true\".\n\nA subject property unit (including an ADU) is included in the Rental Information section when UnitIncludedInRentScheduleIndicator (UID:\n0700.0065, FID: Not on report) = \"true\".\n\nWhen there is an Income Approach included in the appraisal, Rental Information must be included.\n\nRent Schedule\n\nThe Rent Schedule subsection always displays when the Rental Information section displays. It contains information about the subject\nproperty only.\n\nSubject Property Rental Information\n\nThe Subject Property Rental Information subsection always displays when the Rental Information section displays.\n\n• For each subject property unit where UnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = “true”, a new row\n\ndisplays in the table. The Unit Identifier (FID: 23.01.01) displays as the row header.\n"}
diff --git a/chunks/json/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.json b/chunks/json/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.json
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index 0000000000000000000000000000000000000000..4031f4a9d05a6565dad62e48e55c0750caf75987
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+++ b/chunks/json/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":295562,"char_start":293930,"chunk_id":"chk_aab41ffd8e69efb3","chunk_index":254,"chunk_sha256":"b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a","token_estimate":408,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"14.002\n\nOther (Describe)\n\n0200.0046\n\nAmenityType\n\nWhen AmenityCategoryType = “Miscellaneous” AND AmenityType = “Other”, display\nAmenityTypeOtherDescription\n\nPage 223\n\nIn Figure 14 - 3, the Amenity Category (Outdoor Living) has more than one AmenityType, and the Amenity Category displays merged. This\nexample has a patio, a porch, and multiple decks. Subject Property Amenity displays merged for the decks. Material and Detail display for\neach instance and do not display merged.\n\nFigure 14 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 224\n\nReport\nField ID\n\nReport\nLabel\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nSubject Property Amenities: General Information - Material & Detail Conditionality\n\n14.003 Material\n\n0200.0021 AmenityMaterialType\n\n14.003 Material\n\n0200.0030 AmenityMaterialType\n\n14.003 Material\n\n0200.0005\n0200.0037\n0200.0044\n\nAmenityMaterialType\n\n14.004\n\nDetail\n\n0200.0036\n0200.0058\n\nAmenityCount\nAmenityAreaMeasure\n\nMaterial may be provided; however, it is required when:\n\n-\n\n-\n\nAmenityCategoryType = “OutdoorLiving” AND (AmenityType = “Balcony” OR “Deck” OR “Gazebo”\nOR “Patio” OR “Porch”)\nMaterial may be provided; however, it is required when:\n\nAmenityCategoryType = “WaterFeatures” AND AmenityType = “IngroundPool”\n\nMaterial may be provided when AmenityCategoryType = “OutdoorAccessories” OR \"WholeHome\"\nOR “Miscellaneous”\n\nDetail may be provided; however, it is required when:\n\nAmenityCategoryType = “WholeHome” AND AmenityType = “IndoorFireplace” OR “WoodStove”\n\n-\no Display as \"Total Number - \" followed by the value. (Figure 14 - 4)\n\nDetail may be provided; however, it is required when:\n"}
diff --git a/chunks/json/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.json b/chunks/json/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.json
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index 0000000000000000000000000000000000000000..45c2bf3b65ce751c1d27b39c6960f85bc67adeb5
--- /dev/null
+++ b/chunks/json/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":138750,"char_start":136989,"chunk_id":"chk_e228a2c83fe3a74e","chunk_index":78,"chunk_sha256":"b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476","token_estimate":440,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Container URN Suffix:\n\nurn:org:MISMO:residential:2009:LDD: INTEREST_LIFETIME_ADJUSTMENT_RULE\n\nNotes: The URN Suffix is another way of identifying the container. This is formed as\n\n“MISMO Name Space: CONTAINER.”\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 62 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in ULDDS\n\nC. Attributes\n1. URN\n\nIn the same way as for data points and their enumerations and containers, a “URN”\ncolumn is included in the LDD for every attribute. The URN is simply the MISMO\nName Space in URN Form, followed by a colon, then the attribute name, all without\nspaces. This is another representation of the attribute. Business partners usually do\nnot need to refer to this column.\n\nExample VI-4. MISMO LDD Attribute URN Suffix.\n\nAttribute: LoanRoleType\nDefinition: Used as an attribute on LOAN to distinguish subject loans from related\n\nloans.\n\nContainer URN Suffix:\n\nurn:org:MISMO:residential:2009:LDD:LoanRoleType\n\nNotes: The URN Suffix is another way of identifying the attribute. This is formed as\n\n“MISMO Name Space:Attribute.”\n\nD. Arc Roles\n\nThe relationships of data points and containers are handled through containment; that is,\nthere can be a one-to-one or one-to-many relationship between the container and each\ncontainer and data point within.\n\nAn example of how the containment concept is implemented in ULDDS Appendix A is\nwith the PARTY container. Each PARTY container holds information about one party to a\ntransaction, as specified by the PartyRoleType. If the value of PartyRoleType is\n“Borrower,” all the data points within the parent PARTY container pertain to that one\nborrower and no one else.\n"}
diff --git a/chunks/json/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.json b/chunks/json/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.json
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index 0000000000000000000000000000000000000000..a9aacd566e07feef30f72a2ee0b1f4bc54431906
--- /dev/null
+++ b/chunks/json/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_58ffbda01ab17068","chunk_index":0,"chunk_sha256":"b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e15e7e10c4f35593","text_sha256":"b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/No_FEAR_Report___U_S__FEDERAL_HOUSING_fvpo0j.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/no-fear-report\"\ndate_accessed: \"2026-01-27T17:48:04.332Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.json b/chunks/json/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.json
new file mode 100644
index 0000000000000000000000000000000000000000..8644e1798d3d4ff139f0e72bb61630f7b3ec8fa3
--- /dev/null
+++ b/chunks/json/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2797,"char_start":1744,"chunk_id":"chk_79526b4ffb8a3b39","chunk_index":1,"chunk_sha256":"b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8cf8bfce52303d89","text_sha256":"b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd","token_estimate":263,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-aug-20-2025.pdf"]},"text":"Two ArcRoles have been established specifically for enabling the ‘Income Calculator’ messages in DU. The\nDU:VerificationReportSupplierType is ‘IncomeCalculator, the DU:VerificationReportType is ‘IncomeCalculator’, and the Income\nCalculator generated ID should be sent in the DU:VerificationReportIdentifier and associated with an instance of a borrower’s\nemployment or a borrower’s owned property asset (REO).\n\nLender Activation\n\nDuring the introductory period, lenders must opt-in to receive the new DU messages. Please review the FAQs for additional\ninformation.\n\nTesting/Support\n\nSample request files are available on the Technology Integration Resources webpage (see ‘Desktop Underwriter’). When you are\nready to begin testing, please contact income_calculator@fanniemae.com to secure testing documentation.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact\nincome_calculator@fanniemae.com, your Technology Integration Analyst, or Integration Support.\n\n© 2025 Fannie Mae\n\n8.20.25 1 of 1\n"}
diff --git a/chunks/json/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.json b/chunks/json/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.json
new file mode 100644
index 0000000000000000000000000000000000000000..73babe20711cc88b7dc6766f56d0b0ef98a347e7
--- /dev/null
+++ b/chunks/json/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":95430,"char_start":93816,"chunk_id":"chk_e854dd4ce17219d7","chunk_index":134,"chunk_sha256":"b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nSubject Property\n\nValuationUseType must be populated as “SubjectProperty” for the instance of the PROPERTY container that captures data about the\nsubject property.\n\nThe following example illustrates instance of the PROPERTY container representing the subject property.\n\nPage 33\n\nSales Comparable\n\nThe data associated with each comparable property used in the Sales Comparison Approach must be provided in an instance of the\nPROPERTY container with ValuationUseType populated as “SalesComparable”. The following example illustrates an instance of the\nPROPERTY container representing a Sales Comparable.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 34\n\nLand Comparable\n\nThe data associated with each comparable property used in the Cost Approach must be provided in an instance of the PROPERTY container\nwith ValuationUseType populated as “LandComparable”.\n\nRental Comparable\n\nThe data associated with each comparable property used in the Comparable Rental Analysis must be provided in an instance of the\nPROPERTY container with ValuationUseType populated as “RentalComparable”.\n\nProperty Analyzed Not Used\n\nThe ValuationUseType attribute must be populated as “PropertyAnalyzedNotUsed” on an instance of the PROPERTY container that has data\nabout the property that was considered by the appraiser for inclusion in the Sales Comparison Approach, but not used.\n\nGross Rent Multiplier Comparable\n\nValuationUseType must be populated as “GrossRentMultiplierComparable” for each comparable property used to determine the gross rent\nmultiplier for the Income Approach.\n"}
diff --git a/chunks/json/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.json b/chunks/json/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.json
new file mode 100644
index 0000000000000000000000000000000000000000..460bfc16e9e141e2e123d88503a3273a778d33f0
--- /dev/null
+++ b/chunks/json/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":389169,"char_start":387571,"chunk_id":"chk_157bada790450d17","chunk_index":217,"chunk_sha256":"b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"$300.00\n\nFigure 105. Adjustments to Items Paid Already by or on Behalf of Borrower at Closing\n\nThe data points used to provide this information are shown in the table below. Only one Adjustment item is\nshown in the illustration. If more adjustments are part of the transaction, repeat CLOSING_ADJUSTMENT for\neach item.\n\nTable 121. Adjustments to Items Paid Already by or on Behalf of Borrower at Closing\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n12.7.1\n\nRelocation Funds\n($)\n\n12.7\n\nN/A\n\n…/CLOSING_ADJUS\nTMENT_ITEM_DETA\nIL\n\nClosingAdjustmentIt\nemAmount\n\n300.00\n\nClosingAdjustmentIt\nemPaidOutsideOfCl\nosingIndicator\n\nfalse\n\nRelocation Funds\n\n12.7\n\nClosingAdjustmentIt\nemType\n\nRelocationFunds\n\nROF as “$300.00”\n\nNot reflected on\nform unless “true”\n\nROF as “Relocation\nFunds from\nEmployer, Inc.”\n\nAppendix E: UCD Implementation Guide\n\nPage 178 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\nTable 121. Adjustments to Items Paid Already by or on Behalf of Borrower at Closing\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n@gse:DisplayLabelT\next\n\nRelocation Funds\nfrom Employer, Inc.\n\nIntegratedDisclosur\neSectionType\n\nPaidAlreadyByOrOn\nBehalfOfBorrowerA\ntClosing\n\nSince this is a string\nfield, the text is\nrepresented on the\nform exactly as\nprovided.\n\nNot Shown\n\nIntegratedDisclosur\neSubsectionType\n\nAdjustments\n\nNot Shown\n\nFullName\n\nEmployer, Inc.\n\nROF as “from\nEmployer, Inc.”\n\n12.7\n\nN/A – XML\n\n12.7\n\nN/A - XML\n\n12.6\n"}
diff --git a/chunks/json/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.json b/chunks/json/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.json
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index 0000000000000000000000000000000000000000..b11eb5a37b5ed48bb6be2d6fa2f1fbc761285f41
--- /dev/null
+++ b/chunks/json/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_5fc448b017c3eb4e","chunk_index":0,"chunk_sha256":"b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4435ce779f140fb4","text_sha256":"b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Career_Opportunities___FHFA_519q7e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/careers\"\ndate_accessed: \"2026-01-27T17:47:50.317Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.json b/chunks/json/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.json
new file mode 100644
index 0000000000000000000000000000000000000000..582cc2cd7984a6a35ec7d2deffa20c1aaf7e46d4
--- /dev/null
+++ b/chunks/json/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15027,"char_start":13134,"chunk_id":"chk_bc17c8bb89f53411","chunk_index":8,"chunk_sha256":"b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c","token_estimate":473,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"2 Uniform Residential Appraisal Report\n\nFile # 3\n\n4 4a\n\nThis report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;\nincluding a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a\nmanufactured home or a unit in a condominium or cooperative project.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal\nassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do\nnot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s\ncontinuing education or membership in an appraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the\nreporting requirements of this appraisal report form, including the following definition of market value, statement of\nassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual\ninspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the\ncomparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,\nand (5) report his or her analysis, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.json b/chunks/json/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.json
new file mode 100644
index 0000000000000000000000000000000000000000..035c2c86c294885d2ba93c51d0fd35609ae8a801
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+++ b/chunks/json/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":60542,"char_start":58497,"chunk_id":"chk_641958fcdb456d41","chunk_index":32,"chunk_sha256":"b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554","token_estimate":512,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"93 LEI is reported both as part of the ULI under\n12 CFR 1003.4(a)(1) and in the HMDA transmittal\nsheets under 12 CFR 1003.5(a)(3)(vii). The\nEnterprises do not collect HMDA transmittal sheets,\nso they currently collect the LEI only via the ULI.\n\n94 84 FR at 657, 660.\n95 80 FR at 66197–66198.\n96 12 CFR 1003.4(a)(12).\n97 FHFA 2010 Order, 75 FR at 41185 (adding a\nRate Spread data element to the PUDB that aligned\nwith the HMDA 2010 definition).\n\nReverse Mortgage, Open-End Line of\nCredit, and Prepayment Penalty Term:\nReverse Mortgage indicates that the loan\nwas a reverse mortgage.98 Open-End\nLine of Credit indicates an open-end\nline of credit secured by a dwelling,\nsuch as a home equity line of credit.99\nPrepayment Penalty Term discloses the\nlength of any prepayment penalty term\nduring which a charge is imposed for\npre-paying all or part of the principal\nprior to the contractual due date.100 The\nEnterprises do not collect these new\nHMDA data elements because they\nrelate to loan types the Enterprises do\nnot purchase and, thus, are not available\nfor reporting. Accordingly, these data\nelements are not available for inclusion\nin the Single-Family PUDB.\n\nBusiness or Commercial Purpose:\n\nBusiness or Commercial Purpose\nindicates whether the loan was used for\na business or commercial primary\npurpose.101 The Enterprise data\npartially aligns with the Business or\nCommercial Purpose definition in\nRegulation C. The Enterprises do not\ncollect the data needed to determine\nwhether principal or second residence\nsingle-family loans are Business or\nCommercial Purpose under Regulation\nC.102 FHFA will not require the\nEnterprises to collect this data solely to\npopulate the PUDB. However, all\nEnterprise single-family investor loans\nare, by definition, Business or\nCommercial Purpose under Regulation\nC.103 Because the single-family investor\nloan data is already captured in other\nPUDB data elements (Number of Units\nand Occupancy Code (Investment\nProperty)), a separate Business or\nCommercial Purpose data element will\nnot be added to the PUDB.\n"}
diff --git a/chunks/json/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.json b/chunks/json/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.json
new file mode 100644
index 0000000000000000000000000000000000000000..5087cffec40bc229fffdbca10c14627a74d89ddb
--- /dev/null
+++ b/chunks/json/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":407499,"char_start":405894,"chunk_id":"chk_19edfcae315c208f","chunk_index":227,"chunk_sha256":"b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The lender must use Fannie Mae/Freddie Mac uniform instruments to document the permanent mortgage. These documents may\nnot be altered to include any reference to construction of the property, other than any alteration that Fannie Mae specifically\nrequires.\n\nAttached units in a condo project and all co-op properties are ineligible for construction-to-permanent financing. Detached units\nin condo projects are permitted for construction-to-permanent financing, including manufactured homes in a condo project\n(subject to applicable project review requirements).\n\nFor guidance on data entry for construction-to-permanent transactions in DU, see the related Desktop Underwriter Job Aid.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 166 of 166\n\nUAD 3.6 Policy\n\nSB5-3.1-02, Conversion of Construction-to-Permanent Financing: Single-\nClosing Transactions (11/05/2025)\n\nIntroduction\n\nThis topic contains information on construction-to-permanent financing loan eligibility for single-closing transactions, including:\n\n•\nSingle-Closing Transaction Overview\n•\nTerms of Construction Loan Period for Single-Closing Construction-to-Permanent Mortgages\n•\nEligible Loan Purposes for Single-Closing Construction-to-Permanent Mortgages\n• Calculating the LTV Ratio for Single-Closing Construction-to-Permanent Mortgages\n• Down Payment Requirements for Single-Closing Purchase Transactions\n• Modifications of Single-Closing Construction-to-Permanent Mortgages\n• Underwriting Single-Closing Construction-to-Permanent Mortgages\n• Age of Credit Documents\n• Age of Appraisal Documents\n• Requalification Requirements\n•\n"}
diff --git a/chunks/json/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.json b/chunks/json/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.json
new file mode 100644
index 0000000000000000000000000000000000000000..d28ff75fb279885f315880758f57358c7d6bfb6a
--- /dev/null
+++ b/chunks/json/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":955885,"char_start":954992,"chunk_id":"chk_606d3ebfb281cc6c","chunk_index":569,"chunk_sha256":"b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The sum of this field 3-103 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-99, 3-101, 3-105, 3-107,\n3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nThe sum of this field 3-105 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-107,\n3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nThe sum of this field 3-107 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-105,\n3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nIf field 3-44 is populated, then this field\nshould be populated.\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nR\n\nCR\n\nR\n\nCR\n\nT\n\nCR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n"}
diff --git a/chunks/json/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.json b/chunks/json/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.json
new file mode 100644
index 0000000000000000000000000000000000000000..fcbfd92bf1dc31edcfa19e81a41fc845610d8e62
--- /dev/null
+++ b/chunks/json/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":389256,"char_start":387586,"chunk_id":"chk_2221e73712cf67c5","chunk_index":230,"chunk_sha256":"b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nIf Repair is selected, the estimated cost to repair may be provided in\nthe Reconciliation section.\n\nVehicle Storage Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n13.010 Vehicle Storage\n\nIf applicable\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Vehicle Storage\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n\nVehicle Storage Exhibits\n\nAll photos or images related to the Vehicle Storage section are displayed in the Vehicle Storage Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nVehicle Storage Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nVehicle Storage\nExhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos relevant to the Vehicle Storage section may be provided, which display\nin Vehicle Storage Exhibits. If the photo or image is not specifically indicated,\nprovide a caption to further identify the photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 165 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n14 Subject Property Amenities\n\n14 Subject Property Amenities\n\nThe Subject Property Amenities section provides information about the amenities on the property, whether on\nthe site or inside dwelling(s) or outbuilding(s). The section provides space for additional commentary, exhibits,\nand any apparent defects, damages, or deficiencies.\n"}
diff --git a/chunks/json/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.json b/chunks/json/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.json
new file mode 100644
index 0000000000000000000000000000000000000000..846839e77b8d60bc5490e8c9b941769e41a4ebec
--- /dev/null
+++ b/chunks/json/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":430968,"char_start":429359,"chunk_id":"chk_d1df09308c2ff4d7","chunk_index":240,"chunk_sha256":"b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf","token_estimate":402,"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•\n\n•\n\nSFC 215\nSFC 279\nSFC 375 and\nSFC 773\n\nSFC 375\n\n• when the renovation is not complete\n\n•\n\nthe loan is delivered with recourse\n\n•\n\nSFC 215\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 174 of 166\n\nUAD 3.6 Policy\n\n• when the renovation is complete\n\n• no recourse obligation applies\n\n•\n\nSFC 279\n\nIf the renovation includes…\n\nThen…\n\nAnd the lender must deliver…\n\nRemoval of Recourse\n\nFor loans delivered with recourse, the lender may request the recourse obligation be removed when the renovation is complete.\nThe following criteria will be applicable to the removal of recourse:\n\n• Recourse will not be removed if the loan is delinquent when the lender requests removal.\n•\n\nIf the borrower was 1 x 30 days delinquent at any point during the renovation work, but is current when removal is\nrequested, the recourse may be removed.\nIf the borrower had more than one 30 day delinquency or was ever 60 - 90 days delinquent, the lender may request\nrecourse removal after the borrower has made 36 payments with no delinquencies.\n\n•\n\nTo request removal of recourse, the lender must submit a Restricted Appraisal Update Report and/or Completion Report to Loan\nQuality Connect. Submissions must meet the following requirements:\n\n•\n\nThe Fannie Mae loan number(s) must be identified in the request and attached documents must have the loan numbers\nin the title.\n\n• Documents must be clear and complete. For example, photos must be provided as exhibits to verify completed\n\nrenovations with all submissions.\n\nSee SB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report, for additional information.\n"}
diff --git a/chunks/json/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.json b/chunks/json/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.json
new file mode 100644
index 0000000000000000000000000000000000000000..c6a1419ebacde5929e6597a95a6d845dbb4e1ca7
--- /dev/null
+++ b/chunks/json/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34704,"char_start":33012,"chunk_id":"chk_937962d5d36edb52","chunk_index":20,"chunk_sha256":"b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7","token_estimate":423,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Cost Approach Commentary\n\nCost Approach Exhibits\n\nCost Method\nDepreciation Method\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n\nIncome Approach\n\nCost Approach\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\n\nPro Rata Share Calculation Method\n\nMarket Value Condition\n\nFinal Value Condition Statement\n\n(Cooperative Interest)\n\nReasonable Exposure Time\nEffective Date of Appraisal\nFHA REO Insurability Level\n\nThe market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the\nblanket mortgage(s).\n\nClient Requested Conditions\n\nValue Condition\n\nMarketing or Exposure Time\n\nDuration\n\nAlternate Opinion of Value\n\nRequested Condition Commentary\n\nReconciliation of Market Value\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost\nto Repair\n\nFeature\nSite\n\nLocation\n\nDescription\n\nDwelling Exterior - [Structure Identifier]\n\nUnit Interior - [Structure Identifier] - [Unit Identifier]\n\nOutbuilding - [Outbuilding Type]\n\nUnit Interior - [Outbuilding Type] - [Unit Identifier]\n\nVehicle Storage\n\nSubject Property Amenities\n\nAs Is Overall Condition Rating\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n"}
diff --git a/chunks/json/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.json b/chunks/json/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.json
new file mode 100644
index 0000000000000000000000000000000000000000..959d97cb26c96282bcd86c65dbe549c5ea6dce41
--- /dev/null
+++ b/chunks/json/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12502,"char_start":8710,"chunk_id":"chk_93d1786c910737e2","chunk_index":5,"chunk_sha256":"b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e28f853a51952cd8","text_sha256":"b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa","token_estimate":948,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Chief_FOIA_Officer_Report___U_S__FEDERAL_HOUSING_8uekob.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/201&order=field_release_date&sort=asc) Report Attachment February 14, 2025 [2025 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2025) [Read Report](/document/FHFA-2025-Chief-FOIA-Officer-Report.pdf) April 08, 2024 [2024 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2024) [Read Report](/document/fhfa-2024-chief-foia-officer-report) March 10, 2023 [2023 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2023) [Read Report](/document/2023-fhfa-chief-foia-officer-report) March 22, 2022 [2022 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2022) [Read Report](/media/30521) March 12, 2021 [2021 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2021) [Read Report](/media/30181) March 11, 2020 [2020 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2020) [Read Report](/media/30146) March 07, 2019 [2019 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2019) [Read Report](/media/29941) March 13, 2018 [2018 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2018) [Read Report](/media/29851) March 13, 2017 [2017 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2017) [Read Report](/media/25396) March 14, 2016 [2016 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2016) [Read Report](/media/30291) March 16, 2015 [2015 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2015) [Read Report](/media/25206) March 11, 2014 [2014 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2014) [Read Report](/media/24891) February 27, 2013 [2013 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2013) [Read Report](/media/24966) March 12, 2012 [2012 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2012) [Read Report](/media/24961) March 08, 2011 [2011 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2011) [Read Report](/media/24941) March 22, 2010 [2010 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2010) [Read Report](/media/24846)\n"}
diff --git a/chunks/json/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.json b/chunks/json/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.json
new file mode 100644
index 0000000000000000000000000000000000000000..e6fd61257a78bd3128180adaf97a2e735b8b4959
--- /dev/null
+++ b/chunks/json/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":52985,"char_start":51363,"chunk_id":"chk_8a85916fc83217a0","chunk_index":30,"chunk_sha256":"b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd","token_estimate":406,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"11\n\n6\n\nami_hud\n\nArea Median Family\nIncome (2024)\n\n999999 = Not available\n\n12\n\n9\n\nupb_acq\n\nAcquisition Unpaid\nPrincipal Balance (UPB)\n\n999999999 = Not available\n\nThe ratio of the 2020 census tract median\nincome to the local area median income. This\nfield is not required for calculating\nperformance for the multifamily housing goal\nor subgoal. It is provided here for\ninformational purposes.\nFor properties in MSAs, the MSA median family\nincome, and for properties outside MSAs, the\ncounty median family income or the State non-\nmetropolitan median income, whichever is\ngreater, for the reporting year (i.e. , the year of\nmortgage acquisition by the Enterprise). It is\nbased on HUD’s median family income\nestimates as established annually for use in\ndetermining eligibility for various assisted\nhousing programs. The values for this field are\nsupplied by FHFA.\n\nThe UPB when the Enterprise acquired the\nmortgage. The UPB is reported as the\nmidpoint for the $10,000 interval into which\nthe reported value falls to conform with CFPB\nPrivacy Guidance.\n\nMF CTF\n\n40\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n13\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\npurpose_ctf\n\nPurpose of Loan\n\nPurpose of loan reported by the Enterprise.\n\n1 = Purchase\n2 = Refinancing (not cash-out or\nunknown type of refi)\n4 = Home Improvement/Rehabilitation\n7 = Refinancing (cash-out)\n9 = Not applicable/not available/other\n\n14\n\n1\n\nseller_type_mf_ctf\n\nType of Seller Institution 1 = Mortgage company\n"}
diff --git a/chunks/json/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.json b/chunks/json/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.json
new file mode 100644
index 0000000000000000000000000000000000000000..e83617dae474225244145c92dc1f8c5dbaeaa113
--- /dev/null
+++ b/chunks/json/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32977,"char_start":31371,"chunk_id":"chk_7c99c1d43f509e1c","chunk_index":34,"chunk_sha256":"b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Figure 04 - 1\n\n05 Completion Status\n\nThe Completion Status section displays when Market Value Condition from the original appraisal included “Subject to Completion Per Plans”.\n\nPage 23\n\nThe content of this section varies depending on whether construction is complete and whether it was completed in accordance with the original plans and\nspecifications.\n\n• Display subsection when Market Value Condition - PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003) =\n\n\"SubjectToCompletionPerPlans\"\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: Completion Status\n\n05.001\n\nIs construction complete?\n\n2800.0010\n\nPropertyImprovementsCompletedIndi\ncator\n\nCheckbox displays when\nPropertyValuationConditionalConclusionType (UID: 2800.0002,\nFID: 02.003) = \"SubjectToCompletionPerPlans\"\n-\n\nImages for the completed construction must be provided\nand display in Completion Report Exhibits\n\n05.002\n\nWas construction\ncompleted in a manner\n\n2800.0011\n\nPropertyImprovementsCompletedPer\nPlansIndicator\n\nCheckbox displays when\nPropertyImprovementsCompletedIndicator = \"true\"\n\nPage 24\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: Completion Status\n\nconsistent with the original\nplans and specifications?\n\n05.003\n\nFeature\n\n2800.0003\n\nSubjectToCompletionFeatureDescripti\non\n\nDisplay when\nPropertyImprovementsCompletedPerPlansIndicator = “false”\n-\nImages for the Feature(s) Inconsistent with Original Plans\nand Specs must be provided and display in Completion\nReport Exhibits\n\n05.004\n\nLocation\n\n2800.0004\n"}
diff --git a/chunks/json/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.json b/chunks/json/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.json
new file mode 100644
index 0000000000000000000000000000000000000000..632f2c6992b0b230d57ad69509bd6fbdef6030b0
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+++ b/chunks/json/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.json
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+{"chunk":{"char_end":1751,"char_start":0,"chunk_id":"chk_3c0ae1a4572a9f3c","chunk_index":0,"chunk_sha256":"b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b9cb6f1f19624831","text_sha256":"b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80","token_estimate":535,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Non_Performing__NPL__and_Re_Performing_Loan__RPL___rg2ark.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/non-performing-re-performing-loan-sales\"\ndate_accessed: \"2026-01-27T17:47:50.339Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.json b/chunks/json/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.json
new file mode 100644
index 0000000000000000000000000000000000000000..c388778698b28244a4ebada0c5e308cac81a108d
--- /dev/null
+++ b/chunks/json/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13187,"char_start":11300,"chunk_id":"chk_65931c6faca6617c","chunk_index":7,"chunk_sha256":"b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440","token_estimate":472,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"2021-11-12\n\n49900\n\nSale\n\n17424\n\n124383 Whitecrest Rd\n\nSomecity\n\nAlpine\n\n12345\n\nTN\n\n3\n\n25.165176\n\n-51.328122\n\nAssessorUnformattedIdentifier\n\nERW 12354823 - 13\n\n2021-07-15\n\n25500\n\nSale\n\n12462\n\n235813 Anywhere St\n\nSomecity\n\nAlpine\n\n12345\n\nTN\n\n4\n\n25.165177\n\n-51.328121\n\nAssessorUnformattedIdentifier\n\nERW 14885329 - 23\n\n2019-06-16\n\n38500\n\nSale\n\n14000\n\nMBG 12344523\n\nClient\n\nNowhere432159\n\nValuationSoftwareVendor\n\nCost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their foundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known cost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.\nThe total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4% per year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks, patio, and porch.\n\nReplacement\n\nComparativeUnit\n\n201410\n\nEconomicAgeLife\n\n38500\n\nThe land sale comparables were selected from sales of unimproved sites suitable for manufactured homes located within the subject's market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight due to comparability in size and location within a mile of recreational areas that are similar to the park that is a half of mile from the subject. Comparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of a landfill facility. The subject's land sale in 2019 (comparable #4) was also taken into consideration. The subject's site was valued at $2.70 per square foot.\n"}
diff --git a/chunks/json/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.json b/chunks/json/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.json
new file mode 100644
index 0000000000000000000000000000000000000000..ac550829567556bb5ed3b04fc19670728a07b733
--- /dev/null
+++ b/chunks/json/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3516,"char_start":1907,"chunk_id":"chk_0ea4f9663bc4ca70","chunk_index":1,"chunk_sha256":"b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2c97a2a118f4ef52","text_sha256":"b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-25-2025.pdf"]},"text":"Additional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and\nDescription\n\nURL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lenders Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\n© 2024 Fannie Mae. Trademarks of Fannie Mae.\n\n12.18.24 1 of 2\n\nDocument Name and\nDescription\n\nURL\n\nVA Circulars\n\nVA Loan Limits\n\nhttps://www.benefits.va.gov/HOMELOANS/resources_circulars.asp\n\nhttps://www.va.gov/housing-assistance/home-loans/loan-limits/\n\nVA Regional Loan Centers: Contact\nInformation\n\nFor More Information\n\nhttps://www.benefits.va.gov/homeloans/contact_rlc_info.asp\n\nMore information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.\nAdditionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should\ncontact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers\nshould contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage\nbrokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).\n"}
diff --git a/chunks/json/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.json b/chunks/json/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.json
new file mode 100644
index 0000000000000000000000000000000000000000..352e0dc81eeff5d3abdcc82542b3eb4271befda4
--- /dev/null
+++ b/chunks/json/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":402707,"char_start":401106,"chunk_id":"chk_650fea42b5bfee2c","chunk_index":232,"chunk_sha256":"b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"148 Sq. Ft.\n\n$0\n\n$0\n\nBelow Grade Exterior Access\n\nWalk Out\n\nWalk Up\n\n$2,000\n\nWalk Up\n\n$2,000\n\nWalk Out\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nRoof\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nKitchen\n\nOverall Flooring\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nQ4\n\nVinyl\n\nComposition\n\nComposition\n\nComposition\n\nComposition\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nC4\n\nQ4\n\nC4\n\nNot Updated\n\nNot Updated\n\nPartially Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 15 of 21\nPage 15 of 21\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n123 Falling Tree Ct\nTreeville, VA 12345\n\n241 Rapid Creek Ln\nTreeville, VA 12345\n\n188 Fallen Oak Ct\nTreeville, VA 12345\n\n210 Cannon Ball Rd\nTreeville, VA 12345\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWater Features\n\nMiscellaneous\n\nVehicle Storage\n\nType | Spaces | Detail\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nQ4\n\nC4\n\nQ4\n\nC4\n\n$(5,000)\n\nQ4\n\nC4\n\n$(1,000)\n\nQ4\n\nC4\n\n$(1,000)\n\nDeck | Porch\n\nDeck | Patio\n\n$6,000\n\nPatio | Porch\n\n$2,000\n\nDeck | Patio\n\n$6,000\n\n—\n\nMedia Room | Wet Bar\n\n—\n\n—\n\n$6,000\n"}
diff --git a/chunks/json/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.json b/chunks/json/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.json
new file mode 100644
index 0000000000000000000000000000000000000000..e811529f5a1a9c31c82cae7467f31fbd7847a098
--- /dev/null
+++ b/chunks/json/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4968,"char_start":3283,"chunk_id":"chk_98aab863bbfce1d6","chunk_index":2,"chunk_sha256":"b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f92a0f8838f55a9e","text_sha256":"b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-procedures.pdf"]},"text":"2121 13th Avenue\nLas Vegas, NV 89109\n\n1234 Warford Street\nDawson, IA 50066\n\n000-88-9999\n\n595, 625, 610\n\n000-11-2222\n999-44-5555\n\n000-66-7777\n\n547, 555, 525\n521, 530, 515\n\n525, 560, 585\n\n500-50-7000\n\n650, 639, 620\n\n999-60-1111\n\n640, 636, 620\n\n000-00-0002\n000-00-0003\n\n001-01-0021\n\n710, 680, 685\n720\n\n678, 702, 692\n\n999-47-8801\n\n658, 584, 641\n\n666-00-6666\n\n525, 515, 497\n\n999-00-1147\n999-00-9066\n\n999-72-5641\n\n685, 645, 691\n\n660, 670, 680\n\n999-42-2345\n\nNA (No score)\n\n000-01-0001\n\n710, 703\n\nN O T E : The borrowers used for DU testing and training purposes are fictitious and do not relate to real\npeople. The names, addresses, Social Security numbers, and ITINs were created at random, and any\nsimilarity with real individuals is unintentional.\n\nTo order these test credit reports, follow these instructions:\n\n Correctly enter “borrowers” and “co-borrowers.” For example, always enter John Homeowner as the\n\nborrower and Mary Homeowner as the co-borrower in the loan application.\n\n Request “joint” credit when the borrower and co-borrower are listed together. For example, order joint\n\ncredit for John and Mary Homeowner. Request “individual” credit when a borrower is listed individually.\n\n You can combine test borrowers and co-borrowers to create a three-or four-borrower loan\n\napplication. Order the appropriate joint or individual credit reports, as applicable.\n\n Actual reissues on the test borrowers cannot be obtained. The system will return a new report.\n\nN O T E : Although the credit scores are not used in determining the recommendation, they do indicate the\nrelative level of credit risk for each test case. For the test borrowers, the credit scores have been estimated\n"}
diff --git a/chunks/json/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.json b/chunks/json/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.json
new file mode 100644
index 0000000000000000000000000000000000000000..2ff5ef25c7fe1f434da5fbc60c0a8b78e36afa50
--- /dev/null
+++ b/chunks/json/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31213,"char_start":29373,"chunk_id":"chk_eb05033b18d6a1e5","chunk_index":16,"chunk_sha256":"b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039","token_estimate":460,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"24. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\n25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or\ncriminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States\nCode, Section 1001, et seq., or similar state laws.\n\nSUPERVISORY APPRAISER’S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:\n\n1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s\nanalysis, opinions, statements, conclusions, and the appraiser’s certification.\n\n2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the\nappraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.\n\n4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and\npromulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was prepared.\n"}
diff --git a/chunks/json/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.json b/chunks/json/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb5619e1e8d9257c2b8a9d61f6014675d82611b3
--- /dev/null
+++ b/chunks/json/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1646,"char_start":0,"chunk_id":"chk_6feba2c603d2ee5c","chunk_index":0,"chunk_sha256":"b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9ac99dac9cb373c5","text_sha256":"b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-june-11-2022.pdf"]},"text":"DU for Government Loans Integration Impact Memo\nJune 2022 Release\n\nMay 11, 2022\n\nDuring the weekend of June 11, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the changes\nspecified below. These changes will apply to new loan casefiles submitted on or after the weekend June 11, 2022.\n\nN O T E : For the sake of clarity, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nVA Risk Assessment Update (VA Version 3.0)\n\nTo better align with current market conditions, the risk assessment applied to VA loan casefiles will be updated to VA Version 3.0.\nThe changes in this release will apply to new VA loan casefiles submitted to DU on or after the weekend of June 11, 2022.\n\nLoan casefiles that were submitted to DU for government loans (FHA or VA) prior to the weekend of June 11, 2022 and\nresubmitted as a VA loan casefile after the weekend of June 11 will continue to be underwritten through VA Version 2.1.\n\nHow will this affect my integrated system(s)?\n\nThere will be no impact to customers’ integrated system(s) for this release. The only visual change will be to the Version Number\nreturned in the DU Underwriting Findings File:\n\nBefore implementation - Version Number: 2.1\n\nAfter implementation - Version Number: 3.0 (New VA Submissions Only)\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and\nDescription\n\nURL\n\nVA Lenders\nHandbook\n\nVA Circulars\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\nhttp://www.benefits.va.gov/homeloans/new.asp\n\nVA Loan Limits\n\nhttp://www.benefits.va.gov/homeloans/loan_limits.asp\n"}
diff --git a/chunks/json/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.json b/chunks/json/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.json
new file mode 100644
index 0000000000000000000000000000000000000000..2eb0949907b27c96d438c5fb2f9fc1f4af35f022
--- /dev/null
+++ b/chunks/json/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":380600,"char_start":378988,"chunk_id":"chk_68298dc3f1893809","chunk_index":304,"chunk_sha256":"b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 294\n\nAdditional Properties Analyzed Not Used\n\nThe Additional Properties Analyzed Not Used subsection displays when relevant:\n•\nInitially, for the appraiser to provide additional context to the reader, or\n• As part of any reconsideration process\n\nProperties noted in this subsection have @ValuationUseType = \"PropertyAnalyzedNotUsed\".\n\nReport\nField ID\n22.17.01\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\n#\n\n1900.0017\n\nPropertyOrdinalNumber\n\nSales Comparison Approach: Additional Properties Analyzed Not Used\n\n22.17.02\n\nProperty Address\n\n22.17.04\n\nStatus\n\n1900.0001\n\nAddressLineText\n\n1900.0018\n\nAddressUnitDesignatorType\n\n1900.0002\n1900.0003\n1900.0004\n1900.0005\n1900.0007\n\nAddressUnitIdentifier\nCityName\nPostalCode\nStateCode\nListingStatusType\n\nDisplay when @ValuationUseType = \"PropertyAnalyzedNotUsed\"\n\n22.17.03\n\nSale Date\n\n1900.0013\n\nOwnershipTransferDate\n\nDisplay when ListingStatusType = \"Settled Sale\" AND Exists\n\n22.17.05\n22.17.06\n\nReason Not Used\nComment\n\n1900.0011\n1900.0009\n\nReasonPropertyNotUsedType\nAdditionalPropertyAnalyzedNotUsedText\n\nDisplay when @ValuationUseType = \"PropertyAnalyzedNotUsed\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSales Comparison Map\n\nThe Sales Comparison Map displays when SalesComparisonApproachIndicator = \"true\".\n\n−\n\nImageCategoryType (UID: 1400.0915, FID: Not on report) = “SalesComparableMap” (does not display)\n\nPage 295\n\nSales Comparison Approach Exhibits\n\nThe Sales Comparison Approach Exhibits subsection is where the larger images of the thumbnails of the comparables display. Additional\nimages may also be provided.\n\nComparable Photos\n"}
diff --git a/chunks/json/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.json b/chunks/json/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.json
new file mode 100644
index 0000000000000000000000000000000000000000..f49d9c335a4fc5f50e0613c8ceb9dfb79d775959
--- /dev/null
+++ b/chunks/json/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":868980,"char_start":867314,"chunk_id":"chk_616e4db8adf94049","chunk_index":516,"chunk_sha256":"b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n·Address unit designator and number.\nThis data is referenced more than once on the form (fields 1-7, 3-12a, 6-20a) and must\nbe represented consistently.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· City\nThis data is referenced more than once on the form (fields 1-8, 3-12b, 6-20b) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c), and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-10, 2-12d 6-20d) and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis data is referenced more than once on the form (fields 1-18, 3-13) and must be\nrepresented consistently to the extent the available space permits.\n"}
diff --git a/chunks/json/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.json b/chunks/json/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.json
new file mode 100644
index 0000000000000000000000000000000000000000..0785035f1eb70b738ce453894f05b5c08657c331
--- /dev/null
+++ b/chunks/json/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15876,"char_start":14595,"chunk_id":"chk_41ddc448149822da","chunk_index":7,"chunk_sha256":"b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3c05547914d2d653","text_sha256":"b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b","token_estimate":469,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____U_S__FEDERAL_HOUSING_jq52sh.md"]},"text":"- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - …\n - [Next](?page=1)\n - [Last](?page=10)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.json b/chunks/json/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.json
new file mode 100644
index 0000000000000000000000000000000000000000..f4a4b721b11dcf7a5061a45837a57fde77a8e3ab
--- /dev/null
+++ b/chunks/json/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":390862,"char_start":389258,"chunk_id":"chk_4e621951408204b2","chunk_index":231,"chunk_sha256":"b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Subject property amenities are solely owned or restricted to use by the property owner, and do not include:\n• Project amenities that are owned and maintained by the HOA and subject to shared use\n\no These are reported in the Project Information section (18.012).\n\n• Waterfront improvements, such as piers, docks, and bulkheads\n\no These are reported in Water Frontage with Private Access in the Site section (4.031).\n\n• Site characteristics and view\n\no These are reported in the Site section (4.062-4.065 and 4.039-4.042).\n\nGeneral Information\n\nSubject property amenities include items such as fireplaces, decks, porches, patios, and pools. Each amenity is\nassociated with one of the specific amenity categories. These amenity categories group similar amenities\ntogether for inclusion as individual line entries in the Sales Comparison Approach section.\n\nNote: Amenity Count may be used when there is no Detail (14.004) about the amenity to be reported.\n\nAmenity Examples in Subject Property Amenities and Sales Comparison Approach\n\nIn this example, the subject has 2 decks and 2 indoor fireplaces.\n\nThe decks and fireplaces are also brought into the Sales Comparison Approach (22.12.01 - 22.12.05).\n\nAppendix F-1: URAR Reference Guide\n\nPage 166 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n14 Subject Property Amenities\n\nAmenity Categories and Types\n\nSubject Property Amenities\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n14.000 N/A\n\nAlways required\n\nYes | No\n\n14.001 Amenity\nCategory\n\nThere must be at least\none amenity and\ncategory if Property\nAmenities Exist is Yes\n"}
diff --git a/chunks/json/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.json b/chunks/json/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.json
new file mode 100644
index 0000000000000000000000000000000000000000..bd81d7603f9e7db7b52224c945024127e5dd42ff
--- /dev/null
+++ b/chunks/json/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14559,"char_start":12957,"chunk_id":"chk_eb7c24c7c9a98793","chunk_index":8,"chunk_sha256":"b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Subject Transfer History\n\nPrior sales and/or transfers of the subject property (minimum 3 year look back)\nDate\nTransfer Terms\n10/30/2018\nTypically Motivated\n\nAmount\n$250,000\n\nAnalysis of Prior Sale and Transfer History of Subject Property This was a builder sale.\n\nData Source\nMLS\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\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\n4\n\n5\n\nTypically Motivated\n\n07/17/2020\n\n$300,000\n\nNone\n\nNone\n\nTypically Motivated\n\n04/15/2019\n\n$275,000\n\nMLS\n\nMLS\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 10 of 19\nPage 10 of 19\n\nPG BRK\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nHeating\n\nUnit(s)\n\nBedrooms\n\nSubject Property\n\nComparable # 1\n\nComparable #2\n\nComparable #3\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n318 Pine Crest Rd\nAnytown, MD 09992\n\n231 Beech Tree St\nAnytown, MD 09992\n\n431 Holly Ave\nAnytown, MD 09992\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n"}
diff --git a/chunks/json/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.json b/chunks/json/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.json
new file mode 100644
index 0000000000000000000000000000000000000000..2c0f293490d32661b80818bde9871d0615008802
--- /dev/null
+++ b/chunks/json/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1721,"char_start":0,"chunk_id":"chk_d0c0adff35b64676","chunk_index":0,"chunk_sha256":"b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7223c369be3422fa","text_sha256":"b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Financial_Technology__FinTech____FHFA_fowa7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/fintech\"\ndate_accessed: \"2026-01-27T17:54:20.531Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.json b/chunks/json/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.json
new file mode 100644
index 0000000000000000000000000000000000000000..932f100306b96b96de3f47a55e125f08a34b2595
--- /dev/null
+++ b/chunks/json/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35121,"char_start":34638,"chunk_id":"chk_233c34270c7fb41e","chunk_index":51,"chunk_sha256":"b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 153\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 155\n"}
diff --git a/chunks/json/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.json b/chunks/json/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.json
new file mode 100644
index 0000000000000000000000000000000000000000..af46e29f926e14fcf0487d9ca1d8fc4cbc10159d
--- /dev/null
+++ b/chunks/json/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10958,"char_start":9255,"chunk_id":"chk_670a0843c3c85aea","chunk_index":5,"chunk_sha256":"b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_22e6cfd16b8e8aa4","text_sha256":"b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Risk_Scenarios___FHFA_u6imiv.md"]},"text":"To ensure that the resulting shock scenarios are plausible, FHFA uses a technique known as parsimonious factorization to represent each yield curve as a five-factor equation, and then applies measures of the shock made in parameter space to the current yield curve parameters to construct a shocked yield curve. This approach facilitates a straightforward means to impose a set of plausibility constraints on interest rate shocks.\n\nThe FHFA scenarios contain term point shocks to SOFR, OIS, Treasury, and Federal Home Loan Bank System Cost of Funds yield curves. Banks that must involve other miscellaneous rates to estimate portfolio value may determine shocked values for those rates by applying a constant measure of the current yield curve spread between the miscellaneous rate and any one of the four rates that FHFA provides. A shocked miscellaneous yield curve can then be derived by applying the constant measure of spread to the shocked version of the selected FHFA provided yield curve.\n\nThe FHFA scenarios also contain shocks to implied volatility and Agency option-adjusted spreads (OAS). Implied volatility shocks are provided for at-the-money (ATM) swaptions, and in- and out-of-the-money caps in the form of level shifts to the volatility surface. These level shifts are estimated based upon the long-term, reduced form relationship between changes in the level of the implied volatility surface and changes in the term structure of interest rates. Agency OAS shocks are provided for both SOFR and Treasury discounted OAS. These OAS shocks are estimated based upon the long-term, reduced form relationship between changes in Agency OAS and changes in the term structure of interest rates.\n"}
diff --git a/chunks/json/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.json b/chunks/json/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.json
new file mode 100644
index 0000000000000000000000000000000000000000..6e78a0d906223e1b827a8eeafd0717c4c79c9368
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+++ b/chunks/json/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11508,"char_start":10092,"chunk_id":"chk_347d3aec76de9a4e","chunk_index":6,"chunk_sha256":"b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1","token_estimate":414,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"$ 15\n\nSUBJECT\n\nDESCRIPTION\n\nFEATURE\nAddress and 11\nUnit # 12a 12b 12c12d\nProject Name and 13\nPhase 14\nProximity to Subject\nSale Price\nSale Price/Gross Liv. Area $ 16 sq. ft.\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nHOA Mo. Assessment\nCommon Elements\nand Rec. Facilities\nFloor Location\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n\ne-14; e-15; e-16\n23\n24\n25\n26\n27\ne-5; e-6; e-7\n29\n30\ne-17; 31\n 32\n\n34\n\n35\n36 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n39\n40\n41\n42\n43\n45\n47\n49\n\n44\n46\n48\n\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nSummary of Sales Comparison Approach 118\n\nCOMPARABLE SALE # 1\n50\n51a 51b 51c 51d\n52\n53\n54\n\n$ 55\n\nCOMPARABLE SALE # 2\n50\n51a 51b 51c 51d\n52\n53\n54\n\n$ 55\n\nCOMPARABLE SALE # 3\n50\n51a 51b 51c 51d\n52\n53\n54\n\n$ 55\n\n$ 56 sq. ft.\n\n$ 56 sq. ft.\n\n$ 56 sq. ft.\n\ne-25; e-2\n58\n\ne-25; e-2\n58\n\ne-25; e-2\n58\n\nDESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n59\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n67\n69\n71\n73\n75\ne-5; e-6; e-7\n79\n81\ne-17; 83\n85\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n98\n100\n102\n104\n106\n108\n110\n112\n + -\n114\nNet Adj. 116a %\nGross Adj. 116b %\n"}
diff --git a/chunks/json/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.json b/chunks/json/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.json
new file mode 100644
index 0000000000000000000000000000000000000000..c51d0047e267ca5114acaf8f36f142e0470fd7ff
--- /dev/null
+++ b/chunks/json/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":510013,"char_start":507952,"chunk_id":"chk_322066d9a52ae52b","chunk_index":290,"chunk_sha256":"b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f","token_estimate":515,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":".../CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nClosingAdjustmentIt\nemAmount\n\n-5000.00\n\nROF as “-$5,000.00”\n\nClosingAdjustmentIt\nemType\n\nGrant\n\n@gse:DisplayLabelT\next\n\nGrant\n\nROF as “Grant”\n\nIntegratedDisclosur\neSectionType\n\nPayoffsAndPayments\n\nNot Shown\n\nAppendix E: UCD Implementation Guide\n\nPage 239 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n25.0 Payoffs and Payments - UPDATED\n\nTable 157. Payoffs and Payments Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n25.1 Grant from\nCommunity\nLending Program\npaid to Ficus Bank\n\n…/CLOSING_ADJUST\nMENT_ITEM_PAID_B\nY/LEGAL_ENTITY/LEG\nAL_ENTITY_DETAIL\n\nFullName\n\nCommunityLendingProg\nram\n\nROF as “from\nCommunity Lending\nProgram”\n\n25.1 Grant from\nCommunity\nLending Program\npaid to Ficus Bank\n\n…/EXTENSION/OTHER\n/gse:CLOSING_ADJUS\nTMENT_ITEM_PAID_T\nO/gse:LEGAL_ENTITY/\ngse:LEGAL_ENTITY_D\nETAIL\n\ngse:FullName\n\nFicus Bank\n\nROF as “paid to Ficus\nBank”\n\n25.1.1 Existing escrow\naccount rollover\n($)\n\nThird instance of CLOSING_ADJUSTMENT_ITEM\n\n.../CLOSING_ADJUST\nMENT_ITEM_DETAIL\n\nClosingAdjustmentIt\nemAmount\n\n-200.00\n\nROF as “-$200.00”\n\nClosingAdjustmentIt\nemType\n\nOther\n\nClosingAdjustmentIt\nemTypeOtherDescri\nption\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nEscrowAccountRollover\n\nROF as “Existing\nescrow account\nrollover”\n\nExisting escrow account\nrollover\n\nPayoffsAndPayments\n\nNot Shown\n\n25.1\n\nExisting escrow\naccount rollover\n\n25.1\n\nN/A\n\n1. MAPPI NG GUI DANCE\n\nA. Some adjustments normally disclosed in Summaries of Transactions are disclosed in the Payoffs and\nPayments table. The CLOSING_ADJUSTMENT_ITEM structures are used for these line items, with the\nvalue of “PayoffsAndPayments” in IntegratedDisclosureSectionType to indicate their location on the\nform. If the source of the funds is not the borrower, it must be identified using\nCLOSING_ADJUSTMENT_ITEM_PAID_BY. As with the payoffs of liabilities, the recipient of the funds must\nbe identified (if unclear) using gse:CLOSING_ADJUSTMENT_ITEM_PAID_TO, an EXTENSION of\nCLOSING_ADJUSTMENT_ITEM.\n"}
diff --git a/chunks/json/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.json b/chunks/json/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.json
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index 0000000000000000000000000000000000000000..e8bf17247e3ccf3241a83f8a33d4e59e2b90de5b
--- /dev/null
+++ b/chunks/json/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":456132,"char_start":454528,"chunk_id":"chk_ab500078700b353b","chunk_index":270,"chunk_sha256":"b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 193 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nSingle Entity Ownership of Multiple Units\n\nThe Single Entity Ownership of Multiple Units row displays in the Project Factors table if the property is in a\ncondominium.\n\nProject Factors: Single Entity Ownership of Multiple Units\n\nReport\nField ID\n\n18.067\n\n18.077\n\n18.087\n\nReport Label\n\nWhen to Include\n\nSingle Entity\nOwnership of\nMultiple Units\n(Detail)\n\nSingle Entity\nOwnership of\nMultiple Units\n(Impact)\n\nSingle Entity\nOwnership of\nMultiple Units\n(Comment)\n\nRequired if the\nproperty is in a\ncondominium\n\nRequired if the\nproperty is in a\ncondominium\n\nRequired if Impact is\nAdverse or Beneficial,\nor as needed\n\nAllowable\nAnswers / Format\n\nNumber\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nDefinition / Additional Guidance\n\nGreatest Number of Units Owned: The greatest number of units owned by a\nsingle entity in the condominium project.\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information. If there are multiple individuals or entities that own a\nsignificant number of units which impacts marketability within the project,\ndescribe here.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n\nSingle Entity Ownership of Multiple Shares\n\nThe Single Entity Ownership of Multiple Shares row displays in the Project Factors table if the property is in a\ncooperative or condop.\n\nProject Factors: Single Entity Ownership of Multiple Shares\n\nReport Label\n"}
diff --git a/chunks/json/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.json b/chunks/json/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.json
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index 0000000000000000000000000000000000000000..4ca0691ad94f7fce9ba04ee9bdfff0f842b5c610
--- /dev/null
+++ b/chunks/json/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24614,"char_start":22967,"chunk_id":"chk_b8405487f2ff1bc5","chunk_index":29,"chunk_sha256":"b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Figure 01 - 2\n\n- When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 1400.0543 FID: Not on report) =\n\n“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 01 - 3)\n\n- An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0545, FID: 01.003.2) and displays above the image in bold\n\nfont.\n\nFigure 01 - 3\n\nPage 15\n\n02 Original Appraisal\n\nThe Original Appraisal section contains information from the original appraisal report.\n\nPage 16\n\nThe Original Appraisal section always displays.\n\nCompletion Report: Original Appraisal\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n02.001\n\nEffective Date of Appraisal\n\n2800.0032 OriginalAppraisalEffectiveDate\n\n02.002\n\nOpinion of Market Value\n\n2800.0033\n\nOriginalAppraisedValueAmount\n\n02.003 Market Value Condition\n\n2800.0002\n\nPropertyValuationConditionalConclusionType\n\n02.004\n\nAppraiser\n\n2800.0034\n\nOriginalAppraiserUnparsedName\n\n02.005\n\nReference ID\n\n2800.0035\n\nOriginalAppraiserFileIdentifier\n\n02.006\n\nOriginal Lender\n\n2800.0046\n\nOriginalLenderUnparsedName\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\nIf multiple, display stacked\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: Original Appraisal\n\nPage 17\n\n02.007\n\nFinal Value Condition\nStatement\n\nFinal Value Condition Statement\n\nDisplays when\nPropertyValuationConditionalConclusionType <> “AsIs”\n\nThe details on variations and how to compose the Final\nValue Condition Statement are listed below.\n"}
diff --git a/chunks/json/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.json b/chunks/json/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.json
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index 0000000000000000000000000000000000000000..bd5b4262b5569192ea8605650de52584802d1b48
--- /dev/null
+++ b/chunks/json/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3318,"char_start":1615,"chunk_id":"chk_f7e3f0bd494841b1","chunk_index":1,"chunk_sha256":"b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f","token_estimate":426,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"image/jpeg\n\nBelowGradeOne\n\nFamilyRoom\n\n\\\\Images\\Condo2_Sunroom.jpg\n\nimage/jpeg\n\nBelowGradeOne\n\nSunroom\n\n\\\\Images\\Condo2_Bedroom3.jpg\n\nimage/jpeg\n\nLevelOne\n\nBedroom\n\n\\\\Images\\Condo2_Office.jpg\n\nimage/jpeg\n\nLevelOne\n\nOther\n\nOffice\n\n\\\\Images\\Condo2_DiningRoom.jpg\n\nimage/jpeg\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\Condo2_FamilyRoom2.jpg\n\nimage/jpeg\n\nLevelOne\n\nFamilyRoom\n\n\\\\Images\\Condo2_FullBath2.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nSeparate tub and shower, large room, tile on the floor and walls, granite counters.\n\nFullBathroom\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\Condo2_HalfBath.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nPedestal sink, tile floor.\n\nHalfBathroom\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\Condo2_Kitchen.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nWood framed cabinets, granite counters, commercial style appliances, sink is located in an oversize island.\n\nCommercial Grade Appliances\n\nKitchen\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\Condo2_Mudroom.jpg\n\nimage/jpeg\n\nLevelOne\n\nMudroom\n\n0\n\nNo\n\n0\n\n3500\n\nfalse\n\nGolfCourse\n\nResidential\n\nRanch\n\nSiteBuilt\n\nCementBoard\n\nNewOrLikeNew\n\nThe exterior of the homes is a mix of Hardie plank and stone.\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nBasement\n\nNewOrLikeNew\n\nSubject has a walkout lower level, concrete covered with Hardie plank.\n\nFoundation\n\nLessThanOneYear\n\ntrue\n\nComposition\n\nNewOrLikeNew\n\nRoof is covered with a 50 year composition roof.\n\nRoof\n\nNewOrLikeNew\n\nWindows are metal clad with paintable wood interior.\n\nWindows\n\nSubject has a mix of double hung and casement windows, all are low e.\n\nC1\n\nQ3\n\nOneToTwoFeet\n\n1\n\n360\n\nThe subject is a new construction home with no damages, defects or deficiencies and is built using green materials.\n"}
diff --git a/chunks/json/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.json b/chunks/json/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.json
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index 0000000000000000000000000000000000000000..31eebfe14d6b8e10090d110c8173e7df3a9dc9db
--- /dev/null
+++ b/chunks/json/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":193742,"char_start":192179,"chunk_id":"chk_5fa037a31336e2c8","chunk_index":95,"chunk_sha256":"b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The same process is used to determine the year ranges and payment amounts for a Step Rate, GEM or GPM\nloan, and for a loan with a temporary subsidy buydown feature.\n\n5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 5\n\n5.1.2 Years 6 – 8 5.1.3 Years 9 – 11 5.1.4 Years 12 - 30\n\n5.2 Principal & Interest\n\n$1,007.35\n\n5.2.4 $1,007 min\n5.2.5 $1,230 max\n\n5.2.6 $1,007 min\n5.2.7 $1,451 max\n\n5.2.8 $1,007 min\n5.2.9 $1,870 max\n\n5.2.1\n5.2.2\n5.2.3\n\nFigure 57. P&I Payments for 5-3 ARM\n\nTable 74. P&I Payments for 5-3 ARM\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst instance of PROJECTED_PAYMENT\n\n5.2.2\n\nYears 1 – 5 Principal\n& Interest ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentPr\nincipalAndInterestM\naximumPaymentAm\nount\n\n1007.35\n\nROF as “$1,007.35”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.2.5\n\nYears 6 – 8 Principal\n& Interest max\n\n…/PROJECTED_PAY\nMENT\n\n5.2.4\n\nYears 6 – 8 Principal\n& Interest min\n\n1229.61\n\n1007.35\n\nProjectedPaymentPr\nincipalAndInterestM\naximumPaymentAm\nount\n\nProjectedPaymentPr\nincipalAndInterestMi\nnimumPaymentAmo\nunt\n\nRepresented on the\nform as “$1,230\nmax”\n\nRepresented on the\nform as “$1,007\nmin”\n\nThird Instance of PROJECTED_PAYMENT\n\n5.2.7\n\nYears 9 – 11\nPrincipal & Interest\nmax\n\n…/PROJECTED_PAY\nMENT\n\n1451.21\n\nProjectedPaymentPr\nincipalAndInterestM\naximumPaymentAm\nount\n\nRepresented on the\nform as “$1,451\nmax”\n\nAppendix E: UCD Implementation Guide\n\nPage 86 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nID\n\nForm Field Name\n\n5.2.6\n"}
diff --git a/chunks/json/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.json b/chunks/json/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.json
new file mode 100644
index 0000000000000000000000000000000000000000..87d1feef95621111cc7d7c7691098d08a7fa9fd3
--- /dev/null
+++ b/chunks/json/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":516471,"char_start":514807,"chunk_id":"chk_c049f402e1ef9df9","chunk_index":306,"chunk_sha256":"b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes\n22.01.36\n\n22.01.08\n22.01.37\n\nAttached/Deta\nched\n\nAlways\n\nAlways required\n\nAttached or\nDetached\n\nSubject Property\n•\n\nAttachment Type\n3.004\n\nYes\n22.01.38\n\n•\n\nA ratio applied to a comparable listing that represents the difference\nbetween the list price and an anticipated sale price for the comparable.\nExamples:\n•\n\n$100,000 List Price with a sale price of $102,000 results in a Sale to\nList Price Ratio of 102%.\n$100,000 List Price with a sale price of $98,000 results in a Sale to\nList Price Ratio of 98%.\n\nAppendix F-1: URAR Reference Guide\n\nPage 223 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: General Information\n\nReport\nField ID\n\n22.01.09\n22.01.39\n\nIf relevant\n\nProperty\nRights\nAppraised\n\n22.01.10\n22.01.41\n\nAnnual\nGround Rent\n\nIf relevant\n\nRequired if the\ncomparable is not in a\ncooperative, and the\nrow is included in the\nsales comparison grid\n\nRequired if Property\nRights Appraised is\nLeasehold, Site Owned\nin Common is No, and\nthe row is included in\nthe sales comparison\ngrid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nIf relevant\n\n22.01.11\n22.01.42\n\n22.01.11\n22.01.42\n\nNative\nAmerican\nLands\n\nNative\nAmerican\nLands\n\nIf relevant\n\nRequired if Property\non Native American\nLands is Yes\n\n22.01.12\n22.01.44\n\nAll Rights\nIncluded\n\nIf relevant\n\n22.01.13\n22.01.46\n\nRights Not\nIncluded\n\nIf relevant\n\nRequired if Site Owned\nin Common is No, and\nthe row is included in\nthe sales comparison\ngrid\n"}
diff --git a/chunks/json/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.json b/chunks/json/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.json
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index 0000000000000000000000000000000000000000..ab6dae623121ccf71dbe53ba51689b1a5cb2f40b
--- /dev/null
+++ b/chunks/json/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21370,"char_start":19776,"chunk_id":"chk_1e75e3796ea7c102","chunk_index":11,"chunk_sha256":"b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"News Release: [FHFA Announces Key Updates for Implementation of Enterprise Credit Score Requirements](/news/news-release/fhfa-announces-key-updates-for-implementation-of-enterprise-credit-score-requirements) (2/29/2024)\n\nNews Release: [FHFA Announces Next Phase of Public Engagement Process for Updated Credit Score Requirements](/news/news-release/fhfa-announces-next-phase-of-public-engagement-process-for-updated-credit-score-requirements) (9/11/2023)\n\nNews Release: [FHFA Announces Public Engagement Process for Implementation of Updated Credit Score Requirements](/news/news-release/fhfa-announces-public-engagement-process-for-implementation-of-updated-credit-score-requirements) (3/23/2023)\n\n**Validation of FICO 10T and VantageScore 4.0​**\n\nNews Release: [FHFA Announces Validation of FICO 10T and VantageScore 4.0 for Use by Fannie Mae and Freddie Mac](/news/news-release/fhfa-announces-validation-of-fico-10t-and-vantagescore-4.0-for-use-by-fannie-mae-and-freddie-mac)*(10/24/2022)*\n\nFact Sheet: [FHFA Announcement of Credit Score Models](/sites/default/files/2024-02/CS-Fact-Sheet-2022.pdf)*(10/24/2022)*\n\n**Validation of Classic FICO​**\n\nNews Release: [FHFA Announces Validation of Classic FICO by Fannie Mae and Freddie Mac](/news/news-release/fhfa-announces-validation-of-classic-fico-for-use-by-fannie-mae-and-freddie-mac)*(11/10/2020)*\n\n**Joint Credit Score Solicitation**\n\nNews Release: [Fannie Mae and Freddie Mac Publish Joint Enterprise Credit Score Solicitation](/news/news-release/fannie-mae-and-freddie-mac-publish-joint-enterprise-credit-score-solicitation)*(2/18/2020)*\n"}
diff --git a/chunks/json/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.json b/chunks/json/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.json
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index 0000000000000000000000000000000000000000..0e7bc4194841f0448df73d6e153b416d34826f7e
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+++ b/chunks/json/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.json
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+{"chunk":{"char_end":260142,"char_start":258527,"chunk_id":"chk_640fa5d6b4b37dd8","chunk_index":136,"chunk_sha256":"b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"7.0 Loan Costs\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing At Closing Before Closing\n\nPaid by\nOthers\n\n7.4 B. Services Borrower Did Not Shop For\n01 7.5\n\n7.5.1\n\n7.5.2\n\n7.4.1 $236.55\n7.5.3\n\n7.5.4\n\n7.5.5\n\n7.5.6 $405.00\n\nSupervisory Appraisal Charge to Valuation\nMgt.\n\n02 Credit Re port Fee to Information, Inc.\n03 Flood Ce rtification Fee to Info Co.\n\n04 Homeowner’s Assn Cert Fee to Valuation Mgt.\n05 Title -Document Preparation Fee to Epsilon\n\nTitle Co.\n\n$80.00\n\n$29.80\n\n$20.00\n\n$150.00\n\nFigure 78. Services Borrower Did Not Shop For Line Items\n\nThe data points used to provide this information are shown in the table below and are repeated as needed to\nprovide each line item.\n\nID\n\nForm Field / Fee\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 96. Services Borrower Did Not Shop For\n\nFIRST INSTANCE OF FEE\n\nUID\n7.073\n\n7.5\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not Shown –\n\nATR/QM\n\nSupervisory\nAppraisal Charge\n\nFeeType\n\nAppraisalManagem\nentCompanyFee\n\nROF as “Supervisory\nAppraisal Charge”\n\n@gse:DisplayLabelT\next\n\nSupervisory\nAppraisal Charge\n\n7.5\n\nN/A - XML\n\nIntegratedDisclosur\neSectionType\n\nServicesBorrowerDi\ndNotShopFor\n\nNot Shown\n\nUID\n7.070\n\n7.5.1\n\nN/A - GSE\n\nSupervisory\nAppraisal Charge to\nValuation Mgt.\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/LE\nGAL_ENTITY_DETAI\nL\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nFullName\n\nValuation Mgt\n\n7.5.6 Paid by Others\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeePaymentPaidBy\nType\n\nThirdParty\n\nNot Shown –\nATR/QM\n\nCompany name of\nservice provider\n\nRepresented as\nPaid by Others\nheading on form\n"}
diff --git a/chunks/json/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.json b/chunks/json/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.json
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+++ b/chunks/json/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.json
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+{"chunk":{"char_end":23253,"char_start":21612,"chunk_id":"chk_0d826868facf5481","chunk_index":13,"chunk_sha256":"b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3","token_estimate":410,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_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)\nPrior Sales or Transfers\n\nData Source\n\nNone\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Only prior sale of the subject was when it was a new construction in 2004.\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\nData Source\nMLS\n\nDate\n09/01/2018\n\nAmount\n$430,000\n\n2\n\n3\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Prior sale of comp 1 was a typically motivated arms-length transaction.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 21\nPage 14 of 21\n\nCheck W/KATE-\n\nNEW PAGE?\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n123 Falling Tree Ct\nTreeville, VA 12345\n\n241 Rapid Creek Ln\nTreeville, VA 12345\n\n188 Fallen Oak Ct\nTreeville, VA 12345\n\n210 Cannon Ball Rd\nTreeville, VA 12345\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record | Exterior\nInspection | MLS 123456\n\nAssessor Record | Exterior\nInspection | MLS 33A245\n\nAssessor Record | Exterior\nInspection | MLS 678A12\n"}
diff --git a/chunks/json/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.json b/chunks/json/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.json
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+++ b/chunks/json/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1729,"char_start":0,"chunk_id":"chk_004f13138b24a28b","chunk_index":0,"chunk_sha256":"b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e","token_estimate":432,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Single Family Scenario 2 (Townhouse)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n06/27/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report was completed as a traditional appraisal for an attached end-unit townhouse located in a Planned\nUnit Development (PUD). It is within ¼ mile of a busy roadway, which has an adverse impact, and within\nthree blocks of a park, which has a beneficial impact.\n\nThe subject property contains five bedrooms, four full bathrooms, and one half bathroom throughout four\nseparate levels. It was built three years prior to the date on which the inspection took place for this report.\nThe interior is noted to have typical wear and tear throughout all rooms, while the kitchen has commercial\ngrade appliances and granite counter tops, and the bathrooms have ceramic tile and upgraded fixtures.\n\nThis appraisal was made subject to the following:\n• Possible termite infestation on the exterior walls and trim (Subject to Inspection).\n• The water heater was not operational at the time of the inspection (Subject to Repair).\n"}
diff --git a/chunks/json/b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1.json b/chunks/json/b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1.json
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+{"chunk":{"char_end":3333,"char_start":1664,"chunk_id":"chk_a4c467b9600871df","chunk_index":1,"chunk_sha256":"b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1","token_estimate":413,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"Neighborhood Characteristics\n\nCondominium Unit Housing Trends\n\nCondominium Housing Present Land Use %\n\nLocation\nBuilt-Up\nGrowth\nNeighborhood Boundaries\n\nUrban\n Over 75%\n Rapid\n\nNeighborhood Description\n\nSuburban\n 25–75%\n Stable\n\nProperty Values\n Rural\n Under 25% Demand/Supply\nMarketing Time\n Slow\n\nIncreasing\n Shortage\n Under 3 mths\n\nStable\n In Balance\n 3–6 mths\n\nDeclining\n Over Supply\n Over 6 mths\n\nPRICE\n$ (000)\n\nAGE\n(yrs)\n\nLow\nHigh\nPred.\n\nOne-Unit\n2-4 Unit\nMulti-Family\nCommercial\nOther\n\n%\n%\n%\n%\n%\n\nMarket Conditions (including support for the above conclusions)\n\nTopography\nSpecific Zoning Classification\nZoning Compliance\n\nNo Zoning\n\nLegal\n Illegal (describe)\n\nSize\n\nDensity\n\nView\n\nZoning Description\n\nLegal Nonconforming – Do the zoning regulations permit rebuilding to current density?\n\nYes\n\nNo\n\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?\n\nYes\n\nNo If No, describe\n\nPublic Other (describe)\n\nUtilities\nElectricity\nGas\nFEMA Special Flood Hazard Area\n No FEMA Flood Zone\nAre the utilities and off-site improvements typical for the market area?\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)?\n\nWater\nSanitary Sewer\n\nPublic Other (describe)\n\nNo If No, describe\n\nFEMA Map #\n\nYes\n\nYes\n\nOff-site Improvements—Type\nStreet\nAlley\n\nPublic Private\n\nFEMA Map Date\n\nYes\n\nNo If Yes, describe\n\nIf Project Incomplete\n\n# of Planned Phases\n# o f Planned Units\n# of Units for Sale\n# of Units Sold\n# of Units Rented\n# of Owner Occupied Units\n\nData source(s) for project information\nProject Description\n"}
diff --git a/chunks/json/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.json b/chunks/json/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.json
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+++ b/chunks/json/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.json
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+{"chunk":{"char_end":248653,"char_start":246988,"chunk_id":"chk_1f98bdca0e7cfcf2","chunk_index":141,"chunk_sha256":"b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10\n\n2.0000\n\n11.008\n\ngse:LateChargeType\n\nPercentOfPrincipalAndInterest\n\nUCD v2.0 Implementation Guide\n\n- 109 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 77. XML Snippet – Late Charge Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<LATE_CHARGE>\n <EXTENSION>\n <OTHER>\n\n<gse:LATE_CHARGE_RULES>\n <gse:LATE_CHARGE_RULE>\n\n<gse:LateChargeAmount>100.00</LateChargeAmount>\n <gse:LateChargeGracePeriodDaysCount>10</gse:LateChargeGracePeriodDaysCount>\n <gse:LateChargeType>FlatDollarAmount</gse:LateChargeType>\n\n</gse:LATE_CHARGE_RULE>\n </gse:LATE_CHARGE_RULE>\n\n<gse:LateChargeGracePeriodDaysCount>10</gse:LateChargeGracePeriodDaysCount>\n <gse:LateChargeRatePercent>2.0000</gse:LateChargeRatePercent>\n <gse:LateChargeType>PercentOfPrincipalAndInterest</gse:LateChargeType>\n\n</gse:LATE_CHARGE_RULE>\n </gse:LATE_CHARGE_RULES>\n\n</OTHER>\n </EXTENSION>\n </LATE_CHARGE>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 110 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nQ. LOAN FEATURE DATA\n\nLOAN_DETAIL holds a variety of true/false indicators that when “true,” are often used in UCD v2.0 as a condition to provide\nadditional information about the loan feature; the descriptive data is located in a different container under LOAN, as we have\nseen in earlier sections.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\nTable 53. XML File Container Structure for Loan Feature Data.\n\n999.233\n\nLOAN_DETAIL\n\n999.234\n\nLOAN_IDENTIFIERS\n\n999.235\n\nLOAN_IDENTIFIER\n\n999.236\n\nLOAN_IDENTIFIER\n\nHolds indicators and certain summary data describing a loan’s\nfeatures.\n\nGroups one or more pairs of identifier type and value data\npoints.\n"}
diff --git a/chunks/json/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.json b/chunks/json/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.json
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+++ b/chunks/json/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.json
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+{"chunk":{"char_end":3281,"char_start":1682,"chunk_id":"chk_7e9472badd9a3b6f","chunk_index":1,"chunk_sha256":"b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e9417770194f6560","text_sha256":"b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6","token_estimate":400,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.pdf/AU1_AppraisalUpdate_v1.2.pdf"]},"text":"is not part of the Restricted Appraisal Update Report.\n\nRestricted Appraisal Update Report\n\nPage 1 of 3\n\nSubject Property\n\nPhysical Address\n\nCounty\nProperty Rights Appraised\n\n123 Falling Tree Ct\nTreeville, VA 12345\nArboreal\nFee Simple\n\nThis is where the Subject Property photo would display.\n\nLegal Description\n\nLot 53 Sunnyside Subdivision\n\nOriginal Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nReasonable Exposure Time\n\n09/20/2019\n$490,000\n0-90 days\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nAgatha Appraiser\nAA12345\nDEF Bank\n\nAppraisal Update\n\nEffective Date\n\n03/20/2020\n\nYes No\nHas the market value of the subject property decreased since the effective date of the original appraisal?  \n\nAppraisal Update Commentary\n\nI have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale\nfor the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file.\n\nBoth the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which\nthe subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using\nmultiple sales in the subject’s market which confirms that the subject’s market value has not decreased since the effective date of the original\nappraisal.\n\nAssignment Information\n\nBorrower Name\n\nBetty Borrower\nBob Borrower\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n"}
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diff --git a/chunks/json/b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b.json b/chunks/json/b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b.json
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+{"chunk":{"char_end":1599,"char_start":0,"chunk_id":"chk_2e74170843278192","chunk_index":0,"chunk_sha256":"b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"PR32393510\n\n2019-09-06\n\nPhysical\n\nPhysical\n\nRichard\n\nReal\n\nRichard's Agency\n\n789 East St\n\nNowhere\n\n90021\n\nCA\n\nRealEstateAgent\n\nPropertyDataCollector\n\nInspection\n\nPropertyOwner\n\nCondominiumQuestionnaire\n\nPropertyDataReport\n\nAssessorRecord\n\nMLS\n\nM32583\n\nMLS\n\nM32380\n\nMLS\n\nM28713\n\nMLS\n\nM51774\n\nMLS\n\nXYZ MLS\n\n201 Underhill Dr\n\nUnit\n\n2C\n\nNowhere\n\n90021\n\nCA\n\n201 Underhill Dr\n\nUnit\n\n202\n\nNowhere\n\nStar Hills\n\n90021\n\nCA\n\nParkingGarage\n\n2\n\nOwned\n\nNone\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\n604\n\nMonthly\n\nAssociationDues\n\nSanitarySewer\n\nWater\n\n1580\n\nAssociationSpecialAssessment\n\nExisting\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\n1973\n\ntrue\n\nNone\n\nCarpet\n\nAll floors were updated at the same time as other interior work was performed.\n\nTypicalWearAndTear\n\nWool carpeting.\n\nCeramicTile\n\nNo adverse conditions noted.\n\nTypicalWearAndTear\n\nTypical ceramic tile.\n\nWool carpeting\n\nFlooring\n\nSignificantlyUpdated\n\nSome areas of peeling paint.\n\nDamagedAndFunctional\n\nAdd comment if needed.\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n1092\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1092\n\n0\n\nfalse\n\nfalse\n\n2\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\n1\n\nDecorative tiling and finishes\n\nFullyUpdated\n\ntrue\n\nfalse\n\nOwnerOccupied\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nLevelOne\n\nBedroom\n\nLevelOne\n\nBedroom\n\nDining Area\n\n\\\\Images\\Condo1_DiningRoom.jpg\n\nimage/jpeg\n\nLevelOne\n\nDiningRoom\n\n25\n\nBath 1\n\n2019-09-05T22:45:34Z\n\n\\\\Images\\Condo1_BathFull1.jpg\n\nimage/jpeg\n\nLevelOne\n\nAdd comment if needed.\n\nTypicalWearAndTear\n\nTile shower and custom vanity, owners utilized custom designer for tile work.\n\nFullBathroom\n\nOneToFiveYears\n"}
diff --git a/chunks/json/b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe.json b/chunks/json/b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe.json
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+{"chunk":{"char_end":609069,"char_start":607437,"chunk_id":"chk_519d2f9bf30c3294","chunk_index":362,"chunk_sha256":"b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Always\n\nAlways required\n\nYes\n22.13.04\n\nNo\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nVehicle Storage\n•\n\nVehicle Storage\nType 13.000 -\n13.001\n\nAny adjustment for Vehicle Storage must be made in this row.\n\nVehicle Storage Type\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNone\nCarport\nCommon Carport\nDriveway\nGarage\nOpen Lot\nParking Garage\nShared Driveway\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 266 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Vehicle Storage\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\nYes | No\n\nRequired if Vehicle\nStorage Type is\nDriveway or Shared\nDriveway\n\nVehicle Storage\n•\n10 or More\nParking Spaces\n13.002\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n\nRequired for all\nVehicle Storage Types\nexcept driveways or\nshared driveways with\n10 or more spaces\n\nRequired when Vehicle\nStorage Type is\nCommon Carport,\nOpen Lot or Parking\nGarage\n\nRequired when Vehicle\nStorage Type is\nCarport or Garage\n\nRequired when Vehicle\nStorage Type is\nDriveway or Shared\nDriveway\n\nWhole number\n\nVehicle Storage\n•\n\nDedicated Parking\nSpaces 13.002\n\nVehicle Storage\n•\n\nParking Space\nAssignment Type\n13.003\n\nVehicle Storage\n•\n\nVehicle Storage\nAttachment Type\n13.003\n"}
diff --git a/chunks/json/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.json b/chunks/json/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.json
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+++ b/chunks/json/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.json
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+{"chunk":{"char_end":24227,"char_start":22586,"chunk_id":"chk_93c02ace209b6c67","chunk_index":6,"chunk_sha256":"b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q8. From a systems development perspective, are there any key features or requirements that lenders and/or technology solution providers need to plan for?**\n\nOne critical requirement is that all UCD files delivered to Fannie Mae must have either a DU-generated Casefile ID or a UCD-generated Casefile ID. Any loan that does not have a DU Casefile ID or is not being delivered as a DU loan will receive a UCD Casefile ID upon submission of the UCD file.\n\n**Q9. What resources and documentation does Fannie Mae provide to customers?**\n\nVisit the [UCD page](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) or [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on [FannieMae.com](https://www.fanniemae.com/portal/index.html) for resources like the User Guide, a list of edit feedback messages, quick guides for using the UCD collection solution (for sellers and non-sellers), and much more. Self-paced eLearning tutorials are available to help you understand UCD and navigate the UCD collection solution.\n\n**Q10. Can we upload a UCD file even if we are not going to sell the loan to Fannie Mae?**\n\nYes, you can upload UCD files even if you are not selling the loans to Fannie Mae.\n\n**Q11. Can we upload a Government Loan run through Desktop Underwriter (DU) into the UCD Collection Solution?**\n\nYes. But you must remove the DU Casefile ID from the UCD XML file before submission. Should you try to deliver the loan to Fannie Mae, you will need to include the DU Casefile ID in the delivery file.\n\n**Q12. Is there a test environment available for UCD files?**\n"}
diff --git a/chunks/json/b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3.json b/chunks/json/b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3.json
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+{"chunk":{"char_end":19773,"char_start":18131,"chunk_id":"chk_6a732148c0ee621c","chunk_index":11,"chunk_sha256":"b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3","token_estimate":411,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"1\nOwner\nYes\n2\n1\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n864 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Bedroom\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ5\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n5–10 years\n\nQuality Comment\nAdd comment if\nneeded.\n\nCondition Status\nTypical Wear and Tear\n\nPartially Updated\n\n5–10 years\n\nAdd comment if\nneeded.\n\nTypical Wear and Tear\n\nCondition Comment\nSome hardware noted\nto be missing from\ncabinets.\n\nNewer laminate floor\ninstalled. Some cabinet\nhardware missing.\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nLaminate\n\n8 Ft. | Flat\n\nQuality Comment\nAdd comment if needed.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAdd comment if needed.\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nModerately Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 2 - Unit 2)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nCabinetry\n\nCabinetry\n\nLocation\nBathroom\n\nKitchen\n\nDescription\nSome hardware noted to be missing from\ncabinets exhibiting moderate wear and tear.\n\nAffects Soundness or\nStructural Integrity\nNo\n"}
diff --git a/chunks/json/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.json b/chunks/json/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.json
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+++ b/chunks/json/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.json
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+{"chunk":{"char_end":547872,"char_start":546273,"chunk_id":"chk_aafc1fb0bb9aa5e6","chunk_index":325,"chunk_sha256":"b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 239 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Dwelling(s)\n\n22.05.06\n22.05.29\n\nTownhouse\nEnd Unit\n\nIf relevant\n\n22.05.07\n22.05.31\n\nTownhouse\nBack to Back\n\nIf relevant\n\n22.05.08\n22.05.33\n\nTownhouse\nLocation\n\nIf relevant\n\n22.05.08\n22.05.33\n\nTownhouse\nLocation\n\nIf relevant\n\n22.05.09\n22.05.35\n\nConstruction\nMethod\n\nIf relevant\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse, and the\nrow is included in the\nsales comparison grid\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse, and the\nrow is included in the\nsales comparison grid\n\nRequired if Structure\nDesign is Rowhouse /\nTownhouse, and the\nrow is included in the\nsales comparison grid\n\nRequired when Units\nAbove or Below is Yes,\nand the row is\nincluded in the sales\ncomparison grid\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nYes | No\n\nYes | No\n\nYes | No\n\nDwelling Exterior, for\neach dwelling\n•\n\nTownhouse End\nUnit 8.006\n\nDwelling Exterior, for\neach dwelling\n•\n\nTownhouse Back\nto Back 8.007\n\nYes\n22.05.30\n\nIndicates whether the rowhouse / townhouse is located at the end of a\nrow of attached properties.\n\nYes\n22.05.32\n\nIndicates whether the rowhouse / townhouse shares a rear wall with a\nrear wall of another property.\n\nDwelling Exterior, for\neach dwelling\n•\n\nUnits Above or\nBelow 8.008\n\nYes\n22.05.34\n"}
diff --git a/chunks/json/b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea.json b/chunks/json/b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea.json
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+{"chunk":{"char_end":471352,"char_start":469691,"chunk_id":"chk_21a475b6f556014d","chunk_index":279,"chunk_sha256":"b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Project Factors Commentary\n\nProject Factors Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n18.094 Project Factors\n\nIf applicable\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nOverall commentary for all project factors.\n•\n•\n\nDetails captured above that require additional support\nInformation pertinent to project factors impacting value and /or\nmarketability that is not captured in the details above\n\nAppendix F-1: URAR Reference Guide\n\nPage 199 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nProject Information Commentary\n\nProject Information Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n18.095 Project\n\nIf applicable\n\nFree-form\n\nInformation\nCommentary\n\nProject Information Exhibits\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Project Information\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n\nAll photos or images related to the Project Information section are displayed in the Project Information Exhibits\nsubsection. If there are no photos or images, this subsection does not display.\n\nProject Information Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nProject\nInformation\nExhibits\n\nIf applicable\n\nPhotos or images\n\nPhotos or images relevant to the Project Information section may be provided,\nwhich display in Project Information Exhibits. If the photo or image is not\nspecifically indicated above, provide an additional caption.\n"}
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+{"chunk":{"char_end":1745,"char_start":0,"chunk_id":"chk_3357316a2a0ccae2","chunk_index":0,"chunk_sha256":"b3a61a1a5f6122beec8b6d48a08168b8704616019d623c502332c273dd169393","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b6c2122d3b4825a8","text_sha256":"b3a61a1a5f6122beec8b6d48a08168b8704616019d623c502332c273dd169393","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/COVID_19_Resources___FHFA_1x9pq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations/covid-19-resources\"\ndate_accessed: \"2026-01-27T17:54:20.454Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.json b/chunks/json/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.json
new file mode 100644
index 0000000000000000000000000000000000000000..d9c15472def5d78a99d2dfeb15efdfd25bddd838
--- /dev/null
+++ b/chunks/json/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":35154107,"char_start":0,"chunk_id":"chk_9ea139c485b9e2a3","chunk_index":0,"chunk_sha256":"b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98","date_utc":"2026-01-27T18:13:12+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_95378fa95c993853","text_sha256":"b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98","token_estimate":1622,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_sf_nfa/2024_Enterprise_SF_NFA/fhlmc_sf2024a_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"2 20000001 1 3 3 2 5 1 4 5 9 1 5 1 4\n2 20000002 0 1 2 1 2 8 4 5 9 2 5 1 3\n2 20000003 1 2 2 3 1 1 4 5 9 2 5 1 4\n2 20000004 1 2 3 3 3 1 4 5 5 2 1 1 4\n2 20000005 1 2 2 3 2 1 4 9 9 1 5 1 4\n2 20000006 1 3 3 3 4 1 4 2 9 2 5 1 4\n2 20000007 1 3 3 3 3 1 4 9 9 1 5 1 4\n2 20000008 1 3 2 3 3 1 4 5 9 2 5 1 4\n2 20000009 1 3 3 3 4 1 4 6 6 1 1 1 4\n2 20000010 1 2 3 3 1 1 4 5 9 1 5 1 4\n2 20000011 1 2 1 2 3 1 4 5 9 1 5 1 1\n2 20000012 1 3 1 1 5 1 4 3 9 1 5 1 2\n2 20000013 1 2 3 3 3 1 4 5 5 2 2 1 4\n2 20000014 1 1 2 2 2 1 4 5 9 1 5 1 4\n2 20000015 1 3 1 3 3 8 4 2 9 1 5 1 4\n2 20000016 1 3 1 3 2 8 4 2 2 1 2 1 4\n2 20000017 1 3 2 3 2 1 4 5 9 2 5 1 4\n2 20000018 1 2 2 2 4 1 4 7 9 1 5 1 4\n2 20000019 1 2 3 3 2 1 4 5 9 1 5 1 4\n2 20000020 1 3 3 2 1 1 4 5 9 2 5 1 4\n2 20000021 0 1 2 1 1 8 4 5 9 1 5 1 3\n2 20000022 1 2 3 1 9 8 4 5 9 2 5 1 3\n2 20000023 1 3 1 2 2 1 4 7 9 2 5 1 1\n2 20000024 1 3 3 3 2 1 4 9 9 3 3 1 4\n2 20000025 1 3 1 1 1 8 4 3 9 2 5 1 2\n2 20000026 1 2 1 3 1 1 4 5 5 1 2 1 4\n2 20000027 1 3 3 3 1 1 4 2 2 1 2 1 4\n2 20000028 1 3 1 1 2 1 4 7 9 1 5 1 2\n2 20000029 1 2 2 3 2 1 4 5 9 2 5 1 4\n2 20000030 1 2 2 2 2 8 4 5 9 1 5 1 4\n2 20000031 1 3 2 1 2 1 4 1 9 2 5 1 3\n2 20000032 1 2 3 3 3 1 4 5 9 1 5 1 4\n2 20000033 1 1 2 3 2 1 4 5 9 2 5 1 4\n2 20000034 1 2 3 3 1 1 4 5 5 2 1 1 4\n2 20000035 1 3 2 3 4 1 4 5 9 2 5 1 4\n2 20000036 1 2 2 3 2 8 4 5 9 2 5 1 4\n2 20000037 1 2 3 3 2 1 4 5 9 2 5 1 4\n2 20000038 1 2 2 2 5 1 4 5 9 1 5 1 4\n2 20000039 1 2 2 2 1 8 4 5 7 1 2 1 4\n2 20000040 1 1 1 2 3 1 4 5 9 1 5 1 1\n2 20000041 1 2 2 3 2 1 4 5 5 1 2 1 4\n2 20000042 1 3 2 2 2 8 4 5 5 1 2 1 4\n2 20000043 1 2 2 3 1 8 4 5 5 2 2 1 4\n2 20000044 1 3 1 3 2 8 4 7 9 1 5 1 4\n2 20000045 1 2 3 3 2 1 4 5 5 1 2 1 4\n2 20000046 1 3 1 2 5 1 4 3 3 2 2 1 1\n2 20000047 1 2 3 3 5 1 4 5 9 1 5 1 4\n2 20000048 1 3 3 3 4 1 4 9 9 3 3 1 4\n2 20000049 1 2 3 3 1 8 4 5 9 1 5 1 4\n2 20000050 1 3 2 3 2 1 4 5 5 2 1 1 4\n2 20000051 0 1 2 1 2 1 4 5 9 2 5 1 3\n2 20000052 1 2 3 3 1 8 4 5 5 2 1 1 4\n2 20000053 1 2 2 3 2 1 4 5 9 1 5 1 4\n2 20000054 1 3 3 3 1 1 4 7 9 1 5 1 4\n2 20000055 1 3 2 3 3 1 4 5 5 1 2 1 4\n2 20000056 1 3 3 2 3 1 4 7 9 2 5 1 4\n2 20000057 1 3 2 2 2 1 4 9 9 2 5 1 4\n2 20000058 1 2 2 1 5 1 4 7 9 2 5 1 3\n2 20000059 1 2 3 3 2 1 4 5 9 1 5 1 4\n2 20000060 1 3 2 3 2 1 4 7 5 2 1 1 4\n2 20000061 1 2 2 3 4 1 4 6 6 1 2 1 4\n2 20000062 1 2 3 3 2 8 4 5 9 2 5 1 4\n2 20000063 1 3 3 3 2 1 4 3 9 2 5 1 4\n2 20000064 1 3 3 3 2 1 4 7 7 1 2 1 4\n2 20000065 1 1 2 2 2 8 4 5 9 1 5 1 4\n2 20000066 1 2 3 2 2 1 4 2 9 2 5 1 4\n2 20000067 1 3 2 3 2 8 4 5 9 2 5 1 4\n2 20000068 1 3 3 3 1 1 4 2 9 1 5 1 4\n2 20000069 1 2 3 3 1 8 4 5 5 2 2 1 4\n2 20000070 0 3 3 3 1 1 4 6 6 1 2 1 4\n2 20000071 1 1 2 3 2 1 4 5 5 1 2 1 4\n2 20000072 1 2 3 3 4 1 4 2 9 1 5 1 4\n2 20000073 1 1 2 2 5 1 4 5 9 2 5 1 4\n2 20000074 1 3 2 3 2 1 4 5 9 2 5 1 4\n2 20000075 1 3 2 2 5 1 4 9 9 3 5 1 4\n2 20000076 1 3 2 3 2 1 4 5 9 1 5 1 4\n2 20000077 1 3 2 3 4 1 4 5 7 1 1 1 4\n2 20000078 1 3 3 3 3 1 4 7 9 1 5 1 4\n2 20000079 1 3 1 3 2 8 4 7 9 1 5 1 4\n2 20000080 1 2 3 3 3 1 4 5 9 1 5 1 4\n2 20000081 0 1 2 3 2 1 4 5 9 1 5 1 4\n2 20000082 1 3 2 3 2 1 4 2 2 2 2 1 4\n2 20000083 1 2 3 3 3 1 4 5 9 1 5 1 4\n2 20000084 1 2 2 3 3 1 4 5 9 2 5 1 4\n2 20000085 1 2 3 3 1 1 4 5 9 1 5 1 4\n2 20000086 1 3 1 3 4 1 4 7 9 1 5 1 4\n2 20000087 1 2 3 1 1 8 4 5 5 1 2 1 3\n2 20000088 1 1 2 3 4 1 4 5 9 2 5 1 4\n2 20000089 1 2 3 3 1 1 4 5 9 1 5 1 4\n2 20000090 0 2 2 3 1 8 4 9 9 1 2 1 4\n2 20000091 1 2 3 3 9 1 4 5 5 1 2 1 4\n2 20000092 1 2 3 3 2 1 4 5 5 1 2 1 4\n2 20000093 1 2 2 3 2 1 4 7 9 2 5 1 4\n2 20000094 1 2 2 3 2 1 4 7 9 1 5 1 4\n2 20000095 1 2 3 3 2 1 4 5 9 1 5 1 4\n2 20000096 1 3 2 3 1 1 4 2 2 1 2 1 4\n2 20000097 1 2 3 3 4 1 4 7 5 1 2 1 4\n2 20000098 1 3 2 3 4 1 4 3 9 2 5 1 4\n2 20000099 1 2 3 3 2 1 4 5 9 1 5 1 4\n2 20000100 0 2 2 2 2 1 4 5 9 1 5 1 4\n2 20000101 1 2 3 3 1 1 4 2 9 2 5 1 4\n2 20000102 1 3 2 3 2 1 4 5 5 1 2 1 4\n2 20000103 1 1 2 3 2 8 4 5 9 2 5 1 4\n2 20000104 1 2 2 2 2 8 4 2 2 1 2 1 4\n2 20000105 1 3 2 2 3 1 4 3 9 2 5 1 4\n2 20000106 1 2 3 3 3 1 4 5 5 1 2 1 4\n2 20000107 1 2 2 3 2 1 4 5 9 2 5 1 4\n2 20000108 0 2 2 3 2 1 4 6 6 1 2 1 4\n2 20\n"}
diff --git a/chunks/json/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.json b/chunks/json/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.json
new file mode 100644
index 0000000000000000000000000000000000000000..cca7c536473528f444a21c86f3920aec1f218b37
--- /dev/null
+++ b/chunks/json/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21786,"char_start":20011,"chunk_id":"chk_a1900ec9ce6674f3","chunk_index":11,"chunk_sha256":"b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c","token_estimate":444,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"At the same time as the HMDA\n\nexpansion in Regulation C, the\nEnterprises updated their single-family\ndata collection through the Uniform\nMortgage Data Program (UMDP)\ndatasets.23 The UMDP is a joint\nEnterprise project to develop and\nimplement mortgage data standards for\nthe single-family loans they purchase or\nsecuritize. Improving Enterprise\nmortgage data standardization has been\nan annual Conservatorship Scorecard\ngoal since 2012. The UMDP data\nrequirements are generally aligned\nbetween the Enterprises. As a result of\nthe expansion of HMDA and updates to\nthe UMDP datasets, many new HMDA\ndata elements are now available for\ninclusion in the PUDB Single-Family\nCensus Tract File.\n\nThe Enterprises’ multifamily data\n\ncollections are not included in the\nUMDP datasets. However, some HMDA\ndata elements are now collected by the\nEnterprises for multifamily loans and\nare available for inclusion in the PUDB\nMultifamily Census Tract File.\n\nSince both HMDA and Enterprise data\n\ncollections have changed substantially\nsince FHFA last added HMDA data to\nthe PUDB in 2010, FHFA undertook a\nnew review of all HMDA data elements.\n\nTo identify the new HMDA data eligible\nfor inclusion in the PUDB, FHFA\nrequested that the Enterprises map their\nsingle-family and multifamily data\ncollections to the HMDA data\ndefinitions in the amended Regulation\nC. Based on the data mapping and\ndiscussions with the Enterprises, FHFA\nidentified the new HMDA data elements\ncollected by the Enterprises and\navailable to be included in the PUDB\nCensus Tract Files. FHFA also identified\ndata elements already disclosed in the\nPUDB that are defined as HMDA data\nelements for the first time under the\namended Regulation C in 2018 and,\ntherefore, no longer qualify for\nproprietary protection in the PUDB.\n"}
diff --git a/chunks/json/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.json b/chunks/json/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.json
new file mode 100644
index 0000000000000000000000000000000000000000..28ed98d5f936f396401e2f0d6cce036a55458da4
--- /dev/null
+++ b/chunks/json/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58209,"char_start":56644,"chunk_id":"chk_e5808fc577b100c7","chunk_index":79,"chunk_sha256":"b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"NOTES\n\nCheckboxes set 12-point Wingdings2 with 7 points space between; sets\ninitial cap.\n\n• To display with a checkmark, use “R”\n\n• To display unchecked box, use “?”\n\nWingdings may be used as an alternative. The goal is to match the PDFs\nprovided in the report layouts (Appendix C-1, C-2, C-3) and sample\nscenarios (Appendix D-1, D-2, D-3), meaning all selected checkboxes should\ndisplay with a checkmark.\n\nCK\n\nNOTES\n\nSets sentence case.\n\nCK1 – Checkbox (one column)\n\nTEXT\n\n9/11 Myriad Pro Bold x 19 picas, 3 points.\n\nINDENT Align left and text indent 4 points.\n\nAppendix E: Report Style Guide\n\nPage 25 of 90\n\nVersion 1.4\n\nCK1\n\nNOTES\n\nCheckboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point\nWingdings2 “#” with 7 points space between; align right at 22 picas; sets\ninitial cap.\n\nWingdings may be used as an alternative. The goal is to match the PDFs\nprovided in the report layouts (Appendix C-1, C-2, C-3) and sample\nscenarios (Appendix D-1, D-2, D-3).\n\nTEXT\n\nH2 sets 9/13-point Myriad Pro Bold; Y/N sets 8/9 Myriad Pro Bold x 22 picas.\n\nINDENT Align left and indent 0 picas 4 points.\n\nRULE\n\n1 point rule x 45 picas wide. Offset 0 picas 4 points.\n\nNOTES\n\nCheckboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point\nWingdings2 “#” with 7 points space between; align right at 22 picas; Y/N\nabove.\n\nWingdings may be used as an alternative. The goal is to match the PDFs\nprovided in the report layouts (Appendix C-1, C-2, C-3) and sample\nscenarios (Appendix D-1, D-2, D-3).\n\nCK-H2 – Checkbox with H2\n\nCK-H2\n\nCK-TAB – Checkboxes on Black Tab\n\nTEXT\n"}
diff --git a/chunks/json/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.json b/chunks/json/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.json
new file mode 100644
index 0000000000000000000000000000000000000000..259cbeba4e2705430071305ba540bc959502c9c4
--- /dev/null
+++ b/chunks/json/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":477757,"char_start":476000,"chunk_id":"chk_aadc069e3ddccdda","chunk_index":358,"chunk_sha256":"b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8","token_estimate":439,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"with 'and'.\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\n29.048\n\n27\n\n29.049\n\n28\n\n29.050\n\n29\n\nIf this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in\napplicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report\ncontaining a copy or representation of my signature, I agree that my electronic signature has the same force and effect as\nmy manual handwritten signature, and that the report is enforceable and valid as a paper version of this report would be if\ndelivered containing my manual handwritten signature.\nAny intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or\ncriminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States\nCode, Section 1001, et seq., or similar state laws.\n\nI have not performed any service regarding the subject property within the three years preceding the agreement to\nperform this assignment.\n\nI have performed services regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nPage 372\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nDisplay when\nAppraiserPriorServicesPerform\nedIndicator = \"false\"\nDisplay when\nAppraiserPriorServicesPerform\nedIndicator = \"true\"\n\nDescription of Prior Services - AppraiserPriorServicesPerformedDescription (UID: 2200.0016, FID: 29.051) is required when\nAppraiserPriorServicesPerformedIndicator = \"true\". This must be delivered in the XML if it exists.\n"}
diff --git a/chunks/json/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.json b/chunks/json/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.json
new file mode 100644
index 0000000000000000000000000000000000000000..21f9021d5b555c85879a805db619f885c82b6641
--- /dev/null
+++ b/chunks/json/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26089,"char_start":24578,"chunk_id":"chk_ad14b40651029f5b","chunk_index":12,"chunk_sha256":"b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a44943f7f81b46d4","text_sha256":"b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c","token_estimate":378,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/special-feature-codes.pdf"]},"text":"888\n\nBoth\n\nWaterSense Certification\nUsed to identify loans backed by properties with the EPA’s WaterSense Certification, and\nwhich are eligible for Single-Family Green MBS.\n\n892\n\nBoth\n\nHomeStyle® Refresh\nUsed to identify loans delivered as HomeStyle Refresh mortgage.\n\n900\n\nBoth\n\nHomeReady® Mortgage\nUsed to identify HomeReady mortgage loans.\n\n918\n\nBoth\n\nCryptocurrency Reserves\nUsed to identify loans where borrowers use cryptocurrency as part of qualifying reserves.\n\n919\n\nBoth\n\n920\n\nBoth\n\nCOVID-19 Forbearance Plan\nUsed to identify loans that went into forbearance after closing and before sale to Fannie Mae\ndue to a COVID-19 hardship.\n\nRemote Ink-Signed Notarization (RIN)\nUsed to identify loans that are closed where the notarizations have been performed via use of\naudio-video technologies in lieu of a traditional in-person closing. RIN is a temporary flexibility\nonly permitted in conjunction with the COVID-19 national emergency and the notarization is a\ntraditional, manual notarization to a paper document.\n\nDelivery\nType*\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\nBoth\n\n*Delivery Type Definitions\n\nNegotiated – Delivery of a mortgage loan with this feature/characteristic must be negotiated with Fannie Mae.\n\nBoth – Delivery of a mortgage loan with this feature/characteristic is permitted in accordance with standard Fannie Mae\nguidelines and may also be applicable to mortgage loans that are covered by a negotiated contract.\n\n© 2025 Fannie Mae\n\n12.10.2025\n\n7 of 7\n"}
diff --git a/chunks/json/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.json b/chunks/json/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.json
new file mode 100644
index 0000000000000000000000000000000000000000..28f54ac73eb71678fc6f5c699a2cae4177fcbfcb
--- /dev/null
+++ b/chunks/json/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1218232,"char_start":1216601,"chunk_id":"chk_426e20e762de921f","chunk_index":723,"chunk_sha256":"b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sales History Not\nResearched\nComment\n\nA free-form text field used to describe or\ncomment on why the sales or transfer\nhistory research of the subject property\nand comparable sales was not performed.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/@SalesHistoryNotResearchedComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nSubject Has Prior\nSales Indicator\n\nIndicates whether the subject property has\nprior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/SUBJECT[@_HasPriorSalesIndicator=‘Y’]\n\nSubject Has Prior\nSales Indicator\n\nIndicates whether the subject property has\nprior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/SUBJECT[@_HasPriorSalesIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nSubject Prior Sales History\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/SUBJECT/@DataSourceDescription\n\n150\n\nString\n\nThis field should indicate the data sources for the subject prior sale history.\n\nMy research did reveal any prior\nsales or transfers of the\ncomparable sales for the year\nprior to the date of sale of the\ncomparable sale.\nMy research did not reveal any\nprior sales or transfers of the\ncomparable sales for the year\nprior to the date of sale of the\ncomparable sale.\n"}
diff --git a/chunks/json/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.json b/chunks/json/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d09faa66eacc7a0cfabd0318ea6972239644eda
--- /dev/null
+++ b/chunks/json/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":439617,"char_start":437830,"chunk_id":"chk_ab54c6b04c898651","chunk_index":260,"chunk_sha256":"b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc","token_estimate":447,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A solid surface outdoor area located on the site.\nNote: Choose this answer if the patio is a common patio available for use by all owners and guests to the project. If the\npatio is intended for the exclusive use of the subject unit, reference the Subject Property Amenities section.\n\nPlayground\n\nAn outdoor area for children to play in.\n\nRecreation Area\n\nA room or area designated to be used for recreation and entertainment.\n\nRegistration Services\n\nA service offered to short-term renters to facilitate their entry into the property.\nNote: Choose this answer if the registration services are included in the mandatory fees.\n\nAppendix F-1: URAR Reference Guide\n\nPage 186 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nSauna\n\nA room that is designed to be heated to high temperatures, typically with steam.\n\nCommon Amenities / Services Included (Choose all that apply)\n\nShared Laundry Facilities\n\nAn area of a structure containing washing machines and / or dryers that are designated for the cleaning and care of\nclothing and linens.\n\nShort Term Rental Services\n\nService offered to owners to market and rent their units on a short term basis.\nNote: Choose this answer if the short term rental services are included in the mandatory fees.\n\nSports Court\n\nTrash Removal\n\nUnit Storage\n\nWater Access\n\nWater Frontage\n\nAn area, either open or covered, specifically designed for one or more recreational and athletic activities.\n\nA service that removes trash.\n\nA room or area designed to secure personal belongings.\n\nAccess rights for project residents and their guests to waterways or bodies of water.\nNote: Choose this answer if the water access is commonly available for use by all owners and guests to the project.\n"}
diff --git a/chunks/json/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.json b/chunks/json/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.json
new file mode 100644
index 0000000000000000000000000000000000000000..eeac32579aa1d8236e1d55361cc7bfc35906a9bc
--- /dev/null
+++ b/chunks/json/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":751143,"char_start":749531,"chunk_id":"chk_631d4548c96be4ea","chunk_index":445,"chunk_sha256":"b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\nA free-form text field used to describe the\nproperty off-site improvement specified by\nProperty Off Site Improvement Feature\nType.\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_NonPublicDescription\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street']/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street' and @_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Street' and @_OwnershipType='Private']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley']/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley' and @_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley' and @_OwnershipType='Private']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y']\n\n120\n\nPROJECT SITE\n\nFEMA Special Flood Hazard Area\nYes\n"}
diff --git a/chunks/json/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.json b/chunks/json/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..a6774b1b1f932fe83b97c08f02889ffb8192aa74
--- /dev/null
+++ b/chunks/json/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":511628,"char_start":509957,"chunk_id":"chk_bddbe43fe25a0acd","chunk_index":301,"chunk_sha256":"b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='\nDeck']/@_DetailedDescription\n\nUNIT\nDESCRIPTION\n\nAmenities\nPorch/Balcony\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P\norch']/@_ExistsIndicator\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates individual cooling units, a value of 'N' indicates the box is not\nchecked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates other cooling, a value of 'N' indicates the box is not checked.\n\nAt least one of fields 2-47 (Cooling\nCentralized Indicator = 'Y'), 2-48\n(Cooling Individual Indicator = 'Y'), 2-\n49 (Cooling Other Indicator = 'Y')\nshould be indicated. If field 2-50\n(Cooling Unit Description) indicates\n'None' then fields 2-47 and 2-48 should\nnot be indicated.\n\nAt least one of field 2-47 (Cooling\nCentralized Indicator = 'Y'), 2-48\n(Cooling Individual Indicator = 'Y'), 2-\n49 (Cooling Other Indicator = 'Y')\nshould be indicated. If field 2-50\n(Cooling Unit Description) indicates\n'None' then fields 2-47 and 2-48 should\nnot be indicated.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the cooling method used, if ‘Other’ is indicated. If no\ncooling, 'None' should be indicated.\n\nThis field should be populated if field 2-\n49 (Cooling Other Indicator = 'Y') is\nindicated.\n\nString\n\nThis field should contain a description of the materials and condition of the floors.\n"}
diff --git a/chunks/json/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.json b/chunks/json/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.json
new file mode 100644
index 0000000000000000000000000000000000000000..c22825ab39cb2252cb22e39981142d6b3858d731
--- /dev/null
+++ b/chunks/json/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":60118,"char_start":59652,"chunk_id":"chk_de6aae6bc6000b55","chunk_index":95,"chunk_sha256":"b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356","token_estimate":419,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Dwelling(s) ................................................................................................................................................................................................................................ 285\n\nEnergy Efficient and Green Features ........................................................................................................................................................................................ 286\n"}
diff --git a/chunks/json/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.json b/chunks/json/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.json
new file mode 100644
index 0000000000000000000000000000000000000000..d82998b8d5a17f7f7d89f2c18b6415af5d4cb4de
--- /dev/null
+++ b/chunks/json/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5131,"char_start":3861,"chunk_id":"chk_1f67dc1edbac8e83","chunk_index":2,"chunk_sha256":"b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fdfc246cb69f198c","text_sha256":"b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098","token_estimate":318,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-february-25-2023.pdf"]},"text":"Updates to Align with the Selling Guide\n\nMiscellaneous Message Text Changes\n\nTo continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.\n\nRetirement of DU Version 10.3\n\nWith the release of DU Version 11.1, DU Version 10.3 will be retired. Therefore, effective the weekend of Feb. 25, 2023, customers\nwill no longer be able to resubmit loan casefiles to DU Version 10.3. Customers will be able to view online loan applications and\nDU Underwriting Findings reports that were created under DU Version 10.3. To obtain an updated underwriting recommendation\nafter the weekend of Feb. 25, customers must create a new loan casefile and submit it to DU.\n\nNote: DU Version 10.3 loan casefiles would have been created prior to March 13, 2021; therefore, those loan casefiles would\nhave been created 23 months prior to the retirement of DU Version 10.3.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\n(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an\nIntegration Impact Memo will be posted on the Technology Integration page.\n\n© 2023 Fannie Mae.\n\n1.25.23\n\n2 of 2\n"}
diff --git a/chunks/json/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.json b/chunks/json/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff7e0d94eb01d98c94c2cbac70bb07ea9ca20156
--- /dev/null
+++ b/chunks/json/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1150687,"char_start":1149088,"chunk_id":"chk_cc535c8ccc882af9","chunk_index":683,"chunk_sha256":"b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b","token_estimate":400,"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='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='EnergyEfficient']/@_Description\n\n20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='CarStorage']/@_Description\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'.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nR\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 191 of 211\n\nDocument Version 1.4\n\nSort\nID\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\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n265\n\n266\n\n267\n\n268\n\n269\n\n270\n\n271\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n38\n\n39\n\n40\n\n41\n\n42\n\n43\n\n44\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nPorch/Patio/Deck\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment Type\nOther Description\n"}
diff --git a/chunks/json/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.json b/chunks/json/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ac511bfb39f5aa20e8424d58ea624eb34b67a8f
--- /dev/null
+++ b/chunks/json/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":93926,"char_start":92140,"chunk_id":"chk_065135f135338992","chunk_index":55,"chunk_sha256":"b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c","token_estimate":447,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Neighborhood\nPresent Land Use\nPercent\n\nNeighborhood\nPresent Land Use\nPercent\n\nNeighborhood\nPresent Land Use\nPercent\n\nNeighborhood\nPresent Land Use\nPercent\n\nNeighborhood\nPresent Land Use\nPercent\n\nGSE Neighborhood\nBoundaries\nDescription\n\nNeighborhood\nDescription\nNeighborhood\nMarket Conditions\nDescription\n\nSite Dimensions\nDescription\n\nSpecifies the typical length of time a\nproperty would stay on the market\nbefore being sold in the\nneighborhood\nThe low price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe high price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe predominant price of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nThe age, in years, of the newest\nneighborhood housing specified in\nNeighborhood Housing Type.\nThe age, in years, of the oldest\nneighborhood housing specified in\nNeighborhood Housing Type.\nThe predominant age, in years, of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use\nType.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use\nType.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use\nType.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use\nType.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use\nType.\n\nThe boundaries of the subject\nneighborhood. These boundaries may\ninclude but are not limited to streets,\nlegally recognized neighborhood\nboundaries, waterways, or other\nnatural boundaries that define the\nseparation of one neighborhood from\nanother.\n"}
diff --git a/chunks/json/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.json b/chunks/json/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.json
new file mode 100644
index 0000000000000000000000000000000000000000..a90843bffc1920ae1126fbf15e083a90b75d4973
--- /dev/null
+++ b/chunks/json/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":503994,"char_start":502481,"chunk_id":"chk_38cd9b900572aad7","chunk_index":291,"chunk_sha256":"b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"None\n\nNone\n\nStreet Type | Surface\n\nLocal Road | Asphalt\n\nPastoral | Full\n\nPastoral | Full\n\nLocal Road\n| Asphalt\n\nPastoral | Full\n\nRural Road\n| Gravel\n\nAgricultural | Full\n\n1979\n\nColonial\n\n1980\n\nColonial\n\n$0\n\n1984\n\nColonial\n\n$0\n\n1938\n\nFarmhouse\n\nForced Warm Air | Electric\n\nForced Warm Air\n\nForced Warm Air\n\nForced Warm Air\n\nEnergy Efficient And Green Features\n\nRenewable Energy\nComponent\n\nEfficiency Rating\n\nSolar\n\nHERS | 65\nHome Energy Score | 7\n\n$0\n\nNone\n\nNone\n\n$0\n\nSolar\n\nHERS | 65\nHome Energy Score | 8\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nLocation of ADU\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n5\n\n3 | 1\n\n5\n\n3 | 1\n\n3\n\n$0\n\n2 | 1\n\n$30,000\n\n3,228 Sq. Ft.\n\n$0\n\n3,562 Sq. Ft.\n\n$(20,640)\n\n1,856 Sq. Ft.\n\n$115,840\n\n1,581 Sq. Ft.\n\n$(9,480)\n\n1,000 Sq. Ft.\n\n$13,760\n\n616 Sq. Ft.\n\n395 Sq. Ft.\n\n$4,420\n\n281 Sq. Ft.\n\n$6,700\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n$53,760\n\n$12,320\n\nStandalone ADU\n\nDwelling\n\n1\n\n1 | 0\n\n$0\n\n$0\n\nDwelling\n\n1\n\n1 | 0\n\n$0\n\n$0\n\nADU/Garage\n\n1\n\n1 | 0\n\n$0\n\n$0\n\n500 Sq. Ft.\n\n$(1,840)\n\n0 Sq. Ft.\n\n$18,560\n\n625 Sq. Ft.\n\n$(6,440)\n\n0 Sq. Ft.\n\n500 Sq. Ft.\n\n$(20,000)\n\n0 Sq. Ft.\n\n5\n\n3 | 1\n\n3,304 Sq. Ft.\n\n1,344 Sq. Ft.\n\n0\n\n1 | 0\n\n464 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nExterior Walls and Trim\n\nRoof\n\nCondition\n\nQ4\n\nAluminum\n\nComposition\n\nC3\n\nQ4\n\nVinyl\n\nMetal\n\nC3\n\nQ4\n\nAluminum\n\nComposition\n\nC3\n\nQ2\n\nCement Board\n"}
diff --git a/chunks/json/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.json b/chunks/json/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.json
new file mode 100644
index 0000000000000000000000000000000000000000..01792a54d403e93e3a93cb5690acd87a4d21021d
--- /dev/null
+++ b/chunks/json/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":688849,"char_start":687168,"chunk_id":"chk_6200da1fd5abbc3f","chunk_index":410,"chunk_sha256":"b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Income Approach – Indicated Value by Income Approach\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n24.022 Total Monthly\n\nAlways required\n\nDollar amount\n\nMarket Rent\n\n24.023\n\nx Gross Rent\nMultiplier\n\nAlways required\n\nNumber\n\nDefinition / Additional Guidance\n\nRedisplays from the Rental Information section 23.01.21.\nNote: For the subject, the Gross Monthly Rent 24.007 may not equal the Total\nMonthly Market Rent 24.022.\n\nThe factor used in calculating the indicated value of the subject property when\nusing the Income Approach method of property valuation.\n\nNote: This information is input by the appraiser based on their analysis of the\nGross Rent Multipliers for the GRM comparables 24.020.\n\n24.024 = Indicated\n\nAlways required\n\nDollar amount\n\nCalculated: Total Monthly Market Rent x Gross Rent Multiplier\n\nValue by Income\nApproach\n\nAppendix F-1: URAR Reference Guide\n\nPage 309 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\nIncome Approach Commentary\n\nThe Income Approach Commentary subsection always displays when Income Approach is included in the report.\n\nReport\nField ID\n\n24.025\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIncome Approach Commentary\n\nIncome\nApproach\nCommentary\n\nAlways required\n\nFree-form\n\nReport additional details and analysis to support conclusions, including how\nComparable Weight and Gross Rent Multiplier were determined.\n\nNote: Overall reconciliation of value is reported in the Reconciliation section.\n\nIncome Approach Exhibits\n\nAll photos or images related to the Income Approach section are displayed in the Income Approach Exhibits subsection.\n"}
diff --git a/chunks/json/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.json b/chunks/json/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.json
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index 0000000000000000000000000000000000000000..3aafeaf889e3a03d6eb9432ea1c1f262aee7892b
--- /dev/null
+++ b/chunks/json/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37811,"char_start":36158,"chunk_id":"chk_533d51c69b733c8a","chunk_index":21,"chunk_sha256":"b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"•\n•\n•\n•\n\n•\n\nID\n\n04.019\n04.034\n\nRequired if Credential\nType is not None\n\nFree-form\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber,” “license number,” or “certification number.”\nNote: Do not include state in the ID field unless it is part of the credential\nnumber as reported on the ASC National Registry.\n\nState\n\n04.020\n04.035\n\nRequired if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state.”\n\nExpires\n\n04.021\n04.036\n\nRequired if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\n\nOther Information About Appraiser and Supervisory Appraiser\n\nAssignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nASC Identifier\n\nIf applicable\n\nFree-form\n\nVA Appraiser ID\n\nIf applicable\n\nFree-form\n\nFHA Appraiser ID\n\nIf applicable\n\nFree-form\n\nReport\nField ID\n\n04.022\n04.037\n\n04.023\n04.038\n\n04.024\n04.039\n\nDefinition / Additional Guidance\n\nA unique identifier for the individual appraiser or supervisory appraiser as\nassigned by the Appraisal Subcommittee.\nNote: If ASC Identifier is not populated for a contact, it does not display.\n\nA unique identifier for the individual appraiser as assigned by the U.S.\nDepartment of Veterans Affairs. Only one identifier per individual.\n\nReference VA appraisal guidelines for more information.\n\nA unique identifier for the individual appraiser as assigned by the U.S. Federal\nHousing Administration.\n\nReference FHA appraisal guidelines for more information.\n"}
diff --git a/chunks/json/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.json b/chunks/json/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.json
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index 0000000000000000000000000000000000000000..0de3bf273828e69f33c8c9563b44ab880c7e43cb
--- /dev/null
+++ b/chunks/json/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45299,"char_start":43557,"chunk_id":"chk_97857a8112a7a5cd","chunk_index":26,"chunk_sha256":"b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b","token_estimate":436,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"PDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nX\n\nX\n\nPDF / JSON\n\nPDF / JSON\n\nBoth\n\nX\n\nX\n\nX\n\nPDF / JSON\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nPDF Data Point Name\n\nJSON SSR\nField Name\n\nDefinition / Description\n\nAppears on…\n[FNM, FRE, Both] *\n\nReport Type\n\nURAR\n\nUpdate\nReport\n\nCompletion\nReport\n\nFormat\nType\n\nPDF / JSON\n\ndirectional, address unit designators and address\nunit value.\n\nA value that specifies a further level of detail for a\nstreet address. If there is a designator, it will return\nas “Unit.”\n\nBoth\n\nX\n\nX\n\nX\n\nAddress Unit Designator\nType\n\naddressUnitDesignat\norType\n\n{Part of Property Address;\ndoes not appear as discrete\ndata point on PDF}\n\nAddress Unit Identifier\n\naddressUnitIdentifier\n\n{Part of Property Address;\ndoes not appear as discrete\ndata point on PDF}\n\nProperty Affected\n\npropertyAffected\n\nComparable Number\n\ncomparableNumber\n\n{Appears as part of the\nProperty Affected; does not\nappear as discrete data\npoint on PDF}\n\nProperty Valuation\nMethod\n\npropertyValuationMe\nthodType\n\nReport Date/Time\n\nreportDateTime\n\nReport Label/Value\n\nreportLabel\n\nThe identifier value associated with the Secondary\nAddress Unit Designator. Example: 123, C, B1C, etc.\n\nBoth\n\nX\n\nX\n\nIndicates if the property is affected by the finding,\nand, if so, whether the property is the subject or one\nof the comparable.\n\nIf the property affected by the finding is one of the\ncomparables, this data point will appear in the\nProperty Affected column indicating the number of\nthe comparable (e.g., the Property Ordinal Number).\n"}
diff --git a/chunks/json/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.json b/chunks/json/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.json
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index 0000000000000000000000000000000000000000..e5bdbee41a61753423d4d112ffc0e22b06a865de
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+++ b/chunks/json/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":203513,"char_start":201856,"chunk_id":"chk_8a3b34ad07bd72f9","chunk_index":199,"chunk_sha256":"b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\n05 Disaster Mitigation\n\nPage 141\n\nThe Disaster Mitigation section provides information about disaster mitigation features that exist on the property. This section provides\nspace for additional commentary and exhibits.\n\nThe Disaster Mitigation section displays when DisasterMitigationFeatureType (UID: 3700.0002, FID: 5.000) is a value other than ‘None’. If\nDisasterMitigationFeatureType = “none”, this section does not display. If there are multiple disaster mitigation features, display as stacked on\nseparate lines.\n\nDisaster Mitigation Commentary\n\nThe Disaster Mitigation Commentary subsection must display when the Disaster Mitigation section is included in the report. Any\ncommentary must use ValuationCommentText (UID: 3700.0004, FID: 5.001) and ValuationAnalysisCategoryType (UID: 3700.0005, FID: 5.001)\n= “DisasterMitigation”.\n\n<VALUATION_COMMENTARY>\n\n<ValuationAnalysisCategoryType>DisasterMitigation</ValuationAnalysisCategoryType>\n<ValuationCommentText>Additional commentary may be added here.</ValuationCommentText>\n\n</VALUATION_COMMENTARY>\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisaster Mitigation Exhibits\n\nThe Disaster Mitigation Exhibits subsection displays only when images are provided. All text must display above the image in bold font.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 5.002.1) = “DisasterMitigationExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 5.002.2).\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n"}
diff --git a/chunks/json/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.json b/chunks/json/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.json
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index 0000000000000000000000000000000000000000..ead34f853d9f4b17cae207b0f3c4175e93a9b99c
--- /dev/null
+++ b/chunks/json/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":247389,"char_start":245782,"chunk_id":"chk_e77eeb179980f560","chunk_index":144,"chunk_sha256":"b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Allowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n19\n\nEnumerated\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nR\n\nR\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nR\n\nR\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 61 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n318\n\n2\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other\nDescription)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n319\n\n320\n\n321\n\n2\n\n2\n\n2\n\n65\n\n66\n\n67\n\nSALES\nCOMPARISON\nAPPROACH\n\nView Adjustment\n\nSale Price\nAdjustment Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\n\nSale Price\nAdjustment\nDescription\n\nSALES\nCOMPARISON\nAPPROACH\n"}
diff --git a/chunks/json/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.json b/chunks/json/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.json
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index 0000000000000000000000000000000000000000..59e76afe9bf82f0af7f0e32fd09d47b30d2774c2
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+++ b/chunks/json/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.json
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+{"chunk":{"char_end":1678,"char_start":0,"chunk_id":"chk_289687ccbf6856a6","chunk_index":0,"chunk_sha256":"b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b","token_estimate":420,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Version 2.1 Data Dictionary\n\nFebruary 4, 2025\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nDisclosure\nAvoidance\nMethod\n\nAppraisal Form\nSection\n\nNotes\n\nrecord_id\n\nUnique Appraisal ID\n\nyear\n\nAppraisal Year\n\nweight\n\nSample Weight\n\nstate_fips_2010\n\n2010 Census State FIPS\nCode\n\nA unique identification value\nfor each appraisal record. FHFA\ncreated this data field. It has\nno relationship to any unique\nidentification data fields in the\noriginal UAD appraisal records.\n\nThe year of the appraisal report\neffective date. This data field is\nused to stratify the sample.\n\nThe sampling weight for the\nappraisal record, based on\nstratification by year and\nsimple random sampling within\na year. Currently, the weight is\nthe same value for all records.\n\n2010 Census State Federal\nInformation Processing System\n(FIPS) Code (e.g., 02, 15)\n\nCharacter\n\nDerived Field\n\nNumeric\n\n2013, 2014, etc.\n\nDerived Field\n\nNumeric\n\n20\n\nDerived Field\n\nCharacter\n\nCharacters 1-2:\nState\n\ncounty_fips_2010\n\n2010 Census County FIPS\nCode\n\n2010 Census County FIPS Code\n(e.g., 01001, 13005)\n\nCharacter\n\nCharacters 1-2:\nState\nCharacters 3-5:\nCounty\n\nCounty is\nsuppressed when\nfewer than 11\nappraisals\nrecords exist in\n\nFederal Housing Finance Agency\n\nDerived Field\n\nDerived Field\n\nA missing county\nnumber means either\ndata suppression or\nFHFA did not have\nsufficient address\n\n1\n\nAppraisal Form\nSection\n\nNotes\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\ntract_fips_2010\n\n2010 Census Tract\n\nThe 2010 Census Tract for the\nsubject property for appraisals\nconducted from 2013–2021.\n"}
diff --git a/chunks/json/b4a6faeff3297aa9b21e326cbabb715e31cb1f02a49852b0240021972a17369b.json b/chunks/json/b4a6faeff3297aa9b21e326cbabb715e31cb1f02a49852b0240021972a17369b.json
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diff --git a/chunks/json/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.json b/chunks/json/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.json
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+++ b/chunks/json/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.json
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+{"chunk":{"char_end":17280,"char_start":15680,"chunk_id":"chk_a8b7e08c51abc642","chunk_index":9,"chunk_sha256":"b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247","token_estimate":400,"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":"Market\n\nMarket Area Boundary Main Road to the North, East Main Road to the East, West Main Road to the West, and Southern Highway to the\nSouth.\n\nSearch Criteria Description Detached, 1 story, manufactured, modular, and site built dwellings with no basements located within Market\nBoundaries and sold from 6/1/21 - 3/1/22.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n15\n120\n$89,000\n$265,000\n$400,000\n1\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nPrice Trend Source\n\n27\n$159,000\n$250,000\n$375,000\nNo\nLocal MLS\nSmokey Bear Gazette\n\nPrice Trend Analysis Commentary Market data reflects the manufactured and modular home market in the subject’s area. The data\nindicates the market is stable to slightly increasing with sales activity of 1 to 2 sales per month which is typical for this rural area. The Smokey\nBear Gazette is a local print media that reports non-MLS home sales and listings. 2 active listings and 3 sales were reported for the 9 months\nprior to the effective date of the appraisal and are included in the data reported above.\n\nHousing Trends\n\nDemand/Supply\n\nIn Balance\n\nMarketing Time\n\n3 to 6 Months\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nMLS\n\nPrior 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\nLand Sale\n"}
diff --git a/chunks/json/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.json b/chunks/json/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e4caba46f6b64a291235e9dc01160d83b8fcafa
--- /dev/null
+++ b/chunks/json/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":109677,"char_start":107989,"chunk_id":"chk_290c49840037663f","chunk_index":61,"chunk_sha256":"b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c","token_estimate":422,"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\n•\n\nIf the transaction involves property data collection, the lender is responsible for\n\n•\n•\n•\n•\n\ncompliance with the Property Data Collector Independence Requirements;\nselection of the property data collector (see SB4-1.4-11, Value Acceptance + Property Data);\nsuccessful submission of the data to Fannie Mae's Property Data API prior to loan delivery; and\ncontinually evaluating the property data collector's work through the quality control process (see Selling Guide D1-3-04,\nLender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data\nCollection).\n\nConfirmation and Documentation of the Current Owner\n\nPublicly available information helps to identify property flipping schemes, which typically involve various combinations of\ntransactions and result in a sale of recently acquired property for significant profit based on a misleading or fraudulent appraisal\nwith an inflated property value. The lender must confirm that the property seller in a purchase transaction (or the borrower in a\nrefinance transaction) is the owner of the subject property.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 46 of 166\n\nUAD 3.6 Policy\n\nLenders must confirm and document in the loan file that the property seller in a purchase money transaction or the borrower in a\nrefinance transaction is the owner of the subject property when an appraisal is required. Examples of acceptable documentation\ninclude, but are not limited to:\n\n•\n•\n•\n•\n•\n\na copy of a recorded deed, mortgage, or deed of trust,\na recent property tax bill or tax assessment notice,\na title report,\na title commitment or binder, or\na property sale history report.\n"}
diff --git a/chunks/json/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.json b/chunks/json/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.json
new file mode 100644
index 0000000000000000000000000000000000000000..da7dd8b8c96800850b5cb163184da26672a63943
--- /dev/null
+++ b/chunks/json/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21702,"char_start":19789,"chunk_id":"chk_9e93269f4404c640","chunk_index":13,"chunk_sha256":"b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481","token_estimate":478,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nOccupant – Checkbox designated with an ‘x’\n\nSpecial Assessments $\nThe appraiser should enter any special\nassessment applicable to the subject\nproperty. It must be expressed as an annual\nor annualized amount. If there is more than\none special assessment, enter the annualized\nsum of all special assessments. If there are\nno special assessments applicable to the\nsubject property, enter the numeral zero (0).\nAdditional information about special\nassessments may be provided elsewhere in\nthe appraisal report.\n\nReporting Format:\nSpecial Assessments $ – Currency, whole\ndollars only\n\nPUD (Indicator)\nThe appraiser must indicate if the property is\nlocated in a Planned Unit Development\n(PUD). If the checkbox is indicated, the\nappraiser must select ‘Yes’ or ‘No’ in response\nto the question, “Is the developer/builder in\ncontrol of the Homeowners’ Association\n(HOA)?” located in the PUD Information\nsection.\n\nReporting Format:\nPUD (Indicator) – Checkbox designated with\nan ‘x’\n\nPage 10 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nHOA $, Per Year, Per Month\nThe appraiser must enter all applicable\nhomeowners’ association (HOA) fees\nassociated with the subject property.\nAdditionally, the appraiser must select the\nappropriate checkbox to indicate if the amount\nis payable per year or per month. Only one\nselection is permitted. If the amount is paid on\na different frequency (e.g., bi-monthly or semi-\nannually), it must be normalized as either per\nyear or per month for reporting.\n"}
diff --git a/chunks/json/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.json b/chunks/json/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.json
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index 0000000000000000000000000000000000000000..80d0ba079c300896db93adb3cdc8d54e2eac555d
--- /dev/null
+++ b/chunks/json/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19230,"char_start":17610,"chunk_id":"chk_f56f4dda769a2a57","chunk_index":10,"chunk_sha256":"b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Cooperative\n\nCondop\n\nLegal Description\n\nA project that has condominium ownership rights.\n\nA project that has cooperative ownership rights.\n\nA project that contains units with both cooperative and condominium ownership rights.\nExample: A mixed-use condo building with commercial spaces that are individual condo units, and a residential portion\nthat is a cooperative consisting of individual residential co-op units (all of the residential co-op units together make up one\ncondominium unit).\n\nReport\nField ID\n\n01.004\n\nSee\niGuide\n\nSubject Property: Legal Description\n\nReport Label\n\nWhen to Include\n\nLegal\nDescription\n\nAlways required\n\nAllowable\nAnswers / Format\n\nFree-form or\nimage\n\nDefinition / Additional Guidance\n\nDescription of all parcels referenced in the original appraisal.\n\nProvide one Legal Description for the entire property, including all parcels. It\nmay be provided as text (01.004) or as an image, such as in cases where the\nLegal Description is lengthy. A caption may be provided to further identify the\nimage.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 10 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Original Appraisal\n\n02 Original Appraisal\n\nThe Original Appraisal section, containing information from the original appraisal, always displays.\n\nOriginal Appraisal\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n02.001 Effective Date of\nAppraisal\n\nAlways required\n\nmm/dd/yyyy\n\nIn the original appraisal, the date to which the appraiser’s analyses, opinions,\nand conclusions applied; also referred to as date of value.\n"}
diff --git a/chunks/json/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.json b/chunks/json/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.json
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index 0000000000000000000000000000000000000000..b07184b1049e40455ee27f008af7ce719d2e62f2
--- /dev/null
+++ b/chunks/json/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":395269,"char_start":394039,"chunk_id":"chk_0f0049b22f94214b","chunk_index":221,"chunk_sha256":"b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"12.3 Reg §1026.38(j)(2)(iv) pp. 80125, 80022.\n\n12.4 Reg §1026.38(j)(2)(v) pp. 80125, 80357, 80022; Sample forms: H–25(C) p. 80186; H-25(D) pp. 80186-7.\n\n12.5 Reg §1026.38(j)(2)(v) pp. 80125, 80357, 80022.\n\n12.6 Reg §1026.38(j)(2)(vi) pp. 80125, 80357-8, 80022-23.\n\n12.7 Reg §1026.38(j)(2)(vii) pp. 80125, 80023.\n\n12.8 Reg §1026.38(j)(2)(viii) pp. 80125, 80023.\n\n12.9 Reg §1026.38(j)(2)(ix) pp. 80125, 80023.\n\n12.10 Reg §1026.38(j)(2)(x) pp. 80125, 80023.\n\n12.11 Reg §1026.38(j)(2)(xi) pp. 80125, 80358, 80023.\n\nAppendix E: UCD Implementation Guide\n\nPage 181 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n13.0 Calculation (Borrower’s Transaction)\n\n13.0 CALCULATION (BORROWER’S TRANSACTION)\n\nAs shown in the following figure, the CALCULATION section of the BORROWER’S TRANSACTION table provides\nthe result of:\n\n•\n\nSubtracting the sum of all line items disclosed as the total for 13.2.1 L. Paid Already by or on Behalf of\nthe Borrower at Closing from\n\n• The sum of all line items disclosed as the total for section 13.1.1 K. Due from Borrower at Closing.\n\nThe resulting disclosed amount is due from the borrower(s) if positive, and due to the borrower(s) if negative.\n\nSummaries of Transactions\n\nBORROWER’S TRANSACTION (11.0 – 13.0)\n"}
diff --git a/chunks/json/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.json b/chunks/json/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.json
new file mode 100644
index 0000000000000000000000000000000000000000..f38cadba326d2eedecca89cd48efb82331e06195
--- /dev/null
+++ b/chunks/json/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15212,"char_start":13579,"chunk_id":"chk_61bbdef1d606ee1e","chunk_index":7,"chunk_sha256":"b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Source\n\nMISMO\n\nDate\n\n2010-05\n\nFannie Mae actively participated in the MISMO Workgroups that defined the MISMO Version 3.0\nstandards. The MISMO Workgroup’s membership included technical and business representation from\nkey mortgage industry lenders and vendors. The use of industry-standard documents and data is\nrecognized as a critical component for industry automation, streamlining, and interoperability.\n\nThe MISMO Version 3.0 Reference Model Identifier 3.0.0.263.12 continues to be the basis for the ULDD.\nAs MISMO continues to publish newer versions of the Reference Model, Fannie Mae will work with Freddie\nMac to evaluate the Model to determine whether to implement the new version. With the release of ULDD\nPhase 3, some data points are leveraged from MISMO Reference Model v3.4 and are included as extensions\nto the MISMO Reference Model v3.0. See section 5.12 Supporting Extensions in MISMO Version 3.0\nReference Model for further details.\n\n4. Technical Overview\nThe Implementation Guide is designed to be used in combination with the following documents that work\ntogether to form the basis for creating a Fannie Mae loan delivery XML file. Refer to the following appendices\nand tools (which are provided as separate documents). Descriptions of each appendix are provided below:\n\n Appendix A: Fannie Mae XML Data Requirements\n\n Appendix B: Fannie Mae Usage Scenarios\n\n Appendix C: Fannie Mae XML Samples\n\n Appendix D: Fannie Mae XML Data Reference\n\n Appendix E: MISMO V. 3.0 Reference Model and ULDD Extension schema (.zip)\n\n\n\n ULDD Phase 3 Integration Test Cases\n\nTable 2 - MISMO Reference Model and LDD URL\n"}
diff --git a/chunks/json/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.json b/chunks/json/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.json
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index 0000000000000000000000000000000000000000..e0d0d1f405338bb7a126cce6757a682081aaafa2
--- /dev/null
+++ b/chunks/json/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29200,"char_start":27454,"chunk_id":"chk_502445d0b8bf7eba","chunk_index":15,"chunk_sha256":"b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9","token_estimate":437,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain\nlaws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice\nthat pertain to disclosure or distribution by me.\n\n23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage\ninsurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part\nof any mortgage finance transaction that involves any one or more of these parties.\n\n24. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\n25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or\ncriminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States\nCode, Section 1001, et seq., or similar state laws.\n\nSUPERVISORY APPRAISER’S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:\n\n1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s\nanalysis, opinions, statements, conclusions, and the appraiser’s certification.\n"}
diff --git a/chunks/json/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.json b/chunks/json/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a979bed1ae0859f58f68a0a7eeb553eaea04825
--- /dev/null
+++ b/chunks/json/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36940,"char_start":36242,"chunk_id":"chk_561a6035a471d77f","chunk_index":54,"chunk_sha256":"b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135","token_estimate":606,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Dwelling Exterior Exhibits ......................................................................................................................................................................................................... 166\n\nDwelling Exterior – Arcrole Relationships ................................................................................................................................................................................ 167\n\n09 Manufactured Home ....................................................................................................................................................................................................................... 169\n"}
diff --git a/chunks/json/b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d.json b/chunks/json/b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d.json
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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_0a71e3417cd792be","chunk_index":0,"chunk_sha256":"b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_706b45ae4b661a92","text_sha256":"b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_s62wbf.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/research\"\ndate_accessed: \"2026-01-27T17:47:56.958Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.json b/chunks/json/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.json
new file mode 100644
index 0000000000000000000000000000000000000000..afc6c1d35bf2739dd63bb55b43a7cb830c58b79c
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+++ b/chunks/json/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":222214,"char_start":220488,"chunk_id":"chk_93428de4e2f29c7d","chunk_index":129,"chunk_sha256":"b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/S\nALE_PRICE_ADJUSTMENT[@_Type='Other']\n[3]/@_Description\n\nData Point Field\nLength\n\nFormat\n\n20\n\nString\n\n288\n\n2\n\n45\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress (Line 1)\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g.,\n123 Main Street).\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@PropertyStreetAddress\n\n35\n\nString\n\nShould be populated if field 2-43 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address elements must be\nincluded in this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or\npost-directional indicator)\n• Address unit designator and number (if applicable)\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n289\n\n290\n\n291\n\n2\n\n2\n\n2\n\n46a\n\n46b\n\n46c\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty City\n\nThe city in which the subject property\nis located.\n\nProperty State\n\nThe state in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@PropertyCity\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/LOCATION/@PropertyState\n"}
diff --git a/chunks/json/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.json b/chunks/json/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.json
new file mode 100644
index 0000000000000000000000000000000000000000..d4a5a091ddca90d53deed0dc1603ebe0a69aaa1f
--- /dev/null
+++ b/chunks/json/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45319,"char_start":43692,"chunk_id":"chk_9d453c9f2f4e7264","chunk_index":29,"chunk_sha256":"b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"<M ESSA GE>\n<DEA L_ SETS>\n <DEA L_ SET>\n <DEA LS>\n <DEA L>\n :\n :\n <PARTIES>\n <PARTY\n :\n :\n <INDIVIDUAL>\n <NAME>\n <FirstName>John</FirstName>\n <LastName>Homeowner</LastName>\n </NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE>\n <BORROWER>\n <CURRENT_INCOME>\n <CURRENT_INCOME_ITEMS>\n <!--Income from Current Employer 1-->\n <CURRENT_INCOME_ITEM SequenceNumber=\"1\" xlink:label=\" CURRENT_INCOME_ITEM_1\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <IncomeType>Base</IncomeType>\n <CurrentIncomeMonthlyTotalAmount>1000</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n\n<CURRENT_INCOME_ITEM SequenceNumber=\"2\" xlink:label=\" CURRENT_INCOME_ITEM_2\">\n\n<CURRENT_INCOME_ITEM_DETAIL>\n <IncomeType>Overtime</IncomeType>\n <CurrentIncomeMonthlyTotalAmount>400</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 27 of 29\n\nVersion 1.1\n\nAppendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples\n\n<!--Income from Current Employer 2-->\n <CURRENT_INCOME_ITEM SequenceNumber=\"3\" xlink:label=\" CURRENT_INCOME_ITEM_3\">\n <CURRENT_INCOME_ITEM_DETAIL>\n <IncomeType>Base</IncomeType>\n <CurrentIncomeMonthlyTotalAmount>950</CurrentIncomeMonthlyTotalAmount>\n <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>\n </CURRENT_INCOME_ITEM_DETAIL>\n </CURRENT_INCOME_ITEM>\n <EMPLOYERS>\n <EMPLOYER SequenceNumber=\"1\" xlink:label=\"EMPLOYER_1\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n\n<FullName>ABC Corporation</FullName>\n"}
diff --git a/chunks/json/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.json b/chunks/json/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.json
new file mode 100644
index 0000000000000000000000000000000000000000..e67305f2df9e0e93de41b6b58c4139eb5a16b195
--- /dev/null
+++ b/chunks/json/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":191946,"char_start":190369,"chunk_id":"chk_5d0597f1cfd83ecf","chunk_index":192,"chunk_sha256":"b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o\n\nSanitary Sewer\n▪ When UtilityType (UID: 1500.0104, FID: 4.081) = “SanitarySewer”:\n\n• SewerSystemType (UID: 1500.0166, FID: 4.084), displays the enumerated value\n\no\n\nIf there are multiple sewer system types , separate by a “|”\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.084) = “true”, display SewerSystemType followed by “(Shared)”, in\n\nsame cell.\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.084) = “false”, do not display\n\n• AND GovernmentAgencyAppraisalType (UID: 1000.0121, FID: 2.008) = \"FHA\" AND\nPublicSewerUtilityAvailableNotConnectedIndicator (UID: 1500.0168, FID: 4.084)\n\no When “true”, display “Public sewer available not connected”\no When “false”, display “Public sewer not available”\n\no Water\n\n▪ When UtilityType (UID: 1500.0104, FID: 4.087) = “Water”:\n\n• WaterSourceType (UID: 1500.0111, FID: 4.090), displays the enumerated value\n\no\n\nIf there are multiple water sources , separate by a “|”\n\n• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.090) = “true”, display WaterSourceType followed by “(Shared)”, in\n\nsame cell.\n\n• UtilitySharedIndicator (UID: 1500.0103, FID: 4.090) = “false”, do not display\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 132\n\n•\n\nIf GovernmentAgencyAppraisalIndicator (UID: 1000.0122, FID: Not on report) = \"true\" AND\n\no WaterSourceType (UID: 1500.0111, FID: 4.090) = “well”\n\n▪ WaterWellType (UID: 1500.0110, FID: 4.090) may be provided\n\n• Example: Well - Drilled (Shared)\n\n▪ UtilityMeetsDistanceRequirementIndicator (UID: 1500.0113, FID: 4.090)\n\n• When “true”, display \"Well meets distance requirements\"\n"}
diff --git a/chunks/json/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.json b/chunks/json/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..2e54a491c1616dcfbf1514bd2151a4e45173e592
--- /dev/null
+++ b/chunks/json/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11706,"char_start":10262,"chunk_id":"chk_d40e5ac02ef302cd","chunk_index":6,"chunk_sha256":"b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_80141fc5f7cc473c","text_sha256":"b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac","token_estimate":406,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1075_466.pdf"]},"text":"52\n53\n\n54\n\n67\n\n69\n\n24\n\n23\n\n71\n73\n\n25\n26\n\n$ 15\n\nSUBJECT\n\ne-14; e-15; e-16\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\nDESCRIPTION\n\nDESCRIPTION\n59\ne-26; e-27; e-28\n\nFEATURE\nAddress and 11\nUnit # 12a12b12c12d\nProject Name and 13\nPhase 14\nProximity to Subject\nSale Price\nSale Price/Gross Liv. Area $ 16 sq. ft. $ 56 sq. ft.\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nHOA Mo. Assessment\nCommon Elements\nAnd Rec. Facilities\nFloor Location\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n44\n46\n48\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nSummary of Sales Comparison Approach 118\n\n106\n108\n110\n112\n + -\n115\n114\n\nTotal Bdrms. Baths Total Bdrms. Baths\n\nNet Adj. 116a %\nGross Adj. 116b %\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n36 sq. ft.\n\n92 sq. ft.\n\n43\n45\n47\n49\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\ne-17; 83\n\ne-17; 31\n\n100\n\n104\n\n102\n\n90\n\n32\n\n88\n\n40\n\n41\n\n39\n\n30\n\n27\n\n29\n\n33\n\n85\n\n81\n\n98\n\n89\n\n79\n\n35\n\n34\n\n42\n\n75\n\nCOMPARABLE SALE # 1\n50\n51a51b51c51d\n\n$ 55\n\ne-25; e-2\n\n58\n\nCOMPARABLE SALE # 2\n50\n51a51b51c51d\n\nCOMPARABLE SALE # 3\n50\n51a51b51c51d\n\n52\n53\n\n54\n\n52\n53\n\n54\n\n$ 55\n\n$ 55\n\n$ 56 sq. ft.\n\n$ 56 sq. ft.\n\ne-25; e-2\n\n58\n\ne-25; e-2\n"}
diff --git a/chunks/json/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.json b/chunks/json/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.json
new file mode 100644
index 0000000000000000000000000000000000000000..83de981f8e0995ed66f335f1c6086cd917b44f1c
--- /dev/null
+++ b/chunks/json/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":140735,"char_start":138752,"chunk_id":"chk_2b10d2982e9cd5fe","chunk_index":79,"chunk_sha256":"b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a","token_estimate":496,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"XML allows the establishment of relationships between containers using a technical\nsyntax (or language) called XML Linking Language (XLink) as defined by the World\nWide Web Consortium (W3C®).10 XLink relationships are expressed using a set of\nattributes that identify two end points and the kind of relationship they have to each other\n(from and to ResourceEndPoints and ArcLink). The relationships are captured in the\nRELATIONSHIPS container.\n\n10 http://www.w3.org/TR/xlink/\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 63 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in ULDDS\n\nFigure VI-1. Questions Answered by the Arc Roles Worksheet.\n\n\n\nIs there a way to establish a relationship between two data points in the\nsame container?\n\n\n\nIs there a way to establish a relationship between two different containers?\n\nThe “Arc Roles” tab of the LDD workbook provides the descriptions between containers\n(Arc Roles).\n\nExample VI-5. Arc Role and Definition.\n\nAttribute: PartyIsSellerOfProperty\nDefinition: A relationship between a party of Role Seller and one of the Properties\n\nthat will be used for collateral.\n\nAttribute: PartySharesAssetsWithParty\nDefinition: A relationship between two parties of Role Borrower\n\nNotes: ULDDS Appendix A is not using Arc Roles.\n\nE. Deprecated Data Points and Containers\n\nThe last two tabs of the LDD workbook, “Deprecated Data Points” and “Deprecated\ncontainers,” provide lists of data points and containers that have been retired from Version\n3.0 of the Reference Model. These two tabs are useful to business partners who have used\nprevious versions of the MISMO standard and are more familiar with those data point or\ncontainer names. The tabs provide a record of whether a data point or container used in an\nearlier version has been renamed for use in the Version 3.0 of the Reference Model or\nbeen excluded altogether.\n"}
diff --git a/chunks/json/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.json b/chunks/json/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a4cfc06a2f93bb92a71aaf8223935fd25be1c36
--- /dev/null
+++ b/chunks/json/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":360910,"char_start":359229,"chunk_id":"chk_ffdc0064e45c6b8a","chunk_index":213,"chunk_sha256":"b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\nAppendix F-1: URAR Reference Guide\n\nPage 151 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nOutbuildings that are Considered Real Property\n\nIf the outbuilding is real property (Outbuilding Considered Real Property (12.002) is Yes), an expanded set of\ninformation for the Outbuilding section displays.\n\nThe “When to Include” column in this chapter only references outbuildings that are considered real property.\n\nGeneral Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n12.002 Considered Real\nProperty\n\nAlways required\n\nYes\n\nOutbuilding Considered Real Property: Indicates whether the outbuilding is\nconsidered real property (e.g., permanently affixed to the land).\n\nOutbuilding: General Information\n\n12.003 Units in\n\nAlways required\n\nNumber\n\nStructure\n\nUnits in Structure: The number of accessory dwelling units in the outbuilding.\n•\n•\n\nIf there are no ADUs in the Outbuilding, enter 0.\nIf there is an ADU in the outbuilding, provide the number of ADUs (1 or\nmore). Examples include:\n\no\n\no\n\nADU/Garage: A detached garage with a living unit above or\nattached by a common wall\nStandalone ADU\n\nNote: Additional information about the ADU including area is captured in the\nUnit Interior section for the ADU.\n\n12.004 Attached to\nPermanent\nFoundation\n\nDisplays here if\nOutbuilding Type is\nManufactured Home\nand Units in Structure\nis 0\n\nYes | No\n\nIndicates whether the manufactured home is attached to a permanent\nfoundation.\n\nNote: If the foundation area is readily accessible, a photo must be provided,\nwhich displays in Outbuilding Exhibits. A caption must be provided to identify\nthe photo.\n"}
diff --git a/chunks/json/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.json b/chunks/json/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.json
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index 0000000000000000000000000000000000000000..84493de59195c0e02265cb8fffe0b9e7bd33d35e
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+++ b/chunks/json/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.json
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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_b8886d43b162776c","chunk_index":0,"chunk_sha256":"b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4","date_utc":"2026-01-27T17:54:28+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_673dec542cc1192c","text_sha256":"b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Duty_to_Serve_Program___FHFA_hjdyjr.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/duty-to-serve\"\ndate_accessed: \"2026-01-27T17:54:20.505Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.json b/chunks/json/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.json
new file mode 100644
index 0000000000000000000000000000000000000000..f61c887820d5bc1b7339751d1f83974bd7a977e7
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+++ b/chunks/json/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":591971,"char_start":590368,"chunk_id":"chk_b3eaf35fe789bf8a","chunk_index":349,"chunk_sha256":"b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address element must be included in\nthis field:\n• Address unit designator and number.\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement – Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28).\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nThis field should include the comparable property project name.\n\nString\n\nThis field should include the subject project phase number. If none, enter 'None'.\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nProximity to Subject - Numeric to 2 decimal places + ‘miles’ + Directional:\nexample: 1.75 miles NW\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nR\n\nR\n\nR\n\nT\n\nR\n\nR\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 112 of 211\n\nDocument Version 1.4\n\nImplementation Notes\n\nConditionality Description\n"}
diff --git a/chunks/json/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.json b/chunks/json/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.json
new file mode 100644
index 0000000000000000000000000000000000000000..888b95d1ea0f4f848db9e7efe07315b1d8e31579
--- /dev/null
+++ b/chunks/json/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":76860,"char_start":74770,"chunk_id":"chk_b77a4f440cdd5f8e","chunk_index":44,"chunk_sha256":"b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7","token_estimate":523,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Any additional information may be reported\nelsewhere in the appraisal report.\n\nNote, the UAD does not limit the number of\ndifferent view factors associated with a\nproperty that may be reported in the appraisal\nreport. If there are more than two view factors,\nan appraiser may choose “other” and then\nenter a text description of the multiple view\nfactors to the extent that the description fits\nwithin the allowable space on the appraisal\nreport form. Any additional information that\ndoes not fit in the allowable space may be\nreported elsewhere in the appraisal report.\n\nReporting Format:\nView Rating – Appraiser must select one\nvalue from the specified list\nView Factors – Appraiser must select one or\ntwo factors from the specified list\n Description of ‘Other’(if applicable) – Text\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\n\nExamples:\nB;Mtn;Wtr\nA;RRtracks [example of appraiser-entered\n‘Other’ description]\n\nRefer to the complete list of acceptable\nabbreviations provided at the end of this\ndocument in Exhibit 3: Requirements –\nAbbreviations Used in Data Standardization\nText.\n\nPage 43 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nQuality of Construction\nThe appraiser must select one quality rating\nfrom the list below for the subject property\nand each comparable property. The appraiser\nmust indicate the quality rating that best\ndescribes the overall quality of the property.\nOnly one selection is permitted. The quality\nrating for the subject property must describe\nthe overall quality of the property as-of the\neffective date of the appraisal and the overall\nquality of each comparable property as-of the\ndate of sale for the comparable properties on\nan absolute basis, not on a relative basis or\nhow the properties relate to other properties in\nthe neighborhood.\n"}
diff --git a/chunks/json/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.json b/chunks/json/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..4c4ac477e99357074c02efd90d6d6685279fbc3a
--- /dev/null
+++ b/chunks/json/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41391,"char_start":40773,"chunk_id":"chk_dd8ba9fee72dfefa","chunk_index":67,"chunk_sha256":"b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8","token_estimate":516,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Itemized List of Repairs ................................................................................................................................. 86\n\nNew Observed Items for Repair ..................................................................................................................... 87\n\nCompletion Status ......................................................................................................................................... 87\n\nCompletion Report Commentary ................................................................................................................... 87\n"}
diff --git a/chunks/json/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.json b/chunks/json/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7ab9c32d93f56f6ea07cab591045e0da4e76bde
--- /dev/null
+++ b/chunks/json/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58898,"char_start":58129,"chunk_id":"chk_7912127f3dfa70ad","chunk_index":42,"chunk_sha256":"b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf","token_estimate":192,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf","below_target_min_tokens"]},"text":"RELATIONSHIP\n\n@xlink:to\n\n2200.0068\n2200.0099\n\nSIGNATORY\nROLE\n\n@xlink:label\n@xlink:label\n\nROLE_n\n\nSIGNATORY_n\nROLE_n\n\nSupervisory Appraiser\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2200.0121\n2200.0122\n2200.0123\n2200.0124\n2200.0110\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nSIGNATORY\nROLE\n\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\nSIGNATORY_n\nROLE_n\nSIGNATORY_n\nROLE_n\n\nEvery party that signs the report is represented in the data using an arcrole. The Appraiser and Supervisory Appraiser signatures displayed in Figure\nArcrole - 2, represents a sample of the arcrole for signatories with a snapshot of the report.\n\nArcrole - 2\n\nPage 51\n"}
diff --git a/chunks/json/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.json b/chunks/json/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.json
new file mode 100644
index 0000000000000000000000000000000000000000..ccc7054c0b59a2b017cbb87e7cf7dddc5ea2f40d
--- /dev/null
+++ b/chunks/json/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11638,"char_start":9990,"chunk_id":"chk_9ebd2e928b5708ed","chunk_index":6,"chunk_sha256":"b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629","token_estimate":412,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"1–5 years\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nQuality Comment\nA mix of restaurant\ngrade and high-end\nresidential appliances\n\nHigh-end residential\nfixtures and nice\ndecorative finishes\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nKitchen has been\nupdated with new\nfixtures, flooring, and\nlighting.\n\nBathroom has a new\njacuzzi jetted tub\nand vanities, flooring,\nshower with subway\ntile, and upgraded\nshower head.\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nHardwood\n\nQuality Comment\nBlended wool carpet, pad\n\nCondition Status\nTypical Wear and Tear\n\nRefinished hardwood\nflooring\n\nTypical Wear and Tear\n\nCondition Comment\nThe flooring throughout the\nsubject has been replaced\nover the last 2–5 years.\n\nRefinished approximately\n5 years ago.\n\nWalls and Ceiling\n\n8 Ft. | Flat\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nUnit Interior Exhibits\n\nLevel 1 - Kitchen\n\nLevel 1 - Bath - Full\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 18\nPage 7 of 18\n\nUnit Interior (continued)\n\nLevel 1 - Bedroom\n\nLevel 1 - Dining Room\n\nLevel 1 - Living Room\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nParking Garage\n\nNumber of Parking Spaces\n1 | Owned\n\nDetail\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n"}
diff --git a/chunks/json/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.json b/chunks/json/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f0e0dd7c28633d8e1c8873e0f633bcb7e9bee14
--- /dev/null
+++ b/chunks/json/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58463,"char_start":56438,"chunk_id":"chk_bf02199f018cd384","chunk_index":49,"chunk_sha256":"b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae","token_estimate":506,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Additional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0055, FID: Not on report)\n\n• When “true”\n\no Display sub-header: Additional Intended Users (FID: 09.006)\no Display in italics below sub-header: Additional Intended Users cannot be contrary to the original Intended User.\no Display the text from ValuationAdditionalIntendedUserDescription (UID: 2200.0011, FID: 09.007) and deliver in XML.\n\n• When “false”\n\no Do not display\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nAppraiser Certifications\n\n09.008\n\nThe Appraiser certifies and agrees that:\n\n09.009\n\n09.010\n\n09.011\n\n09.012\n\n09.013\n\n09.014\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n6\n\nI have no present or prospective interest in the subject property, or relationship with the\npresent or prospective owners or occupants of the subject property, or other parties\ninvolved in this transaction.\nI performed this assignment without bias with respect to the parties involved in this\ntransaction, the subject property, or the demographics of the area where the property is\nlocated.\nI am aware of and have complied with all applicable laws and regulations including\nantidiscrimination laws, rules, and requirements that apply to the appraiser and to the\nassignment.\nI did not base any part of my conclusions on the actual or perceived race, color, religion, sex\n(including sexual orientation or gender identity), age (other than as applicable for legally\nage-restricted communities), marital status, disability, familial status, or national origin of\nthe present or prospective owners or occupants of either the subject property or properties\nin the area of the subject property or on any other basis prohibited by the Fair Housing Act\nor the Equal Credit Opportunity Act, or any other basis prohibited by law.\nI stated my own personal, unbiased, and professional analyses, opinions, and conclusions,\nwhich are subject only to the assumptions and limiting conditions herein.\n"}
diff --git a/chunks/json/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.json b/chunks/json/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.json
new file mode 100644
index 0000000000000000000000000000000000000000..c4d77746ad69e96572d82373299db8a861a7684f
--- /dev/null
+++ b/chunks/json/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":106174,"char_start":104283,"chunk_id":"chk_32981f88be68eb83","chunk_index":140,"chunk_sha256":"b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de","token_estimate":473,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nincluded in the XML file as specified below. Any reference made to an “image” in the following subsections is referring to the following\nmetadata elements of the IMAGE container.\n\nPage 49\n\nComparable Property Image Data\n\nImage data associated with each comparable property (ValuationUseType = “SalesComparable”, “RentalComparable”,\n“GrossRentMultiplierComparable”) must be included in the instance of the PROPERTY container representing the referenced property. For\nexample, image data associated with sales comparable #1 must be included in the instance of the PROPERTY container with\nValuationUseType = ”SalesComparable” and PropertyOrdinalNumber = “1”.\n\nSubject Property Image Data\n\nImage data associated with the subject property must be included in the instance of the PROPERTY container with ValuationUseType =\n“SubjectProperty”. Image data associated with subject property is provided in the XML either by containment or ImageCategoryType. When\nimage data is provided by containment, ImageCategoryType is not required as the parent container gives context to the image.\n\nContainment\n\n•\n\nImage data associated with a given vehicle storage must be included in the IMAGE container located in the instance of the\nCAR_STORAGE container that represents the referenced vehicle storage. For example, image data associated with a driveway\nmust be provided in the IMAGE container in the instance of the CAR_STORAGE where CarStorageType = “Driveway”.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 50\n\n•\n\nImage data associated with a given amenity must be included in the IMAGE container located in the instance of the AMENITY\ncontainer that represents the referenced amenity. For example, image data associated with a patio must be provided in the\nIMAGE container located in the instance of the AMENITY container where AmenityType = “Patio”.\n"}
diff --git a/chunks/json/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.json b/chunks/json/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f456282be1bab9c16a7512ed548e99d9fd3d667
--- /dev/null
+++ b/chunks/json/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":437419,"char_start":435730,"chunk_id":"chk_50f53eb0935aecc1","chunk_index":256,"chunk_sha256":"b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\nProperty Off Site\nImprovement\nExists Indicator\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley' and @_OwnershipType='Public']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty\npe='Alley' and @_OwnershipType='Private']/@_ExistsIndicator\n\n126\n\n1\n\n120\n\nPROJECT SITE\n\nFEMA Special Flood Hazard\nArea\nYes\n\nGSE FEMA\nSpecial Flood\nHazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y']\n\n121\n\nPROJECT SITE\n\nFEMA Special Flood Hazard\nArea\nNo\n\nGSE FEMA\nSpecial Flood\nHazard Area\nIndicator\n\nIndicates whether any part of the subject\nparcel is in a FEMA designated Flood\nZone.\n\n122\n\nPROJECT SITE FEMA Flood Zone\n\nGSE NFIP Flood\nZone Identifier\n\nThe FEMA Flood Zone identifier for the\nsubject site.\n\n123\n\nPROJECT SITE FEMA Map #\n\nGSE FEMA Flood\nMap Identifier\n\nThe FEMA map number of which the\nsubject property is located.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='N']\n"}
diff --git a/chunks/json/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.json b/chunks/json/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.json
new file mode 100644
index 0000000000000000000000000000000000000000..6f56cb12a1f997750d9612bb54f9a3e85e25bc3a
--- /dev/null
+++ b/chunks/json/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15054,"char_start":12727,"chunk_id":"chk_101c1fd4256752f1","chunk_index":8,"chunk_sha256":"b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7","token_estimate":582,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"Indicated Value by: Sales Comparison Approach $ 124\n126\n\nIncome Approach (if developed) $ 125\n\nThis appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to\nthe following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 131\n\n130\n\n129\n\n128\n\n127\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nI\nN\nC\nO\nM\nE\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nBased on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting\nconditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is\n$ 132\n\n, which is the date of inspection and the effective date of this appraisal.\n\n, as of 133\n\nFreddie Mac Form 465 March 2005 226\n\nPage 3 of 6\n\nFannie Mae Form 1073 March 2005\n\n2\n\nIndividual Condominium Unit Appraisal Report\n\nFile # 3\n\n4 4a\n\nThis report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned\nunit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a\ncooperative project.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,\nstatement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended\nuse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may\nexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal\nassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do\nnot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s\ncontinuing education or membership in an appraisal organization, are permitted.\n"}
diff --git a/chunks/json/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.json b/chunks/json/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.json
new file mode 100644
index 0000000000000000000000000000000000000000..f3e69b6b30cdb18fedbbdc974a0baf705650f2da
--- /dev/null
+++ b/chunks/json/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":107201,"char_start":105421,"chunk_id":"chk_bdf714997477a84f","chunk_index":62,"chunk_sha256":"b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d","token_estimate":445,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nName (AMC Name) – Text\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nExhibit 1: Requirements – Condition and Quality Ratings Usage\nAppraisers must utilize the following standardized condition and quality ratings within the appraisal report.\n\nCondition Ratings and Definitions\n\nPage 63 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nC1: The improvements have been recently constructed and have not been previously\noccupied. The entire structure and all components are new and the dwelling features no\nphysical depreciation.\n\nNote: Newly constructed improvements that feature recycled or previously used materials\nand/or components can be considered new dwellings provided that the dwelling is placed on\na 100 percent new foundation and the recycled materials and the recycled components have\nbeen rehabilitated/remanufactured into like-new condition. Improvements that have not been\npreviously occupied are not considered “new” if they have any significant physical\ndepreciation (that is, newly constructed dwellings that have been vacant for an extended\nperiod of time without adequate maintenance or upkeep).\n"}
diff --git a/chunks/json/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.json b/chunks/json/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.json
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index 0000000000000000000000000000000000000000..dcd55ab2aeea9eb32a469ee963feb14d4063bb88
--- /dev/null
+++ b/chunks/json/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":250357,"char_start":248751,"chunk_id":"chk_47cf4a4df7626bfd","chunk_index":227,"chunk_sha256":"b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Area Data Source/Below Grade Finish Compared to Above\n\n10.009\n\nArea Data Source\n\n0700.0125 DataSourceType\n\n10.010\n\nBelow Grade Finish Compared\nto Above\n\n0700.0064 UnitBelowGradeFinishComparisonType\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 10 - 6\n\nPage 180\n\nUnit Interior – ADU\n\nWhen the Accessory Dwelling Units - AccessoryDwellingUnitTotalCount (UID: 0100.0019, FID: 3.006) > “0”, it indicates there is an ADU\npresent in the subject property. The ADU checkboxes and related data will display in each instance of the Unit Interior section.\n\nWhen there are no ADUs in the subject property, AccessoryDwellingUnitTotalCount (UID: 0100.0019, FID: 3.006) = “0”, the ADU checkboxes\nand related data do not display.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 181\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point/Attribute Name\n\nDisplay Rules\n\nUnit Interior: General Information – ADU (Figure 10 - 7)\n\n10.011\n\nADU\n\n0700.0089\n\nAccessoryDwellingUnitIndicator\n\nDisplay checkboxes on each instance of Unit Interior when\nAccessoryDwellingUnitTotalCount > 0\n\n- When AccessoryDwellingUnitTotalCount = “0” checkboxes do not\n\ndisplay\n\n10.012\n\nLegally Rentable\n\n0700.0098\n\nAccessoryDwellingUnitLegallyRentableIndicator\n\nDisplay when AccessoryDwellingUnitIndicator = \"true\"\n\n10.013\n\nData Source\n\n0700.0125\n\nDataSourceType\n\nDisplay when AccessoryDwellingUnitLegallyRentableIndicator = “true”\nIf there are multiple, display as stacked\n\n-\n\nAn arcrole is required for each data source, from DATA_SOURCE_n to\nAccessoryDwellingUnitLegallyRentableIndicator_n\n\n10.014\n\nTypical for Market\n\n0700.0088\n"}
diff --git a/chunks/json/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.json b/chunks/json/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.json
new file mode 100644
index 0000000000000000000000000000000000000000..634e69291dbd8d6bf883f82861bc7954101f2841
--- /dev/null
+++ b/chunks/json/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":473035,"char_start":471354,"chunk_id":"chk_3b48313e37779bd5","chunk_index":280,"chunk_sha256":"b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 200 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n19 Subject Listing Information\n\n19 Subject Listing Information\n\nThe Subject Listing Information section includes information about current and relevant listings of the subject\nproperty, with a minimum 1 year look back. This section provides space for analysis and exhibits, and always\ndisplays.\n\nRelevant Listings\n\nSubject Listing Information: Relevant Listings\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n19.000 Current or\n\nAlways required\n\nYes | No\n\nRelevant Listings\n\nDefinition / Additional Guidance\n\nIndicates whether there are current or relevant listings for the subject property.\nNotes:\n•\n•\n•\n\nIf Yes, the Information for Each Listing table (19.002-19.009) displays.\nIf No, “None” displays.\nDo not report listings that resulted in a sale. These are reported in the\nPrior Sale and Transfer History section.\n\n19.001 Data Source\n\nRequired if Current or\nRelevant Listings is No\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nData Aggregator\nHomeowners Association\nLand Survey\n\nData Source for No Relevant Listings: Data source(s) used to determine that\nthere are no current or relevant listings for the subject property.\n•\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nReal Estate Agent\nOther (Describe)\n\nFor reference, see the Statement of Assumptions and Limiting Conditions\nrelevant to data sources and Appraiser Certification 8.\n"}
diff --git a/chunks/json/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.json b/chunks/json/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.json
new file mode 100644
index 0000000000000000000000000000000000000000..0499636aaddcd8decff140795bcd52fc6908bfb0
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+++ b/chunks/json/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22321,"char_start":20754,"chunk_id":"chk_371a1c115316f206","chunk_index":5,"chunk_sha256":"b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ed9d928a7f72fadf","text_sha256":"b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298","token_estimate":485,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Appendix_C___XML_Samples___Fannie_Mae_ph49ua.md"]},"text":"### Have questions?\n\nGet answers to your policy and guide questions, straight from the source.\n\n[Get Started **](/applications-technology/ask-poli)\n\n###### Work with Fannie Mae\n\n- [Customer Login](/saml/login)\n - [Password Reset](https://passwordreset.fanniemae.com/)\n - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)\n\n###### Products & Solutions\n\n- [Mortgage Products & Options](/originating-underwriting/mortgage-products)\n - [Technology Apps & Solutions](/applications-technology/applications-technology)\n\n###### Support & Resources\n\n- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)\n - [Guide Forms](/selling-servicing-guide-forms)\n - [Learning Center](/learning-center)\n - [News & Events](/news-events)\n - [Report mortgage fraud](/mortgage-fraud-prevention)\n\n###### Other Sites\n\n- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)\n - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)\n - [HomePath](https://www.homepath.com/)\n\n.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }\n\njQuery(document).ready(function () { jQuery('a[href^=\"#\"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });\n"}
diff --git a/chunks/json/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.json b/chunks/json/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.json
new file mode 100644
index 0000000000000000000000000000000000000000..08c523a2b2975423504e728336dc8501d2fe63fa
--- /dev/null
+++ b/chunks/json/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29377,"char_start":27884,"chunk_id":"chk_e3d07fbea190cefb","chunk_index":10,"chunk_sha256":"b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fe9c7f9e0406216b","text_sha256":"b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa","token_estimate":518,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/LIBOR_Transition___FHFA_cx711r.md"]},"text":"[Daniel E. Coates](mailto:Daniel.Coates@fhfa.gov), Acting Chief of Staff and Chairman of the FHFA’s Reference Rate Transition Steering Committee\nPhone: (202) 649-3280 Email: [Daniel.Coates@fhfa.gov](mailto:Daniel.Coates@fhfa.gov); [RRT@fhfa.gov](mailto:RRT@fhfa.gov)\n\n*Page last updated: December 6, 2023​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.json b/chunks/json/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..c45fe444ea7297c30190ba4be8656de6166a6551
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+++ b/chunks/json/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33443,"char_start":31843,"chunk_id":"chk_7a1aae9275b5ffb1","chunk_index":18,"chunk_sha256":"b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"ADDRESS OF PROPERTY APPRAISED\n 19 __________________________________________________\n 20a, 20b, 20c, 20d _____________________________________\nAPPRAISED VALUE OF SUBJECT PROPERTY $ 21_______________\nLENDER/CLIENT\nName 22 _____________________________________________\nCompany Name 23 _____________________________________\nCompany Address 24 ___________________________________\nEmail Address 26 ______________________________________\n\nSignature ___________________________________________\nName 27 ___________________________________________\nCompany Name 28 __________________________________\nCompany Address 29 _________________________________\n 30a, 30b 30c ________________________\nTelephone Number 31 ________________________________\nEmail Address 32 ____________________________________\nDate of Signature 33 _________________________________\nState Certification # 34 ________________________________\nor State License # 35 _________________________________\nState 36 ___________________________________________\nExpiration Date of Certification or License 37 ______________\nSUPERVISORY APPRAISER\n\nSUBJECT PROPERTY\n38\n Did not inspect subject property\n Did inspect exterior of subject property from street\n39\n\nDate of Inspection 40 ______________________________\n\nDid inspect interior and exterior of subject property\n41\n\nDate of Inspection 42 ______________________________\n\nCOMPARABLE SALES\n Did not inspect exterior of comparable sales from street\n43\n Did inspect exterior of comparable sales from street\n44\n\nDate of Inspection 45 ______________________________\n\nFreddie Mac Form 465 March 2005 226\n"}
diff --git a/chunks/json/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.json b/chunks/json/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.json
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index 0000000000000000000000000000000000000000..f0e74a79f409e7d6835ec78938575c14a1d0efa3
--- /dev/null
+++ b/chunks/json/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":82003,"char_start":80006,"chunk_id":"chk_29e80eb6b9175883","chunk_index":50,"chunk_sha256":"b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac","token_estimate":499,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n49\n\nData PointsContainersSection 9: Loan Originator InformationDEALPARTYLOANSPARTIESPartyRoleTypeROLESROLELOANApplicationSignedByLoanOriginatorDateADDRESSESADDRESSTaxpayerIdentifierValueTaxpayerIdentifierTypeAddressLineTextAddressUnitIdentifierCityNameStateNamePostalCodeDOCUMENT_SPECIFIC_DATA_SETSDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILGOVERNMENT_LOANFHALoanLenderIdentifierFHALoanSponsorIdentifierCONTACT_POINTSCONTACT_POINTINDIVIDUALCONTACT_POINT_TELEPHONEContactPointTelephoneValueNAMEFirstNameLastNameMiddleNameSuffixNameLEGAL_ENTITY_DETAILLEGAL_ENTITYFullNameLICENSE_DETAILLICENSELICENSESLicenseIdentifierLicenseAuthorityLevelTypeROLE_DETAILTAXPAYER_IDENTIFIERSTAXPAYER_IDENTIFIERCONTACT_POINT_EMAILContactPointEmailValue\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n50\n\nData PointsContainersLegend:L1. Property and Loan InformationCONSTRUCTIONDEALPARTYCOLLATERALSLOANSLOANPARTIESGovernmentRefinanceTypePropertyEnergyEfficientHomeIndicatorROLESROLEBORROWERPROJECT_DETAILGOVERNMENT_LOANBORROWER_DETAILCOLLATERALSUBJECT_PROPERTYPROJECTConstructionLoanTypeConstructionToPermanentClosingTypeLandOriginalCostAmountConstructionImprovementCostsAmountProjectLegalStructureTypeProjectDesignTypePROPERTY_VALUATION_DETAILPROPERTY_VALUATIONSPROPERTY_VALUATIONAppraisalIdentifierPROPERTY_DETAILAttachmentTypeCommunityPropertyStateIndicatorPropertyAcquiredDatePUDIndicatorPropertyExistingCleanEnergyLienIndicatorPropertyInProjectIndicatorPropertyStructureBuiltYearDOCUMENT_SPECIFIC_DATA_SETSDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILRefinanceImprovementsTypeRefinanceImprovementCostsAmountLOAN_DETAILREFINANCERefinanceCashOutDeterminationTypeRefinancePrimaryPurposeTypeConversionOfContractForDeedIndicatorRenovationLoanIndicatorEnergyRelatedImprovementsIndicatorCommunityPropertyStateResidentIndicatorEXTENSIONOTHERDU:LOAN_DETAIL_EXTENSIONDU:EnergyImprovementAmountDU:PACELoanPayoffAmountDU:SharedEquityAmount\n"}
diff --git a/chunks/json/b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b.json b/chunks/json/b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b.json
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index 0000000000000000000000000000000000000000..abfcb0720692f952dec05804bd9dee12876de27c
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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_81a623c7cbbd84c5","chunk_index":0,"chunk_sha256":"b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_30d770c5196fda40","text_sha256":"b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Housing_Mission_Report___U_S__FEDERAL_HOUSING_8nez4va.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/mission-report\"\ndate_accessed: \"2026-01-27T17:54:20.712Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc.json b/chunks/json/b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc.json
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+{"chunk":{"char_end":35372,"char_start":33410,"chunk_id":"chk_56f1acfdb348ed71","chunk_index":20,"chunk_sha256":"b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc","token_estimate":491,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 24 of 30\nPage 24 of 30\n\nCost Approach (continued)\n\nAs-Is Value of Site Improvements\n\nDescription\nWell, septic, fence, deck, driveway, and water frontage\nimprovements\n\nAmount\n\n$31,500\n\nTotal\n\n$31,500\n\nSite Value\n\nPrimary Site Valuation Method Sales Comparison\n\nOpinion of Site Value\n\n$250,000\n\nLand Comparables\n\n#\n1\n\n2\n\n3\n\nAddress\n123 Water Front Dr\nSome City,\nVA 20141\n\nLot: 123 Block: 321\nDry Road\nSome City,\nVA 20141\n\n456 Thirsty Ave\nSome City,\nVA 20141\n\nCounty\nAlpine\n\nData Source\nMLS 238183040\n\nAssessor Parcel\nNumber (APN)\n555666999000111\n\nSite Size\n4 Acres\n\nSale Date\n01/01/2018\n\nPrice\n$200,000\n\nAlpine\n\nMLS 138320852\n\n654651354132\n\n3 Acres\n\n01/01/2016\n\n$150,000\n\nAlpine\n\nMLS 183932048\n\n87498461513542100\n\n10 Acres\n\n01/01/2017\n\n$100,000\n\nReconciliation of Site Value Comp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like\nthe subject. Comp #2 is a 3 acre site with water views on same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same\npower line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land\nuseless for construction.\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n\nReplacement\nMarshall & Swift\nGood\n06/01/2019\n\nCost Approach Commentary\n\nCost Method\nDepreciation Method\n\nComparative Unit\nModified Economic Age-Life\n\nDepreciated cost for the barn and the garage are physical in nature. Cost of all structures are based off a lump sum estimate per square foot or\nper cubic foot of all components of the structure including their foundations. The comparative unit method is used to derive a cost estimate in\nterms of dollars per unit of area, or volume, based on known cost of similar structures that are adjusted for time, and physical differences. The\ncost estimate is then applied to the total building area.\n"}
diff --git a/chunks/json/b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a.json b/chunks/json/b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a.json
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+{"chunk":{"char_end":57424374,"char_start":0,"chunk_id":"chk_969eaeeb0a586c5d","chunk_index":0,"chunk_sha256":"b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a","date_utc":"2026-01-27T18:13:00+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_f0d60afa8a5e025c","text_sha256":"b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_nfu/2024_PUDB_MF_NFU/2024_pudb_mf_nfu_fnma.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0\nenterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_un\n"}
diff --git a/chunks/json/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.json b/chunks/json/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.json
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+++ b/chunks/json/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.json
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+{"chunk":{"char_end":422655,"char_start":421055,"chunk_id":"chk_248435a04c7cef68","chunk_index":250,"chunk_sha256":"b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A graph representing the sales trend and quantity of homes as it relates to the year the homes were constructed in the\ndefined market area.\n\nThe appraiser must provide housing trend information for competitive properties within the defined market\narea (e.g., single-family to single-family, condominium to condominium).\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n17.021 Demand/Supply Always required\n\n17.022 Marketing Time Always required\n\nMarket Commentary\n\nMarket: Housing Trends\n\nAllowable\nAnswers / Format\n\nChoose an answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nChoose an answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nThe housing supply for competitive properties in the defined market area.\n•\n•\n•\n\nOversupply\nIn Balance\nShortage\n\nThe range of time needed to sell competitive properties in the defined market\narea.\n•\n•\n•\n\nUnder 3 months\n3 to 6 months\nOver 6 months\n\nMarket Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n17.023 Market\n\nIf applicable\n\nFree-form\n\nCommentary\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Market section that is\nnot captured in the discrete data, or additional details to support the discrete\ndata that is provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 180 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nMarket Exhibits\n\n17 Market\n\nAll photos or images related to the Market section are displayed in the Market Exhibits subsection. If there are\nno photos or images, this subsection does not display.\n\nReport Label\n"}
diff --git a/chunks/json/b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f.json b/chunks/json/b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f.json
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+{"chunk":{"char_end":10880,"char_start":9030,"chunk_id":"chk_abcc7803ee83690e","chunk_index":5,"chunk_sha256":"b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6cc087c08f0855a5","text_sha256":"b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f","token_estimate":462,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_60i2ek.md"]},"text":"Given the unique challenges presented by these markets—high vacancy rates, weak for-sale markets, steep home-price declines—Fannie Mae and Freddie Mac selected the [National Community Stabilization Trust](http://www.stabilizationtrust.org/) (NCST), a national non-profit organization experienced in stabilization efforts for distressed communities to implement the NSI. Working together, they leverage their ties to \"boots on the ground\" community organizations and local non-profits, and work closely with local governments to make timely and informed decisions about the best treatment of individual properties.\n\nNSI was initiated as a pilot in the city of Detroit, Michigan in May 2014, and was then expanded to Cook County, Illinois in April 2015. Building on the lessons learned from the pilot, NSI was developed into a program and was expanded in December 2015 to 18 different metropolitan statistical areas with high volumes of low-value REO inventory. In December 2017, 10 additional markets were designated for further expansion. Currently, Fannie Mae operates their neighborhood stabilization efforts through their Community First Platform and has expanded the program to new markets across the country. Freddie Mac continues to administer their neighborhood stabilization efforts through NCST.\n\n​​​​\n\nImage\n\n![MSA-Map](/sites/default/files/styles/large/public/2023-05/MSA-Map.png?itok=r946MRak)\n\n- [NSI Expansion Interactive Map - updated monthly](/node/13636) - *(currently as of 12/31/2019)*\n - [NSI Fact Sheet (12/12/2017)](/neighborhood-stabilization-initiative-program-fact-sheet)\n\n- Akron, OH\n - Baltimore-Columbia-Towson, MD\n - Cincinnati, OH-KY-IN\n - Cook County, IL\n - Detroit-Warren-Dearborn, MI\n - Jacksonville, FL\n - Miami-Fort Lauderdale-West Palm Beach, FL\n - Orlando-Kissimmee-Sanford, FL\n - Pittsburgh, PA\n - Toledo, OH\n"}
diff --git a/chunks/json/b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b.json b/chunks/json/b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b.json
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+{"chunk":{"char_end":1879,"char_start":0,"chunk_id":"chk_9d79ca0bb151f385","chunk_index":0,"chunk_sha256":"b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b","date_utc":"2026-01-27T18:10:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6285a13a61bf13fa","text_sha256":"b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b","token_estimate":470,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123113.pdf"]},"text":"AMA_PUDB_Definitions_123113.xlsx\n\nData Definitions\nFederal Housing Finance Agency\nFederal Home Loan Bank Purchased Mortgage Files\nAs of December 31, 2012\n\nColumn\n\n1 Year\n2 Loan Number\n3 FHFBankID\n4 Program\n\n5 FIPSStateCode\n6 FIPSCountyCode\n7 MSA\n\n8 FeatureID\n9 Tract\n10 MinPer\n11 TraMedY\n12 LocMedY\n13 Tractrat\n14 Income\n15 CurAreY\n16 IncRat\n17 UPB\n18 LTV\n19 MortDate\n20 AcquDate\n21 Purpose\n\n22 Coop\n\n23 Product\n\n24 FedGuar\n\n25 Term\n26 AmorTerm\n27 FHFBID\n28 Seller\n29 SellCity\n30 SellSt\n\nDefinition\nYear Loan was reported\nUnique Loan Number (Not actual loan number)\nName of Federal Home Loan Bank District\nAMA Program\n01=Original MPF;\n02=MPF100;\n03=MPF125;\n04=MPF 125 Plus;\n05=MPF for FHA/VA;\n06=MPP;\n07=MPP/FHA;\n09=Shared Funding Loans\nFIPS State Code\nFIPS County Code\nCore Based Statistical Area\n99999=State/County/Tract combination is not located in a CBSA\nGeographic Names Information System (GNIS) Feature ID\nCensus Tract\nCensus Tract Minority Percentage\nCensus Tract Median Family Income in Whole Dollars\nLocal Area Median Income in Whole Dollars\nTract Income Ratio\nTotal Borrower(s) Annual Income in Whole Dollars\nArea Median Family Income in Whole Dollars\nBorrower Income Ratio\nAcquisition Unpaid Principal Balance in Whole Dollars\nLoan to Value Ratio at Origination\nYear of Mortgage Note\nYear of Acquisition Note\nLoan Purpose\n1=purchase;\n2=refinancing;\n3=second mortgage;\n4=new construction;\n5=rehabilitation\nCooperative Unit Mortgage\n1=yes;\n2=no\nProduct Type\n01=Fixed Rate;\n02=ARM;\n03=Balloon;\n04=GPM/GEM;\n05=Reverse Annuity Mortgage;\n06=other\nFederal Guarantee\n0=no federal guarantee;\n1=FHA;\n2=VA;\n3=FMHA-Guaranteed Rural Housing Loan;\n4=HECMs;\n5=Title1-FHA\nTerm of Mortgage at Origination in months\nAmortization Term in months\nAcquiring Lender Institution Federal Housing Finance Agency Membership ID\nAcquiring Lender Name\nAcquiring Lender City\nAcquiring Lender State\n"}
diff --git a/chunks/json/b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf.json b/chunks/json/b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf.json
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index 0000000000000000000000000000000000000000..61a760ee3ef85988f27e768b4f90ad23c0edf21d
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+{"chunk":{"char_end":6562,"char_start":4892,"chunk_id":"chk_fed1324439332714","chunk_index":3,"chunk_sha256":"b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e9417770194f6560","text_sha256":"b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf","token_estimate":418,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.pdf/AU1_AppraisalUpdate_v1.2.pdf"]},"text":"The Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n\n6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this\nappraisal update report and concur with the analysis and conclusions in the original appraisal.\n"}
diff --git a/chunks/json/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.json b/chunks/json/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.json
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index 0000000000000000000000000000000000000000..101fe707b949be384da72aa78b35a340cde02419
--- /dev/null
+++ b/chunks/json/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16439,"char_start":14836,"chunk_id":"chk_a9d0ac65a845fa48","chunk_index":9,"chunk_sha256":"b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"This is where the Media Room photo would display.\n\nLevel B1 - Recreation Room\n\nLevel B1 - Wet Bar\n\nThis is where the Recreation Room photo would display.\n\nThis is where the Wet Bar photo would display.\n\nLevel 1 - Bath - Full - Bath 3\n\nLevel 1 - Family Room\n\nThis is where the Full Bath photo would display.\n\nThis is where the Family Room photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 21\nPage 9 of 21\n\nUnit Interior (continued)\n\nLevel 1 - Kitchen\n\nLevel 2 - Bath - Full - Bath 1\n\nThis is where the Kitchen photo would display.\n\nThis is where the Full Bath photo would display.\n\nLevel 2 - Bath - Full - Bath 2\n\nApparent Defects, Damages, Deficiencies -\nFlooring - Damaged Flooring\n\nThis is where the Full Bath photo would display.\n\nThis is where the Damaged Flooring photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n2\n\nDetail\nAsphalt\n\nBuilt-in\n460 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nDriveway - Garage\n\nThis is where the Driveway - Garage photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 10 of 21\nPage 10 of 21\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Accessories\n\nOutdoor Living\n\nWhole Home\n\nMiscellaneous\n"}
diff --git a/chunks/json/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.json b/chunks/json/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.json
new file mode 100644
index 0000000000000000000000000000000000000000..e024abed83df006f1bdadd5aebcdd223a08a3c2e
--- /dev/null
+++ b/chunks/json/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33213,"char_start":31433,"chunk_id":"chk_526a6b01e6718c94","chunk_index":19,"chunk_sha256":"b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1","token_estimate":445,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"Reconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nExterior Walls and Trim\n\nLocation\n\nDescription\n\nLower right corner of\nrear wall\n\nPossible termite infestation\n\nMechanical System\n\nBelow grade area\n\nThe hot water heater is not operational. No\nhot water.\n\nAs Is Overall Condition Rating\n\nC4\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nNo\n\nNo\n\nInspection\n\nRepair\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"}
diff --git a/chunks/json/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.json b/chunks/json/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..20579a7b724b4507bf9def6cfd56dd6c5bbed052
--- /dev/null
+++ b/chunks/json/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":990499,"char_start":988817,"chunk_id":"chk_55a3d02a23ef0d6f","chunk_index":590,"chunk_sha256":"b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"APPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nCompany Name\n\nLender Unparsed\nName\n\nThe name of the party or entity designated\nas the lender for the loan.\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nCompany Address\n\nAPPRAISER\nCERTIFICATION\n\nLENDER/CLIENT\nEmail Address\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nName\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Name\n\nAppraisal Forms\nLender Unparsed\nAddress\n\nContact Point Value\n\nSupervisor Name\n\nSupervisor\nCompany Name\n\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\nName of the person who is responsible for\nreviewing or supervising the work or\nproject.\nName of the company with which the\nsupervisor is associated.\n\n/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd\ndress\n\n/VALUATION_RESPONSE/PARTIES/LENDER/CONTACT_DETAIL/CONTA\nCT_POINT[@_Type='Email']/@_Value\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_Name\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_CompanyName\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Address\n\nSupervisor Street\nAddress\n\nThe street address of the supervisor.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_StreetAddress\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISER\nCERTIFICATION\n\nAPPRAISER\nCERTIFICATION\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nCompany Address\n(2nd line)\nSupervisory Appraiser\nCompany Address\n(2nd line)\nSupervisory Appraiser\nCompany Address\n(2nd line)\nSupervisory Appraiser\nTelephone Number\nSupervisory Appraiser\nEmail Address\n"}
diff --git a/chunks/json/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.json b/chunks/json/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.json
new file mode 100644
index 0000000000000000000000000000000000000000..6b0195c29daa1e04a7739fb251c81334caf3e20b
--- /dev/null
+++ b/chunks/json/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11209,"char_start":9683,"chunk_id":"chk_6e5434751963b6a2","chunk_index":5,"chunk_sha256":"b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"FHFA Statement: ​[Statement of FHFA Deputy Director Robert Fishman on the Launch of the New Uniform Mortgage-Backed Security (UMBS)](/news/statement/statement-of-fhfa-deputy-director-robert-fishman-on-the-launch-of-the-new-uniform-mortgage-backed)​​ (06/03/2019)\n\n[*Prepayment Monitoring Report - 2Q2019*](/document/prepayment-monitoring-report-2q2019) (08/20/2019)\n\n[Link to all Prepayment Monitoring Reports](/reports/prepayment-monitoring-report)\n\nFHFA News Release: [FHFA Issues Final Rule on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-final-rule-on-uniform-mortgage-backed-security) (02/28/2019)\n\n[Uniform Mortgage-Backed Security Final Rule​](/regulation/federal-register/final-rule/uniform-mortgage-backed-security-final-rule) (02/28/2019)\n\nFHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (11/13/2018)\n\n[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-security-platform-november-2018) (11/13/2018)\n\nFHFA News Release: [FHFA Issues Notice of Proposed Rulemaking on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-notice-of-proposed-rulemaking-on-uniform-mortgage-backed-security) (09/12/2018)\n\n[Uniform Mortgage-Backed Security Proposed Rule](/regulation/federal-register/rin-2590-aa94) (09/12/2018)\n"}
diff --git a/chunks/json/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.json b/chunks/json/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.json
new file mode 100644
index 0000000000000000000000000000000000000000..03baa9ca2e6fc4558a034448b975575497ca63a4
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+++ b/chunks/json/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58698,"char_start":58231,"chunk_id":"chk_0d521394048cc5c9","chunk_index":92,"chunk_sha256":"b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e","token_estimate":411,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Adjustments ............................................................................................................................................................................................................................. 279\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 280\n"}
diff --git a/chunks/json/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.json b/chunks/json/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.json
new file mode 100644
index 0000000000000000000000000000000000000000..6682c879de8988808bc2cd4fd3d0a776ed8d1e26
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+++ b/chunks/json/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8038,"char_start":6429,"chunk_id":"chk_8b077d44204a3df6","chunk_index":4,"chunk_sha256":"b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"WES1932\n\nFence\n\nIrrigationSystem\n\nOutdoorAccessories\n\n80\n\nWood\n\nBalcony\n\n80\n\nWood\n\nBalcony\n\n80\n\nConcrete\n\nPatio\n\n80\n\nConcrete\n\nPatio\n\nOutdoorLiving\n\nMultipleZoneHeatingVentilationAndAirConditioning\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n4\n\nfalse\n\nfalse\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\n5282\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\nNone\n\n0\n\n0\n\n0\n\n10150\n\n10150\n\n0\n\n10400\n\n10400\n\ntrue\n\nfalse\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nNone\n\nProperties such as this in this market area are typically located on busy roadways.\n\nBordering\n\nBusyRoadway\n\nAdverse\n\nBordering\n\nResidential\n\nNeutral\n\n21000\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\nResidential - Multi Family district\n\nMF-3\n\nLegal\n\n181 Cattledrive St\n\nAnyplace\n\n01234\n\nTX\n\nDetached\n\nCarport\n\n4\n\nDriveway\n\nConcrete\n\n4\n\nfalse\n\n0\n\nSalesConcessions\n\n10000\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n-25000\n\nSiteInfluence\n\n0\n\nYearBuilt\n\n0\n\nGrossBuildingFinishedArea\n\n-9900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit A\n\n-9900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit B\n\n-9900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit C\n\n-9900\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit D\n\n795400\n\n99425\n\n198850\n\nNorth\n\nLess\n\nfalse\n\n155\n\n1\n\n3\n\n-54600\n\nDwelling\n\n2015\n\nfalse\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1300\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit A\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1300\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit B\n\nWell maintained with minimal depreciation\n"}
diff --git a/chunks/json/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.json b/chunks/json/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.json
new file mode 100644
index 0000000000000000000000000000000000000000..539911eb1c0a69d499676bd8e6aad04edcb37f51
--- /dev/null
+++ b/chunks/json/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1753,"char_start":0,"chunk_id":"chk_20a7a241b5cad692","chunk_index":0,"chunk_sha256":"b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7a108e80f1967023","text_sha256":"b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Alloca_mnkikn.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/enterprise-affordable-housing-allocations\"\ndate_accessed: \"2026-01-27T17:54:20.427Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.json b/chunks/json/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.json
new file mode 100644
index 0000000000000000000000000000000000000000..393653763c39738c5e48c33008416ee4925a1227
--- /dev/null
+++ b/chunks/json/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34176,"char_start":32368,"chunk_id":"chk_c0bd7f1026f067b4","chunk_index":16,"chunk_sha256":"b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f","token_estimate":452,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"IV. Technical Revisions to Data Fields\nin the PUDB Matrices\n\nA. Revisions To Conform to Existing\nPUDB Reporting Practices\n\nFHFA has made technical revisions to\ncertain data fields in the PUDB matrices\n\nto conform the data fields to existing\nPUDB data reporting practices, as\nfurther discussed below.\n\n1. Single-Family Data Field 23:\nCooperative Unit Mortgage\n\nThis data field identifies single-family\n\nhousing units that are part of a\ncooperative building secured by a\nmortgage or ‘‘blanket loan.’’ FHFA no\nlonger requires the Enterprises to report\nthis data for housing goals purposes.\nAccordingly, footnote (7) to this data\nfield in the single-family matrix\nindicates that this data field is not\napplicable for 2010 and beyond.\n\n2. Single-Family Data Field 28: RTC/\nFDIC\n\nThis data field identifies loans\n\npurchased by the Enterprises that were\nmade by the Resolution Trust\nCorporation (RTC) or the Federal\nDeposit Insurance Corporation (FDIC)\nand met certain other statutory criteria.\nFHFA no longer requires the Enterprises\nto report this data for housing goals\npurposes. Accordingly, footnote (7) to\nthis data field in the single-family\nmatrix indicates that the data field is not\napplicable for 2010 and beyond.\n\n3. Single-Family and Multifamily Data\nFields 31 and 30: Lender Institution\nName; Single-Family and Multifamily\nData Fields 32 and 31: Lender City;\nSingle-Family and Multifamily Data\nFields 33 and 32: Lender State\n\nThese data fields identify the name,\ncity and state of the lender that sold the\nloan to the Enterprise. FHFA no longer\nrequires the Enterprises to report this\ndata for housing goals purposes.\nAccordingly, footnotes (7) and (5) to this\ndata field in the single-family and\nmultifamily matrices, respectively,\nindicate that this data field is not\napplicable for 2010 and beyond.\n"}
diff --git a/chunks/json/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.json b/chunks/json/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.json
new file mode 100644
index 0000000000000000000000000000000000000000..5b496c9dee9ce04cf8e8ddd0c7b87ac02316e71e
--- /dev/null
+++ b/chunks/json/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1088800,"char_start":1087194,"chunk_id":"chk_c4a2296e4dec5dd9","chunk_index":647,"chunk_sha256":"b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Heating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty\npe='ForcedWarmAir']\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n\nHeating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty\npe='HotWaterBaseboard']\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n\nHeating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty\npe='Radiant']\n\n17\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating data point should be provided for each box that is checked.\n\nThis box should not be populated if 1-152 is\nnot populated. No more than one of 1-151 and\n153 should be populated.\n\nThis box should not be populated if 1-152 is\nnot populated. No more than one of 1-151 and\n153 should be populated.\n\nAt least one of fields 1-158, 1-159, 1-160, 1-\n161 (values of Heating Type) should be\nindicated. If field 1-162 indicates 'None' then\nfields 1-158, 1-159, 1-160 should not be\nindicated\nAt least one of fields 1-158, 1-159, 1-160, 1-\n161 (values of Heating Type) should be\nindicated. If field 1-162 indicates 'None' then\nfields 1-158, 1-159, 1-160 should not be\nindicated\nAt least one of fields 1-158, 1-159, 1-160, 1-\n161 (values of Heating Type) should be\nindicated. If field 1-162 indicates 'None' then\nfields 1-158, 1-159, 1-160 should not be\nindicated\n"}
diff --git a/chunks/json/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.json b/chunks/json/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.json
new file mode 100644
index 0000000000000000000000000000000000000000..2f8190c460b3b69e916be45079dff3f2910018ee
--- /dev/null
+++ b/chunks/json/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":46426,"char_start":44814,"chunk_id":"chk_3eb7a6abce6970f6","chunk_index":23,"chunk_sha256":"b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Enumeration URN Suffixes:\n\n urn:org:MISMO:residential:2009:LDD:AttachmentType:Attached\n urn:org:MISMO:residential:2009:LDD:AttachmentType:Detached\n\n urn:org:MISMO:residential:2009:LDD:AttachmentType:SemiDetached\n\nType: AttachmentTypeEnumerated\n\nNotes: The MISMO Data Type and Class Word are not necessarily the same\n\nterm, but they must be consistent. For example, the Class Word for data\npoints with enumerations is “Type.”\n\nIN DEPTH\n\na. Linkages among Certain Data Point Types\n\nCertain data point types need to be used together to properly convey intended\nmeaning. Sometimes, the need to use one or more data points together is indicated\nin their definitions, but this is not always the case.\n\ni. PeriodCount / PeriodType: One important relationship that must be preserved\nwhen using MISMO data is between data points ending in “PeriodCount” and\n“PeriodType.” If only one of either of these data points is sent, it will be\nimpossible to determine the time period correctly. The data point ending in\n“PeriodCount” communicates the number of periods specified by the data point\nending in “PeriodType.”\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 15 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nExample III-8. Using PeriodCount and PeriodType for Loan Delivery.\n\nLoanAmortizationPeriodCount: The number of periods (as defined by the\n\nLoan Amortization Period Type) over which the scheduled loan payments\nof principal and/or interest are calculated to retire the obligation.\n"}
diff --git a/chunks/json/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.json b/chunks/json/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.json
new file mode 100644
index 0000000000000000000000000000000000000000..97837b48009d2358384ea2d4573bcc2d4aacf66e
--- /dev/null
+++ b/chunks/json/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27613,"char_start":26010,"chunk_id":"chk_b2451c63369ce1ba","chunk_index":16,"chunk_sha256":"b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"If the subject property was offered For Sale by\nOwner (FSBO) or otherwise marketed for sale\noutside of MLS, the appraiser must report the\noriginal offering price, history of price\nchanges, if any, and the date(s) the property\nwas offered for sale, etc., to the extent that\n\nPage 13 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nthis information is known or available to the\nappraiser in the normal course of business.\nThe appraiser may report any other relevant\ninformation regarding the length of time that\nthe subject property was offered for sale,\nincluding cumulative days on market, in this\nfield or elsewhere in the appraisal report.\n\nReporting Format:\nDOM – Numeric to 4 digits, whole numbers\nonly or ‘Unk’ Text – Include the following three\nitems:\nOffering Price(s) – Currency, whole dollars\nonly Offering Date(s) – mm/dd/yyyy\nData Source(s) Used – Abbreviated\nMLS#Listing Identifier or Text\nThe PDF creator (the software that creates\nthe PDF) will automatically insert a semicolon\nto separate DOM from other data values. The\nPDF creator will also insert “DOM”.\n\nExamples (if Yes):\nDOM 150;Subject property was offered for\nsale on 03/01/2010 for $200,000. The data\nsource is MRIS#12345AB.\n\nDOMUnk;Subject property was listed for sale\nby owner for $200,000. The data source is a\npublic source.\n\nExample (if No):\nMRIS MLS\n"}
diff --git a/chunks/json/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.json b/chunks/json/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..9f47fa1f3c04782ff93bc477e0a97e0509e39804
--- /dev/null
+++ b/chunks/json/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":213228,"char_start":211614,"chunk_id":"chk_67e65c3f020c1a69","chunk_index":124,"chunk_sha256":"b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Refer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\n12\n\nEnumerated\n\nAllowable Values PDF Display:\nWalkOut wo\nWalkUp wu\nInteriorOnly in\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished recreation 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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished bedrooms 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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the number of finished bathrooms in the basement.\n\n3\n\nNumeric\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nn.n\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-18\n(GSE Below Grade Total Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of field e-18\n(GSE Below Grade Total Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n"}
diff --git a/chunks/json/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.json b/chunks/json/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef6d692e0c095844fe12433e4558a09785780620
--- /dev/null
+++ b/chunks/json/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":439113,"char_start":437421,"chunk_id":"chk_00c2406342df661e","chunk_index":257,"chunk_sha256":"b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION/@GSENFIPFloodZoneIdentifier\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE\n_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE\n_INFORMATION/@GSEFEMAFloodMapIdentifier\n\n124\n\nPROJECT SITE FEMA Map Date\n\nNFIP Map Panel\nDate\n\nThe map effective date or the map revised\ndate shown on the NFIP map.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/@NFIPMapPan\nelDate\n\n125\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the\nmarket area? Yes\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='Y']\n\n126\n\nPROJECT SITE\n\nAre the utilities and off-site\nimprovements typical for the\nmarket area? No\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='\nUtilitiesAndOffSiteImprovementsConformToNeighborhood' and\n@_ExistsIndicator='N']\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n\nUAD Instruction - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the\nbox has not been checked.\n"}
diff --git a/chunks/json/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.json b/chunks/json/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.json
new file mode 100644
index 0000000000000000000000000000000000000000..831773949a4f631cfa99a6b02a2da4a4d93f3aa8
--- /dev/null
+++ b/chunks/json/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32373,"char_start":30050,"chunk_id":"chk_348275d692279392","chunk_index":10,"chunk_sha256":"b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f","token_estimate":640,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6\n\n[Learn more **](/media/43946/display)\n\n**\n\n**\n\n/* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation**\n"}
diff --git a/chunks/json/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.json b/chunks/json/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.json
new file mode 100644
index 0000000000000000000000000000000000000000..a560906d6318252dc44cf518693f24e7828a0c21
--- /dev/null
+++ b/chunks/json/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12154,"char_start":10405,"chunk_id":"chk_feccc8088f664d52","chunk_index":6,"chunk_sha256":"b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"o Updates to some existing edits around Appraisal\n\n•\n\nFile Validation Rule updates\n\no New file validation rule WN3760 fires when new ULDD phase 5 datapoints are submitted prior to implementation\n\ndate. See the ULDD Phase 5 Specification Release Notes for details on implementation timelines.\n\no New file validation rule, WN3765, to ensure data integrity around Buydown amounts\no Update existing file validation rules WN3380, WN3390, WN3270, and WN3280 to ensure data integrity around\n\nServicing transfer date, Appraisal, and Buydown\n\nSee the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub-category (Column J) and search ULDD\nPh. 5, the edits listing will be updated March 4, 2024.\n\nThese edits will be available in the Loan Delivery Test Environment to accommodate lender testing.\n\nFor more information, see the ULDD webpage.\n\nMar 25, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\nEdit updates to support ULDD Phase 5, see above for details\n\n•\n• New warning edits for down payment type and amount\n\nApr 22, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• Modify 2 Credit Score edits\n•\n\n1 new warning edit to validate CPM ID\n\n© 2023 Fannie Mae Page 5 of 10\n\nMay 1, 2024\n\nForm 482 process\nupdates\n\nEffective May 1, 2024, to mitigate fraud risk, Fannie Mae will be calling the authorized representative who signed the Seller’s\nDesignation of Wire Transfer Instructions (Form 482) request to confirm validity prior to processing. Form 482 and the\nSelling Guide will be updated to reflect this requirement.\n"}
diff --git a/chunks/json/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.json b/chunks/json/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.json
new file mode 100644
index 0000000000000000000000000000000000000000..445c90a4ab25ade4267b49a860f5e8a69d9b49f5
--- /dev/null
+++ b/chunks/json/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":40710,"char_start":40227,"chunk_id":"chk_a18a2c8957f14d2a","chunk_index":61,"chunk_sha256":"b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 200\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 200\n"}
diff --git a/chunks/json/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.json b/chunks/json/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.json
new file mode 100644
index 0000000000000000000000000000000000000000..98ae232f5b6440a6fcb46f542228356848c7e451
--- /dev/null
+++ b/chunks/json/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19230,"char_start":17508,"chunk_id":"chk_e9dfd2f9b36964f4","chunk_index":10,"chunk_sha256":"b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e","token_estimate":430,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Home Equity Conversion Mortgage (HECM)/Reverse Mortgage Fraud** – Fraudsters taking advantage of HECM reverse mortgages contact seniors through local churches; investment seminars; television, radio, billboard, and mailer advertisements; and by other means. Fraudsters obtain a HECM in the name of an older homeowner to convert existing home equity into cash. The fraudster will pay a small fee to the homeowner or simply keep the resulting cash outright.\n\n**Loan Modification Fraud** – Fraudsters purport to assist homeowners who are delinquent in their mortgage payments and at risk of losing their home. The fraudster often offers to renegotiate loan terms with the lender. The scammers demand large fees up front and often negotiate unfavorable terms for the clients, if they negotiate at all. Homeowners often lose their homes.\n\n**Sovereign Citizen Fraud** – Sovereign citizens schemes often promote the elimination of mortgage debt based on conspiracy theories about the validity of mortgages and disbelief in the U.S. financial system. Sovereign citizen fraud also appears in instances of quitclaim deed and foreclosure assistance fraud to unlawfully acquire or maintain ownership of homes.\n\n#### Investor Mortgage Fraud (fraud committed by individuals purporting to secure mortgages on investment properties)\n\n**Straw Buyer** – Straw buyers are used to conceal fraudulent activities. A straw buyer falsely appears as the mortgage applicant and purchaser although they are acting on behalf of another person. A straw buyer with good credit may be used to obtain a loan for someone whose credit may be disqualifying or may be a participant in collusive mortgage fraud (e.g., flipping or other profit schemes).\n"}
diff --git a/chunks/json/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.json b/chunks/json/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.json
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index 0000000000000000000000000000000000000000..d4adbed726ca525df3b680c2b0c15777b9127651
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+++ b/chunks/json/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":143098,"char_start":141398,"chunk_id":"chk_7b27592c694c4ca3","chunk_index":80,"chunk_sha256":"b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 60 of 166\n\nUAD 3.6 Policy\n\nSB4-1.2-03, Hybrid Appraisals (12/10/2025)\n\nIntroduction\n\nThis topic contains information on hybrid appraisals, including:\n\n• Overview\n• Completing the Hybrid Appraisal\n•\nEligible Transactions\n•\nIneligible Transactions\n•\nExercising Hybrid Appraisals\n• Representations and Warranties\n\nOverview\n\nFor certain loan casefiles, DU offers hybrid appraisals. A hybrid appraisal reported on the Uniform Residential Appraisal Report is\npermitted for certain transactions. As with all other appraisals, it must conform to SB4-1.1-04, Unacceptable Appraisal Practices.\nThe minimum scope of work for a hybrid appraisal includes using a recent interior and exterior property data collection in lieu of\nthe appraiser performing an on-site inspection. The appraiser relies on the data collected (and other sources if needed) to identify\nproperty characteristics, including condition. The property data collection must comply with the Uniform Property Dataset and\nbe delivered to the Fannie Mae Property Data API. See SB4-1.4-11, Value Acceptance + Property Data, for property data collection\nand property data collector requirements.\n\nCompleting the Hybrid Appraisal\n\nProperty data collection and the appraisal report are separate assignments and may be performed by different people. If the\nappraiser does not perform the data collection, the lender must share the property data collection with the appraiser at the time\nof engagement. The appraiser will use the data along with other third-party sources to develop the appraisal. The effective date of\nthe hybrid appraisal is the date the appraiser arrives at their opinion of value.\n"}
diff --git a/chunks/json/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.json b/chunks/json/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.json
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index 0000000000000000000000000000000000000000..1a395b4dac4ea8c1ef360a38426801805830b8fd
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+++ b/chunks/json/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.json
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+{"chunk":{"char_end":567646,"char_start":565966,"chunk_id":"chk_4d37c36fbfe3b5ef","chunk_index":337,"chunk_sha256":"b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"22.07.10\n22.07.34\n\nUnfinished\nArea Above\nGrade\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\nUnit Interior\n•\n\nAbove Grade\nUnfinished Area\n10.005\n\nYes\n22.07.35\n\nNotes:\n•\n•\n\nCan be 0.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n\nAppendix F-1: URAR Reference Guide\n\nPage 248 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Unit(s)\n\n22.07.11\n22.07.36\n\nFinished Area\nBelow Grade\n\nAlways\n\nAlways required\n\nNumber of square\nfeet\n\n22.07.12\n22.07.38\n\nFinished Area\nBelow Grade\n(Nonstandard)\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\n22.07.13\n22.07.40\n\nUnfinished\nArea Below\nGrade\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nNumber of square\nfeet\n\nUnit Interior\n•\n\nBelow Grade\nFinished Area\n10.006\n\nUnit Interior\n•\n\nBelow Grade\nFinished Area\n(Nonstandard)\n10.007\n\nUnit Interior\n•\n\nBelow Grade\nUnfinished Area\n10.008\n\nYes\n22.07.37\n\nYes\n22.07.39\n\nYes\n22.07.41\n\nNotes:\n•\n•\n\nCan be 0.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n\nNotes:\n•\n•\n\nCan be 0.\nIf the exact area is not known for the comparable, indicate that it is\nestimated in Reconciliation of Sales Comparison Approach\n(22.16.01).\n"}
diff --git a/chunks/json/b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124.json b/chunks/json/b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124.json
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+{"chunk":{"char_end":485977,"char_start":484347,"chunk_id":"chk_c8067cb117a59ad1","chunk_index":280,"chunk_sha256":"b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Whole House Water Treatment\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years.\n\nUnit Interior - Primary Dwelling\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,304 Sq. Ft.\n0 Sq. Ft.\n1,344 Sq. Ft.\n616 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nADU\n\nLevel and Room Detail\n\nLevel in Unit\nLevel B1\n\nGrade Level Detail\nBelow Grade\nInterior and Exterior Access\nWalk Out\n\nLevel 1\n\nAbove Grade\n\nYes No\n \n\nFinish\nFinished\n\nUnfinished\n\nFinished\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\nVacant\nNo\n5\n3\n1\n\nArea\n1,344 Sq. Ft.\n\n616 Sq. Ft.\n\n1,960 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Den\n1 - Family Room\n\n1 - Bath - Half\n1 - Bedroom\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n4 - Bedroom\n\nLevel 2\n\nAbove Grade\n\nFinished\n\n1,344 Sq. Ft.\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 8 of 23\n\nUnit Interior - Primary Dwelling (continued)\n"}
diff --git a/chunks/json/b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1.json b/chunks/json/b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1.json
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+{"chunk":{"char_end":12570,"char_start":10638,"chunk_id":"chk_6ac57eb799df52c1","chunk_index":6,"chunk_sha256":"b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1","token_estimate":537,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md"]},"text":"- [Open for Comment](/quicktabs/nojs/discussion_topics/0)\n- [All Topics](/quicktabs/nojs/discussion_topics/1)\nCategory - Any - Duty to Serve General\n\nItems per page 5 10 25 50\n\nThere are no topics available for comments at this time\n\nCategory - Any - Duty to Serve General\n\nItems per page 5 10 25 50\n\n[DateSort ascending](?items_per_page=10&order=field_dt_date&sort=asc) [Topics](?items_per_page=10&order=title&sort=desc) [Number of Comments](?items_per_page=10&order=comment_count&sort=desc) Comment Status Comments 10/15/2025 [FHFA's Strategic Plan: Fiscal Years 2026-2030](/public-input/fhfa-strategic-plan-fiscal-years-2026-2030) 0 Closed 06/20/2024 [FHLBank Affordable Housing Program Competitive Application Process](/public-input/fhlbank-affordable-housing-program-competitive-application-process) 94 Closed [Read Comments](/node/33986) 06/11/2024 [RFI on Proposed 2025-2027 DTS Plans](/public-input/rfi-on-proposed-2025-2027-dts-plans) 43 Closed [Read Comments](/node/33951) 05/16/2024 [FHLBank Mission](/public-input/fhlbank-mission) 234 Closed [Read Comments](/node/33846) 11/06/2023 [2023 DTS Proposed Modifications RFI](/public-input/2023-dts-proposed-modifications-rfi) 15 Closed [Read Comments](/node/33756) 07/16/2023 [2023 Duty to Serve Listening Sessions](/public-input/2023-duty-to-serve-listening-sessions) 40 Closed [Read Comments](/node/16766) 07/06/2023 [Duty to Serve Modification Request - Fannie Mae Spring 2023](/public-input/duty-to-serve-modification-request-fannie-mae-spring-2023) 25 Closed [Read Comments](/node/16761) 05/30/2023 [Tenant Protections](/public-input/tenant-protections) 3,533 Closed [Read Comments](/node/16801) 05/15/2023 [Enterprises’ Single-Family Mortgage Pricing Framework](/public-input/enterprises-single-family-mortgage-pricing-framework) 172 Closed [Read Comments](/node/16751) 03/02/2023 [Social Bonds](/public-input/social-bonds) 126 Closed [Read Comments](/node/16746)\n"}
diff --git a/chunks/json/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.json b/chunks/json/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.json
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+++ b/chunks/json/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.json
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+{"chunk":{"char_end":8440,"char_start":6705,"chunk_id":"chk_cb5b496c1b632449","chunk_index":4,"chunk_sha256":"b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Loan Metadata\nThe Loan Metadata section captures the overall loan-level documentation and provides a consolidated view of all\nappraisal report file submission results under a single Document File ID.\n\nLoan Metadata\n\nDocument File ID\n\nAppraisal [1,2,3] – Appraisal Report (URAR)\n\nUpdate or Completion Report\n\nUpdate or Completion Report\n\nDocument File Status\n\nThe Loan Metadata section highlights the Document File Status, the overall status of each submission under the Document\nFile ID. The status is determined by the results of all document validations; if no fatal severity findings are fired, status is\n\"Successful\"; if fatal severity findings are fired, status is \"Not Successful.\"\n\nTo achieve a “Successful” SSR for loan delivery, all fatal findings must be resolved. Resolving a fatal finding may require\nupdating the underlying data and resubmitting a corrected appraisal report file.\n\nLoan Metadata\n\nFannie Mae\n\nFreddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nThe Loan Metadata fields, listed below, include two Freddie Mac-specific data elements that appear in a third row only in\nthe Freddie Mac version of the UAD 3.6 SSR:\n\nData Fields Specific to the Loan Metadata\n\nField Name\n\nDefinition / Description\n\nDocument File Status\n\nStatus of all active appraisal report submissions associated with a\nproperty. The status is determined by the results of all document\nvalidations; if no fatal severity findings are fired, status is \"Successful\"; if\nfatal severity findings are fired, status is \"Not Successful.\"\n"}
diff --git a/chunks/json/b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f.json b/chunks/json/b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f.json
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+{"chunk":{"char_end":11554,"char_start":9933,"chunk_id":"chk_ff4e07a36200d0c6","chunk_index":6,"chunk_sha256":"b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"I\nN\nC\nO\nM\nE\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nTotal Bdrms. Baths Total Bdrms. Baths\n\nTotal Bdrms. Baths\n\nTotal Bdrms. Baths\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\nsq. ft.\n\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nSummary of Sales Comparison Approach\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\n-\n\n+\nNet Adj. %\nGross Adj. %\n\n$\n\n$\n\nIndicated Value by Sales Comparison Approach $\n\nEstimated Monthly Market Rent $\nSummary of Income Approach (including support for market rent and GRM)\n\nX Gross Rent Multiplier = $\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nIndicated Value by: Sales Comparison Approach $\n\nIncome Approach (if developed) $\n\nAppraisal Assignment type: l Subject Property Data Collection Date:\nSubject Property Data Collection Method: I Subject Property Data Collection Workforce:\nThis appraisal is made\ncompleted,\nthe following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:\n\nsubject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or\n\nsubject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\n\n“as is”,\n\nsubject to\n\nBased on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as\ndefined, of the real property that is the subject of this report is\n$\n\n, the effective date of this appraisal.\n"}
diff --git a/chunks/json/b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6.json b/chunks/json/b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6.json
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+{"chunk":{"char_end":437233,"char_start":435573,"chunk_id":"chk_205923f98c0783ed","chunk_index":247,"chunk_sha256":"b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"If scheduled variations in regular periodic payment amounts that are not caused by changes to the interest rate\nwill occur during the loan term, the loan has Step Payments (aka a Graduated Payment Mortgage or GPM). For\nexample: 30-year Fixed | 4-year Step Payment Period | Payment increases by $275.00 each year on anniversary\nof note date | Note Date = 1/1/2015 | P&I Payment = $2,350 after Step Payment Period ends.\n\nAdjustable Payment (AP) Table\n\n19.0 if yes:\n\nStep Payments?\n\n19.3YES\n\n19.3.1 For your first 48 payments\n\n19.5 Monthly Principal and Interest Payments\n\nFirst Change / Amount 19.6 $1,525 at 13th payment\n\nSubsequent Changes\n\n19.7 Every year for three ye ars\n\nMaximum Payment\n\n19.8 $2,350.00 starting at 49th payment\n\nFigure 124. Step Payment Loan\n\nFor the AP Table, “YES” is provided in answer to the question Step Payments? in row 19.3, along with the\nnumber of payments for which the Step Payment feature is in effect, counting from the first periodic payment\ndue after consummation that the feature is in effect. 19.7 provides additional information (not shown in the\nLoan Terms table) about subsequent changes to the P&I payment after the first yearly increase.\n\n1. LOAN TERMS TABLE FOR STEP PAYMENT LOAN\n\nAs shown in the figure below, the Loan Terms table provides information about the Step Payment feature that is\npresented again in the AP Table.\n\nAppendix E: UCD Implementation Guide\n\nPage 203 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\nLoan Terms\n\n4.0 Initial P&I\n\nIncrease?\n\nDescription\n\n4.3 Monthly Principal & Interest\n\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n"}
diff --git a/chunks/json/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.json b/chunks/json/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.json
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+++ b/chunks/json/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":444721,"char_start":442856,"chunk_id":"chk_c89969386517d2ed","chunk_index":263,"chunk_sha256":"b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82","token_estimate":466,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Dollar amount\n\nGround Rent Annual Amount\n\n18.021 Expires\n\n18.022 Description of\nGround Rent\n\nRent is Yes\n\nRequired if Ground\nRent is Yes\n\nmm/yyyy\n\nGround Rent Expires: The month and year when the project ground rent expires\nas per the lease.\n\nIf applicable\n\nFree-form\n\nCommentary could include information pertinent to the ground rent that is not\ncaptured in the discrete data above, or additional details to support the\ndiscrete data that is provided.\n\nAppendix F-1: URAR Reference Guide\n\nPage 188 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nCooperative Information\n\nShare Counts and Proprietary Lease Expiration\n\nCooperative Information: Share Counts and Proprietary Lease Expiration\n\nReport\nField ID\n\n18.023\n\nReport Label\n\nWhen to Include\n\nShares Issued\nand Outstanding\n\nRequired if the\nproperty is in a\ncooperative or condop\n\n18.024\n\nShares\nAttributable to\nSubject Property\n\nRequired if the\nproperty is in a\ncooperative or condop\n\nAllowable\nAnswers / Format\n\nNumber\n\nDefinition / Additional Guidance\n\nThe number of shares currently held by all the shareholders. Includes shares\nheld by all project unit owners and by the sponsor and / or developer.\n\nNumber\n\nThe number of cooperative shares associated with the subject property.\n\n18.025 Proprietary\n\nLease Expires\n\nRequired if the\nproperty is in a\ncooperative or condop\n\nmm/yyyy\n\nThe expiration date of the lease agreement that gives a shareholder the right to\noccupy a dwelling unit.\n\nCooperative Project Blanket Financing\n\nCooperative corporations typically finance the development and upkeep of the project by obtaining one or more\n“blanket” mortgages or lines of credit. If the property is in a cooperative or a condop, the appraiser must report\non project blanket financing. The Project Blanket Financing subsection includes overall information and\ninformation about each lien.\n"}
diff --git a/chunks/json/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.json b/chunks/json/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.json
new file mode 100644
index 0000000000000000000000000000000000000000..0965000c73600c94f210f278172031bed30722cb
--- /dev/null
+++ b/chunks/json/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18603,"char_start":17345,"chunk_id":"chk_b51f8cb16022fde0","chunk_index":10,"chunk_sha256":"b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749","token_estimate":315,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"SubjectPriorSalesAndTransferHistory\n\nThe subject property has been owned by the borrower for over 10 years and was recently upgraded with the installation of a new manufactured home.\n\nOverallQualityAndCondition\n\nThe building is a standard building plan with standard grade building materials.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2019-09-25\n\n45\n\nReasonableExposureTime\n\n445000\n\nfalse\n\n2222-55HG\n\nfalse\n\ntrue\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.4\n\nNowhere Technologies\n\nXYZ Lending Inc.\n\n239 Spooky St\n\nAnytown\n\n20141\n\nVA\n\nLender\n\nClient\n\nAnnie\n\nAppraiser\n\n123 Diagonal St\n\nAnytown\n\n20141\n\nVA\n\nOverall Appraisal Services\n\nLicensedResidentialAppraiser\n\n2020-01-31\n\n9898989898-000034\n\nVA\n\nAppraiser\n\nAppraisalFee\n\n0\n\nArthur\n\nAppraiser\n\n123 Diagonal St\n\nAnytown\n\n20141\n\nVA\n\nOverall Appraisal Services\n\nCertifiedResidential\n\n2020-02-28\n\n9898989898-000299\n\nVA\n\nAppraiserSupervisor\n\nHarry\n\nJames\n\nBorrower\n\nPropertyOwner\n\nJennifer\n\nJames\n\nBorrower\n\nJennifer\n\nJones\n\nPropertyOwner\n\nValuation\n\n2019-09-25\n\n2019-09-25\n\n\\\\MH1_Appraisal_v1.3.pdf\n\napplication/pdf\n\n3\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"}
diff --git a/chunks/json/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.json b/chunks/json/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.json
new file mode 100644
index 0000000000000000000000000000000000000000..afd6447b7429eae23a3ccf076e144dde25006e72
--- /dev/null
+++ b/chunks/json/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":633972,"char_start":632359,"chunk_id":"chk_6e5a364ff9866ec4","chunk_index":374,"chunk_sha256":"b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Numeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nR\n\nR\n\nR\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe appraisal report must indicate the finished square footage in whole numbers only,\nno commas. If 0% finished, a value of zero (0) must be entered.\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n436\n\n3\n\ne-20\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\n(Line 1)\n\nGSE Basement\nExit Type\n\nThe type of exit for a basement.\nDescribes how the basement can be\naccessed.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBasementExitType\n\n437\n\n3\n\n95\n\nSALES\nCOMPARISON\nAPPROACH\n\nBasement & Finished\nAdjustment\n(Line 1)\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_\nADJUSTMENT[@_Type=‘BasementArea’]/@_Amount\n"}
diff --git a/chunks/json/b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87.json b/chunks/json/b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87.json
new file mode 100644
index 0000000000000000000000000000000000000000..69826d6cb782469d7afc05ccb52dd395a575ec4a
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+{"chunk":{"char_end":5276313,"char_start":0,"chunk_id":"chk_68a72732016235a5","chunk_index":0,"chunk_sha256":"b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87","date_utc":"2026-01-27T18:13:13+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_2ea0bcfe00b3b406","text_sha256":"b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87","token_estimate":1522,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_nfu/2024_Enterprise_MF_NFU/fhlmc_mf2024b_units.txt","exceeds_max_chunk_chars_truncated"]},"text":"2 20000001 1 1.0 1 0\n2 20000001 1 1.0 2 0\n2 20000001 1 1.0 2 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 2 0\n2 20000001 1 3.0 3 0\n2 20000001 1 1.0 3 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 1 0\n2 20000001 1 1.0 3 0\n2 20000001 2 1.0 1 0\n2 20000001 2 2.0 3 0\n2 20000001 2 1.0 3 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 5.0 1 0\n2 20000001 2 1.0 2 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 2 0\n2 20000001 2 1.0 2 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 3 0\n2 20000001 2 1.0 3 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 4.0 1 0\n2 20000001 2 1.0 3 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 2 0\n2 20000001 2 1.0 2 0\n2 20000001 2 1.0 1 0\n2 20000001 2 1.0 1 0\n2 20000002 1 2.0 1 0\n2 20000002 1 1.0 1 0\n2 20000002 1 1.0 1 0\n2 20000002 1 4.0 1 0\n2 20000002 1 1.0 1 0\n2 20000002 1 1.0 1 0\n2 20000002 1 1.0 1 0\n2 20000002 1 5.0 2 0\n2 20000002 1 1.0 1 0\n2 20000002 1 1.0 2 0\n2 20000002 1 1.0 1 0\n2 20000002 1 1.0 2 0\n2 20000002 1 4.0 3 0\n2 20000002 2 5.0 3 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 5.0 2 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 3.0 2 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 2.0 2 0\n2 20000002 2 1.0 1 0\n2 20000002 2 2.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 4.0 2 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 3 0\n2 20000002 2 2.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 2 0\n2 20000002 2 1.0 2 0\n2 20000002 2 1.0 1 0\n2 20000002 2 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 2 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 5.0 3 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 1.0 1 0\n2 20000003 1 2.0 1 0\n2 20000003 1 3.0 1 0\n2 20000003 1 3.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 3.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 2.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 2.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 2.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 1 0\n2 20000003 2 1.0 3 0\n2 20000003 2 1.0 1 0\n2 20000003 2 2.0 1 0\n2 20000003 2 3.0 1 0\n2 20000004 1 1.0 3 0\n2 20000004 1 1.0 3 0\n2 20000004 1 1.0 3 0\n2 20000004 1 1.0 3 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 4.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 7.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 3.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 3.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 2.0 4 0\n2 20000004 1 2.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 3.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 4.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004 1 1.0 4 0\n2 20000004\n"}
diff --git a/chunks/json/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.json b/chunks/json/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.json
new file mode 100644
index 0000000000000000000000000000000000000000..8975e20760f4bc0d3f3c424044430705b6795ccd
--- /dev/null
+++ b/chunks/json/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1048627,"char_start":1046758,"chunk_id":"chk_ede8ca6e4348204a","chunk_index":624,"chunk_sha256":"b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f","token_estimate":468,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type\n='Shape']/@_Comment\n\n92\n\n1\n\ne-5\n\nSITE\n\nView\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIE\nW_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOr\nganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION\n_SECTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSE\nViewOverallRatingType\n\n30\n\nString\n\nThis is a free text field which should contain a description of the shape of the parcel.\n\nUAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form for the subject property and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nR\n\nT\n\nR\n\n93\n\n1\n\ne-6\n\nSITE\n\nView\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL\n_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@G\nSEViewType\n"}
diff --git a/chunks/json/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.json b/chunks/json/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.json
new file mode 100644
index 0000000000000000000000000000000000000000..65c1a36a7cc8847e9175349fed3e977cf700504a
--- /dev/null
+++ b/chunks/json/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8623,"char_start":7094,"chunk_id":"chk_db9231c3db050b70","chunk_index":4,"chunk_sha256":"b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfd7916d514b0861","text_sha256":"b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Assistance_Map___FHFA_h1qq38.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - [Dashboards](/data/dashboard)\n - Borrower Assistance Map\n\n# Borrower Assistance Map\n\n[![Fannie Mae and Freddie Mac State Borrower Assistance Map through March 31, 2023 ](https://public.tableau.com/static/images/Bo/BorrowerAssistMap/BorrowerAssistanceMap/1_rss.png)](https://www.fhfa.gov/)\n"}
diff --git a/chunks/json/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.json b/chunks/json/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e131b4f7ff8ca034211bb637e8f7788c4d96cfd
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+{"chunk":{"char_end":492174,"char_start":490417,"chunk_id":"chk_45d3c779382f7448","chunk_index":289,"chunk_sha256":"b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 97 of 211\n\nDocument Version 1.4\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n224\n\n225\n\n226\n\n227\n\n228\n\n2\n\n2\n\n2\n\n2\n\n2\n\n22\n\n23\n\n24\n\n25\n\n26\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nPROJECT\nANALYSIS\n\nAre there any other fees (other\nthan regular HOA charges) for\nthe use of the project facilities?\nIf Yes, report the charges and\ndescribe.\n\nCompared to other competitive\nprojects of similar quality and\ndesign, the subject unit charge\nappears\nHigh\n\nCompared to other competitive\nprojects of similar quality and\ndesign, the subject unit charge\nappears\nAverage\n\nCompared to other competitive\nprojects of similar quality and\ndesign, the subject unit charge\nappears\nLow\n\nPROJECT\nANALYSIS\n\nIf High or Low, describe\n\nAre there any special or unusual\ncharacteristics of the project\n(based on the condominium\ndocuments, HOA meetings, or\nother information) known to the\nappraiser?\nYes\n\nAre there any special or unusual\ncharacteristics of the project\n(based on the condominium\ndocuments, HOA meetings, or\nother information) known to the\nappraiser?\nNo\nAre there any special or unusual\ncharacteristics of the project\n(based on the condominium\ndocuments, HOA meetings, or\nother information) known to the\nappraiser?\nIf Yes, describe and explain the\neffect on value and\nmarketability.\n"}
diff --git a/chunks/json/b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222.json b/chunks/json/b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222.json
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+{"chunk":{"char_end":2614,"char_start":1945,"chunk_id":"chk_ae466f44ff2805e2","chunk_index":3,"chunk_sha256":"b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222","token_estimate":487,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"Addition of Valid Values for Taxes and Other Government Fees .......................................................... 7\n\nOverview ......................................................................................................................................... 7\n\nRequirement .................................................................................................................................... 7\n\nImpact on Phase 3 Critical Edits for Taxes and Other Government Fees ........................................ 8\n\nCritical Edit Impacts on the UCD Specification v1.5 ................................................................................. 9\n"}
diff --git a/chunks/json/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.json b/chunks/json/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.json
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+++ b/chunks/json/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.json
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+{"chunk":{"char_end":6678,"char_start":5029,"chunk_id":"chk_3edf1ef2fc46c399","chunk_index":3,"chunk_sha256":"b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7","token_estimate":413,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Name\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nH2\n\nSignificant Real Property Appraisal Assistance\n\nTXR-I\n\nName\n\nTXC-B\n\nDescription\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\n\nProperty Valuation Method\n\nCK1\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nY/N\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nTXR-B\n\nTXR-B\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nTX-B\nTXR-I\n\nTXR-I\n\nTX-B\nTXR-I\n\nLevel\nID\nState\nExpires\n\nTXR-I\nTXR-B\n\nTXR-B\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nTX-B\nTXR-I\n\nLevel\nID\nState\nExpires\n\nTXR-I\nTXR-B\n\nTXR-B\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nTX-B\n\nCredentials\n\nTXR-I\nTXR-I\nTXR-I\nTXR-I\n\nLevel\nID\nState\nExpires\n\nProperty Data Report\n\nName\nOccupation\nCompany Name\nCompany Address\nReference ID\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nAssignment Information and Scope of Work Commentary\n\nAssignment Information Exhibits\n\nH2\n\nTXR-I\n\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nH1\nTXC\n\nH1\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nSubject Property\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\n\nTXR-B\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\nTXC-B1\n\nDescription of Special Tax Assessments and Impact to Value/\nMarketability\n"}
diff --git a/chunks/json/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.json b/chunks/json/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.json
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index 0000000000000000000000000000000000000000..f942bc9e0932ff7fe6aaa11293853270393595c1
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+++ b/chunks/json/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.json
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+{"chunk":{"char_end":12641,"char_start":12194,"chunk_id":"chk_45ca3aa075d24e1a","chunk_index":19,"chunk_sha256":"b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering ........................................................................................................................................................................................... 47\n\nIntended Use ................................................................................................................................................................................................................ 47\n"}
diff --git a/chunks/json/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.json b/chunks/json/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.json
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index 0000000000000000000000000000000000000000..8dd1d6b62965702c8f1359c2f01027ec22c0183c
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+++ b/chunks/json/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":327316,"char_start":325687,"chunk_id":"chk_83160849053cc988","chunk_index":187,"chunk_sha256":"b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"B. DEFINITION OF NAMESPACES\n\nNon-MISMO containers and data points (structures) can be used with standard MISMO v3.4 structures and will still validate\nagainst the mismo.xsd. This happens with the definition of “namespaces” (xmlns:namespace). A namespace is the name of a\nschema (.xsd) file defining the non-MISMO data points to be used in the same directory as the mismo.xsd files. Just like the\nmismo.xsds, non-MISMO .xsd files must be declared at the start of the XML document. XML files submitted to each GSE’s\nUCD collection solution must be added to the MISMO schema references declarations of both the “gse” and “ucd” EXTENSION\nschema files. There are two EXTENSION schemas used with UCD v2.0: gse.xsd and ucd.xsd.\n\nC. GSE.XSD\n\nSome UCD data requirements were identified after MISMO v3.3.0 was published. These data points were included in earlier\nversions of the UCD Spec using the EXTENSION/OTHER structure and require the prefix “gse:” in front of the container or data\npoint name 3 . The gse: namespace must also be\nfile header xmlns:gse=\nhttp://www.datamodelextension.org/Schema/gse (see Table 4). Each GSE’s UCD collection solution recognizes data points with the “gse:”\nprefix which allows them to pass MISMO v3.3.0 schema validation. However, the syntax of the data points is not validated. The following\nUCD data points are EXTENSIONs to MISMO v3.3:\n\nthe UCD XML\n\nincluded\n\nin\n\nTable 72. gse: Namespace Data Points.\n\nUCD UID\n\nEXTENSION Data Point\n\nUCD Supported Enumeration\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/LIA\nBILITY_DETAIL/EXTENSION/OTHER\n"}
diff --git a/chunks/json/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.json b/chunks/json/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.json
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+{"chunk":{"char_end":11722,"char_start":9995,"chunk_id":"chk_dda9b973c497a044","chunk_index":6,"chunk_sha256":"b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642","token_estimate":432,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Dwelling Exterior - [Structure Identifier]\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nDwelling Style\nFront Door Elevation\nTownhouse End Unit\nTownhouse Back to Back\nUnits Above or Below\nTownhouse Location\nYear Built\nConstruction Method\nConverted Area\nConverted Area and Similarity\nto Rest of Living Area\nFactory Built Certification\nStructure Volume\nWindow Surface Area\nAttic\nRemaining Economic Life\nEffective Age\n\nCommentary on Remaining Economic Life\n\nCommentary on Effective Age\n\nQuality and Condition\n\nExterior Quality Rating\n\nExterior Condition Rating\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nDetail\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nNoncontinuous Finished Area\n\nThe table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit\n\nFinish\nFinished\n\nTotal Area\n\nRoom Summary\n\nCheck #A\n\nMechanical System Details\n\nSystem\n\nDetail\n\nHeating\n\nCooling\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier])\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nDwelling Exterior Commentary\n\nDwelling Exterior Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.json b/chunks/json/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.json
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+++ b/chunks/json/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.json
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+{"chunk":{"char_end":421274,"char_start":419707,"chunk_id":"chk_445664aa66603833","chunk_index":237,"chunk_sha256":"b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"18.3 Reg §1026.38 (l)(7)(i)(A)(2) pp. 80127, 80359, 80031-6\n\n18.4 Reg §1026.38(l)(7)(iii) pp. 80127, 80031-6\n\n18.5 Reg §1026.38(l)(7)(i)(A)(4) pp. 80127, 80359, 80031-6\n\n18.6 Reg §1026. 38(l)(7)(i)(B)(1) pp. 80127, 80359, 80031-6\n\n18.7 Reg §1026.38(l)(7)(i)(B)(2) pp. 80127, 80031-6\n\nAppendix E: UCD Implementation Guide\n\nPage 196 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n19.0 Adjustable Payment (AP) Table\n\n19.0 ADJUSTABLE PAYMENT (AP) TABLE\n\nThe Adjustable Payments (AP) Table is included in the following Closing Disclosure variations:\n\nTable 129. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\n19.0\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\nAdjustable Payment (AP)\nTable\n\nLoans with adjustable\npayments not based on\nrate\n\nLoans with adjustable\npayments not based\non rate\n\nLoans with adjustable\npayments not based on\nrate\n\nThe AP table is included in the Closing Disclosure only if the loan:\n\n1. Has terms that allow the principal and interest payment to change after consummation without a\ncorresponding adjustment to the interest rate (for example, Interest-Only, Graduated Payment, or\nPayment Option loans).\n\n2.\n\nIs a seasonal payment product (a loan with terms expressly providing that payments are not scheduled\nbetween regular, specified periods).\n\nAdjustable Payment (AP) Table\n\n19.0 if yes:\n\nInterest Only Payments? 19.1 NO /YES\n\n19.1.1 For your first # payments\n\nOptional Payments?\n\n19.2 NO /YES\n\n19.2.1 For your first # payments\n"}
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+{"chunk":{"char_end":73575,"char_start":0,"chunk_id":"chk_543a77a182e1376d","chunk_index":0,"chunk_sha256":"b7bfa67e87e5d53e03b681cae63a9921dc54e5ae62c03067b341a9f269b9433a","date_utc":"2026-01-27T18:13:16+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_2f328004b7697e66","text_sha256":"b7bfa67e87e5d53e03b681cae63a9921dc54e5ae62c03067b341a9f269b9433a","token_estimate":1482,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_nfp/2024_Enterprise_MF_NFP/fnma_mf2024b_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"1 10000001 3 1 3 1 1 1 2 4\n1 10000002 2 3 4 2 2 1 2 2\n1 10000003 2 2 4 2 2 1 2 5\n1 10000004 2 2 3 2 2 1 2 4\n1 10000005 2 3 2 2 2 1 2 4\n1 10000006 2 2 3 2 1 1 2 5\n1 10000007 3 3 4 1 2 1 2 5\n1 10000008 3 1 4 2 1 4 2 5\n1 10000009 3 1 3 2 2 1 2 5\n1 10000010 2 2 4 2 2 1 2 2\n1 10000011 3 3 4 2 1 1 2 5\n1 10000012 2 2 4 1 1 4 2 5\n1 10000013 3 1 3 2 1 1 2 5\n1 10000014 3 2 4 2 1 4 2 5\n1 10000015 3 1 3 2 1 4 2 3\n1 10000016 3 1 3 2 1 1 2 2\n1 10000017 3 1 4 2 2 4 2 5\n1 10000018 3 2 4 2 2 1 2 4\n1 10000019 3 1 3 2 1 1 2 4\n1 10000020 3 1 2 2 1 1 2 5\n1 10000021 3 2 4 2 3 1 2 5\n1 10000022 2 3 4 2 1 1 2 5\n1 10000023 3 3 4 1 1 1 2 5\n1 10000024 3 3 4 2 2 1 2 1\n1 10000025 3 1 2 2 1 1 2 5\n1 10000026 2 2 9 2 9 2 2 2\n1 10000027 2 2 9 2 9 2 2 3\n1 10000028 3 1 4 2 1 1 2 1\n1 10000029 2 2 4 2 2 4 2 4\n1 10000030 3 1 3 2 1 1 2 1\n1 10000031 3 1 3 2 2 1 2 5\n1 10000032 3 1 3 2 3 2 2 3\n1 10000033 2 2 3 2 1 2 2 5\n1 10000034 3 2 3 2 2 1 2 4\n1 10000035 2 3 4 1 2 4 2 3\n1 10000036 3 1 4 2 2 1 2 5\n1 10000037 3 1 2 2 2 1 2 5\n1 10000038 3 2 2 2 2 1 2 5\n1 10000039 3 1 2 1 1 4 2 5\n1 10000040 3 3 4 2 2 2 2 5\n1 10000041 3 2 3 2 1 1 2 4\n1 10000042 3 2 4 1 2 4 2 4\n1 10000043 3 3 4 2 1 2 2 5\n1 10000044 2 2 4 2 2 1 2 1\n1 10000045 2 3 4 2 2 1 2 1\n1 10000046 3 1 2 2 2 1 2 2\n1 10000047 3 1 4 2 2 2 2 5\n1 10000048 3 2 4 2 3 1 2 4\n1 10000049 3 1 4 2 1 1 2 5\n1 10000050 3 1 4 2 2 2 2 4\n1 10000051 3 2 2 2 2 1 2 5\n1 10000052 3 2 4 2 2 1 2 5\n1 10000053 3 3 3 2 1 2 2 4\n1 10000054 3 1 3 2 1 1 2 1\n1 10000055 3 1 2 2 1 1 2 5\n1 10000056 3 9 2 2 1 1 2 1\n1 10000057 3 1 4 2 2 1 2 3\n1 10000058 2 2 9 2 9 2 2 4\n1 10000059 3 1 4 2 1 1 2 5\n1 10000060 3 2 9 2 9 1 2 5\n1 10000061 3 2 3 2 1 1 2 5\n1 10000062 3 1 4 2 1 1 2 5\n1 10000063 3 1 3 2 1 1 2 5\n1 10000064 3 2 4 2 1 1 2 5\n1 10000065 3 3 4 2 2 1 2 2\n1 10000066 3 1 4 2 2 1 2 4\n1 10000067 3 3 4 2 2 1 2 5\n1 10000068 3 1 4 2 2 1 2 3\n1 10000069 3 2 3 2 2 1 2 1\n1 10000070 3 1 2 2 2 1 2 1\n1 10000071 3 1 2 2 2 1 2 2\n1 10000072 3 1 4 2 2 4 2 5\n1 10000073 3 3 4 1 2 4 2 5\n1 10000074 3 3 4 2 2 1 2 5\n1 10000075 2 3 4 2 3 1 2 5\n1 10000076 3 2 4 2 1 1 2 3\n1 10000077 2 3 4 2 1 1 2 2\n1 10000078 1 2 2 2 1 1 2 1\n1 10000079 2 1 3 1 2 1 2 3\n1 10000080 2 1 3 1 2 1 2 1\n1 10000081 2 3 2 1 2 1 2 2\n1 10000082 2 3 3 1 2 1 2 1\n1 10000083 3 3 9 2 9 1 2 5\n1 10000084 3 1 4 2 1 1 2 4\n1 10000085 3 1 3 1 1 1 2 5\n1 10000086 3 1 3 2 2 1 2 4\n1 10000087 3 2 4 2 2 1 2 5\n1 10000088 3 1 2 2 2 1 2 5\n1 10000089 3 1 3 2 1 1 2 5\n1 10000090 3 1 9 2 1 1 2 5\n1 10000091 3 2 4 2 2 1 2 5\n1 10000092 2 2 4 2 1 1 2 4\n1 10000093 3 1 3 2 2 2 2 4\n1 10000094 3 2 3 2 2 4 2 5\n1 10000095 3 1 2 2 2 1 2 1\n1 10000096 3 1 2 2 2 1 2 4\n1 10000097 3 1 3 2 2 1 2 4\n1 10000098 3 1 3 2 2 1 2 3\n1 10000099 3 1 2 2 2 1 2 3\n1 10000100 3 3 4 2 1 1 2 5\n1 10000101 2 2 2 1 2 1 2 5\n1 10000102 3 1 3 2 2 1 2 5\n1 10000103 3 2 4 2 2 1 2 5\n1 10000104 3 1 4 2 1 1 2 5\n1 10000105 3 2 3 2 2 2 2 4\n1 10000106 3 2 9 2 9 2 2 3\n1 10000107 3 2 9 2 9 2 2 3\n1 10000108 3 2 4 2 2 2 2 5\n1 10000109 2 2 2 1 1 1 2 5\n1 10000110 3 1 2 1 1 1 2 5\n1 10000111 2 3 4 1 2 1 2 5\n1 10000112 3 3 4 2 2 1 2 2\n1 10000113 3 1 9 2 9 1 2 5\n1 10000114 3 1 2 2 2 1 2 3\n1 10000115 3 1 4 2 1 1 2 2\n1 10000116 2 3 4 2 1 1 2 5\n1 10000117 3 2 4 2 2 2 2 5\n1 10000118 3 1 3 2 2 1 2 1\n1 10000119 3 1 3 2 2 1 2 1\n1 10000120 3 1 3 2 2 1 2 1\n1 10000121 3 1 2 2 2 1 2 4\n1 10000122 3 1 2 2 2 1 2 2\n1 10000123 2 2 2 2 2 1 2 3\n1 10000124 3 1 2 2 2 1 2 2\n1 10000125 3 3 4 2 1 1 2 3\n1 10000126 3 3 4 2 2 1 2 2\n1 10000127 3 3 3 2 2 1 2 2\n1 10000128 2 2 4 1 2 1 2 3\n1 10000129 3 3 4 2 2 1 2 4\n1 10000130 3 2 4 1 1 1 2 5\n1 10000131 2 1 4 2 1 1 2 2\n1 10000132 2 1 4 2 1 1 2 4\n1 10000133 2 2 3 2 1 1 2 3\n1 10000134 2 2 3 2 1 1 2 3\n1 10000135 2 2 3 2 2 1 2 5\n1 10000136 2 3 4 2 1 1 2 5\n1 10000137 3 1 3 2 2 1 2 4\n1 10000138 2 3 4 2 1 1 2 5\n1 10000139 2 2 3 2 1 1 2 2\n1 10000140 3 2 4 2 2 1 2 3\n1 10000141 2 2 2 1 1 2 2 2\n1 10000142 1 2 3 2 2 1 2 3\n1 10000143 3 1 2 2 1 1 2 5\n1 10000144 3 1 4 2 2 1 2 3\n1 10000145 3 1 4 2 2 1 2 1\n1 10000146 3 1 2 2 2 1 2 1\n1 10000147 3 1 4 2 2 1 2 1\n1 10000148 3 1 3 2 2 1 2 1\n1 10\n"}
diff --git a/chunks/json/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.json b/chunks/json/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.json
new file mode 100644
index 0000000000000000000000000000000000000000..0b9359deb5e122536fa7fb389092d33b96658c0b
--- /dev/null
+++ b/chunks/json/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.json
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+{"chunk":{"char_end":76609,"char_start":74966,"chunk_id":"chk_3f4f669a751f65e1","chunk_index":41,"chunk_sha256":"b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"If the MAX = 1, there is a one-to-one relationship between it and its parent; it cannot\nrepeat. If the MAX is greater than or equal to one that means that the container can repeat\nup to the number specified. If the MAX is “unbounded,” that means the container can\nrepeat an unlimited number of times.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 30 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-3. Container Cardinality.\n\n1 to 1\n\nABOUT_VERSIONS\nMIN=1, MAX=1\n\n1 to 1\n\nABOUT_VERSION\nMIN=1, MAX=1\n\nMESSAGE\nMIN=1, MAX=1\n\n1 to 1\n\nDEAL_SETS\n\n1 to Many\n\nDEAL_SET\nMIN=1, MAX=Unbounded\n\n1 to 1\n\nPARTIES\nMIN=1, MAX=1\n\nNotes:\n ULDDS Appendix A limits each loan delivery submission to one MESSAGE (MAX\n\n=1).\n\n There is a one-to-one relationship between MESSAGE and ABOUT_VERSIONS and\n\nbetween ABOUT_VERSIONS and ABOUT_VERSION.\n\n MIN=1 means that for each MESSAGE, the ABOUT_VERSIONS container must be\nsent and for each ABOUT_VERSIONS, the ABOUT_VERSION container must be\nsent. MAX=1 means only one of each may be sent. That is, each MESSAGE\nmust be based on only one version of the ULDDS.\n\n There is a one-to-one relationship between MESSAGE and DEAL_SETS. MIN=1\nmeans that for each MESSAGE, one DEAL_SETS container must be sent, and\nMAX=1 means only one may be sent.\n\n There is a one-to-many relationship between DEAL_SETS and DEAL_SET.\n\nMIN=1 means that for each DEAL_SETS, one DEAL_SET container must be sent.\nMAX=unbounded means that a limitless number of DEAL_SET containers may\nbe sent within DEAL_SET.\n"}
diff --git a/chunks/json/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.json b/chunks/json/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.json
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index 0000000000000000000000000000000000000000..bfefb348fc386ee302c5978ec5eada115e826d62
--- /dev/null
+++ b/chunks/json/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":252583,"char_start":250897,"chunk_id":"chk_be48c5fc52f11394","chunk_index":148,"chunk_sha256":"b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 104 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nFoundation\n\nThe Foundation row always displays in the Exterior Features table.\n\nDwelling Exterior: Quality and Condition - Exterior Features - Foundation\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.029\n\nDetail\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nFoundation Material: The material components of the base that the structure is\nbuilt upon.\n•\nBrick\n•\nConcrete Block\n• Metal\n•\nPoured Concrete\n•\nStone\n• Wood\n•\n\nOther (Describe)\n\n8.029\n\nDetail\n\nAlways required\n\nChoose one or\nmore allowable\nanswers from\ntable (Foundation\nType)\n\nFoundation Type\n•\nBasement\n•\nCrawl Space\n•\nPost and Pier\n•\nRunner\n•\nSlab\n•\nOther (Describe)\n\nNotes:\n•\n\n•\n\n•\n\nFor manufactured homes, the appraiser must indicate in Quality\nComment (8.030) whether tie downs or anchoring systems exist.\nFor CHOICEHome® and MH Advantage®, the appraiser must indicate in\nQuality Comment (8.030) whether or not the home has a “solid perimeter\nfoundation”.\nIf a manufactured home is not securely anchored, this must be reported\nin the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior)\nsubsection.\n\n8.029\n\nDetail\n\n8.029\n\nDetail\n\nYes | No\n\nRequired for FHA and\nUSDA appraisals when\nFoundation Type is\nCrawl Space\n\nRequired if Crawl\nSpace Accessible for\nObservation is Yes\n\nYes | No\n\nCrawl Space Accessible for Observation: Indicates whether the crawl space is\naccessible for visual observation.\n•\n•\nReference the appropriate government agency appraisal guidelines.\n"}
diff --git a/chunks/json/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.json b/chunks/json/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.json
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index 0000000000000000000000000000000000000000..6cf3a6b67a3d47af93b98bae898ffc56652c556a
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+++ b/chunks/json/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3227,"char_start":1618,"chunk_id":"chk_e0b4dab0485588ab","chunk_index":1,"chunk_sha256":"b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d","token_estimate":403,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf"]},"text":"Original Appraisal\n\nEffective Date of Appraisal\nOpinion of Market Value\nMarket Value Condition\n\nFinal Value Condition Statement\n\nTAB\n\nItemized List of Repairs\n\nTXR-B\nTXR-I\nTXR-B\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nTCH\n\nTB\n\nFeature\n\nLocation\n\nDescription\n\nTAB\n\nNew Observed Items for Repair\n\nFeature\n\nLocation\n\nDescription\n\nTCH\n\nTB\n\nTAB\n\nCompletion Status\n\nAffects\nSoundness\nor Structural\nIntegrity\n\nRepair\nCompleted\n\nInspection Date\n\nCompletion\nComment\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nInspection Date\n\nCK\n\nCK\n\nTCH\n\nTB\n\nTAB\nTXC\n\nTAB\n\nIs construction complete?\nWas construction completed in a manner consistent with the original plans and\nspecifications?\n\nY/N\n\nYes No\n \n \n\nFeature\n\nLocation\n\nComparison to Original\nPlans/Specs\n\nComment\n\nCompletion Report Commentary\n\nCompletion Report Exhibits\n\nTAB\n\nAssignment Information\n\nTXR-B\n\nBorrower Name\n\nTXR-B\n\nTXR-B\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nH1\n\nH2\n\nTXR-I\nTXR-I\n\nContact Information\n\n[Role]/[Role]\n\nCompany Name\nCompany Address\n\nH2\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n"}
diff --git a/chunks/json/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.json b/chunks/json/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.json
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index 0000000000000000000000000000000000000000..065921404c2257cc1914b208e2b47b2607aa2740
--- /dev/null
+++ b/chunks/json/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":430618,"char_start":429019,"chunk_id":"chk_86743acd7002315a","chunk_index":252,"chunk_sha256":"b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"111\n\nPROJECT SITE\n\nUtilities\nSanitary Sewer\nPublic\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_PublicIndicator\n\n112\n\nPROJECT SITE\n\nUtilities\nSanitary Sewer\nOther\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_NonPublicIndicator\n\n113\n\nPROJECT SITE\n\nUtilities\nSanitary Sewer\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita\nrySewer']/@_NonPublicDescription\n\n114\n\nPROJECT SITE\n\nOff-site Improvements - Type\nStreet\n\n115\n\nPROJECT SITE\n\n116\n\nPROJECT SITE\n\nStreet\nPublic\n\nStreet\nPrivate\n\n117\n\nPROJECT SITE\n\nOff-site Improvements - Type\nAlley\n\nProperty Off Site\nImprovement\nDescription\n\nProperty Off Site\nImprovement\nExists Indicator\n\nProperty Off Site\nImprovement\nExists Indicator\n\nProperty Off Site\nImprovement\nDescription\n\nA free-form text field used to describe the\nproperty off-site improvement specified by\nProperty Off Site Improvement Feature\nType.\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n\nIndicates that the particular off-site\nimprovement feature specified by Property\nOff Site Improvement Feature Type is\npresent.\n"}
diff --git a/chunks/json/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.json b/chunks/json/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.json
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+++ b/chunks/json/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.json
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+{"chunk":{"char_end":4825,"char_start":3223,"chunk_id":"chk_7d9e4ec7680e41f6","chunk_index":2,"chunk_sha256":"b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"\\\\Images\\UnitCKitchen.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nKitchen\n\nNotUpdated\n\n\\\\Images\\UnitCLivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n2.10\n\nfalse\n\n2022-07-10\n\nfalse\n\nNo\n\nfalse\n\nfalse\n\n2500\n\n2600\n\ntrue\n\nNone\n\nCarpet\n\nTypicalWearAndTear\n\nCeramicTile\n\nTypicalWearAndTear\n\nFlooring\n\nNotUpdated\n\nTypicalWearAndTear\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n1190\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1190\n\n0\n\n1190\n\nfalse\n\n2\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\n1\n\nNotUpdated\n\nUnit D\n\ntrue\n\nfalse\n\nTenant\n\ntrue\n\nCarport\n\n1\n\nDriveway\n\n1\n\nBalcony\n\nAmenities\n\nBath 1\n\n\\\\Images\\UnitDBath1.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nFullBathroom\n\nNotUpdated\n\nBath 2\n\n\\\\Images\\UnitDBath2.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nFullBathroom\n\nNotUpdated\n\nBedroom 1\n\n\\\\Images\\UnitDBedroom1.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nBedroom 2\n\n\\\\Images\\UnitDBedroom2.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\n\\\\Images\\UnitDDiningRoom.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\UnitDKitchen.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nKitchen\n\nNotUpdated\n\n\\\\Images\\UnitDLivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n2.18\n\nfalse\n\n2022-12-15\n\nfalse\n\nNo\n\nfalse\n\nfalse\n\n2600\n\n2600\n\ntrue\n\nTraditional\n\nSiteBuilt\n\nBrick\n\nCementBoard\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nSlab\n\nTypicalWearAndTear\n\nFoundation\n\nTenToTwentyYears\n\ntrue\n\nComposition\n\nTypicalWearAndTear\n\nRoof\n\nTypicalWearAndTear\n\nWindows\n\nThermal Double Hung\n\nC3\n\nQ4\n\nGroundLevel\n\n4\n\nBuilding 1\n\nEach unit has its own centralized, thermostatically controlled HVAC.\n\nCentralized\n\nElectric\n\nForcedWarmAir\n"}
diff --git a/chunks/json/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.json b/chunks/json/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.json
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+++ b/chunks/json/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":700608,"char_start":698981,"chunk_id":"chk_7fc5dd0b187f6278","chunk_index":417,"chunk_sha256":"b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 314 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n25 Cost Approach\n\nRemaining Economic Life and Effective Age\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach: Remaining Economic Life and Effective Age\n\n25.019 Remaining\n\nEconomic Life\n\n25.020 Effective Age\n\n25.021 Commentary on\n\nRemaining\nEconomic Life\n\n25.022 Commentary on\n\nEffective Age\n\nRequired for each\ndwelling\n\nRequired for each\ndwelling\n\nRequired for each\ndwelling if Remaining\nEconomic Life is less\nthan 30 years, or if\nrelevant\n\nRequired for each\ndwelling for FHA, VA,\nand USDA appraisals,\nor if relevant\n\nDepreciated Cost - Outbuilding\n\nNumber of years\n\nThe estimated number of years of the structure's remaining economic life.\n\nNumber of years\nor range of years\n\nFree-form\n\nThe estimated age of a structure based on its utility and physical wear and tear.\n\nCommentary could include information pertinent to Remaining Economic Life\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided.\n\nFree-form\n\nCommentary could include information pertinent to Effective Age that is not\ncaptured in the discrete data, or additional details to support the discrete data\nthat is provided.\n\nThe Depreciated Cost – Outbuilding table repeats for each outbuilding when Considered Real Property (12.002)\nis Yes, and the “When to Include” column in this subchapter reflects this. If there are no outbuildings that are\nreal property, this subsection does not display.\n\nOutbuilding Type (Displays in Gray Bar)\n"}
diff --git a/chunks/json/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.json b/chunks/json/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.json
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+++ b/chunks/json/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":335,"char_start":0,"chunk_id":"chk_0868d23fd8316bc0","chunk_index":0,"chunk_sha256":"b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5ff238decfa98b50","text_sha256":"b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1","token_estimate":100,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_e1ipsk.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-documentation\"\ndate_accessed: \"2026-01-27T17:46:01.883Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.json b/chunks/json/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.json
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index 0000000000000000000000000000000000000000..54661f6f120385b061bfea3f491fa34bb0bb1f27
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+++ b/chunks/json/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12402,"char_start":10508,"chunk_id":"chk_685b33aa00d04a6a","chunk_index":6,"chunk_sha256":"b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_695cc136fc0a3824","text_sha256":"b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9","token_estimate":471,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_gssm7.md"]},"text":"November 13, 2024\n\n## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408)\n\nThis paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the...\n - Staff Working Papers\n\nNovember 4, 2024\n\n## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406)\n\nWe study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in...\n - Staff Working Papers\n\nMay 24, 2024\n\n## [Working Paper 24-05: Tracking Our Footprint: CO2 Emissions from US Single-Family Homes](/research/papers/wp2405)\n\nWe estimate residential energy use and CO2 emissions for single-family homes using administrative data from approximately 45 million property appraisals, or 1.8 billion property-month observations. First, we find that from 2013 to 2021, CO2 emissions decreased by 8.8 percent in aggregate while...\n - Staff Working Papers\n\nMay 15, 2024\n\n## [Working Paper 24-04: Measuring Price Effects from Disasters Using Public Data: A Case Study of Hurricane Ian](/research/papers/wp2404)\n\nNatural disasters can disrupt housing markets, causing destruction to communities and distress to economic activity. To estimate the effects of disasters on home prices, publicly-available data on property damages are often used to classify “treated” properties. However, by design these data lack...\n - Staff Working Papers\n"}
diff --git a/chunks/json/b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697.json b/chunks/json/b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697.json
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index 0000000000000000000000000000000000000000..63d323dfe8e1ce0ef9ab7d42dd6a75e6d0e4a45f
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+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_1d0c48d90915b5c3","chunk_index":0,"chunk_sha256":"b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_24428dd19670b42c","text_sha256":"b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Housing_Goals___FHFA_ffy23f.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/enterprise-housing-goals\"\ndate_accessed: \"2026-01-27T17:54:20.541Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.json b/chunks/json/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.json
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index 0000000000000000000000000000000000000000..e42192632bda255e02aaad974d217e8432035cb1
--- /dev/null
+++ b/chunks/json/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79894,"char_start":77735,"chunk_id":"chk_56a9d7987e8bdbec","chunk_index":79,"chunk_sha256":"b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b","token_estimate":540,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Page [Page] of [Pages]\n\n29.016\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes\nthe property characteristics and supporting information have not changed in the interim.\n\n29.017\n\nThe appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\n29.018\n\nThe appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous\nwastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this\nappraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or\nwarranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that\nmight be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this\nappraisal report must not be considered as an environmental assessment of the property.\n"}
diff --git a/chunks/json/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.json b/chunks/json/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.json
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index 0000000000000000000000000000000000000000..452dffd8307f3a50ca3a3246fdd1edeee9150d6f
--- /dev/null
+++ b/chunks/json/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1257,"char_start":0,"chunk_id":"chk_f780167459cd6efe","chunk_index":0,"chunk_sha256":"b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54dfc352d50f8298","text_sha256":"b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff","token_estimate":314,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-sept-30-2021.pdf"]},"text":"Technology Manager Release Notes\n\nSeptember 30, 2021\n\nTechnology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae\napplications. Registered users can view and modify their user profile and security information, and company designated\nadministrators can assign various applications to their users and manage their System IDs.\n\nWhat’s new in this release?\n\nCustomers are now able to request access to new Fannie Mae applications more easily. Users can now view the applications they\nhave access to and request access to other authorized applications. Administrators will be able to view and manage these\nrequests.\n\nResetting a password using the password reset tool is now faster and easier. Users will now simply initiate the request, provide\nauthorization via a link sent to their email, and choose a new password.\n\nThe Virtual Assistant provides Corporate and User Administrators easier and faster ways to accomplish tasks within Technology\nManager. In addition to answering questions through chat functionality within the platform, the Virtual Assistant escorts users\nthrough the steps to create multiple users in one session, duplicate user access, and more.\n\n© 2021 Fannie Mae 9.21.21 Page 1 of 1\n"}
diff --git a/chunks/json/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.json b/chunks/json/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.json
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index 0000000000000000000000000000000000000000..6be3b8e7e1b1c6f773f426ee316935ae689d64a3
--- /dev/null
+++ b/chunks/json/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6636,"char_start":4879,"chunk_id":"chk_67a383468471c0ab","chunk_index":3,"chunk_sha256":"b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9","token_estimate":440,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"Additional Scope of Work cannot be contrary to the original Scope of Work.\n\nTXC-I\nTXC\n\nH1\n\nIntended Use\n\nTXC\n\nTXC\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nThe intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage\n(24 CFR § 200.145(b)).\n\nH2\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\nTXC-I\nTXC\n\nH1\n\nIntended User\n\nTXC\n\nThe intended user of this report is the lender/client.\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nTXC\n\nThe VA is also an intended user of this report.\n\nH2\n\nAdditional Intended Users\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n\nTXC-I\nTXC\n\nTAB\n\nCertifications\n\nH1\n\nAppraiser Certifications\n\nTXC\n\nThe Appraiser certifies and agrees that:\n\nTXC-NP\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n"}
diff --git a/chunks/json/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.json b/chunks/json/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.json
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index 0000000000000000000000000000000000000000..8c998351d2c6bda7d2ac92706d4447043d780682
--- /dev/null
+++ b/chunks/json/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30020,"char_start":28418,"chunk_id":"chk_3a373efadcb034d1","chunk_index":17,"chunk_sha256":"b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Additional Properties Analyzed Not Used\n\n#\n1\n\n2\n\n3\n\n4\n\n5\n\nProperty Address\n300 Wilshire Blvd,\nUnit 400\nNowhere, CA 90021\n\n11004 Westwood Blvd,\nUnit 211\nNowhere, CA 90021\n\n208 Midvale Ave, Unit 404\nNowhere, CA 90021\n\n880 Kelton Ave, Unit 612\nNowhere, CA 90021\n\n11005 Westwood Blvd,\nUnit 822\nNowhere, CA 90021\n\nSale Date\n08/01/2019\n\nStatus\nSettled Sale\n\nReason Not Used\nBathroom Count\nBedroom Count\n\n08/15/2019\n\nSettled Sale\n\n08/20/2019\n\nSettled Sale\n\nBathroom Count\nFinished Area\n\nBathroom Count\nFinished Area\n\nComment\nSuperior utility resulted in a higher sale price.\n\nLarger unit offering greater utility.\n\nSmaller unit offering less utility.\n\n08/26/2019\n\nSettled Sale\n\nCondition\n\nWas listed as a “fixer upper” by the agent.\n\n08/30/2019\n\nSettled Sale\n\nCondition\nFinished Area\n\nMuch larger unit that was recently renovated.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 22\nPage 17 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 22\nPage 18 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nComparable #4\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$778,000\n\nIncome Approach\n"}
diff --git a/chunks/json/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.json b/chunks/json/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.json
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index 0000000000000000000000000000000000000000..1a2367a7b30ffaef70cbc1506633b37596300fa9
--- /dev/null
+++ b/chunks/json/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":340944,"char_start":339332,"chunk_id":"chk_305b64114634df55","chunk_index":188,"chunk_sha256":"b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 129 of 166\n\nUAD 3.6 Policy\n\nProject Type\n\nIdentification Criteria\n\nA project for which all of the following are true:\n\n•\n\n•\n•\n•\n\nat least 90% of the total units in the project have been conveyed to unit\npurchasers;\nthe project is 100% complete, including all units and common elements;\nthe project is not subject to additional phasing or annexation; and\ncontrol of the HOA has been turned over to the unit owners.\n\nEstablished condo project\n\nA project may also be treated as an established project with less than 90% of the units\nsold to unit purchasers, provided the deficit is the result of the developer holding back\nunits for rent. The following requirements must be met:\n\n•\n•\n\n•\n\nconstruction is 100% complete;\nthe project is not subject to any additional phasing or annexation, and the\nHOA has been turned over to the unit owners;\nthe developer’s share of the units held back for rental is no more than 20% of\nthe project’s total units;\n\n• HOA fees are paid current in developer-held units; and\n•\n\nthere are no active or pending special assessments in the project.\n\nA project for which one or more of the following is true:\n\nNew condo project\n\n•\n\n•\n\nfewer than 90% of the total units in the project have been conveyed to unit\npurchasers (or 80% if it meets the exception noted in the row above);\nthe project is not fully completed, such as proposed construction, new\nconstruction, or the proposed or incomplete conversion of an existing\nbuilding to a condo;\nthe project is newly converted;\nthe project is subject to additional phasing or annexation; or\n"}
diff --git a/chunks/json/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.json b/chunks/json/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.json
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index 0000000000000000000000000000000000000000..a91db5cd56da261117b551d70169c215ea85c48a
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+++ b/chunks/json/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":363,"char_start":0,"chunk_id":"chk_6f35093e7859a39e","chunk_index":0,"chunk_sha256":"b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8","token_estimate":104,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors\"\ndate_accessed: \"2026-01-27T18:02:18.432Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.json b/chunks/json/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.json
new file mode 100644
index 0000000000000000000000000000000000000000..384bd007d37dd4e87d0fd11f16813d0e04388f7a
--- /dev/null
+++ b/chunks/json/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32642,"char_start":30775,"chunk_id":"chk_1c5e72d129f33c56","chunk_index":24,"chunk_sha256":"b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Fannie Mae Proprietary & Confidential\n\n13\n\nA snapshot of the RELATIONSHIPS for the sample loan.\n\nBorrowers 1 and 2 share a joint credit report and the relationship is listed below.\n\nBorrower 3 has individual credit - no ArcRole required for credit.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n14\n\nEarlyCheck\nThe current process for EarlyCheck will remain the same; however, there are changes in conditionality for\nexisting data points and new data points. The conditionality for EarlyCheck is included in the DU Spec.\nThese data points are identified in the DU Map tab in the EarlyCheck column of the Conditionality\nInformation columns.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n15\n\nChapter 3: Planning for Implementation\nThe Structure of the Loan Application Submission File\nThe XML is a file with a well-defined structure which provides flexibility to represent complicated data\nstructures. There are several advantages of using XML over a fixed length file format. Here are a few\nimportant ones:\n\n1. Organization. An XML file can have nested objects with data organized by groups in hierarchical\norder. XML files have tag values that can be easily configured by searching through the tags and\nchanging the value making the data easier to retrieve and update with an XML structure than in the\ncase of a fixed length file format.\n\n2. Attributes. It is possible to assign attributes to a given XML element beyond the data value of that\ncontainer. In the DU Spec, there are attributes to provide more information about the data order,\nthe role of an associated loan, and the version of the MISMO reference model. An example of the\nuse of attributes for data order is to add a sequence number attribute to identify the different\nemployers that a borrower may have when the borrower reports multiple current jobs.\n"}
diff --git a/chunks/json/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.json b/chunks/json/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.json
new file mode 100644
index 0000000000000000000000000000000000000000..8713d2f53ba194cd0c72c38012ec3736304c0fc1
--- /dev/null
+++ b/chunks/json/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":167267,"char_start":165639,"chunk_id":"chk_794dfa4948706c7c","chunk_index":97,"chunk_sha256":"b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Superfund Site\n\nA site established by the Federal Comprehensive Environmental Response, Compensation, and Liability Act of 1980 and\nadministered by the Environmental Protection Agency, enabling it to investigate and clean up sites contaminated with\nhazardous substances.\n\nUnderground Storage Tank\n\nA storage tank that is below the surface grade.\n\nWater Contamination\n\nWater that contains any foreign substance that can be harmful to humans, the property, and / or the environment (e.g.,\nlead, arsenic).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nWater Frontage with Private Access\n\nThe appraiser must indicate whether the property has private access to each Body of Water Type that was\nindicated in the Site Influences subsection above. Private access is intended to mean that the access is either\nowned by the subject property or exclusively granted to the subject property through easement or right.\n\nThis section is not intended for public or community waterfront access used as an amenity in projects,\ncommunities, or other housing developments. Instances where community waterfront access is included as an\namenity in mandatory HOA fees must be reported in Common Amenities / Services (18.012) in the Project\nInformation section.\n\nIf the property does not have private access to any body of water, this subsection does not display.\n\nSite: Water Frontage\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required for\neach Body of Water\nType\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n"}
diff --git a/chunks/json/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.json b/chunks/json/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..7b07893296e59171a6fb66ad8149493eebe2531e
--- /dev/null
+++ b/chunks/json/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":855189,"char_start":853565,"chunk_id":"chk_bf1c4782225935fd","chunk_index":508,"chunk_sha256":"b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Boolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nString\n\nThis field should indicate the data sources for the comparables' prior sale history.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nOne and only one of fields 2-91, 2-92\n(Property Analysis Type =\n'PhysicalDeficiency' and values of Property\nAnalysis Exists Indicator) should be\nindicated.\n\nThis field should be populated if field 2-91\n(Property Analysis Type =\n'PhysicalDeficiency' and Property Analysis\nExists Indicator = 'Y') is indicated.\n\nOne and only one of fields 2-94, 2-95\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should\nbe indicated.\n\nOne and only one of fields 2-94, 2-95\n(Property Analysis Type =\n'ConformsToNeighborhood' and values of\nProperty Analysis Exists Indicator) should\nbe indicated.\n\nThis field should be populated if field 2-95\n(Property Analysis Type =\n'ConformsToNeighborhood' and Property\nAnalysis Exists Indicator = 'N') is indicated.\n\nOne and only one of fields 2-97, 2-98\n(values of Sales History Researched\nIndicator) should be indicated.\nOne and only one of fields 2-97, 2-98\n(values of Sales History Researched\nIndicator) should be indicated.\n\nIf field 2-98 (Sales History Researched\nIndicator = 'N') is indicated, this field should\nbe populated.\n"}
diff --git a/chunks/json/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.json b/chunks/json/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.json
new file mode 100644
index 0000000000000000000000000000000000000000..5fe614453512319acc56c115844f8bc54dd9810a
--- /dev/null
+++ b/chunks/json/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":638973,"char_start":637316,"chunk_id":"chk_355811dcdf78f60f","chunk_index":377,"chunk_sha256":"b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 119 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n441\n\n3\n\ne-24\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nOther Room Count\n\nThe number of finished rooms other than\nrecreation rooms, bedrooms, and\nbathrooms in the below grade space.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeOtherRoomCount\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of other finished rooms in the basement.\n\n1\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric, 1-digit\n\n442\n\n443\n\n444\n\n445\n\n446\n\n447\n\n448\n\n449\n\n450\n\n451\n\n452\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\n103\n\n104\n\n105\n\n106\n\n107\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\nAdjustment\n(Line 2)\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n"}
diff --git a/chunks/json/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.json b/chunks/json/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.json
new file mode 100644
index 0000000000000000000000000000000000000000..c13c87f49a166eb736b1c831252325a69b68c820
--- /dev/null
+++ b/chunks/json/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8650,"char_start":7072,"chunk_id":"chk_f76b5bf0d0eeaf24","chunk_index":4,"chunk_sha256":"b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d08352e661698a4","text_sha256":"b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Data___FHFA_vpjg5h.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Market Data\n\n# Market Data\n\n## Residential Mortgage Debt Outstanding—Enterprise Share, 1990 – 2010\n\nTotal mortgages held or securitized by Fannie Mae and Freddie Mac as a Percentage of Residential Mortgage Debt Outstanding, 1990 – 2010.\n\nNote: Currently, FHFA does not have any plans to update this dataset through more recent periods.\n"}
diff --git a/chunks/json/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.json b/chunks/json/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.json
new file mode 100644
index 0000000000000000000000000000000000000000..e76fdebf9c9ec79c0f537a1a6879f90c0438939f
--- /dev/null
+++ b/chunks/json/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6860,"char_start":5262,"chunk_id":"chk_3443dd35d653c4ec","chunk_index":3,"chunk_sha256":"b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"Grammy Gold\n\nDwelling No. 8675309 in the condominium project known as Grammy Gold\n\n13939\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\n300.200.1000\n\nClubhouse\n\nClubMembership\n\nGatedCommunity\n\nIngroundPool\n\nOther\n\nSnow Removal\n\nTrashRemoval\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\n50\n\n3\n\n2\n\nThe data shows only two off-site mailing addresses, therefore assumed that they are rented units.\n\ntrue\n\n47\n\nCondominium\n\nGrammy Gold\n\nfalse\n\n3\n\n120\n\nConcrete\n\nPatio\n\n\\\\Images\\Condo2_Patio.jpg\n\nimage/jpeg\n\n92\n\nComposite\n\nPorch\n\n\\\\Images\\Condo2_Porch.jpg\n\nimage/jpeg\n\nOutdoorLiving\n\n2\n\nIndoorFireplace\n\nLiving Room Fireplace\n\n\\\\Images\\Condo2_IndoorFireplace1.jpg\n\nimage/jpeg\n\nBedroom Fireplace\n\n\\\\Images\\Condo2_IndoorFireplace2.jpg\n\nimage/jpeg\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nfalse\n\ntrue\n\nC1\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nDesktopAppraisal\n\nNone\n\n0\n\n0\n\n0\n\n0\n\n0\n\n0\n\n3500\n\n3500\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\n895000\n\n2018-05-16\n\ntrue\n\ntrue\n\nTypicallyMotivated\n\n2015-10-01\n\n2500000\n\nSale\n\nPreSubdivisionSale\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nCulDeSac\n\ntrue\n\nSubject's project has designated private asphalt roads. The responsibilities and maintenance of these roads is outlined and stated in the condominium master deed which is recorded. Private roads within site condominium complexes in this area are common and have no adverse effect on marketability.\n\ntrue\n\nPrivateStreet\n\ntrue\n\nfalse\n\nfalse\n\nNone\n\nBordering\n\nGolfCourse\n\nBeneficial\n\nOnsite\n\nOther\n\nGated Community\n\nBeneficial\n\n13939\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n"}
diff --git a/chunks/json/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.json b/chunks/json/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.json
new file mode 100644
index 0000000000000000000000000000000000000000..070c2dfd36a92c2f83a1dee63268462973ea0a17
--- /dev/null
+++ b/chunks/json/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":90835,"char_start":88987,"chunk_id":"chk_f2e79492ca386e7a","chunk_index":51,"chunk_sha256":"b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75","token_estimate":462,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n2.004\n\nReport Label\n\nWhen to Include\n\nAlways required\n\nProperty\nValuation\nMethod\n\nAssignment Information: Property Valuation Method\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Property\nValuation Method)\n\nDefinition / Additional Guidance\n\nThe method of property valuation, based on appraiser’s scope of work\nperformed.\n•\n•\n•\n•\nNote: Regardless of what was ordered, Property Valuation Method represents\nwhat was completed.\n\nTraditional Appraisal\nHybrid Appraisal\nDesktop Appraisal\nExterior Appraisal\n\nAllowable Answer\n\nTraditional Appraisal\n\nHybrid Appraisal\n\nProperty Valuation Method (Choose one)\n\nDefinition / Additional Guidance\n\nAn appraisal assignment for which the scope of work includes an interior and exterior onsite inspection of the subject\nproperty completed by the appraiser who signs the appraisal report. The Effective Date of Appraisal (26.011) is the date of\ninspection.\n\nAn appraisal assignment for which the scope of work includes using a recent collection of property data in lieu of the\nappraiser performing an onsite inspection. The Effective Date of Appraisal (26.011) is the date the appraiser develops the\nopinion of value.\n\nNote: If this answer is selected, Property Data Report Used (2.005) must be Yes, and the Property Data Report subsection\n(2.053-2.060) displays. The collection of property data must comply with the Uniform Property Dataset (UPD), as specified\nin Uniform Property Dataset - Freddie Mac Single-Family and Uniform Property Dataset | Fannie Mae.\n\nDesktop Appraisal\n\nAn appraisal assignment for which the scope of work includes using third party data sources, other than a recent collection\nof property data, in lieu of an appraiser performing an onsite inspection. The Effective Date of Appraisal (26.011) is the\ndate the appraiser develops the opinion of value.\n"}
diff --git a/chunks/json/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.json b/chunks/json/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.json
new file mode 100644
index 0000000000000000000000000000000000000000..a6651df607e3cc4ef0f2d6d10083ca318f52ed6f
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+++ b/chunks/json/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11088,"char_start":9466,"chunk_id":"chk_c5438f2707a71fbf","chunk_index":6,"chunk_sha256":"b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270","token_estimate":403,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the\nfollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133\n\n131\n\n129\n\n132\n\n130\n\nBased on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as\ndefined, of the real property that is the subject of this report is\n$ 134\n\n, the effective date of this appraisal.\n\n135\n\n, as of\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nFreddie Mac Form 70D July 2020\n\n226\n\nPage 2 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n\n2\n\n5\n\nAppraisal Assignment Type\n\nSubject Property Data Collection Method\n\nUniform Residential Appraisal Report (Desktop)\nSubject Property Data Collection Date\nSubject Property Data Collection Workforce\n\n227\n\n227\n\nFile # 3\n\n4 4a\n\n227\n\n227\n\nA\nD\nD\nI\nT\nI\nO\nN\nA\nL\n\nC\nO\nM\nM\nE\nN\nT\nS\n\nC\nO\nS\nT\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nI\nN\nC\nO\nM\nE\n\nP\nU\nD\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nProvide adequate information for the lender/client to replicate the below cost figures and calculations.\nSupport for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6\n\nCOST APPROACH TO VALUE (not required by Fannie Mae)\n\n8\n\nREPRODUCTION OR REPLACEMENT COST NEW\n"}
diff --git a/chunks/json/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.json b/chunks/json/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.json
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index 0000000000000000000000000000000000000000..e2ec01677bd16d451da8e9740c10275de6cc0f75
--- /dev/null
+++ b/chunks/json/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.json
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+{"chunk":{"char_end":6256,"char_start":5759,"chunk_id":"chk_6cbb3bfc234b9c2a","chunk_index":6,"chunk_sha256":"b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda","token_estimate":445,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Footer Text .......................................................................................................................................................... 16\n\nSection Headings ........................................................................................................................................... 18\n\nTITLE – Report Title ............................................................................................................................................. 18\n"}
diff --git a/chunks/json/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.json b/chunks/json/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.json
new file mode 100644
index 0000000000000000000000000000000000000000..dba6eabf7445f180ccd21015f8f36477466c6dfe
--- /dev/null
+++ b/chunks/json/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3478,"char_start":1609,"chunk_id":"chk_b57787fa3e2c118c","chunk_index":1,"chunk_sha256":"b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d3781bb2ced699d","text_sha256":"b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d","token_estimate":467,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025.pdf"]},"text":"• Review Production Server Configuration: Ensure that your production servers and applications are not explicitly\n\nrestricted to the current XIS IP addresses.\n\nCurrent XIS IP Addresses:\n\n•\n\n•\n\n•\n\n198.204.187.102\n\n167.133.172.20\n\n167.133.216.11\n\n•\n\nInspect Network Access Controls: Examine firewall rules, security groups, and network allow lists to ensure\nthey are not hardcoded to the existing IPs. Update any configurations that may block the requests once the DNS\nchanges take effect.\n\n© 2025 Fannie Mae 9.17.25 1 of 2\n\n• Validate Connectivity: Before and after the DNS update, verify that all services can successfully resolve and\n\nconnect to the new IP addresses.\n\nConnectivity Testing\n\nAction Required for IP Allowlisting and Connectivity Testing\n\nThe Integration Environment has been updated to support the new IP address configuration.\n\nTo validate connectivity prior to the production update, please submit test requests to the following endpoint:\n\nhttps://mkptprod.uwfndnsvc.du.prod.fanniemae.com/servicerequest2\n\nThis proactive testing will help to facilitate uninterrupted access once the changes are deployed.\n\nAction Required for Customers with IP Restrictions\n\nPlease contact us at integration_support@fanniemae.com to request the updated list of IP addresses for the Integration\nEnvironment if your current production XIS submissions are restricted to the following IP addresses:\n\n•\n\n•\n\n•\n\n198.204.187.102\n\n167.133.172.20\n\n167.133.216.11\n\nThis will allow you to perform connectivity testing with the new configuration by following these steps:\n\n1. Verify Request Payload: Verify that the value of the \"Host\" HTTP header in the request matches the XIS\nhostname the connection is made to. For instance, for Production, the Host header would be \"Host:\ndirect.efanniemae.com\". This is typically set automatically by the HTTP Client library or application.\n"}
diff --git a/chunks/json/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.json b/chunks/json/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.json
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index 0000000000000000000000000000000000000000..a8d1ee1f2842aa99d7ccf0a11b0c44aaf583a516
--- /dev/null
+++ b/chunks/json/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":665,"char_start":0,"chunk_id":"chk_6229e0b9af92156f","chunk_index":0,"chunk_sha256":"b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_178a3d1a46ad2899","text_sha256":"b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94","token_estimate":166,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/technology-manager-release-oct-21-2019.pdf","below_target_min_tokens"]},"text":"Technology Manager Release Notes\n\nOctober 21, 2019\n\nTechnology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae\napplications. Registered users can view and modify their user profile and security information, and company designated\nadministrators can assign various applications to their users.\n\nWhat's new in this release?\n\n1.\n\nImproved user experience\n\na. Actionable tasks in a single view\n\nb. \"Create New User\" workflow\n\n2. Modern and responsive user interface\n\n3. Accessible across all modern browsers and on mobile\n\n4. Ability to provide feedback across all pages\n\n© 2019 Fannie Mae 10.24.19 Page 1 of 1\n"}
diff --git a/chunks/json/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.json b/chunks/json/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.json
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index 0000000000000000000000000000000000000000..e84b6b57e82dd9f9307f6883d8e2529ec0d2011d
--- /dev/null
+++ b/chunks/json/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21544,"char_start":19895,"chunk_id":"chk_20337438616d5946","chunk_index":12,"chunk_sha256":"b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Interest Rate\n\nAmortization Type\n\nPro Rata Share of Balance\nAttributable to Unit\n\nProject Factors and Impact to Value/Marketability\n\nDetail\n\nImpact\n\nComment\n\nProject Factor\nDeveloper/Sponsor in Control\n\nIncomplete Project\n\nConverted in Past 3 Years\n\nSingle Entity Ownership of Multiple\nUnits\n\nSingle Entity Ownership of Multiple\nShares\n\nCommercial Space\n\nKnown Legal Actions\n\nUnit Transfer Fees\n\nUnit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nProject Factors Commentary\n\nProject Information Commentary\n\nProject Information Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nListing Status\n\nListing Type\n\nListing ID\n\nStart Date\n\nEnd Date\n\nDOM\n\nStarting\nList Price\n\nCurrent or\nFinal List Price\n\nAnalysis of Subject Property Listing History\n\nSubject Listing Information Exhibits\n\nTotal DOM\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSales Contract\n\nIs there a sales contract?\nWas sales contract information analyzed?\nDoes this appear to be an arm’s length transaction?\n\nNon-Arm’s Length Commentary\n\nYes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\nPersonal property is not included in the appraiser’s final opinion of value\n"}
diff --git a/chunks/json/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.json b/chunks/json/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.json
new file mode 100644
index 0000000000000000000000000000000000000000..03a6b7e21d4120c927998c93cf57399dd5181a34
--- /dev/null
+++ b/chunks/json/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37287,"char_start":35495,"chunk_id":"chk_08282a9cc0b67fc3","chunk_index":19,"chunk_sha256":"b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde","token_estimate":448,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 11 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\n• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of\n\nallowable answers, and additional guidance.\n\no Note: Allowable answers with complex definitions are in a separate table.\n\nThe Summary and Reconciliation sections redisplay information from other sections and therefore have\nadditional columns:\n• When Displayed in Summary Section\n\no Examples: Always displays, If applicable, When there are property restrictions\n\n• Origin of Information (Section): The section, Field Name, and Report Field ID from which the Summary or\n\nReconciliation information populates\n\nThe grids in Sales Comparison Approach, Rental Information, and Income Approach have additional columns.\n• When Row Displays\n\no Examples: Always, If relevant, If applicable, Required if New Construction for the subject property is\n\nYes\n\no Note: When a row displays is not always the same as when subject or comparable information is\n\nrequired.\n\n• When to Include for each Comparable: When the information is required for each comparable.\n• Origin of Subject Property Information: The section, Field Name, and Report Field ID for subject property\ninformation that populates the grid, or an indication that the information does not populate from other\nsections and that the appraiser must enter information for the subject property.\n\n• Adjustable Row: Whether or not the row is adjustable.\n\nDocument Conventions\n\nThe following fonts and colors are used in this document:\n• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold.\n• Report Field ID: A red number identifies the specific location of the field on the URAR.\n"}
diff --git a/chunks/json/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.json b/chunks/json/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.json
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index 0000000000000000000000000000000000000000..4f2bc9261d7421aee1b2d3a28d23b3da2e20e2a3
--- /dev/null
+++ b/chunks/json/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":248534,"char_start":246882,"chunk_id":"chk_be5a30d805b49b89","chunk_index":129,"chunk_sha256":"b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0\nData Point\n\nMISMO v3.3.0\nValue\n\nNotes\n\nSecond Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n7.9.3\n\nBorrower-Paid\n\n…/INTEGRATED_DI\nSCLOSURE_SUBSEC\nTION_PAYMENT\n\nIntegratedDisclosur\neSubsectionPaidBy\nType\n\n7.9.3\n\nLoan Costs\nSubtotals (A + B +\nC) Borrower-Paid\nBefore Closing ($)\n\n7.9.3\n\nBefore Closing\n\n1. MAPPI NG GUI DANCE\n\nIntegratedDisclosur\neSubsectionPayme\nntAmount\n\nIntegratedDisclosur\neSubsectionPayme\nntTimingType\n\nBuyer\n\n29.80\n\nRepresented as\nBorrower-Paid\nheading on form\n\nROF as “$29.80”\n\nBeforeClosing\n\nRepresented as\nBefore Closing\nheading on form\n\n7.1 | 7.4 | 7.6 | 7.8 INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL conveys the data points identifying\nand providing totals for all the subcategories in the Loan Costs table. The subcategories A – D are identified\nusing the value of IntegratedDisclosureSubsectionType. If there are no fees to disclose for a category, the GSEs\nrequire a zero to be provided.\n\n7.9 Within the fourth instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL, the value of\nIntegratedDisclosureSubsectionType identifies the Loan Costs Subtotal heading.\n\n7.9.2 | 7.9.3 Two instances of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT provide the data points\nbreaking out the category total by payor (Borrower), timing (At or Before Closing) and amount. If there are no\nfees to disclose for a subtotal, the GSEs require a zero to be provided.\n\nB. LI NE I TEMS\n\nLine items are disclosed according to the following general pattern with exceptions noted under each category\ndescription.\n\n1.\n\nIdentify the charge (7.3 | 7.5 | 7.6). Describe the service or function using clear and conspicuous\nterminology.\n"}
diff --git a/chunks/json/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.json b/chunks/json/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.json
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index 0000000000000000000000000000000000000000..8c9b0b1838eb61eea27af4074357e5b50872c4b5
--- /dev/null
+++ b/chunks/json/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":414431,"char_start":412822,"chunk_id":"chk_f04ca6fd8f367347","chunk_index":324,"chunk_sha256":"b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"• 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 PROPERTY\n\nWhen the data source is associated with a gross rent multiplier comparable, provide the relationship that joins to the applicable instance of\nPROPERTY where the ValuationUseType = \"GrossRentMultiplierComparable\".\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n1200.0044\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY\n\n1200.0045\n\nRELATIONSHIP\n\n1200.0046\n\nRELATIONSHIP\n\n2000.0016\n\nPROPERTY\n\n0700.0124\n\nDATA_SOURCE\n\n@xlink:from\n\n@xlink:to\n\n@xlink:label\n\n@xlink:label\n\nDATA_SOURCE_n\n\nPROPERTY_n\n\nPROPERTY_n\n\nDATA_SOURCE_n\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n25 Cost Approach\n\nPage 324\n\nThe Cost Approach section includes cost estimates of the land value, cost of constructing dwellings and outbuildings, and the appropriate\namount of depreciation. This section provides space for additional commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 325\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 326\n\nThe Cost Approach section displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true”.\n\nIndicated Value by Cost Approach\n\nThe Indicated Value by Cost Approach subsection is a summary of the cost approach. The fields are populated based on data in the\nsubsections that follow. They are not directly entered by the appraiser.\n"}
diff --git a/chunks/json/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.json b/chunks/json/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.json
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index 0000000000000000000000000000000000000000..ee18b2dd10f86ff90953f2efdf6bece13dd6af02
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+++ b/chunks/json/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":607435,"char_start":605836,"chunk_id":"chk_acc747d5206e05df","chunk_index":361,"chunk_sha256":"b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Amenity Count (for the indicated miscellaneous amenity)\n\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 265 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nVehicle Storage\n\nThe Vehicle Storage subsection always displays on the sales comparison grid. Information about the subject property’s garage area populates from\nthe Vehicle Storage section. If the subject or comparable(s) have additional features that impact value and/or marketability, Additional Rows are\nutilized to support adjustments and conclusions, such as heat, cooling, or additional area. Reference Appendix 4: Detached Garage Examples for\nadditional information and examples.\nExamples:\n• Detached garage with an ADU above or sharing a common wall with the garage:\no ADU(s) if any, are reported in the Units(s) subsection (22.07).\no The portion of the garage dedicated to vehicle storage is reported in the Vehicle Storage subsection.\n\n• Detached garage with a finished workshop and a bathroom:\n\no The portion of the garage dedicated to vehicle storage is reported in the Vehicle Storage subsection.\no The workshop and bathroom are reported in the Outbuilding subsection (22.14) with Outbuilding Type selected as Other, and described\n\nas Workshop/Garage.\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Vehicle Storage\n\n22.13.04 Vehicle\nStorage\n(subsection\nheading)\n\n22.13.01\n22.13.05\n\nType | Spaces\n| Detail\n\nAlways\n"}
diff --git a/chunks/json/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.json b/chunks/json/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.json
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index 0000000000000000000000000000000000000000..52e4b46a2437dbad7067e24932918288b87d5af2
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diff --git a/chunks/json/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.json b/chunks/json/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.json
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index 0000000000000000000000000000000000000000..7f8519f0d1683cd44417eb08d7cb2fee0c8fbcff
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+++ b/chunks/json/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.json
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+{"chunk":{"char_end":11786,"char_start":10122,"chunk_id":"chk_5faa34fa01e9046b","chunk_index":6,"chunk_sha256":"b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_08a5977044de1314","text_sha256":"b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7","token_estimate":450,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2021.pdf"]},"text":"1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-\nCost Mortgage; 3=Not subject to HOEPA\n1=Secured by first lien; 2=Secured by a subordinate\nlien; 3=Not secured by a lien; 4=Not Applicable\n\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\n\nAcqTyp\nAff1\nAff2\nAff3\nAff4\n\nN/A\nN/A\nN/A\nN/A\nN/A\n\nN/A\nN/A\nN/A\nN/A\nN/A\n\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\n\nBed1\nBed2\nBed3\nBed4\nCICA\nCoop\nFeatureID\nFedInsbltyPlan\nGeog\nGSEREO\nIncRat\nRent1\nRent2\nRent3\nRent4\nRentUT1\nRentUT2\nRentUT3\nRentUT4\nSpcHSGGoals\nTractRat\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n"}
diff --git a/chunks/json/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.json b/chunks/json/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.json
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index 0000000000000000000000000000000000000000..375573507c140f8e14b204c51cfd3f7384f43d29
--- /dev/null
+++ b/chunks/json/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.json
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+{"chunk":{"char_end":23421,"char_start":21709,"chunk_id":"chk_5eb965f390e66839","chunk_index":13,"chunk_sha256":"b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Informational\n\nThese findings are for informational purposes. Informational severity\nfindings will not impact the Document File Status or Document Status.\n\nNotification\n\nThese findings are for informational purposes. Notification severity\nfindings will not impact the Document File Status or Document Status.\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nFannie Mae /\n\nFreddie Mac\n\nFannie Mae /\n\nFreddie Mac\n\nFannie Mae /\n\nFreddie Mac\n\nFannie Mae\n\nFreddie Mac\n\nTip: Severity ratings will vary by Finding Category. For example, System Findings only return “Fatal” and “Warning” severity\nratings. Severity ratings are subject to change in future releases.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nFindings Categories\n\nFindings are organized into three categories:\n\n▪ System Findings focus on the completeness and validity of the submitted UAD 3.6 Appraisal ZIP File within UCDP.\n▪ UAD Compliance Findings verify that the submitted XML file adheres to UAD 3.6 specifications.\n▪ GSE Proprietary Findings provide feedback specific to each GSE’s unique appraisal report requirements.\n\nTip: A comprehensive list of all finding messages that can return in the UAD 3.6 Submission Summary Report can be found on\nthe GSEs’ UCDP web pages: Messaging Guide for UAD 3.6 | Fannie Mae and Messaging Guide for UAD 3.6 | Freddie Mac.\n\nSystem Findings\n\nUCDP System findings relate to the submission of a UAD 3.6 ZIP file to the GSEs through UCDP. This\nincludes all the documents within the ZIP file and any of its components.\n"}
diff --git a/chunks/json/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.json b/chunks/json/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.json
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index 0000000000000000000000000000000000000000..9f5e863f673ba95ac4339f54984f1182ca13370a
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+++ b/chunks/json/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":229328,"char_start":227570,"chunk_id":"chk_a10b153c2bce000c","chunk_index":128,"chunk_sha256":"b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984","token_estimate":440,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If a defect, damage, or deficiency is reported with a recommended action of completion, inspection, or repair\n\n•\n•\n\nthe report must be made subject to the completion of the item and cannot be “as is”; and\nthe condition status, if applicable, for the item must reflect the future “resolved” condition.\n\nInfestation, Dampness, or Settlement\n\nIf the appraisal indicates evidence of infestation (such as wood-boring insects), dampness, or abnormal settlement, the appraisal\nmust comment on the effect on the value and marketability of the subject property. The lender must either provide satisfactory\nevidence that the condition was corrected or submit a professionally prepared report indicating, based on an inspection of the\nproperty, that the condition does not pose any threat of structural damage to the improvements. The appraisal should be made\n\"subject to\" repairs, or \"subject to\" an inspection by a qualified professional.\n\nAppraisals Completed “As Is”\n\nFannie Mae permits appraisals to be based on the “as is” condition of the property provided existing conditions are minor and do\nnot affect the soundness or structural integrity of the property, and the appraiser’s opinion of value reflects the existence of these\nconditions.\n\nMinor conditions and deferred maintenance are typically due to normal wear and tear from the aging process and the occupancy\nof the property. While such conditions generally do not rise to the level of a required repair, they must be reported in the\nappropriate Defects, Damages, Deficiencies table, with a recommended action of “none”. Examples of minor conditions and\ndeferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, missing handrails, or\ncracked window glass.\n"}
diff --git a/chunks/json/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.json b/chunks/json/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.json
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index 0000000000000000000000000000000000000000..da0ee4eb7d23b8fdbad52e7cdb0f4f213419419f
--- /dev/null
+++ b/chunks/json/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22584,"char_start":20873,"chunk_id":"chk_5107c55603dceb15","chunk_index":5,"chunk_sha256":"b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q4. Are there any file size limitations? And if so, does this vary by the submission method (manual upload or direct integration)?**\n\nUCD files submitted to Fannie Mae will be subject to limitations for manual upload and direct integration. The maximum file sizes are as follows:\n\n- User interface (single file) = 30 MB\n - User interface (zip file) = 200 MB or a maximum of 50 loans files in a single batch file\n - Direct integration (synchronous) = 30 MB\n **Q5. Are there any requirements around which loans can be batched together (i.e., loans that have or have not been previously submitted)?**\n\nThere are no limitations on which files can be batched together. However, Fannie Mae will require the Desktop Underwriter® (DU®) Casefile ID to be included in the UCD XML file for any loan that was underwritten by DU and is being delivered as a DU loan. Any loan that does not have a Casefile ID issued through DU will receive a Casefile ID from Fannie Mae upon submission of the UCD file. In the case of UCD file resubmissions, the file must include the DU-generated Casefile ID upon resubmission.\n\n**Q6. When a loan is part of a batch file submission and needs to be resubmitted, does the loan need to remain part of the original batch file?**\n\nNo. Any UCD file may be resubmitted either as a single file or as part of another batch file submission. However, the DU-generated must be included in the resubmitted UCD XML file.\n\n**Q7. If a file is resubmitted will it overwrite the previous file that was submitted?**\n\nYes. The previously submitted UCD file will be overwritten by the latest UCD XML file submission, provided both submissions are associated with the same Fannie Mae issued Casefile ID.\n"}
diff --git a/chunks/json/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.json b/chunks/json/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.json
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index 0000000000000000000000000000000000000000..09eb89b15a980dd80c7e3cd7d47483aa393af4b8
--- /dev/null
+++ b/chunks/json/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.json
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+{"chunk":{"char_end":8946,"char_start":7158,"chunk_id":"chk_c081e5fd98569171","chunk_index":4,"chunk_sha256":"b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33","token_estimate":451,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Blogs](/blog)\n - FHFA Mortgage Loan and Natural Disaster Dashboard Blog: A Case Study of Hurricane Beryl\n\nFHFA Statistics\n\n# FHFA Mortgage Loan and Natural Disaster Dashboard Blog: A Case Study of Hurricane Beryl\n\nPublished:\n\n09/09/2024\n\nThis week, FHFA released the [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster) that enables users to assess the impact of natural disaster risk on vulnerable communities as well as the distribution of physical hazard risk for 2022 loan acquisitions by FHFA’s regulated entities.\n"}
diff --git a/chunks/json/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.json b/chunks/json/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.json
new file mode 100644
index 0000000000000000000000000000000000000000..e3ba4a350224ee0246c9b8180f00f31da4c7b183
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+++ b/chunks/json/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27613,"char_start":26012,"chunk_id":"chk_c48c44cd3e7421df","chunk_index":14,"chunk_sha256":"b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"In order to include the extension containers within the MISMO_3_0.xsd file and have it validate\ncorrectly, a reference to an extension schema must be included with the MISMO_3_0.xsd file. Including\nthe following file:\n\n ULDD_Phase_3_Extension.xsd\n\nThis allows the schema to load properly and place the extension containers in the proper\nlocation and validate. See section 5.12 Supporting Extensions in MISMO Version 3.0\nReference Model for additional details.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 11 of 22\n\n5.1. XML Container Hierarchy\n\nThere are many containers within the full MISMO Version 3.0 Reference Model; the ULDD only\nutilizes a subset. Figure 2 (below) provides a high-level overview of the MISMO Version 3.0 Reference\nModel and container hierarchy structure documented in the ULDD Specification.\n\nFigure 2 - MISMO Version 3.0 Reference Model - High - Level Container Hierarchy Overview\n\nIn order to provide access to newer data points in the later versions of the MISMO Reference Model,\nextension containers are leveraged. This allows the data points to be represented in the MISMO\nVersion 3.0 Reference Model. In ULDD Phase 3, extension containers are used to deliver updated\nborrower demographic information, as well as the Universal Loan Identifier.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 12 of 22\n\nXPath is used to navigate through elements\nand attributes in an XML document\n\nExtension for Universal Loan Identifier\n\nMESSAGE/DEAL_SETS/DE AL_SET/ DE ALS /DE AL/LOANS /LOAN /LOAN _IDE NTIFIE RS\n\nRoot XPath\n\nLOAN_IDENTIFIER\n\nEXTENSION\n\nOTHER\n"}
diff --git a/chunks/json/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.json b/chunks/json/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff4bbee206a9cb20599208de7263bfefc1d29bd1
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+++ b/chunks/json/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4689,"char_start":3370,"chunk_id":"chk_8cb3104ec2fa60cb","chunk_index":2,"chunk_sha256":"b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8c2c514a9a3ca3c8","text_sha256":"b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d","token_estimate":330,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-readiness-checklist-lenders.pdf"]},"text":"(LOS), as needed.\n\no\n\nImplement the LOS’s tested UCD v2.0 software changes as released.\n\n When you have completed your independent testing, start submitting UCD v2.0 XML files in the GSEs’\n\nclosing solutions production envrionments.\n\n Review and address updated Phase 1-3 and new Phase 3B postponed and Phase 4 warning edits firing\n\nin production for your UCD v2.0 files.\n\n Review the reporting available from the GSEs on Phase 3B postponed and Phase 4 critical edits to track\n\nyour progress and readiness.\n\n Circle back with your vendor(s) to resolve any remaining issues with the XML file.\n\nSEPTEMBER 29, 2025 — UCD V1.5 TO UCD V2.0 TRANSITION PERIOD BEGINS\n\nFor more information on UCD, visit the Freddie Mac UCD webpage or the Fannie Mae UCD webpage.\n\nIf you have questions or need further assistance, please contact your TSP account representative, the GSE\ntechnology integration teams, or submit your questions to our UCD mailboxes: UCD@FreddieMac.com or\nUCD@FannieMae.com. For production support call (800) FREDDIE or 1-800-2FANNIE.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners.\n\nJune 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency\n"}
diff --git a/chunks/json/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.json b/chunks/json/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.json
new file mode 100644
index 0000000000000000000000000000000000000000..f88c6e9cafe8ec7560ef79f6b2bd7c9a43169399
--- /dev/null
+++ b/chunks/json/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17608,"char_start":15999,"chunk_id":"chk_7638185dbfa60906","chunk_index":9,"chunk_sha256":"b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Name of county or parish as defined by the state.\nNotes:\n•\n\nIf the subject property is not located in any county (located in an\nindependent city), enter the name of the local municipality or district in\nwhich the property is located. Examples: Baltimore City, Fairfax City.\nIf the property is located in more than one county, provide the county\nthat corresponds to the Physical Address, and provide further details in\nAppraisal Update Commentary (03.003).\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAlways required\n\nYes | No\n\nProperty in a Project\n•\n•\n\nYes (the property is in a condominium, cooperative, or condop)\nNo (the property is not in a condominium, cooperative, or condop)\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 9 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Subject Property\n\nSubject Property\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nRequired if Property in\na Project is Yes\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n01.003 Property Rights\n\nAppraised\n\nRequired if the\nproperty is not in a\ncooperative\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Project\nLegal Structure)\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nProject Legal Structure\n\nOwnership interest in the property.\n•\n•\n•\n\nFee Simple\nLeasehold\nOther (Describe)\n\nN/A\n\nSee\niGuide\n\nAlways required\n\nPhoto\n\nProperty Photo: Photo of the property, typically the front.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nProject Legal Structure (Choose one)\n\nCondominium\n"}
diff --git a/chunks/json/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.json b/chunks/json/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.json
new file mode 100644
index 0000000000000000000000000000000000000000..912603a728017c137d2bace580bfdea8c36b4238
--- /dev/null
+++ b/chunks/json/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11990,"char_start":10506,"chunk_id":"chk_37cb5159d7f1573d","chunk_index":8,"chunk_sha256":"b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b","token_estimate":458,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"10.7.1\n10.8.1\n\n10.9.1\n\n-$ 10.5.2\n$ 10.6.2\n\n-$ 10.7.2\n-$ 10.8.2\n\n$ 10.9.2\n\n-$ 10.5.3 NO/YES 10.5.4 • See Deposit in Section L\n$ 10.6.3 NO/YES 10.6.4 • Your available funds from the loan amount have\n\nincreased/decreased. this payment\n\n-$ 10.7.3 NO/YES 10.7.4 • See Seller Credit in Section L\n-$ 10.8.3 NO/YES 10.8.4 • See details in Sections K and L\n\n$\n\nSummaries of Transactions\n\nUse this table to see a summary of your transaction.\n\nBORROWER’S TRANSACTION\n\nSELLER’S TRANSACTION\n\n11.0 K. Due from Borrower at Closing\n11.1 Sale Price of Property\n11.2 Sale Price of Any Personal Property Included in Sale\n11.3 Closing Costs Paid at Closing (J)\n11.4 Liability Item\n11.5 Adjustments\n11.5.2 Closing Adjustment Item\n\n11.0.1\n11.1.1\n11.2.1\n11.3.1\n11.4.1\n\n$\n$\n$\n$\n$\n\n11.5.3\n\n$\n\n14.0 M. Due to Seller at Closing\nSale Price of Property\nSale Price of Any Personal Property Included in Sale\n\n11.5.4 Adjustments for Items Paid by Seller in Advance\n11.6 City/Town Taxes Date to Date\n11.7 County Taxes Date to Date\n11.8 Assessments Date to Date\n11.9 Additional Items Date to Date\n\n11.6.1\n11.7.1\n11.8.1\n11.9.1\n\n$\n$\n$\n$\n\nAdjustments for Items Paid by Seller in Advance\nCity/Town Taxes to\nCounty Taxes to\nAssessments to\nAdditional Items to\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1\n12.1.1\n12.1 Deposit\n12.2.1\n12.2 Loan Amount\n12.3 Existing Loan(s) Assumed or Taken Subject to\n12.3.1\n12.4 Proceeds of Subordinate Lien(s) Closing Adjustment Item 12.4.1\n12.5.1\n12.5 Seller Credit\n"}
diff --git a/chunks/json/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.json b/chunks/json/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.json
new file mode 100644
index 0000000000000000000000000000000000000000..a3f6fab8a2835849c145fdff957b0989b09fe3ff
--- /dev/null
+++ b/chunks/json/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1055625,"char_start":1053729,"chunk_id":"chk_992f975718967d12","chunk_index":628,"chunk_sha256":"b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58","token_estimate":474,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE/@HighestBestUseDescripti\non\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nElectricity']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nElectricity']/@_NonPublicIndicator\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nThis field should be populated if field 1-97\n(Highest and Best indicator = 'N') is indicated.\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nIf no electric service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nIf no electric service is present, indicate 'None' in the description field.\n\nThis field should be populated if field 1-93 (Site\nZoning Compliance Type = 'NoZoning') is not\nindicated.\n\nThis field should be populated if field 1-93 (Site\nZoning Compliance Type = 'NoZoning') is not\nindicated.\n\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\nOne and only one of fields 1-91, 1-92, 1-93, 1-\n94 (values of Site Zoning Compliance Type)\nshould be indicated.\n"}
diff --git a/chunks/json/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.json b/chunks/json/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.json
new file mode 100644
index 0000000000000000000000000000000000000000..4a4cbeb999825fe7ee07cf3dd8a2fc46fba54d0c
--- /dev/null
+++ b/chunks/json/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8079,"char_start":6480,"chunk_id":"chk_c0c8789c05fee0d7","chunk_index":4,"chunk_sha256":"b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"image/png\n\nAppraiser's License\n\nAssignmentExhibit\n\n\\\\Images\\SF3_AppraiserLicense.png\n\nimage/png\n\nAgricultural\n\nSiteInfluence\n\n\\\\Images\\SF3_Influence.png\n\nimage/png\n\nPastoral\n\nView\n\n\\\\Images\\SF3_View.png\n\nimage/png\n\nRESNET Score\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF3_RESNETScore.png\n\nimage/png\n\nDOE Score\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF3_DOEScore.png\n\nimage/png\n\nOutbuildingExhibit\n\n\\\\Images\\SF3_ADUFront.png\n\nimage/png\n\nRear View\n\nOutbuildingExhibit\n\n\\\\Images\\SF3_ADUBack.png\n\nimage/png\n\nAbsorptionRateGraph\n\n\\\\Images\\SF3_AbsorptionRate.png\n\nimage/png\n\nMedianDaysOnMarketGraph\n\n\\\\Images\\SF3_MedianDaysOnMarket.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\SF3_PriceTrend.png\n\nimage/png\n\n2019-09-08\n\nPhysical\n\nPhysical\n\n79\n\ntrue\n\n79\n\n799900\n\n825000\n\n2019-09-08\n\nXYZ 0387300\n\n2019-06-20\n\nPending\n\nMLS\n\n58.712133\n\n-87.784970\n\nRoute 7 to the north, Route 611 to the east and Route 50 to the south and west\n\n12\n\nLimiting factors of the market search include a Lot Size between 10 and 20 acres with a property containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 bedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning that allows agricultural and residential use.\n\n15\n\n875000\n\n599900\n\n125\n\n810000\n\nActiveListings\n\n3\n\nPendingSales\n\n34\n\n949999\n\n599900\n\n810000\n\nTotalSales\n\nThreeToSixMonths\n\nInBalance\n\nfalse\n\nNeighborhood\n\nUnreal Farms-2 S.2 PCL.234200121102003 Z-495-2\n\n14.19\n\nLandWithDwelling\n"}
diff --git a/chunks/json/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.json b/chunks/json/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.json
new file mode 100644
index 0000000000000000000000000000000000000000..04c47b4ff15b79ec94ba4de18f07d92564a2ab2f
--- /dev/null
+++ b/chunks/json/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":55376,"char_start":53515,"chunk_id":"chk_ccc9b9a793d02d45","chunk_index":36,"chunk_sha256":"b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"<ASSET SequenceNumber=\"8\" xlink:label=\"ASSET_8\">\n\n:<LIABILITY SequenceNumber=\"1\" xlink:label=\"LIABILITY_1\">\n\n:<RELATIONSHIP SequenceNumber=\"9\" xlink:from=\"ASSET_8\" xlink:to=\"LIABILITY_1\"\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY\"/>\n\nExample 4 Example of attribute use in XML\n\nRefer to the ULAD Data Relationships using Xlink and MISMO ArcRoles Document and the ULAD\nArcRoles tab in the ULAD Mapping document for more information on how to associate an Owned\nProperty to a Liability.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n25\n\nSection 4: Loan and Property Information\nThis section is used to gather information on the loan and the subject property. The borrower is required\nto provide information on the purpose of the loan, the state where the property is located, the property’s\nnumber of units, and the intended occupancy.\n\n4a. Loan and Property Information\n\nBorrowers will indicate the loan amount requested and purpose of the loan, which could be either Purchase\nor Refinance. There are three types of occupancy on the URLA: (1) Primary Residence, (2) Second Home,\nand (3) Investment. The FHA Secondary Residence is used in addition to these values. The three values\nfor the occupancy in the DU Spec are enumerated under the PropertyUsageType; however, if occupancy\nwill be FHA Secondary Residence, set the PropertyUsageType=”PrimaryResidence” and use the\nFHASecondaryResidenceIndicator\n\n4b. Other New Mortgage Loans on the Property You are Buying or Refinancing\n\nBorrowers applying for additional loans secured by the subject property must provide the creditor’s\ninformation and type of lien(s) associated. For example, if the borrower is obtaining a new second mortgage\nat the same time they are obtaining the first subject mortgage, the information will be entered in this section.\n"}
diff --git a/chunks/json/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.json b/chunks/json/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a4e69f2e7df93153958a30513489a78160c5638
--- /dev/null
+++ b/chunks/json/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1738,"char_start":0,"chunk_id":"chk_174b2a5f087a95e2","chunk_index":0,"chunk_sha256":"b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8a75c4200dbccd53","text_sha256":"b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Annual_Report_to_Congress___U_S__FEDERAL_HOUSING_5kmm5t.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/annual-report-to-congress\"\ndate_accessed: \"2026-01-27T17:47:57.749Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.json b/chunks/json/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b96d89f4776c0688df970bf6cbd668cfd51a1e2
--- /dev/null
+++ b/chunks/json/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":354138,"char_start":352534,"chunk_id":"chk_56cbdfd73ede63de","chunk_index":209,"chunk_sha256":"b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The ceiling heights do not meet the typical market standards, and / or impact the livability of the dwelling.\n\nThe floor plan does not meet the typical market standards, and / or impacts the livability of the dwelling.\n\nThe improvements significantly differ from other properties in the surrounding area (e.g., age, style, size, use).\n\nA component or characteristic that is not fully valued by the market due to exceeding typical expectations in comparison\nto other properties, so as to create diminishing return on improvements.\n\nUnderimprovement\n\nA component or characteristic that does not rise to the level of typical expectations as compared to other properties, so as\nto create diminishing return on improvements.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nFunctional Obsolescence Exhibits\n\nAll photos or images related to the Functional Obsolescence section are displayed in the Functional\nObsolescence Exhibits subsection. If there are no photos or images, this subsection does not display.\n\nFunctional Obsolescence Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIf applicable\n\nPhotos or images\n\nFunctional\nObsolescence\nExhibits\n\nPhotos or images relevant to the Functional Obsolescence section may be\nprovided, which display in Functional Obsolescence Exhibits. If the photo or\nimage is not specifically indicated above, provide caption to further identify the\nphoto or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 149 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"}
diff --git a/chunks/json/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.json b/chunks/json/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.json
new file mode 100644
index 0000000000000000000000000000000000000000..c3bda53184dc35bfeefc12d0144edf7341c68823
--- /dev/null
+++ b/chunks/json/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":251823,"char_start":250214,"chunk_id":"chk_e295ecd9ba92f47e","chunk_index":131,"chunk_sha256":"b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Loan Costs\n\n7.0\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\n7.1 A. Origination Charges\n\n7.1.1 $1,802.00\n\n01 7.2.1 0.25% of Loan Amount 7.2 (Points)\n\n7.2.2\n\n$405.00 7.2.3\n\n02 7.3 Loan Originator Compensation 7.3.1to TPO, Ltd. 7.3.2\n\n7.3.3\n\n7.2.4\n\n7.3.4\n\n7.2.5\n\n7.3.5\n\nPaid by\nOthers\n\n7.2.6\n\n7.3.6 (L)\n$1,215.00\n\n03\n\nBorrower Application Fee\n\n04 Underwriting Fee\n\n$300.00\n\n$1,097.00\n\nFigure 77. Loan Costs Table – Origination Charge Line Items\n\n7. 2 LOAN DI SCOUNT POI NTS UPDATED\n\n7.2.1 “___% of Loan Amount 7.2 (Points)” must always be present in the Loan Costs table as the first itemized\nfee. This is a break from the general pattern for disclosing line items. If there are no loan discount points in the\ntransaction, “0” must be disclosed. When loan discount points are included in the transaction, both the\npercentage of the Loan Amount and the calculated dollar amount must be disclosed.\n\nFor example: The preceding figure illustrates that the borrower paid 0.25 percent of the loan amount in points\n(which was calculated to be $405) at closing (7.2.2).\n\nWhen discount points are paid as part of the transaction, up to three8 additional GSE-Specific data points in\nsupport of ATR/QM must also be provided:\n\n1. Regulation Z Excluded Bona Fide Discount Points Indicator is required. If “true”:\n\na. Regulation Z Excluded Bona Fide Discount Points Percent and\n\nb. Loan Price Quote Interest Rate Percent must also be included in the UCD XML file.\n\n8 The GSEs no longer require RegulationZPointsAndFeesIndicator with discount points. It has been removed from Table 95.\n"}
diff --git a/chunks/json/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.json b/chunks/json/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.json
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index 0000000000000000000000000000000000000000..4fe8117f89fc234741096d6902de97c56097083e
--- /dev/null
+++ b/chunks/json/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7529,"char_start":6784,"chunk_id":"chk_08e45a168cdb1445","chunk_index":4,"chunk_sha256":"b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e3d94901b655c7c","text_sha256":"b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a","token_estimate":202,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae4.md"]},"text":"[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf)\n\n##### Partner Playbook\n\nDesigned to help industry partners prepare for the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)\n\n##### Servicer Preparedness\n\nPrepares servicers for the transition for UAD 3.6.\n\n[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)\n\n##### Inspection and Reporting Tips\n\nAppraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6\n\n[Learn more **](/media/43946/display)\n\n- 1\n- 2\n- 3\n- 4\n- 5\n- 6\n- 7\n- 8\n- 9\n- 10\n- 11\n- 12\n- 13\n\n**\n\n**\n"}
diff --git a/chunks/json/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.json b/chunks/json/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.json
new file mode 100644
index 0000000000000000000000000000000000000000..575f059d059cb0df0f4feaa750d1fd49ed867bd2
--- /dev/null
+++ b/chunks/json/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":272577,"char_start":270934,"chunk_id":"chk_9282b2785c820ea0","chunk_index":144,"chunk_sha256":"b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n8.1.1 E. Taxes and Other\nGovernment Fees –\nBorrower-Paid ($)\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SEC\nTION_SUMMARY_DE\nTAIL\n\nIntegratedDisclosure\nSectionTotalAmount\n\n985.00\n\n8.1\n\nE. Taxes and Other\nGovernment Fees\n\nIntegratedDisclosure\nSectionType\n\nTaxesAndOtherGover\nnmentFees\n\nProvide a value of\n“0.00” if there are no\ncharges for this\ncategory\nROF as “$985.00”\n\nROF as “E. Taxes and\nOther Government\nFees”\n\nSecond Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\nAppendix E: UCD Implementation Guide\n\nPage 124 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nTable 98. Other Costs Table Category and Subcategory Data\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n8.4.1 F. Prepaids –\n\nBorrower-Paid ($)\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SEC\nTION_SUMMARY_DE\nTAIL\n\nIntegratedDisclosure\nSectionTotalAmount\n\n1598.00\n\nProvide a value of\n“0.00” if there are no\ncharges for this\ncategory\nROF as “$1,598.00”\n\n8.4\n\nF. Prepaids\n\nIntegratedDisclosure\nSectionType\n\nPrepaids\n\nROF as “F. Prepaids”\n\nThird Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n8.10.1\n\nG. Initial Escrow\nPayment at Closing –\nBorrower-Paid ($)\n\n8.10\n\nG. Initial Escrow\nPayment at Closing\n\n…/INTEGRATED_DISC\nLOSURE_SECTION_S\nUMMARY/INTEGRAT\nED_DISCLOSURE_SEC\nTION_SUMMARY_DE\nTAIL\n\nIntegratedDisclosure\nSectionTotalAmount\n\n619.65\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\nFourth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n"}
diff --git a/chunks/json/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.json b/chunks/json/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.json
new file mode 100644
index 0000000000000000000000000000000000000000..6ccd14e12781206f8daf195f868d6d6e76a8de37
--- /dev/null
+++ b/chunks/json/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":63746,"char_start":62137,"chunk_id":"chk_4f6a4adfef1a2eec","chunk_index":37,"chunk_sha256":"b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"• 1004/70\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nAdditionally, the appraiser must provide the\nDOM for each comparable sale for the latest\ntime period that the property was listed or\nadvertised for sale. DOM is defined as the total\nnumber of continuous days from the date that\na property is listed or advertised for sale until\nthe date that it is taken off the market or sold.\nDOM applies not only to properties that are\nlisted in the MLS, but also applies to\nproperties marketed for sale outside MLS. If\nthe comparable property was not individually\nlisted or advertised for sale, enter the numeral\nzero (0). If the DOM is unknown, enter ‘Unk’.\nThe appraiser may report any other relevant\ninformation regarding the length of time that a\nproperty was offered for sale, including\ncumulative days on market elsewhere in the\nappraisal report.\n\nReporting Format:\nData Source(s) – Abbreviated MLS#Listing\nIdentifier or Text DOM – Numeric to 4 digits,\nwhole numbers only\nThe PDF creator will automatically insert a\nsemicolon to separate the data values and\nprint the letters ‘DOM’ prior to the response.\n\nExamples: MRIS#AA123456789;DOM 220\n\nMRIS#BB123456789;DOM Unk\n\nPage 35 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n"}
diff --git a/chunks/json/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.json b/chunks/json/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.json
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index 0000000000000000000000000000000000000000..bda1df3601179ec7174eb95218c674569ec63272
--- /dev/null
+++ b/chunks/json/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":220386,"char_start":218524,"chunk_id":"chk_68582c7e7ed82e6c","chunk_index":127,"chunk_sha256":"b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal\nreport.\n\n7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in\nappraising this type of property in this market area.\n\n8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax\nassessment records, public land records, and other such data sources for the area in which the property is located.\n\n9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources\nthat I believe to be true and correct.\n\n10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of\nthe improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known\nphysical deficiencies that could affect the soundness or structural integrity of the property.\n\n11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was transmitted.\n\n12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for\nsale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and\nthe prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.\n"}
diff --git a/chunks/json/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.json b/chunks/json/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.json
new file mode 100644
index 0000000000000000000000000000000000000000..9772720e984909cebeeb3af3266ba7b1ec0adbb6
--- /dev/null
+++ b/chunks/json/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":37363,"char_start":35756,"chunk_id":"chk_2ba18eecc2a9063e","chunk_index":22,"chunk_sha256":"b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Furnished\n\n[Unit\nIdentifier]\n\nTXC-B\n\nDescription of Rent Control and Impact to Value/Marketability\n\nH2-1\n\nActual Income (Monthly)\n\nH2-1\n\nOpinion of Market Income (Monthly)\n\nTCH\nTB-I\nTB-B\n\nTCH\nTB-I\nTB-B\n\nRent\n\n[Unit Identifier]\n\nSubtotal\n\nOther Real Property Rental Income\n\nSubtotal\n\nTB_sub-H1-R\n\nTotal\n\nH1\n\nComparable Rental Properties\n\nTCH\nTB-I\nTB-B\n\nTCH\nTB-I\nTB-B\n\nRent\n\n[Unit Identifier]\n\nSubtotal\n\nOther Real Property Rental Income\n\nSubtotal\n\nTB_sub-H1-R\n\nTotal\n\nTB-B\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nData Source:\n\nData Source:\n\nData Source:\n\nData Source:\n\nData Source:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nH1\n\nComparable Rental Analysis\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nTCH\n\nTCH\nTB\n\nProximity to Subject\n\nNeighborhood Name\n\nProject Name\n\nProject Common\nAmenities/Services\n\nSite Influence\n\nView from Unit\n\nFloor Number\n\nSite Size\n\nGrade Level\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nVehicle Storage | Spaces\n"}
diff --git a/chunks/json/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.json b/chunks/json/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.json
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index 0000000000000000000000000000000000000000..63a3e3e4768c2d747239fc33e89583cfab524c2e
--- /dev/null
+++ b/chunks/json/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18032,"char_start":16430,"chunk_id":"chk_b6727cfd79228c54","chunk_index":10,"chunk_sha256":"b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 13 of 30\nPage 13 of 30\n\nOutbuilding - Barn\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n0\n800 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n \n \n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\n\nFinish\nFinished\n\nUnfinished\n\nTotal Area\n0 Sq. Ft.\n\n800 Sq. Ft.\n\nRoom Summary\n\nNone\n\nApparent Defects, Damages, Deficiencies (Barn)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nExterior Walls and\nTrim\n\nLocation\nEntire Exterior\n\nDescription\nThe overall structure is showing deterioration;\nmajor issues include holes in the wall of the\nbuilding.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nOutbuilding Commentary\n\nThis structure is an existing older barn.\n\nOutbuilding Exhibits\n\nApparent Defects, Damages, Deficiencies -\nExterior Walls and Trim\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 30\n\nOutbuilding - Rec Room/Garage\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n0\n900 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n \n \n\nElectricity\n\nApparent Defects, Damages, Deficiencies (Rec Room/Garage)\n\nNone\n\nOutbuilding Commentary\n"}
diff --git a/chunks/json/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.json b/chunks/json/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.json
new file mode 100644
index 0000000000000000000000000000000000000000..3ec380643dfc778361d87cdedae93ddd7c8bad3a
--- /dev/null
+++ b/chunks/json/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13207,"char_start":11608,"chunk_id":"chk_22a59ee05c52ceb7","chunk_index":7,"chunk_sha256":"b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"880000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nPurchase\n\nSite\n\nLot size is typical to the area.\n\nSiteInfluences\n\nWhile subject does not have a direct view of I270, roadway noise can be heard throughout the subject neighborhood.\n\nProject\n\nProject amenities are typical to the market.\n\nEnergyEfficientAndGreenFeatures\n\nAdditional Commentary can be added here, if needed by Appraiser\n\nSalesContract\n\nThe subject's sales contract was analyzed with no seller concessions reported.\n\nSubjectListing\n\nThe subject is currently under contract for $866,000. Days on market appears to be typical for the area.\n\nOverallQualityAndCondition\n\nThe subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear and tear. Possible termite infestation noted.\n\nSubjectPriorSalesAndTransferHistory\n\nSale from builder to current owner.\n\nComparablesPriorSalesAndTransferHistory\n\nComparables #1 and #4 are the only properties that have had a transfer within the past two years.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nSubjectToRepair\n\nSubjectToInspection\n\n2019-08-07\n\n90\n\n30\n\nReasonableExposureTime\n\n880000\n\nC4\n\nfalse\n\nLN1265431\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.1\n\nNowhere Technologies\n\nABC Mortgage Company\n\n456 Somewhere Ave\n\nSometown\n\n55555\n\nNV\n\nLender\n\nClient\n\nZYX Appraisal Management Company\n\n123 Main St\n\nSomecity\n\n40121\n\nIA\n\n2020-12-15\n\n222222\n\nMD\n\nManagementCompany\n"}
diff --git a/chunks/json/b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a.json b/chunks/json/b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a.json
new file mode 100644
index 0000000000000000000000000000000000000000..45728cccc6bbc6bd184db8b6d0e4e5b2f8d4d886
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+{"chunk":{"char_end":19347,"char_start":17540,"chunk_id":"chk_61ceb5effb333098","chunk_index":9,"chunk_sha256":"b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"## 6. What are Your Rights under the Privacy Act of 1974?\n\nUnder the [Privacy Act of 1974](http://www.justice.gov/opcl/privstat.htm), federal agencies must not disclose any “record” which is contained in a “system of records” to any person, or to another agency, except at the written request of, or with the prior written consent of, the person to whom the record relates. There are exceptions for certain disclosures within the Government and disclosures required by statute.\n\nA “record” is any item, collection, or grouping of information about a person that an agency maintains and that contains the person's name, or some other identifying number, symbol, or feature assigned to the person by the agency (*e.g.*, a fingerprint or a photograph).\n\nA “system of records” means a group of “records” under the control of an agency from which the agency retrieves information by a person’s name or by the identifying number, symbol, or feature that the agency has assigned to the person. Because of this retrieval requirement, not all personal information collected online is covered by the Privacy Act.\n\nOther major provisions of the Privacy Act require the FHFA to:\n\n- Publish a system of records notice in the Federal Register explaining the existence, character, and uses of any new or revised system of records ([click here to access FHFA's Systems of Records Notices](https://www.fhfa.gov/about/privacy/systems-of-records-notices));\n- Maintain in its records only information about you that is relevant and necessary to accomplish a purpose of the agency required by law;\n- Keep information about you accurate, relevant, timely, and complete to assure fairness in dealing with you; and\n- Allow you, upon request, to access, review, and request amendment of your information held in a system of records.\n"}
diff --git a/chunks/json/b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120.json b/chunks/json/b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120.json
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+{"chunk":{"char_end":358368,"char_start":356732,"chunk_id":"chk_51605948ff70c24e","chunk_index":198,"chunk_sha256":"b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"0911.7 County Taxes __ to __\n\n1011.8 Assessments __ to __\n\n1111.9 HOA Dues 4/15/14 to 4/30/14\n13\n\n11.3.1\n\n11.4.1\n\n11.5.1\n\n$10,167.30\n\n$2,000.00\n\n$100.00\n\n$50.00\n\n11.6.1\n\n11.7.1\n\n11.8.1\n\n11.9.1\n\n$30.00\n\nFigure 91. Due from Borrower at Closing\n\nThe data points used to provide the Section K heading (11.0) and subtotal (11.0.1) are shown in the table below.\nINTEGRATED_ DISCLOSURE_SECTION_SUMMARY and INTEGRATED_DISCLOSURE_SECTION_SUMMARY DETAIL\nhold totals for sections (K and L) and subsections (bold headings within each section).\n\nTable 106. Due from Borrower at Closing\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\n11.0.1 K. Due from\n\nBorrower at Closing\n($)\n\n11.0\n\nK. Due from\nBorrower at Closing\n\n…/INTEGRATED_DIS\nCLOSURE_SECTION\n_SUMMARY_DETAI\nL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n252347.30\n\nIntegratedDisclosur\neSectionType\n\nDueFromBorrower\nAtClosing\n\nNotes\n\nROF as\n“$252,347.30”\n\nROF as “K. Due\nfrom Borrower at\nClosing”\n\n11. 1 | 11. 2 SALE PRI CE OF PROPER TY | SALE PRI CE OF ANY PERSONAL PROPERTY I NCLUDED\n\n1. CONTRACT EI THER DOES NOT I NCLUDE OR DOES NOT I TEMI Z E PERSONAL PROPERTY\n\nAs shown in Figure 91, when the sales contract is for real property only and does not include personal property,\nor when the sales contract does include personal property but personal property is not itemized separately in\n\nAppendix E: UCD Implementation Guide\n\nPage 164 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 K. Due from Borrower at Closing\n\nthe sales contract, no value is provided for 11.2. The data points used to provide this information are shown in\nthe table below.\n"}
diff --git a/chunks/json/b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd.json b/chunks/json/b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd.json
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+{"chunk":{"char_end":20641,"char_start":18769,"chunk_id":"chk_a93eac259abbf4ff","chunk_index":17,"chunk_sha256":"b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd","token_estimate":468,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"• Front Cover\n• Revision History\n• Read Me\n• Tab Description\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n8\n\n• Column Description\n• DU Map Update – Highlights changes since the previous published version.\n• DU Map – contains Data Points with Definitions, Parent Containers, XPATHs, Enumerations,\nAttributes, etc. Note: All Data Points have a Unique Identifier that will help the reader with\nmapping the spec to the redesigned Form 1003, when necessary.\n\n• DU Enumerations – Includes the allowable values that are supported by DU and the enumeration\ndefinition provided by MISMO. Note: All DU Spec enumerations are linked to the Map tab through\nthe Unique Identifier. When an enumeration does not exist in the MISMO 3.4 reference model,\nand the enumeration “Other” is a valid enumeration Fannie Mae will allow the use of free-form\ntext data. The lender should include the free-form text in the TypeOtherDescription data points.\n• Cardinality – Defines the minimum and maximum number of times that containers can repeat in\n\nDU.\n\n• ArcRoles – List of supported Xlinks (ArcRoles) required by DU to relate data (e.g., liability to an\nasset) or associate information that appears multiple times (i.e. relate the income types of a\nborrower who has multiple current employments).\n\n• DU Removals – List of current DU data points and EDI codes that will no longer be supported in\n\nthe DU Spec.\n\nThe DU Map Tab\nThe DU Map Tab is the core of the DU Spec. The columns are grouped under section headings to make it\neasier for lenders and technology solution providers to understand the data mapping. Refer to Figure 3\nwhich illustrates the sections and columns. The following sections describe how each group of columns\ncan be used to help you understand the DU Spec. The last columns and how it maps to the redesigned\nForm 1003 and previous DU specifications.\n"}
diff --git a/chunks/json/b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1.json b/chunks/json/b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1.json
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+{"chunk":{"char_end":31999,"char_start":31045,"chunk_id":"chk_79e302836140f8a0","chunk_index":33,"chunk_sha256":"b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1","token_estimate":410,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:19)\n\n(cid:25)\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95) (cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:26)(cid:17)(cid:21)\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n(cid:133) (cid:133)\n(cid:133) (cid:133)\n\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:19)(cid:27)\n\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:28)\n\n(cid:20)(cid:21)(cid:17)(cid:19)\n\n(cid:20)(cid:19)\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\n\n(cid:20)(cid:21)\n\n(cid:17)(cid:19)(cid:20)(cid:23)\n\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)\n\n(cid:25)\n\nDetail\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)\n(cid:24)\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\n\nFinish\nFinished\n\nUnfinished\n\nTotal Area\n\nRoom Summary\n\n(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)(cid:20)\n"}
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diff --git a/chunks/json/b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0.json b/chunks/json/b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0.json
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+{"chunk":{"char_end":84156,"char_start":82006,"chunk_id":"chk_19cc3df59667a33c","chunk_index":51,"chunk_sha256":"b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0","token_estimate":537,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n51\n\nData PointsContainersLegend:L2. Title InformationDEALPARTYCOLLATERALSPARTIESPartyRoleTypeROLESROLETRUSTPROPERTY_OWNERCOLLATERALSUBJECT_PROPERTYPROPERTY_DETAILPropertyEstateTypePropertyGroundLeaseExpirationDateNativeAmericanLandsTypeNativeAmericanLandsTypeOtherDescriptionINDIVIDUALNAMEROLE_DETAILTrustClassificationTypeFullNamePropertyOwnerStatusTypeRelationshipVestingTypeRelationshipVestingTypeOtherDescriptionLEGAL_ENTITYLEGAL_ENTITY_DETAILFullName\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n52\n\nData PointsContainersLegend:L3. Mortgage Loan InformationLOANTERMS_OF_LOANMortgageTypeNoteRatePercentLienPriorityTypeDisclosedIndexRatePercentQUALIFICATIONMI_DATAMI_DATA_DETAILMATURITYNEGATIVE_AMORTIZATIONNEGATIVE_AMORTIZATION_RULELOAN_PRODUCTNegativeAmortizationTypeProductDescriptionMATURITY_RULELOAN_PRODUCT_DETAILLOAN_DETAILINVESTOR_LOAN_INFORMATIONINTEREST_ONLYQualifyingRatePercentMICoveragePercentLoanMaturityPeriodCountLoanMaturityPeriodTypeInitialFixedPeriodEffectiveMonthsCountBalloonIndicatorInterestOnlyIndicatorNegativeAmortizationIndicatorPrepaymentPenaltyIndicatorBuydownTemporarySubsidyFundingIndicatorInvestorProductPlanIdentifierInterestOnlyTermMonthsCount\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n53\n\nData PointsContainersL3. Mortgage Loan InformationLOANAMORTIZATIONHMDA_LOANHMDARateSpreadPercentHMDA_HOEPALoanStatusIndicatorHOUSING_EXPENSEAFFORDABLE_LENDINGBUYDOWNHOUSING_EXPENSESGOVERNMENT_LOANBUYDOWN_OCCURRENCESBUYDOWN_OCCURRENCEAMORTIZATION_RULEHousingExpenseTimingTypeHousingExpenseTypeHousingExpensePaymentAmountCommunitySecondsRepaymentTypeHUDIncomeLimitAdjustmentPercentCommunityLendingProductTypeBuydownInitialEffectiveInterestRatePercentLoanAmortizationPeriodTypeLoanAmortizationPeriodCountAmortizationTypeAmortizationTypeOtherDescriptionGovernmentMortgageCreditCertificateAmountSectionOfActTypeVAMaintenanceExpenseMonthlyAmountVAUtilityExpenseMonthlyAmountVAEntitlementAmountHMDA_LOAN_DETAILPREPAYMENT_PENALTYPREPAYMENT_PENALTY_LIFETIME_RULEPrepaymentPenaltyExpirationMonthsCountContinued\n"}
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+{"chunk":{"char_end":323868,"char_start":322232,"chunk_id":"chk_d1c1a1f6a2c4ce79","chunk_index":191,"chunk_sha256":"b9c2ccd57e27ca37166e4ab14f9be9d23c83fb90ccb1881b02ae26bbad56ddd1","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b9c2ccd57e27ca37166e4ab14f9be9d23c83fb90ccb1881b02ae26bbad56ddd1","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"10.037 Room\n\n10.038 Update Status\n\n10.039 Time Frame\n\nRequired for each\nkitchen and bathroom\nin the unit\n\nRequired for each\nkitchen and bathroom\nin the unit\n\nLevel 1, Level 2,\nLevel 3 …\nLevel B1, Level B2\n…\n\nChoose an\nallowable answer\nfrom table (Room\nUpdate Status)\n\nRequired for each\nkitchen and bathroom\nin the unit when Room\nUpdate Status is Fully\nUpdated or Partially\nUpdated\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\n10.040 Quality\n\nComment\n\nFree-form\n\nIf needed to describe\nthe current quality of\neach kitchen and\nbathroom in the unit\n\nLevel In Unit: The level in the living unit where the room is located.\nNote: Redisplays from the Level and Room Detail table (10.029).\n\nRoom Update Status: The degree to which the room has been updated.\n•\n•\n•\n\nFully Updated\nPartially Updated\nNot Updated\n\nLess than 1 year\n1-5 Years (1 or more years, and less than 5 years)\n5-10 Years (5 or more years, and less than 10 years)\n10 or more years\n\nThe estimated range of years when the room was updated.\n•\n•\n•\n•\nNote: If there are varying degrees of updating within the room, choose the age\nof the update that has the most impact to value and marketability.\n\nA brief description of the quality of the kitchen or bathroom as of the effective\ndate. For further expansion of commentary, use Unit Interior Commentary\n(10.061).\n\nAppendix F-1: URAR Reference Guide\n\nPage 136 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior: Kitchen and Bathroom Details\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.041 Condition Status Always required for\n\neach kitchen and\nbathroom in the unit\n"}
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+{"chunk":{"char_end":10164,"char_start":8599,"chunk_id":"chk_88fcfe25afb21aa7","chunk_index":5,"chunk_sha256":"b9caa223e6aed3c61d0b4b3a5ba370468be8b875657f5a292989c55c98524a44","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_25221ac256a1087f","text_sha256":"b9caa223e6aed3c61d0b4b3a5ba370468be8b875657f5a292989c55c98524a44","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Partner_Agency_Engagements___FHFA_l7pmkm.md"]},"text":"Date: November 1, 2023, 10 AM ET​\n\nHybrid Format - hearing will be held in person and [streamed online​](https://lnkd.in/ghur2jgv).\n\nLocation: U.S. Department of Housing and Urban Development Headquarters located at 451 7th Street, SW, Washington, D.C. 20410.\n\nMore information is available on Federal Financial Institutions Examination Council's [Appraisal Subcommittee Website.​](https://www.asc.gov/about)\n\n## January 24, 2023\n\n**​FFIEC's (Federal Financial Institutions Examination Council's) Appraisal Subcommittee Hearing on Appraisal Bias**\n\n[Save the Date](https://www.consumerfinance.gov/about-us/events/appraisal-subcommittee-hearing-on-appraisal-bias/) - January 24, 2023, 10 AM EST​\n\n[Register (here) for the upcoming ASC Hearing now](https://surveys.consumerfinance.gov/jfe/form/SV_cJfO3aqRAMRNDym).\n\nHybrid Format - hearing will be held in person and streamed online.\n\nLocation: In person hearing will take place at Consumer Financial Protection Bureau Headquarters located at 1700 G Street, NW, Washington, D.C., 20552.\n\nMore information is available on the [CFPB.gov​](https://www.consumerfinance.gov/about-us/events/appraisal-subcommittee-hearing-on-appraisal-bias/) (Consumer Financial Protection Bureau) event page. Check back periodically for updates.\n\n*​Date Updated: October 26, 2023.*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/b9ceb660445fbb949424ca14f3a2ed88c8c2f3e361c81f5f9dfd34ed59aa3f26.json b/chunks/json/b9ceb660445fbb949424ca14f3a2ed88c8c2f3e361c81f5f9dfd34ed59aa3f26.json
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diff --git a/chunks/json/b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b.json b/chunks/json/b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b.json
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+{"chunk":{"char_end":620898,"char_start":619275,"chunk_id":"chk_2b6c34fcc59812ed","chunk_index":369,"chunk_sha256":"b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Cooling System Type is\nnot reported for\ncomparables\n\n22.14.11\n22.14.25\n\nUtilities\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nguidance column\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n22.14.13\n22.14.26\n\nAdditional\ndata element\ndisplays as the\nReport Label\n22.14.12\n\nSummary\n\nNo\n\nNo\n\nNo\n\nNo\n\nOutbuilding\n•\n\nCooling System\nExists 12.009\n12.016\n\nOutbuilding\n•\n\nCooling System\nType 12.016 If the\noutbuilding\ncontains ADU(s)\n\nOutbuilding\n•\n\nUtilities 12.010\n\nAdditional Row does not\npopulate from\nOutbuilding; the\nappraiser must enter\ninformation for the\nsubject property\n\nCooling System Exists: Indicates whether there is permanent cooling in\nthe structure.\n•\n\nIf No, “None” displays.\n\n•\n•\n•\n\nCentralized\nIndividual\nOther (Describe)\n\nNone\nElectricity\nGas\nSanitary Sewer\n\nThe utilities that have been extended to the outbuilding.\n•\n•\n•\n•\n• Water\n•\n\nOther (Describe)\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the outbuilding is needed that is not predefined.\n\nNote: Only put one data element in each row and add additional rows as\nneeded for other data elements.\n\nThe Summary subsection always displays on the sales comparison grid.\n\nAppendix F-1: URAR Reference Guide\n\nPage 272 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n"}
diff --git a/chunks/json/b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde.json b/chunks/json/b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde.json
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+{"chunk":{"char_end":74768,"char_start":73040,"chunk_id":"chk_6d34e4c8faa0c4b3","chunk_index":43,"chunk_sha256":"b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"View\nThe appraiser must provide one of the ratings\nfrom the list below to describe the overall\neffect on value and marketability of the view\nfactors associated with the subject property\n\nABBREVIA\nTED ENTRY\n\nN\n\nB\n\nA\n\nOVERALL\nVIEW\nRATING\n\nNeutral\n\nBeneficial\n\nAdverse\n\nThe appraiser must also provide at least one,\nbut not more than two, view factor(s) from the\nlist below to provide details about the overall\nview rating selected above.\n\nWtr\n\nPstrl\nWoods\n\nPrk\n\nGlfvw\nCtySky\n\nMtn\n\nRes\nCtyStr\n\nInd\n\nPwrLn\nLtdSght\n\nSee\nInstructions\nBelow\n\nWater View\n\nPastoral View\nWoods View\n\nPark View\n\nGolf Course\nView\nCity Street\nView\n\nMountain\nView\n\nResidential\nView\nCity Street\nView\n\nIndustrial\nView\n\nPower Lines\nLimited Sight\n\nOther –\nAppraiser to\nenter a\ndescription of\nthe view *\n\n*Other: If a view factor not on this list\nmaterially affects the value of the subject\nproperty, the appraiser must enter a\ndescription of the view associated with the\nproperty (see second example below). The\ndescription entered must allow a reader of the\nappraisal report to understand what the view\n\nPage 42 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nassociated with the property actually is.\nDescriptors such as ‘None’, ‘N/A’, ‘Typical’,\n‘Average’, etc., are unacceptable.\nDescriptions should be entered carefully\nbecause the same text will be represented in\nboth the Site section and the comparable\nsales grid for the subject property. The text\nmust fit in the allowable space.\n"}
diff --git a/chunks/json/ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08.json b/chunks/json/ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08.json
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+{"chunk":{"char_end":670588,"char_start":668978,"chunk_id":"chk_6c940cac05933789","chunk_index":399,"chunk_sha256":"ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 299 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nRental Information: Comparable Rental Analysis - Summary\n\nNo\n\nMonthly Market Rent for Unit: The monthly dollar amount that is\nexpected to be received as rental income at full market price for the\nsingle living unit.\n\nFor the subject property, this information displays in the following\nsubsections of Rental Information:\n•\n•\n\nRent Schedule – Opinion of Market Income (Monthly) 23.01.20\nComparable Rental Analysis Summary 23.03.23\n\nNo\n\nThe relative emphasis given to the comparable unit by the appraiser in\ndetermining the market rent for the subject unit.\n\nExamples of scenarios with 3 comparables:\n•\n\nThe appraiser relied primarily on 2 comparable units that were\ngiven equal consideration and included a third comparable as\nsupporting the data. Select Most, Most, and Less.\nThe appraiser relied primarily on 1 comparable unit that was given\nmost consideration, and included 2 comparable units that were\nconsidered to be representative but less relevant than the primary\ncomparable. Select Most, Less, and Less.\nAll comparable units were equally considered good market\nindicators. Select Most, Most, and Most.\n\n23.03.23 Opinion of\n\nAlways\n\nMarket Rent\n\nOpinion of Market\nRent is not reported\nfor comparables\n\nDollar amount\n\nRental Information\n• Monthly Market\nRent for Unit\n23.01.20\n"}
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+{"chunk":{"char_end":26801,"char_start":25749,"chunk_id":"chk_7463851b27ecb5bc","chunk_index":27,"chunk_sha256":"ba684742e53592815800859214b38b7a98371872c318ebb1a7132fc1cf9f0d43","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"ba684742e53592815800859214b38b7a98371872c318ebb1a7132fc1cf9f0d43","token_estimate":437,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:28)(cid:17)(cid:19)(cid:20)(cid:21)\n\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:22)\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:23)\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:24)\n\nLabel Present for All Sections\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:25)\n\nHUD Certification Number\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)\n\nManufactured Home Certification Program\n\nCertification\n\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)\n\nInvoice Information\n\nPurchased from Retailer\nRetailer Name\n\nIdentifier\n(cid:28)(cid:17)(cid:19)(cid:20)(cid:28)\n\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:19)\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:20)\n\nCommentary on Why Invoice(s) Not Reasonable (cid:28)(cid:17)(cid:19)(cid:21)(cid:24)\n\nManufactured Home Commentary\n\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:25)\n\nManufactured Home Exhibits\n\nRetailer’s Invoice Reviewed\nManufacturer’s Invoice Reviewed\nInvoice(s) Appear Reasonable\n\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:21)\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:22)\n(cid:28)(cid:17)(cid:19)(cid:21)(cid:23)\n"}
diff --git a/chunks/json/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.json b/chunks/json/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.json
new file mode 100644
index 0000000000000000000000000000000000000000..dc0507901b5fcee08b2756fe09364a6a5e73fe65
--- /dev/null
+++ b/chunks/json/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25440,"char_start":23107,"chunk_id":"chk_dc2fe07c558975a0","chunk_index":14,"chunk_sha256":"ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959","token_estimate":583,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"- [Investor jobs](https://www.linkedin.com/jobs/investor-jobs?trk=organization_guest_linkster_link)\n - [Advisor jobs](https://www.linkedin.com/jobs/advisor-jobs?trk=organization_guest_linkster_link)\n - [Bookkeeper jobs](https://www.linkedin.com/jobs/bookkeeper-jobs?trk=organization_guest_linkster_link)\n - [Operator jobs](https://www.linkedin.com/jobs/operator-jobs?trk=organization_guest_linkster_link)\n - [Financial Economist jobs](https://www.linkedin.com/jobs/financial-economist-jobs?trk=organization_guest_linkster_link)\n - [Principal Director jobs](https://www.linkedin.com/jobs/principal-director-jobs?trk=organization_guest_linkster_link)\n - [Health Economist jobs](https://www.linkedin.com/jobs/health-economist-jobs?trk=organization_guest_linkster_link)\n - [Vice President Corporate Development jobs](https://www.linkedin.com/jobs/vice-president-corporate-development-jobs?trk=organization_guest_linkster_link)\n - [Director Corporate Development jobs](https://www.linkedin.com/jobs/director-corporate-development-jobs?trk=organization_guest_linkster_link)\n - [Economist jobs](https://www.linkedin.com/jobs/economist-jobs?trk=organization_guest_linkster_link)\n - [Summer Intern jobs](https://www.linkedin.com/jobs/summer-intern-jobs?trk=organization_guest_linkster_link)\n - [Director jobs](https://www.linkedin.com/jobs/director-jobs?trk=organization_guest_linkster_link)\n - [Chief of Staff jobs](https://www.linkedin.com/jobs/chief-of-staff-jobs?trk=organization_guest_linkster_link)\n - [Corporate Development Specialist jobs](https://www.linkedin.com/jobs/corporate-development-specialist-jobs?trk=organization_guest_linkster_link)\n - [Attorney jobs](https://www.linkedin.com/jobs/attorney-jobs?trk=organization_guest_linkster_link)\n - [Specialist jobs](https://www.linkedin.com/jobs/specialist-jobs?trk=organization_guest_linkster_link)\n - [General Counsel jobs](https://www.linkedin.com/jobs/general-counsel-jobs?trk=organization_guest_linkster_link)\n - [Management Consultant jobs](https://www.linkedin.com/jobs/management-consultant-jobs?trk=organization_guest_linkster_link)\n - [Chief Officer jobs](https://www.linkedin.com/jobs/chief-officer-jobs?trk=organization_guest_linkster_link)\n - [Director of Operations jobs](https://www.linkedin.com/jobs/director-of-operations-jobs?trk=organization_guest_linkster_link)\n"}
diff --git a/chunks/json/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.json b/chunks/json/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.json
new file mode 100644
index 0000000000000000000000000000000000000000..d42dc36bafded0a1790fe4a6629d28018bd6cc1d
--- /dev/null
+++ b/chunks/json/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":669709,"char_start":668083,"chunk_id":"chk_2e628e5560685218","chunk_index":396,"chunk_sha256":"ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Required if field 6-16 is populated.\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be included\nin this field:\n• USPS two-letter state or territory representation\n\nAt least one of the fields 6-13, 6-14, 6-\n16 (Appraiser License Identifier and\nvalues of Appraiser License Type) is\nrequired unless the value of field 6-15\nis 'trainee'.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 123 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n508\n\n6\n\n18\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nExpiration Date of Certifiction\nor License\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/\n@_ExpirationDate\n\n12\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\n\n509\n\n6\n\n19\n\nAPPRAISER\nCERTIFICATION\n\nADDRESS OF PROPERTY\nAPPRAISED\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n"}
diff --git a/chunks/json/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.json b/chunks/json/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.json
new file mode 100644
index 0000000000000000000000000000000000000000..b19160595e32ee425da103a8f69d947c9bc4d431
--- /dev/null
+++ b/chunks/json/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":320,"char_start":0,"chunk_id":"chk_d165b92a0042077a","chunk_index":0,"chunk_sha256":"babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e","token_estimate":94,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu\"\ndate_accessed: \"2026-01-27T18:02:18.000Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.json b/chunks/json/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.json
new file mode 100644
index 0000000000000000000000000000000000000000..f2559cf180c78b0fcf761889c836ff079f755bae
--- /dev/null
+++ b/chunks/json/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":78379,"char_start":76693,"chunk_id":"chk_f890b6fbf220fd39","chunk_index":25,"chunk_sha256":"bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"B. GSE Specific Data Points do not appear anywhere on the Closing Disclosure. GSE Specific Data Points\nsupport GSE data requirements related to the closing transaction.\n\nC. XML-Required Data Points ensure that the XML file is properly formed and can be read by an XML parser.\nEach one of these categories is described below.\n\nA. CLOSI NG DI SCLOSURE D ATA POI NTS\n\nClosing Disclosure data points map to one or more form field(s) on the Closing Disclosure. The following\nsubsections highlight ways MISMO v3.3.0 data points are used within the UCD to meet Closing Disclosure\nrequirements.\n\n1. GENERAL USE DATA\n\nThe MISMO standard was created and continues to be updated and expanded in support of mortgage industry\nforms, processes or proprietary data sets. Most of the data created to support these business cases can be used\nacross the loan life cycle and support commonly understood industry practice and usage. These data points are\nreferred to in the I-Guide as “general use” data, or in “the body of the Reference Model.”\n\n2. DOCUMENT SPECI FI C DATA\n\nSome data points are created to meet the specialized business requirements of a form or data set. The\ndefinitions of these data points are driven by their context and use within that form or file. In general, these\ndefinitions do not conform to broader-based industry understanding and are not used except for the business\ncase they were designed to support. Examples include data points created for form fields representing\ncalculation results, and data defined in specific way that differs from normal industry practice. To accommodate\nthese “Document Specific” data, a special structure exists within the MISMO Reference Model.\n"}
diff --git a/chunks/json/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.json b/chunks/json/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.json
new file mode 100644
index 0000000000000000000000000000000000000000..91c73defc4c76c9faf1e6fff46e93cf137a2c914
--- /dev/null
+++ b/chunks/json/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9978,"char_start":8472,"chunk_id":"chk_7d1aa5963891a6ea","chunk_index":5,"chunk_sha256":"bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"**Location:** Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)\n\n**Topic:** Climate Risk\n\n[Agenda](/sites/default/files/2024-10/2024%20Fall%20FHFA%20Econ%20Summit%20Agenda_Date-Final.pdf), [Speaker Profiles](/sites/default/files/2024-10/2024-FHFA-Fall-Econ-Summit-Speaker-Headshots-and-Bios.pdf), [Fall 2024 Econ Summit Call for Papers - closed](/sites/default/files/2024-02/Call-for-Papers-FHFA-Fall-2024-Econ-Summit-on-Climate-Risk.pdf)\n\n[More Information: Presentations and Papers](/news/public-engagements/econ-summit/fall-2024)\n\n---\n\n## October 2024\n\n## 2024 FHFA Model Risk Conference\n\nThe Division of Enterprise Regulation (DER) presents the 2024 FHFA Model Risk Conference. The conference will provide an opportunity for participants to share insights and best practices in managing model risk as well as provide a forum for model risk management professionals to learn about the latest trends in model risk management. The conference will have speakers from regulatory agencies and private industry.\n\n**Date:** 10/21/2024 - 10/22/2024\n\n**Time:**8:00 AM EDT - 4:00 PM EDT\n\n**Location:**Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)\n\n[Agenda](/sites/default/files/2024-10/2024-FHFA-Model-Risk-Conference-Agenda.pdf)\n\n[Speaker Profiles](/sites/default/files/2024-11/FHFA-Model-Risk-Conference-Speaker-Bios-2024.pdf)\n\n---\n"}
diff --git a/chunks/json/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.json b/chunks/json/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.json
new file mode 100644
index 0000000000000000000000000000000000000000..8afe4293b32abe4fffbf5d6be97019ef1da2c49b
--- /dev/null
+++ b/chunks/json/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31369,"char_start":29737,"chunk_id":"chk_a3d2cda2f5910cae","chunk_index":33,"chunk_sha256":"bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"additional details must be provided for each item.\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: New Observed Items for Repair (Figure 04 - 1)\n\n04.001\n\nFeature\n\n2800.0052 DefectComponentLabelType\n\n04.002\n\nLocation\n\n2800.0056 DefectItemLocationType\n\nDisplay when CompletionReportNewDefectIndicator = \"false\"\n- Display a separate row for each newly observed repair item.\nDisplay for each newly observed item\n- When the same Feature has multiple repair items, repeat the\n\n-\n\nentire row.\nImages for the newly observed repair item must be provided\nand display in Completion Report Exhibits\n\nDisplay for each newly observed item\n- When newly observed items are not related to kitchens or\nbaths, use DefectItemLocationType = “Other” and describe\nthe defect location in\n\nPage 22\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: New Observed Items for Repair (Figure 04 - 1)\n\nDisplay when CompletionReportNewDefectIndicator = \"false\"\n- Display a separate row for each newly observed repair item.\nDefectItemLocationTypeOtherDescription (UID: 2800.0057,\nFID: 04.002)\n\n04.003\n\n04.004\n\n04.005\n\nDescription\nAffects Soundness or\nStructural Integrity\nRecommended Action\n\n2800.0055 DefectItemDescription\n\n2800.0054\n\nDefectItemAffectsSoundnessStructuralInteg\nrityIndicator\n\n3900.0013 DefectItemRecommendedActionType\n\n04.006\n\nInspection Date\n\n2800.0058\n\nDefectItemRecommendedActionInspection\nDate\n\nDisplay for each newly observed item\n\nDisplay for each newly observed item\n\nDisplay for each newly observed item\nDisplay for each newly observed item\n"}
diff --git a/chunks/json/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.json b/chunks/json/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.json
new file mode 100644
index 0000000000000000000000000000000000000000..5f645165940edd58fe138d037f8f58240477d1b7
--- /dev/null
+++ b/chunks/json/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19649,"char_start":17955,"chunk_id":"chk_1dd0e2b7f8b5e319","chunk_index":10,"chunk_sha256":"badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039","date_utc":"2026-01-27T17:47:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b2ae32f02cf8673","text_sha256":"badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039","token_estimate":434,"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 National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-8) (6/25/2024)\n\n[30-Day Notice of Submission of National Survey of Mortgage Originations (N​SMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2023-n-6) (4/14/2023)\n\n[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2022-n-15) (12/6/2022)\n\n[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2020-n-8) (4/3/2020)\n\n[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2019-n-8) (12/10/2019)\n\n[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-06) (9/13/2016)\n\n[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-16) (12/28/2016)\n\n[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-08) (30-Day Notice) (7/1/2013)\n\n[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-07) (60-Day Notice) (4/25/2013)\n"}
diff --git a/chunks/json/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.json b/chunks/json/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.json
new file mode 100644
index 0000000000000000000000000000000000000000..852e43de0747a075ab5c2be78fc176851b0d3ed4
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+++ b/chunks/json/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1746,"char_start":0,"chunk_id":"chk_e76fcf40fc7660f2","chunk_index":0,"chunk_sha256":"baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927","date_utc":"2026-01-27T17:54:25+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ec491532eb3a109","text_sha256":"baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Home_Loan_Bank_System___FHFA_4d9tv9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/federal-home-loan-bank-system\"\ndate_accessed: \"2026-01-27T17:54:20.419Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.json b/chunks/json/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.json
new file mode 100644
index 0000000000000000000000000000000000000000..abf2ef2eca9274f1e8a3c7ee814bc0a75cdf8d05
--- /dev/null
+++ b/chunks/json/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45188,"char_start":43573,"chunk_id":"chk_a8cd9a13704db642","chunk_index":31,"chunk_sha256":"bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n20\n\nThe foreign and seasonal indicators are specified at the employment level. Hence, the information is not\nspecific to an income type (i.e. bonus, commission, etc.). The following examples illustrate foreign income\nthat will be related through an ArcRole to an Employer, which means that all income items are characterized\nby the indicator regardless of it being true or false. When a borrower has both regular and seasonal/foreign\nincome from the same employer, separate instances of employment must be included in the Loan\nApplication Submission file, one instance for the foreign/seasonal and an additional instance for the regular\nincome from that employment with the foreign / seasonal indicators set for each instance.\n\nIncome Type usage example:\n\nForeign Income Indicator usage example:\n\nRelating the Income to the Employment:\n\n<!-- Linking Borrower's Income to Current Employer-->\n\n<RELATIONSHIP SequenceNumber=\"5\" xlink:from=\"CURRENT_INCOME_ITEM_1\" xlink:to=\"EMPLOYER_1\"\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\"/>\n<RELATIONSHIP SequenceNumber=\"6\" xlink:from=\"CURRENT_INCOME_ITEM_2\" xlink:to=\"EMPLOYER_1\"\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER\"/>\n\nImportant note for FHA and VA loans: Foreign and Seasonal Income indicators are not currently\nsupported by DUG. Seasonal / Foreign Income may be entered as the enumeration “Other”; lenders\nshould ensure that they are following applicable FHA and VA guidelines for their use.\n"}
diff --git a/chunks/json/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.json b/chunks/json/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.json
new file mode 100644
index 0000000000000000000000000000000000000000..89d9bbd42eca17c3729dc01190671b3e72f104a7
--- /dev/null
+++ b/chunks/json/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":444913,"char_start":443278,"chunk_id":"chk_3bec213845ed310d","chunk_index":248,"chunk_sha256":"bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The lender must also retain in the loan file a certification regarding the adequacy of the property insurance following\ncompletion of the renovation. The certification must confirm the coverage has been increased, if necessary, to comply with\nFannie Mae’s standard property and flood insurance requirements.\n\nSpecial Feature Codes\n\nThe lender must report Special Feature Code 892 when delivering a loan that meets the HomeStyle Refresh requirements.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 180 of 166\n\nUAD 3.6 Policy\n\nManual Underwriting\n\nFor loans involving improvements that are underwritten manually, a maximum debt-to-income ratio of 45% is allowed if the\ntransaction satisfies all criteria in the Eligibility Matrix for a 45% DTI ratio on a manually underwritten loan.\n\nAll other underwriting requirements, such as the down payment, credit score, and reserve requirements, are identical to\nthose for a similar transaction with a maximum DTI ratio of 36%.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 181 of 166\n\nUAD 3.6 Policy\nSB5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities\n(10/08/2025)\n\nIntroduction\n\nThis topic contains information on disaster-related limited cash-out refinance flexibilities, including:\n\nLocation of Property\n\n• Disaster-Related Limited Cash-Out Refinance Flexibilities Overview\n•\n• Occupancy Status\n•\nTransaction Types\n• Documentation of Eligible Disaster-Related Expenses and Financing\n•\n• Appraisal Requirements\n• Delivery\n•\n\nLimited Cash-Out Refinance DU Requirements\n\nSpecial Feature Codes\n\nDisaster-Related Limited Cash-Out Refinance Flexibilities Overview\n"}
diff --git a/chunks/json/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.json b/chunks/json/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.json
new file mode 100644
index 0000000000000000000000000000000000000000..2165496555d75b3e2e0257c3eac75a4d96379d52
--- /dev/null
+++ b/chunks/json/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":927418,"char_start":925790,"chunk_id":"chk_739d851d2e9e3966","chunk_index":551,"chunk_sha256":"bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The sum of this field 3-76 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nCR\n\nR\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\n413\n\n3\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSIO\nN_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp\ne\n\n19\n\nEnumerated\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\n414\n\n3\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n"}
diff --git a/chunks/json/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.json b/chunks/json/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.json
new file mode 100644
index 0000000000000000000000000000000000000000..fe27ef0bf42069a77ab0a35dc31bc8efb0e81964
--- /dev/null
+++ b/chunks/json/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":416152,"char_start":414554,"chunk_id":"chk_6fc028568f947aaf","chunk_index":246,"chunk_sha256":"bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset\n\n17 Market\n\nMarket: Search Result Metrics – Active Listings\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n17.005 Active Listings\n\nAlways required\n\nNumber\n\nDefinition / Additional Guidance\n\nActive Listings: The number of active listings in the defined market area that\ndirectly compete with the subject, as of the appraisal effective date. Can be 0.\n\n17.006 Active Listings\n\nMedian Days on\nMarket\n\n17.007 Active Listings\n\nLowest List Price\n\n17.008 Active Listings\n\nMedian List\nPrice\n\nRequired when there\nare Active Listings\n\nNumber\n\nMedian Days on Market for active listings in the defined market area that\ndirectly compete with the subject, as of the appraisal effective date.\n\nRequired when there\nare Active Listings\n\nRequired when there\nare Active Listings\n\nDollar amount\n\nDollar amount\n\nLowest List Price for Active Listings in the defined market area that directly\ncompete with the subject, as of the appraisal effective date.\n\nMedian List Price for Active Listings in the defined market area that directly\ncompete with the subject, as of the appraisal effective date.\n\n17.009 Active Listings\n\nHighest List Price\n\nRequired when there\nare Active Listings\n\nDollar amount\n\nHighest List Price for Active Listings in the defined market area that directly\ncompete with the subject, as of the appraisal effective date.\n\nPending Sales\n\nThis subsection is for pending sales only, which may include the subject property if applicable. Do not include\nactive listings in these metrics.\n\nMarket: Search Result Metrics – Pending Sales\n\nReport\nField ID\n"}
diff --git a/chunks/json/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.json b/chunks/json/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.json
new file mode 100644
index 0000000000000000000000000000000000000000..09dcefd51ef8fdc8116428b938687138118ea8f5
--- /dev/null
+++ b/chunks/json/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":680616,"char_start":679005,"chunk_id":"chk_9d6c25ce7d8cf907","chunk_index":405,"chunk_sha256":"bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"GRM Comparable Data\nSource is only applicable\nto comparables\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\n24.010\n\nData Source\n\nAlways\n\nRequired when GRM\nComparable Data\nSource is MLS, or if\napplicable for other\ndata sources\n\nFree-form\n\nData Source Identifier is\nonly applicable to\ncomparables\n\n24.011\n\nProximity to\nSubject\n\nAlways\n\nAlways required\n\nNumber of miles\nor kilometers\n\nProximity to Subject is\nonly applicable to\ncomparables\n\nNo\n\nNo\n\nNo\n\nNo\n\nNo\n\nProperty Photo\nPhoto of the property, typically the front.\nNote: GRM comparable photos are required and redisplay in Income\nApproach Exhibits with the Comparable #.\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nData Aggregator\nExterior Inspection\nHomeowners Association\nLand Survey\nLender\n\nGRM Comparable Data Source\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nReal Estate Agent\nOther (Describe)\n\nData Source Identifier: A unique number or identifier assigned to the\nGRM comparable by the data source.\nNotes:\n•\n\nIf GRM Comparable Data Source is MLS, the MLS number is\nrequired.\nIf a data source has an identifier, it must be reported on the URAR.\n\n•\n\nProximity to Subject\nNote: Can be 0, such as when the comparable is in the same building as\nthe subject property or an adjacent property.\n\nAppendix F-1: URAR Reference Guide\n\nPage 305 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n"}
diff --git a/chunks/json/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.json b/chunks/json/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.json
new file mode 100644
index 0000000000000000000000000000000000000000..6968c26fa8de4cbc548103cd0734331474305b67
--- /dev/null
+++ b/chunks/json/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":404337,"char_start":402709,"chunk_id":"chk_d64ceb809ad6af21","chunk_index":233,"chunk_sha256":"bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"—\n\n—\n\nInground Pool\n\n$(12,000)\n\n$6,000\n\n—\n\n$6,000\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in 460 Sq. Ft.\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\nDriveway | 2 | Asphalt\nGarage | 2 | Built-in\n\n$489,000\n\n$489,000\n\n$460,000\n\n—\n\n$460,000\n\n$30,760\n\n$141\n\n$490,760\n\nMost\n\n$449,900\n\n—\n\n$450,000\n\n$40,540\n\n$160\n\n$490,540\n\nMost\n\n$525,000\n\n—\n\n$520,000\n\n$14,400\n\n$185\n\n$534,400\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$491,000\n\nReconciliation of Sales Comparison Approach\n\nComps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision.\nCondition Rating adjustments were made to all comps due to the subject’s flooring having stained carpets and no updates. Comp 1 also had\na partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms,\nmedia room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were\nnot as comparable since they were larger, farther away, and superior quality.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\n2\n\n3\n\n4\n\n5\n\nProperty Address\n101 Somewhere Ln\nTreeville, VA 12345\n\n955 Black Swan Rd\nTreeville, VA 12345\n\n325 Summit Ct\nTreeville, VA 12345\n\n7464 Blank Ln\nTreeville, VA 12345\n\n8718 Mover Ln\nTreeville, VA 12345\n\nSale Date\n—\n\nStatus\nActive\n\n—\n\nPending\n\n08/21/2019\n\nSettled Sale\n\n06/02/2019\n\nSettled Sale\n\n07/13/2019\n\nSettled Sale\n\nReason Not Used\nProximity\nQuality\n\nComment\nInferior quality and non-similar location\n"}
diff --git a/chunks/json/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.json b/chunks/json/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.json
new file mode 100644
index 0000000000000000000000000000000000000000..9dbc419286f565eeddd869367f6e06b155455408
--- /dev/null
+++ b/chunks/json/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2890,"char_start":1950,"chunk_id":"chk_24fad14f327213dd","chunk_index":1,"chunk_sha256":"bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_29c7bacc62c61288","text_sha256":"bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da","token_estimate":235,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-february-25-2023.pdf"]},"text":"Unique\nID\n\nForm\nField\nID\n\nForm Field\nName\n\nData Point Name\n\nImplementation Notes\n\n2.0031\n\nL1.3.2\n\nRenovation\n\nRenovationLoanIndicator\n\nIf the loan is a HomeStyle Renovation Mortgage, the\nindicator must be “true”, and the cost of renovations\nmust be provided in\nAlterationsImprovementsAndRepairsAmount.\n\n7.0003\n\nL4.2\n\nB. Improvements,\nRenovations, and\nRepair\n\nAlterationsImprovements\nAndRepairsAmount\n\nIf the loan is a HomeStyle Renovation Mortgage the\ncost of renovations must be provided.\n\n© 2023 Fannie Mae 1.25.23 1 of 2\n\nRelease Support\n\nDU Version 11.1 will be implemented in the DU integration environment on or around Jan. 25, 2023.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your\nTechnology Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact\nyour Fannie Mae representative.\n\n© 2023 Fannie Mae 1.25.23\n\n2 of 2\n"}
diff --git a/chunks/json/bb4fd1efc5bcea8e561d6d229228b318e0496e8f1d0fb1e640bd0f089568c417.json b/chunks/json/bb4fd1efc5bcea8e561d6d229228b318e0496e8f1d0fb1e640bd0f089568c417.json
new file mode 100644
index 0000000000000000000000000000000000000000..2c095aeffaa9b6e76689dad8539cc545c6383c2a
--- /dev/null
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diff --git a/chunks/json/bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271.json b/chunks/json/bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271.json
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+{"chunk":{"char_end":20996,"char_start":19383,"chunk_id":"chk_3e1240739b72b800","chunk_index":12,"chunk_sha256":"bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 13 of 19\nPage 13 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n849 Jolly Ave\nAnytown, MD 09992\n\n342 Trail Dr\nAnytown, MD 09992\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$362,500\n\n$360,000\n\n$0\n\n$290\n\n$360,000\n\nMost\n\n$369,900\n\n$365,000\n\n$(5,500)\n\n$286\n\n$359,500\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$350,000\n\nReconciliation of Sales Comparison Approach\n\nThe comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time adjustments\nwere warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and 5, which\nalthough located further away are still within the subject’s market area.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\nProperty Address\n442 Jolly Ave\nAnytown, MD 09992\n\nSale Date\n01/19/2024\n\nStatus\nSettled Sale\n\nReason Not Used\nSale or Transfer Type\n\nComment\nPrivate sale\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 14 of 19\nPage 14 of 19\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Map of Sales Comparables would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n"}
diff --git a/chunks/json/bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8.json b/chunks/json/bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8.json
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+{"chunk":{"char_end":23846,"char_start":22108,"chunk_id":"chk_a3454e9b27b0dd89","chunk_index":12,"chunk_sha256":"bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8","token_estimate":435,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"Appendix F-3: Completion Report Reference Guide\n\nPage 12 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Original Appraisal\n\n02 Original Appraisal\n\nThe Original Appraisal section, containing information from the original appraisal, always displays.\n\nCompletion Report - Original Appraisal\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n02.001 Effective Date of\nAppraisal\n\nAlways required\n\nmm/dd/yyyy\n\nIn the original appraisal, the date to which the appraiser’s analyses, opinions,\nand conclusions applied; also referred to as date of value.\n\n02.002 Opinion of\n\nAlways required\n\nDollar amount\n\nIn the original appraisal, market value as defined in the report.\n\nMarket Value\n\n02.003 Market Value\n\nAlways required\n\nCondition\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nOriginal Market Value Condition: The market value condition(s) that were\nindicated in the original appraisal.\n•\n•\n•\n•\n\nAs Is\nSubject to Completion Per Plans\nSubject to Inspection\nSubject to Repair\n\n02.007\n\nFinal Value\nCondition\nStatement\n\nDisplays if Original\nMarket Value\nCondition is not As Is\n\nN/A\n\n02.004 Appraiser\n\nAlways required\n\nFree-form\n\n02.005 Reference ID\n\nAlways required\n\nFree-form\n\nVariations of this sentence display based on the information provided in\nOriginal Market Value Condition.\n\nThe name of the primary signatory from the original appraisal report.\nNote: Additional signatories must be identified in Completion Report\nCommentary (06.001).\n\nOriginal Appraiser Reference ID: In the original appraisal report, an identifier or\nnumber created by the appraiser to identify their report, generally referred to\nas the appraiser’s file number.\n"}
diff --git a/chunks/json/bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f.json b/chunks/json/bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f.json
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+{"chunk":{"char_end":79780,"char_start":78151,"chunk_id":"chk_7ed6863ec20a3814","chunk_index":44,"chunk_sha256":"bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f","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":"• B2-2-03, Multiple Financed Properties for the Same Borrower;\n• B3-3.1-01, General Income Information (Continuity of Income);\n• B3-3.5-02, Income from Rental Property in DU;\n• B3-4.1-01, Minimum Reserve Requirements; and\n• B3-6-06, Qualifying Impact of Other Real Estate Owned.\n\nEligible Properties\n\nRental income is an acceptable source of stable income if it can be established that the income is likely to continue. If the rental\nincome is derived from the subject property, the property must be one of the following:\n\n•\n•\n•\n\na one-unit principal residence property with an existing accessory dwelling unit (ADU), with rental income from the ADU only,\na two- to four-unit principal residence property in which the borrower occupies one of the units, or\na one- to four-unit investment property.\n\nIf the income is derived from a property that is not the subject property, there are no restrictions on the property type. For\nexample, rental income from a commercial property owned by the borrower is acceptable if the income otherwise meets all other\nrequirements (it can be documented in accordance with the requirements below).\n\nIneligible Properties\n\nGenerally, rental income from the borrower’s principal residence (a one-unit principal residence or the unit the borrower\noccupies in a two- to four-unit property) or a second home cannot be used to qualify the borrower. However, Fannie Mae does\nallow certain exceptions to this policy for boarder income and rental income on principal residence properties with accessory\ndwelling units. See Selling Guide B3-3.1-09, Other Sources of Income, for boarder income requirements.\n"}
diff --git a/chunks/json/bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb.json b/chunks/json/bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb.json
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index 0000000000000000000000000000000000000000..bcf792a55fd03d5bf1363d54251cc20b8080b216
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+{"chunk":{"char_end":473189,"char_start":471828,"chunk_id":"chk_9eba3ea09626492a","chunk_index":356,"chunk_sha256":"bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb","token_estimate":340,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one\nprovided significant real property appraisal assistance.\n\nI personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact\nName(s)] provided significant real property appraisal assistance in the development of this report. I certify that any\nindividual so named is qualified to perform the assistance.\n\nPage 370\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nDisplay when the Assignment\nsection indicates\nPartyRoleType <>\n\"SignificantRealPropertyApprai\nsalAssistance\" for any Contacts\nDisplay when the Assignment\nsection indicates\nPartyRoleType =\n“SignificantRealPropertyApprai\nsalAssistance\" for one or more\nContacts\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\n29.042\n\n21\n\n[Contact Name(s)]\n\nPage 371\n\nDisplay Rules\n\nDisplay when the Assignment\nsection indicates\nPartyRoleType =\n\"SignificantRealPropertyApprai\nsalAssistance\"\nFor each party:\n\n- FirstName and LastName are\n\nRequired.\n\n- Deliver MiddleName or\n\nSuffixName when provided.\n\n- Separate multiple names\n\n29.043\n\n29.044\n\n29.045\n\n22\n\n23\n\n24\n\n29.046\n\n25\n\n29.047\n\n26\n"}
diff --git a/chunks/json/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.json b/chunks/json/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.json
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index 0000000000000000000000000000000000000000..b31df59c1b45177d10dfbd608a566934d27bdf36
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+++ b/chunks/json/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.json
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+{"chunk":{"char_end":149330,"char_start":147772,"chunk_id":"chk_30d4843c769ba32d","chunk_index":135,"chunk_sha256":"bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"•\n\n“Company Name,” “Company Address” set as TXR-I, TXR.\n\nRight-hand side of page\n\n•\n\n“Credentials” sets as TX-B.\n\no “ID,” “State,” “Expires” set as TXR-I, TXR.\n\n[Role: Appraiser and Supervisory Appraiser] (H2)\n\nSubsection repeats for each [Role] if applicable per iGuide.\n\nLeft-hand side of page\n\n•\n\n•\n\n•\n\n•\n\n“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR.\n\n“Scope of Inspection by [Role]” sets as TX-B.\n\n“Subject Property Inspection,” sets as TXR-I.\n\n“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR.\n\nRight-hand side of page\n\n•\n\n•\n\n•\n\n“Credentials” sets as TX-B.\n\n“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.\n\n“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B,\nTXR.\n\nAssignment Information and Scope of Work Commentary (H1)\n\nSet Commentary as TXC x 45 picas\n\nAppendix E: Report Style Guide\n\nPage 88 of 90\n\nVersion 1.4\n\nIntended Use (H1)\n\n• Starts new page\n\n• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Intended Use (H2)\n\n•\n\n“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I Myriad Pro Italic\nx 45 picas.\n\n• Text sets as TXC x 45 picas.\n\nIntended User (H1)\n\n• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.\n\nAdditional Intended Users (H2)\n\n•\n\n“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I Myriad Pro\nItalic x 45 picas\n\n• Text sets as TXC x 45 picas.\n\nCertifications\n\n•\n\n“Certifications” sets as TAB.\n"}
diff --git a/chunks/json/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.json b/chunks/json/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.json
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index 0000000000000000000000000000000000000000..8cfa9f015830afa92c9d424c26029fa62875ad31
--- /dev/null
+++ b/chunks/json/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24825,"char_start":22713,"chunk_id":"chk_6a970847c4799aea","chunk_index":14,"chunk_sha256":"bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76","token_estimate":528,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Due to the increase in Indicated Value by Sales Comparison\nApproach, the Opinion of Value changed.\n\nResult\n\nValue Change\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 17 of 19\nPage 17 of 19\n\nReconsideration of Value Commentary The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After\nanalyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions\nand limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions and limiting\nconditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the\ncomplexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the certifications are also not permitted.\nHowever, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as\nthose required by law or those related to the appraiser’s continuing education or membership in an appraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.json b/chunks/json/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.json
new file mode 100644
index 0000000000000000000000000000000000000000..b1f1df0e2b79f27cb404c9abc8c6c87a3566d48d
--- /dev/null
+++ b/chunks/json/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.json
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+{"chunk":{"char_end":175225,"char_start":173420,"chunk_id":"chk_a598761f74024c8a","chunk_index":102,"chunk_sha256":"bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281","token_estimate":452,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\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\nUAD Requirement - Refer to Appendix D Improvements Section\n\n225\n\n1\n\ne-9\n\nIMPROVEMENTS\n\n226\n\n1\n\ne-10\n\nIMPROVEMENTS\n\n227\n\n1\n\ne-11\n\nIMPROVEMENTS\n\n228\n\n1\n\ne-12\n\nIMPROVEMENTS\n\nDescribe the condition of\nthe property (including\nneeded repairs,\ndeterioration,\nrenovations, remodeling,\netc.)\n\nDescribe the condition of\nthe property (including\nneeded repairs,\ndeterioration,\nrenovations, remodeling,\netc.)\n\nDescribe the condition of\nthe property (including\nneeded repairs,\ndeterioration,\nrenovations, remodeling,\netc.)\n\nDescribe the condition of\nthe property (including\nneeded repairs,\ndeterioration,\nrenovations, remodeling,\netc.)\n\nGSE Overall\nCondition Type\n\nThe overall condition rating of the\nproperty.\n\nGSE Update Last\nFifteen Year\nIndicator\n\nIndicates whether updates in any area\nare observed and have taken place in\nthe last fifteen years.\n\nGSE Improvement\nArea Type\n\nThe area of the subject property\nstructure to be noted regarding\nupdating or remodeling.\n\nGSE Improvement\nDescription Type\n\nThe level of work completed on the\nsubject property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEOverallConditionType\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/OVERALL_CONDITION_RATING\n_EXTENSION/OVERALL_CONDITION_RAT\nING_EXTENSION_SECTION[@ExtensionSect\nionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/OVERALL_CONDITION_RATIN\nG_EXTENSION_SECTION_DATA/OVERAL\nL_CONDITION_RATING/@GSEUpdateLastFi\nfteenYearIndicator\n"}
diff --git a/chunks/json/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.json b/chunks/json/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.json
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index 0000000000000000000000000000000000000000..989c2ef137b4fd91e730740884a69724fe407fec
--- /dev/null
+++ b/chunks/json/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17336,"char_start":15475,"chunk_id":"chk_58be0e66ce4e36cd","chunk_index":9,"chunk_sha256":"bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_17eec87cfcda8751","text_sha256":"bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7","token_estimate":466,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Natural_Disaster_Risk___FHFA_uhk3c4.md"]},"text":"Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel on Climate-Related Risk for Housing Finance at the Financial Services Conference organized by the Consumer Federation of America on November 16, 2023.\n\nSandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/261/CFRAC-20231020-Minutes.pdf) addressing climate change at the Financial Stability Oversight Council’s Climate-related Financial Risk Advisory Committee Meeting on October 20, 2023.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s work to address climate change during an interview with National Mortgage Professionals on October 12, 2023.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered closing remarks addressing climate change at the joint GSE Climate Risk Forum held on October 10, 2023.\n\nSandra L. Thompson, Director of FHFA, participated in a climate change Q&A organized by the National Association of Federally Insured Credit Unions (NAFCU) on September 13, 2023.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks which also touched upon climate change at the 2023 American Real Estate and Urban Economics Association (AREUEA) National Conference held on June 1, 2023.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel discussion on climate risk hosted by CoreLogic on May 10, 2023.\n\nDaniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s actions to address climate-related risk during the Ceres webinar, The Climate Risk Scorecard: Assessing U.S. Financial Regulator Action, on December 6, 2022.\n"}
diff --git a/chunks/json/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.json b/chunks/json/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.json
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index 0000000000000000000000000000000000000000..4ae3c8bb7dbcf10595975472767f4189db88259a
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+++ b/chunks/json/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.json
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+{"chunk":{"char_end":51149,"char_start":49425,"chunk_id":"chk_07dc261dc319f145","chunk_index":27,"chunk_sha256":"bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75","token_estimate":431,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"In addition, there are tables and subsections that include space for comments or descriptions. Concise\ncomments should be entered instead of typing in “see below”.\n\nPhotos and Images\n\nAll photos and images display in the appropriate section of the URAR, and with the exception of the following,\ndisplay in the Exhibits subsection.\n• A large photo displays at the top of these sections:\n\no Summary\no Dwelling Exterior\no Outbuilding\n\nAppendix F-1: URAR Reference Guide\n\nPage 17 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\n•\n\nLegal Description image, if applicable, displays in the Legal Description subsection of Subject Property\n(3.031)\n\n• A thumbnail of the subject property and each comparable (Property Photo) displays:\n\no At the top of the sales grid in Sales Comparison Approach (22.01)\no\no At the top of the GRM comp grid in Income Approach (24.000)\n\nIn the Comparable Rental Properties subsection of Rental Information (23.02)\n\nIdentifying and Describing Photos and Images\n\nThe appraiser must identify each photo or image from the list in the table below.\n• For most photos or images, there is a predefined caption or gray bar that automatically displays.\n• Depending on the photo or image,\n\no An additional caption must be provided, or\no An additional caption may be provided to further identify the photo or image, or\no There is no additional caption. Example: Sales Comparison Map is a gray bar and does not require\n\nan additional caption.\n\n• The table below indicates when photos are required per the URAR Reference Guide.\n\no Examples:\n\n▪ A large photo (“Property Photo”) must be displayed at the top of the Summary section.\n▪ Photos are required for all physical defects, damages, and deficiencies.\n"}
diff --git a/chunks/json/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.json b/chunks/json/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.json
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index 0000000000000000000000000000000000000000..0bc13de428b1f056beafcd33f80f73f4011ab94a
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+++ b/chunks/json/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.json
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+{"chunk":{"char_end":198589,"char_start":196986,"chunk_id":"chk_4151b715c8eaf3e6","chunk_index":196,"chunk_sha256":"bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o\no\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no Site Size - LotSizeAreaMeasure (UID: 1100.0020, FID: 4.112)\n\no Displays when @ValuationUseType = \"LandComparable\"\no Display the number followed by @AreaUnitOfMeasureType\n\no Sale Date - OwnershipTransferDate (UID: 1100.0018, FID: 4.113)\no Displays when @ValuationUseType = \"LandComparable\"\n\no Price - OwnershipTransferTransactionAmount (UID: 1100.0019, FID: 4.114)\n\no Displays when @ValuationUseType = \"LandComparable\"\n\n• Reconciliation of Site Value - SiteEstimatedValueCommentDescription (UID: 1100.0031, FID: 4.115)\n\no Displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true” OR SiteValueIndicator (UID: 1000.0033,\n\nFID: Not on report) = “true”.\n\nFigure 4 - 11\n\nPage 136\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 137\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 138\n\nSite Commentary\n\nThe Site Commentary subsection displays only when comments are provided. Any commentary must use ValuationCommentText (UID:\n0100.0044, FID: 4.116) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: Not on report) = “Site”.\n\nSite Exhibits\n\nThe Site Exhibits subsection displays when images are provided. All text displays above the image in bold font.\n\n• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 6.018).\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 6.017).\n\nReport\nField ID\n\nUnique ID MISMO Data Point/Enumerated Value\n\nImage Header\n\nConditionality\n\nSite Exhibits\n\n4.017.1\n\n1400.0983\n\nImageCategoryType/NonresidentialUse\n"}
diff --git a/chunks/json/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.json b/chunks/json/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.json
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index 0000000000000000000000000000000000000000..8590a429c03fccca8b2b5fca44373d73a6aed448
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+++ b/chunks/json/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.json
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+{"chunk":{"char_end":24761,"char_start":23160,"chunk_id":"chk_67c46baec9ef7faa","chunk_index":14,"chunk_sha256":"bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Property Rights Appraised\n\nAnnual Ground Rent\n\nNative American Lands\n\nAll Rights Included\n\nRights Not Included\n\nSame Builder as Subject\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\nSpecial Assessments\n\nSite\n\nSite Owned in Common\n\nSite Size\n\nNeighborhood Name\n\nZoning Compliance\n\nHazard Zone\n\nPrimary Access\n\nStreet Type | Surface\n\nProperty Restriction\n\nEasement\n\nTopography\n\nDrainage\n\nSite Characteristics\n\nSite Influence (Location)\n\nApparent Environmental\nConditions\n\nView | Range\n\nWater Frontage with Private Access\n\nWater Frontage\n\nPermanent Waterfront\nFeature\n\nRight to Build\n\nTotal Linear Measurement\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nProperty Address\n\nDwelling(s)\n\nYear Built\n\nStructure Design\n\nGross Building Finished Area\n\nNoncontinuous\nFinished Area\n\nTownhouse End Unit\n"}
diff --git a/chunks/json/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.json b/chunks/json/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.json
new file mode 100644
index 0000000000000000000000000000000000000000..440696c3cdb4cc57e18028781e254235d2e7dde0
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+++ b/chunks/json/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.json
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+{"chunk":{"char_end":24113,"char_start":23500,"chunk_id":"chk_d087a5efc73013c8","chunk_index":37,"chunk_sha256":"bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632","token_estimate":485,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Vehicle Storage ............................................................................................................................................. 51\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage) (H1) ...................................................................... 51\n\nVehicle Storage Commentary (H1) ..................................................................................................................... 52\n\nVehicle Storage Exhibits (H1) .............................................................................................................................. 52\n"}
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+++ b/chunks/json/bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5.json
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+{"chunk":{"char_end":8820,"char_start":7086,"chunk_id":"chk_45ca577d45650c5a","chunk_index":4,"chunk_sha256":"bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nCategory Briefs, Notes & White Papers\n\nNMDB Staff Working Papers\n\nStaff Working Papers Items per page 10 25 50\n\n# Research\n\n- Briefs, Notes & White Papers\n\nDecember 19, 2024\n\n## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals - December 2024](/research/papers/2025-2027-enterprise-single-family-housing-goals-12-2024)\n"}
diff --git a/chunks/json/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.json b/chunks/json/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.json
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index 0000000000000000000000000000000000000000..9702e10061da8f6bb743848257afc6da666264da
--- /dev/null
+++ b/chunks/json/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3584,"char_start":1761,"chunk_id":"chk_8428d12524454b11","chunk_index":1,"chunk_sha256":"bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b","token_estimate":456,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"Updated Risk Factors\n\nDU will continue to evaluate multiple factors from the borrower’s loan application and credit report to perform a comprehensive\nrisk assessment. The following risk factors will be updated with DU V. 12.0.\n\nNote: No changes will be made to the other risk factors listed in Selling Guide section B3-2-03, Risk Factors Evaluated by DU.\n\nDebt-to-Income Ratio/Debt Composition\n\nDU will continue to evaluate the composition of the borrower’s debt; however, DU will no longer look at the composition of\nrevolving debts within the borrower’s total monthly expenses. DU will continue to look at the borrower’s debt composition in\nrelation to student loan debts.\n\n© 2024 Fannie Mae.\n\n11.20.24 1 of 4\n\nVariable Income\n\nDU will no longer evaluate a borrower’s variable income (i.e., bonus, overtime, commission, and miscellaneous) as a factor in the\nDU risk assessment.\n\nFirst-time Homebuyer\n\nThe presence of a first-time homebuyer on the loan application will now be considered a mitigating factor in the DU risk\nassessment. DU V. 12.0 research showed that loans where a borrower identified themselves as first-time homebuyers performed\nbetter than similar loans for borrowers that had previously owned a home.\n\nRisk Factor Messaging\n\nThe messages in DU that specify the risk factors that impacted the recommendation will be updated to reflect the changes to the\nrisk factors noted above and will also provide additional specificity regarding the credit risk factors from a borrower’s credit\nreport.\n\nThe Lender Guidance for Use with Applicants messages will also be updated to provide lenders additional actionable guidance on\npotential updates to the terms of the loan, or the use of a 12-month asset report that includes the borrower’s rent payment\nhistory, to help improve the recommendation received by DU.\n"}
diff --git a/chunks/json/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.json b/chunks/json/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.json
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index 0000000000000000000000000000000000000000..934e54945d8ddc1e798152d982465200fa02ef04
--- /dev/null
+++ b/chunks/json/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":606782,"char_start":604736,"chunk_id":"chk_5090aa027f550245","chunk_index":349,"chunk_sha256":"bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b","token_estimate":512,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are\nnormally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales\ntransactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost\nof the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on\nthe appraiser’s judgment.\n\nStatement of Assumptions and Limiting Conditions\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\n\nIf the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist\nthe reader in visualizing the property and understanding the appraiser’s determination of its size.\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes\nthe property characteristics and supporting information have not changed in the interim.\n"}
diff --git a/chunks/json/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.json b/chunks/json/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.json
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index 0000000000000000000000000000000000000000..2afcdb83ad3baaffd840b12811ab3b2d0886bd65
--- /dev/null
+++ b/chunks/json/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":78673,"char_start":77035,"chunk_id":"chk_af2c9a4f1aa21c9e","chunk_index":39,"chunk_sha256":"bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 14. UCD v2.0 Spec Excerpt-Liability Line Items Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 / EXTENSION Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LIABILITIES/LIABILIT\nY/LIABILITY_DETAIL\n\n10.338\n\nLiabilityType\n\nFirstPositionMortgageLien\n\n…/LIABILITY/LIABILITY_DETAIL/EXTENSION/OTHER\n\n10.350\n\ngse:IntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n16.012\n\ngse:IntegratedDisclosureSectionType\n\nPayoffsAndPayments\n\nProvide \"Other\" only when a supported\nenumeration cannot reflect the item\naccurately.\n\nProvide this value when\nDocumentTypeOtherDescription =\n\"ClosingDisclosure:ModelForm\"\n\nProvide this value when\nDocumentTypeOtherDescription =\n\"ClosingDisclosure:AlternateForm\"\n\n16.011\n\ngse:LiabilitySecuredBySubjectPropertyIndicat\nor\n\ntrue\n\n…/LIABILITY/LIABILITY_HOLDER/NAME\n\nUCD v2.0 Implementation Guide\n\n- 27 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 14. UCD v2.0 Spec Excerpt-Liability Line Items Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 / EXTENSION Data Point\n\nDelivered Value\n\nImplementation Notes\n\n10.343\n\nFullName\n\nRho Servicing\n\nProvide the name of the entity to which\nthe liability is owed.\n\n…/LIABILITY/PAYOFF\n\n10.334 PayoffAmount\n\n…/LIABILITY/LIABILITY_DETAIL\n\n350000.00\n\nInclude any prepayment penalty\namount in this value.\n\n10.338\n\nLiabilityType\n\nRevolving\n\n…/LIABILITY/LIABILITY_DETAIL/EXTENSION/OTHER\n\n10.350\n\ngse:IntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n16.012\n\ngse:IntegratedDisclosureSectionType\n\nPayoffsAndPayments\n\nMutually exclusive with\n“PayoffsAndPayments”\n"}
diff --git a/chunks/json/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.json b/chunks/json/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.json
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index 0000000000000000000000000000000000000000..f114652f05900d6acd15a65f47ed839f2acbdd2a
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+++ b/chunks/json/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5005,"char_start":3229,"chunk_id":"chk_13779a2f486cb007","chunk_index":2,"chunk_sha256":"bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706","token_estimate":445,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf"]},"text":"TXR-I\n\nTXR-I\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nH2\n\nTXR-I\n\nTXR-I\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nH1\n\nTXC\n\nAssignment Information and Scope of Work Commentary\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTX-B\nTXR-I\n\nTXR-I\n\nTX-B\nTXR-I\n\nTXR-I\nTXR-B\n\nTXR-B\n\nTX-B\nTXR-I\n\nTXR-I\nTXR-B\n\nTXR-B\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nH1\n\nIntended Use\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXC\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n\nH2\n\nAdditional Intended Use\n\nAdditional Intended Use cannot be contrary to the original Intended Use.\n\nTXC-I\nTXC\n\nH1\n\nIntended User\n\nTXC\n\nThe intended user of this report is the lender/client.\n\nFHA and the Mortgagee are the intended users of this report.\n\nThe USDA and any other identified lender/client are intended users of this report.\n\nTXC\n\nThe VA is also an intended user of this report.\n\nH2\n\nAdditional Intended Users\n\nTXC-I\n\nAdditional Intended Users cannot be contrary to the original Intended User.\n\nTXC\n\nTAB\n\nCertifications\n\nH1\n\nAppraiser Certifications\n\nTXC\n\nThe Appraiser certifies and agrees that:\n\nTXC-NP\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject property, or other parties involved in this transaction.\n"}
diff --git a/chunks/json/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.json b/chunks/json/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.json
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index 0000000000000000000000000000000000000000..985bfa697e3940a1410abed1e4bd503a59ee2201
--- /dev/null
+++ b/chunks/json/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":140942,"char_start":139293,"chunk_id":"chk_b9f156c6d7a99cd1","chunk_index":82,"chunk_sha256":"bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 12 of 22\nPage 12 of 22\n\nProject Information (continued)\n\nObserved Deficiency\n\nThis is where the Observed Deficiency photo would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nProperty Owner\n\nPrior 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\nTypically Motivated\n\nDate\n07/10/2017\n\nAmount\n$700,000\n\nData Source\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property There has been little fluctuation in the market during the past 4 years.\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#\n#1 None\n\nTransfer Terms\n\nAmount\n\nDate\n\nData Source\nAssessor Record\nMLS\n\n#2\n\nTypically Motivated\n\n10/01/2018\n\n#3\n\nTypically Motivated\n\n12/31/2018\n\nTypically Motivated\n\n09/15/2018\n\n#4 None\n\n$779,000\n\n$750,000\n\n$725,000\n\nAssessor Record\nMLS\n\nAssessor Record\nMLS\n\nAssessor Record\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales There was no information regarding material changes to Comparable\n#2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an\nincrease in price.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n"}
diff --git a/chunks/json/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.json b/chunks/json/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.json
new file mode 100644
index 0000000000000000000000000000000000000000..a79af19ff9b121c1040b20e194961e993cb3e598
--- /dev/null
+++ b/chunks/json/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":472534,"char_start":470889,"chunk_id":"chk_f54de930670bd213","chunk_index":268,"chunk_sha256":"bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Notes\n\n21.4 Annual Percentage\nRate (APR)\n\n…/FEES_SUMMARY/FE\nE_SUMMARY_DETAIL\n\nAPRPercent\n\n4.4040\n\nROF as “4.404%”\n\n21.3 Amount Financed\n\nFeeSummaryTotalAmo\nuntFinancedAmount\n\n148367.91\n\nROF as “$148,367.91”\n\n21.2\n\nFinance Charge\n\nFeeSummaryTotalFinan\nceChargeAmount\n\n116884.00\n\nROF as “$116,884”\n\n21.5\n\nTotal Interest\nPercentage (TIP)\n\nFeeSummaryTotalInter\nestPercent\n\n74.6600\n\nROF as “74.66%”\n\n21.1\n\nTotal of Payments\n\nFeeSummaryTotalOfAll\nPaymentsAmount\n\n269574.50\n\nROF as “$269,574.50”\n\nUID\n4.039\n\nN/A GSE\n\n…/HIGH_COST_MORT\nGAGE\n\nAveragePrimeOfferRat\nePercent\n\nnn.nnnn\n\nNot Shown. ATR/QM\n\nA. MAPPI NG GUI DANCE\n\nAll five of these calculation amounts are in FEE_SUMMARY_DETAIL as individual data points. Because these data\npoints are unique and do not appear anywhere else on the form, they are not accompanied by an Integrated\nDisclosure Section Type or Integrated Disclosure Subsection Type data point. Also included is the GSE-Required\ndata point Average Prime Offer Rate Percent required by Regulation Z.\n\nB. FOR MORE I NFORMATI ON\n\n21.0 Reg §1026.38(o), pp. 80128, 80037.\n\n21.1 Reg §1026.38(o)(1), pp. 80128, 80359-60, 80037-38. For guidance on the amounts included in the total of\n\npayments calculation, see comment 37(l)(1)(i)–1.\n\n21.2 Reg §1026.38(o)(2) pp. 80128,80360, 80038-40. The finance charge is calculated in accordance with the\n\nrequirements of §1026.4 and its commentary. Also see 38(o)(2)-1 and -2.\n\nAppendix E: UCD Implementation Guide\n\nPage 220 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n21.0 Loan Calculations\n\n21.3 Reg §1026.38(o)(3) pp. 80128, 80360, 80040. The amount financed is calculated in accordance with the\n"}
diff --git a/chunks/json/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.json b/chunks/json/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.json
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index 0000000000000000000000000000000000000000..c03c14b2e1f03268be5db92aee514d81e1076f8e
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+++ b/chunks/json/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":328954,"char_start":327318,"chunk_id":"chk_cfed3b984cd0c5ca","chunk_index":188,"chunk_sha256":"bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"10.350\n\ngse:IntegratedDisclosureSectionType\n\nDueFromBorrowerAtClosing\n\n16.012\n\ngse:IntegratedDisclosureSectionType\n\nPayoffsAndPayments\n\n10.351\n\ngse:IntegratedDisclosureSectionType\n\nPaidAlreadyByOrOnBehalfOfBorrowerAtClosing\n\n16.011\n\ngse:LiabilitySecuredBySubjectPropertyIndicator\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING_\nINFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/EXTENSION/OTHER/gse:CLOSING_ADJUSTMENT_ITEM_P\nAID_TO/gse:LEGAL_ENTITY/gse:LEGAL_ENTITY_DETAIL\n\n3 This data is included in MISMO v3.4.\n\nUCD v2.0 Implementation Guide\n\n- 152 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix C. UCD v2.0 EXTENSIONS\n\nTable 72. gse: Namespace Data Points.\n\nUCD UID\n\nEXTENSION Data Point\n\nUCD Supported Enumeration\n\n16.021\n\ngse:FullName\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LATE_CHA\nRGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE\n\n11.073\n\ngse:LateChargeAmount\n\n11.006\n\ngse:LateChargeGracePeriodDaysCount\n\n11.007\n\ngse:LateChargeRatePercent\n\n11.008\n\ngse:LateChargeType\n\nFlatDollarAmount | NoLateCharges |\nPercentageOfDelinquentInterest |\nPercentageOfNetPayment |\nPercentageOfPrincipalBalance |\nPercentageOfTotalPayment |\nPercentOfPrincipalAndInterest\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE\nTAIL/EXTENSION/OTHER\n\n16.015\n\ngse:SubordinateFinancingIsNewIndicator\n\nfalse | true\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFIE\nD_MORTGAGE/QUALIFIED_MORTGAGE_DETAIL/EXTENSION\n"}
diff --git a/chunks/json/bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8.json b/chunks/json/bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8.json
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+{"chunk":{"char_end":12056,"char_start":10440,"chunk_id":"chk_bd1a3b5dede2d318","chunk_index":6,"chunk_sha256":"bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca1db67b9626334c","text_sha256":"bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__3lunn.md"]},"text":"FHFA is required to [estimate the size of the mortgage market in order to establish benchmarks for Fannie Mae and Freddie Mac single-family mortgage housing goals](/research?category%5B176%5D=176).\n\n### ​Multifamily Housing Goals\n\nThere are three multifamily housing goals and subgoals in the following categories:\n\n- A goal for the percentage of units affordable to low-income families (income no greater than 80 percent of area median income);\n- A subgoal for the percentage of units affordable to very low-income families (income no greater than 50 percent of area median income); and\n- A subgoal for units in small (5- to 50-unit) multifamily properties affordable to low-income families.\nBefore 2023, the multifamily goals and subgoals were based on the absolute number of affordable units in multifamily properties financed by mortgages purchased by the Enterprises. Starting in 2023, the multifamily goals and subgoals are based on the percentage of affordable units in multifamily properties financed by mortgages purchased by the Enterprises.\n\n## Resources****\n\n**Housing Goals Performance​**\n\n​Learn more about [Fannie Mae's and Freddie Mac's housing goals performance](/programs/affordable-housing/housing-goals-performance).\n\n[Annual Housing Report](/reports/annual-housing-report)\n\n**Housing Goals Data**\n\nLearn more about [Fannie Mae's and Freddie Mac's housing goals data](/data/enterprise-housing-goals)​.​\n\n**Housing Goals Final Rule Documents**\n\n[Housing Goals Final Rule for 2026-2028 Enterprise Housing Goals](/regulation/federal-register/final-rule/2026-2028-enterprise-housing-goals-final-rule)\n"}
diff --git a/chunks/json/bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e.json b/chunks/json/bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e.json
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+{"chunk":{"char_end":17481,"char_start":15914,"chunk_id":"chk_9770f5cc3a3343fd","chunk_index":10,"chunk_sha256":"bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e","token_estimate":439,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"``\n `` `` ``\n\n## Join now to see what you are missing\n\n- Find people you know at Federal Housing Finance Agency\n - Browse recommended jobs for you\n - View all updates, news, and articles\n [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=public_biz_promo-join)\n\n## Similar pages\n\n- [![image]() ### U.S. Department of Housing and Urban Development\n\nGovernment Administration\n\nWashington, D.C.](https://www.linkedin.com/company/hud?trk=similar-pages)\n - [![image]() ### Fannie Mae\n\nFinancial Services\n\nWashington, District of Columbia](https://www.linkedin.com/company/fanniemae?trk=similar-pages)\n - [![image]() ### Federal Housing Administration and HUD Office of Housing\n\nInsurance\n\nWashington, DC](https://www.linkedin.com/company/fed-housing-admin?trk=similar-pages)\n - [![image]() ### Freddie Mac\n\nFinancial Services\n\nMcLean, VA](https://www.linkedin.com/company/freddie-mac?trk=similar-pages)\n - [![image]() ### U.S. Department of Housing and Urban Development Office of Inspector General\n\nGovernment Administration\n\nWashington, DC](https://www.linkedin.com/company/hud-oig?trk=similar-pages)\n - [![image]() ### Navy Federal Credit Union\n\nFinancial Services\n\nVienna, VA](https://www.linkedin.com/company/navy-federal-credit-union?trk=similar-pages)\n - [![image]() ### Consumer Financial Protection Bureau\n\nGovernment Administration\n\nWashington, DC](https://www.linkedin.com/company/consumer-financial-protection-bureau?trk=similar-pages)\n - [![image]() ### Ginnie Mae\n"}
diff --git a/chunks/json/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.json b/chunks/json/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.json
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index 0000000000000000000000000000000000000000..c0f55f1e065176910a52bd35e86c9fd5c8eb96fd
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+++ b/chunks/json/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":464507,"char_start":462780,"chunk_id":"chk_7bac87658f43f4f7","chunk_index":263,"chunk_sha256":"bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8","token_estimate":432,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Subsequent Change\n\n20.6 1%\n\n20.7 1%\n\nFigure 133. AIR Table –Loan with Temporary Buydown Subsidy\n\nAs shown in the figure below, Row 4.2 of the Loan Terms table provides information about the temporary\nbuydown subsidy that is presented again in the AIR Table.\n\n1. LOAN TERMS TABLE TEMPORARY BUYDOWN SU BSI DY ENTRI ES\n\nLoan Terms\n\n4.0 Rate\n\nIncrease?\n\nDescription\n\n4.2 Interest Rate\n\n4.2.1 2.875%\n\n4.2.2 YES\n\n4.2.3\n\n4) Adjusts every year starting in year 2\n\n5) Can go as high as 5.875% in year 4\n\n6) See AIR Table on page 4 for details\n\nAppendix E: UCD Implementation Guide\n\nPage 215 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nFigure 134. Temporary Buydown Subsidy Loan\n\n2. LOAN TERMS AND AI R TABLES FOR TEMPORARY BUYDOWN SUBSI DY L OAN\n\nThe following table links the information provided in the Loan Terms and AIR Tables. Only those Form Field IDs\nthat share values across both tables are included.\n\nTable 145. Loan Terms and AIR Tables for Temporary Buydown Subsidy Loan\n\nLoan Terms Table-Interest Rate (4.2)\n\nAIR Table (20.0)\n\nID\n(bullet)\n\n4.2.2\n\nForm Field Name\n\nID\n\nForm Field Name\n\nInterest Rate - Can this amount increase\nafter closing? YES\n\n20.0 Adjustable Interest Rate (AIR) Table\n\n(If 4.2.2 = YES must be included)\n\nN/A\nInterest Rate 2.875%\n\n4.2.1\n\nN/A\n\n4.2.3 (2) Can go as high as 5.875% in year #\n4.2.3 (1) Adjusts every # years starting in year 2\n4.2.3 (1) Adjusts every year1 starting in year #\n\nN/A\nN/A\n\n20.1\n20.2\n\nInterest Rate Adjustments (#)\nInitial Interest Rate 2.875%\n\n/Maximum Interest Rate 2.875% / 5.875%\n\n20.3 Minimum/ Interest Rate\n20.3\n20.4 Change Frequency –First Change Beginning of 13th month\n20.5 Change Frequency–Subsequent Change Every 12 months\n"}
diff --git a/chunks/json/bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d.json b/chunks/json/bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d.json
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+{"chunk":{"char_end":340507,"char_start":338895,"chunk_id":"chk_9e3493c00ad1d18d","chunk_index":201,"chunk_sha256":"bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Unit Interior – Other Interior Features\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n10.044\n\nFeature\n\nIf applicable (Interior\nFeature is Other)\n\nFree-form\n\nDefinition / Additional Guidance\n\nInterior Feature Other Description\nSelect Other (Describe) to enter an answer that is not in the Interior Features\nlist. Example: Light Fixtures\nNote: Photo(s) of the feature may be provided, which display in Unit Interior\nExhibits, with the Other Interior Feature Description. An additional caption may\nbe provided to further identify the photo.\n\nAppendix F-1: URAR Reference Guide\n\nPage 142 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior – Other Interior Features\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.045 Detail\n\nIf Interior Feature is\nOther\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nOther Interior Feature Description: A brief description of the other feature.\nExample: Custom designed including indirect lighting\nNote: For further expansion of commentary, use Unit Interior Commentary\n(10.061).\n\n10.046 Quality\n\nComment\n\n10.047 Condition Status\n\nIf needed to describe\nthe current quality of\nthe other interior\nfeature\n\nIf Interior Feature is\nOther\n\nFree-form\n\nA brief description of the quality of the other interior feature as of the effective\ndate. For further expansion of commentary, use Unit Interior Commentary\n(10.061).\n\nChoose an\nallowable answer\nfrom table (Other\nInterior Feature\nCondition Status)\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\nNo Finish\n"}
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+{"chunk":{"char_end":118498,"char_start":116853,"chunk_id":"chk_06f2df5fa509cc3a","chunk_index":66,"chunk_sha256":"bca859d0511f4d8d3a79290e2ecc8b49670a806b83250defcd04757738d277fc","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"bca859d0511f4d8d3a79290e2ecc8b49670a806b83250defcd04757738d277fc","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• develop and maintain a documented process to monitor the appraisers it uses. The process (at a minimum) must include\n\nan annual review of an appraiser’s state licensing or certification status and a procedure for suspending or terminating\nbusiness with individual appraisers. Additionally, the lender must have a procedure for referring appraisers to the\napplicable state appraiser licensing and regulatory board.\n\nDelegating these responsibilities to a third party does not relieve the lender of its responsibilities related to appraiser\nindependence requirements, the appraisal or the value, condition, and marketability of the property. See SB4-1.3-12, Appraisal\nQuality Matters, for information related to ongoing review of appraisals.\n\nNote: Fannie Mae does not approve appraisers. Therefore, when selecting appraisers, lenders must not give any consideration to\nan appraiser’s representation that they are approved or qualified by Fannie Mae.\n\nSupervisory Appraiser\n\nWhen a supervisory appraiser is used, the supervisory appraiser must sign the appraisal report and certify they:\n\n• did or did not personally inspect the subject property or comparable sales,\n• directly supervised the appraiser that prepared the appraisal report,\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 49 of 166\n\nUAD 3.6 Policy\n\n•\n•\n•\n•\n\nreviewed the appraisal report,\nagree with the statements and conclusions of the appraiser,\nagree to be bound by certifications as set forth in Fannie Mae’s appraisal report, and\ntake full responsibility for all elements of the certification, for the assignment results, and for the contents of the\nappraisal report.\n"}
diff --git a/chunks/json/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.json b/chunks/json/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.json
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+++ b/chunks/json/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":426174,"char_start":424485,"chunk_id":"chk_81a6dc1810c2a407","chunk_index":252,"chunk_sha256":"bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n•\n\nSelect Yes when all lot or unit owners are required to have an interest in\nthe HOA managing the PUD common areas and facilities.\nSelect No if the property is in a condo, co-op, or condop.\nA PUD may be comprised of manufactured homes when meeting the\ndefinition.\nA project or subdivision with voluntary HOA membership must not be\nidentified as a PUD.\nPopulates from the Subject Property section (3.010).\n\n•\n•\n\n•\n\n•\n\n18.001\n18.002\n18.003\n\nCondominium\nCooperative\nCondop\n\nAlways required\n\nYes | No\n\nProperty in a Project\n•\nYes (the property is in a condominium, cooperative, or condop)\n•\nNo (the property is not in a condominium, cooperative, or condop)\nNote: Property In a Project does not display and populates from the Subject\nProperty section (3.011-3.012-3.013).\n\n18.001\n18.002\n18.003\n\nCondominium\nCooperative\nCondop\n\nRequired if Property in\na Project is Yes\n\nChoose an\nallowable answer\nfrom table (Project\nLegal Structure)\n\nProject Legal Structure\n•\n•\n•\nNote: Populates from the Subject Property section (3.011-3.012-3.013).\n\nCondominium\nCooperative\nCondop\n\nAppendix F-1: URAR Reference Guide\n\nPage 182 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nAllowable Answer\n\nCondominium\n\nCooperative\n\nCondop\n\nProject Legal Structure (Choose one)\n\nDefinition / Additional Guidance\n\nA project that has condominium ownership rights.\nNote: If this answer is selected, a checkmark displays in the Condominium checkbox (18.001) at the top of the Project\nInformation section.\n\nA project that has cooperative ownership rights.\nNote: If this answer is selected, a checkmark displays in the Cooperative checkbox (18.002) at the top of the Project\nInformation section.\n"}
diff --git a/chunks/json/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.json b/chunks/json/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.json
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+++ b/chunks/json/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.json
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+{"chunk":{"char_end":14582,"char_start":12985,"chunk_id":"chk_ac2ae2ff2d3a6f06","chunk_index":8,"chunk_sha256":"bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Level 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit B Dining Room photo would display.\n\nThis is where the Unit B Kitchen photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 26\n\nUnit Interior - Building 1 - Unit B (continued)\n\nLevel 1 - Living Room\n\nThis is where the Unit B Living Room photo would display.\n\nUnit Interior - Building 1 - Unit C\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,190 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\n2\nTenant\nYes\n2\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\n Above Grade\n\nFinish\nFinished\n\nArea\n1,190 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n2 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nNot Updated\n\nNot Updated\n\nTime Frame\n\nQuality Comment\n\nCondition Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n"}
diff --git a/chunks/json/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.json b/chunks/json/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.json
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+++ b/chunks/json/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.json
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+{"chunk":{"char_end":5407,"char_start":3749,"chunk_id":"chk_cf3236434b641e05","chunk_index":1,"chunk_sha256":"bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9c615d2cd25ff8f","text_sha256":"bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2023.pdf"]},"text":"26\n\nBorrower2Race1Type\n\nCoRace\n\nBorrower2 Race1 Type\n\n27\n\nBorrower1SexType\n\nBoSex\n\nBorrower1 Sex Type\n\n28\n\nBorrower2SexType\n\nCoSex\n\nBorrower2 Sex Type\n\n29\n\nBorrower1AgeAtApplicationYears\n\nBoAge\n\nBorrower1 Age at Application Years Count\n\n30\n\nBorrower2AgeAtApplicationYears\n\nCoAge\n\nBorrower2 Age at Application Years Count\n\n31\n\nPropertyUsageType\n\nOccup\n\nProperty Usage Type\n\nPropertyUnitCount\n\n32\n33 NoteRatePercent\n34 NoteAmount\n35 HousingExpenseRatioPercent\n\nNumUnits\nRate\nAmount\nFront\n\nProperty Unit Count\nNote Rate Percent\nNote Amount\nHousing Expense Ratio Percent\n\n36\n\nTotalDebtExpenseRatioPercent\n\nBack\n\nTotal Debt Expense Ratio Percent\n\n37\n\nBorrower1CreditScoreValue\n\nBoCreditScor\n\nBorrower 1 Credit Score Value\n\n38\n\nBorrower2CreditScoreValue\n\nCoBoCreditScor\n\nBorrower 2 Credit Score Value\n\n39\n\nPMICoveragePercent\n\nPMI\n\nPMI Coverage Percent\n\nNumeric code indicating the race of the Co-Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership),\n8=No Co-Borrower\n\nNumeric code indicating the sex of the first or primary\nborrower. 1=Male, 2=Female, 3=Information not\nprovided by borrower, 4=Not Applicable (First or\nprimary borrower is an institution, corporation or\npartnership), 6=Indeterminate Value\n\nNumeric code indicating the sex of the co-borrower.\n1=Male, 2=Female, 3=Information not provided by\nborrower, 4=No Co-Borrower, 5=Not Applicable (First\nor primary borrower is an institution, corporation or\npartnership), 6=Indeterminate Value\n"}
diff --git a/chunks/json/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.json b/chunks/json/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.json
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+++ b/chunks/json/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.json
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+{"chunk":{"char_end":18881,"char_start":17282,"chunk_id":"chk_8f4aa4a8bb227844","chunk_index":10,"chunk_sha256":"bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40","token_estimate":400,"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":"Date\n06/16/2019\n\nAmount\n$38,500\n\nData Source\nAssessor Record\nPrevious Appraisal File\n\nAnalysis of Prior Sale and Transfer History of Subject Property The prior transfer of the subject was a land sale. Purchase of the\nmanufactured home was separate from this transaction. The manufactured home was installed after the purchase of the land.\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\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\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 There were no prior sales or transfers of the comparable sales within the\nlast 12 months.\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 11 of 20\n\nPG BRK\n\nPG BRK\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n123 Anywhere St\nSomecity, TN 12345\n\n42 Forest Ln\nSomecity, TN 12345\n\n542 New East St\nSomecity, TN 12345\n\n7525 New South Hwy\nSomecity, TN 12345\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nThis is where the\nComparable 1 photo\nwould display.\n\nMLS 124523 | Assessor Record MLS 123453 | Assessor Record MLS 178643 | Assessor Record\n\n3 Miles SE\n\n$340,000\n\nSettled Sale\n\n—\n\n$325,000\n"}
diff --git a/chunks/json/bcd8607a2e1adfa6cc73da0a892d6cff2aa32848e9e4af9a7f902178aabc4fe5.json b/chunks/json/bcd8607a2e1adfa6cc73da0a892d6cff2aa32848e9e4af9a7f902178aabc4fe5.json
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diff --git a/chunks/json/bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47.json b/chunks/json/bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47.json
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+{"chunk":{"char_end":9532,"char_start":7056,"chunk_id":"chk_4a2221f3aebd6a2b","chunk_index":4,"chunk_sha256":"bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a92ea8dcd0a3399d","text_sha256":"bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47","token_estimate":739,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Home___FHFA_yqzops.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Helping Restore the American Dream for\nALL Americans\n\n.usa-hero .usa-hero__callout { background-color: rgba(0,0,0,0)!important; } .hero-title {font-size:3.5rem;text-shadow:1px 1px 3px #000;} .hero-subtitle{font-size:1.55rem!important;text-shadow:1px 1px 1px #000;} .usa-button--outline {border-radius:.25rem;box-shadow:inset 0 0 0 2px #fff;color:#fff;padding:.75rem 1rem;text-decoration:none;}@media only screen and (max-width: 850px) { .hero-title {font-size: 2.5rem!important} .hero-subtitle {font-size: 1.25rem!important} .usa-button--outline {font-size: 1rem} } @media only screen and (max-width: 1140px) { .usa-hero{background-position: center center} } @media only screen and (max-width: 730px) { .hero-title {font-size: 2rem!important} .hero-subtitle {font-size: 1rem!important} .usa-button--outline {font-size: 1rem!important} } @media only screen and (max-width: 640px) { .main-content.usa-section{padding-top: 0!important} } @media only screen and (max-width: 675px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .usa-button--outline {font-size: .85rem!important} } @media only screen and (max-width: 500px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .hero-subtitle {display:none!important} .usa-button--outline {font-size: .7rem!important} }\n"}
diff --git a/chunks/json/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.json b/chunks/json/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.json
new file mode 100644
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+++ b/chunks/json/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.json
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+{"chunk":{"char_end":1228295,"char_start":1226677,"chunk_id":"chk_e29257af069da44f","chunk_index":729,"chunk_sha256":"bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Should be populated ifthere is an indicated\nvalue in field 3-40\n\n371\n\n2\n\n125\n\nRECONCILIATION\n\nIndicated Value by: Sales\nComparison Approach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject property\nindicated by the Sales Comparison\napproach.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/@ValueIndicatedBySalesComparisonApproachAmount\n\n12\n\nMoney\n\n126\n\nRECONCILIATION\n\nIndicated Value by: Sales\nCost Approach (if developed) $\n\nValue Indicated By\nCost Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Cost Approach method\nof property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@ValueIndicatedByCostApproachAmount\n\n12\n\nMoney\n\n127\n\nRECONCILIATION\n\nIndicated Value by: Sales\nIncome Approach (if developed)\n$\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject property\nindicated by the Income Approach\nmethod of property valuation.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL\nYSIS/@ValueIndicatedByIncomeApproachAmount\n\n12\n\nMoney\n\n372\n\n373\n\n374\n\n2\n\n2\n\n2\n\n128\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nSummary Comment\n\nA free-form text field used to describe or\nreconcile the different property valuation\nmethods used to arrive at the final\nproperty valuation.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Sum\nmaryComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n375\n\n2\n\n129\n\nRECONCILIATION The appraisal is made “as is”\n\nValuation\nReconciliation\nCondition of\nAppraisal Type\n"}
diff --git a/chunks/json/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.json b/chunks/json/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.json
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index 0000000000000000000000000000000000000000..6c2ff8ce2f122a0ac170871b4eb94dbbe3a49860
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+++ b/chunks/json/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":51776,"char_start":51122,"chunk_id":"chk_5632ba7d86714338","chunk_index":53,"chunk_sha256":"bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f","token_estimate":420,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:1)(cid:4)(cid:7)(cid:5)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:3)(cid:10)(cid:8)(cid:6)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:9)(cid:3)(cid:10)\n\n(cid:13)(cid:44)(cid:19)(cid:47)(cid:25)(cid:20)(cid:43)(cid:48)(cid:9)(cid:39)(cid:36)(cid:48) (cid:25)(cid:39)(cid:43)(cid:48)\n\n(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)\n\n(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)\n\n(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)\n\n(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:10)(cid:24)\n"}
diff --git a/chunks/json/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.json b/chunks/json/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.json
new file mode 100644
index 0000000000000000000000000000000000000000..81ce5ff4d9375fdb8e16290bd959e455e72b70a8
--- /dev/null
+++ b/chunks/json/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":563854,"char_start":561675,"chunk_id":"chk_441bca2155429ad4","chunk_index":325,"chunk_sha256":"bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4","token_estimate":545,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Sales Comparison Approach\n$775,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$765,000\n$775,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n60-90 days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.json b/chunks/json/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.json
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index 0000000000000000000000000000000000000000..226bc87bd84dc759ddca8f6600e211c5b58ab94f
--- /dev/null
+++ b/chunks/json/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":187180,"char_start":185545,"chunk_id":"chk_bff5df5219f4859c","chunk_index":91,"chunk_sha256":"bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ii. Graduated Payment Mortgage (aka step payment mortgage), growing equity mortgage: the scheduled\n\nadjustment to a P&I payment for a fixed rate mortgage.\n\niii. Negative Amortization: the scheduled recast of the mortgage loan or the start of fully amortizing P&I\n\npayments.\n\niv. Interest Only: the end of the interest-only period.\nv. Final Balloon Payment: If there is a final balloon payment under the terms of the legal obligation, it must\n\nbe disclosed by itself in a separate column.\n\nvi. Automatic Termination of Mortgage Insurance: Requires disclosure as a separate payment only if the total\nnumber of separate periodic P&I payments or payment ranges requiring disclosure does not exceed three.\nOtherwise, MI termination is combined with other payment events and disclosed in the applicable\nprojected payment period.\n\nc. MAPPI NG GUIDANCE\n\nAppendix E: UCD Implementation Guide\n\nPage 83 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\ni. Because the data disclosed in the Projected Payments table is defined by the Regulation, all supporting\n\ndata points are from the DOCUMEN_ SPECIFIC structure of MISMO v3.3.0.\n\nii. The @SequenceNumber attribute specifies the order of the columns, starting with “1” for the first\ncolumn on the left and incrementing to “4” if necessary to capture all the required business data.\n\niii.\n\nIn Table 71, the PROJECTED_PAYMENT structure repeats twice to reflect the two Year Ranges. If\nmore Year Ranges are needed, the PROJECTED_ PAYMENT structure would repeat up to four times.\n\niv. See V. Consolidated Mapping Guidance entries for DOCUMENT-SPECIFIC, PROJECTED PAYMENTS,\n"}
diff --git a/chunks/json/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.json b/chunks/json/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.json
new file mode 100644
index 0000000000000000000000000000000000000000..fb79fd533929cd1bba338f59e6af71862aad2b19
--- /dev/null
+++ b/chunks/json/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":330859,"char_start":329220,"chunk_id":"chk_2877d6125aee11fc","chunk_index":182,"chunk_sha256":"bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Property Data Collector\n\nThe property data collector is the individual who personally visits the subject property to perform the property data collection\nguided by an application on a hand-held device developed in compliance with the UPD. The property data collector must identify\nand communicate any defect, damage, or deficiency that affects the soundness or structural integrity of the improvement(s) and\nsignificant items of incomplete construction or renovation.\n\nLender Vetting of Property Data Collectors\n\nThe lender must verify and be able to demonstrate that the data collectors are\n\nselected in accordance with Fannie Mae requirements, including the Property Data Collector Independence Requirements,\nvetted through an annual background check,\n\n•\n•\n• professionally trained, and\n•\n\nin possession of the essential knowledge to competently complete the property data collection.\n\nThe lender must ensure that the data collectors are trained to comply with their fair lending laws and deliver accurate results\nunaffected by personal biases. To avoid conflict of interest, the lender must ensure that the data collector has no interest in or\nties to the underlying loan origination transaction, participants, or subject property.\n\nThe lender (or its authorized agent) must review the data collector's credentials and qualifications on an annual basis to ensure\nongoing compliance. Evidence of the reviews must be available to Fannie Mae upon request. The lender must also have a\nprocedure for suspending or terminating business with individual property data collectors.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 126 of 166\n"}
diff --git a/chunks/json/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.json b/chunks/json/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.json
new file mode 100644
index 0000000000000000000000000000000000000000..ebe1d003deea8fe225670414d2d160dc3ef67c6f
--- /dev/null
+++ b/chunks/json/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21716,"char_start":20117,"chunk_id":"chk_fed1186136dbab32","chunk_index":12,"chunk_sha256":"bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"$750,000\n\n$725,000\n\nAssessor Record\nMLS\n\nAssessor Record\nMLS\n\nAssessor Record\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales There was no information regarding material changes to Comparable\n#2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an\nincrease in price.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 13 of 22\nPage 13 of 22\n\nPG BRK\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n201 Underhill Dr, Unit 202\nNowhere, CA 90021\n\n201 Underhill Dr, Unit 204\nNowhere, CA 90021\n\n1633 Hundred Ave, Unit 801\nNowhere, CA 90021\n\n1639 Town St, Unit 333\nNowhere, CA 90021\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nAssessor Record |\nMLS M32583\n\nAssessor Record |\nMLS M32380\n\nAssessor Record |\nMLS M28713\n\n0.01 Miles S\n\n$778,000\n\nSettled Sale\n\n$778,000\n\n$0\n\n$0\n\n$0\n\nCash\n\nNo\n\n05/19/2019\n\n06/19/2019\n\n40\n\nAttached\n\nFee Simple\n\n0.47 Miles SE\n\n$790,000\n\nSettled Sale\n\n$794,000\n\n0.44 Miles S\n\n$768,000\n\nSettled Sale\n\n$765,000\n\nVA\n\n$10,000\n\n06/19/2019\n\n08/19/2019\n\n11\n\nAttached\n\nFee Simple\n\nFHA\n\n$5,000\n\n06/15/2019\n\n07/15/2019\n\n21\n\nAttached\n"}
diff --git a/chunks/json/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.json b/chunks/json/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea4d13983e7808db28b872756e5b5ecdc3282fc7
--- /dev/null
+++ b/chunks/json/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":95885,"char_start":94127,"chunk_id":"chk_1bafda661e136a81","chunk_index":49,"chunk_sha256":"bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0","token_estimate":440,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 20. CLOSING_INFORMATION and the XML File.\n\nThe type of information held in each container can be summarized as:\n\na. CLOSING_ADJUSTMENT_ITEMS—up to 28 additional adjustments may be provided. Closing adjustments and\n\ncredits can be delivered on both the Model and Alternate forms. Check UCD v2.0 cross reference columns to see\nwhich enumerations are for purchase and/or refinances.\n\nb. CLOSING_COST_FUNDS—holds FundsType = “DepositOnSalesContract”.\n\nc. CLOSING_INFORMATION_DETAIL—holds information about the closing transaction, and overall cash to close.\n\nd. PREPAID_ ITEMS. – at least one, “Prepaid Interest” must be delivered in every XML file, but up to 24 additional\n\nproration line items may be provided.\n\nUCD v2.0 Implementation Guide\n\n- 37 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\ne. PRORATION_ITEMS – these items represent the division of housing expenses between the seller and borrower at\n\ntime of closing, so are not applicable to refinances. They are not valid on the Alternate form. Up to 60 proration\nline items-30 representing items paid by the seller prior to closing, and 30 supporting items unpaid by the seller.\n\n2. CLOSING_ADJUSTMENT_ITEMS\n\nTable 21. XML File Container Structure for Closing Adjustment Data.\n\nContainers\n\nUCD Usage Notes\n\nCLOSING_INFORMATION\n\nHolds containers categorizing sets of closing data points.\n\nCLOSING_ADJUSTMENT_ITEMS\n\nGroups one or more CLOSING_ADJUSTMENT_ITEMs. An instance of\nCLOSING_ADJUSTMENT_ITEM is provided for each closing adjustment disclosed.\n\nCLOSING_ADJUSTMENT_ITEM\n\nThe CLOSING_ADJUSTMENT_ITEM container with the relevant data points and enumerations\nis listed five times so that the closing adjustment data requirements can be grouped into\nthese categories.\n"}
diff --git a/chunks/json/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.json b/chunks/json/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.json
new file mode 100644
index 0000000000000000000000000000000000000000..3e39cabe914731d31d5c46f5ff5676e983ef82c0
--- /dev/null
+++ b/chunks/json/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":104935,"char_start":103285,"chunk_id":"chk_5805a9f16080ec16","chunk_index":58,"chunk_sha256":"bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Data Point\n\nDefinition\n\nCeilingRatePercent\n\nFirstRateChangePaym\nentEffectiveDate\n\nInterestRateRounding\nPercent\n\nInterestRateRounding\nType\n\nThe stated maximum percentage to which the\ninterest rate can increase over the life of the\nloan.\n\nThe due date of the payment at the first\ncalculated interest rate change. To arrive at\nthe actual (true) date that interest begins to\naccrue at the changed rate one payment\nperiod is subtracted if interest is paid in\narrears.\n\nThe percentage to which the interest rate is\nrounded when a new interest rate is\ncalculated. This field is used in conjunction\nwith Interest Rate Rounding Type, which\nindicates how rounding should occur.\n\nIndicates how the interest rate is rounded\nwhen a new interest rate is calculated for an\nARM change. The interest rate can be\nrounded Up, Down, or to the Nearest Factor.\nThis field is used in conjunction with Per\nChange Interest Rate Rounding Factor, which\nindicates the percentage to which the\nrounding occurs.\n\nValid Value\n\n11.5\n\n2015-03-01\n\n0.125\n\nNearest\n\nMarginRatePercent\n\nThe number of percentage points to be added\nto the index to arrive at the new interest rate.\n\n2.60\n\nNotes: The CeilingRatePercent is calculated as the initial note rate of 5.5%\n\nplus the Lifetime Cap of 6% (the “6” of 5/2/6). The\nFirstRateChangePaymentEffectiveDate begins with the end of the 5-\nyear initial fixed period.\n\n3. CONVERSION_OPTION_PERIOD_ADJUSTMENT RULES /\n\nCONVERSION_OPTION_PERIOD_ADJUSTMENT RULE (For Future Use)\nThis set of rules can repeat as required to specify the rules governing each conversion\nperiod associated with a loan (if there is more than one). Each conversion period is\n"}
diff --git a/chunks/json/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.json b/chunks/json/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.json
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index 0000000000000000000000000000000000000000..968a8a4848085c37206a2e712c19ec43b43ed7ef
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+++ b/chunks/json/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.json
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+{"chunk":{"char_end":750641,"char_start":749012,"chunk_id":"chk_d6fd7bf0c6116e94","chunk_index":447,"chunk_sha256":"bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2","token_estimate":407,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n29.009\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nIntended Users\n\nFHA and the\nMortgagee …\n\nPredefined text that\ndisplays when\nGovernment Agency\nAppraisal Type 2.008 is\nFHA\n\n29.009 The USDA and … Predefined text that\n\ndisplays when\nGovernment Agency\nAppraisal Type 2.008 is\nUSDA\n\nPredefined text that\ndisplays when\nGovernment Agency\nAppraisal Type 2.008 is\nVA\n\nAlways required\n\nYes | No\n\nAdditional Intended Users\nIndicates whether there are additional intended users beyond the predefined\ntext.\n\nDisplays when\nAdditional Intended\nUsers is Yes\n\nFree-form\n\nAdditional Intended Users Text\nNote: Additional Intended User(s) cannot be contrary to, and should not\nrepeat, the predefined intended user text.\n\n29.009 The VA …\n\nNot on\nReport\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\n29.010\n29.011\n\nN/A\n\nDefinition of Market Value\n\nThe Definition of Market Value subsection always displays.\n\nAppendix F-1: URAR Reference Guide\n\nPage 340 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nStatement of Assumptions and Limiting Conditions\n\nThe Statement of Assumptions and Limiting Conditions subsection always displays.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nStatement of Assumptions and Limiting Conditions\n\n29.019 The FHA\n\nappraiser ….\n\nPredefined text that\ndisplays when\nGovernment Agency\nAppraisal Type 2.008 is\nFHA\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nCert 10 (Subject Property Inspection by Appraiser)\n"}
diff --git a/chunks/json/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.json b/chunks/json/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.json
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index 0000000000000000000000000000000000000000..214fb58006d8f3cc442d0bb19ea31028823d5504
--- /dev/null
+++ b/chunks/json/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.json
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+{"chunk":{"char_end":939,"char_start":0,"chunk_id":"chk_39eec4e12a00f82e","chunk_index":0,"chunk_sha256":"bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6853cd6b5270df29","text_sha256":"bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497","token_estimate":235,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-integration-impact-memo-jan-24-2026.pdf"]},"text":"DU for Government Loans Integration Impact Memo\nJanuary 2026 Release\n\nJan. 7, 2026\n\nDuring the weekend of Jan. 24, 2026, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA\nchanges.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nPlease review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nRelease Support\n\nThe DU for government loans release will be implemented in the DU integration environment on or around Jan. 14, 2026.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae\nrepresentative.\n\n© 2026 Fannie Mae. Trademarks of Fannie Mae.\n\n01.07.26 1 of 1\n"}
diff --git a/chunks/json/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.json b/chunks/json/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.json
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+++ b/chunks/json/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":158833,"char_start":157733,"chunk_id":"chk_3d4f0ef22093cfe8","chunk_index":90,"chunk_sha256":"bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179","token_estimate":342,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Enumeration, 16, 68, 70\n\nAdding to Reference Model, 72\nBusiness-Partner Specific, 18\nGSE-specific Lists, 9\nList, 68\nMISMO Data Type for, 19\nOther, 17, 18\n\nEXTENSION, 31, 72, 77, 78\nFORM SPECIFIC FIELD, 15\nImplementation Guide\n\nGSE-specific, 6, 7, 9, 15, 16, 34, 58, 65, 66, 68\nShared, 7, 15, 16\n\nLoanStateType, 17, 35, 41, 42, 43, 45, 46, 47, 55\nMISMO\n\nEngineering Guidelines, 13, 14, 15, 66, 69, 71\nLDD, 7, 8, 10, 13, 19, 25, 31, 66, 68, 69, 71, 72,\n\n73, 74, 75, 76\nOrganization, 7, 12\nReference Model, 6, 7, 8, 10, 11, 12, 13, 16, 19,\n\n23, 24, 25, 26, 27, 29, 31, 69, 76, 77\n\nNamespace, 70, 72\nOwnerIdentifierURI, 27\nURI, 69\nURL, 66, 69, 71\nURN, 69, 71, 72, 73, 74, 75, 77\nUsing the MISMO v3.0 Logical Data Dictionary, 13\nW3C, 70, 71, 75\nXLink, 55, 70, 75\nXML, 6, 7, 70\n\nComplex Type Element, 24, 68\nSchema, 7, 9, 11, 13, 16, 27, 31, 32, 38, 64, 65,\n\n66, 69, 70\n\nSimple Type Element, 13, 16, 69\n\nXPath, 23, 24, 26, 29, 38, 70, 72\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 71 of 76\n"}
diff --git a/chunks/json/bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4.json b/chunks/json/bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4.json
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+{"chunk":{"char_end":202816,"char_start":201214,"chunk_id":"chk_899008d48c937a8b","chunk_index":118,"chunk_sha256":"bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"View | Range\n\nDwelling(s)\n\nYear Built\n\nNoncontinuous\nFinished Area\n\nDisaster Mitigation\n\n$895,000\n\nPending\n\n$895,000\n\nNo\n\n05/16/2018\n\n26\n\nDetached\n\nFee Simple\n\nMLS 5420130 |\nAssessor Record\n\n0.12 Miles S\n\n$915,000\n\nActive\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n—\n\n28\n\nDetached\n\nFee Simple\n\nYes\n\nGrammy Gold\n\nGrammy Gold | Yes\n\n$500\n\n$500\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nNo\n\nNo\n\n13,939 Sq. Ft.\n\n14,100 Sq. Ft.\n\n$0\n\nGrammy Gold\n\nGrammy Gold\n\nGated Community\n| Golf Course\n\nGated\nCommunity |\nGolf Course\n\nGolf Course | Full\nResidential | Full\n\nGolf Course | Full\nResidential | Full\n\n2018\n\n2018\n\n360 Sq. Ft.\n\n360 Sq. Ft.\n\nHeating\n\nForced Warm Air | Natural Gas\n\nImpact Resistant Glass |\nImpact Resistant Shingles\n\nImpact Resistant\nGlass | Impact\nResistant\nShingles\n\nForced Warm Air\n| Natural Gas\n\nEnergy Efficient and Green Features\n\nBuilding Certification\n\nLEED Gold\n\nLEED Gold\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 17 of 24\nPage 17 of 24\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nUnit(s)\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nUnfinished Area\nBelow Grade\n\nSubject Property\n\nComparable #4\n\n8675309 Jenny Ln\nAnytown, IL 54321\n\n23412 Josephine St\nAnytown, IL 54321\n\n2\n\n3\n\n2 | 1\n\n2\n\n3\n\n2 | 1\n\n1,552 Sq. Ft.\n\n1,232 Sq. Ft.\n\n320 Sq. Ft.\n"}
diff --git a/chunks/json/bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df.json b/chunks/json/bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df.json
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+{"chunk":{"char_end":40951041,"char_start":0,"chunk_id":"chk_45747c5695914611","chunk_index":0,"chunk_sha256":"bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df","date_utc":"2026-01-27T18:00:15+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_de1aaa635d505d18","text_sha256":"bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df","token_estimate":1000,"warnings":["source_path=fha_uad_puf_annual_v1_0_csv/_.csv/_.csv/fha_uad_puf_2019_v1_0.csv"]},"text":"record_id: 1900034823000 | year: 2019 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12107 | county_fips_2020: NA | tract_fips_2010: 12107950500 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 455000 | sales_range_low: 95000 | updated_last_15_years: 2 | lot_size: 4 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -1605 | average_adjustment: -2731 | adjusted_price: 105000 | number_comparables: 3 | same_tract_percent: 0 | calculated_proximity: 3.48 | reported_proximity: 3.48 | value_sale_comparison: 105000 | value_cost: 165000 | value_income: NA | appraised_value: 105000 | appraisal_to_contract: NA | comparison_to_contract: NA\nrecord_id: 1900000695000 | year: 2019 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12086 | county_fips_2020: NA | tract_fips_2010: 12086010900 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 335000 | sales_range_low: 185000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -4000 | average_adjustment: 4520 | adjusted_price: 205000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.33 | reported_proximity: 0.33 | value_sale_comparison: 205000 | value_cost: 145000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 1900041117000 | year: 2019 | weight: 20 | state_fips_2010: 05 | state_fips_2020: NA | county_fips_2010: 05085 | county_fips_2020: NA | tract_fips_2010: 05085020206 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 295000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 495000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: 10800 | average_adjustment: -20172 | adjusted_price: 345000 | number_comparables: 1 | same_tract_percent: 0 | calculated_proximity: 3.92 | reported_proximity: 3.94 | value_sale_comparison: 325000 | value_cost: NA | value_income: NA | appraised_value: 325000 | appraisal_to_contract: 110.9 | comparison_to_contract: 110.9\nrecord_id: 1900036810000 | year: 2019 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47149 | county_fips_2020: NA | tract_fips_2010: 47149040104 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 155000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 205000 | sales_range_low: 155000 | updated_last_15_years: 2 | lot_size: 1 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 1 | gross_living_area: 2 | median_adjustment: 0 | average_adjustment: -2677 | adjusted_price: 155000 | number_comparables: 1 | same_tract_percent: 67 | calculated_proximity: 0.32 | reported_proximity: 0.32 | value_sale_comparison: 155000 | value_cost: 165000 | value_income: NA | appraised_value: 155000 | appraisal_to_contract: 100.3 | comparison_to_contract: 100.3\nrecord_id: 1900013860000 | year: 2019 | weight: 20 | state_fips_2010: 19 | state_fips_2020: NA | county_fips_2010: 19155 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 275000 | sales_range_low: 125000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: -11797\n"}
diff --git a/chunks/json/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.json b/chunks/json/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.json
new file mode 100644
index 0000000000000000000000000000000000000000..615361b8b5b8b39536a1900d0c5d0b6a3b15c64c
--- /dev/null
+++ b/chunks/json/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10550,"char_start":8882,"chunk_id":"chk_ffce2b47b557ecfb","chunk_index":5,"chunk_sha256":"bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7b5579c3b7f547d3","text_sha256":"bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dashboards___FHFA_t6nioe.md"]},"text":"[View More](/data/dashboard/conforming-loan-limit-values-map)\n\n- ## Duty to Serve 2022-2024 All Rural Tracts Map\n\nThe Duty to Serve (DTS) All Rural Tracts Map shows the census tracts that are considered rural areas or non-rural areas for DTS purposes. Users can select a state to view the underlying Census tracts that meet the DTS rural definition.\n\n[View More](/data/dashboard/dts/all-rural-tracts-map/2023)\n\n- ## Duty to Serve 2022-2024 High-Needs Counties with Rural Tracts Map\n\nThe Duty to Serve High-Needs Counties with Rural Tracts Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serve High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Interacting with any county on the map allows users to view a map of census tracts within the county, and whether the tracts are classified as Duty to Serve Rural or Not Duty to Serve Rural. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of \"rural area\" to include all \"colonia census tracts\" that would not otherwise satisfy the definition.\n\n[View More](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2022-2024)\n\n- ## Duty to Serve 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"}
diff --git a/chunks/json/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.json b/chunks/json/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.json
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+++ b/chunks/json/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.json
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+{"chunk":{"char_end":35412,"char_start":33518,"chunk_id":"chk_6a08a47c3a24d495","chunk_index":11,"chunk_sha256":"bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc","token_estimate":473,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"Fees\n\n**23. How should recording fees and amounts be included in UCD v1.5 FeeType / UCD v2.0 ucd:FeeItemType = “Recording Fee Total”?**\n\nThe value provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeTotal” should be the sum of the amounts of all recording fees paid or to be paid to any government authority, regardless of the entity collecting the payments. This sum must also include the amounts for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeForMortgage” and “RecordingFeeForDeed.” Refer to the [UCD Phase 3 Critical Edits Job Aid: Taxes and Other Government Fees](https://sf.freddiemac.com/docs/pdf/ucd-joint-gse-job-aid-guide-taxes-and-other-government-fees.pdf) on the GSEs’ UCD webpages FannieMae.com and FreddieMac.com for more information.\n\n**24. Do we need to include the fees for “LoanDiscountPoints”, “PrepaidInterest” and “LenderCredits” in the UCD XML file even when they are not part of the loan transaction?**\n\nYes, these data points must be provided in the UCD XML file as described:\n\n- Even when discount points are not part of the transaction, UCD v1.5 FeeType or UCD v2.0 ucd:FeeItemType = “LoanDiscountPoints” along with FeeActualPaymentAmount value equal to “0.00” are required for all loans and must be provided in the UCD XML file. FeeTotalPercent is not required when FeeActualPaymentAmount is “0.00”.\n- Even when prepaid interest is not part of the transaction, UCD v1.5 and v2.0 PrepaidItemType = “PrepaidInterest” along with PrepaidItemActualPaymentAmount = “0.00” must be provided in the UCD XML file.\n- Even when lender credits are not part of the transaction, UCD v1.5 and v2.0 IntegratedDisclosureSubsectionType = “LenderCredits” along with IntegratedDisclosureSubsectionPaymentAmount = “0.00” must be provided in the UCD XML file.\n**25. How will the Phase 3B Postponed critical edits enforce the section required for a given fee?**\n"}
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+{"chunk":{"char_end":509932,"char_start":508172,"chunk_id":"chk_dba16183fefb034a","chunk_index":302,"chunk_sha256":"bda21b3f4a77ec84932671eff545e7540e152265680725f36cab0b200a01f21f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bda21b3f4a77ec84932671eff545e7540e152265680725f36cab0b200a01f21f","token_estimate":440,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nProximity to Subject is\nonly applicable to\ncomparables\n\nDirection from Subject\nto Comparable is only\napplicable to\ncomparables\n\nNo\n\nNo\n\nNo\n\nData Source Identifier: A unique number or identifier assigned to the sales\ncomparable by the data source.\nNotes:\n•\n\nIf Sales Comparable Data Source is MLS, the MLS number is\nrequired.\nIf a data source has an identifier, it must be reported on the URAR.\n\n•\n\nProximity to Subject\nNote: Can be 0, such as when the comparable is in the same building as\nthe subject property or an adjacent property.\n\nDirection from Subject to Comparable\n•\nE\n•\nN\n•\nNE\n•\nNW\n•\nS\n•\nSE\n•\nSW\n• W\n\nList Price\n\nAlways\n\nIf available\n\nDollar amount\n\n22.01.02\n22.01.20\n\n22.01.03\n22.01.21\n\nListing Status\n\nAlways\n\nAlways required\n\n22.01.22\n\nContract Price\n\nIf relevant\n\n22.01.04\n22.01.22\n\nContract Price\n\nIf relevant\n\nRequired when Listing\nStatus is Pending, and\nthe row is included in\nthe sales comparison\ngrid\n\nRequired if Contract\nPrice Unknown is No\n\nSubject Listing\nInformation\n•\n\nList Price 19.009\nfor most recent\nlisting\n\nSubject Listing\nInformation\n•\n\nListing Status\n19.002 for most\nrecent listing\n\nContract Price Unknown\nis only applicable to\ncomparables\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nYes | No\n\nDollar amount\n\nSales Contract\n•\n\nContract Price\n20.004\n\nNo\n\nList Price: The last known list price for the transaction.\n\n•\n•\n•\n•\n\nActive\nOff Market (previously in MLS)\nPending\nSettled Sale (applicable to comparables only)\n\nContract Price Unknown\n•\n\nYes (the comparable has been included in the sales grid, but the\ncontract price is unknown. In this case, “Unknown” displays)\nNo (Contract Price is known and must be provided)\n"}
diff --git a/chunks/json/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.json b/chunks/json/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.json
new file mode 100644
index 0000000000000000000000000000000000000000..f4af20e9ecd9dc0de7dd69afa8f15dc593791e0a
--- /dev/null
+++ b/chunks/json/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3966,"char_start":3933,"chunk_id":"chk_fe141795a5a57156","chunk_index":2,"chunk_sha256":"bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_361642b7b0e3bc08","text_sha256":"bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-february-2023.pdf","below_target_min_tokens"]},"text":"© 2023 Fannie Mae 1.5.23\n\n2 of 2\n"}
diff --git a/chunks/json/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.json b/chunks/json/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.json
new file mode 100644
index 0000000000000000000000000000000000000000..24165df4f888337604c6a675c2c4a60c5295f734
--- /dev/null
+++ b/chunks/json/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":222221,"char_start":220279,"chunk_id":"chk_a7a939707ad75677","chunk_index":112,"chunk_sha256":"bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339","token_estimate":485,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 86. ETI&A–One “Other” Property Cost Item\n\nID\n\nForm Field\nName\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nThird instance of ESTIMATED_PROPERTY_COST_COMPONENT\n\n5.6.5\n\nThis estimate\nincludes: \nOther: ______\n\n…/ESTIMATED_PR\nOPERTY_COST_CO\nMPONENT\n\n5.6.5\n\nIn escrow?\n\nProjectedPaymentEst\nimatedTaxesInsuranc\neAssessmentCompon\nentType\n\nProjectedPaymentEs\ncrowedType\n\nHomeowners\nAssociation Dues\n\nROF as “ Other:\nHomeowner’s Association\nDues”\n\nNotEscrowed\n\nRepresented as “NO” on\nform\n\nc. MULTIPLE PROPERTY T AX OR HOMEOWNERS I NSURANCE COST I TEMS NEW\n\nBorrowers may have to pay multiple types of property taxes or homeowners insurance premiums, with some\ncomponents paid from an escrow account and some paid directly by the borrower.\n\nFor example: an applicant may escrow his city property taxes, but pay a special assessment separately.\nSimilarly, the general home insurance premiums may be paid from escrow, but the earthquake insurance\npremiums are paid directly.\n\nAppendix E: UCD Implementation Guide\n\nPage 100 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5.0 Projected Payments\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\n5.6.1 $356\n5.6.2 a month\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5 \n\nIn escrow?\nYES\nSOME\n\nSee Escrow Account on page 4 for details. You must pay for other property\ncosts separately.\n\nFigure 70. Property Tax and Homeowners Insurance-Multiple Cost Items Each\n\nFigure 70 illustrates a case where there are two Property Tax items and two Homeowners Insurance items.\nBoth tax items are escrowed, as is the earthquake insurance. The borrower is paying the homeowners insurance\ndirectly. Just as you have been doing for multiple Other cost items, follow the steps below to determine what\nvalue to render on the Closing Disclosure for “In escrow?:”\n"}
diff --git a/chunks/json/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.json b/chunks/json/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.json
new file mode 100644
index 0000000000000000000000000000000000000000..f427647c5667b01986212dc02870dd57f81f7304
--- /dev/null
+++ b/chunks/json/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":284683,"char_start":283023,"chunk_id":"chk_e96c2abff2da0735","chunk_index":166,"chunk_sha256":"bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@SalePriceTotalAdjustmentNetPercent\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@SalesPriceTotalAdjustmentGrossPercent\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/@AdjustedSalesPriceAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH[@SalesHistoryResearchedIndicator='Y']\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH[@SalesHistoryResearchedIndicator='N']\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/RESEARC\nH/@SalesHistoryNotResearchedComment\n\nIf the value of field 2-103 (Sale Price Total\nAdjustment Amount) is non-zero, one and only\none of fields 2-101 or 2-102 values of (Sales\nPrice Total Adjustment Positive Indicator)\nshould be indicated.\n\nAll the fields (2-53, 2-55, 2-57, 2-59, 2-61, 2-\n63, 2-65, 2-67, 2-69, 2-71, 2-73, 2-74, 2-78,\n2-80, 2-82, 2-84, 2-86, 2-88, 2-90, 2-92, 2-\n94, 2-96, 2-98, 2-100) must add up to this Net\nAdjustment amount.\n\n1\n\n9\n\n6\n\n6\n\nBoolean\n\nA value of 'Y' indicates the Positive box has been checked and the net\nadjustment is positive, a value of 'N' indicates the Negative box has been\nchecked and the net adjustment is negative.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field should contain the total net adjustment, i.e. the sum of all positive\nand negative adjustments.\n\nMoney\n\nPDF Display Format:\nWhole numbers only. If there is no net adjustment, a value of zero (0) must be\nentered.\n"}
diff --git a/chunks/json/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.json b/chunks/json/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.json
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index 0000000000000000000000000000000000000000..b0478e4692f77d9e1a9a5ed94247da48c5515700
--- /dev/null
+++ b/chunks/json/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16429,"char_start":14709,"chunk_id":"chk_4fb2a080eec9854d","chunk_index":9,"chunk_sha256":"bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38","token_estimate":430,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"C1\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nFully Updated\n\nLess than 1 year\n\nQuality Comment\nUpgraded counter tops,\ncabinets, and fixtures\n\nUpgraded cabinets and\nfixtures\n\nUpgraded cabinets and\nfixtures\n\nCondition Status\nNew or Like New\n\nNew or Like New\n\nNew or Like New\n\nCondition Comment\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nVinyl\n\n8 Ft. | Vaulted\n\nFully Updated\n\nQuality Comment\n\nCondition Status\nNew or Like New\n\nBathroom flooring upgraded New or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nLevel 1 - Bedroom - Bedroom 3\n\nLevel 1 - Dining Room - Dining Area\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 30\nPage 12 of 30\n\nUnit Interior (continued)\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Kitchen\n\nLevel 1 - Living Room\n\nLevel 1 - Utility Room\n\nThis is where the Utility Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.json b/chunks/json/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.json
new file mode 100644
index 0000000000000000000000000000000000000000..8140a1f206328852e7d478d06301ae57a5a1755d
--- /dev/null
+++ b/chunks/json/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11276,"char_start":9672,"chunk_id":"chk_b2835426b95e58c8","chunk_index":6,"chunk_sha256":"bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"496200\n\nNorthEast\n\nMost\n\nfalse\n\n401\n\n2\n\n6.32\n\n-3700\n\nfalse\n\nUndergroundStorageTank\n\nDwelling\n\n2001\n\nfalse\n\nMultiWide\n\n1248\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC4\n\nQ3\n\nGranite Countertops | Tile Shower\n\nNotUpdated\n\nGranite Countertops | Tile Floor\n\nKitchen\n\nNotUpdated\n\nManufactured\n\nVinyl\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nCrawlSpace\n\nOther\n\nPier with Tie Down\n\nFoundation\n\ntrue\n\nComposition\n\nTypicalWearAndTear\n\nRoof\n\nC3\n\nQ4\n\n1\n\nElectric\n\nForcedWarmAir\n\nOutbuilding\n\ntrue\n\nShed\n\n0\n\n500\n\nPropertyPhoto\n\n\\\\Images\\MH1_Comp2.png\n\nimage/png\n\n29\n\n510000\n\nSettledSale\n\n25.165171\n\n-51.328127\n\nDiagonal Alley\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\n2019-06-05\n\n2019-07-04\n\n499900\n\nSale\n\nTypicallyMotivated\n\n2018-03-28\n\n332000\n\nSale\n\nShortSale\n\nNone\n\nConcrete\n\nCulDeSac\n\nfalse\n\nCanal\n\ntrue\n\nDeepWater\n\nDock\n\nPier\n\nBodyOfWater\n\n10\n\nOther\n\nGated Community\n\n5\n\nFull\n\nValley\n\n345 Somewhere Ave\n\nSome City\n\n20141\n\nVA\n\nDriveway\n\nGravel\n\n5\n\nfalse\n\nAttached\n\nGarage\n\n1\n\n-6000\n\nSalesConcessions\n\n0\n\nSaleDate\n\n0\n\nContractDate\n\n0\n\nSiteSize\n\n10000\n\nYearBuilt\n\n-3000\n\nView\n\n-5000\n\nSiteInfluence\n\n-5000\n\nWaterFrontage\n\n0\n\nHeatingSystem\n\n-15000\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n9500\n\nOverallConditionRating\n\n4500\n\nVehicleStorage\n\n0\n\nOutbuilding\n\n-10000\n\nOutbuilding\n\n415000\n\nSouthEast\n\nMost\n\nfalse\n\n242\n\n1\n\n3.71\n\n-20000\n\nfalse\n\nLandfill\n\nDwelling\n\n1989\n\nfalse\n\nMultiWide\n\n1800\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC4\n\nQ4\n\nFormica Countertops | Vinyl Floor\n\nNotUpdated\n\nFormica Countertops | Vinyl Floor\n\nKitchen\n\nNotUpdated\n\nManufactured\n\nEngineeredWood\n\nDamagedAndFunctional\n"}
diff --git a/chunks/json/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.json b/chunks/json/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.json
new file mode 100644
index 0000000000000000000000000000000000000000..f2c72214a8b2e4ace0d1b2560dbf517af045bf95
--- /dev/null
+++ b/chunks/json/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":480566,"char_start":478947,"chunk_id":"chk_97faa5552e399a2a","chunk_index":282,"chunk_sha256":"bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25 means 25%)\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field must be populated if field 1-\n188 (Project Commercial Space\nIndicator = 'Y') is indicated.\n\nCR\n\nCR\n\nCR\n\n202\n\n203\n\n204\n\n205\n\n206\n\n207\n\n208\n\n209\n\n1\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n190\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in\nthe project?\nIf Yes, describe and indicate the\noverall percentage of the\ncommercial space.\n\nCommercial Space\nDescription\n\nA free-form text field describing the\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@CommercialSpaceDescri\nption\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field should be populated if field 1-\n188 (Project Commercial Space\nIndicator = 'Y') is indicated.\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n50\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n"}
diff --git a/chunks/json/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.json b/chunks/json/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.json
new file mode 100644
index 0000000000000000000000000000000000000000..2b81a8937f5f3328597c25586168fd0996929ed0
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+++ b/chunks/json/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":425946,"char_start":424348,"chunk_id":"chk_b1a108d780169800","chunk_index":331,"chunk_sha256":"bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"- Physical Depreciation\n\no DepreciationPhysicalAmount (UID: 1100.0089, FID: 25.029)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Calculated: DepreciationPhysicalPercent * The sum of all occurrences of\n\nReplacementOrReproductionCostAmount\n\n• Mutually exclusive with total depreciation. If not 0, display as a negative number.\n\no DepreciationPhysicalPercent (UID: 1100.0090, FID: 25.028)\n\n• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10\n\nPage 334\n\nrepresents 25.10%).\n\n- Functional Depreciation\n\no DepreciationFunctionalAmount (UID: 1100.0087, FID: 25.031)\n\n• Calculated: DepreciationFunctionalPercent * The sum of all occurrences of\n\nReplacementOrReproductionCostAmount\n\n• Mutually exclusive with total depreciation. If not 0, display as a negative number.\n\no DepreciationFunctionalPercent (UID: 1100.0088, FID: 25.030)\n\n• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10\n\nrepresents 25.10%).\n\n- External Depreciation\n\no DepreciationExternalAmount (UID: 1100.0085, FID: 25.033)\n\n• Calculated: DepreciationExternalPercent * The sum of all occurrences of\n\nReplacementOrReproductionCostAmount\n\n• Mutually exclusive with total depreciation. If not 0, display as a negative number.\n\no DepreciationExternalPercent (UID: 1100.0086, FID: 25.032)\n\n• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10\n\nrepresents 25.10%).\n\n- Total Depreciation - DepreciationTotalAmount (UID: 1100.0091, FID: 25.034) dollar amount\n"}
diff --git a/chunks/json/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.json b/chunks/json/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.json
new file mode 100644
index 0000000000000000000000000000000000000000..866c1efbaa6c1243168e239878ae6ac83d515a9d
--- /dev/null
+++ b/chunks/json/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9233,"char_start":7081,"chunk_id":"chk_45f4c7e2c2540fb2","chunk_index":4,"chunk_sha256":"bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3c05547914d2d653","text_sha256":"bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7","token_estimate":548,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____U_S__FEDERAL_HOUSING_jq52sh.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# FHFA House Price Index®\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FHFA House Price Index®\n\ndocument.addEventListener(\"DOMContentLoaded\", function () { const titleElement = document.querySelector('h1[data-component-id=\"fhfa:page-title\"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '<sup>®</sup>'); } }); The FHFA House Price Index® (FHFA HPI®) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. The FHFA HPI® incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data.\n"}
diff --git a/chunks/json/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.json b/chunks/json/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.json
new file mode 100644
index 0000000000000000000000000000000000000000..0b6e033508333dc2c82ef3205ae796b566d1da9f
--- /dev/null
+++ b/chunks/json/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":30551,"char_start":28572,"chunk_id":"chk_0e5dd8160216a717","chunk_index":17,"chunk_sha256":"bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9","token_estimate":495,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Scope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n\nIntended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this appraisal report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition\nis the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller\nare typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best\ninterest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of\nfinancial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special\nor creative financing or sales concessions* granted by anyone associated with the sale.\n"}
diff --git a/chunks/json/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.json b/chunks/json/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.json
new file mode 100644
index 0000000000000000000000000000000000000000..8baabac7869a80b3036727b6d57a8f1c418a9436
--- /dev/null
+++ b/chunks/json/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1977,"char_start":0,"chunk_id":"chk_ee16cbf6b4f34250","chunk_index":0,"chunk_sha256":"bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e","date_utc":"2026-01-27T18:02:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1e4a2518ab3beaf3","text_sha256":"bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e","token_estimate":495,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-nov-18-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1 Nov. Update\n\nOct. 4, 2023\n\nDuring the weekend of Nov. 18, 2023, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The\nchanges in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of Nov. 18, 2023.\n\nPlease review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require\nupdates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may\nalso require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated\nmessage changes.\n\nSummary of DU Underwriting Findings Message Updates:\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n3\n\n14\n\n1\n\nThe draft DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on or about Oct. 4, 2023.\n\nHomeStyle Energy\n\nDU will now identify HomeStyle® Energy loan casefiles using the “Mortgage loan will finance energy-related improvements”\nindicator (field details below) when the loan is also a HomeStyle Renovation loan. Doing so will allow lenders to include the\namount of the energy improvements in Line B of Qualifying the Borrower, instead of requiring an amount to be provided in the\n“Energy improvements included in transaction” field, which can be found in the L1 Property and Loan Information section of the\nDesktop Originator® (DO®)/DU User Interface (UI).\n"}
diff --git a/chunks/json/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.json b/chunks/json/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.json
new file mode 100644
index 0000000000000000000000000000000000000000..ee276cec51d50ecf9b711e732a53d738e42b4828
--- /dev/null
+++ b/chunks/json/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81229,"char_start":79423,"chunk_id":"chk_8d1d80a97ef561a9","chunk_index":43,"chunk_sha256":"bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380","token_estimate":452,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"PUDB Multifamily Census Tract File\nincludes a data element named\nAcquisition UPB that aligns with the\nUPB at the time of purchase.\nAcquisition UPB was previously\nrounded to the nearest $1,000 in the\nPUDB. Acquisition UPB will continue to\nbe disclosed in the Census Tract File,\nbut the disclosure will be changed to the\nmidpoint of the $10,000 interval in\nwhich the actual amount falls, in\naccordance with the CFPB Privacy\nGuidance.155\n\nii. No Disclosure Changes in the PUDB\n\nThe HMDA multifamily data elements\n\nlisted below are currently disclosed in\nthe PUDB Multifamily Census Tract File\nand were unchanged by the Regulation\nC amendments, or modified in a way\nthat is irrelevant to Enterprise data.\nAccordingly, they will continue to be\ndisclosed in the same manner in this\nFile. No changes in reporting or\ndisclosure are necessary to conform\nwith Regulation C.\n\nAction Taken Date (Purchased Loan):\n\nAction Taken Date is an unchanged\nHMDA data element that indicates the\naction, and the date that action was\ntaken.156 For the Enterprise data and\nPUDB purposes, the relevant HMDA\nAction Taken Date values are Loan\nOriginated (discussed above in Section\nII.C.2.i.) and Purchased Loan. Action\nTaken Date for Purchased Loans is the\ndate the loan was purchased from an\noriginator.157 To protect borrower\nprivacy, the CFPB intends to withhold\nthis date from its public dataset, but the\nyear of purchase can be inferred from\nthe year of the dataset, which contains\ndata on loans purchased in a single\ncalendar year. Likewise, the year of\nEnterprise acquisition can be inferred\nfrom the year of the PUDB, which only\ncontains data on loans acquired by the\nEnterprises in a single calendar year.\nAccordingly, no data elements need to\nbe added to the PUDB Multifamily\nCensus Tract File to conform with\nRegulation C.\n"}
diff --git a/chunks/json/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.json b/chunks/json/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.json
new file mode 100644
index 0000000000000000000000000000000000000000..03be583d6e6beeb70e171f5912383ebdf63d499b
--- /dev/null
+++ b/chunks/json/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1789,"char_start":0,"chunk_id":"chk_e407430e4be95a44","chunk_index":0,"chunk_sha256":"bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b19230481d59337e","text_sha256":"bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/completion-report-uad-36-compliance-rules-available-uad-compliance-api.pdf"]},"text":"Completion Report UAD 3.6 Compliance Rules available on\nUAD Compliance API\n\nMay 20, 2025\n\nIn support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the GSEs) have\nmade available all 102 Completion Report UAD 3.6 Compliance Rules via each GSE’s UAD Compliance application programming\ninterface (API) as of May 20, 2025. This is in addition to the 709 Uniform Residential Appraisal Report (URAR) and 102 Restricted\nAppraisal Update Report UAD 3.6 Compliance Rules that were made available in the GSEs’ UAD Compliance APIs on December 5,\n2024, and March 27, 2025, respectively. This completes the entire 913 UAD 3.6 Compliance Rules that are now available via each\nGSE’s UAD Compliance API.\n\nThe GSEs’ APIs will help ensure users comply with the UAD 3.6 specification and enhance efficiency in the appraisal process while\nreducing the need for appraisal resubmissions to the Uniform Collateral Data Portal® (UCDP®). It does this by validating the UAD\n3.6 appraisal XML against the UAD 3.6 Compliance Rules for the URAR, Restricted Appraisal Update Report, and now the\nCompletion Report prior to submission to the UCDP. The API will validate that the XML is well-formed, will perform a UAD 3.6\nschema validation, and will verify conditionality (required, conditionally required, etc.), data type, and format.\n\nIf you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of validating your\nsolution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.\n\nPlease note: to use the GSEs’ APIs in production, you must complete each GSE’s verification process. You may still use the GSEs’\nAPIs in the customer test environment (CTE) until you have completed verification.\n"}
diff --git a/chunks/json/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.json b/chunks/json/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..41a22684e53257799a00618cdce8264bf079b536
--- /dev/null
+++ b/chunks/json/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10636,"char_start":8711,"chunk_id":"chk_0d8e4404788118ed","chunk_index":5,"chunk_sha256":"bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_476ac5ab0f1efe6c","text_sha256":"bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6","token_estimate":481,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Input___FHFA_nfdqx5.md"]},"text":"Respondents should submit only information that the respondent wishes to make available publicly. FHFA may post only a single representative example of identical or substantially identical submissions, and in such cases will generally identify the number of identical or substantially identical submissions represented by the posted example.\n\nFHFA may, in its discretion, redact or refrain from posting all or any portion of any submission that contains content that is obscene, vulgar, profane, or threatens harm. All submissions, including those that are redacted or not posted, will be retained in their original form in FHFA’s internal RFI file.\n\nRespondents that would like FHFA to consider any portion of their submission exempt from disclosure on the basis that it contains trade secrets, or financial, confidential or proprietary data or information, should follow the procedures in section IV.D. of FHFA’s Policy on Communications with Outside Parties in Connection with FHFA Rulemakings, which FHFA is also applying to RFI submissions, see [https://www.fhfa.gov/AboutUs/Policies/Documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf](/sites/default/files/documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf). FHFA cannot guarantee that such data or information, or the identity of the respondent, will remain confidential if disclosure is sought pursuant to an applicable statute or regulation. See 12 CFR 1202.8, 12 CFR 1214.2. and [https://www.fhfa.gov/about/foia-reference-guide](/about/foia-reference-guide) for additional information.\n\nTo ensure file attachments are received, make certain file names do NOT include characters such as **~ # % & * { } \\ : < > ? / |** and file names are short and concise. If you have trouble submitting input or uploading documents to attach to input, please contact [FHFAwebmaster@FHFA.gov](mailto:FHFAwebmaster@FHFA.gov) or call (202) 649-3031 for assistance.\n"}
diff --git a/chunks/json/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.json b/chunks/json/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.json
new file mode 100644
index 0000000000000000000000000000000000000000..79c50b4c4e39f33979d8215ac86b726a4198502e
--- /dev/null
+++ b/chunks/json/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13783,"char_start":11798,"chunk_id":"chk_4fa1ec447ea3a581","chunk_index":7,"chunk_sha256":"bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b","token_estimate":497,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"TXC-NP\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),\nis qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.\n\nTXC-NP\n\n8. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n"}
diff --git a/chunks/json/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.json b/chunks/json/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.json
new file mode 100644
index 0000000000000000000000000000000000000000..b3974a2dd9d6c1f7b595cf08d0dad403a5b37ba8
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+++ b/chunks/json/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":133565,"char_start":131964,"chunk_id":"chk_21f160042eda00b5","chunk_index":78,"chunk_sha256":"bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Foundation\nFull Basement\n\nFoundation Exists\nIndicator\n\nIndicates that there is a foundation.\n\n143\n\nIMPROVEMENTS\n\nFoundation\nPartial Basement\n\nFoundation Exists\nIndicator\n\nIndicates that there is a foundation.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/STRUCTURE_ANALYSIS/STRUCT\nURE_ANALYSIS_EXTENSION/STRUCTURE\n_ANALYSIS_EXTENSION_SECTION[@Exte\nnsionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/STRUCTURE_ANALYSIS_EXTE\nNSION_SECTION_DATA/EFFECTIVE_AGE/\n@GSEEffectiveAgeDescription\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION[@_Type='Slab']/@_\nExistsIndicator\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION[@_Type='Crawlspac\ne']/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION[@_Type='Basement'\n]/@_ExistsIndicator\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/FOUNDATION[@_Type='PartialBas\nement']/@_ExistsIndicator\n\n144\n\nIMPROVEMENTS\n\nFoundation\nBasement Area\n\nSquare Feet Count\n\nIdentifies an area measured in square\nfeet. (e.g. The area of a room or deck)\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/BASEMENT/@SquareFeetCount\n\n145\n\nIMPROVEMENTS\n\nFoundation\nBasement Finish\n\nBasement Finished\nPercent\n\nThe percentage of the basement that\nis considered finished.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/BASEMENT/@_FinishedPercent\n\n146\n\nIMPROVEMENTS\n\nFoundation\nOutside Entry/Exit\n\nBasement Feature\nExists Indicator\n\nIndicates that the feature specified by\nBasement Feature Type is present.\n\n147\n\nIMPROVEMENTS\n\nFoundation\nSump Pump\n\nFoundation Feature\nExists Indicator\n\nIndicates that the property does have\nthe foundation features specified in\nFoundation Feature Type.\n"}
diff --git a/chunks/json/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.json b/chunks/json/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.json
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index 0000000000000000000000000000000000000000..586e6d222be5b1943a42ba77d6396f2b54f53889
--- /dev/null
+++ b/chunks/json/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53022,"char_start":51354,"chunk_id":"chk_4dd1780ff563892d","chunk_index":30,"chunk_sha256":"bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742","token_estimate":417,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 27 of 29\nPage 27 of 29\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"}
diff --git a/chunks/json/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.json b/chunks/json/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.json
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index 0000000000000000000000000000000000000000..5f970f457968999f6e814df44895a9ae85e9250c
--- /dev/null
+++ b/chunks/json/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8477,"char_start":6638,"chunk_id":"chk_d98313be142cb630","chunk_index":4,"chunk_sha256":"bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06","token_estimate":460,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n\n6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this\nappraisal update report and concur with the analysis and conclusions in the original appraisal.\n\n7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nupdate was prepared.\n\n8. I have updated the appraisal by incorporating the original appraisal report by reference.\n\n9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file.\n\n10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable\ncondition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\n"}
diff --git a/chunks/json/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.json b/chunks/json/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..6fbf4e86c512064eeae9e68d90a78278951b0b6f
--- /dev/null
+++ b/chunks/json/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14905,"char_start":13271,"chunk_id":"chk_c55c75f3043673ab","chunk_index":8,"chunk_sha256":"bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"This data field\nrepresents the\naverage of the total\nnet adjustments\nmade to the sale\nprices of all the\ncomparable\nproperties. An\nadjustment is a\n\n10\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nadjusted_price\n\nAverage Adjusted Sale\nPrice of All Settled Comps\n\nNumeric\n\n$5,000 to\n$1,705,000\n\nThe average sales price of all\nsettled comparables used in the\nappraisal, after appraiser-\napplied adjustments have been\napplied in the Sales Comparison\nApproach.\n\nAppraisal Form\nSection\n\nNotes\n\nchange in value to\nthe sale price of a\ncomparable property\nto make it equivalent\nto the subject\nproperty.\n\nThis data field\nrepresents the\naverage of the\nadjusted sale prices\nof the settled\ncomparable\nproperties.\n\nSales Comparison\nApproach\n(Derived Field)\n\nDisclosure\nAvoidance\nMethod\nhigh-cost areas;\ncan be positive\nor negative;\nrounded to\nnearest $1.\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\n11\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nnumber_comparables\n\nNumber of Comps Used\n\nsame_tract_percent\n\nPercent of Comps\nLocated Within Same\nCensus Tract as Subject\nProperty\n\nCharacter\n\nNumeric\n\nNumber of comparable sales,\npending sales, or active listings\nused in the appraisal, as\nreported in the Sales\nComparison Approach.\n"}
diff --git a/chunks/json/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.json b/chunks/json/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.json
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index 0000000000000000000000000000000000000000..4c6df96904c87539a38fb0a7c433efa4e3808c65
--- /dev/null
+++ b/chunks/json/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22005,"char_start":20368,"chunk_id":"chk_177102e80295b3a7","chunk_index":11,"chunk_sha256":"be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3","token_estimate":409,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"### Appendix II: Data Dictionary - NRI_Census_Tracts\n\nField Name Field Description State State Name County County Name Tract 2020 Census Tract Stcofips State-County-Tract FIPS Code Tractfips State-County FIPS Code pov_ind Persistent Poverty County Indicator Risk_Rating_S National Risk Index Rating for selected Hazard rural_ind Rural area for purposes of Duty to Serve Indicator Avln Riskr Hazard Type Risk Index Rating - Avalanche Cfld Riskr Hazard Type Risk Index Rating - Coastal Flooding Cwav Riskr Hazard Type Risk Index Rating - Cold Wave Drgt Riskr Hazard Type Risk Index Rating - Drought Erqk Riskr Hazard Type Risk Index Rating - Earthquake Hail Riskr Hazard Type Risk Index Rating - Hail Hwav Riskr Hazard Type Risk Index Rating - Heat Wave Hrcn Riskr Hazard Type Risk Index Rating - Hurricane Istm Riskr Hazard Type Risk Index Rating - Ice Storm Lnds Riskr Hazard Type Risk Index Rating - Landslide Ltng Riskr Hazard Type Risk Index Rating - Lightning Rfld Riskr Hazard Type Risk Index Rating - Riverine Flooding Swnd Riskr Hazard Type Risk Index Rating - Strong Wind Trnd Riskr Hazard Type Risk Index Rating - Tornado Tsun Riskr Hazard Type Risk Index Rating - Tsunami Vlcn Riskr Hazard Type Risk Index Rating - Volcanic Activity Wfir Riskr Hazard Type Risk Index Rating - Wildfire Wntw Riskr Hazard Type Risk Index Rating - Winter Weather Risk Ratng Hazard Type Risk Index Rating - Composite Resl Ratng Community Resilience - Rating Sovi Ratng Social Vulnerability - Score\n\n---\n\n[1] Please see the link [here](/data/duty-to-serve/eligibility-data) for more information about FHFA’s Duty to Serve High-Needs Rural areas.\n"}
diff --git a/chunks/json/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.json b/chunks/json/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.json
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index 0000000000000000000000000000000000000000..1f8f12361b1f5bb04343d98e46f07068fee31d48
--- /dev/null
+++ b/chunks/json/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":215332,"char_start":213717,"chunk_id":"chk_c22bec0c2d96d4f7","chunk_index":126,"chunk_sha256":"be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A roof designed or modified to give increased strength and protection from severe weather.\n\nFraming Anchoring or Bracing A structural system designed to resist wind and earthquake forces in which frames are secured and are designed to not\n\nsway laterally.\n\nImpact Resistant Glass\n\nWindows or glass designed to withstand high winds and impact from objects, making them far less likely to shatter, even\nfrom direct blows.\n\nImpact Resistant Shingles\n\nNote: This answer is specific to roof shingles.\n\nNoncombustible Perimeter\n\nEntire outer edge of the property boundary has been designed to mitigate or stop fire from spreading.\n\nStorm Shelter\n\nStorm Shutters\n\nA structure designed to protect the occupants from severe weather.\n\nPermanently attached material used to protect windows or doors that can be stored when not in use (e.g., hurricane\nshutters).\n\nWater Heater Strapping\n\nSystem designed to secure the water heater in place in the event of an earthquake.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 85 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nDisaster Mitigation Commentary\n\nDisaster Mitigation Commentary\n\nReport\nField ID\n\n5.001\n\nReport Label\n\nWhen to Include\n\nDisaster\nMitigation\nCommentary\n\nRequired if the\nDisaster Mitigation\nsection displays\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nCommentary could include information pertinent to the Disaster Mitigation\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n"}
diff --git a/chunks/json/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.json b/chunks/json/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.json
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index 0000000000000000000000000000000000000000..641c765a0e9b28730d749338c5a107ba34c69a48
--- /dev/null
+++ b/chunks/json/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":111527,"char_start":109858,"chunk_id":"chk_47b909fe3a8e7684","chunk_index":58,"chunk_sha256":"be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</CLOSING_ADJUSTMENT_ITEM_DETAIL>\n <CLOSING_ADJUSTMENT_ITEM_PAID_BY>\n\n<LEGAL_ENTITY>\n\n<LEGAL_ENTITY_DETAIL>\n\n<FullName>Acme </FullName>\n\n</LEGAL_ENTITY_DETAIL>\n\n</LEGAL_ENTITY>\n\n</CLOSING_ADJUSTMENT_ITEM_PAID_BY>\n\n</CLOSING_ADJUSTMENT_ITEM>\n </CLOSING_ADJUSTMENT_ITEMS>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 44 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nE. DEPOSIT AND GENERAL CLOSING DATA\n\n1. DEPOSIT\n\nThe second child container of CLOSING_INFORMATION is CLOSING_COST_FUNDS, which holds one line item required in\nall XML files—the deposit. Even though the deposit on the sales contract also a line item in the purchase transaction Cash to\nClose table, a different, CD-specific data point is used there (see V.E.2.a. Data Points Supporting the Cash to Close Table for a\nPurchase).\n\nTable 24. XML File Container Structure for Deposit and General Closing Data.\n\nUCD UIDs Containers\n\nUCD Usage Notes\n\n999.069\n\nCLOSING_INFORMATION\n\n(parent of CLOSING_COST_FUNDS)\n\n10.028\n\nCLOSING_COST_FUNDS\n\nHolds one of more sets of closing cost fund data points. In UCD v2.0, one instance is required\nfor all purchases.\n\n999.102\n\nCLOSING_COST_FUND\n\nHolds data points to be used with a purchase for the deposit or earnest money\n\nThere are three scenarios affecting how the deposit on the sales contract should be provided in the XML file when\n\nLoanPurposeType = “Purchase”.\n\na. The most likely scenario is that the total of any deposit amount that is paid to the seller, or held in trust or escrow\nby an attorney or other party under the terms of the sales contract, is provided using the data point FundsType =\n“DepositOnSalesContract”.\n"}
diff --git a/chunks/json/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.json b/chunks/json/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.json
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index 0000000000000000000000000000000000000000..83dce93c226b510b67c388bb61327bc55768d061
--- /dev/null
+++ b/chunks/json/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29309,"char_start":27503,"chunk_id":"chk_7688c727aa840628","chunk_index":9,"chunk_sha256":"be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f","token_estimate":449,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q18. When will the UCD Upload Summary and UCD Findings Reports be made available?**\n\nFannie Mae will provide an Upload Summary Report for all individual and batch files and will also provide a Findings Report for each uploaded UCD file. These reports will be available via the UCD collection solution shortly after clicking ‘Submit’ (i.e., the reports will display on the UCD File Upload page). Both reports can be printed and/or saved in a PDF format.\n\n**Q19. Will the UCD Upload Summary and UCD Findings Reports be the same for a single UCD file submission versus a batch submission?**\n\nYes. The UCD Upload Summary Report and UCD Finding Report(s) will be the same regardless of whether it is a single UCD file submission or a batch upload. Users can either upload a single XML file or create a ZIP file containing multiple UCD files and upload as a batch UCD file submission.\n\n**Q20. Will the user be able to download the UCD Findings Report?**\n\nYes, you can download the UCD Findings Report in a PDF format.\n\n**Q21. If there is an issue generating the UCD Findings Report for one or more UCD files that are part of a batch submission, will the entire batch file be rejected? If yes, will there be messaging to inform me that the UCD file was not imported?**\n\nThe Upload Summary Report will indicate successful and unsuccessful submissions. Individual successful file uploads within the batch upload will receive a UCD Findings Report.\n\n**Q22. Why is the DU casefile ID assigned in DO an invalid Casefile ID in UCD?**\n\nIf the loan was originated in Desktop Originator® (DO®) it must be transferred to DU prior to submitting the UCD. DO provides a preliminary approval and therefore, the loan should have a final approval in DU for the casefile ID to be valid for a successful UCD submission.\n"}
diff --git a/chunks/json/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.json b/chunks/json/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.json
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index 0000000000000000000000000000000000000000..6d962a6658dfce4a276d0ed8c2e97fe48857d826
--- /dev/null
+++ b/chunks/json/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":229806372,"char_start":0,"chunk_id":"chk_d383b8a4cb279e45","chunk_index":0,"chunk_sha256":"be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4","date_utc":"2026-01-27T18:00:14+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_83da09bcd910756c","text_sha256":"be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4","token_estimate":1000,"warnings":["source_path=fha_uad_puf_combined_v1_0_csv/_.csv/fha_uad_puf_v1_0.csv","exceeds_max_chunk_chars_truncated"]},"text":"record_id: 2100042083000 | year: 2021 | weight: 20 | state_fips_2010: 34 | state_fips_2020: NA | county_fips_2010: 34005 | county_fips_2020: NA | tract_fips_2010: 34005702603 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 215000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 255000 | sales_range_low: 155000 | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 2 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 2700 | average_adjustment: 4808 | adjusted_price: 195000 | number_comparables: 4 | same_tract_percent: 67 | calculated_proximity: 0.32 | reported_proximity: 0.33 | value_sale_comparison: 195000 | value_cost: 205000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: 87.3 | comparison_to_contract: 87.3\nrecord_id: 2100004579000 | year: 2021 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39061 | county_fips_2020: NA | tract_fips_2010: 39061008202 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 165000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 1 | quality: 3 | condition: 3 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: 1120 | average_adjustment: 2415 | adjusted_price: 175000 | number_comparables: 4 | same_tract_percent: 83 | calculated_proximity: 0.22 | reported_proximity: 0.22 | value_sale_comparison: 165000 | value_cost: 195000 | value_income: NA | appraised_value: 165000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 2100035404000 | year: 2021 | weight: 20 | state_fips_2010: 18 | state_fips_2020: NA | county_fips_2010: 18017 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 85000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: 5300 | average_adjustment: 1377 | adjusted_price: 85000 | number_comparables: 1 | same_tract_percent: 67 | calculated_proximity: 0.51 | reported_proximity: 0.51 | value_sale_comparison: 85000 | value_cost: NA | value_income: NA | appraised_value: 85000 | appraisal_to_contract: 103.8 | comparison_to_contract: 103.8\nrecord_id: 2100038234000 | year: 2021 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26023 | county_fips_2020: NA | tract_fips_2010: 26023951200 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 75000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 105000 | sales_range_low: 65000 | updated_last_15_years: 1 | lot_size: 4 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 3 | gross_living_area: 3 | median_adjustment: -1295 | average_adjustment: -101 | adjusted_price: 75000 | number_comparables: 5 | same_tract_percent: 75 | calculated_proximity: 3.13 | reported_proximity: 3.12 | value_sale_comparison: 75000 | value_cost: 85000 | value_income: NA | appraised_value: 75000 | appraisal_to_contract: 100 | comparison_to_contract: 100\nrecord_id: 2100040036000 | year: 2021 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26099 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 215000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 9 | quality: 4 | condition: 3 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -4800 | average_adjustment: -3580 | adjuste\n"}
diff --git a/chunks/json/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.json b/chunks/json/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.json
new file mode 100644
index 0000000000000000000000000000000000000000..0b53b9cd36d36184c9d6fbd660a2ee8767b8f8ed
--- /dev/null
+++ b/chunks/json/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":273853,"char_start":272063,"chunk_id":"chk_e575a672f208b391","chunk_index":156,"chunk_sha256":"be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98","token_estimate":447,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"</PAYMENT_RULE>\n\n</PAYMENT>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 123 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nV. LOAN TERMS DATA\n\nThis chapter discusses XML file data requirements for refinance and note terms data. The data is organized into two\ncontainers under LOAN as we continue to move through the categories of data describing the loan.\n\nTable 62. XML File Container Structure for Loan Terms Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.259\n\nREFINANCE\n\n999.260\n\nTERMS_OF_LOAN\n\nHolds data points describing refinance characteristics. UCD v2.0 specifies\none GSE-specific data point—RefinanceSameLenderIndicator is collected.\n\nHolds data points describing the loan terms (rates, note amount, lien\nposition, etc.). UCD v2.0 contains one GSE-specific data point—\nLienPriorityType.\n\n1. REFINANCE AND LIEN POSITION DATA\n\nThe one detail about the refinance in the XML file is whether the subject loan is being refinanced with the current loan\nholder, servicer or an affiliate of either. This is a GSE-required data point and is not rendered on the CD. LienPriorityType,\nanother GSE-required data point to indicate the loan’s lien position, is also in TERMS_OF_LOAN.\n\nTable 63. UCD v2.0 Excerpt - Note Terms - GSE Specific Data Requirements.\n\nUCD UID\n\nMISMO v3.3.0 Data Point\n\nMISMO v3.3.0 Value\n\nImplementation Notes\n\n3.036\n\nRefinanceSameLenderIndicator\n\nfalse\n\nEnter “true” for all refinances.\n\n3.016\n\nLienPriorityType\n\nFirstLien\n\nOnly “FirstLien” is accepted.\n\n2. NOTE AMOUNTS\n\na. Assumed Loan\n\nIf LoanPurchaseType = “Purchase” and the borrower is assuming the seller’s loan, the amount assumed is captured in the\ndata point “AssumedLoanAmount”. When more than one loan is being assumed, provide the total amount of all outstanding\nloans.\n"}
diff --git a/chunks/json/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.json b/chunks/json/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.json
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index 0000000000000000000000000000000000000000..c8ee3b98c9602866b22103e0b2f79508d143707a
--- /dev/null
+++ b/chunks/json/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":357808,"char_start":356026,"chunk_id":"chk_0b289e0f060f02e9","chunk_index":198,"chunk_sha256":"be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748","token_estimate":446,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Note: Unless specifically noted in the above table, all references to manufactured homes may be single-section, multi-section, or a\ncombination of both.\n\nStandard PERS Submission Process\n\nThe standard PERS submission process is described below:\n\nStep\n\nAction\n\n1.\n\n2.\n\nThe lender performs a review to determine if the project satisfies all applicable Fannie Mae project eligibility\nand underwriting requirements of the Full Review process prior to submission to PERS.\n\nSee below for additional lender pre-PERS submission review requirements\n\n•\n•\n\nfor newly converted non-gut rehabilitation condo projects, and\nfor projects consisting of manufactured homes.\n\nThe lender completes a project submission package, that includes:\n\n• Project Eligibility Review Service Document Checklist (Form 1030) for condo projects or Project\nEligibility Review Service Document Checklist - Co-op Projects (Form 1078) for co-op projects.\nApplication for Project Approval (Form 1026).\n\n•\n• An appraisal report for a representative unit in the project meeting the following requirements:\n\no The effective date of the appraisal report must be within 120 days of the PERS application.\no The appraisal report must include photographs of the project, including:\n\nthe entire front of the building where the representative unit is located,\n\nrecreational amenities,\n\n▪\n▪ private streets,\n▪\n▪ parking,\n▪\n▪\n\ncommercial space, and\ncommon areas.\n\nSee below for additional forms that may be required.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 139 of 166\n\nUAD 3.6 Policy\n\nStep\n\nAction\n\nThe condo project's legal documents must comply with the Fannie Mae's requirements listed in Selling\nGuide B4-2.2-03, Full Review: Additional Eligibility Requirements for Units in New and Newly Converted Condo\nProjects.\n"}
diff --git a/chunks/json/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.json b/chunks/json/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..cd1b69ba16918e61325d06e2ba62bf35323d63c3
--- /dev/null
+++ b/chunks/json/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":179616,"char_start":177904,"chunk_id":"chk_f23aa78b4604fcc2","chunk_index":99,"chunk_sha256":"be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Equity Loan” will be rendered for the CD field 3.3 “Product”.\n\nFigure 53. Rendering IntegratedDisclosureHomeEquityLoanIndicator = \"true\" on the CD.\n\n3.0 Loan Information\n\n3.3 Product Home Equity Loan\n\nb. CD Disclosure Date Data\n\nThe date the CD was mailed or delivered to the borrower is provided in CD field 1.1 “Date Issued”.\n\nFigure 54. Rendering IntegratedDisclosureIssuedDate on the CD.\n\n1.0 Closing Information\n\n1.1 Date Issued\n\n04/18/2024\n\nc. Escrowed and Non-Escrowed First Year MI and Property Cost Data\n\nThe borrower’s property taxes and mortgage insurance premiums are escrowed and cost $3,500 for the first year.\n\nHomeowners Insurance and Association Dues, at a yearly cost of $1,750, are not escrowed.\n\nFigure 55. Rendering Property Cost Data on the CD Escrow Account Table when EscrowIndicator = “true”.\n\n18.0 Escrow Account\n\nEscrow\n\nEscrowed Property Costs over Year 1\n\n18.2\n\n$3,500.00\n\nNon-Escrowed Property Costs over Year 1 18.3\n\n$1,750.00\n\nEstimated total amount over year 1 for\nyour escrowed property costs:\n18.2.1\n\nEstimated total amount over year 1 for\nyour non-escrowed property costs:\n18.3.1\n\nIf the borrower instead had elected to decline an escrow account, both costs above are used to populate “Estimated\nProperty Costs Over Year 1” under the “No Escrow” heading with a value of “5250.00”, the sum of all annual property costs\n\nUCD v2.0 Implementation Guide\n\n- 77 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nnot being escrowed. If applicable, the ucd:FeeItemType value “EscrowWaiverFee” with the amount of the fee must also be\ndelivered as paid by borrower at closing. See Escrow Payments at Closing Data for guidance on providing additional data\npoints.\n"}
diff --git a/chunks/json/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.json b/chunks/json/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.json
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index 0000000000000000000000000000000000000000..0d319f1bd96e8ef1b5cd355b7786f41fdd960d0a
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+++ b/chunks/json/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.json
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+{"chunk":{"char_end":142332,"char_start":140664,"chunk_id":"chk_424ff532f0afb0e4","chunk_index":83,"chunk_sha256":"be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec","token_estimate":417,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/INTERIOR_FEATURE[@_Type='Fl\noors']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/INTERIOR_FEATURE[@_Type='W\nalls']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/INTERIOR_FEATURE[@_Type='Tri\nmAndFinish']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/INTERIOR_FEATURE[@_Type='Ba\nthroomFloors']/@_ConditionDescription\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/INTERIOR_FEATURE[@_Type='Ba\nthroomWainscot']/@_ConditionDescription\n\n164\n\nIMPROVEMENTS\n\nAttic\nNone\n\nAttic Exists Indicator\n\nIndicates that the structure has an\nattic.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/@_ExistsIndicator\n\n165\n\nIMPROVEMENTS\n\nAttic\nDrop Stair\n\nAttic Feature Exists\nIndicator\n\nIndicates if the feature specified in\nAttic Feature Type is present in the\nstructure.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/ATTIC/ATTIC_FEATURE[@_Type\n='DropStair']/@_ExistsIndicator\n\n1\n\n1\n\n1\n\n25\n\n25\n\n25\n\n25\n\n25\n\n25\n\n25\n\n20\n\n20\n\n20\n\n20\n\n20\n\n1\n\n1\n\nBoolean\n\nA value of 'Y' indicates that an infestation exists, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that dampness exists, a value of 'N' indicates that the\nbox has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that settlement exists, a value of 'N' indicates that the\nbox has not been checked.\n\nString\n\nThis field should contain a description of the materials and condition of the\nfoundation walls.\n\nString\n\nThis field should contain a description of the materials and condition of the\nexterior walls.\n\nString\n\nThis field should contain a description of the materials and condition of the\nroof surface.\n"}
diff --git a/chunks/json/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.json b/chunks/json/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.json
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+++ b/chunks/json/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":279652,"char_start":278029,"chunk_id":"chk_0f08db7cd1262ada","chunk_index":155,"chunk_sha256":"be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b","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":"• borrower(s) name, property address, effective date of the appraisal, appraiser name, and date of the\n\nROV;\nidentification and description of unsupported, inaccurate, or deficient areas in the appraisal report;\nadditional data, information, or comparable properties, not to exceed the maximum of five;\na definition of turn-time expectations for communicating ROV results;\n\n•\n•\n•\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 106 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n\ninclude instructions for delivering the ROV response as part of a revised appraisal report that includes\ncommentary on conclusions in the Revision History regardless of the outcome; and\na reference for appraisers on how to correct minor appraisal issues or non-material errors not related to\nthe ROV process.\n\nensure documentation related to the outcome of the ROV is retained in the loan file.\n\nIf material deficiencies identified in the appraisal report are not corrected or addressed by the appraiser upon request, or if there\nis evidence of any unacceptable appraisal practices detailed in SB4-1.1-04, Unacceptable Appraisal Practices, the lender must\nforward the appraisal report and summary of findings to the appropriate appraisal licensing agency or regulatory board. The\nlender must also report suspected overt violations of anti-discrimination laws to the proper local, state, or federal agency. In the\nevent of these occurrences, the lender may obtain a second or subsequent appraisal report.\n\nNote: After a loan has closed, an ROV request is no longer allowed to be submitted by the borrower.\n\nFannie Mae’s Referrals to State Appraiser Boards\n"}
diff --git a/chunks/json/be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7.json b/chunks/json/be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7.json
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+{"chunk":{"char_end":73490,"char_start":72339,"chunk_id":"chk_7880736b9ba03ac5","chunk_index":39,"chunk_sha256":"be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7","token_estimate":401,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"BILLING CODE 8070–01–P\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00051 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\n41190\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00052 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n9\n0\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41191\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00053 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n0\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n\n41192\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00054 Fmt 4703 Sfmt 4725 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\n/\n\n>\nH\nP\nG\n<\n1\n1\n0\n.\n0\n1\nY\nJ\n5\n1\nN\nE\n"}
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index 0000000000000000000000000000000000000000..07076c6f2df3fb0d582523b6438b659415439a06
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+++ b/chunks/json/be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26293,"char_start":25595,"chunk_id":"chk_01050a25f04d46e5","chunk_index":34,"chunk_sha256":"be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2","token_estimate":608,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Assignment Information Exhibits ............................................................................................................................................................................................. 103\n\nAssignment – Arcrole Relationships ......................................................................................................................................................................................... 103\n\n03 Subject Property ............................................................................................................................................................................................................................. 106\n"}
diff --git a/chunks/json/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.json b/chunks/json/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.json
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index 0000000000000000000000000000000000000000..f9da715b20f680e7a6929615122445040df96b21
--- /dev/null
+++ b/chunks/json/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13804,"char_start":12404,"chunk_id":"chk_d410945c440dc85c","chunk_index":7,"chunk_sha256":"be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_695cc136fc0a3824","text_sha256":"be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_gssm7.md"]},"text":"March 18, 2024\n\n## [Working Paper 24-03: The Lock-In Effect of Rising Mortgage Rates](/research/papers/wp2403)\n\nPeople can be “locked-in” or constrained in their ability to make appropriate financial changes, such as being unable to move homes, change jobs, sell stocks, rebalance portfolios, shift financial accounts, adjust insurance policies, transfer investment profits, or inherit wealth. These frictions...\n - Staff Working Papers\n\nMarch 13, 2024\n\n## [Working Paper 24-02: Measuring Homeownership Sustainability for First-Time Homebuyers](/research/papers/wp2402)\n\nHomeownership is often expressed as a simple static number. Most reports or studies are unable to track a homeowner over time and they cannot follow a person after a home is sold to see what happens next. We craft new and dynamic statistics based on first-time homebuyers (FTHBs) using a nationally...\n - [1](?category%5B961%5D=961&page=0)\n - [2](?category%5B961%5D=961&page=1)\n - [3](?category%5B961%5D=961&page=2)\n - [4](?category%5B961%5D=961&page=3)\n - [5](?category%5B961%5D=961&page=4)\n - [6](?category%5B961%5D=961&page=5)\n - [7](?category%5B961%5D=961&page=6)\n - [8](?category%5B961%5D=961&page=7)\n - [Next](?category%5B961%5D=961&page=1)\n - [Last](?category%5B961%5D=961&page=7)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"}
diff --git a/chunks/json/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.json b/chunks/json/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.json
new file mode 100644
index 0000000000000000000000000000000000000000..1036dfc94a72aaceed8bd1605be59b4dd7b437c5
--- /dev/null
+++ b/chunks/json/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":27562,"char_start":25842,"chunk_id":"chk_4d4b95ca722a218f","chunk_index":17,"chunk_sha256":"be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"1. Integrated Disclosure\n\n1. Integrated Disclosure Subsection Type =\n\nTolerance Cure\nAmount\n\nSubsection Type = \"Lender\nCredits\"\n\n2. Lender must provide a\n\ntolerance cure\n\n\"Lender Credits\"\n\n2. Lender must provide a tolerance cure\n3. Integrated Disclosure Subsection\n\nPayment Amount ≠ \"0\")\n\nUpdated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5)\n\nPhase UID\n\nData Point +\nEnum\n\nForm Field\nName / Context\n\nUCD v1.5 Specification\n\nSuperseding CEM Requirement\n\n1\n\n1\n\n1\n\n4.039 Average Prime\n\nOffer Rate Percent\n\n12.004 APR Percent\n\n7.087 Regulation Z\n\nExcluded Bona\nFide Discount\nPoints Indicator\n\n1\n\n7.088 Regulation Z\n\nExcluded Bona\nFide Discount\nPoints Percent\n\nGSE – Reg Z /\nQM\n\nGSE Specific –\nReg Z / QM\n\nGSE – Reg Z /\nQM\n\nMust exist for all loans\n\nMust exist for all loans\n\nMust exist for all loans\n\nGSE – Reg Z /\nQM\n\nRegulation Z Excluded Bona Fide\nDiscount Points Indicator = \"true\"\n\n1. Must exist for all loans\n2. Must be greater than \"0\"\n\n1. Must exist for all loans\n2. Must be greater than \"0\"\n\n1. Must exist for all loans\n2. Fee Type = \"Loan Discount\n\nPoints\"\n\n3. Fee Total Percent is greater\n\nthan “0”\n\n1. Regulation Z Excluded Bona\n\nFide Discount Points Indicator =\n\"true\"\n\n2. Fee Total Percent is greater\n\nthan \"0\"\n\n1\n\n4.034 Regulation Z Total\n\nLoan Amount\n\nGSE – Reg Z /\nQM\n\n1. Must exist for all loans\n2. Must be > = “0”\n\n1. Must exist for all loans\n2. Must be greater than “0”\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n"}
diff --git a/chunks/json/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.json b/chunks/json/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.json
new file mode 100644
index 0000000000000000000000000000000000000000..d0ce340f0040ac2f5498569dd4d260f8cd63d792
--- /dev/null
+++ b/chunks/json/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":144433,"char_start":142677,"chunk_id":"chk_11902d700776d29a","chunk_index":163,"chunk_sha256":"be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f","token_estimate":439,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Example\n\nOccurrences of PartyRoleType in XML\n\n[Role]/[Role] - Examples\n\nHow to Display Subheading\n(2.010/2.011)\n\nReference in This Chapter\n\nThe lender is the client − PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”\n− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Lender”\n\nClient/Lender\n\nThe AMC is the client − PartyRoleType (UID: 2400.0018, FID: 2.010 = “Client”\n\n− PartyRoleType (UID: 2400.0017, FID: 2.011) = “ManagementCompany”\n\nClient/Appraisal Management\nCompany\n\nAnother entity -\nAttorney\n\n− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”\n− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Attorney”\n\nClient/Attorney\n\nClients\n\nClients\n\nClients\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nExample\n\nOccurrences of PartyRoleType in XML\n\n[Role]/[Role] - Examples\n\nHow to Display Subheading\n(2.010/2.011)\n\nReference in This Chapter\n\nAnother entity -\nInvestor\n\n− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”\n− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Investor”\n\nClient/Investor\n\nClients\n\nAnother entity - Client\n\n− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”\n− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Other”\n\nPartyRoleTypeOtherDescription (UID: 2400.0077, FID: 2.011)\n\nClient/[Other Description]\n\nClients\n\nThe AMC is not the\nclient\n\n− PartyRoleType (FID: 2400.0300, UID: 2.010) = “ManagementCompany” Appraisal Management Company\n\nWhen Lender/AMC is not the\nClient\n\nPage 87\n\nExample showing Client/Lender and AMC\nIn this example, credentials (licensing information) are reported for the AMC. (Figure 2 - 2)\n\nFigure 2 - 2\n\nAlthough the information is similar for clients and non-clients, the data points are different and clients require an additional PartyRoleType,\ntherefore they are split out in this document.\n"}
diff --git a/chunks/json/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.json b/chunks/json/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.json
new file mode 100644
index 0000000000000000000000000000000000000000..42e686c10be44c63cc896ff14d05b6cb3718c6b6
--- /dev/null
+++ b/chunks/json/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":734499,"char_start":732898,"chunk_id":"chk_f86af43029e2d794","chunk_index":435,"chunk_sha256":"be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nString\n\nString\n\nString\n\nString\n\nString\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 133 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\n93\n\n1\n\ne-5\n\nPROJECT SITE\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_\nRATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC\nTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral\nlRatingType\n\nUAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form for the subject property, and must\nbe represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Site Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nData Field\nConditionality\n"}
diff --git a/chunks/json/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.json b/chunks/json/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.json
new file mode 100644
index 0000000000000000000000000000000000000000..290628cbf657f8964e0bf0a50c05f132e18354c2
--- /dev/null
+++ b/chunks/json/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9801,"char_start":7092,"chunk_id":"chk_38639e2bfa21c91d","chunk_index":4,"chunk_sha256":"be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_feefb2b116bd5df7","text_sha256":"be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a","token_estimate":675,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Annual_Performance_Plan___U_S__FEDERAL_HOUSIN_nwzhtb.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# FHFA Annual Performance Plan\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FHFA Annual Performance Plan\n\nReport Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n"}
diff --git a/chunks/json/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.json b/chunks/json/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..40b012d5077261d783c7f808bb3c57235b9660bc
--- /dev/null
+++ b/chunks/json/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13312,"char_start":11689,"chunk_id":"chk_c685d361589753ce","chunk_index":7,"chunk_sha256":"be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 7 of 29\nPage 7 of 29\n\nUnit Interior - Building 1 - Unit 1\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n864 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nAssessor Record\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nTenant\nYes\n2\n1\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n864 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n2 - Bedroom\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ5\n\nInterior Condition Rating\n\nC4\n\nThe tables below support the Interior Quality and Interior Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nPartially Updated\n\n5–10 years\n\nQuality Comment\nThe stove is fully\nfunctional but\nconsidered outdated,\nundersized and does\nnot meet current\nstandards in the market.\n\nBasic quality cabinetry\nand fixtures\n\nCondition Status\nDamaged and\nFunctional\n\nTypical Wear and Tear\n\nCondition Comment\nSome cabinet hardware\nand cabinet fronts\nmissing exhibiting\nmoderate wear and\ntear.\n\nNewer laminate floor\ninstalled. Some cabinet\nhardware missing.\n\nCheck #A\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nDetail\nCarpet\n\nLaminate\n\n8 Ft. | Flat\n\nQuality Comment\nCommercial grade carpeting\n\nCondition Status\nNew or Like New\n"}
diff --git a/chunks/json/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.json b/chunks/json/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef23f7c08f9bb9e12605b3bb922738200638f86a
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+++ b/chunks/json/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.json
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+{"chunk":{"char_end":5151,"char_start":5118,"chunk_id":"chk_236a0c1f2974bb43","chunk_index":3,"chunk_sha256":"be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_65b5a11c34b6e13c","text_sha256":"be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811","token_estimate":12,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-may-17-2025.pdf","below_target_min_tokens"]},"text":"© 2025 Fannie Mae 5.2.25\n\n2 of 2\n"}
diff --git a/chunks/json/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.json b/chunks/json/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..45c0537c699aefc0be941393d1f65f4dc39460c3
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+++ b/chunks/json/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":764182,"char_start":762538,"chunk_id":"chk_b0a836c2f2f842de","chunk_index":455,"chunk_sha256":"bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4","token_estimate":411,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Noncontinuous Finished Area\n\nAbove grade finished area(s), not designated as an accessory dwelling unit (ADU), and attached to the dwelling with\nno direct interior access. Example: Family room or other finished area attached to or above an attached garage that is\nonly accessible through the garage.\n\nOutbuilding\n\nA building other than the dwelling (e.g., barn, shed, bunkhouse, or standalone ADU). A portion of the outbuilding may\ncontain ADUs or other finished space. An ADU not attached to the residence is considered to be an outbuilding.\n\nPhysical Measurement\n\nAn onsite measurement to determine square footage of the subject improvements.\n\nPlanned Unit Development\n(PUD)\n\nProperty Data Report\n\nA subdivision that consists of common property and improvements that are owned and maintained by a homeowners\nassociation (HOA) for the benefit and use of the individual PUD unit owners. A unit owner in the PUD has title to a\nresidential property (parcel and dwelling) and an interest in the HOA that owns or manages the common areas and\nfacilities of the PUD.\n\nThe accumulation of factual information collected from the observation of a residential property that is completed\nspecifically for mortgage purposes, whether in the form of data or a report. This is limited to property characteristics\nand does not include opinions of value.\n\nNote: Tax records and MLS listings are data sources and do not constitute a property data report.\n\nProperty Management Company\n\nA company contracted by the board of directors of a homeowners association (HOA) to manage maintenance and\nupkeep of the common elements in a PUD, condo, cooperative, or condop.\n"}
diff --git a/chunks/json/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.json b/chunks/json/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.json
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+++ b/chunks/json/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.json
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+{"chunk":{"char_end":128648,"char_start":126997,"chunk_id":"chk_d642987c71a1aed6","chunk_index":72,"chunk_sha256":"bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Detailed list of shared data\nelements, definitions, format,\nconditionality and cardinality\nGSE-specific:\nConditionality\nCardinality\nValid values\nLoan delivery system screen names\nand mapping\nUsage guidance\n\nInformation\ntechnology staff\nand project\nmanagers of large\nlenders and\nvendors\n\nScope the project to create\nthe XML import file\nUnderstand fundamental\nXML concepts underlying\nthe new data set\nUnderstand the underlying\nMISMO data population\n\nData architects and\nmodelers\nApplication\ndevelopers\n\nUnderstand the scope of the\ndata population\nIdentify source systems\nMap internal data to new\nloan delivery data set\n\nAppendix B: Test Case\nScenarios\n\nAppendix C: XML\nSamples\n\nThe same narrative descriptions of\nvarious loan delivery transactions\nas the ULDDS, with tables\nillustrating how the scenarios would\nbe communicated to the specific\nGSE using the GSE-specific loan\ndelivery data set.\n\nBusiness\nstakeholders and\nanalysts\nTechnology\nstakeholders\nProject team\nmembers\n\nThe representation of the MISMO\ndata identified in the usage\nscenarios of Appendix B in working\nXML files\n\nApplication\ndevelopers\n\nAppendix D: XML Data\nRequirements\nReference Tool\n\nAn Excel version of the ULDDS\ndata requirements, including a more\neasily understood rendering of the\nPARTY container requirements\nBusiness partners can cut and\npaste columns from either GSE’s\nversion to perform comparisons\n\nBusiness\nstakeholders and\nanalysts\nProject team\nmembers\nDevelopers\n\nFamiliarize team members\nwith MISMO data names,\ndefinitions, and usage\n\nMeasure technical team’s\nunderstanding of how to\ncreate XML files using the\nnew data set\nTemplate for actual loan\ndelivery XML files\n"}
diff --git a/chunks/json/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.json b/chunks/json/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.json
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index 0000000000000000000000000000000000000000..7dbea531ff898d81fa749edfd8f5de55853dcd76
--- /dev/null
+++ b/chunks/json/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":218535,"char_start":216930,"chunk_id":"chk_f68c970a7420dffa","chunk_index":110,"chunk_sha256":"beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.6.3 Property Taxes must always be listed as the first item.\n\n5.6.4 Homeowners Insurance premiums and similar charges required by the creditor must always be listed as\nthe second item.\n\n5.6.5 Other indicates one or more fees and special assessments imposed by a condominium, cooperative, or\nhomeowner’s association, ground rent and leasehold payments.\n\na. PROPERTY TAXES AND H OMEOWNERS I NSURANCE\n\nFigure 68 illustrates a loan which has only Property Taxes and Homeowners Insurance as additional payment\ncomponents. The assumption is that each line item represents only one amount. There is no other property cost\nitem so 5.6.5 Other remains blank.\n\n5.0 Projected Payments\n\n5.6 Estimated Taxes, Insurance\n& Assessments\nAmount can increase over time\nSee page 4 for details\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other\n\n5.6.1 $356\n5.6.2 a month\n\nIn escrow?\nYES\nNO\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 68. Property Taxes and Homeowner’s Insurance-One Cost Item Each\n\nThe following table provides the supporting UCD data points. ESTIMATED_PROPERTY_COST_COMPONENT\nrepeats once for each property cost component.\n\nTable 85. Property Taxes and Homeowner’s Insurance-One Cost Item Each\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst instance of ESTIMATED_PROPERTY_COST_COMPONENT\n\n5.6.3\n\nThis estimate\nincludes: \nProperty Taxes\n\n5.6.3\n\nIn escrow?\n\n…/ESTIMATED_PRO\nPERTY_COST/ESTI\nMATED_PROPERTY\n_COST_COMPONE\nNTS/ESTIMATED_P\nROPERTY_COST_C\nOMPONENT\n"}
diff --git a/chunks/json/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.json b/chunks/json/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.json
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index 0000000000000000000000000000000000000000..88be3679eb15d0f764028efe86050b011cafb640
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+++ b/chunks/json/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4988,"char_start":3373,"chunk_id":"chk_b88a21a83a245014","chunk_index":2,"chunk_sha256":"beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9","token_estimate":404,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"This is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 30\nPage 2 of 30\n\npage break\n\nbefore\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nRefinance\nHarry James\nJennifer James\n\nCurrent Owner of Public Record Harry James\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nYes No\n \n\nJennifer Jones\n\nAppraiser Fee\n\n$0\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nXYZ Lending Inc.\n239 Spooky St\nAnytown, VA 20141\n\nAnnie Appraiser\nOverall Appraisal Services\n123 Diagonal St\nAnytown, VA 20141\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/25/2019\n\nSupervisory Appraiser\n\nName\nCompany Name\nCompany Address\n\nArthur Appraiser\nOverall Appraisal Services\n123 Diagonal St\nAnytown, VA 20141\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n9898989898-000034\nVA\n01/31/2020\n\nCertified Residential\n9898989898-000299\nVA\n02/28/2020\n\nAssignment Information and Scope of Work Commentary\n"}
diff --git a/chunks/json/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.json b/chunks/json/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.json
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index 0000000000000000000000000000000000000000..367f87259f91a9f8c16a5d6d5ee02290cce993f6
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+++ b/chunks/json/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":400928,"char_start":399305,"chunk_id":"chk_f5418597a9f21af8","chunk_index":316,"chunk_sha256":"beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o Comps 1, 2, 5, 8, and 9 are used for both subject property units\n\n▪ Comps 3 and 6 are only used for Unit 1\n▪ Comps 4 and 7 are only used for Unit 2.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 23 - 5\n\nPage 312\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nHeading at the top of each Comparable Rental Analysis\n\nThe heading at the top of each rental comparison grid provides context as to the subject property unit and its associated rental comparable\nunits.\n\nPage 313\n\nRental Information: Comparable Rental Analysis – Column Heading at the top of each Rental Comparison Grid\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nReport\nField ID\n23.03.01\n\nSubject\n\n0700.0114\n\nUnitIdentifier\n\n23.03.24\n\n#\n\n2000.0078\n\nPropertyOrdinalNumber\n\nRows in Comparable Rental Analysis\n\nIf populated, redisplays from 23.01.01, 23.01.12, and 23.01.19.\nFor each rental comparable being compared to the subject unit, redisplays\nfrom 23.02.02. Display comparables in numerical order, left to right.\n\nReference “Supplement – Approaches to Value Grids” spreadsheet for more information.\n\nComparison to Subject Unit\n\nSome features (rows) in Comparable Rental Analysis require a comparison to the subject unit (Similar, Superior, Inferior) instead of\nreporting the specific characteristics of the comparable unit. (Figure 23 - 3) These are noted in “Supplement – Approaches to Value\nGrids”, (Rental Comp Grid tab), with a checkmark in column G.\n\n• Project Common Amenities/Services\n• Site Influence\n• View from Unit\n• Vehicle Storage | Spaces\n• Overall Comparison to Subject\n\nAppendix B-1: URAR Implementation Guide v1.3\n"}
diff --git a/chunks/json/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.json b/chunks/json/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.json
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index 0000000000000000000000000000000000000000..7ebf932b5a8b68565d7701b1abd38ac41df49c4f
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+++ b/chunks/json/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.json
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+{"chunk":{"char_end":66288,"char_start":64654,"chunk_id":"chk_d01725588ec0ccaa","chunk_index":36,"chunk_sha256":"beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The following table summarizes some of the specific underwriting criteria that must be applied depending on the details of any\nnon-mortgage financing for the solar panels.\n\nIf the solar panels are...\n\nThen the lender must...\n\nFinanced and collateralized -- the solar panels are\ncollateral for the separate debt used to purchase the\npanels, but they are a fixture to the real estate because a\nUCC fixture filing* has been filed for the panels in the real\nestate records\n\nFinanced and collateralized -- the solar panels are\nreported to be collateral for separate (non-mortgage) debt\nused to purchase the panels, but do not appear on the title\nreport\n\n• Obtain and review the credit report, title report,\nappraisal report, and/or UCC fixture filing*,\nrelated promissory note and related security\nagreement that reflect the terms of the secured\nloan;\n\n•\n\nInclude the debt obligation in the DTI ratio\ncalculation;\n\n• Provided that the panels cannot be repossessed\nfor default on the financing terms, instruct the\nappraiser to consider the solar panels in the value\nof the property (based on standard appraisal\nrequirements); and\n\n•\n\nInclude the solar panels in other debt secured by\nthe real estate in the CLTV ratio calculation\nbecause a UCC fixture filing* is of record in the\nland records.\n\nNote: If a UCC fixture filing* is in the land records as a\npriority senior to the mortgage loan, it must be\nsubordinated.\n\n• Obtain and review documentation sufficient to\nconfirm the terms of the secured loan (such as\ncopies of the credit report, title report, any UCC\nfinancing statement, related promissory note or\nrelated security agreement);\n"}
diff --git a/chunks/json/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.json b/chunks/json/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.json
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index 0000000000000000000000000000000000000000..846c561bc9e1391f0c2e01e92be55e9b9f184471
--- /dev/null
+++ b/chunks/json/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.json
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+{"chunk":{"char_end":12765,"char_start":11128,"chunk_id":"chk_8d99c1ce0d373600","chunk_index":7,"chunk_sha256":"beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8","token_estimate":410,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2024-045 Clarified that more than one Amenity Feature (22.12.03, 22.12.10) may be selected.\n\n2024-025\n\nUpdated the ‘Definition / Additional Guidance’ column for Dedicated Parking Spaces and Vehicle Storage Area (22.13.01,\n22.13.05).\n\n2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the Rental Comparison Grid.\n\n2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the GRM Comparison Grid.\n\n2024-030\n\nClarified that the appraiser must provide Gross Building Finished Area for the subject property (24.003) if the row is\nincluded in the GRM comp grid.\n\n22 Sales\nComparison\nApproach\n\n23 Rental\nInformation\n\n24 Income\nApproach\n\n25 Cost Approach 2024-022 Clarified the ‘Definition / Additional Guidance’ column for Cost Service Provider (25.052) to align with UAD Spec.\n\n2024-006 Deleted ‘Relocation’ from Examples: Client Requested Conditions.\n\n26 Reconciliation\n\n2024-021\n\nUpdated allowable answers for Market Value Condition (26.009), deleted Final Value Condition Description (26.013), and\nupdated the ‘Definition / Additional Guidance’ column for Final Value Condition Statement (26.013).\nUpdated allowable answers for Value Condition (26.014) and updated Examples: Client Requested Conditions.\nUpdated the ‘When to Include’ and ‘Definition / Additional Guidance’ column for As Is Overall Condition Rating (26.071).\n\n27 Revision\nHistory\n\nAppendix 1:\nGlossary\n\n2024-043 Added the Reconsideration of Value subsection (27.003-27.006) and updated Revision History guidance and Examples.\n\n2024-021 Updated allowable answers for Market Value Condition.\n"}
diff --git a/chunks/json/bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72.json b/chunks/json/bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72.json
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+{"chunk":{"char_end":4850,"char_start":3243,"chunk_id":"chk_f6043b0739d0040b","chunk_index":2,"chunk_sha256":"bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Yes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n1\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201\n\nUniform Residential Appraisal Report\n\nPage 2 of 23\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nEmpty Bank\n200 Tree St\nSomewhere, VA 12346\n\nIDK Appraisal Management\nCompany\n300 Main Ave\nSomewhere, VA 12345\n\nAgatha Appraiser\nXYZ Appraisals\n123 Main St\nNowhere, VA 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/08/2019\n\nAssignment Information Exhibits\n\nAppraiser’s License\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n5419-2123.4\nVA\n04/30/2020\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n"}
diff --git a/chunks/json/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.json b/chunks/json/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.json
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+++ b/chunks/json/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":732896,"char_start":731237,"chunk_id":"chk_fe18e8bf16b7c909","chunk_index":434,"chunk_sha256":"bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Enumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-65, 1-66, 1-67\n(values of Neighborhood Demand and\nSupply Type) must be indicated.\nOne and only one of fields 1-68, 1-69, 1-70\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\nOne and only one of fields 1-68, 1-69, 1-70\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\nOne and only one of fields 1-68, 1-69, 1-70\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\n\nMoney\n\nWhole dollars only.\n\nMoney\n\nWhole dollars only.\n\nMoney\n\nWhole dollars only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nUAD Instruction - Refer to Appendix D Neighborhood Section\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n"}
diff --git a/chunks/json/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.json b/chunks/json/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..0feef86cda7d66ac58cf7d1e2bcbef98383fcc1f
--- /dev/null
+++ b/chunks/json/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22513,"char_start":21423,"chunk_id":"chk_39236a89e9a495c5","chunk_index":13,"chunk_sha256":"becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"555\n\n0 -250,000\n\n250,000 -54,000 -25,500 -16,912 -7,260\n\n0\n\n7,200 18,930 30,000\n\n66,924\n\naverage_adjustment\n\n1,481,842\n\n-551\n\n-975 -250,000\n\n250,000 -52,500 -24,819 -16,675 -7,667\n\n-975\n\n5,990 16,105 25,433\n\n57,000\n\nadjusted_price\n\n1,481,805 370,238 325,000\n\n5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,285,000\n\nvalue_sale_comparison 1,481,831 369,933 325,000\n\n5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,275,000\n\nvalue_cost\n\n1,084,631 383,794 335,000\n\n5,000 1,705,000 35,000 115,000 155,000 225,000 335,000 485,000 675,000 765,000 1,355,000\n\nvalue_income\n\n34,210 292,196 235,000\n\n5,000 1,705,000 45,000 75,000 105,000 155,000 235,000 365,000 555,000 705,000 1,055,000\n\nsame_tract_percent\n\n1,471,865\n\n66\n\n75\n\n0\n\n100\n\n0\n\n0\n\n17\n\n40\n\n75\n\n100\n\n100\n\n100\n\n100\n\nN\n\nMean Median Min\n\nMax\n\nP1\n\nP5\n\nP10 P25 P50 P75 P90 P95\n\nP99\n\ncalculated_proximity\n\n1,475,704 1.27\n\n0.55 0.00 10.00 0.07 0.14 0.19 0.31 0.55 1.17 3.22 5.76 10.00\n\nreported_proximity\n\n1,480,808 1.28\n\n0.55 0.00 10.00 0.07 0.14 0.19 0.32 0.55 1.18 3.26 5.82 10.00\n"}
diff --git a/chunks/json/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.json b/chunks/json/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.json
new file mode 100644
index 0000000000000000000000000000000000000000..acdd0f0f1da9782878c2fed4b59e9eee7a88a545
--- /dev/null
+++ b/chunks/json/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39293,"char_start":37663,"chunk_id":"chk_8a70391bfd026a41","chunk_index":20,"chunk_sha256":"beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858","token_estimate":408,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Since the Enterprises have been\n\ncollecting and reporting rate spread data\nfor single-family mortgages, FHFA is\nrequiring the Enterprises to continue\nreporting that data, which will be\nincluded in new data field 56 in the\nsingle-family Census Tract File.\nFor 2008, HMDA requires the\n\nreporting of values for rate spread of 3.0\nand greater for first liens, and 5.0 and\ngreater for subordinate liens. For 2009\nand subsequent years, HMDA requires\nthe reporting of values for rate spread of\n1.5 and 3.5, respectively. Values below\nthese thresholds, including values that\nwould be identified as ‘‘not applicable,’’\nwill be reported as a numeric zero (‘‘0’’)\nbecause the PUDB is released as a\nnumeric-only database.\n\nb. Single-Family Data field 57: HOEPA\nStatus\n\nThis new data field designates\n\nwhether a single-family loan acquired\nby the Enterprise is subject to HOEPA,\nas implemented in Regulation Z, 12 CFR\n226.32, because the APR or the points\nand fees on the loan exceed the HOEPA\ntriggers.5 The Enterprises have been\ncollecting and reporting the HOEPA\nstatus of single-family loans to FHFA,\nbut this data was not previously\nincluded in the PUDB. Fannie Mae\ncommented that, under its business\npolicies, single-family mortgages that\nare subject to HOEPA are not eligible for\nsale to Fannie Mae. However, such\nloans can be purchased inadvertently by\nthe Enterprises. Freddie Mac did not\n\n5 HOEPA applies to a ‘‘consumer credit\ntransaction that is secured by the consumer’s\nprincipal dwelling’’ in which either the APR, or the\ntotal points and fees payable by the consumer at or\nbefore loan closing, exceed certain specified\namounts.\n"}
diff --git a/chunks/json/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.json b/chunks/json/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.json
new file mode 100644
index 0000000000000000000000000000000000000000..fbcb1388cf931c440b8c5f8e61f7e523c1af3731
--- /dev/null
+++ b/chunks/json/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1874,"char_start":0,"chunk_id":"chk_814b7b6b353ee642","chunk_index":0,"chunk_sha256":"beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89","token_estimate":468,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nCondition and Quality Rating Definitions\nDocument Version 1.0\nApril 29, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Description\n\n4/29/2025\n\n1.0\n\nThis document is a copy of the UAD 3.6 Condition and Quality Ratings, as\npublished in Appendix F-1: URAR Reference Guide on March 29, 2023.\n\nUniform Appraisal Dataset\n\nCondition and Quality Rating Definitions\n\nCondition Rating Definitions\n\nCondition Ratings describe the physical condition of a property as of the effective date of the appraisal on an\nabsolute basis, not on a relative basis or how a property relates to other properties.\n\nCondition Rating definitions are used for Overall Condition, Exterior Condition, and Interior Condition.\n\nRating\n\nCondition Rating Definition\n\nCriteria\n\nCondition Rating Definitions\n\nC1\n\nC2\n\nC3\n\nC4\n\nC5\n\nC6\n\nThe dwelling is 100% newly constructed,\ncompleted within the past 12 months, has never\nbeen occupied, and exhibits no signs of wear or\nuse.\n\nA dwelling in C1 condition:\n\n May include non‐structural components composed of “like new” recycled materials (e.g.,\n\nHas a foundation that must be 100% original to the new construction.\n\nreconditioned or refinished barn wood).\nIs a 100% newly constructed dwelling that does not exhibit physical depreciation.\n\n\n\nThe dwelling exhibits like‐new condition. It has\nbeen recently constructed or entirely remodeled\nwithin 36 months prior to the appraisal date,\nwhile retaining portions of the pre‐existing\nstructure. The dwelling may have been occupied\nbut features no deferred maintenance and\nrequires no repair.\n"}
diff --git a/chunks/json/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.json b/chunks/json/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..aeff786c38dba12447aa6ec8442d072a1b1b4c5c
--- /dev/null
+++ b/chunks/json/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33922,"char_start":32159,"chunk_id":"chk_e54996701b672e51","chunk_index":19,"chunk_sha256":"bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8","token_estimate":441,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Header Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n31\n\nsex_borr\n\nBorrower Sex\n\n32\n\n1\n\nsex_coborr\n\nCo-Borrower Sex\n\n33\n\n1\n\nage_borr_cat\n\nAge of Borrower\n\n1 = Male\n2 = Female\n3 = Information is not provided by the\nborrower in a mail or telephone\napplication\n4 = Not applicable\n9 = Not available\n1 = Male\n2 = Female\n3 = Information is not provided by the\nco-borrower in a mail or telephone\napplication\n4 = Not applicable\n5 = No co-borrower\n9 = Not available\n1 = Under 25 years old\n2 = 25 to 34 years old\n3 = 35 to 44 years old\n4 = 45 to 54 years old\n5 = 55 to 64 years old\n6 = 65 to 74 years old\n7 = Over 74 years old\n9 = Data not provided\n\nBucketing aligns with the disclosure of\nBorrower Age in the public HMDA dataset to\nconform with CFPB Privacy Guidance.\n\nSF CTF\n\n25\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\n34\n\nage_coborr_cat\n\nAge of Co-Borrower\n\n35\n\n1\n\noccupancy_sf_ctf\n\nOccupancy Code\n\n36\n\n5\n\nrate_spread\n\nRate Spread\n\n37\n\n1\n\nhoepa\n\nHOEPA Status\n\n1 = Under 25 years old\n2 = 25 to 34 years old\n3 = 35 to 44 years old\n4 = 45 to 54 years old\n5 = 55 to 64 years old\n6 = 65 to 74 years old\n7 = Over 74 years old\n9 = Data not provided/no co-borrower\n\n1 = Principal Residence/Owner-\nOccupied property\n2 = Second Home\n3 = Investment property\n9 = Not Available\n0 = Not applicable, not reported, or <\n1.50 if a first lien (or < 3.50 if a\nsubordinate lien)\nActual values >= 1.50 (or >= 3.50\nrespectively)\nExample of data format: 3.10 = APR is\n3.10 percent above the applicable\nAverage Prime Offer Rate (APOR).\n"}
diff --git a/chunks/json/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.json b/chunks/json/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.json
new file mode 100644
index 0000000000000000000000000000000000000000..6ff365780a12f11f0ea98a39240ed9fbdde14637
--- /dev/null
+++ b/chunks/json/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":783943,"char_start":782226,"chunk_id":"chk_45a4a9e1deaeace0","chunk_index":465,"chunk_sha256":"bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80","token_estimate":430,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association\n\nProject Management\nType\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ho\nmeownersAssociation']\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n17\n\n17\n\n17\n\n1\n\n1\n\n51\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nWhole numbers only.\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nEnumerated\n\nThis field should be indicated only if HOA is checked.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n\nEither all of fields 1-158, 1-159, 1-160, 1-\n161, 1-162, 1-163 (Development Stage Type\n= 'Complete') or all of fields 1-164, 1-165, 1-\n166, 1-167, 1-168, 1-169 (Development\nStage Type = 'Incomplete') should be\npopulated. One and only one of these two\nsets of fields should be populated, and the\nother set of fields should be left blank.\n"}
diff --git a/chunks/json/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.json b/chunks/json/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.json
new file mode 100644
index 0000000000000000000000000000000000000000..b10ecea6c8637166ede4399a0f84aa790800378d
--- /dev/null
+++ b/chunks/json/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":122090,"char_start":120423,"chunk_id":"chk_3f5182ad77d2276b","chunk_index":118,"chunk_sha256":"bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415","token_estimate":417,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"o For the Subject [Unit Identifier] column, information that is never applicable is grayed out using\n10% black tint: “Proximity to Subject,” “Overall Comparison to Subject,” “Adjusted Rent,”\n“Comparable Weight”.\n\no For the Comparables columns, information that is never applicable is grayed out using 10% black\n\ntint: “Opinion of Market Rent”.\n\nAppendix E: Report Style Guide\n\nPage 67 of 90\n\nVersion 1.4\n\nCOMPARABLE RENTAL ANALYSIS TABLE\n\nALTERNATE LAYOUT – COMPARABLE RENTAL ANALYSIS TABLE\n\n• First column: “Proximity to Subject,” “Neighborhood Name,” “Project Name,” “Project Common\n\nAmenities/Services,” “Site Influence,” “View from Unit,” “Floor Number,” “Site Size ,” “Grade Level,”\n“Interior Condition,” “Bedrooms,” “Baths - Full | Half,” “Finished Area,” “Furnished,” “Utilities/Services\nIncluded,” “Rent Control,” “Rent Concessions,” “Vehicle Storage | Spaces”, “[Additional Row]” set as TB\n\n• First column continues: “Summary” sets as TB-SCA_H2; followed by “Rent Per Finished Area,” “Actual\nRent,” “Overall Comparison to Subject,” “Adjusted Rent,” “Opinion of Market Rent,” “Comparable\nWeight” set as TB-B\n\nRental Analysis Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nRental Information Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\nAppendix E: Report Style Guide\n\nPage 68 of 90\n\nVersion 1.4\n\n“Income Approach” sets as TAB.\n\nGross Rent Multiplier Comparables (H1)\n\nGross Rent Multiplier Comparables table\n\n• Table sets 5 equal columns x 45 picas. Grid cannot break from page to page. If there are more\nthan 3 Comparables, and second grid cannot fit on the same page as the first, the second grid\ncan appear on the next page.\n"}
diff --git a/chunks/json/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.json b/chunks/json/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.json
new file mode 100644
index 0000000000000000000000000000000000000000..952c4105098e3e4e10a6a556726af4dbccc507aa
--- /dev/null
+++ b/chunks/json/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7175,"char_start":5204,"chunk_id":"chk_241483953173edbd","chunk_index":3,"chunk_sha256":"bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5c230171c77d6892","text_sha256":"bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb","token_estimate":576,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA.md"]},"text":"- [Notice of Order No. 2020–N–11](https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf)\n- [Notice of Order No. 2011–N–11](https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf)\n- [Notice of Order No. 2010–N–10](https://www.govinfo.gov/content/pkg/FR-2010-07-15/pdf/2010-17119.pdf)\n- [Privacy and Proprietary Determination Matrices](/sites/default/files/2024-01/PUDB-Matrices_05-27-2020.xlsx)\n**Contact**\n\nIf you have any questions or comments about the data or documents, please email [PUDBdata@fhfa.gov](mailto:pudbdata@fhfa.gov).\n\n**2024 Enterprise PUDB Data** Format **Single-Family National File A**:\nMortgage-Level File for Owner-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfa.zip) [[.txt]](/document/2024_enterprise_sf_nfa.zip) **Single-Family National File B**:\nUnit-Level File for All Single-Family (1-4 Unit) Properties, including Renter-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfb.zip) [[.txt]](/document/2024_enterprise_sf_nfb.zip) **Single-Family National File C**:\nMortgage-Level File for Properties with High-Cost Single-Family Mortgages Purchased and Securitized by the Enterprises [[.csv]](/document/2024_pudb_sf_nfc.zip) [[.txt]](/document/2024_enterprise_sf_nfc.zip) **Single-Family Census Tract File**:\nMortgage-Level File for All Single-Family (1-4 Unit) Properties [[.csv]](/document/2024_pudb_sf_ctf.zip) [[.txt]](/document/2024_enterprise_sf_ctf.zip) **Multifamily National File P**:\nProperty-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_nfp.zip) [[.txt]](/document/2024_enterprise_mf_nfp.zip) **Multifamily National File U**:\nUnit-Class-Level File for All Multifamily Property Unit Classes [[.csv]](/document/2024_pudb_mf_nfu.zip) [[.txt]](/document/2024_enterprise_mf_nfu.zip) **Multifamily Census Tract File**:\nProperty-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_ctf.zip) [[.txt]](/document/2024_enterprise_mf_ctf.zip)\n"}
diff --git a/chunks/json/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.json b/chunks/json/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.json
new file mode 100644
index 0000000000000000000000000000000000000000..1c69129ee8aca8660d0911d041861877c95b9cc3
--- /dev/null
+++ b/chunks/json/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6478,"char_start":4870,"chunk_id":"chk_786607f6f9387f80","chunk_index":3,"chunk_sha256":"bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d","token_estimate":402,"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":"Credentials\n\nLevel\nID\nState\nExpires\n\n12345\nIL\n10/31/2020\n\nCertified Residential\n5555-2222\nIL\n06/30/2020\n\nThe client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information\nregarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the real estate agent.\nDimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n8675309 Jenny Ln\nAnytown, IL 54321\nBlank\nGrammy Gold\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\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\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nDwelling No. 8675309 in the condominium project known as Grammy Gold\n\nSubject Property Commentary\n\nThe subject property is a single family detached site condominium. The land it sits on is not owned in common with the condominium\nassociation referenced in the subject property’s legal description. All units in the project consist of similar detached site condominiums.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.json b/chunks/json/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.json
new file mode 100644
index 0000000000000000000000000000000000000000..98f0630187ce14931eb0a85c093feaae7f93587a
--- /dev/null
+++ b/chunks/json/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43912,"char_start":42215,"chunk_id":"chk_d9bbc823b601cbac","chunk_index":26,"chunk_sha256":"bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184","token_estimate":425,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Recommended\nAction\n\nEstimated Cost\nto Repair\n\nTCH\nFeature\nTB_sub-H1\nSite\n\nTB\n\nLocation\n\nDescription\n\nTB_sub-H1\n\nDwelling Exterior - [Structure Identifier]\n\nTB\n\nTB_sub-H1\n\nUnit Interior - [Structure Identifier] - [Unit Identifier]\n\nTB\n\nTB_sub-H1\n\nOutbuilding - [Outbuilding Type]\n\nTB\n\nTB_sub-H1\n\nUnit Interior - [Outbuilding Type] - [Unit Identifier]\n\nTB\n\nTB_sub-H1\n\nVehicle Storage\n\nTB\n\nTB_sub-H1\n\nSubject Property Amenities\n\nTB\n\nTXR-B\n\nTXC-I1\n\nAs Is Overall Condition Rating\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nTXR-B\n\nTotal Estimated Cost of Items\nRecommended for Repair\n\nTB_sub-H1-R\n\nTotal Cost\n\nH1\n\nReconciliation Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nRevision History\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTCH\nTB\n\nH1\n\nTXR-B\n\nTXR-B\n\nTXC-B\n\nRevision Date\n\nURAR Section\n\nDescription\n\nReconsideration of Value\n\nType\nDate\n\nReconsideration of Value Commentary\n\nTXR-B\n\nResult\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nSupplemental Information\n\nH1\n\nSupplemental Information Exhibits\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.json b/chunks/json/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.json
new file mode 100644
index 0000000000000000000000000000000000000000..c58da625a47fb0a8af1486d1b323962b63f94222
--- /dev/null
+++ b/chunks/json/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":319673,"char_start":318032,"chunk_id":"chk_335bb4ddf790471d","chunk_index":173,"chunk_sha256":"bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Before Closing\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nBuyer\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\nBeforeClosing\n\nROF as “Borrower-\nPaid”\n\nThird Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n9.2.4\n\nSeller-Paid At Closing\n($)\n\n…/INTEGRATED_DISC\nLOSURE_SUBSECTION\n_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\n12800.00\n\nROF as “$12,800.00”\n\n9.2.4\n\nSeller-Paid\n\n9.2.4\n\nAt Closing\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\nSeller\n\nROF as “Seller-Paid”\n\nAtClosing\n\nFourth Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n9.2.5\n\nSeller-Paid Before\nClosing ($)\n\n…/INTEGRATED_DISC\nLOSURE_SUBSECTION\n_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\n750.00\n\nROF as “$750.00”\n\nAppendix E: UCD Implementation Guide\n\nPage 146 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n9.0 Total Closing Costs\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nTable 101. Total Closing Costs Table\n\n9.2.5\n\nSeller-Paid\n\n9.2.5\n\nBefore Closing\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nIntegratedDisclosure\nSubsectionPaymentTi\nmingType\n\nSeller\n\nROF as “Seller-Paid”\n\nBeforeClosing\n\nFifth Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n9.2.6\n\nPaid by Others ($)\n\n…/INTEGRATED_DISC\nLOSURE_SUBSECTION\n_PAYMENT\n\nIntegratedDisclosure\nSubsectionPaymentA\nmount\n\n405.00\n\nROF as “$405.00”\n\n9.2.6\n\nPaid by Others\n\nIntegratedDisclosure\nSubsectionPaidByTyp\ne\n\nThirdParty\n\nROF as “Paid by\nOthers”\n\nEnd of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT Instances\n\nSecond Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n"}
diff --git a/chunks/json/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.json b/chunks/json/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.json
new file mode 100644
index 0000000000000000000000000000000000000000..8d9dc5e35ee3aacc260a940718276c0bacf37c7b
--- /dev/null
+++ b/chunks/json/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":637314,"char_start":635677,"chunk_id":"chk_cff5ed9702bb7316","chunk_index":376,"chunk_sha256":"bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"1\n\n1\n\n3\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished recreation rooms in the basement.\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric, 1-digit\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished bedrooms in the basement.\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric, 1-digit\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the number of finished bathrooms in the basement.\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nn.n\n\nThis field is required if the value of\nfield e-18 (GSE Below Grade Total\nSquare Feet Number) is greater than\nzero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of\nfield e-18 (GSE Below Grade Total\nSquare Feet Number) is greater than\nzero.\n\nThe sum of this field 3-95 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3-\n86, 3-87, 3-91, 3-93, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n\nThis field is required if the value of\nfield e-19 (GSE Below Grade Finish\nSquare Feet Number) is greater than\nzero.\n"}
diff --git a/chunks/json/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.json b/chunks/json/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.json
new file mode 100644
index 0000000000000000000000000000000000000000..8874ef2a2f6069a709a57e52a3ad1e139d6957c2
--- /dev/null
+++ b/chunks/json/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20894,"char_start":19274,"chunk_id":"chk_9670ca244aab8dcc","chunk_index":12,"chunk_sha256":"bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2023-017\n\nStandalone ADUs and ADU/Garages do not display in the Outbuilding subsection. Clarified display rules for Outbuilding\nrows, and redisplay of Outbuilding Type for subject and comps.\n\n2023-037 Corrected typo in Notes for Include Unit in Rent Schedule\n\n2023-020 Corrected the ‘When to Include’ column for Utilities / Services Included (23.01.09) and Furnished (23.01.10).\n\n23 Rental\nInformation\n\n25 Cost Approach\n\n26 Reconciliation\n\n29 Certifications\nand Scope of Work\n\n2023-028 Clarified that Structure Type (Not on Report) is required for each rental comparable unit.\n\n2023-039 Updated requirements for Floor Number (23.03.07, 23.03.31).\n\n2023-059 Comparable Weight: Clarified definition for No Weight in the rental grid (23.03.48).\n\n2023-017 Area Type for outbuilding (25.024): Deleted Attached Garage and Built-in Garage, added Garage.\n\n2023-021 Changed the ‘When to Include’ column for Cost Service Quality Rating (25.053).\n\n2023-062 Clarified that if Market Value Condition (26.009) is As Is, no other conditions can be applied.\n\n2023-037 Corrected typo for Cost to Repair Reporting Method (Itemized).\n\n2023-003\n\nAppraiser Cert 21: Clarified 29.041 and 29.042 to be Contact Name(s).\nUse Additional Supervisory Appraiser Certifications (29.062) to report prior services.\n\n2023-037 Corrected references to ASC and the ASC National Registry.\n\nAppendix 1:\nGlossary\n\n2023-034\n2023-059\n\nUpdated definitions for Accessory Dwelling Unit (ADU), and Wear and Tear.\n\nAppendix F-1: URAR Reference Guide\n\nPage 6 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRevision History\n\nVersion 1.1 (Published December 12, 2023)\n"}
diff --git a/chunks/json/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.json b/chunks/json/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.json
new file mode 100644
index 0000000000000000000000000000000000000000..0dfc2e11368d0d706da849fccbabab91960df245
--- /dev/null
+++ b/chunks/json/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33141,"char_start":32492,"chunk_id":"chk_71a6184c04566fd9","chunk_index":47,"chunk_sha256":"bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d","token_estimate":502,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 144\n\nEnergy Efficient and Green Features Impact to Value/Marketability ...................................................................................................................................... 147\n\nEnergy Efficient and Green Features Commentary .................................................................................................................................................................. 148\n"}
diff --git a/chunks/json/bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc.json b/chunks/json/bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc.json
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index 0000000000000000000000000000000000000000..f28a7cd8bcecdcf28989b147297e8087d6ee29c6
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+{"chunk":{"char_end":408833,"char_start":0,"chunk_id":"chk_e6a6755c610be868","chunk_index":0,"chunk_sha256":"bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc","date_utc":"2026-01-27T18:13:19+00:00","doc_type":"text","paths":{"json":"","txt":null},"source_id":"src_de1910cded372dbc","text_sha256":"bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc","token_estimate":1231,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_enterprise_mf_ctf/2024_Enterprise_MF_CTF/fhlmc_mf2024c_loans.txt","exceeds_max_chunk_chars_truncated"]},"text":"2 20000001 48 12420 491 020349 43.46 101288 115204 0.8792 126000 32815000 2 1 1 1 55.81 1 60 5 5.220 32815000 58805000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000002 06 41860 001 422400 58.95 128750 154003 0.8360 166600 3965000 7 1 1 4 61.60 2 360 1 3.100 3965000 6005000 47 9 1 9 9 0 1 0 0 0 0 1 0 0\n2 20000003 06 20940 025 010900 86.32 61472 60776 1.0115 65300 4425000 1 1 1 1 69.12 1 60 3 5.580 4425000 6405000 36 1 1 9 9 99 1 0 0 0 0 0 0 0\n2 20000004 47 34980 165 021105 30.80 96582 96905 0.9967 104700 17055000 1 1 1 1 70.00 1 60 5 5.410 17055000 24365000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000005 34 35620 035 053602 26.40 220016 113844 1.9326 119300 6975000 2 1 1 1 83.05 2 192 2 4.690 6975000 8405000 180 1 9 9 9 100 1 1 0 0 0 0 0 0\n2 20000006 37 16740 119 005855 42.32 104929 93744 1.1193 100300 49045000 7 1 1 1 62.47 1 120 5 5.480 49045000 78505000 114 1 1 9 9 0 1 0 0 0 0 0 1 0\n2 20000007 12 36740 117 021617 31.67 103047 83343 1.2364 90400 33125000 7 1 1 1 60.00 1 60 5 5.740 33125000 55205000 57 1 1 9 9 0 1 0 0 0 0 0 1 0\n2 20000008 48 99999 503 950200 27.04 84265 88069 0.9568 93500 3305000 7 1 1 1 75.00 2 60 2 6.070 3305000 4405000 57 1 1 9 9 98 1 1 0 0 0 0 0 0\n2 20000009 18 18020 005 010400 36.76 130650 90657 1.4412 93600 11955000 7 1 1 1 56.92 1 120 4 5.600 11955000 21005000 114 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000010 13 42340 051 010811 43.40 75800 87035 0.8709 92400 59565000 1 1 1 1 54.70 1 60 5 7.207 59565000 108905000 24 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000011 48 26420 201 553801 39.00 171625 92750 1.8504 95200 9915000 7 1 1 1 47.89 1 60 4 6.390 9915000 20705000 57 1 1 9 9 0 1 0 0 0 0 0 1 0\n2 20000012 47 32820 157 021312 27.62 109818 78701 1.3954 84000 19295000 7 1 1 1 55.51 1 60 5 5.040 19295000 34755000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000013 13 23580 139 001004 42.63 61818 86127 0.7178 92700 14305000 7 1 1 1 67.14 1 60 4 5.550 14305000 21305000 57 1 1 9 9 100 1 0 0 0 0 0 0 0\n2 20000014 45 16700 019 003104 76.43 42500 96573 0.4401 105100 9285000 7 1 1 1 67.28 1 60 3 5.380 9285000 13805000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n2 20000015 39 17140 061 027000 89.05 28696 97826 0.2933 103700 4245000 2 3 1 1 71.10 2 181 3 5.250 4275000 5905000 0 1 1 9 9 100 1 0 0 0 0 1 0 0\n2 20000016 48 26420 201 543004 53.35 205202 92750 2.2124 95200 37975000 2 3 1 1 62.56 1 60 5 5.350 37975000 60705000 57 1 1 9 9 0 1 0 0 0 0 0 1 0\n2 20000017 48 12420 491 021406 44.18 121118 115204 1.0513 126000 29095000 7 1 1 1 59.87 1 84 5 5.010 29095000 48605000 78 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000018 18 16980 089 042501 65.41 84698 106055 0.7986 109800 28535000 7 1 1 1 69.27 2 60 5 5.810 28535000 41205000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000019 45 17900 063 020511 59.24 62969 81690 0.7708 86300 4185000 7 1 1 1 67.55 1 60 2 5.580 4185000 6205000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000020 06 23420 019 005203 80.23 53147 76092 0.6985 84300 6565000 7 5 1 1 57.79 2 60 4 6.620 6565000 11365000 36 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000021 17 16980 031 010702 73.47 60479 106055 0.5703 109800 5635000 7 1 1 1 64.02 2 60 2 6.340 5635000 8805000 57 1 1 9 9 0 1 0 0 0 0 1 0 0\n2 20000022 16 14260 001 002223 15.94 123463 91708 1.3463 98000 12535000 2 1 1 1 64.94 1 60 3 5.670 12535000 19305000 57 1 1 9 9 0 1 0 0 0 0 0 1 0\n2 20000023 40 36420 109 108323 46.21 154474 84302 1.8324 89100 15135000 1 1 1 1 48.38 1 84 4 5.540 15135000 31295000 60 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000024 36 35620 047 080400 80.13 72100 113844 0.6333 119300 3735000 7 1 1 1 64.38 1 60 1 6.630 3735000 5805000 36 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000025 32 29820 003 003422 73.24 66420 82358 0.8065 87800 44405000 1 3 1 1 55.39 1 84 5 6.646 44405000 80165000 18 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000026 48 26420 201 541301 83.63 86683 92750 0.9346 95200 42375000 1 1 1 1 75.00 1 60 5 5.310 42375000 56505000 57 1 1 9 9 90 1 0 0 0 0 0 0 0\n2 20000027 48 26420 201 541403 85.36 48606 92750 0.5241 95200 20005000 7 1 1 1 67.57 1 60 5 5.630 20005000 29605000 57 1 1 9 9 0 1 0 0 0 0 0 0 0\n2 20000028 48 41700 493 000300 67.57 81250 85469 0.9506 89300 106500\n"}
diff --git a/chunks/json/bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed.json b/chunks/json/bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed.json
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+{"chunk":{"char_end":38517,"char_start":36392,"chunk_id":"chk_d90871b7b75fab59","chunk_index":21,"chunk_sha256":"bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed","token_estimate":532,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as an\nintended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the\nmortgage finance transaction and related activities for which this appraisal report was prepared.\n\n26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become an\nintended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) shall have\nno liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this appraisal\nreport was prepared.\n"}
diff --git a/chunks/json/bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97.json b/chunks/json/bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97.json
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+{"chunk":{"char_end":251257,"char_start":249622,"chunk_id":"chk_2b017f919c33910e","chunk_index":145,"chunk_sha256":"bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"12\n\n1\n\n11\n\n1\n\n$0\n\n16\n\n1\n\n1 | 1\n\n$(5,000)\n\n1 | 1\n\n$(5,000)\n\n1 | 1\n\n$(5,000)\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\n1,209 Sq. Ft.\n\n1,209 Sq. Ft.\n\n1,360 Sq. Ft.\n\n$(30,200)\n\n1,070 Sq. Ft.\n\n$27,800\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nVehicle Storage\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nQ3\n\nC3\n\nType | Spaces | Detail\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nParking Garage | 1 | Owned\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 13 of 18\nPage 13 of 18\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\n700 1st Ave, NW\nUnit 1206\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1211\nWashington, DC 20001\n\n700 1st Ave, NW\nUnit 1103\nWashington, DC 20001\n\nComparable #3\n1350 Riverside Ave, NW\nUnit 1627\nWashington, DC 20001\n\n$585,000\n\n$585,000\n\n$600,000\n\n—\n\n$600,000\n\n$(5,000)\n\n$496\n\n$595,000\n\nMost\n\n$615,000\n\n—\n\n$621,000\n\n$(35,200)\n\n$457\n\n$585,800\n\nLess\n\n$570,000\n\n—\n\n$570,000\n\n$22,800\n\n$533\n\n$592,800\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$595,000\n\nReconciliation of Sales Comparison Approach\n"}
diff --git a/chunks/json/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.json b/chunks/json/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.json
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+++ b/chunks/json/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.json
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+{"chunk":{"char_end":6831,"char_start":5229,"chunk_id":"chk_09f7e81b0ee496b8","chunk_index":3,"chunk_sha256":"bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8326755dd0590a28","text_sha256":"bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-january-11-2025.pdf"]},"text":"Guidelines applied\n\n▪ No limitations on loan purpose or occupancy, the\nloan application will be subject to standard\neligibility guidelines\n\n▪ Risk assessed using the borrower’s reported credit\n\n▪ Property must be a one- to four-unit, principal\nresidence, and all borrowers must occupy the\nproperty.\n\n© 2024 Fannie Mae.\n\n11.20.24\n\n2 of 4\n\nBorrower credit profile\n\nGuidelines applied\n\n▪ Transaction must be a purchase or limited cash-\n\nout refinance.\n\nNote: If these requirements are not met, the loan\ncasefile will receive an Out of Scope recommendation.\n\nNontraditional credit references will be required for each borrower without a credit score. This can be completed manually or by\nproviding a 12-month asset verification report and obtaining a cash flow assessment through DU.\n\nAt Least One Borrower Has No Credit Score and Another Borrower Has a Credit Score\n\nCurrently when one borrower on the loan application has no credit score and another borrower has a credit score, only certain\ntransactions are permitted (e.g., one-unit, principal residence). These transactions will no longer be subject to limitations on loan\npurpose or occupancy and will now be subject to standard eligibility guidelines.\n\nFor these transactions, when the borrower with a credit score is contributing 50% or less of the qualifying income, DU will\ncontinue to require the lender to document a nontraditional credit history for each borrower without a credit score. This can be\ncompleted manually or by providing a 12-month asset verification report and obtaining a cash flow assessment through DU.\n\nCash Flow Assessment\n"}
diff --git a/chunks/json/bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3.json b/chunks/json/bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3.json
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+{"chunk":{"char_end":86605,"char_start":85003,"chunk_id":"chk_d4c8f768098f0cd8","chunk_index":30,"chunk_sha256":"bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3","token_estimate":447,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"79960-61.\n\n8.10 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343, 79961-\n\n62.\n\n8.11 – 8.15 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343,\n\n79961-62.\n\n8.16 Reg §1026.38(g)(4), pp. 80123, 80353, 80012; Cross reference §1026.37(g)(4) pp. 80117, 80343-4, 79962-\n\n65.\n\n8.17 Reg §1026.38(g), pp. 80123, 80353, 800011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959.\n\nAppendix E: UCD Implementation Guide\n\nPage 23 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n8.18 | 8.19 Reg §1026.38(g)(5) and (6), pp. 80123, 80354, 80012; Cross reference to §1026.37(g)(5) pp. 80117,\n\n80344, 79965.\n\nAppendix E: UCD Implementation Guide\n\nPage 24 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n9.0 Total Closing Costs, and 21.0 Loan Calculations.\n\nOne data point, RegulationZPointsAndFeesIndicator, must be included with each fee to indicate whether the\nassociated fee is included in the Regulation Z Points and Fees calculation. 7.2.n\n\n7.2 Loan Discount Points and 8. 1 Taxes and other Government fees are excepted.\n\n2. TO SUPPORT CROSS-UMDP LOAN I DENTI FI CATION\n\nA combination of data points can be used to determine if one loan was submitted to UAD, Loan Product\nAdvisor®, Desktop Underwriter®, UCD or ULDD. These key data points must be provided in all UMDP datasets if\navailable to the submitter. In this I-Guide, these data points are included in the explanations for 1.7 Sale Price /\nAppraised Prop. Value / Estimated Prop. Value and 3.5 Loan ID#.\n"}
diff --git a/chunks/json/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.json b/chunks/json/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.json
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index 0000000000000000000000000000000000000000..256fbf853350a63462b6b1827625f730bed38a35
--- /dev/null
+++ b/chunks/json/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":771124,"char_start":769396,"chunk_id":"chk_06bc2c519a9f149f","chunk_index":459,"chunk_sha256":"bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76","token_estimate":432,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples include, but are not limited to:\n• Minor damage to walls or trim (interior or exterior)\n• Worn floor finishes or carpet that shows age\n•\n\nKitchen or bathrooms that are dated but fully functional\n\nA dwelling in C5 condition has items that will need to be repaired, rehabilitated, or replaced in\nthe near future for the dwelling to remain useable and functional.\n\nExamples include, but are not limited to:\n•\n•\n•\n\nRoofing that is significantly worn, cupped, or curled but with no apparent active leaks\nSeverely worn, damaged, or missing floor coverings\nFunctional kitchen or bathroom that may be in disrepair (e.g., damaged or missing\ncabinets or countertops).\n\nA dwelling in C6 condition is not useable or functional in its current state, and will require\nimmediate repairs, rehabilitation, or replacement of key components.\n\nExamples include, but are not limited to:\n•\n•\n\nActive roof leaks\nDamaged or missing exterior components that allow weather intrusion into the dwelling\nwith resultant structural impact or damage\nDamaged or failing foundation\nNo functional kitchen or bathrooms\n\n•\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 348 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 2: Condition and Quality Rating Definitions\n\nQuality Rating Definitions\n\nThis chart shows the definitions for\n• Overall Quality rating\n•\n• Exterior Quality, including doorways, fenestration, architectural details, roof design, and exterior walls\n\nInterior Quality, including room size, ceilings, trim, floor material, kitchen, and bathrooms\n\nQuality ratings describe the quality of a property as of the effective date of the appraisal on an absolute basis,\nnot on a relative basis or how a property relates to other properties.\n"}
diff --git a/chunks/json/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.json b/chunks/json/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.json
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+++ b/chunks/json/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":501435,"char_start":499827,"chunk_id":"chk_86a422df4aabc47c","chunk_index":285,"chunk_sha256":"bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"b. For a detailed explanation of arcroles, refer to the section A. Contact Table Relationships in the UCD File.\n\nB. SECTI ON NOT I NCLUDED\n\nIf the creditor does not include 24.0 Confirm Receipt, the creditor must disclose the following statement in 22.0\nOther Disclosures: “Loan Acceptance You do not have to accept this loan because you have received this form\nor signed a loan application,” as highlighted in blue in the following figure.\n\n22.0\n\nOther Disclosures\nAppraisal\nIf the property was appraised …\nContract Details\nSee your note and security instrument for information\nabout…\n22.1 Liability after Foreclosure\nIf your lender forecloses on this property ….\n\nAppendix E: UCD Implementation Guide\n\nPage 235 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n24.0 Confirm Receipt\n\n22.0\n\nOther Disclosures\nLoan Acceptance\nYou do not have to accept this loan because you have\nreceived this form or signed a loan application.\nRefinance\nRefinancing the loan will depend …\nTax Deductions\nIf you borrow more than this property is worth…,\n\nFigure 140. Additional Disclosure Required if Section 24.0 is Not Included\n\nTable 155. Additional Disclosure Required if Section 24.0 is Not Included\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nUID 0.051 N/A - XML\n\ngse:DocumentSigna\ntureRequiredIndicat\nor\n\nfalse\n\nNot shown -\nrelationships\n\n…/DOCUMENT/DOC\nUMENT_CLASSIFICA\nTION/DOCUMENT_\nCLASSIFICATION_DE\nTAIL/EXTENSION/OT\nHER\n\nC. FOR MORE I NFORMATI ON\n\n24.0: Reg §1026.38(s) and 38(s)-1, pp. 80128, 80361, 80051 cross reference to §1026.37(n) p. 80120, 80348,\n"}
diff --git a/chunks/json/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.json b/chunks/json/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.json
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index 0000000000000000000000000000000000000000..30aafba9b7ec15d3dd34de349b6e63d798381ccd
--- /dev/null
+++ b/chunks/json/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9996,"char_start":8389,"chunk_id":"chk_5b71d62a361399dc","chunk_index":5,"chunk_sha256":"bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Additional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 4 of 29\nPage 4 of 29\n\nSite (continued)\n\nSite Exhibits\n\nProperty Access (Street Scene) - East\n\nProperty Access (Street Scene) - West\n\nThis is where the Property Access East Facing photo would display.\n\nThis is where the Property Access West Facing photo would display.\n\nHazard Zone - USGS Lava Flow Zone\n\nDisaster Mitigation\n\nMitigation Feature\n\nImpact Resistant Glass\n\nDisaster Mitigation Commentary\n\nThe subject has impact resistant glass to protect from potential wind damage.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 5 of 29\nPage 5 of 29\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nSketch Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 6 of 29\nPage 6 of 29\n\nDwelling Exterior - Building 1\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nUp to 1 foot\n1985\nSite Built\nNone\n\nThis is where the Dwelling 1 Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ5\n\nExterior Condition Rating\n"}
diff --git a/chunks/json/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.json b/chunks/json/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.json
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index 0000000000000000000000000000000000000000..c7f3ae57ed79fe9712606c1fe9c45e480bd8060a
--- /dev/null
+++ b/chunks/json/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":479758,"char_start":478079,"chunk_id":"chk_e79d1208f8c2eae4","chunk_index":284,"chunk_sha256":"bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849","token_estimate":420,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Project Information Exhibits\n\nReport\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSubject Listing\nInformation\nExhibits\n\nIf applicable\n\nPhotos or images\n\nPhotos or images relevant to the Subject Listing Information section may be\nprovided, which display in Subject Listing Information Exhibits. If the photo or\nimage is not specifically indicated above, provide an additional caption.\n\nAppendix F-1: URAR Reference Guide\n\nPage 203 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n20 Sales Contract\n\n20 Sales Contract\n\nThe Sales Contract section includes information from the sales contract for the subject property including price,\npersonal property, and sales concessions. This section provides space for additional analysis and exhibits.\n\nThe Sales Contract section displays if there is an active sales contract associated with the property.\n\nGeneral Information\n\nSales Contract: General information\n\nReport\nField ID\n\n20.000\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nIs there a sales\ncontract?\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether there is an active sales contract associated with the\nproperty.\n•\n\nIf No, the Sales Contract section does not display.\n\n20.001 Was sales\n\ncontract\ninformation\nanalyzed?\n\n20.002 Does this appear\n\nto be an arm’s\nlength\ntransaction?\n\n20.003 Non-Arm’s\n\nLength\nCommentary\n\n20.004 Contract Price\n\n20.005 Contract Date\n\nRequired if Is There a\nSales Contract is Yes\n\nYes | No\n\nSales Contract Information Analyzed: Indicates whether the appraiser reviewed\nand analyzed the sales contract for the subject purchase transaction.\n"}
diff --git a/chunks/json/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.json b/chunks/json/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5269a8b8de38947a7a867d15a73262025ea9d15
--- /dev/null
+++ b/chunks/json/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":256722,"char_start":254948,"chunk_id":"chk_5ec56d461ae31c55","chunk_index":143,"chunk_sha256":"bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a","token_estimate":444,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 98 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-09, Adjustments to Comparable Sales (06/04/2025)\n\nIntroduction\n\nThis topic contains details on selected adjustments to the comparable sales, including:\n\nSales or Financing Concessions\n\n• Analysis of Adjustments\n•\n• Market Conditions Analysis and Time Adjustments\n• Appraiser’s Comments and Indicated Value in the Sales Comparison Approach\n\nAnalysis of Adjustments\n\nFannie Mae does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount\nof the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most\nappropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or\ntransaction details are identical. The appraiser’s adjustments must reflect the market’s reaction (that is, market-based\nadjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per\nsquare foot adjustment for the difference in the finished above grade area based on a rule-of-thumb when market analysis\nindicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for\ncompetitive properties and provide appropriate market-based adjustments without regard to arbitrary limits on the size of the\nadjustment.\n\nIf the extent of the appraiser’s adjustments to the comparable sales is great enough to indicate that the property may not\nconform to the market area, the underwriter must determine if the opinion of value is adequately supported. (For further\ninformation regarding comparable selection, see SB4-1.3-08, Comparable Sales.)\n"}
diff --git a/chunks/json/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.json b/chunks/json/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.json
new file mode 100644
index 0000000000000000000000000000000000000000..896d12d9758304071b154ef9ee276478631c4ee4
--- /dev/null
+++ b/chunks/json/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32184,"char_start":30338,"chunk_id":"chk_d6e4e58b5929686e","chunk_index":16,"chunk_sha256":"bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4","token_estimate":462,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is\noutdated and no longer supported by MISMO. As part of this update, the UAD will conform to the latest MISMO\nReference Model (3.6).\n\nAppendix F-1: URAR Reference Guide\n\nPage 9 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nOverview\n\nThe primary purpose of Appendix F-1: URAR Reference Guide is to provide guidance on how to enter\ninformation and how the data will be displayed in the Uniform Residential Appraisal Report (URAR). The URAR is\na dynamic report, output as a PDF document, that replaces the following legacy forms:\n\nLegacy Appraisal Form Name\n\nFannie Mae Form\n\nFreddie Mac Form\n\nUniform Residential Appraisal Report\n\nUniform Residential Appraisal Report (Desktop)\n\nUniform Residential Appraisal Report (Hybrid)\n\nIndividual Condominium Unit Appraisal Report\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nExterior-Only Inspection Individual Condominium Unit Appraisal Report\n\nExterior-Only Inspection Residential Appraisal Report\n\nManufactured Home Appraisal Report\n\nIndividual Cooperative Interest Appraisal Report\n\nExterior-Only Individual Cooperative Interest Appraisal Report\n\nSmall Residential Income Property Appraisal Report\n\nSingle Family Comparable Rent Schedule\n\nURAR Section Organization\n\n1004\n\n1004 Desktop\n\n1004 Hybrid\n\n1073\n\n1073 Desktop\n\n1073 Hybrid\n\n1075\n\n2055\n\n1004C\n\n2090\n\n2095\n\n1025\n\n1007\n\n70\n\n70D\n\n70H\n\n465\n\n465D\n\n465H\n\n466\n\n2055\n\n70B\n\n-\n\n-\n\n72\n\n1000\n\nThe URAR is a dynamic report with sections (black tabs) that vary based on information provided in the\nappraisal. This table shows the sections of the URAR and when they display or repeat. For more information\nabout a section, reference the appropriate chapter in this document.\n"}
diff --git a/chunks/json/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.json b/chunks/json/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.json
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index 0000000000000000000000000000000000000000..73202bb75dedcb75bb1f3150a50f1440fb0352e8
--- /dev/null
+++ b/chunks/json/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15361,"char_start":14888,"chunk_id":"chk_d40a2179702b5dda","chunk_index":14,"chunk_sha256":"bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871","token_estimate":421,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Gross Rent Multiplier Comparable ............................................................................................................................................................................................. 34\n\nPROPERTY Container ................................................................................................................................................................................................................................ 34\n"}
diff --git a/chunks/json/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.json b/chunks/json/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.json
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index 0000000000000000000000000000000000000000..c8a6ae1e7814f3db3ac6a6faf933343758988a85
--- /dev/null
+++ b/chunks/json/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":53713,"char_start":53401,"chunk_id":"chk_be756980f8028eff","chunk_index":30,"chunk_sha256":"bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c","token_estimate":78,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf","below_target_min_tokens"]},"text":"Signature\n\nAppraiser\nAgatha Appraiser\nAgatha Appraiser\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nAppraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.json b/chunks/json/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.json
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index 0000000000000000000000000000000000000000..f81ac3fe0a8c2c3489cb38d8d5edcf3078726c84
--- /dev/null
+++ b/chunks/json/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48459,"char_start":46264,"chunk_id":"chk_f02056604eee4a0b","chunk_index":25,"chunk_sha256":"bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d","token_estimate":549,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"3. Action Type\n\nThis HMDA data element indicates\nthe type of action taken on the loan by\nthe HMDA-reporting lender, e.g., loan\noriginated, application approved but not\naccepted, application denied,\napplication withdrawn, or other\nspecified reasons. FHFA has not added\nthis data field to the PUDB as all loans\n\nin the PUDB had to have been\noriginated in order to be acquired by the\nEnterprises.\n\n4. Purchaser Type\n\nThis HMDA data element indicates\n\nthe type of entity that purchased the\nloan from the HMDA-reporting lender.\nFHFA has not added this data field to\nthe PUDB because the Enterprises are\nalways the purchasers of the loans\ndisclosed in the PUDB and this data is\nreleased in data field 0, ‘‘Enterprise flag’’\n(formerly called ‘‘agency flag’’).\n\n5. Denial Reason 1–3\n\nThis HMDA data element indicates\nthe reasons a loan was denied by the\nHMDA-reporting lender. FHFA has not\nadded this data field to the PUDB\nbecause all of the loans in the PUDB had\nto have been originated in order to be\nacquired by the Enterprises and,\ntherefore, could not have been denied.\n\n6. Edit Status\n\nThis data field indicates the validity\n\nand/or quality status of the data\nreported by the HMDA-reporting\ninstitution. The data field is created by\nFFIEC in developing the publicly-\nreleased HMDA database. Since the data\nfield is not required to be reported by\nHMDA-reporting institutions, and the\ndata released to FHFA for inclusion in\nthe PUDB is certified as accurate by the\nEnterprises, FHFA has not added this\ndata field to the PUDB.\n\n7. Application Date Prior 2004 Flag\n\nThis HMDA data field indicates why\ncertain fields added to HMDA reporting\nin 2004 were reported under pre-2004\nreporting standards, e.g., the expanded\nrace/ethnicity fields. The data field was\ncreated by FFIEC in developing the\npublicly-released HMDA database, and\nis based on the date of the loan\napplication reported by HMDA-\nreporting lenders. The date of the loan\napplication is private applicant\ninformation under section 304(j) of\nHMDA, and the flag is now essentially\nmoot as there currently are few, if any,\npre-2004 loan applications reported in\nthe HMDA database. Accordingly,\nFHFA has not added this data field to\nthe PUDB.\n"}
diff --git a/chunks/json/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.json b/chunks/json/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.json
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+++ b/chunks/json/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":372867,"char_start":371236,"chunk_id":"chk_1b4afcf19313339b","chunk_index":207,"chunk_sha256":"c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293","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":"• Type E—established PUD projects in which the developer has turned over voting control of the HOA to the unit\n\npurchasers.\n\n• Type F—new PUD projects in which the developer has not turned over voting control of the HOA to the unit\n\npurchasers.\n\nCertain PUD projects require submission to PERS. See B4-2.2-06, Project Eligibility Review Service (PERS) for additional\ninformation.\n\nNew or established PUD projects consisting of single-section and/or multi-section manufactured homes not subject to a\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 147 of 166\n\nUAD 3.6 Policy\n\ncommunity land trust, deed restriction, ground lease, or shared equity arrangement may be reviewed in accordance with B4-\n2.1-02, Waiver of Project Review.\n\nEligibility Requirements for Units in PUD Projects\n\nLenders must determine that the PUD project and subject unit meet the requirements described in Requirements Applicable\nto All Properties in a Condo, Co-op, or PUD Project in B4-2.1-01, General Information on Project Standards.\n\nNote: Any unit legally created as part of a condo or co-op project located within a larger PUD project or master association\nmust meet the applicable requirements for condo or co-op projects.\n\nFor additional information applicable to PUD projects subject to a ground lease, see B2-3-03, Special Property Eligibility and\nUnderwriting Considerations: Leasehold Estates.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 148 of 166\n\nUAD 3.6 Policy\n\nSB5-2-02, Manufactured Housing Loan Eligibility (12/10/2025)\n\nIntroduction\n\nThis topic contains information on manufactured housing loan eligibility, including:\n"}
diff --git a/chunks/json/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.json b/chunks/json/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.json
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+++ b/chunks/json/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":568444,"char_start":566842,"chunk_id":"chk_ded6568d750d2b82","chunk_index":335,"chunk_sha256":"c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale 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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='DesignStyle']/@_Description\n\n20\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\nThis data is referenced more than once on the form in the Site Section, and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a view factor not on the list provided materially affects the value of the property, the\nappraiser must select 'Other' and enter a description of the view associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Instruction - Refer to Appendix D Sales Comparison Approach Section\n"}
diff --git a/chunks/json/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.json b/chunks/json/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.json
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index 0000000000000000000000000000000000000000..389ce17ff185105a9b020db82805871984d95d7b
--- /dev/null
+++ b/chunks/json/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13255,"char_start":10981,"chunk_id":"chk_85c7102024a891c9","chunk_index":6,"chunk_sha256":"c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e","token_estimate":678,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_s4da42.md"]},"text":"[2015 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2015)\n\n[2014 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2014)​\n\n[2013 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2013)\n\n**News Releases**\n\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/10/2023)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/11/2022)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-8112022)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/13/2021)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-august-2021)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/15/2019)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-1)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/7/2018)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-0)​\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/7/2017)](/news/news-release/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-2017)​\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/8/2016)](/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-2016)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (4/30/2015)](/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-stress-tests-2015)\n[FHFA Announces Results of Fannie Mae and Freddie Mac Stress Tests (4/30/2014)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-stress-tests)\n[FHFA Issues Scenarios and Guidance to Fannie Mae, Freddie Mac and the FHLBanks Regarding Annual Dodd-Frank Stress Tests (12/17/2013)](/news/news-release/fhfa-issues-scenarios-and-guidance-to-fannie-mae-freddie-mac-and-the-fhlbanks-regarding-annual-dodd)\n"}
diff --git a/chunks/json/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.json b/chunks/json/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.json
new file mode 100644
index 0000000000000000000000000000000000000000..4da4cccb180cf208155fe23fe7af6a6f47acdebe
--- /dev/null
+++ b/chunks/json/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":34464,"char_start":32752,"chunk_id":"chk_91fad670b6b9b560","chunk_index":12,"chunk_sha256":"c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"**Q31. Can a UCD report of submissions be provided?**\n\nYes. A UCD Submission Summary report is available in [Loan Quality Connect™](/applications-technology/fannie-mae-connect) (in the Loan Delivery Reports category) which features the following information:\n\n- All UCD submissions and transfers for an organization\n - All edits generated for each UCD submission\n **Q32. What is the CurrentRateSetDate and where is it found?**\n\nIn UCD the CurrentRateSetDate is the last date that the note rate on a loan was established. This includes the first time the rate is set as well as any time the rate was changed prior to closing.\n\n**NOTE**: *That this does NOT include any action to extend a lock period, since the rate does not change for just an extension. The CurrentRateSetDate is used to evaluate the Note Rate, and therefore, it must correspond to the date on which the rate was set.*\n\nCorrespondent\n\n**Q33. What functionality is available to correspondents who are Fannie Mae Non-Sellers?**\n\nCorrespondents with access to Loan Delivery may click on the embedded UCD link in the Loan Delivery application, or access the UCD collection solution via the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution). Alternately, correspondents may leverage a direct integration option via their own integration or provided by a technology solution provider.\n\n**Q34. How will correspondents be able to “share” or “transfer” the UCD Findings with their aggregator?**\n\nFannie Mae correspondents can download the UCD Findings Reports via the web-based user interface option within the UCD application or save the XML response from their direct integration system.\n"}
diff --git a/chunks/json/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.json b/chunks/json/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.json
new file mode 100644
index 0000000000000000000000000000000000000000..4b5cb74da1c57b2db72dfd21233df587f1906a56
--- /dev/null
+++ b/chunks/json/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":346425,"char_start":344810,"chunk_id":"chk_0ad451d7b3cd9ef7","chunk_index":190,"chunk_sha256":"c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of CASH TO CLOSE ITEM\n\n10.10.3 Did this change?\n\n…/CASH_TO_CLOSE_\nITEM\n\n10.10.4\n\nIf yes\n\n10.10.1 Loan Estimate\n\n10.10.2 Final\n\n10.10\n\nLoan Amount\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicat\nor\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\nIntegratedDisclosure\nCashToCloseItemFin\nalAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\nfalse\n\nROF as “NO”\n\nYour Loan Amount\nDid Not Change\n\n150000.00\n\n150000.00\n\nROF as\n“$150,000.00”\n\nROF as\n“$150,000.00”\n\nLoanAmount\n\nROF as “Loan\nAmount”\n\nSecond Instance of CASH TO CLOSE ITEM\n\n10.1.3 Did this change?\n\n…/CASH_TO_CLOSE_\nITEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicat\nor\n\ntrue\n\nROF as “YES”\n\n10.1.4\n\nIf yes\n\n10.1.1\n\nLoan Estimate\n\n10.1.2 Final\n\n10.1\n\nTotal Closing Costs\n(J)\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nSee Total Loan Costs\n(D) and Total Other\nCosts (I)\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\nIntegratedDisclosure\nCashToCloseItemFin\nalAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n5099.00\n\nROF as “-$5,099.00”\n\n5757.57\n\nROF as “-$5,757.57”\n\nTotalClosingCosts\n\nROF as “Total Closing\nCosts (J)”\n\nThird Instance of CASH TO CLOSE ITEM\n\n10.2.3 Did this change?\n\n…/CASH_TO_CLOSE_\nITEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicat\nor\n\ntrue\n\nROF as “YES”\n\nAppendix E: UCD Implementation Guide\n\nPage 158 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n"}
diff --git a/chunks/json/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.json b/chunks/json/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.json
new file mode 100644
index 0000000000000000000000000000000000000000..4d7808d986012d109ac4c0e0c12403f446d5f3df
--- /dev/null
+++ b/chunks/json/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12500,"char_start":10850,"chunk_id":"chk_9b0e57597b630c83","chunk_index":5,"chunk_sha256":"c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Release Notes\n\n- [DU Validation Service October Release Notes | Oct. 25, 2025](/media/document/pdf/du-validation-service-october-release-notes-oct-25-2025)\n- [DU Validation Service April Release Notes | April 4, 2025](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-march-release-notes-march-15-2025)\n- [DU Validation Service September Release Notes | Sept. 20, 2024](/media/document/pdf/du-validation-service-september-release-notes-sept-20-2024)\n- [DU Validation Service August Release Notes | August 17, 2024](/media/document/pdf/du-validation-service-august-release-notes-august-17-2024)\n- [DU Validation Service March Release Notes | March 6, 2024](/media/document/pdf/du-validation-service-march-release-notes-march-6-2024)\n- [DU Validation Service April Release Notes | April 17, 2021](/media/document/pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021)\n- [DU Validation Service November Release Notes | Nov. 2, 2020](/media/document/pdf/du-validation-service-november-release-notes-nov-2-2020)\n\n##### DU validation service verification report vendors & approved vendor tools\n\n- [DU Validation Service Verification Report Vendors & Approved Vendor Tools](/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors)\n\nEarlyCheck\n\n##### Integration Impact Memos\n\n- [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025)\n- [EarlyCheck Enhancements Overview | August 8, 2022](/media/document/pdf/earlycheck-enhancements-overview)\n"}
diff --git a/chunks/json/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.json b/chunks/json/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.json
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index 0000000000000000000000000000000000000000..e2d4218074dd5cf85ea60a31bd206942639b85f2
--- /dev/null
+++ b/chunks/json/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15557,"char_start":14360,"chunk_id":"chk_b51d5818dc47552c","chunk_index":8,"chunk_sha256":"c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6b45fc2836077ba7","text_sha256":"c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_FHFA_AT_A_GLANCE___FHFA_7gmoyl.md"]},"text":"*Page last updated: March 8, 2024*​​​​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.json b/chunks/json/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.json
new file mode 100644
index 0000000000000000000000000000000000000000..fc8c96f641bc381a841699c757ba17fa53034bf6
--- /dev/null
+++ b/chunks/json/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":170696,"char_start":169032,"chunk_id":"chk_498e4acaebd82ec9","chunk_index":179,"chunk_sha256":"c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"</VALUATION_COMMENTARY>\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSubject Property Exhibits\n\nThe Subject Property Exhibits subsection displays only when images are provided. All text must display above the image in bold font.\n\n• Other images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 3.033.1) = “SubjectPropertyExhibit”.\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 3.033.2).\n\nPage 112\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n04 Site\n\nPage 113\n\nThe Site section provides information about the characteristics of the parcel(s) such as size, property access, site influences, utilities, and\nproperty restrictions. This section provides space for additional commentary, exhibits, and information about any apparent defects, damages,\nor deficiencies related to the site.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Site section always displays in the report; however, there are multiple data points from the Subject Property section that determine\nconditionality, such as:\n\n• Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015)\n• PropertyInProjectIndicator (UID: 0100.0065, FID: Not on report)\n• Subject Property - ProjectLegalStructureType (UID: 2500.0168)\n\no Condominium (FID: 3.011)\no Coop (FID: 3.012)\no Condop (FID: 3.013)\n\nPage 114\n\nSite Size and Parcels\n\nWhen Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015) = \"false\"\n\n• Total Site Size - LotSizeAreaMeasure (UID: 1500.0093, FID: 4.000) displays\n• When Number of Parcels - ParcelCount (UID: 1500.0094, FID: 4.002) > 1 (Figure 4 - 1)\n"}
diff --git a/chunks/json/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.json b/chunks/json/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..a60329592d290994b1bcfbea9c89503a5d79bd39
--- /dev/null
+++ b/chunks/json/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":177235,"char_start":175637,"chunk_id":"chk_ec2d218799d666ef","chunk_index":183,"chunk_sha256":"c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unique ID MISMO Data Point Name\n\nDisplay Rules\n\n4.020\n\nPrimary Access\n\n1500.0055 PropertyPrimaryEntryExitMethodType\n\nAlways displays\n\nSite: Property Access\n\n4.021\n\nStreet Type and Surface\n\n1500.0049\n1500.0047\n\nStreetAccessType\nImprovedSurfaceMaterialType\n\n4.022\n\nKnown Maintenance\nAgreement\n\n1500.0052 PrivateStreetMaintenanceAgreementExistIndicator\n\nDisplay when (PropertyPrimaryEntryExitMethodType =\n\"PublicStreet\" OR \"PrivateStreet\")\n− Display Street Access Type and Surface Material Type separated\n\nby \"|\" (Figure 4 - 4)\nIf there are multiple, display as \"stacked\"\n\n−\nDisplay when PropertyPrimaryEntryExitMethodType =\n\"PrivateStreet\"\n\n4.023\n\nTypical for Market\n\n1500.0054 PropertyAccessTypicalToMarketIndicator\n\nAlways displays\n\n4.024\n\nDescription of Property\nAccess\n\n1500.0053 PropertyAccessDescription\n\nPropertyAccessTypicalToMarketIndicator = \"false\" OR Exists\n\nFigure 4 - 4\n\nSite Influence\n\nThe Site Influence subsection always displays. The details of the table vary based on the influence selected. Each site influence,\nenvironmental condition, or body of water selected from the enumerated list displays as a separate row in the table. An image may be\nincluded for each site influence.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 121\n\nInfluence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) always displays. (Figure 4 - 5)\n\nFigure 4 - 5\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nSite: Site Influence\n\n4.025\n\nInfluence\n\n1500.0087\n\nSiteInfluenceType\n\n4.026\n\nProximity\n\n1500.0015\n\nDistanceFromPropertyLinearMeasure\n@LinearUnitOfMeasureType\n"}
diff --git a/chunks/json/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.json b/chunks/json/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.json
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index 0000000000000000000000000000000000000000..66f07238995b6db15026b60a4f4d089c6bcb150f
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+++ b/chunks/json/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.json
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+{"chunk":{"char_end":15068,"char_start":13442,"chunk_id":"chk_d4f1a0210e142450","chunk_index":8,"chunk_sha256":"c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e","token_estimate":407,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n05.050\n\n7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),\nis qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.\n\n05.051\n\n8. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n05.047\n\nAdditional Supervisory Appraiser Certifications\n\nAdditional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.\n1.\n\n05.037\n\nSignature\n\n[Role]\n\n05.038\n\n05.039\n\n[Contact Name]\n\n05.041\n\n05.040\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\n05.042\n\n05.043\n\n05.044\n05.045\n\nUpdate Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n"}
diff --git a/chunks/json/c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e.json b/chunks/json/c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e.json
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+{"chunk":{"char_end":12188,"char_start":8670,"chunk_id":"chk_157ded1cada3585b","chunk_index":5,"chunk_sha256":"c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ced4bd0de2a3ad55","text_sha256":"c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e","token_estimate":879,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer_Progress_Report___U_S__FEDERA_z38x0r.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/226&order=field_release_date&sort=asc) Report Attachment April 11, 2024 [Credit Risk Transfer Progress Report 4Q2023](/reports/credit-risk-transfer-progress-report/2023-Q4) [Read Report](/document/report/credit-risk-transfer-progress-report-4q2023) May 31, 2023 [Credit Risk Transfer Progress Report 4Q2022](/reports/credit-risk-transfer-progress-report/2022-Q4) [Read Report](/media/51131) May 02, 2022 [Credit Risk Transfer Progress Report 4Q2021](/reports/credit-risk-transfer-progress-report/2021-Q4) [Read Report](/media/30536) August 10, 2021 [Credit Risk Transfer Progress Report 4Q2020](/reports/credit-risk-transfer-progress-report/2020-Q4) [Read Report](/document/crt-progress-report-4q20) April 03, 2020 [Credit Risk Transfer Progress Report 4Q2019](/reports/credit-risk-transfer-progress-report/2019-Q4) [Read Report](/document/crt-progress-report-4q2019) November 12, 2019 [Credit Risk Transfer Progress Report 2Q2019](/reports/credit-risk-transfer-progress-report/2019-Q2) [Read Report](/document/crt-progress-report-2q19) November 01, 2018 [Credit Risk Transfer Progress Report 2Q2018](/reports/credit-risk-transfer-progress-report/2018-Q2) [Read Report](/media/33471) March 29, 2018 [Credit Risk Transfer Progress Report 4Q2017](/reports/credit-risk-transfer-progress-report/2017-Q4) [Read Report](/media/33476) November 22, 2017 [Credit Risk Transfer Progress Report 2Q2017](/reports/credit-risk-transfer-progress-report/2017-Q2) [Read Report](/media/33481) July 26, 2017 [Credit Risk Transfer Progress Report March 2017](/reports/credit-risk-transfer-progress-report/2017-Q1) [Read Report](/document/credit-risk-transfer-progress-report-march-2017) March 27, 2017 [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report/2016) [Read Report](/document/credit-risk-transfer-progress-report-dec-2016)\n"}
diff --git a/chunks/json/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.json b/chunks/json/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.json
new file mode 100644
index 0000000000000000000000000000000000000000..1c0c91b5ec55537f4f3eae57064fc3b891b63735
--- /dev/null
+++ b/chunks/json/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":36311,"char_start":34690,"chunk_id":"chk_612c6e483bd01c97","chunk_index":36,"chunk_sha256":"c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"•\n\nThe text \"Itemized List of Repairs -\" precedes the DefectComponentLabelType (UID: 3900.0117, FID: 03.001.1)\n\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0878, FID: 03.001.2) and displays above the image\n\nfollowing the DefectComponentLabelType.\n\nNew Observed Items for Repair\n\n•\n\nImages provided for New Observed Items for Repair are delivered in the IMAGE container located in the instance of the DEFECT container that\nrepresents the given defect and the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “true”,\n\n•\n\nThe text \"New Observed Items for Repair -\" precedes the DefectComponentLabelType (UID: 2800.0052, FID: 04.001.1)\n\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 4000.1001, FID: 04.001.2) and displays above the image\n\nfollowing the DefectComponentLabelType.\n\nConstruction Complete\n\nPage 29\n\n•\n\nImages provided for completed construction must be delivered using ImageCategoryType (UID: 1400.0849, FID: 05.001.1) =\n“CompletedConstruction\".\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0851, FID: 05.001.2)\n• Display \"Completed Construction\" above the photo in bold font, followed by caption if provided.\n\nConstruction not Completed Per Plans and Specifications\n\n•\n\nImages provided for Improvements not completed per plan are delivered in the IMAGE container located in the instance of the\nSUBJECT_TO_COMPLETION_ITEM container that represents the given defect and the PropertyImprovementsCompletedPerPlansIndicator (UID:\n2800.0011, FID: 05.002) = \"false\"\n"}
diff --git a/chunks/json/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.json b/chunks/json/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.json
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index 0000000000000000000000000000000000000000..a126b3fc99cdcdd3753403e607f9d420a25f6c4a
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+++ b/chunks/json/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":73038,"char_start":71430,"chunk_id":"chk_f87d510861fad282","chunk_index":42,"chunk_sha256":"c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nLocation Rating – Appraiser must select one\nvalue from the specified list\nLocation Factors – Appraiser must select one\nor two factors from the specified list\n Description of ‘Other’ (if applicable) – Text\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\n\nExample:\nB;AdjPrk;WtrFr\n\nSite\nFor sites/parcels that have an area of less\nthan one acre, the size must be reported in\nsquare feet. For sites/parcels that have an\narea of one acre or greater, the size must be\nreported in acreage to two decimal places.\nThe unit of measure must be indicated as\neither ‘sf’ for square feet or ‘ac’ for acres. A\nnumeric value must be entered followed by\nthe appropriate unit of measure. The total size\nof the entire site/parcel must be entered. No\nother data is permitted in this field.\n\nReporting Format:\nArea less than one acre – whole numbers only\nArea equal to one acre or more – numeric to 2\ndecimals\nIndicate the unit of measure as either ‘sf’ for\nsquare feet or ‘ac’ for acres as appropriate.\nExamples:\n6400 sf\n3.40 ac\n\nPage 41 of 68\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n"}
diff --git a/chunks/json/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.json b/chunks/json/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.json
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index 0000000000000000000000000000000000000000..23b500f027e3e5dd9395de6b327ef7f6f6568a28
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+++ b/chunks/json/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.json
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+{"chunk":{"char_end":55716,"char_start":53963,"chunk_id":"chk_f0d21ad186a28f37","chunk_index":30,"chunk_sha256":"c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d","token_estimate":438,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"One ADU allowed\n\nFour-unit dwelling\n\nNo ADUs allowed\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 25 of 166\n\nUAD 3.6 Policy\nThe following table describes the requirements for classifying an ADU.\n\n✓\n\nRequirements\n\n• All the ADU(s) must\n\no be subordinate in size to the primary dwelling.\n\no have the following features separate from the primary dwelling:\n\n▪ means of ingress/egress,\n\n▪\n\n▪\n\nkitchen,\n\nsleeping area,\n\n▪ bathing area, and\n\n▪ bathroom facilities.\n\n•\n\nThe kitchen must, at a minimum, contain the following:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 26 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements\n\no\n\ncabinets;\n\no a countertop;\n\no a sink with running water; and\n\no a stove, built-in cooktop, or permanent hookup for these appliances (hotplates,\n\nmicrowaves, air fryers, or toaster ovens are not acceptable substitutes).\n\n• An independent second kitchen by itself does not constitute an ADU.\n\n•\n\nThe removal of a stove or a built-in cooktop and leaving a permanent hookup (e.g., capping of the gas\nline) does not change the ADU classification.\n\nA borrower must qualify for the mortgage considering rental income as outlined in SB3-3.1-08, Rental Income,\nfor further information, see SB5-6-02, HomeReady Mortgage Underwriting Methods and Requirements for an\nexception for HomeReady mortgage loans.\n\nNote: See Selling Guide Chapter B7-3, Property and Flood Insurance for more information on the requirements for insuring properties\nwith an ADU(s).\n\nConstruction of an ADU\n\nThe construction method of an ADU can be site- or factory-built, including single- or multi-section HUD Code manufactured homes\nthat are legally classified as real property. If the ADU is a HUD Code manufactured home, the lender must verify the following:\n"}
diff --git a/chunks/json/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.json b/chunks/json/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.json
new file mode 100644
index 0000000000000000000000000000000000000000..ad16b29548e0b0d25e79180f04ac3b2c67962ee8
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+++ b/chunks/json/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.json
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+{"chunk":{"char_end":1045142,"char_start":1043416,"chunk_id":"chk_2bfefa6d7a46148c","chunk_index":622,"chunk_sha256":"c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\n16\n\n16\n\n16\n\n7\n\n7\n\n7\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated UAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-64, 1-65, 1-66\n(values of Neighborhood Demand and Supply\nType) must be indicated.\nOne and only one of fields 1-67, 1-68, 1-69\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\nOne and only one of fields 1-67, 1-68, 1-69\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\nOne and only one of fields 1-67, 1-68, 1-69\n(values of Neighborhood Typical Marketing\nTime Duration Type) must be indicated.\n\nMoney Whole dollars only.\n\nMoney Whole dollars only.\n\nMoney Whole dollars only.\n\nNumeric Whole numbers only.\n\nNumeric Whole numbers only.\n\nNumeric Whole numbers only.\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\nNumeric\n\nIn percentage points (e.g. a value of 25 represents 25%)\n\n4000\n\nString\n\nUAD Instruction - Refer to Appendix D Neighborhood Section\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Descript\nion\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n"}
diff --git a/chunks/json/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.json b/chunks/json/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.json
new file mode 100644
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--- /dev/null
+++ b/chunks/json/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.json
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+{"chunk":{"char_end":29323,"char_start":27727,"chunk_id":"chk_802b2f321b2acea5","chunk_index":17,"chunk_sha256":"c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"Prior Sale and Transfer History Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nPG BRK\n\nTAB\n\nSales Comparison Approach\n\nTCH\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nGeneral Information\n\nTB-SCA_sub-H1\n\nTB\n\nProperty Address\n\nTB\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nSale to List Price Ratio\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAnnual Ground Rent\n\nNative American Lands\n\nAll Rights Included\n\nRights Not Included\n\nSame Builder as Subject\n\nTB\nTB-I\nTB\nTB\nTB-I\nTB\nTB\n\nProject Information\n\nTB-SCA_sub-H1-ADJ\n\nTB\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\nTB\n\nSpecial Assessments\n\nSite\n\nTB-SCA_sub-H1\n\nTB\n\nSite Owned in Common\n\nSite Size\n\nNeighborhood Name\n\nZoning Compliance\n\nHazard Zone\n\nPrimary Access\n\nStreet Type | Surface\n\nProperty Restriction\n\nEasement\n\nTopography\n\nDrainage\n\nSite Characteristics\n\nSite Influence (Location)\n\nApparent Environmental\nConditions\n\nView | Range\n\nWater Frontage with Private Access\n\nTB-SCA_sub-H1-ADJ\n\nWater Frontage\n\nPermanent Waterfront\nFeature\n\nRight to Build\n\nTotal Linear Measurement\n\nTB\n\nTB\nTB\n\nTB-I\n\nTB\n\nFTR-L\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n"}
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new file mode 100644
index 0000000000000000000000000000000000000000..b7d64e9d059353e36ba3f5dc55d60b995bf8a3e5
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+++ b/chunks/json/c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":471826,"char_start":467976,"chunk_id":"chk_e2cd822dbc15d994","chunk_index":355,"chunk_sha256":"c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494","token_estimate":963,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the\ncondition of the improvements in factual, specific terms, relying on subject property information data sources I considered\nreliable. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.\n\nDisplay when\nValuationReportInspectionCert\nificationType =\n“InteriorAndExterior”\nDisplay when\nValuationReportInspectionCert\nificationType = “Exterior”\nDisplay when\nValuationReportInspectionCert\nificationType =\n“NoPhysicalInspection”\n\n29.031\n\n11\n\n29.032\n\n12\n\nI performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice\nthat were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place\nat the time this appraisal report was transmitted.\nUsing information available in the normal course of business, I researched, verified, analyzed, and reported on any current\nagreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the\neffective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the\neffective date of this appraisal.\n\nAlways displays\n\nAlways displays\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nCert #\n\nCertifications Text\n\nReport\nField ID\n\n29.033\n\n29.034\n\n29.035\n\n29.036\n\n29.037\n\n13\n\n14\n\n15\n\n16\n\n17\n\n29.038\n\n18\n\n29.039\n\n19\n\n29.040\n\n20\n\n29.041\n\n21\n\nUsing information available in the normal course of business, I researched, verified, analyzed, and reported on the prior\nsales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale.\nI based my valuation on the available properties that are most similar to the subject property.\nI have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home\nthat has been built or will be built on the land.\nI have identified the differences between the subject and comparable properties, analyzed the market reaction to those\ndifferences, and reflected those differences in the analysis.\nTo the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties\nwho have a financial interest in the sale or financing of the subject property.\nI have taken into consideration the factors that have an impact on value with respect to the subject property, and its\nlocation, including its proximity to adverse influences in the development of my opinion of market value. I have noted in\nthis appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of\nhazardous wastes, toxic substances, adverse environmental conditions, etc.) that I became aware of during the\ndevelopment of this appraisal. I have considered these adverse conditions in my analysis of the property value and have\nreported on the effect of the conditions on the value and marketability of the subject property.\nI have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all\nstatements and information in this appraisal report are true and correct.\nMy employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not\nconditioned on any agreement or understanding, written or otherwise, that I would report (or present analyses supporting)\na predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the\ncause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a\npending mortgage loan application).\n"}
diff --git a/chunks/json/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.json b/chunks/json/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.json
new file mode 100644
index 0000000000000000000000000000000000000000..22477e52ed52edfa7438e20d413e8049f59a46fa
--- /dev/null
+++ b/chunks/json/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":176730,"char_start":175110,"chunk_id":"chk_0c8a504c7e6105a2","chunk_index":102,"chunk_sha256":"c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Private Street\nCul-de-sac | Asphalt\n\nDescription of Property Access Subject’s project has designated\nprivate asphalt roads. The responsibilities and maintenance of these\nroads is outlined and stated in the condominium master deed which\nis recorded. Private roads within site condominium complexes in this\narea are common and have no adverse effect on marketability.\n\nSite Influence\n\nInfluence\nGated Community\n\nGolf Course\n\nProximity\nOnsite\n\nBordering\n\nDetail\n\nImpact\nBeneficial\n\nBeneficial\n\nComment\n\nSite Influence Commentary The subject property backs to a golf course with views of the 15th hole. The property does sit back from the\ncourse and is unaffected by stray golf balls.\n\nView and Impact to Value/Marketability\n\nView\nGolf Course (Primary)\n\nResidential\n\nRange of View\nFull\n\nFull\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\nBeneficial\n\nNeutral\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\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nProperty Access (Street Scene) - East\n\nProperty Access (Street Scene) - West\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nThis is where the Property Access East photo would display.\n\nThis is where the Property Access West photo would display.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.json b/chunks/json/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.json
new file mode 100644
index 0000000000000000000000000000000000000000..adf1702ec9c1f3e28e4c0d01bdbcd4a41a77b3c3
--- /dev/null
+++ b/chunks/json/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18366,"char_start":15955,"chunk_id":"chk_e288a5e641f9420a","chunk_index":9,"chunk_sha256":"c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a","token_estimate":603,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"13 See FHFA 2010 Order, 75 FR at 41181.\n14 Id. at 41180.\n\n16 12 U.S.C. 4543(b)(1); 4546(d).\n17 12 U.S.C. 4543(b)(2).\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00038 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\n34198\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\nHMDA data elements, so they no longer\nreceive proprietary protections.\nThe factors for determining\n\nproprietary protection of the Enterprise\ndata in the PUDB are set forth in the\nHUD regulation which FHFA still\nadministers. HUD applied the regulatory\nfactors in a series of Orders determining\nthe proprietary protections for specific\ndata elements published in the PUDB.\nThe HUD Orders (but not the HUD\nregulation) were superseded by FHFA\nOrders that adopted the HUD\nproprietary determinations for the\nspecific data elements to be published\nin the PUDB and added the new data\nrequired by HERA.18\n\nFHFA protects proprietary data in the\nPUDB through two methods. First, data\nis protected through the multi-file\nsystem discussed above in Section I.B.\nSecond, the individual data elements\nmay be completely withheld from\npublication, or modified to reduce re-\nidentification risk by disclosing in\nranges or rounding.\n\nD. Privacy Protections in the PUDB\nThe HUD regulation, which was\nissued prior to the HERA amendments\nto the Safety and Soundness Act,\nprovides that private data shall be\nwithheld from the PUDB if publication\nof the data would ‘‘constitute a clearly\nunwarranted invasion of personal\nprivacy if such data or information were\nreleased to the public.’’ 19 HERA\namended the Safety and Soundness Act\nto add a requirement that FHFA publish\nthe HMDA data ‘‘[s]ubject to privacy\nconsiderations, as described in section\n304(j) of [HMDA] (12 U.S.C. 2803(j)).’’ 20\nSection 304(j)(2)(B) of HMDA requires\nthe CFPB to ‘‘require, by regulation,\nsuch deletions as [CFPB] may determine\nto be appropriate to protect—(i) any\nprivacy interest’’ of borrowers, and\nprotect depository institutions reporting\nHMDA data from liability under privacy\nlaws.21 The CFPB implemented this\nrequirement through policy guidance\n(CFPB Privacy Guidance) setting out\nhow the agency intends to exclude or\nmodify data to protect borrower privacy\nand reporter liability, in balance with\nthe purposes of public disclosure.22\nThe Safety and Soundness Act\n"}
diff --git a/chunks/json/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.json b/chunks/json/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.json
new file mode 100644
index 0000000000000000000000000000000000000000..100ac5c9887f7b905a90d2a460eeb1c4cc6f9479
--- /dev/null
+++ b/chunks/json/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":235966,"char_start":234333,"chunk_id":"chk_901faa130525d431","chunk_index":132,"chunk_sha256":"c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Q5\n\nThe dwelling is constructed using\nstandard building plans and\ndesigns that can be reproduced\nmultiple times with minimal\ncustomization or style variations.\nThe materials and amenities are\nwidely available and can contain\na mixture of some standard and\neconomy-level materials.\n\nThe dwelling is basic in design\nand meets minimum building\nstandards. Dwellings rated Q5 are\ndesigned for efficiency in\ninstallation and construction\nrepresenting basic housing. Q5\ndwellings have minimal\nrefinements or upgrades but are\nnot considered substandard.\n\nins, upgraded trim, finishes, mouldings and\nwall treatments.\n\nelements adorning at least the\nfront of the home.\n\n• Upgraded or high-grade floor coverings\nthat exceed the quality and durability of\nstandard-grade.\n\n• Moderately sized kitchens featuring\nupgraded appliances, cabinetry and\ncountertops or a mix of upgraded and high-\ngrade elements.\n\n• Multiple bathrooms of moderate size with\nsome bathrooms specifically dedicated to\ncertain bedrooms as well as at least one\ncommon bathroom; containing upgraded\ncabinetry and plumbing fixtures or a\nmixture of upgraded and high-end\nelements.\n\n• Roof designs using upgraded\nroof materials; may have steep\npitches, could have more than\none ridge with hips and valleys,\ngables, and overhangs.\n\n• Exterior walls constructed\nusing upgraded materials and\nfeaturing multiple corners with\nsome angled walls or unique\nshapes.\n\n• Sufficiently sized rooms typically with flat\nceilings and some vaulted ceilings in larger\nrooms, some trim or finishes of basic\ndesign.\n\n• Standard floor coverings that exceed the\nquality and durability of economy grade.\n"}
diff --git a/chunks/json/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.json b/chunks/json/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.json
new file mode 100644
index 0000000000000000000000000000000000000000..d5e8c8360940b5955ef78d962bac122708bdf554
--- /dev/null
+++ b/chunks/json/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":33442,"char_start":33351,"chunk_id":"chk_48a628870cd4712f","chunk_index":20,"chunk_sha256":"c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8","token_estimate":22,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf","below_target_min_tokens"]},"text":"Freddie Mac Form 70D July 2020\n\n226\n\nPage 6 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n"}
diff --git a/chunks/json/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.json b/chunks/json/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..90fae76d2631dba77bbb0b8da6f4cdfe455efc4a
--- /dev/null
+++ b/chunks/json/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12342,"char_start":10729,"chunk_id":"chk_a452d19fc7bdc801","chunk_index":6,"chunk_sha256":"c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"VantageScore 4.0’s implementation process has arrived at a point where the Enterprises soon can move forward with adoption of scores from the model. Similar implementation efforts are underway with respect to FICO 10T, and the Enterprises expect to be able to publish historical FICO 10T data and adopt scores from the model at a later date.\n\nProviding lender choice among multiple approved credit score models should help consumers, lenders, and other market participants realize the benefits of robust competition, such as lowering closing costs. The introduction of newer credit score models will improve risk management throughout the market as well, because these new models are more predictive of default risk.\n\n### **How does the introduction of VantageScore 4.0 impact other approved credit score models?**\n\nClassic FICO remains an approved credit score model that can be used for loans sold to the Enterprises. FICO 10T, which was validated and approved for use by the Enterprises alongside VantageScore 4.0 in 2022, remains an approved credit score model and is planned for future use by the Enterprises. Until then, lenders may choose between Classic FICO or VantageScore 4.0 for loans sold to the Enterprises.\n\n### **Will lenders report credit scores from multiple models on a given loan?**\n\nNot initially. Lenders will have the choice to report credit scores from either Classic FICO or VantageScore 4.0. For the time being, the Enterprises will not accept scores from multiple models on a given loan.\n\n### **Will lenders be able to report credit scores from multiple models across different loans?**\n"}
diff --git a/chunks/json/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.json b/chunks/json/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.json
new file mode 100644
index 0000000000000000000000000000000000000000..e9bf661c62f35444bb5a87cec65b92b9b29c7f8f
--- /dev/null
+++ b/chunks/json/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":57555,"char_start":57047,"chunk_id":"chk_a0c876c12fbcc31f","chunk_index":90,"chunk_sha256":"c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60","token_estimate":484,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 275\n\nConcepts ................................................................................................................................................................................................................................................ 276\n"}
diff --git a/chunks/json/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.json b/chunks/json/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.json
new file mode 100644
index 0000000000000000000000000000000000000000..7fa60832c5ca985c5823b32ac29a32a66dde3a48
--- /dev/null
+++ b/chunks/json/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10504,"char_start":9246,"chunk_id":"chk_9b4aff6913e983c0","chunk_index":7,"chunk_sha256":"c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)\n9.2 Closing Costs Subtotals (D + I)\n9.3 Lender Credits\n\n9.3.1 Tolerance Cure $\n\n8.18.1 $\n\n8.19.2 $\n\n8.19.3 $\n\n9.1.1 $\n\n9.2.2 $\n9.3.2 -$\n\n9.2.3 $\n\n9.2.4 $\n\n9.2.5 $\n\n9.2.6 $\n\nCLOSING DISCLOSURE\n\nPAGE 2 OF 5 ▪ LOAN ID #\n\nUniform Closing Dataset v2.0\n\nNumbered Model Disclosure\n\nCalculating Cash to Close\n\n10.0 Use this table to see what has changed from your Loan Estimate.\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\n(Complete if “YES”)\n\n10.1 Total Closing Costs (J)\n\n10.1.1\n\n$ 10.1.2\n\n$ 10.1.3 NO/YES 10.1.4 ▪ See Total Loan Costs (D) and Total Other Costs (I).\n\n10.2 Closing Costs Paid Before Closing\n\n10.3 Closing Costs Financed\n\n(Paid from your Loan Amount)\n\n10.4 Down Payment (Purchase)/Funds\nfrom Borrower (Non-Purchase)\n10.5 Deposit\n\n10.6 Funds for Borrower\n\n10.7 Seller Credits\n10.8 Adjustments and Other Credits\n\n10.9 Cash to Close\n\n▪ Increase exceeds legal limits by $. See Lender\n Credits on page 2 for credit of excess amount.\n\n10.2.1\n10.3.1\n\n-$ 10.2.2\n$ 10.3.2\n\n-$ 10.2.3 NO/YES 10.2.4 • You paid these Closing Costs before closing\n$ 10.3.3 NO/YES 10.3.4 • You included these Closing Costs in your loan\n\n10.4.1\n\n$ 10.4.2\n\namount\n$ 10.4.3 NO/YES 10.4.4 • See details in Section(s) K and/or L\n\n10.5.1\n10.6.1\n"}
diff --git a/chunks/json/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.json b/chunks/json/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.json
new file mode 100644
index 0000000000000000000000000000000000000000..103534fe08db9a2f99465c1c50ec098a6f2d5eee
--- /dev/null
+++ b/chunks/json/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":318973,"char_start":317355,"chunk_id":"chk_f3161b213a973f8e","chunk_index":188,"chunk_sha256":"c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Fully Below Grade\n\nPartially Below Grade\n\nBelow ground level with each wall having earth contact and not having the potential for ingress or egress at ground level\nwithout the use of stairs.\nNote: When ANSI is the applicable standard, fully below grade area is counted in Below Grade Finished Area (10.006) or\nBelow Grade Finished Area (Nonstandard) (10.007) in Area Breakdown.\n\nPartially below ground level with wall(s) having earth contact, and at least one wall having existing or potential ingress or\negress at ground level (e.g., walk out basement).\nNote: When ANSI is the applicable standard, partially below grade area is counted in Below Grade Finished Area (10.006)\nor Below Grade Finished Area (Nonstandard) (10.007) in Area Breakdown.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nBelow Grade Exterior Access (Choose one for each applicable level in the unit)\n\nCellar Door\n\nWalk Out\n\nWalk Up\n\nTypically an angled door covering the exterior stairwell of a below grade area. Sometimes referred to as a bulkhead door.\n\nA means of ingress or egress by walking out at grade level.\n\nA means of ingress or egress by walking up to grade level (e.g., stairs).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nExamples: Level in Unit, Grade Level Type, and Area Breakdown\n\nExample 1:\n\nLevel in Unit, Grade Level Type, and Area Breakdown: Example 1\n\nLevel in Unit\n10.029\n\nGrade Level Type\n10.030\n\nLevel B2\n\nBelow Grade\n\nPossible Answers in Area Breakdown\n\n•\n•\n•\n\nBelow Grade Finished Area 10.006\nBelow Grade Finished Area (Nonstandard) 10.007\nBelow Grade Unfinished Area 10.008\n"}
diff --git a/chunks/json/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.json b/chunks/json/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.json
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index 0000000000000000000000000000000000000000..315bbc05a00b92f13e0e889227b94e2cf3599963
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+++ b/chunks/json/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12868,"char_start":11269,"chunk_id":"chk_49b09ea9a809bf86","chunk_index":7,"chunk_sha256":"c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"778000\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nRefinance\n\nProjectSpecialAssessmentsAttributedToSubjectProperty\n\nNegligible Impact: Project Building Repairs for rehabilitation of all balconies in the project. Term of special assessment is 2 years.\n\nNeutral\n\nProjectLegalAction\n\nThere is existing litigation due to a contract issue experienced by a roofing company that has worked on the property. The litigation concerns an issue of non-payment to the roofing company for repairs made to the roof of the subject building.\n\nNeutral\n\nProjectCommercialSpace\n\nCommercial space is a convenience store\n\nNeutral\n\nSingleEntityGreatestNumberOfUnitsOwned\n\nNeutral\n\nProjectFactors\n\nThe total special assessment for the unit is $3,160. This outstanding special assessment is considered typical for this type of building in this market area, so no further analysis is necessary.\n\nProject\n\nThe common elements appear to be adequately maintained. Within this project you have access to parking spaces adequate for the size of the community and have access to a common pool and spa area.\n\nSubjectPropertyAmenities\n\nMaintenance of exterior amenities is provided by the homeowners association.\n\nSketch\n\nThe subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/multifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements.\n\nSiteInfluences\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSiteFeatures\n\nAdditional commentary can be added here, if needed by Appraiser.\n"}
diff --git a/chunks/json/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.json b/chunks/json/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.json
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index 0000000000000000000000000000000000000000..4899750e38515c90b83e01e6ad63510a0a4d2cc8
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+++ b/chunks/json/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":554857,"char_start":553149,"chunk_id":"chk_241254f57bca2590","chunk_index":327,"chunk_sha256":"c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Data Field\nConditionality 1073\nDesktop/465D\n\n330\n\n3\n\n11\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress and\n(Line 1)\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n42\n\nString\n\n331\n\n3\n\n12a\n\nSALES\nCOMPARISON\nAPPROACH\n\nUnit #\n\nUnit Identifier\n\nThe identification of the unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier\n\n30\n\nString\n\n332\n\n3\n\n12b\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty City\n\nThe city in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_City\n\n40\n\nString\n\n333\n\n3\n\n12c\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty State\n\nThe state in which the subject property is\nlocated.\n\n/VALUATION_RESPONSE/PROPERTY/@_State\n\n2\n\nString\n\n334\n\n335\n\n336\n\n337\n\n338\n\n3\n\n3\n\n3\n\n3\n\n3\n\n12d\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n13\n\n14\n\n15\n\n16\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nProject Name and\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name\n\nPhase\n\nProject Phase\nIdentifier\n\nThe current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@PropertySalesAm\nount\n"}
diff --git a/chunks/json/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.json b/chunks/json/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.json
new file mode 100644
index 0000000000000000000000000000000000000000..550424a1437f0a776e5e4ea480cf91a98683eb40
--- /dev/null
+++ b/chunks/json/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4991,"char_start":3388,"chunk_id":"chk_9c867ea325e20ab9","chunk_index":2,"chunk_sha256":"c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"C. Form Field ID Format\n\nThe Form Field IDs increase sequentially by CD section, generally moving from left to right and then down the form. The\nnumbers have the following format, where “n” is a sequential number:\n\nn.0 - Identifies a form section. Form section IDs do not map to any data points.\nn.m – Identifies a Form Field (m) within a form section (n).\nn.m.o – Identifies additional details (o) about a Form Field (m) within a form section (n).\n\nD. Identical Values Required in More than one Form Location\n\nWhen an identical value appears in more than one location on the CD, it generally is represented by the same XPaths and\ndata points and appears only once in the XML file. The UCD v2.0 Specification Closing Disclosure Cross Reference columns Q\n– V identify all the Form Fields supported by each data point.\n\n1 Federal Register, Vol. 78, No. 251, December 31, 2013. “Part II – Bureau of Consumer Financial Protection. 12 CFR Parts 1024 and 1026\nIntegrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z).”\n\nUniform Closing Dataset v2.0\n\nNumbered Model Disclosure\n\n0.1 Closing Disclosure\n\nThis form is a statement of final loan terms and closing costs. Compare this\ndocument with your Loan Estimate.\n\n1.0 Closing Information\n\n2.0 Transaction Information\n\n3.0 Loan Information\n\n1.1 Date Issued\n1.2 Closing Date\n\n2.1 Borrower (Name(s)\n2.1.1 (Address(es))\n\n1.3 Disbursement Date\n1.4 Settlement Agent (Company Name)\n1.5 File #\n1.6 Property (Address)\n\n2.2 Seller (Name(s))\n2.2.1 (Address(es))\n\n2.3 Lender (Company Name)\n"}
diff --git a/chunks/json/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.json b/chunks/json/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.json
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index 0000000000000000000000000000000000000000..90d0e3cbf57d5298ce9df515ba09931b815623ee
--- /dev/null
+++ b/chunks/json/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8408,"char_start":6737,"chunk_id":"chk_b35acbd414eff08a","chunk_index":4,"chunk_sha256":"c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2","date_utc":"2026-01-27T17:46:24+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e5501f422313448a","text_sha256":"c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (4).pdf"]},"text":"q Identify needed updates to systems\nand process for Uniform Collateral\nData Portal® (UCDP ®) submission.\n\nq Start thinking about allocating\n\nresources you'll need to implement\nchanges to your process.\n\nBuild to the Spec & Updated UCDP\nDI Technical Integration Guide (TIG)\n\nq Make necessary system\n\nenhancements to support a\nmodernized UCDP direct\nintegration.\n\nq Implement any identified process\nchanges or notify your lender\npartner of these needed changes to\ntheir processes.\n\nTest and Verify\n\nq Look for UCDP-specific training.\n\nq Make sure you or your lender\n\npartners are able to submit the new\ndynamic report to UCDP.\n\n2023\n\n2023-2024\n\n2023-2024\n\nM A R C H 2 0 2 3\n\n10\n\nLender/Loan Origination System (LOS) Roadmap\n\nSpec Delivery\n\nTest and Verify\n\nPrepare Your Staff\n\nq UAD 3.6 spec delivered to industry.\n\nq Make sure your software partners\n\nq Make sure your staff is familiar with\n\nq Check in with all partners to\ndetermine possible impacts.\nq Start thinking about allocating\n\nresources you'll need to implement\nchanges to your process.\n\nare aware of the new UAD\nspecification and are building\nto it.\n\nq Check in periodically to make\n\nsure software partners are on track\nfor integrating and accepting the\nnew UAD.\n\nq Begin testing your software partners’\n\nproducts.\n\nthe new URAR.\n\nq Provide training materials and\neducational opportunities.\n\nq Make sure any operational changes\nare made and working as intended.\n\n2023\n\n2023-2024\n\n2024 and Beyond\n\nM A R C H 2 0 2 3\n\n11\n\nAppraiser Roadmap\n\nKeep an Eye Out for Training\n\nq The GSEs will be developing\ntraining and appraiser-specific\nresources to help familiarize you\nwith the new UAD and dynamic\nappraisal form.\n"}
diff --git a/chunks/json/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.json b/chunks/json/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f3914edea738fa961a31eef6119b7c851e37d97
--- /dev/null
+++ b/chunks/json/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":332473,"char_start":330862,"chunk_id":"chk_549fd7ead19cc9de","chunk_index":183,"chunk_sha256":"c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\nThe lender must monitor and assess the work performed by the data collector through the lender's quality control program\nincluding prefunding and post-closing reviews. The lender must continually evaluate the quality of its property data collectors\nand property data collection. See Selling Guide, Subpart D1, Lender QC Process, for additional information.\n\nExercising Value Acceptance + Property Data\n\nA lender may only exercise value acceptance + property data when\n\nthe final submission of the loan casefile to DU resulted in an eligibility message for value acceptance + property data,\n\n•\n• property data collection is submitted to the Property Data API prior to the note date,\n•\n•\n\nan appraisal is not obtained for the transaction, and\nthe offer is not more than four months old on the date of the note and mortgage.\n\nLenders that elect to exercise value acceptance + property data must include Special Feature Code 774 at loan delivery. The\nproperty data collection is only valid for 12 months from the date of collection and must be performed prior to the note date.\n\nIf the value acceptance + property data offer is lost due to changes in qualifying loan characteristics after the property data\ncollection was obtained, in some cases it may be possible for the lender to provide the property data collection to an appraiser to\nperform a hybrid appraisal. See SB4-1.2-03, Hybrid Appraisals for specific requirements. Alternatively, the lender may obtain a\ndesktop or traditional appraisal report as specified by DU.\n\nProperty Data Collection with Needed Repairs or Completion Verification\n"}
diff --git a/chunks/json/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.json b/chunks/json/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.json
new file mode 100644
index 0000000000000000000000000000000000000000..a35e09c5f7c0776629bd6ac2a5d0833f0f4298c3
--- /dev/null
+++ b/chunks/json/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4817,"char_start":3211,"chunk_id":"chk_f975b2397a9f661b","chunk_index":2,"chunk_sha256":"c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_010866be569585a7","text_sha256":"c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.xml/SF1_Appraisal_v1.3.xml"]},"text":"Q4\n\nThreeToFourFeet\n\n1\n\nCondition Status is reflective of noted repair having been completed.\n\nCentralized\n\nNaturalGas\n\nForcedWarmAir\n\nSumpPump\n\nWaterHeater\n\ntrue\n\nPropertyPhoto\n\n\\\\Images\\SF1_SubjectProperty.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\SF1_SubjectProperty.png\n\nimage/png\n\nPropertyAccess\n\n\\\\Images\\SF1_PropertyAccess.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\SF1_SalesCompMap.png\n\nimage/png\n\nDwellingRear\n\n\\\\Images\\SF1_DwellingRear.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\SF1_DwellingFront.png\n\nimage/png\n\nRESNET HERS Score\n\nEnergyEfficientAndGreenFeaturesExhibit\n\n\\\\Images\\SF1_HERSScore.png\n\nimage/png\n\nAbsorptionRateGraph\n\n\\\\Images\\SF1_AbsorptionRate.png\n\nimage/png\n\nMedianDaysOnMarketGraph\n\n\\\\Images\\SF1_MedianDaysOnMarket.png\n\nimage/png\n\nPriceTrendGraph\n\n\\\\Images\\SF1_PriceTrends.png\n\nimage/png\n\nYearBuiltOfSalesGraph\n\n\\\\Images\\SF1_YearBuiltOfSales.png\n\nimage/png\n\n2019-09-20\n\nPhysical\n\nPhysical\n\n12\n\ntrue\n\n12\n\n489000\n\n489000\n\n2019-09-17\n\nFQ999999\n\n2019-09-05\n\nPending\n\nMLS\n\n25.165173\n\n-51.328125\n\nNorth: E. Grant Highway, South: E. Temple Ave., East: Chicken Rd., West: 10 Main Ave.\n\n24\n\nSearch Criteria limited by Detached units with a lot size of up to .6 acres and Finished Above Grade Area between 2700 and 3300 sq. ft. Additional factors include between 2-4 full bathrooms, 3-5 bedrooms, a basement and a 2 car garage. Searched between closing dates of 9/30/2017 and 9/30/2019.\n\n2\n\n445000\n\n435000\n\n11\n\n440000\n\nActiveListings\n\n1\n\nPendingSales\n\n35\n\n597000\n\n400000\n\n499000\n\nTotalSales\n\nUnderThreeMonths\n\nShortage\n\nfalse\n\nSunnyside\n\nLot 53 Sunnyside Subdivision\n\n14950\n\nLandWithDwelling\n"}
diff --git a/chunks/json/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.json b/chunks/json/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.json
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index 0000000000000000000000000000000000000000..6498110576f1aeb73ceb2e10848eec9dcc5f4fad
--- /dev/null
+++ b/chunks/json/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":703848,"char_start":702226,"chunk_id":"chk_c2c0075bdcf8360d","chunk_index":419,"chunk_sha256":"c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Depreciation for Each Outbuilding\n\nOne of the following may be provided for each outbuilding that is considered real property:\n• Separate physical, functional and external depreciation (percent and dollar amount), or\n• Total depreciation (dollar amount). This is an aggregate number representing physical, functional, and\n\nexternal depreciation.\n\nSee example in Depreciation For Each Dwelling.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nCost Approach – Depreciation (Outbuilding)\n\n25.028 Physical\n\nDepreciation\n\n25.029 Physical\n\nDepreciation\n\n25.030\n\nFunctional\nDepreciation\n\n25.031\n\nFunctional\nDepreciation\n\n25.032 External\n\nDepreciation\n\n25.033 External\n\nDepreciation\n\n25.034 Total\n\nDepreciation\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Total\nDepreciation is not\nprovided\n\nRequired if Physical,\nFunctional and\nExternal Depreciation\nare not provided\n\nPercent\n\nOutbuilding Physical Depreciation Percent\n\nDollar amount\n\nOutbuilding Physical Depreciation Amount\nCalculated: Outbuilding Physical Depreciation Percent x Sum of all the Area\nType Costs for the outbuilding.\n\nPercent\n\nOutbuilding Functional Depreciation Percent\n\nDollar amount\n\nOutbuilding Functional Depreciation Amount\nCalculated: Outbuilding Functional Depreciation Percent x sum of all the Area\nType Costs for the outbuilding.\n\nPercent\n\nOutbuilding External Depreciation Percent\n"}
diff --git a/chunks/json/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.json b/chunks/json/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.json
new file mode 100644
index 0000000000000000000000000000000000000000..ec66afc6c9db65e3cec17ff5c645659aae41c1f8
--- /dev/null
+++ b/chunks/json/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1274304,"char_start":1272703,"chunk_id":"chk_be12c094de6718c6","chunk_index":755,"chunk_sha256":"c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate\n\n10\n\nDate/Time\n\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\nNote: This data is referenced more than once on the form (field 2-135) and must be\nrepresented consistently.\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState Certification #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE[@_Type=‘Certificate’]/@_Identifier\n\n50\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor State License #\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nor Other (describe)\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\nAppraiser License\nType Other\nDescription\n\nA free form text field used to capture\nadditional information when Other is\nselected for Appraisal License Type.\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE[@_Type=‘License’]/@_Identifier\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE[@_Type=‘Other’]/@_TypeOtherDescription\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE[@_Type=‘Other’]/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nState\n\nAppraiser License\nState\n"}
diff --git a/chunks/json/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.json b/chunks/json/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.json
new file mode 100644
index 0000000000000000000000000000000000000000..5d70d06c9a118cb24c53ef9820c959f052a2043c
--- /dev/null
+++ b/chunks/json/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3292,"char_start":1657,"chunk_id":"chk_e76b7ae76af23f38","chunk_index":1,"chunk_sha256":"c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356","token_estimate":407,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"[Follow](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=top-card_top-card-secondary-button-top-card-secondary-cta)\n\n- [![image]() ![image]() ![image]()\n\nView all 700 employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=org-employees_cta_face-pile-cta)\n\n- [Report this company](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=top-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=COMPANY&_f=guest-reporting)\n\n## About us\n\nThe Federal Housing Finance Agency (FHFA) is an independent government agency responsible for overseeing $6.2 trillion in the housing finance marketplace. FHFA’s mission is to ensure a stable and reliable source of funding for homeownership in the United States by regulating Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. FHFA has acted as conservator of Fannie Mae and Freddie Mac since September 2008. As a member of the Financial Stability Oversight Council, FHFA collaborates with other regulators to create the market rules that protect and balance the interests of all stakeholders in the housing finance system, including banks, investors, and homeowners. FHFA Privacy Policy: go.usa.gov/kQh9\n\nWebsite [http://www.fhfa.gov](https://www.linkedin.com/redir/redirect?url=http%3A%2F%2Fwww%2Efhfa%2Egov&urlhash=5ICf&trk=about_website) External link for Federal Housing Finance Agency\n\nIndustry Government Administration\n"}
diff --git a/chunks/json/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.json b/chunks/json/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.json
new file mode 100644
index 0000000000000000000000000000000000000000..0fa0ae4e1f1fc8865bbc1432d126af500bbb4bbc
--- /dev/null
+++ b/chunks/json/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":143963,"char_start":142353,"chunk_id":"chk_44136d5a2816b437","chunk_index":81,"chunk_sha256":"c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"affordable program.\n\nApp Info: Deprecated: replaced with Loan Affordable Indicator\n\nNotes: These examples are a representative sample of the reasons why MISMO\ndata points are retired. In the first case, the data point was made\nunnecessary by the new, modular structure of the v3.0 Reference Model.\nIn the second case, the sponsoring entity no longer required the data\npoint. In Case 3, the data point was re-named.\n\n2. Deprecated Containers\n\nThe “Deprecated Containers” worksheet provides an alphabetical list of retired\ncontainers in Column A, with the associated definition, if available, in Column B, the\nURN in Column C, and Count and Parent containers in Column D. No explanation is\ngiven about the disposition of the containers. The “Deprecated Containers” worksheet\nsimply notes the container’s exclusion from the V3.0 Reference Model.\n\nF. Additions: The Extension Container\n\nEach container in the V3.0 Reference Model has a child EXTENSION container. The\nEXTENSION container makes it possible to add additional content yet still validate against\nthe MISMO standardized schema.\n\nEXTENSION containers can have multiple child containers, and any number of data points\nwithin either a childless EXTENSION container or each child container. Business partners\nneeding to add data to the MISMO standard must use the EXTENSION container and should\ncheck with MISMO for the proper procedure for doing so.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 65 of 76\n\nSection VII. Glossary\n\nVII. Glossary\n"}
diff --git a/chunks/json/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.json b/chunks/json/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.json
new file mode 100644
index 0000000000000000000000000000000000000000..6c12f54497fc18c90d500cff382691e6756642d7
--- /dev/null
+++ b/chunks/json/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11530,"char_start":9910,"chunk_id":"chk_2a6f173b94afcb3f","chunk_index":5,"chunk_sha256":"c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1a65065b3ed6f3a3","text_sha256":"c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Risk_Transfer___FHFA_wrc2oh.md"]},"text":"**Links:**\n\n---\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2023* (4/11/2024)](/sites/default/files/2024-04/CRT-Progress-Report-4Q23.pdf)\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2022* (5/31/2023)](/sites/default/files/2024-01/CRT-Progress-Report-4Q22.pdf)\n\n[*Credit Risk Transfer Progress Report Fourth Quarter 2021* (5/2/2022)](/sites/default/files/2023-04/CRT-Progress-Report-4Q21.pdf)\n\n[FHFA Announces Final Rule Amending the Enterprise Regulatory Capital Framework (2/25/2022)](/node/10526/)\n\n[Final Rule: Enterprise Regulatory Capital Framework - Prescribed Leverage Buffer Amount and Credit Risk Transfer (2/25/2022)](/regulation/federal-register/final-rule/enterprise-regulatory-capital-framework-prescribed-leverage-buffer-amount-and-credit-risk-transfer)\n\n[Fact Sheet: Final Rule to Amend the Enterprise Regulatory Capital Framework (2/25/2022)](/sites/default/files/2023-05/Fact-Sheet-Final-Rule-CRT_2252022_1.pdf)​\n\n[​Enterprise Capital Credit Risk Transfer Tool (XLS) (2/25/2022)](/sites/default/files/Enterprise-Capital-CRT-Tool-02252022.xlsx)​\n\n[FHFA Issues Notice or Proposed Rulemaking to Amend the Enterprise Regulatory Capital Framework (9/15/2021)](/node/10331)\n\n[Proposed Rule: Amendments to the Enterprise Regulatory Capital Framework Rule - Prescribed Leverage Buffer Amount and Credit Risk Transfer (9/15/2021)](/regulation/federal-register/proposed-rulemaking/amendments-to-the-enterprise-regulatory-capital-framework-rule)\n\n[Fact Sheet: Proposed Rule to Amend Enterprise Regulatory Capital Framework (9/15/2021)](/sites/default/files/2023-03/fact-sheet-capital-npr.pdf)\n"}
diff --git a/chunks/json/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.json b/chunks/json/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.json
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index 0000000000000000000000000000000000000000..3f396c48e1b645a39f650ccc91fcc401006390bb
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+++ b/chunks/json/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":447,"char_start":0,"chunk_id":"chk_65e5de6606fd9704","chunk_index":0,"chunk_sha256":"c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ed9d928a7f72fadf","text_sha256":"c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf","token_estimate":128,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Appendix_C___XML_Samples___Fannie_Mae_ph49ua.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499\"\ndate_accessed: \"2026-01-27T18:02:18.009Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.json b/chunks/json/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.json
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index 0000000000000000000000000000000000000000..e68573221e09431a51ebf25748868276a475a997
--- /dev/null
+++ b/chunks/json/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18219,"char_start":16831,"chunk_id":"chk_9b5bd601d11b6496","chunk_index":8,"chunk_sha256":"c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa","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":"SB4-1.4-06, Community Land Trust Appraisal\nRequirements (06/04/2025)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 7 of 166\n\nUAD 3.6 Policy\n\nB4-1.4-07, Mixed-Use Property Appraisal\nRequirements (06/04/2025)\n\nSB4-1.4-07, Non-Residential Use Appraisal\nRequirements for Mixed-Use Properties (06/04/2025)\n\nB4-1.4-08, Environmental Hazards Appraisal\nRequirements (06/04/2025)\n\nSB4-1.4-08, Apparent Environmental Conditions\n(06/04/2025)\n\nB4-1.4-09, Special Assessment or Community\nFacilities Districts Appraisal\nRequirements (06/04/2025)\n\nSB4-1.4-09, Special Assessment or Community\nFacilities Districts Appraisal Requirements (06/04/2025)\n\nB4-1.4-10, Value Acceptance (12/10/2025)\n\nSB4-1.4-10, Value Acceptance (12/10/2025)\n\nB4-1.4-11, Value Acceptance + Property\nData (12/10/2025)\n\nSB4-1.4-11, Value Acceptance + Property\nData (12/10/2025)\n\nB4-2.1-01, General Information on Project\nStandards (08/06/2025)\n\nSB4-2.1-01, General Information on Project\nStandards (08/06/2025)\n\nB4-2.2-06, Project Eligibility Review Service (PERS)\n(06/04/2025)\n\nSB4-2.2-06, Project Eligibility Review Service (PERS)\n(06/04/2025)\n\nB4-2.3-01, Eligibility Requirements for Units in PUD\nProjects (12/10/2025)\n\nSB4-2.3-01, Eligibility Requirements for Units in PUD\nProjects (12/10/2025)\n\nB5-2-02, Manufactured Housing Loan\nEligibility (12/10/2025)\n\nSB5-2-02, Manufactured Housing Loan\nEligibility (12/10/2025)\n"}
diff --git a/chunks/json/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.json b/chunks/json/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.json
new file mode 100644
index 0000000000000000000000000000000000000000..def30d7e210c0bb90516b476c46fb75f3e3e6ca8
--- /dev/null
+++ b/chunks/json/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":598859,"char_start":597060,"chunk_id":"chk_8a7cd7ddc4612e66","chunk_index":345,"chunk_sha256":"c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Forced Warm Air\n| Natural Gas\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 1\n\n$(3,000)\n\n1,260 Sq. Ft.\n\n1,240 Sq. Ft.\n\n$0\n\n1,278 Sq. Ft.\n\n$0\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 4 | Concrete\n\nDriveway | 2 | Concrete\n\nDeck\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\n$0\n\n$0\n\n—\n\n—\n\n—\n\n—\n\n—\n\nQ4\n\nC3\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 13 of 19\nPage 13 of 19\n\nSales Comparison Approach (continued)\n\nProperty Address\n\n213 Tree Stand Rd\nAnytown, MD 09992\n\n849 Jolly Ave\nAnytown, MD 09992\n\n342 Trail Dr\nAnytown, MD 09992\n\nSubject Property\n\nComparable #4\n\nComparable #5\n\nSummary\n\nList Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$362,500\n\n$360,000\n\n$0\n\n$290\n\n$360,000\n\nMost\n\n$369,900\n\n$365,000\n\n$(5,500)\n\n$286\n\n$359,500\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$350,000\n\nReconciliation of Sales Comparison Approach\n\nThe comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time\nadjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and\n5, which although located further away are still within the subject’s market area.\n"}
diff --git a/chunks/json/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.json b/chunks/json/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.json
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index 0000000000000000000000000000000000000000..6bcfb657e0fa45ee8990dc4fb745f14b07868dc3
--- /dev/null
+++ b/chunks/json/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12166,"char_start":10491,"chunk_id":"chk_dad6613c5d20d0f3","chunk_index":6,"chunk_sha256":"c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":"The dwelling is a structure constructed\nin a manner reflecting a lack of basic\narchitectural designs and may not meet\nlocal building standards. The materials\nand amenities are low quality, alternate,\nor non‐customary; or whose\nconstruction or installation reflects\nunskilled workmanship and may not be\nadequately equipped to support year‐\nround occupancy. Q6 dwellings may be\nrare or even non‐existent in many\ncommunities.\n\n\n\n\n\n\n\nLarge general living areas or main bedroom\nwith all other rooms sufficiently sized.\nSome rooms may have vaulted ceilings, and\ncustom design elements such as built‐ins,\nupgraded trim, finishes, mouldings and wall\ntreatments.\nUpgraded or high‐grade floor coverings\nthat exceed the quality and durability of\nstandard‐grade.\n\n Moderately sized kitchens featuring\nupgraded appliances, cabinetry and\ncountertops or a mix of upgraded and high‐\ngrade elements.\n\n Multiple bathrooms of moderate size with\nsome bathrooms specifically dedicated to\ncertain bedrooms as well as at least one\ncommon bathroom; containing upgraded\ncabinetry and plumbing fixtures or a\nmixture of upgraded and high‐end\nelements.\n\n\n\n\n\nSufficiently sized rooms typically with flat\nceilings and some vaulted ceilings in larger\nrooms, some trim or finishes of basic\ndesign.\nStandard floor coverings that exceed the\nquality and durability of economy grade.\n\n Moderately sized kitchens featuring\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nstandard‐grade appliances, cabinetry and\ncountertops or a mix of economy and\nupgraded elements.\nUsually featuring multiple bathrooms of\nmoderate size containing standard‐grade\ncabinetry and plumbing fixtures or a\nmixture of economy and upgraded\nelements.\n"}
diff --git a/chunks/json/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.json b/chunks/json/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.json
new file mode 100644
index 0000000000000000000000000000000000000000..8b830ef8bacb811f0bbabaa006d5d91a05a07a30
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+++ b/chunks/json/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11531,"char_start":9818,"chunk_id":"chk_1b9216db02a5b23d","chunk_index":14,"chunk_sha256":"c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a","token_estimate":429,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Page 5\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted electronically through the Uniform\nCollateral Data Portal® (UCDP®). At the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-\nsponsored enterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization (MISMO®)\nReference Model 2.6, providing consistent data standards for the loans the GSEs purchase.\n\nThe dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization in the\nappraisal process and the mortgage industry.\n\nStandardizing the data was critical to evaluating risk at a macro level in the Legacy UAD. The new dataset will take this advancement even further by:\n\n• Creating consistent enumerated fields.\n• Keeping the related data together in each section for an easy-to-read report.\n• Conditionality driving what sections appear on the final output, eliminating the need for multiple forms to support different property and\n\nassignment types.\n\nThe updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more scalable and\nflexible than the Legacy forms, help appraisers comply with the Uniform Standards of Appraisal Practice (USPAP), and better define the Scope of Work.\n\nIn addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is outdated and no longer supported by\nMISMO. As part of this update, the UAD will conform to the latest MISMO Reference Model (3.6).\n"}
diff --git a/chunks/json/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.json b/chunks/json/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.json
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index 0000000000000000000000000000000000000000..9603e8be2080edf645332dabb5bc8af48792ec21
--- /dev/null
+++ b/chunks/json/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.json
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+{"chunk":{"char_end":1943,"char_start":0,"chunk_id":"chk_3365047ae80e8503","chunk_index":0,"chunk_sha256":"c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fdfc246cb69f198c","text_sha256":"c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-february-25-2023.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 11.1\n\nJan. 25, 2023\n\nDuring the weekend of Feb. 25, 2023, Fannie Mae will implement Desktop Underwriter® (DU®) Version 11.1, which will include\nthe changes described below.\n\nThe changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of Feb. 25, 2023. Loan\ncasefiles created in DU Version 11.0 and resubmitted after the weekend of Feb. 25 will continue to be underwritten through DU\nVersion 11.0.\n\nThe changes in this release include the following:\n▪ DU Risk and Eligibility Assessment Update\n▪ HomeStyle® Renovation Update\n▪ Rent Payment Identification on Third-Party Asset Verification Reports\n▪ Cash Flow Assessment\n▪ Updates to Align with the Selling Guide\n▪ Retirement of DU Version 10.3\n\nDU Risk and Eligibility Assessment Update\n\nAs part of normal business operations and prudent risk management, we regularly review and adjust the DU risk assessment\nbased on the latest market and loan performance data. DU Version 11.1 will include an updated risk assessment that will fine-\ntune DU’s ability to assess risk while fostering homeownership sustainability. This update will continue to help lenders\nunderwrite with confidence.\n\nWe anticipate that these changes may yield a reduction in loan casefiles receiving an Approve/Eligible recommendation, with the\nmost noticeable reduction on loan casefiles with high LTV ratios and high DTI ratios when multiple high-risk factors are present.\n\nCertain loan casefiles that meet our affordable housing mission initiatives will continue to be excluded from receiving an\nApprove/Ineligible recommendation due to a combination of product features and risk factors being present. This population\nincludes specific housing goals-eligible loans, loans purchased under various Duty to Serve initiatives, as well as other loans\nsecuring properties that support affordable supply within their market.\n"}
diff --git a/chunks/json/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.json b/chunks/json/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.json
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index 0000000000000000000000000000000000000000..a29982b5af61c93c9e7b93ee769a0439c30f18c2
--- /dev/null
+++ b/chunks/json/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39807,"char_start":38519,"chunk_id":"chk_8a9a86b8ed39b659","chunk_index":22,"chunk_sha256":"c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb","token_estimate":322,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nSignature\n\nAppraiser\nJohn Appraiser\nJohn Appraiser\n\n03/15/2024\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n03-XXXXXX\nMD\n12/31/2025\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n"}
diff --git a/chunks/json/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.json b/chunks/json/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..e055bc8aee022c7ed22c13c50f477ef3fd1c126e
--- /dev/null
+++ b/chunks/json/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":365187,"char_start":363563,"chunk_id":"chk_443ddbfd03026958","chunk_index":295,"chunk_sha256":"c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Adjustments\n\nAdjustments in the Sales Comparison Approach are either:\n\n• At the row level (Figure 22 - 3), or\n• An overall adjustment (Figure 22 - 4) at the subsection level, or\n•\n\nIn the case of Outbuilding, an adjustment for each instance of Outbuilding Type (Figure 22 - 5).\n\nIn all cases a ComparableAdjustmentType must be included. Adjustments are provided using ComparableAdjustmentAmount (UID:\n1800.0317) AND ComparableAdjustmentType (UID: 1800.0318). Adjustments must be delivered in the XML even if the amount is zero (0).\n\nReference the “Supplement - Approaches to Value Grids” spreadsheet for specifics.\n\n• An adjustment at the row level:\n\nFigure 22 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• An overall adjustment:\n\nFigure 22 - 4\n\nPage 280\n\n• An adjustment for each instance of Outbuilding Type:\n\nFigure 22 - 5\n\nSales Comparison Approach displays when SalesComparisonApproachIndicator (UID: 1000.0032, FID: Not on report) = \"true\". Although the\nmajority of appraisals include the Sales Comparison Approach, there are cases where this section would not be included.\n\n• The Sales Comparison Approach section always begins at the top of a page.\n• Comparable # - the PropertyOrdinalNumber (UID: 1800.0192, FID: 22.01.16) must be indicated.\n• Display the subject property and 3 comparable properties on the first page.\n\no\n\nIf additional comps are provided, display the subject and comparables on subsequent pages.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no The scenario for Condo1 (Figure 22 - 6) provides an example of 4 comparable properties.\n\n▪ Only the grid for Comp 4 displays with the subject.\n"}
diff --git a/chunks/json/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.json b/chunks/json/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.json
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index 0000000000000000000000000000000000000000..cd19ba81da223c08860f648e76c49be68ed5ee68
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+++ b/chunks/json/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.json
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+{"chunk":{"char_end":20215,"char_start":19979,"chunk_id":"chk_e9d2572090cbbc71","chunk_index":12,"chunk_sha256":"c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330","token_estimate":59,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml","below_target_min_tokens"]},"text":"VA\n\nAppraiser\n\nAppraisalFee\n\n0\n\nBob\n\nBorrower\n\nBorrower\n\nBetty\n\nBorrower\n\nBorrower\n\nJane\n\nDoe\n\nPropertySeller\n\nPropertyOwner\n\nValuation\n\n2019-09-08\n\n\\\\SF3_Appraisal_v1.3.pdf\n\napplication/pdf\n\n1\n\nAppraisalReport\n\nFNM_FRE\n\nSeptember 2024\n"}
diff --git a/chunks/json/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.json b/chunks/json/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.json
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+++ b/chunks/json/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_0da40ba84d300ae4","chunk_index":0,"chunk_sha256":"c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7145b8d52c3753a9","text_sha256":"c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Rulemaking_and_Federal_Register___FHFA_aiuoq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/regulation/rulemaking\"\ndate_accessed: \"2026-01-27T17:54:20.427Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.json b/chunks/json/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.json
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index 0000000000000000000000000000000000000000..03826efddba79d14fe71d9cd6e12c30d14f0f00b
--- /dev/null
+++ b/chunks/json/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8708,"char_start":7089,"chunk_id":"chk_da34b9c3aaeff293","chunk_index":4,"chunk_sha256":"c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e28f853a51952cd8","text_sha256":"c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Chief_FOIA_Officer_Report___U_S__FEDERAL_HOUSING_8uekob.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Chief FOIA Officer Report\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Chief FOIA Officer Report\n\nFHFA is committed to providing access to Agency records through a citizen-centered and results-oriented FOIA program. FHFA has a decentralized FOIA system, as each component (FHFA Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)) maintains and processes its own records in response to FOIA requests.\n"}
diff --git a/chunks/json/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.json b/chunks/json/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.json
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+++ b/chunks/json/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22848,"char_start":21121,"chunk_id":"chk_78f22042330c9abb","chunk_index":13,"chunk_sha256":"c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d","token_estimate":432,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"This is where the Comparable 4 photo would display.\n\nComparable #5\n\nThis is where the Comparable 5 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$350,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$350,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-60 days\n03/03/2024\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 16 of 19\nPage 16 of 19\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nRevision History\n\nRevision Date\n03/15/2024\n\nURAR Section\nSales Comparison Approach\n\n03/15/2024\n\nReconciliation\n\nReconsideration of Value\n\nType\nDate\n\nBorrower-Initiated\n03/15/2024\n\nDescription\nThe comparables provided from the borrower-initiated ROV were reviewed\nand considered. Two sales were deemed reliable and put in the sales grid,\nwhich increased the Indicated Value by Sales Comparison Approach. One was\ndeemed less reliable and added to Additional Properties Analyzed Not Used.\n\nDue to the increase in Indicated Value by Sales Comparison\nApproach, the Opinion of Value changed.\n\nResult\n\nValue Change\n\nReconsideration of Value Commentary The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After\nanalyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.\n"}
diff --git a/chunks/json/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.json b/chunks/json/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.json
new file mode 100644
index 0000000000000000000000000000000000000000..5084b83ec21374788a488276b546dfddb6c83f04
--- /dev/null
+++ b/chunks/json/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1181056,"char_start":1179346,"chunk_id":"chk_31b9ada9b90074a7","chunk_index":701,"chunk_sha256":"c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='DesignStyle']/@_Amount\n\n10\n\nMoney\n\n306\n\n2\n\n68\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\n\nGSE Quality Of\nConstruction Rating\nType\n\nThe overall rating of the property's\nquality of construction.\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/@GSEQualityOfConstructionRatingType\n\n2\n\nEnumerated\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\nAt least one but no more than two values are\nrequired.\n\nR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a view factor not on the list provided materially affects the value of the property,\nthe appraiser must select 'Other' and enter a description of the view associated with\nthe property. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n"}
diff --git a/chunks/json/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.json b/chunks/json/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.json
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+++ b/chunks/json/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.json
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+{"chunk":{"char_end":8807,"char_start":7091,"chunk_id":"chk_6d771b73381f0e87","chunk_index":4,"chunk_sha256":"c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f79354cddab6ed07","text_sha256":"c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Duty_to_Serve_Eligibility_Data___FHFA_49jfir.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Duty To Serve Eligibility Data\n\n# Duty to Serve Eligibility Data\n\nThe [Duty to Serve Program](/programs/duty-to-serve) will award Duty to Serve credit for eligible activities that address the housing needs of very low-, low-, and moderate income families with incomes no greater than 100 percent of the area median income. Certain eligible activities are tied to specific high needs and high opportunity ar​eas as defined by the Duty to Serve regulation. These areas include:\n"}
diff --git a/chunks/json/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.json b/chunks/json/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd334497add7f3ee716502e2362fe13a1cb13904
--- /dev/null
+++ b/chunks/json/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3259,"char_start":1662,"chunk_id":"chk_b767b103546abb28","chunk_index":1,"chunk_sha256":"c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"Wet Bar\n\nInteriorAndExteriorAccess\n\nWalkOut\n\nFullyBelowGrade\n\n1344\n\nBelowGradeOne\n\n616\n\nAboveGrade\n\n1960\n\nLevelOne\n\n0\n\nAboveGrade\n\n1344\n\nLevelTwo\n\n0\n\n0\n\n616\n\n0\n\n0\n\n3304\n\n1344\n\nfalse\n\n5\n\n3\n\n1\n\nC4\n\nQ4\n\n3\n\nMid Grade Finishes\n\nModeratelyUpdated\n\nSimilar\n\nPrimary Dwelling\n\nfalse\n\nVacant\n\nThe 1st floor primary bedroom bath was gut renovated approximately 2 - 3 years ago with upgrades to the shower, addition of a large soaking tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was replaced throughout approximately 5 - 6 years ago with upgraded carpet on the first floor (including primary bedroom) and basement family room. The 2nd floor carpeting was also replaced, however with standard grade carpet. The vinyl floors in the 2nd floor baths were replaced with standard grade vinyl 6 years ago.\n\nfalse\n\nBelowGradeOne\n\nDen\n\nBelowGradeOne\n\nDen\n\nBelowGradeOne\n\nFamilyRoom\n\nBath 1\n\n\\\\Images\\SF3_FullBath1.png\n\nimage/png\n\nBelowGradeOne\n\nRecently received a gut renovation\n\nNewOrLikeNew\n\nUpgraded fixtures, flooring, and wainscoting\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\nLevelOne\n\nBedroom\n\n\\\\Images\\SF3_DiningRoom.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\nLevelOne\n\nFamilyRoom\n\n\\\\Images\\SF3_HalfBath.png\n\nimage/png\n\nLevelOne\n\nRecent update and upgrade\n\nNewOrLikeNew\n\nUpgraded fixtures and updated flooring\n\nHalfBathroom\n\nOneToFiveYears\n\nPartiallyUpdated\n\n\\\\Images\\SF3_Kitchen.png\n"}
diff --git a/chunks/json/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.json b/chunks/json/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.json
new file mode 100644
index 0000000000000000000000000000000000000000..bafa8027d0cd979d6cd5f78cb510e71c9d849984
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+++ b/chunks/json/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.json
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+{"chunk":{"char_end":262210,"char_start":260466,"chunk_id":"chk_fdeef5d30936c0bd","chunk_index":234,"chunk_sha256":"c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088","token_estimate":436,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"- When there are multiple accessibility features, each feature will display on a\n\nseparate row.\n\n10.051\n\nComment\n\n0700.0007\n\nAccessibilityModificationDescription\n\nDisplay when AccessibilityFeatureType <> \"None\" AND Exists\n\nFigure 10 - 12\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])\n\nThe Apparent Defects, Damages, Deficiencies (Unit Interior) subsection always displays. (Figure 10 - 13)\n\nPage 193\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point/Attribute Name\n\nDisplay Rules\n\nUnit Interior: Apparent Defects, Damages, Deficiencies (Unit Interior)\n\nApparent Defects, Damages, Deficiencies Unit Interior – [Outbuilding\nType] – [Structure Identifier] – [Unit Identifier]\n\nSubsection header (gray bar) always displays.\n\n−\n\nThe information will redisplay from the Unit Interior section header (black tab) when a specific unit has\napparent defects, damages, deficiencies.\n\n− When there is only one Dwelling Unit, display as 'Apparent Defects, Damages, Deficiencies - Unit Interior'.\n− When there are multiple Dwelling Units, display as 'Apparent Defects, Damages, Deficiencies - Unit Interior' -\n\n[Outbuilding Type] - [Structure Identifier] - [Unit Identifier] as applicable.\n\n10.052 Outbuilding Type\n\n0300.0025 OutbuildingType\n\n10.053\n\nStructure Identifier\n\n0300.0101\n\nStructureIdentifier\n\n10.054\n\nUnit Identifier\n\n0700.0114 UnitIdentifier\n\nDisplay when ImprovementType = \"Outbuilding\"\nDisplay when DwellingCount > 1 OR OutbuildingCount > 1\n\n-\n\nStructure Identifier redisplays from the Dwelling Exterior or Outbuilding section.\nDisplay when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0\n"}
diff --git a/chunks/json/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.json b/chunks/json/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.json
new file mode 100644
index 0000000000000000000000000000000000000000..a12e8e74351868637593149bda7941df8534149a
--- /dev/null
+++ b/chunks/json/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1275924,"char_start":1274306,"chunk_id":"chk_1d1bfe0ac8a5f450","chunk_index":756,"chunk_sha256":"c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE/@_State\n\n50\n\n25\n\n20\n\n2\n\nOne and only one of the fields 6-13, 6-14, 6-16\n(Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\nOne and only one of the fields 6-13, 6-14, 6-16\n(Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nString\n\nUAD Requirement – Refer to Appendix D Appraiser Certification Section\n\nRequired if field 6-16 is populated\n\nString\n\nString\n\nShould conform to USPS (Pub 28). The following address element should be\nincluded in this field:\n• USPS two-letter state or territory representation\nUAD Requirement - Refer to Appendix D Appraiser Certification Section\n\nOne and only one of the fields 6-13, 6-14, 6-16\n(Appraiser License Identifier and values of\nAppraiser License Type) is required unless the\nvalue of field 6-15 is 'trainee'.\n\nAPPRAISER\nCERTIFICATION\n\nAppraiser\nExpiration Date of Certification\nor License\n\nAppraiser License\nExpiration Date\n\nThe expiration date of the appraiser's\nlicense.\n\n/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN\nSE/@_ExpirationDate\n\n12\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nThis field is required unless the value of field (6-\n15) is 'trainee' and fields 6-13,6-14, and 6-16\nare not populated,\n\n467\n\n468\n\n469\n\n470\n\n471\n\n472\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n13\n\n14\n\n15\n\n16\n\n17\n\n18\n\n473\n\n6\n\n19\n\nAPPRAISER\nCERTIFICATION\n\nADDRESS OF PROPERTY\nAPPRAISED\n"}
diff --git a/chunks/json/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.json b/chunks/json/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.json
new file mode 100644
index 0000000000000000000000000000000000000000..fd02e49c9bd615a901ea16d70a95834f8ea71233
--- /dev/null
+++ b/chunks/json/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":925788,"char_start":924086,"chunk_id":"chk_8eba18564c9f7442","chunk_index":550,"chunk_sha256":"c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field should indicate the floor on which the unit is located.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 159 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\n411\n\n3\n\n76\n\nSALES\nCOMPARISON\nAPPROACH\n\nFloor Location 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\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='FloorLocation']/@_Amount\n\n412\n\n3\n\ne-5\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='U\nNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC\nTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral\nlRatingType\n\nData Point Field\nLength\n\n10\n\n10\n\nFormat\n\nMoney\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nUAD Requirement - See Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n"}
diff --git a/chunks/json/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.json b/chunks/json/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba605c2ee22ad61cbb43f5e2b1f041b5b35597c4
--- /dev/null
+++ b/chunks/json/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11319,"char_start":9716,"chunk_id":"chk_27e43eee79fbbe69","chunk_index":6,"chunk_sha256":"c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"42'\n\n1/2\nBath\n\n22'\n\n42'\n\nBath\n\nBath\n\nKitchen\n\nBedroom\n\nBedroom\n\n'\n\n8\n2\n\nBedroom\n\nLiving\nRoom\n\n22'\n\n'\n\n2\n\n1st Floor\n\n3\n2\n\n'\n\n2 Car Garage\n\n2\n4\n\n'\n\n'\n\n2\n3\n\n2nd Floor\n\n3\n2\n\n'\n\nFoyer\n\n42'\n\n22'\n\nUnfinished Below Grade\n\nDining\n\n22'\n\nBedroom\n\nBedroom\n\n22'\n\n42'\n\n20'\n\nFinished Below Grade\n\nLiving\n\nStorage\n\n2\n8\n\n'\n\n'\n\n8\n2\n\n3\n2\n\n'\n\nFamily\nRoom\n\n'\n\n2\n3\n\nKitchen\n\nADU\n\n3\n2\n\n'\n\n22'\n\n20'\n\nBedroom\n\nBath\n\n22'\n\nLiving Area\n1st Floor\n\n2nd Floor\n\nTotal Living Area (Rounded):\nNon-living Area\n2 Car Garage\n\nADU\n\nUnfinished Below Grade\n\nFinished Below Grade\n\nArea Calculations Summary\n\nCalculation Details\n\n1960 Sq ft\n\n1344 Sq ft\n\n3304 Sq ft\n\n528 Sq ft\n\n704 Sq ft\n\n616 Sq ft\n\n640 Sq ft\n\n32 × 42 = 1344\n22 × 28 = 616\n\n42 × 32 = 1344\n\n24 × 22 = 528\n\n22 × 32 = 704\n\n28 × 22 = 616\n\n32 × 20 = 640\n\nSketch does not represent actual dimensions of pictures, used for example only.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n2\nColonial\n1-2 Ft.\n1979\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\nPage 6 of 22\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nAluminum\n"}
diff --git a/chunks/json/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.json b/chunks/json/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.json
new file mode 100644
index 0000000000000000000000000000000000000000..bf50b85e4bf853b73ccc97f885ed842308e3a3f8
--- /dev/null
+++ b/chunks/json/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32413,"char_start":30022,"chunk_id":"chk_fb68787a72485c37","chunk_index":18,"chunk_sha256":"c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a","token_estimate":598,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"Cost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$778,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n90 days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 22\nPage 19 of 22\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nUnit Interior\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nWalls and Ceiling\n\nBedroom\n\nSubject Property Amenities\n\nPeeling paint was observed in one of the\nbedrooms of unit. Appears to be typical\ndeferred maintenance.\n\nNo\n\nBalcony\n\nAdjacent to Living Room Balcony is functional, but shows overall age\n\nNo\n\nNone\n\nNone\n\nand some deferred maintenance, mainly\nfrom the cracking of concrete. The condo\nassociation has systematically been moving\nthroughout the building and making repairs\nas needed throughout all unit balconies.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 22\nPage 20 of 22\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"}
diff --git a/chunks/json/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.json b/chunks/json/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.json
new file mode 100644
index 0000000000000000000000000000000000000000..044115db68b2da51a154bd6b36782be0055ff70e
--- /dev/null
+++ b/chunks/json/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":795922,"char_start":794166,"chunk_id":"chk_a92a006354e09eda","chunk_index":472,"chunk_sha256":"c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d","token_estimate":439,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Are the units, common elements, and\nrecreation facilities complete (including\nany planned rehabilitation for a\ncondominium conversion)?\nIf No, describe\n\nProject Common\nElements Completed\nIndicator\n\nIndicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom\npletedIndicator='N']\n\nProject Common\nElements Status\nDescription\n\nA free-form text field used to comment on\nthe status of the project common elements\nand/or recreation facilities.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsStatu\nsDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n188\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in the\nproject?\nYes\n\nProject Commercial\nSpace Indicator\n\nIndicates that the project contains\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic\nator='Y']\n\n189\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in the\nproject?\nNo\n\nProject Commercial\nSpace Indicator\n\nIndicates that the project contains\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic\nator='N']\n\ne-32\n\n190\n\n2\n\n3\n\n4\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in the\nproject?\nIf Yes, describe and indicate the overall\npercentage of the commercial space.\n\nGSE Project\nCommercial Space\nPercent\n\nThe overall percentage of commercial\nspace in the project in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_EXTENSION/P\nROJECT_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/PROJECT_EXTENSION_SECTION_DATA/PROJECT_COMME\nRCIAL/@GSEProjectCommercialSpacePercent\n"}
diff --git a/chunks/json/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.json b/chunks/json/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.json
new file mode 100644
index 0000000000000000000000000000000000000000..af3dfa0d08897cfa015257209984a9a749d83f1c
--- /dev/null
+++ b/chunks/json/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6158,"char_start":5565,"chunk_id":"chk_717a632717c19067","chunk_index":9,"chunk_sha256":"c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35","token_estimate":497,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Chapter 5: URLA (Form 1003) Sections vs. MISMO Data Structures ...................................................... 32\n\nAppendix A ................................................................................................................................................. 59\n\nGlossary of terms ................................................................................................................................ 59\n\nAppendix B ................................................................................................................................................. 60\n"}
diff --git a/chunks/json/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.json b/chunks/json/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea30d9b6146dde1cd28ae54df25ca52b54b2d59e
--- /dev/null
+++ b/chunks/json/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":100487,"char_start":98820,"chunk_id":"chk_9f104082397826b8","chunk_index":38,"chunk_sha256":"c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Table 10 shows that this data is in the PARTY structure providing information about the participants in the loan\ntransaction. Because the name of the organization is being sought for the Settlement Agent field, the\nLEGAL_ENTITY structure is used.\n\nThe UCD value for PartyRoleType does not need to be exactly what is displayed on the form--only equivalent:\nClosingAgent ~ Settlement Agent. Additionally, these same two data points are used to populate 23.1.5 -\nSettlement Agent Name, but they appear only once in the XML file.\n\nSee PARTI ES / PARTY, PARTY NAME – LEGAL_ENTITY , and PARTY RO LE TYPE in Section V.\n\nAppendix E: UCD Implementation Guide\n\nPage 32 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\nTable 10. Settlement Agent\n\nID\n\nForm Field Name\n\nMISMO v3.3\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n1.4 Settlement Agent\n\n…PARTY/LEGAL_ENT\nITY_DETAIL\n\nFullName\n\nEpsilon Title\nCompany\n\n…/PARTY/ROLES/RO\nLE/ROLE_DETAIL\n\nPartyRoleType\n\nClosingAgent\n\n1. 5 FI LE #\n\nFile # in Figure 7 is the identification number assigned to the transaction by the closing agent. Table 9 shows\nthat this data point is also part of the closing information about the loan and is in the same conta iner with 1.2\nand 1.3.\n\nTable 11. File #\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\n\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\n1.5\n\nFile #\n\n…/CLOSING_INFORM\nATION_DETAIL\n\nClosingAgentOrder\nNumberIdentifier\n\n12-3456\n\n1. 6 PROPERTY\n\nDepending on the availability of a street address, there are two ways to complete the Property field:\n\na. Complete Street Address (with unit information if applicable and available)\n"}
diff --git a/chunks/json/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.json b/chunks/json/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.json
new file mode 100644
index 0000000000000000000000000000000000000000..56a355b720fea98c232c61303f0623aad358a835
--- /dev/null
+++ b/chunks/json/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":23498,"char_start":22888,"chunk_id":"chk_ae737a5daf9b7216","chunk_index":36,"chunk_sha256":"c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791","token_estimate":476,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Mechanical System Details (H1) ......................................................................................................................... 50\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type]) (H1) ................................................................. 51\n\nOutbuilding Commentary (H1) ........................................................................................................................... 51\n\nOutbuilding Exhibits (H1) .................................................................................................................................... 51\n"}
diff --git a/chunks/json/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.json b/chunks/json/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.json
new file mode 100644
index 0000000000000000000000000000000000000000..4dcba5c4fd13f713d5aca168876622d92ca72b6d
--- /dev/null
+++ b/chunks/json/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3542,"char_start":1883,"chunk_id":"chk_c76bb5cbdd70a9d0","chunk_index":1,"chunk_sha256":"c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0aaa3fda0909359c","text_sha256":"c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-july-20-2024.pdf"]},"text":"WARNING - EMPLOYMENT - Only one occurrence of\nEmployment container with EmploymentStatusType of\nCurrent and EmploymentClassificationType of Primary\nis allowed per borrower (Excess occurrences of\nemployment and associated incomes for the borrower\n‘BORROWER_1’ were removed from the loan\napplication data).\n\nWARNING - FIPS_INFORMATION and\nCENSUS_INFORMATION – State and County codes not\nprovided in loan application. Census tract will not be\nused.\n\nWARNING - PURCHASE_CREDIT- Both Purchase Credit\nType and Purchase Credit Source Type cannot co-exist\nwithin the same container\n(’PurchaseCreditSourceType’ was removed from the\nloan application data).\n\n© 2024 Fannie Mae 4.17.24 1 of 2\n\nSystem Impact\n\nHow will this affect my integrated system(s)?\n\nTo align with current error handling and to help simplify parsing of error scenarios without having to open the DU Underwriting\nFindings report, DU will be updated to return a new warning message in the MP_STATUS_LOG for loan casefiles submitted with\nthe values above. See example of one of the new warnings below.\n\nMP_STATUS_LOG\nContains detailed error and warning messages including Schema Validation, Loan Application Data, Credit, and Underwriting\nChecklist errors.\n\nSection\n\nDescription\n\nLoan Application Data Warnings\n\nWARNING - EMPLOYMENT / STATUS_TYPE (EMPLOYER_1) - value is required for all\nemployments (Employment and associated income ‘INCOME_1’ were removed from\nthe loan application data).\n\nSample\n\nContent-type: text/plain; charset=UTF-8\n\nContent-Disposition: form-data; name=\"MP_STATUS_LOG\"; filename=\"MP_STATUS_LOG\"\n\n--------------------------------------------------------------------------------\n"}
diff --git a/chunks/json/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.json b/chunks/json/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.json
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index 0000000000000000000000000000000000000000..77215d09df0f59f69dfbd6b72c0bee1679fc5636
--- /dev/null
+++ b/chunks/json/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14256,"char_start":12625,"chunk_id":"chk_f177bc297dccc993","chunk_index":7,"chunk_sha256":"c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Footer\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nHF.002 Update Version\n\nAlways required\n\nNumber\n\n#\n\nFooter\n\nDefinition / Additional Guidance\n\nThe version number is updated each time the Restricted Appraisal Update\nReport is transmitted to the client. A sequential number should be provided for\neach version transmitted to the client.\n\nExample: If changes are made after the initial submission of the update report,\nthe next version would be identified as Update Version #2.\n\nHF.005 Appraiser\n\nAlways required\n\nFree-form\n\nReference ID\n\nAn identifier or number created by the appraiser to identify their report,\ngenerally referred to as the appraiser’s file number.\n\nHF.006 Agency Case File\n\nID\n\nRequired for FHA and\nVA\n\nFree-form\n\nA unique number assigned to the loan by the government agency. Reference\nthe appropriate government agency appraisal guidelines for more information.\nNote: If not applicable, Agency Case File ID does not display.\n\nHF.007 Client Reference\n\nIf applicable\n\nFree-form\n\nID\n\nA unique number or identifier assigned by the client.\nNote: If not applicable, Client Reference ID does not display.\n\nHF.008 AMC Reference\n\nID\n\nIf applicable when\nthere is an AMC\n\nFree-form\n\nA unique number or identifier assigned by the AMC.\nNote: If not applicable, AMC Reference ID does not display.\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 8 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Subject Property\n\n01 Subject Property\n\nThe Subject Property section always displays, and provides overall information including the address, legal\ndescription, and ownership rights.\n"}
diff --git a/chunks/json/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.json b/chunks/json/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.json
new file mode 100644
index 0000000000000000000000000000000000000000..00b936af3d75ebd602fa98d84454f8ffcb0eb2c7
--- /dev/null
+++ b/chunks/json/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":126995,"char_start":125386,"chunk_id":"chk_809789e9c6a68e55","chunk_index":71,"chunk_sha256":"c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" Data architects\nand modelers\n\n Application\ndevelopers\n\n Business\n\nstakeholders\nand analysts\n Technology\nstakeholders\n Project team\nmembers\n\nAppendix B:\nCommon Usage\nScenarios\n\nAppendix C: XML\nSamples\n\nNarrative descriptions of\nvarious loan delivery\ntransactions with tables\nillustrating how the scenarios\nwould be communicated to a\nGSE using the loan delivery\ndata set:\n Fixed-Rate 30-Year\n\nPurchase\n\n ARM Refinance\n Fixed-Rate 30-Year\n\nPurchase with Associated\nHELOC\n\n Loan Feature Component\n\nScenarios\n Condominium\n Investment Property\n Legal Entity Borrower\n Escrows\n Mortgage Insurance\n\nThe representation of the\nMISMO data identified in the\nusage scenarios of Appendix\nB in working XML files\n\nApplication\ndevelopers\n\n Measure technical\n\nteam’s understanding\nof how to create XML\nfiles using the new data\nset\n\n Template for actual\n\nloan delivery XML files\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 57 of 76\n\nSection V. Resources\n\nB. GSE-Specific Implementation Guide Package\n\nThe GSE-specific Implementation Guides consist of a technical narrative and\naccompanying appendices as outlined below:\n\nTable V-2. GSE-Specific Implement Guide Package\n\nDocument Title\n\nDescription\n\nAudience\n\nUse\n\nGSE-Specific\nTechnical\nSpecification, v1.0.1\n\nAppendix A: XML Data\nRequirements\n\nDetailed, narrative technical\ndescriptions of the various\ndocuments in the Technical\nSpecification package\nRelation of the technical\nrequirements from the ULDDS to\neach GSE’s loan delivery\napplication\n"}
diff --git a/chunks/json/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.json b/chunks/json/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.json
new file mode 100644
index 0000000000000000000000000000000000000000..442c3c7a042266c2fef9c3f3927275fbd7606371
--- /dev/null
+++ b/chunks/json/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":199733,"char_start":198047,"chunk_id":"chk_022f35a417c2f893","chunk_index":112,"chunk_sha256":"c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Unique Housing Types\n\nIn the appraisal and appraisal report review processes, special consideration must be given to properties that represent unique\nhousing for the subject market area. Loans secured by unique or nontraditional types of housing, including, but not limited to,\nearth houses, geodesic domes, and log houses, are eligible for sale to Fannie Mae provided the appraiser has adequate\ninformation to develop a reliable opinion of market value. It is not necessary for one or more of the comparable sales to be of the\nsame design and appeal as the property that is being appraised, although appraisal accuracy is enhanced by using comparable\nsales that are the most similar to the subject property. On a case-by-case basis, both the appraiser and the underwriter must\nindependently determine whether there is sufficient information available to develop a reliable opinion of market value. This will\ndepend on the extent of the differences between the special or unique property and the more traditional types of houses in the\nmarket area and the number of such properties that have already been sold in the market area.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 81 of 166\n\nUAD 3.6 Policy\n\nA 3D printed home with a traditional design and constructed using conventional building materials is not considered a unique or\nnontraditional housing type. However, the appraiser must select the appropriate construction method for 3D printed homes.\nLenders should follow the standard eligibility and comparable sales selection requirements for site-built housing. See SB4-1.3-08,\nComparable Sales and SB4-1.3-09, Adjustments to Comparable Sales, for additional information.\n"}
diff --git a/chunks/json/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.json b/chunks/json/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.json
new file mode 100644
index 0000000000000000000000000000000000000000..ab626da6e3216df8b9df25a17f66368972d5995a
--- /dev/null
+++ b/chunks/json/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11250,"char_start":9647,"chunk_id":"chk_6d1d42fdbce1ab04","chunk_index":6,"chunk_sha256":"c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f8f303c735d8700c","text_sha256":"c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.xml/2- to 4-unit_Scenario_2_Appraisal_v1.1.xml"]},"text":"image/png\n\n78\n\n755000\n\nSettledSale\n\n25.165171\n\n-51.328127\n\nPatio\n\nPatio\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n4\n\nC4\n\nQ4\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\n5700\n\nfalse\n\n2022-12-22\n\n2023-01-20\n\n750000\n\nSale\n\nNone\n\nfalse\n\nBusyRoadway\n\nResidential\n\n24000\n\nFull\n\nResidential\n\n341 Nothing Dr\n\nAnyplace\n\n01234\n\nTX\n\nDetached\n\nCarport\n\n4\n\nDriveway\n\nConcrete\n\n4\n\nfalse\n\n0\n\nSalesConcessions\n\n15000\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n-25000\n\nSiteInfluence\n\n0\n\nGrossBuildingFinishedArea\n\n3600\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 1\n\n3600\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 2\n\n3600\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 3\n\n3600\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 4\n\n784400\n\n98050\n\n196100\n\nEast\n\nMost\n\nfalse\n\n159\n\n3\n\n3.5\n\n4400\n\nDwelling\n\n2014\n\nfalse\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1150\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit 1\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1150\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit 2\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1150\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit 3\n\nWell maintained with minimal depreciation\n\nWallsAndCeiling\n\n1150\n\n0\n\nfalse\n\n2\n\n2\n\n0\n\nC3\n\nQ4\n\nUnit 4\n\nC3\n\nQ4\n\n4\n\nBuilding 1\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\341Nothing.png\n\nimage/png\n\n40\n\n795000\n\nSettledSale\n\n25.16517\n\n-51.328128\n\nBalcony\n\nBalcony\n\nPatio\n\nPatio\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n4\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\n4900\n\nfalse\n\n2023-02-25\n\n2023-03-15\n\n780000\n\nSale\n\nNone\n\nfalse\n\nResidential\n\n18000\n\nFull\n\nResidential\n\n181 Cattledrive St\n\nUnit\n\nB\n\nAnyplace\n\n01234\n\nTX\n\nNorth\n\n1\n\n3\n\nDwelling\n"}
diff --git a/chunks/json/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.json b/chunks/json/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.json
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index 0000000000000000000000000000000000000000..06b0e090d34aaab747e0228ba9623d3f9d7daa16
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+++ b/chunks/json/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":358580,"char_start":356886,"chunk_id":"chk_eed6cf3c6df7c299","chunk_index":209,"chunk_sha256":"c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if there is a\nsupervisory appraiser\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\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 78 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\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n506\n\n507\n\n508\n\n509\n\n6\n\n6\n\n6\n\n6\n\n33\n\n34\n\n35\n\n36\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nDate of Signature\n\nSupervisor Report\nSigned Date\n\nIndicates the date the supervisor\nsigned the report.\n\n/VALUATION_RESPONSE/REPORT/@Super\nvisorReportSignedDate\n\n10\n\nDate/Time\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState Certification #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser\nwho completed the final estimate of\nvalue for the subject property.\n"}
diff --git a/chunks/json/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.json b/chunks/json/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.json
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+++ b/chunks/json/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.json
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+{"chunk":{"char_end":192177,"char_start":190527,"chunk_id":"chk_59baa9a826117099","chunk_index":94,"chunk_sha256":"c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"NegativeAmortizationIndicator When true, more than one column; recast or change to fully\n\n4.3.2\n\nPaymentIncreaseIndicator\n\namortizing are captured as new columns.\n\nWhen true, P&I payment is expected to change—more than one\ncolumn is required.\n\na. ADJUSTABLE RATE MORTGAGE\n\nA common use case driving multiple columns in the Projected Payments table is of an adjustable rate mortgage\n(ARM). In this case, the Payment Increase Indicator = “true”.\n\nFor example: Figure 51 illustrates a 30-year 5/3 ARM with an initial rate cap of 2%, a periodic rate cap of 2%, and\na ceiling rate of 12%. The initial interest rate is 4%, which is also the floor rate.\n\nAppendix E: UCD Implementation Guide\n\nPage 85 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nThe payment will potentially reflect an interest rate increase of 2% at the start of the 6th year ($1,230), and then\nevery three years thereafter (in year 9 ($1,451), 12, and 15 ($1,870)) when the ceiling rate of 12% can be\nreached. Because this increase is not certain, the minimum payment amount for each period continues as the\ninitial payment amount. Payment ranges must be disclosed to show the potential payment increases.\n\nThe Regulation requires that the Projected Payments table reflect the maximum increase for each period. In this\ncase, if the rate increases by the cap of 2% each time, it will increase four times then hit the ceiling rate (4 + 2 +\n2 + 2 + 2 = 12). That means that the third and fourth increases will be grouped together in the fourth Year Range\nof 12-30, and the maximum payment amount reflects what it would be if calculated using the ceiling rate.\n"}
diff --git a/chunks/json/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.json b/chunks/json/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.json
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index 0000000000000000000000000000000000000000..845bfb13b29fc9a43b7013e898221e6b53b41b4e
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+++ b/chunks/json/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.json
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+{"chunk":{"char_end":1828,"char_start":0,"chunk_id":"chk_afc52dfb6815acbb","chunk_index":0,"chunk_sha256":"c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2b647bb8acc16b68","text_sha256":"c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328","token_estimate":457,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/dudo-integration-impact-memo-june-19-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nJune 2025 Update\n\nApril 21, 2025\n\nDuring the weekend of June 21, 2025, Fannie Mae will update Desktop Originator® (DO®) via direct integration. This update will\nremove the USER_ROLE element and its attributes from the DO GetLenders XML response. The DO GetLenders function, which\nretrieves a list of sponsoring lenders associated with an originator’s DO user ID, will no longer support these user roles, as they are\nconsidered non-essential for DO direct integration.\n\nDO GetLenders Response Update\n\nHow will this affect my integrated system(s)?\n\nSystems integrated with DO that validate the DO_GET_LENDERS_ RESPONSE Control Output (CO) or use attributes from the\nUSER_ROLE element will require updates. There will be no impact on the DO GetLenders request.\n\nControl Output (CO) Update (Examples)\n\nCurrent Response\n\nUpdated Response\n\n<DO_GET_LENDERS_RESPONSE>\n <STATUS _Condition=\"Ok\"/>\n <BROKER _InstitutionIdentifier=\"XXXXXX\" _Name=\"Sample Mortgage\nBroker Co\" DefaultInstitutionIndicator=\"Y\">\n <BROKER_SPONSOR _InstitutionIdentifier=\"XXXYYY\"\n_Name=\"Example National Bank\"/>\n <BROKER_SPONSOR _InstitutionIdentifier=\"YXYXYX\"\n_Name=\"Fictional Bank Corp\"/>\n </BROKER>\n <USER_ROLE RoleName=\"Administration\"/>\n <USER_ROLE RoleName=\"Origination\"/>\n <USER_ROLE RoleName=\"Process Transactions\"/>\n</DO_GET_LENDERS_RESPONSE>\n\nThe DO_GET_LENDERS_RESPONSE will no longer include the USER\nROLE element and attributes:\n\n<DO_GET_LENDERS_RESPONSE>\n <STATUS _Condition=\"Ok\"/>\n <BROKER _InstitutionIdentifier=\"XXXXXX\" _Name=\"Sample\nMortgage Broker Co\" DefaultInstitutionIndicator=\"Y\">\n <BROKER_SPONSOR _InstitutionIdentifier=\"XXXYYY\"\n_Name=\"Example National Bank\"/>\n <BROKER_SPONSOR _InstitutionIdentifier=\"YXYXYX\"\n_Name=\"Fictional Bank Corp\"/>\n </BROKER>\n</DO_GET_LENDERS_RESPONSE>\n"}
diff --git a/chunks/json/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.json b/chunks/json/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.json
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index 0000000000000000000000000000000000000000..487182d85c619a5a846e04cc970305a478d4c0c1
--- /dev/null
+++ b/chunks/json/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.json
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+{"chunk":{"char_end":41893,"char_start":41410,"chunk_id":"chk_0128d0dc6d890456","chunk_index":63,"chunk_sha256":"c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 202\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 203\n"}
diff --git a/chunks/json/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.json b/chunks/json/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.json
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+++ b/chunks/json/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.json
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+{"chunk":{"char_end":238002,"char_start":236277,"chunk_id":"chk_dd22962941075273","chunk_index":137,"chunk_sha256":"c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 6 of 18\nPage 6 of 18\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ3\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\n1–5 years\n\nFully Updated\n\n1–5 years\n\nOverall Update Status for\nBathrooms\n\nFully Updated\n\nQuality Comment\nA mix of restaurant\ngrade and high-end\nresidential appliances\n\nHigh-end residential\nfixtures and nice\ndecorative finishes\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nKitchen has been\nupdated with new\nfixtures, flooring, and\nlighting.\n\nBathroom has a new\njacuzzi jetted tub\nand vanities, flooring,\nshower with subway\ntile, and upgraded\nshower head.\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nHardwood\n\nQuality Comment\nBlended wool carpet, pad\n\nCondition Status\nTypical Wear and Tear\n\nRefinished hardwood\nflooring\n\nTypical Wear and Tear\n\nCondition Comment\nThe flooring throughout the\nsubject has been replaced\nover the last 2–5 years.\n\nRefinished approximately\n5 years ago.\n\nWalls and Ceiling\n\n8 Ft. | Flat\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nOverall Update Status for\nFlooring\n\nFully Updated\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nUnit Interior Exhibits\n\nLevel 1 - Kitchen\n\nLevel 1 - Bath - Full\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n"}
diff --git a/chunks/json/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.json b/chunks/json/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.json
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index 0000000000000000000000000000000000000000..bb47bd931214116e31059d1796736435a6addbb2
--- /dev/null
+++ b/chunks/json/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":755847,"char_start":754052,"chunk_id":"chk_93de307a90ffbab0","chunk_index":450,"chunk_sha256":"c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0","token_estimate":449,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"appraiser input\nthat does not\ndisplay\n\n29.050\n\nI have not\nperformed …\n\n29.050\n\nI have\nperformed …\n\n29.051 Description of\nPrior Services:\n\nPredefined text that\ndisplays when\nAppraiser Prior\nServices Performed is\nNo\n\nPredefined text that\ndisplays when\nAppraiser Prior\nServices Performed is\nYes\n\nRequired when\nAppraiser Prior\nServices Performed is\nYes\n\nFree-form\n\nDescription of Prior Services\n\nAdditional Appraiser Certifications\n\nAdditional appraiser certifications may be added when relevant.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAdditional Appraiser Certifications\n\nAlways required\n\nYes | No\n\nAdditional Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nAppendix F-1: URAR Reference Guide\n\nPage 343 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nAdditional Appraiser Certifications\n\nReport\nField ID\n\n29.052\n29.053\n\nReport Label\n\nWhen to Include\n\nN/A\n\nDisplays when\nAdditional Appraiser\nCertifications is Yes\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nAdditional Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNote: Additional appraiser certifications cannot be contrary to, and should not\nrepeat, the predefined appraiser certification text.\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed\nin the Assignment Information section (2.032-2.046). The predefined supervisory appraiser certifications always\ndisplay, and additional supervisory appraiser certifications may be added when relevant.\n"}
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+++ b/chunks/json/c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa.json
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+{"chunk":{"char_end":1025726,"char_start":1024102,"chunk_id":"chk_4284af557092516a","chunk_index":611,"chunk_sha256":"c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_Revie\nwedIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nUAD Requirement - Refer to Appendix D Contract Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n45\n\n1\n\ne-3\n\nCONTRACT\n\nExplain the results of the\nanalysis of the contract for sale\nor why the analysis was not\nperformed.\n\nGSE Sale Type\n\nThe type of sale associated with the\nsubject or comparable property\ntransaction.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_\nCONTRACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTI\nON[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SAL\nES_TRANSACTION/@GSESaleType\n\n17\n\nEnumerated\n\n46\n\n47\n\n48\n\n49\n\n50\n\n51\n\n52\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n43\n\nCONTRACT\n\nExplain the results of the\nanalysis of the contract for sale\nor why the analysis was not\nperformed.\n\nSales Contract\nReview Comment\n\nA free-form text field describing the sales\ncontract.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Revie\nwComment\n\n4000\n\nString\n\n44\n\nCONTRACT\n\nContract Price $\n\nSales Contract\nAmount\n\nThe amount of money the contract is for.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Amou\nnt\n\n9\n\nMoney\n\n45\n\nCONTRACT\n\nDate of Contract\n\nSales Contract Date\n\nThe effective date of the sales contract\n(e.g. the date of sale).\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Date\n\n10\n\nDate/Time\n\n46\n\n47\n\n48\n\nCONTRACT\n\nIs the property seller the owner\nof public record? Yes\n"}
diff --git a/chunks/json/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.json b/chunks/json/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.json
new file mode 100644
index 0000000000000000000000000000000000000000..17286c5afe06daf78739e5449b0ea07e143160a9
--- /dev/null
+++ b/chunks/json/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11841,"char_start":10244,"chunk_id":"chk_87244c6f456bc850","chunk_index":6,"chunk_sha256":"c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb","token_estimate":400,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"05.023\n\n12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n05.024\n\n13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n13. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]\nprovided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to\nperform the assistance.\n\n05.025\n\n05.026\n\n14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n"}
diff --git a/chunks/json/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.json b/chunks/json/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.json
new file mode 100644
index 0000000000000000000000000000000000000000..6a72217b553803d4b58476aecf1a6850d9a5fa9e
--- /dev/null
+++ b/chunks/json/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":317959,"char_start":316326,"chunk_id":"chk_d76e8ac464e914f3","chunk_index":186,"chunk_sha256":"c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0","token_estimate":409,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"37\n\nCOST APPROACH\n\nIndicated Value By Cost\nApproach\n\nValue Indicated By\nCost Approach\nAmount\n\nThe dollar value of the subject\nproperty indicated by the Cost\nApproach method of property\nvaluation.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Garage']/@PricePerSquareFo\notAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/NEW_IMPROV\nEMENT[@_Type='Garage']/@_CostAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@NewImprovem\nentTotalCostAmount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/DEPRECIATIO\nN/@_PhysicalAmount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/DEPRECIATIO\nN/@_FunctionalAmount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/DEPRECIATIO\nN/@_ExteriorAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/DEPRECIATIO\nN/@_TotalAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@NewImprovem\nentDepreciatedCostAmount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@SiteOtherImpro\nvementsAsIsAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@ValueIndicated\nByCostApproachAmount\n\n10\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\n10\n\n20\n\n9\n\n10\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nString\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\n9\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\n12\n\n12\n\n12\n\n12\n\n12\n\n12\n\n12\n\n12\n\n12\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n"}
diff --git a/chunks/json/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.json b/chunks/json/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.json
new file mode 100644
index 0000000000000000000000000000000000000000..32fcea2b878579190250039b943ec13b2a2d9054
--- /dev/null
+++ b/chunks/json/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4854,"char_start":3294,"chunk_id":"chk_6369d333ba1215bd","chunk_index":2,"chunk_sha256":"c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde","token_estimate":444,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"Company size 501-1,000 employees\n\nHeadquarters Washington, DC\n\nType Government Agency\n\nFounded 2008\n\n## Locations\n\n- Primary 400 7th Street SW,\n\nWashington, DC 20219, US\n\n[Get directions](https://www.bing.com/maps?where=400+7th+Street+SW%2C+Washington+20219+DC+US&trk=org-locations_url)\n\n## Employees at Federal Housing Finance Agency\n\n- [![Click here to view Kulwant Sharma, CFA, PRM’s profile]() ### Kulwant Sharma, CFA, PRM](https://www.linkedin.com/in/kulwantsharma?trk=org-employees)\n - [![Click here to view Phillip Millman’s profile]() ### Phillip Millman](https://www.linkedin.com/in/phillipmillman?trk=org-employees)\n - [![Click here to view Nicholas Satriano’s profile]() ### Nicholas Satriano](https://www.linkedin.com/in/nicholas-satriano-06bb39?trk=org-employees)\n - [![Click here to view Brad Blackmon’s profile]() ### Brad Blackmon](https://www.linkedin.com/in/brad-blackmon-89b0421?trk=org-employees)\n [See all employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=public_biz_employees-join)\n\n## Updates\n\n- [](https://www.linkedin.com/posts/fhfa_twelve-month-house-price-changes-for-us-activity-7311119597905063936-U73k) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)\n"}
diff --git a/chunks/json/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.json b/chunks/json/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.json
new file mode 100644
index 0000000000000000000000000000000000000000..8f45bd9d54318ed45844f93af9484aee4a9d31c9
--- /dev/null
+++ b/chunks/json/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16245,"char_start":14614,"chunk_id":"chk_06f5af10e36e1181","chunk_index":9,"chunk_sha256":"c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9","token_estimate":408,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"15,000 Sq. Ft.\n\n13,500 Sq. Ft.\n\n$0\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nHilltop Hills\n\nHilltop Hills\n\n15,000 Sq. Ft.\n\nHilltop Hills\n\nResidential | Full\n\nHigh Density\nResidential | Full\n\n$6,500\n\nResidential | Full\n\nResidential | Full\n\n2018\n\n2017\n\n$0\n\n2018\n\n2019\n\n$0\n\nForced Warm Air | Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\nForced Warm Air\n| Natural Gas\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n3\n\n2 | 0\n\n1,260 Sq. Ft.\n\n1,200 Sq. Ft.\n\n$4,500\n\n1,260 Sq. Ft.\n\n1,312 Sq. Ft.\n\n$(3,900)\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\n0 Sq. Ft.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nHeating\n\nUnit(s)\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Below Grade\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nExterior Quality and Condition\n\nQuality\n\nCondition\n\nInterior Quality and Condition\n\nQuality\n\nCondition\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQ4\n\nC3\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nVehicle Storage\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nDeck\n\n—\n\n$2,000\n\nDeck\n\nDeck | Portico\n\n$(2,500)\n\nType | Spaces | Detail\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\nDriveway | 3 | Concrete\n\n$(5,000)\n\nDriveway | 3 | Concrete\nGarage | 1 | Detached\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.json b/chunks/json/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.json
new file mode 100644
index 0000000000000000000000000000000000000000..a4e8e92852d1030129fb23dbe2a6e93251cfd9b5
--- /dev/null
+++ b/chunks/json/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":321204,"char_start":319579,"chunk_id":"chk_3258bf56d4931e86","chunk_index":188,"chunk_sha256":"c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"12\n\n9\n\nMoney\n\nPDF Display Format:\nWhole numbers only\n\nNumeric\n\nPDF Display Format:\nWhole numbers only\n\nINCOME\nAPPROACH\n\nIndicated Value of\nIncome Approach\n\nINCOME\nAPPROACH\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nSummary of Income\nApproach (including\nsupport for market rent\nand GRM)\nIs the developer/builder\nin control of the\nHomeowners'\nAssociation (HOA)?\nYes\nIs the developer/builder\nin control of the\nHomeowners'\nAssociation (HOA)?\nNo\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject\nproperty indicated by the Income\nApproach method of property\nvaluation.\n\nIncome Analysis\nComment\n\nA free-form text field used to describe\nor comment on the use of the Income\nApproach in valuing a property.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/INCOME_ANALYSIS/@ValueIndica\ntedByIncomeApproachAmount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/INCOME_ANALYSIS/@_Comment\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nProject Developer\nControls Project\nManagement\nIndicator\n\nIndicates that developer is in control\nof the project's management (e.g.,\nHOA).\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_DeveloperControlsProjectManagement\nIndicator='Y']\n\nIndicates that developer is in control\nof the project's management (e.g.,\nHOA).\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_DeveloperControlsProjectManagement\nIndicator='N']\n\nPROJECT\nINFORMATION\n\nPUD\nProject Unit Type(s)\nDetached\n\nProject Design Type\n\nThis field specifies the type of design\nfor the multiple unit buildings in a\nproject.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_DesignType='Detached']\n\nPROJECT\nINFORMATION\n\nPUD\nProject Unit Type(s)\nAttached\n"}
diff --git a/chunks/json/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.json b/chunks/json/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..f9a2ff3040e7af9590680deecfc10efa54b97fdd
--- /dev/null
+++ b/chunks/json/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":647457,"char_start":645801,"chunk_id":"chk_42239120839a8766","chunk_index":385,"chunk_sha256":"c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nSee\niGuide\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nN/A\n\nIf available for each\nrental comparable unit\n\nPhoto\n\nDefinition / Additional Guidance\n\nProperty Photo\nPhoto of the property, typically the front.\nNote: If provide, Rental Comparable photos redisplay in Rental Information\nExhibits with the Comparable #.\n\n23.02.02 Comparable #\n\nRequired for each\nrental comparable unit\n\n1, 2, 3 …\n\nRental Comparable #: The rental comparable unit that is being compared to\none or more subject property units.\n\n23.02.03 N/A\n\nRequired for each\nrental comparable unit\n\n23.02.04 Data Source:\n\nRequired for each\nrental comparable unit\n\nFree-form, in\nformat that\nconforms to\naddress standards\nin USPS\nPublication 28,\nPostal Addressing\nStandards\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nRental Comparable Address\nNote: For properties with multiple units in the same building, a unique unit\nidentifier must be included with the address of the comparable unit.\n\nAssessor Record\nBuilder or Developer\nCondominium Questionnaire\nCooperative Board\nCooperative Questionnaire\nData Aggregator\nExterior Inspection\nHomeowners Association\nInterior Inspection\nLand Survey\n\nRental Comparable Data Source\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nReal Estate Agent\nOther (Describe)\n\n23.02.04 Data Source:\n\nFree-form\n\nRequired when Rental\nComparable Data\nSource is MLS, or if\napplicable for other\ndata sources\n\nData Source Identifier: A unique number or identifier assigned to the rental\ncomparable by the data source.\nNotes:\n•\n•\n"}
diff --git a/chunks/json/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.json b/chunks/json/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.json
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index 0000000000000000000000000000000000000000..22e6a8927d5389aa9b37dd6e4a6915ee2182e6bc
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+++ b/chunks/json/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":295929,"char_start":294048,"chunk_id":"chk_94a940f6c20da175","chunk_index":174,"chunk_sha256":"c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2","token_estimate":471,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\n9.012\n\nSerial Number\n\nRequired if HUD Data\nPlate Attached is Yes\nor if available\n\nAllowable\nAnswers / Format\n\nFree-form\n\nDefinition / Additional Guidance\n\nThe serial number per section of the manufactured home, as shown on the\nHUD data plate or other source.\n\nHUD Certification Label\n\nNote: If the HUD Certification Label is not available for all sections, indicate in Manufactured Home Commentary\n(9.026) the source of the data provided.\n\nManufactured Home – ADUs – HUD Certification Label\n\nReport\nField ID\n\n9.016\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nLabel Present for\nall Sections\n\nAlways required\n\nYes | No\n\n9.017\n\nSee\niGuide\n\nHUD\nCertification\nNumber\n\nHUD\nCertification\nNumber\n\nRequired if Label\nPresent for all Sections\nis Yes, or if available\n\nFree-form\n\nAlways required\n\nPhoto or image\n\nManufactured Home Commentary\n\nDefinition / Additional Guidance\n\nIndicates whether the HUD Certification Label (also referred to as the HUD\nCertification, Construction Code Label, Certification Label, HUD Label, or Red\nTag) is present and attached to all sections of the manufactured home.\n•\n•\n\nYes (the HUD Label is attached for all sections).\nNo (the HUD Label is not attached for at least one of the sections).\n\nNote: If the HUD Certification Label is not attached but is available, select No\nand explain in Manufactured Home Commentary (9.026).\n\nThe certification number per section of the manufactured home as shown on\nthe HUD Certification Label, HUD data plate, or other source.\n\nHUD Certification Number Photo\nA photo or image of all HUD Certification Label(s) (or the verification source if\nthe HUD Certification Label(s) are not present) must be provided. The photos or\nimages display in Manufactured Home Exhibits, with the caption “HUD\nCertification Label”. An additional caption may be provided to further identify\neach photo or image.\n"}
diff --git a/chunks/json/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.json b/chunks/json/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..a81f63dcf4ea26a7cf427dd9d9a4582b23e7615c
--- /dev/null
+++ b/chunks/json/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":536405,"char_start":534775,"chunk_id":"chk_7ce1611f29dd26ad","chunk_index":316,"chunk_sha256":"c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description of physical deficiencies or adverse conditions\nthat affect the livability, soundness, or structural integrity of the property.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood' and @_ExistsIndicator='Y']\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood' and @_ExistsIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nProperty Analysis\nComment\n\nA free-form text field that holds the\nproperty analysis comments for the\nanalysis category specified by Property\nAnalysis Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C\nonformsToNeighborhood']/@_Comment\n\n4000\n\nString\n\nThis field should contain a description if the property does not generally conform to the\nneighborhood (functional utility, style, condition, use, construction, use, etc).\n"}
diff --git a/chunks/json/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.json b/chunks/json/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..c63552a206c7e367093c2bd7968998815ca227a3
--- /dev/null
+++ b/chunks/json/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":182300,"char_start":180587,"chunk_id":"chk_9e075ae150e96227","chunk_index":102,"chunk_sha256":"c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1","token_estimate":429,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Degree of Development\n\nWhen reviewing an appraisal on a property located in a rural or undeveloped area, the lender should focus on the characteristics\nof the property, zoning, and the present land use to determine whether the property should be considered residential in nature.\nFor example, if the typical one-unit building site in a particular area (based on the zoning, the highest and best use of the land,\nand the present land use) is two acres in size, the loan will be eligible for purchase or securitization regardless of the percentage\nof the total appraised value of the property that the site represents, as long as the appraiser demonstrates through the use of\ncomparable sales that the property is a typical residential property for that particular market area.\n\nBecause Fannie Mae does not purchase or securitize loans secured by agricultural-type properties, undeveloped land, or land-\ndevelopment-type properties, the lender must review the appraisal report for properties that have sites larger than those typical\nfor residential properties in the market area. Special attention must be given to the appraiser’s description of the market area,\nzoning, the highest and best use determination, and the degree of comparability between the subject property and the\ncomparable sales. If the subject property has a significantly larger site than the comparables used in the appraiser’s analysis, the\nsubject property may not be a typical residential property for its market.\n\nMarket Trends\n\nThe appraiser must report the primary indicators of market conditions for properties in the subject property’s market area as of\nthe effective date of the appraisal by noting the information in the table below.\n"}
diff --git a/chunks/json/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.json b/chunks/json/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.json
new file mode 100644
index 0000000000000000000000000000000000000000..590f17c203b28598fbb21e057db596697b9bf771
--- /dev/null
+++ b/chunks/json/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":424483,"char_start":422657,"chunk_id":"chk_23e13f616648f767","chunk_index":251,"chunk_sha256":"c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e","token_estimate":457,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\nAllowable\nAnswers / Format\n\nMarket Exhibits\n\nIf applicable\n\nPhotos or images\n\nReport\nField ID\n\nSee\niGuide\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Market section may be provided, which\ndisplay in Market Exhibits. If the photo or image is not specifically indicated,\nprovide a caption to further identify each photo or image.\n\nMarket Exhibits\n\nAppendix F-1: URAR Reference Guide\n\nPage 181 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\n18 Project Information\n\nThe Project Information section displays if the property is in a project (condominium, cooperative, or condop) or\nin a PUD. It includes information about mandatory fees, project factors and amenities, their impact to value or\nmarketability, and information specific to cooperatives (if applicable). This section provides space for additional\ncommentary and exhibits.\n\nThe display of this section varies depending on whether the property is in a condominium, cooperative, condop,\nor PUD.\n\nCheckboxes Next to Black Tab\n\nCheckboxes next to the black tab are populated from the Subject Property section. Only one checkbox can be\nchecked at the top of Project Information.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nProject Information\n\n18.000 Planned Unit\nDevelopment\n(PUD)\n\nAlways required\n\nYes | No\n\nProperty in a PUD\nIndicates whether the property is in a PUD. A PUD is a subdivision that consists\nof common property and improvements that are owned and maintained by a\nhomeowners association (HOA) for the benefit and use of the individual PUD\nunit owners. A unit owner in the PUD has title to a residential property (parcel\nand dwelling) and an interest in the HOA that owns or manages the common\nareas and facilities of the PUD.\n"}
diff --git a/chunks/json/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.json b/chunks/json/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.json
new file mode 100644
index 0000000000000000000000000000000000000000..c85b542cbba8a13ceea114b434d5629f21c3d3d6
--- /dev/null
+++ b/chunks/json/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":86296,"char_start":84689,"chunk_id":"chk_504782adb618b06b","chunk_index":96,"chunk_sha256":"c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06","token_estimate":402,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Set Commentary as TXC x 45 picas.\n\nDwelling Exterior Exhibits (Dwelling Exterior – [Structure Identifier]) (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Manufactured Home” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Manufacturer Name,” “Year Installed,” “Moved Since Original Installation” set as TXR-B,\nTXR.\n\nRight-hand side of page\n\n•\n\n“Attached to Permanent Foundation,” “Towing Hitch, Wheels, Axles Removed,”\n“Manufactured Home Width,” “Skirting” set as TXR-B, TXR.\n\nFull page width\n\n•\n\n“Yes” “No” (Y/N) followed by “Have there been any modifications, attachments, or additions\nthat rely on or have altered the original structure for support?” set as CK x 45 picas.\n\nLeft-hand side of page\n\n•\n\n“Modification, Attachment, or Addition” set as TXR-B, TXR.\n\nFull page width\n\n•\n\n“Description of Modification, Attachment, or Addition” sets as TXC-B x 45 picas (bold lead in\nto Myriad Pro Regular text).\n\nAppendix E: Report Style Guide\n\nPage 45 of 90\n\nVersion 1.4\n\nHUD Data Plate (H1)\n\nLeft-hand side of page\n\n•\n\n“HUD Data Plate Attached,” “Date of Manufacture,” “Serial Number” set as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“HUD Wind Zone,” “HUD Thermal Zone,” “HUD Roof Load Zone” set as TXR-B, TXR.\n\nHUD Certification Label (H1)\n\nLeft-hand side of page\n\n•\n\n“Label Present for All Sections,” sets as TXR-B, TXR.\n\nRight-hand side of page\n\n•\n\n“HUD Certification Number” sets as TXR-B, TXR.\n\nManufactured Home Certification Program (H1)\n\nLeft-hand side of page—Manufactured Home Certification table\n\n• Column heads: “Certification,” “Identifier” set as equal columns TCH in 2 column table x 22\n"}
diff --git a/chunks/json/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.json b/chunks/json/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.json
new file mode 100644
index 0000000000000000000000000000000000000000..1d8287b64ce545e5b9fd79ed2cb341540ade7658
--- /dev/null
+++ b/chunks/json/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":799232,"char_start":797558,"chunk_id":"chk_feb97493459b87d6","chunk_index":474,"chunk_sha256":"c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConditionAndQualityD\nescription\n\nA free-form text field used to describe\nproject common elements and recreation\nfacilities.\nIndicates that project common elements\nare leased by the project management\n(e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsDescr\niption\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsLease\ndIndicator='Y']\n\n50\n\n50\n\n50\n\n50\n\n4000\n\n4000\n\n1\n\n1\n\n1\n\n2\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nNumeric\n\nPDF Display Format:\nIn percentage points (e.g. a value of 25 means 25%)\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nBoolean\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n"}
diff --git a/chunks/json/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.json b/chunks/json/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..97c60250c496fc06db8b6829b519b1e5e44a25ec
--- /dev/null
+++ b/chunks/json/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28064,"char_start":26289,"chunk_id":"chk_df09efcf1032c6e3","chunk_index":31,"chunk_sha256":"c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce","token_estimate":444,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Examples\n\nExample of a singular PropertyValuationConditionalConclusionType: Subject to Completion Per Plans\n\nThis appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted. This might have affected the assignment results.\n\nExample of two PropertyValuationConditionalConclusionType: Subject to Completion Per Plans and Subject to Repair\n\nThis appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been\ncompleted, and subject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the repairs or alterations have\nbeen completed in a professional manner. This might have affected the assignment results.\n\n03 Itemized List of Repairs\n\nThe Itemized List of Repairs section displays a list of individual repairs that were required in the original appraisal and their status as of the date of the\ncompletion inspection.\n\nPage 19\n\nThe Itemized List of Repairs section does not display when there are no itemized repair items.\n\n• Each itemized repair from the original appraisal report must include the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on\n\nreport) = “false”\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nCompletion Report: Itemized List of Repairs (Figure 03 - 1)\n\n03.001\n\nFeature\n\n3900.0117 DefectComponentLabelType\n\n03.002\n\nLocation\n\n3900.0010 DefectItemLocationType\n\nDisplay when PropertyValuationConditionalConclusionType =\n\"SubjectToRepair\" AND CompletionReportNewDefectIndicator = \"false\"\nDisplay a separate row for each repair item.\n- When the same Feature has multiple repair items, repeat the\n"}
diff --git a/chunks/json/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.json b/chunks/json/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.json
new file mode 100644
index 0000000000000000000000000000000000000000..7dd0a345b17142bdb1e54e2d055ecc50378d5fdf
--- /dev/null
+++ b/chunks/json/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":433846,"char_start":432241,"chunk_id":"chk_640c059407858783","chunk_index":250,"chunk_sha256":"c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 5 of 22\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nThis is where the Sketch image would display.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFront Door Elevation\nTownhouse End Unit\nTownhouse Back to Back\nUnits Above or Below\nYear Built\nConstruction Method\nConverted Area\n\n1\nRowhouse/Townhouse\n2-3 Ft.\nYes\nNo\nNo\n2016\nSite Built\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ3\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nBrick | Wood\n\nFoundation\n\nRoof\n\nWindows\n\nPoured Concrete | Basement\n\nSlate\nEstimated Age: 1-10 years\n\nMostly double hung\nwindows - some palladian\nand transom windows noted.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nQuality Comment\nThe exterior walls and trim\nuse upper end finishes\nand materials. Trim is more\nextensive than that typically\nseen for these types of\nstructures.\n\nSlate shingles are typically\nconsidered to be an upper\nend material for this type of\nstructure.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nEvidence of possible termite\ninfestation.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n"}
diff --git a/chunks/json/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.json b/chunks/json/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..f25a902374523244879615374b284cce4e446379
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+++ b/chunks/json/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":39523,"char_start":37813,"chunk_id":"chk_b22f1637e4dafdca","chunk_index":22,"chunk_sha256":"c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"Appendix F-2: Appraisal Update Report Reference Guide\n\nPage 19 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Assignment Information\n\nAssignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n04.025\n04.040\n\nEmployment\nType\n\nRequired on VA\nassignments\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Employment\nType)\n\nDefinition / Additional Guidance\n\nThe employment category for the appraiser.\n•\n•\n\nIndependent Fee Appraiser\nStaff Appraiser\n\nReference VA appraisal guidelines for more information.\n\nAllowable Answer\n\nIndependent Fee Appraiser\n\nAssignment Information: Employment Type\n\nDefinition / Additional Guidance\n\nAn independent contractor treated for purposes of federal income taxation as an independent contractor by both the\nlender/client and the appraisal management company ordering the appraisal. The appraiser is issued a Form 1099 and is\nresponsible under IRS rules accordingly.\n\nStaff Appraiser\n\nAn employee for purposes of federal income taxation by either the lender/client or the appraisal management company\nordering the appraisal. The appraiser is expected to be issued a Form W-2.\n\nSignificant Real Property Appraisal Assistance\n\nThis subsection of Assignment Information provides details about people who provided significant real property\nappraisal assistance to the appraiser. A contact (person) displays in this subsection when the Significant Real\nProperty Appraisal Assistance Role is chosen for the contact. If no one provided professional assistance, do not\nchoose a Role of Significant Real Property Appraisal Assistance, and this subsection does not display.\n"}
diff --git a/chunks/json/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.json b/chunks/json/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.json
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index 0000000000000000000000000000000000000000..5d4fe647cbda251ffac69db64e8275b3b022d06b
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+++ b/chunks/json/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.json
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+{"chunk":{"char_end":1738,"char_start":0,"chunk_id":"chk_53a40d11fbe02701","chunk_index":0,"chunk_sha256":"c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ce4d885332e87071","text_sha256":"c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Chief_FOIA_Officer_Report___U_S__FEDERAL_HOUSING_m8vi69.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/chief-foia-officer-report\"\ndate_accessed: \"2026-01-27T17:54:20.676Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.json b/chunks/json/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.json
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index 0000000000000000000000000000000000000000..f5d0a96ada5db3b4ca1b67502f14f6633f69ed24
--- /dev/null
+++ b/chunks/json/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":526682,"char_start":525073,"chunk_id":"chk_3ef3637407966685","chunk_index":299,"chunk_sha256":"c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The MISMO v3.3.0 LDD includes a broad range of enumerated values to support the Closing\nDisclosure which will cover most scenarios in the closing process; however, there may be\nsituations where the published list may not support your business use case. In these instances,\nthe enumerated value “Other” may be used for the applicable data point. When “Other” is\nused, the identically-named data point ending in OtherDescription also must be provided to\nidentify or describe “Other”. For example: An uncommon type of insurance that is not found\nin the UCD enumerated values must be provided in the XML file as: PrepaidItemType = “Other”\nand PrepaidItemTypeOtherDescription = “LandslideInsurance”.\n\nAppendix I prescribes the values that may be entered for some “TypeOtherDescription” data\npoints. When this is the case, values will be entered in the “Supported UCD Enumerations”\ncolumn.\n\nThe data points and containers used to disclose data in 1.4 Settlement Agent, 2.0 Transaction\nInformation and 23.0 Contact Information are grouped within the repeatable PARTY\nstructure. PARTY holds information about either an individual or legal entity who is “party” to\nthe closing transaction.\nIn UCD, a separate PARTY container must be used for each individual or legal entity who\nparticipates in the transaction, even if they are the same PartyRoleType.\nPARTY containers may repeat with the same value of PartyRoleType. For example, for a\nPartyRoleType value of “Borrower,” the PARTY container is included in the XML file the same\nnumber of times as there are Borrowers to disclose.\n\nAppendix E: UCD Implementation Guide\n"}
diff --git a/chunks/json/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.json b/chunks/json/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.json
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index 0000000000000000000000000000000000000000..dda509ea70e9d6c4bdeb03737bcd57b199d88e35
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+++ b/chunks/json/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.json
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+{"chunk":{"char_end":239645,"char_start":238003,"chunk_id":"chk_522a437a4a30aaa2","chunk_index":138,"chunk_sha256":"c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 7 of 18\nPage 7 of 18\n\nUnit Interior (continued)\n\nLevel 1 - Bedroom\n\nLevel 1 - Dining Room\n\nLevel 1 - Living Room\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nVehicle Storage\n\nStorage\nParking Garage\n\nNumber of Parking Spaces\n1 | Owned\n\nDetail\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nBalcony\n\nMaterial\nConcrete\n\nDetail\n120 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 8 of 18\nPage 8 of 18\n\nSubject Property Amenities (continued)\n\nSubject Property Amenities Exhibits\n\nBalcony\n\nOverall Quality and Condition\n\nOverall Quality\nInterior Quality\n\nQ3\nQ3\n\nOverall Condition\nInterior Condition\n\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe subject unit has received recent, extensive updating throughout, which translates to Q3 and C3.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n"}
diff --git a/chunks/json/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.json b/chunks/json/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.json
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index 0000000000000000000000000000000000000000..c6194041d18c7a9c8e4569652b576b32a83e6a32
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+++ b/chunks/json/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10609,"char_start":8822,"chunk_id":"chk_b1f5441914e4cc0a","chunk_index":5,"chunk_sha256":"c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8","token_estimate":445,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.md"]},"text":"In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical...\n - Briefs, Notes & White Papers\n\nAugust 22, 2024\n\n## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals)\n\nIn establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA technical report documents the statistical forecast models that...\n - Briefs, Notes & White Papers\n\nDecember 8, 2022\n\n## [FHFA Mortgage Analytics Platform (Version 3.0)](/research/papers/fhfa-mortgage-analytics-platform-version-3)\n\n​This white paper incorporates the following major enhancements and updates reflected in the third version of the Single-family FHFA Mortgage Analytics Platform (FMAP v3.0) since version 2.0 of FMAP was released in May 2020.\n - Briefs, Notes & White Papers\n\nDecember 22, 2021\n\n## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals - December 2021](/research/papers/2022-2024-enterprise-single-family-housing-goals-12-2021)\n\nIn establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical...\n - Briefs, Notes & White Papers\n"}
diff --git a/chunks/json/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.json b/chunks/json/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.json
new file mode 100644
index 0000000000000000000000000000000000000000..db5a44bdaaabec1be65582fc784c97635640bcc2
--- /dev/null
+++ b/chunks/json/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":59762,"char_start":58157,"chunk_id":"chk_0047f4931f7ee3e6","chunk_index":14,"chunk_sha256":"c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"B. PURPOSE\n\nThe primary purpose of the I-Guide is to provide Appendix I users with a better understanding of the MISMO\nversion 3.3.0 Reference Model (MISMO v3.3.0) data used to populate each section of the Closing Disclosure.\n\nAppendix C: Sample Closing Disclosures with Reference Numbers provides an identifier for each Closing\nDisclosure field known as the “form field ID.” The red form field ID in Appendix C also appears in Appendix I.\nFigure 1 highlights the form field ID 1.1 in the Appendix C and Appendix I excerpts in yellow.\n\nThe I-Guide presents sections of Appendix C followed by excerpts from Appendix I to explain how to use UCD\ndata to provide in an XML document all the form field entries on the Closing Disclosure.\n\nUsers can filter on the “UCD Form Field ID” column in Appendix I to find all MISMO data points needed to\npopulate a specific Closing Disclosure field.\n\n1 Also known as the Bureau of Consumer Financial Protection.\n2 See title page for list of amendments and Federal Register references.\n\nAppendix E: UCD Implementation Guide\n\nPage 9 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nI. Introduction\n\nFigure 1. UCD Form Field ID Cross References\n\nAppendix E: UCD Implementation Guide\n\nPage 10 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nII. Document Structure\n\nII. DOCUMENT STRUCTURE\n\nThe I-Guide is a reference manual organized to facilitate finding form sections or fields. References to document\nsections are hyperlinked so that [CTRL + Click] will jump to that section. References to documents available on\nthe web are also hyperlinked.\n\nA. D OCUMENTATI ON CONVENT I ONS\n"}
diff --git a/chunks/json/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.json b/chunks/json/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7ceee6c686bc6ace9e90dcc62b3fc7a17fd483a
--- /dev/null
+++ b/chunks/json/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":254946,"char_start":252905,"chunk_id":"chk_79dd1cc36d149c95","chunk_index":142,"chunk_sha256":"c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c","token_estimate":511,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When providing builder sales from competing projects that are not presently available through traditional data sources, the\nappraiser must verify the sale from the applicable settlement statement and indicate on the appraisal report that the settlement\nstatement was the document utilized for verification. Additionally, the appraisal must include discussion and analysis of sales\nconcessions and upgrades for the subject property relative to concessions and upgrades for each builder sale. (For special\nappraisal considerations regarding condo projects, see Selling Guide B4-1.4-03, Condo Appraisal Requirements.)\n\nRural Properties\n\nRural properties often have large lot sizes, and rural locations can be relatively undeveloped. Therefore, there may be a shortage\n(or absence) of recent truly comparable sales in the immediate vicinity of a subject property. If the appraiser’s analysis of the\nmarket data shows the best indicators of value for the subject property are a considerable distance away, those comparable sales\ncan be used if it produces credible assignment results. The appraisal must include an explanation of why the particular\ncomparables were selected.\n\nUse of Foreclosures and Short Sales\n\nIt is acceptable to use foreclosures and short sales as comparables if the market data indicates they are the best and most\nappropriate sales available. The appraiser must address in the appraisal report the prevalence of such sales in the subject’s\nmarket and their impact including the conditions of sale. The appraiser cannot assume the conditions of the sale are equal to or\nrepresent a market value for the comparable property. For example, a short sale property that sells below market value will need\na conditions of sale adjustment. The appraiser must identify the financing type as REO sale or short sale, as appropriate. (For\nspecific information regarding comparable sale adjustments, see SB4-1.3-09, Adjustments to Comparable Sales, and for\ninformation regarding financing types, see Appendix F-1: URAR Reference Guide.)\n"}
diff --git a/chunks/json/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.json b/chunks/json/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.json
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index 0000000000000000000000000000000000000000..70f84a13fc5aae53b9df8a1345a6933132c2acb2
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+++ b/chunks/json/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":288851,"char_start":287121,"chunk_id":"chk_9a819223141b6c59","chunk_index":250,"chunk_sha256":"c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974","token_estimate":432,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 218\n\nApparent Defects, Damages, Deficiencies\n\n•\n\nImages provided for Apparent Defects, Damages, Deficiencies (Vehicle Storage) must be delivered in the IMAGE container located in the\ninstance of the DEFECT container that represents the given defect.\n\n• The text “Apparent Defects, Damages, Deficiencies - ” precedes the CarStorageType (UID: 1400.0638, FID: 13.005.1).\n• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.005.2) and will also display above the\n\nimage following the storage type.\n\nAdditional Exhibits\n\n• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 13.011.1) =\n\n“VehicleStorageExhibit”.\n\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.011.2).\n\nReference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.\n\nVehicle Storage – Arcrole Relationships\n\nArcrole relationships establish \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata specific instances of data points or containers must be connected to properly represent the information.\n\nAppendix B-1: URAR Implementation Guide v1.3\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\nPage 219\n\nDEFECT to CAR_STORAGE\n\nProvide the relationship that joins the relevant DEFECT to the CAR_STORAGE instance that has the defect, damage or deficiency. One\nRELATIONSHIP container is required for each defect identified on the exterior of the dwelling.\n"}
diff --git a/chunks/json/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.json b/chunks/json/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.json
new file mode 100644
index 0000000000000000000000000000000000000000..9684d259d7a8cf66ed69e955a6a8bba7d39603e5
--- /dev/null
+++ b/chunks/json/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14152,"char_start":12934,"chunk_id":"chk_b2c8003a54b0be0a","chunk_index":7,"chunk_sha256":"c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5c230171c77d6892","text_sha256":"c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6","token_estimate":304,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA.md"]},"text":"- [Enterprise Multifamily Public Use Dashboard](/data/dashboard/enterprise-multifamily-public-use-database)\n- [Press Release: FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions](/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions)\n\n## Mortgage Loan & Natural Disaster\n\nThis interactive Mortgage Loan and Natural Disaster Dashboard combines FHFA’s PUDB data on single-family and multifamily acquisitions for the regulated entities (Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System), FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas. Desired geographies can be exported to .pdf and Excel from the Mortgage Loan and Natural Disaster Dashboard.\n\n- [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster)\n- [Mortgage Loan and Natural Disaster Dashboard FAQs](/faqs/mortgage-loan-and-natural-disaster)\n- [FHFA Stats Blog: Mortgage Loan and Natural Disaster Dashboard Blog Post](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl)\n\n*Page Last Updated: November 25, 2025*\n"}
diff --git a/chunks/json/c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274.json b/chunks/json/c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274.json
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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_17bea865bf53c422","chunk_index":0,"chunk_sha256":"c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/hpi\"\ndate_accessed: \"2026-01-27T17:47:50.444Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b.json b/chunks/json/c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b.json
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+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_86002076a5f5b414","chunk_index":0,"chunk_sha256":"c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/mortgage-servicing\"\ndate_accessed: \"2026-01-27T17:48:04.338Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c.json b/chunks/json/c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c.json
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+{"chunk":{"char_end":189448,"char_start":187804,"chunk_id":"chk_d2eafbb5e4289529","chunk_index":106,"chunk_sha256":"c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c","token_estimate":411,"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 appraiser developed an opinion of site value, then the appraiser must also include the method by which the site value is\ncalculated. For the sales comparison, the land comparables used to develop the site value must be provided. The Reconciliation\nof Site Value commentary must include any additional details necessary to support the appraiser’s opinion of site value, such as\ndate of sale, access, utilities, zoning, views, or site influences of the land comparables in relation to the subject property.\n\nSubject Property Zoning\n\nThe appraiser must identify the specific zoning classification code in the appraisal report, such as R-1 or R-2, and provide a\ngeneral description as to what the zoning permits, such as single family or two-unit properties. The appraisal must also indicate\nwhether the subject property presents\n\n•\n\n•\n\n•\n\na legal conforming use,\n\na legal non-conforming use,\n\nan illegal use, or\n\n• no local zoning.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 78 of 166\n\nUAD 3.6 Policy\n\nIf the subject’s zoning compliance is illegal under the zoning regulations, the appraisal report must contain the reason(s) the site\ndoes not comply with the zoning regulations.\n\nFannie Mae only purchases or securitizes loans on properties if the improvements constitute a legal conforming use of the land.\nHowever, Fannie Mae will purchase or securitize a loan for a property that constitutes a legal, non-conforming use of the land\nprovided that the appraisal analysis reflects any adverse effect that the non-conforming use has on the value and marketability of\nthe property. This requirement applies to all property types.\n"}
diff --git a/chunks/json/c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c.json b/chunks/json/c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c.json
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+{"chunk":{"char_end":3433,"char_start":1715,"chunk_id":"chk_04935fb6828fba9d","chunk_index":1,"chunk_sha256":"c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"In preparation to conform to the new ISO 20022 standards, Fannie Mae will update existing wiring instructions by March 3,\n2025, using address information available in other Fannie Mae systems. If an address is unavailable, Fannie Mae will reach out\nto the Seller, Warehouse Lender or Disbursement Agent to gather an appropriate beneficiary address to be used. Delays in\nresponding may cause funding delays due to wires being rejected.\n\nFannie Mae will initially update the beneficiary address information for existing wiring instructions based on wiring\ninstruction Receiver Type in Loan Delivery using the following methodology:\n\n•\n\n•\n\n•\n\n•\n\nIf the Receiver Type is set to “Seller”, Fannie Mae will use the address provided on the Lender Record Information (Form\n582)\nIf the Receiver Type is set to “Warehouse Lender”, Fannie Mae will use the address provided at the time of the warehouse\nlender’s registration (or the address most recently provided to Fannie Mae by the warehouse lender that is reflected in\nFannie Mae’s systems)\nIf the Receiver Type is set to “Disbursement Agent”, Fannie Mae will use the address provided at the time of the\ndisbursement agent’s registration (or the address most recently provided to Fannie Mae by the disbursement agent that\nis reflected in Fannie Mae’s systems)\nIf a Seller would like to update the beneficiary address, the updated Form 482 will need to be submitted after March 3,\n2025\n\nIn accordance with ISO 20022, the beneficiary address will be on the wire details provided to the beneficiary bank.\n\nEffective March 10, beneficiary address information is required on all cash wiring instructions. Cash wires may be rejected if\nthe beneficiary address information is missing.\n"}
diff --git a/chunks/json/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.json b/chunks/json/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.json
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+++ b/chunks/json/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.json
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+{"chunk":{"char_end":53162,"char_start":51482,"chunk_id":"chk_3ba07c2010c54e74","chunk_index":30,"chunk_sha256":"c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc","date_utc":"2026-01-27T18:05:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_13e2ddacb5ca2f45","text_sha256":"c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/Appendix F-2 Restricted Appraisal Update Report Reference Guide (1).pdf"]},"text":"•\n\nAppendix F-2: Appraisal Update Report Reference Guide\n\nPage 27 of 28\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n05 Certifications and Scope of Work\n\nSignature\n\nThe Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser)\nwho is signing the report. Only Appraisers and Supervisory Appraisers can sign the report.\n\nMost of the information in this subsection redisplays from Assignment Information.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n05.038 Appraiser or\nSupervisory\nAppraiser\n\n05.041 N/A\n\n05.040 Date of\n\nSignature and\nReport\n\n05.042\n\nLevel\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nAlways displays for\neach person signing\nthe report\n\nSignature\n\nAllowable\nAnswers / Format\n\nAppraiser or\nSupervisory\nAppraiser\n\nFree-form\n\nDefinition / Additional Guidance\n\nContact Name\nThe full name of the appraiser or supervisory appraiser, as it appears on the\nAppraisal Subcommittee website.\n\nNote: Redisplays from 04.011 (Appraiser) or 04.026 (Supervisory Appraiser).\n\nmm/dd/yyyy\n\nThe date the Restricted Appraisal Update report was signed.\nNote: If revisions are performed, the report must reflect the new date.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nCredential Type\n•\n\nNone (includes noncredentialled appraiser trainees or jurisdictions that\ndon’t provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n"}
diff --git a/chunks/json/c45578277a8af41f4fc661086fde2b287c56f5f40e1124481acb4b44be182886.json b/chunks/json/c45578277a8af41f4fc661086fde2b287c56f5f40e1124481acb4b44be182886.json
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diff --git a/chunks/json/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.json b/chunks/json/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.json
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+++ b/chunks/json/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8747,"char_start":7081,"chunk_id":"chk_295784c3f6eb9592","chunk_index":4,"chunk_sha256":"c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f394d02a93f3888f","text_sha256":"c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Servicing___FHFA_ikmqe7.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Mortgage Servicing\n\nPolicy\n\n# Mortgage Servicing\n\nSince 2008, FHFA has worked with Fannie Mae and Freddie Mac (the Enterprises) to develop and implement a variety of programs and initiatives to address challenges in the servicing market. FHFA and the Enterprises have worked to align servicers' loss mitigation tools, promote servicing market liquidity and efficiency, and create stronger counterparty financial requirements.\n"}
diff --git a/chunks/json/c46aa8e42cac8af909789bc0a83da781a6f708d75610e40f45d7474ce1fd5bc2.json b/chunks/json/c46aa8e42cac8af909789bc0a83da781a6f708d75610e40f45d7474ce1fd5bc2.json
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diff --git a/chunks/json/c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de.json b/chunks/json/c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de.json
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+{"chunk":{"char_end":3650,"char_start":1689,"chunk_id":"chk_1e9ac09b6aa37f87","chunk_index":1,"chunk_sha256":"c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5e31f440bb6fafd4","text_sha256":"c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de","token_estimate":490,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-nov18-2023.pdf"]},"text":"1 Unit\n2 Units\n3 – 4 Units\n\nFRM: 97%\nARM: 95%\nFRM/ARM: 95% (currently 85%)\nFRM/ARM: 95% (currently 75%)\n\nHomeStyle® Renovation Requirements – Desktop Underwriter Version 11.1\nExcludes: High LTV Refinance and Manufactured Housing\n\nPrincipal Residence\n\nPurchase\nLimited Cash-Out Refinance\n\n1 Unit\n2 Units\n3-4 Units\n\nFRM: 97%\nARM: 95%\nFRM/ARM: 95% (currently 85%)\nFRM/ARM: 95% (currently 75%)\n\n© 2023 Fannie Mae.\n\n10.25.23 1 of 3\n\nNote: Loan Delivery and EarlyCheck™ will be updated Nov. 17, 2023, to support the higher LTV ratios.\n\nRisk and Eligibility Assessment (added to release notes Oct. 25, 2023)\n\nAs part of normal business operations and prudent risk management, we regularly review and adjust the DU risk assessment\nbased on the latest market and loan performance data. These reviews include an evaluation of the risk factors evaluated by DU.\nWith this release DU will no longer consider number of borrowers as a factor in the risk assessment.\n\nThis change supports our efforts to provide prudent and sustainable homeownership to credit worthy borrowers, including\nsingle-person households, in a safe and sound manner. In addition, this change aligns DU’s risk assessment with the Enterprise\nRegulatory Capital Framework, which does not include the number of borrowers as a factor in determining capital allocation. We\nanticipate that this change may yield a slight increase in loan casefiles receiving an Approve/Eligible recommendation.\n\nThis change will only apply to DU Version 11.1 loan casefiles created on or after Nov. 20, 2023.\n\nHomeStyle Energy\n\nDU will now identify HomeStyle Energy loan casefiles using the “Mortgage loan will finance energy-related improvements”\nindicator when the loan is also a HomeStyle Renovation loan. This will allow lenders to include the amount of the energy\nimprovements in Line B of Qualifying the Borrower, instead of requiring an amount to be provided in the “Energy improvements\nincluded in transaction” field.\n"}
diff --git a/chunks/json/c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff.json b/chunks/json/c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff.json
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+{"chunk":{"char_end":1603,"char_start":0,"chunk_id":"chk_e0b9502f6436c63f","chunk_index":0,"chunk_sha256":"c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff","token_estimate":401,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"2019 FHLBank Public Use Database\n\nNew Field Name\nYear\nLoanCharacteristicsID\nBank\nFIPSStateNumericCode\nFIPSCountyCode\nCoreBasedStatisticalAreaCode\n\nPrevious Field Name\nYear\nAssigned ID\nBank\nFIPSStateCode\nFIPSCountyCode\nMSA\n\nNew Business Name\nYear\nLoan Characteristics ID\nBank\nFIPS State Numeric Code\nFIPS County Code\nCore Based Statistical Area Code\n\nCensusTractIdentifier\n\nTract\n\nCensus Tract Identifier\n\nCensusTractMinorityRatioPercent\n\nMinPer\n\nCensus Tract Minority Ratio Percent\n\n1\n2\n3\n4\n5\n6\n\n7\n\n8\n\n9\n10\n\nCensusTractMedFamIncomeAmount\nLocalAreaMedianIncomeAmount\n\nTraMedY\nLocMedY\n\nCensus Tract Median Family Income Amount\nLocal Area Median Income Amount\n\n11\n\nTotalMonthlyIncomeAmount\n\nIncome\n\nTotal Monthly Income Amount\n\n12 HUDMedianIncomeAmount\n\nCurAreY\n\nHUD Median Income Amount\n\n13\n\nLoanAcquisitionActualUPBAmt\n\n14\n\nLTVRatioPercent\n\n15 NoteDate\n16\n17\n\nLoanAcquistionDate\nLoanPurposeType\n\nUPB\n\nLTV\n\nMortDate\nAcquDate\nPurpose\n\nLoan Acquisition Actual UPB Amount\n\nLTV Ratio Percent\n\nNote Date\nLoan Acquisition Date\nLoan Purpose Type\n\n18\n\nProductCategoryName\n\nProduct\n\nProduct Category Name\n\n19 MortgageType\n\nFedGuar\n\nMortgage Type\n\n20\n21\n\nScheduledTotalPaymentCount\nLoanAmortizationMaxTermMonths\n\nTerm\nAmorTerm\n\nScheduled Total Payment Count\nLoan Amortization Max Term Months\n\n22 MortgageLoanSellerInstType\n\nSellType\n\nMortgage Loan Seller Inst Type\n\n23\n24\n25\n\nBorrowerCount\nBorrowerFirstTimeHomebuyer\nBorrower1Race1Type\n\nNumBor\nFirst\nBoRace\n\nBorrower Count\nBorrower First Time Homebuyer Indicator\nBorrower1 Race 1 Type\n\n26\n\nBorrower2Race1Type\n\nCoRace\n\nBorrower2 Race1 Type\n\nEffective January 1, 2019\n"}
diff --git a/chunks/json/c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100.json b/chunks/json/c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100.json
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+{"chunk":{"char_end":16519,"char_start":14918,"chunk_id":"chk_da7b8e18792345a9","chunk_index":9,"chunk_sha256":"c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"Sketch\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nHighestAndBestUse\n\nThe subject is legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and modular homes on a minimum 12,000 square foot lot. Analysis indicates that the subject is in a market area of similar sized lots that are improved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved properties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and all types of single family homes are appropriate.\n\nOverallQualityAndCondition\n\nThe overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings.\n\nSubjectPriorSalesAndTransferHistory\n\nThe prior transfer of the subject was a land sale. Purchase of the manufactured home was separate from this transaction. The manufactured home was installed after the purchase of the land.\n\nComparablesPriorSalesAndTransferHistory\n\nThere were no prior sales or transfers of the comparable sales within the last 12 months.\n\nVehicleStorage\n\nThe subject features an attached 2 car garage with electric garage door opener.\n\nfalse\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAsIs\n\n2022-03-14\n\n110\n\nReasonableExposureTime\n\n275000\n\nfalse\n\nSRO-123345\n\nfalse\n\nAmericanNationalStandardsInstitute\n\nfalse\n\nfalse\n\ntrue\n\nURAR Delivery Specification v1.3\n\nInteriorAndExterior\n\nMYAPP\n\nSome Appraisal Creator\n\n11.2.1\n"}
diff --git a/chunks/json/c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470.json b/chunks/json/c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470.json
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+{"chunk":{"char_end":392384,"char_start":390782,"chunk_id":"chk_e9ba1e7a91639dd8","chunk_index":219,"chunk_sha256":"c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Version 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.10 Assessment payment due from the seller to reimburse the borrower at the real estate closing, the start\n\ndate and end date (inclusive) covered by the payment, and the total dollar amount.\n\n12.11\n\nItems not already predefined on the Closing Disclosure that have not yet been paid and which the\nconsumer is expected to pay after the real estate closing, but which are attributable to the seller to a\nperiod prior to the real estate closing. A description and the amount of each item, the start and end date\n(inclusive) covered by the payment, and the total dollar amount must be disclosed. Examples include\nbut are not limited to: utilities used but not paid for by the seller; rent collected in advance by the seller\nfrom a tenant for a period extending beyond the closing date; and interest on loan assumptions.\n\nThe data points used to provide this information are shown in the table below. Only two types of Adjustments\nfor Items Paid by Seller in Advance are shown in the illustration. If more adjustments are part of the\ntransaction, repeat PRORATION ITEM for each adjustment.\n\nTable 122. Adjustments for Items Unpaid by Seller\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nFirst Instance of PRORATION_ITEM\n\n12.8\n\nN/A - XML\n\n…/PRORATION_IT\nEM\n\nIntegratedDisclosureS\nectionType\n\nPaidAlreadyByOrOn\nBehalfOfBorrowerA\ntClosing\n\nNot Shown\n\n12.8\n\nN/A - XML\n\n12.8.1\n\nCity/Town Taxes\n($)\n\n12.8\n\n12.8\n\nCity/Town Taxes\nDD/MM/YYYY to\nDD/MM/YYYY\n"}
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+{"chunk":{"char_end":1587,"char_start":0,"chunk_id":"chk_7612cadd3b5096a3","chunk_index":0,"chunk_sha256":"c48261278980ff1b53c9e16809fa732caf182db75801f8fb7b159ffe32e02f35","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_c7a522826b258ca9","text_sha256":"c48261278980ff1b53c9e16809fa732caf182db75801f8fb7b159ffe32e02f35","token_estimate":397,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.xml/AU1_AppraisalUpdate_v1.3.xml"]},"text":"123 Falling Tree Ct\n\nTreeville\n\nArboreal\n\n12345\n\nVA\n\nPropertyPhoto\n\n\\\\Images\\AU1_SubjectProperty.png\n\nimage/png\n\n2020-03-20\n\nPhysical\n\nNoInspection\n\nLot 53 Sunnyside Subdivision\n\nFeeSimple\n\nfalse\n\n1234567\n\nClient\n\nAA9876543\n\nValuationSoftwareVendor\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nAA234567\n\nfalse\n\n2019-09-20\n\n90\n\n0\n\n490000\n\nAA12345\n\nAgatha Appraiser\n\nDEF Bank\n\nRestricted Appraisal Update Report Delivery Specification v1.3\n\nExterior\n\nAASOFT\n\nAwesome Appraisal Software\n\n2.1\n\nAwesome Vendor, LLC\n\nI have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file.\nBoth the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using multiple sales in the subject's market which confirms that the subject's market value has not decreased since the effective date of the original appraisal.\n\n2020-03-20\n\nfalse\n\nDEF Bank\n\n200 Elm St\n\nAnytown\n\n12346\n\nVA\n\nLender\n\nClient\n\nAllan\n\nAppraiser\n\n300 Maple St\n\nAnytown\n\n12345\n\nVA\n\nXYZ Appraisal Company\n\nCertifiedResidential\n\n2022-03-31\n\n1234456A\n\nVA\n\nAppraiser\n\nBetty\n\nBorrower\n\nBorrower\n\nBob\n\nBorrower\n\nBorrower\n\nValuation\n\n2020-03-20\n\n\\\\AU1_AppraisalUpdate_v1.2.pdf\n\napplication/pdf\n\n1\n\nValuationUpdate\n\nFNM_FRE\n\nSeptember 2024\n"}
diff --git a/chunks/json/c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936.json b/chunks/json/c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936.json
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+{"chunk":{"char_end":193831,"char_start":192224,"chunk_id":"chk_6e032f90e6b19519","chunk_index":113,"chunk_sha256":"c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Areas that are inundated or saturated by surface or ground water at a frequency and duration sufficient to support, and\nthat under normal circumstances do support, a prevalence of vegetation typically adapted for life in saturated soil\nconditions. Wetlands generally include swamps, marshes, bogs, and similar areas.\n\nResidential real estate in which the primary structure comes up to, or very near to, the edge of the property line (e.g.,\nrowhouses, garden homes, patio homes, and townhomes).\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nSite Features Commentary\n\nSite Features Commentary\n\nReport\nField ID\n\n4.066\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSite Features\nCommentary\n\nIf applicable\n\nFree-form\n\nDefinition / Additional Guidance\n\nOverall commentary for all site features, which could include information\npertinent to site features that is not captured in the discrete data, or additional\ndetails to support the discrete data that is provided.\n\nUtilities and Impact to Value / Marketability\n\nReport Label\n\nWhen to Include\n\nUtilities\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReport\nField ID\n\n4.067\n\nAlways required\n\nYes | No\n\nBroadband\nInternet\nAvailable\n\n4.068\n\nDwelling /\nImprovement\nWithin Utility\nEasement\n\nRequired for FHA,\nUSDA, and VA\nappraisals when\nEasement is Utility\n\nYes | No\n\n•\n\n•\n\nYes (high-speed internet access is publicly available exclusively through a\ndigital subscriber line, fiber-optic, or cable)\nNo (public high-speed internet access is unavailable or is only available\nthrough private satellite)\n"}
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+++ b/chunks/json/c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":290628,"char_start":289023,"chunk_id":"chk_0164af3c2afa1e25","chunk_index":155,"chunk_sha256":"c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Buyer\n\nROF as “Borrower-\nPaid”\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAID_T\nO/LEGAL_ENTITY/LEG\nAL_ENTITY_DETAIL\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAYME\nNTS/PREPAID_ITEM_\nPAYMENT\n\nPrepaidItemPayment\nTimingType\n\nAtClosing\n\nThird Instance of PREPAID_ITEM\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_DETAIL\n\nFeePaidToType\n\nLender\n\nNot Shown –\nATR/QM\n\nIntegratedDisclosure\nSectionType\n\nPrepaids\n\nNot Shown\n\nPrepaidItemType\n\nPrepaidInterest\n\nROF as “Prepaid\nInterest”\n\nPrepaidItemPaidFrom\nDate\n\nPrepaidItemPaidThro\nughDate\n\n2018-04-15\n\nROF as “4-15-18”\n\n2018-04-30\n\nROF as “4-30-18”\n\nAppendix E: UCD Implementation Guide\n\nPage 132 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFigure 84. Prepaids\n\n8.7.1 Prepaid Interest from\n\n___ to ___ ($ per\nday)\n\n8.7.1 N/A\n\nN/A - GSE\n\nUID\n8.256\n\n8.7.2 Borrower-Paid At\nClosing ($)\n\n8.7.2 Borrower-Paid\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAYME\nNTS/PREPAID_ITEM_\nPAYMENT\n\nPrepaidItemPerDiem\nAmount\n\n17.44\n\nROF as “$17.44”\n\nPrepaidItemPerDiem\nCalculationMethodTy\npe\n\n365\n\nRegulationZPointsAn\ndFeesIndicator\n\ntrue\n\nPrepaidItemActualPa\nymentAmount\n\n279.04\n\nPrepaidItemPayment\nPaidByType\n\nBuyer\n\nPrepaidItemPayment\nTimingType\n\nAtClosing\n\nNot shown –Required\nfor per diem\ncalculations\n\nNot Shown –\nATR/QM\n\nROF as $279.04\n\nROF as “Borrower-\nPaid”\n\n8.7.2 At Closing\n\n8.8.1 N/A – GSE\n\n8.8 N/A –XML\n\n8.8.1 Property Taxes (# mo.\n\nto ___)\n\n8.8 Property Taxes\n\n8.8.1 Property Taxes (# mo.\n\nto ____)\n\n8.8.5 Seller-Paid Before\n\nClosing Property\nTaxes\n\n8.8.5 Seller-Paid\n\n8.8.5 Before Closing\n"}
diff --git a/chunks/json/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.json b/chunks/json/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.json
new file mode 100644
index 0000000000000000000000000000000000000000..b1c7780768134e3120c0f4cea9929ce5de3df2e8
--- /dev/null
+++ b/chunks/json/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":322,"char_start":0,"chunk_id":"chk_e6789dd2ff8b7afb","chunk_index":0,"chunk_sha256":"c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e8db3de6f996e6b2","text_sha256":"c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7","token_estimate":81,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/pe-whole-loan-integration-impact-memo-jan-5-2020.pdf","below_target_min_tokens"]},"text":"Updated Product Mapping Guide\n\nIntegration Impact Memo\n\nFannie Mae is no longer purchasing LIBOR based ARMS. For an updated product mapping guide for Pricing and Execution\nWhole Loan, please email pewl_integration@fanniemae.com.\n\nJan 5, 2021\n\nFannie Mae Confidential and Proprietary © 2020 Fannie Mae 12.30.20 Page 1 of 1\n"}
diff --git a/chunks/json/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.json b/chunks/json/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.json
new file mode 100644
index 0000000000000000000000000000000000000000..e781e5d6d66affbecb61bd26b5a5ee4fecec9085
--- /dev/null
+++ b/chunks/json/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":63111,"char_start":62596,"chunk_id":"chk_f961228f430640a7","chunk_index":100,"chunk_sha256":"c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 18\n\nSales Comparison Approach – Arcrole Relationships ............................................................................................................................................................... 296\n\n23 Rental Information .......................................................................................................................................................................................................................... 298\n"}
diff --git a/chunks/json/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.json b/chunks/json/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.json
new file mode 100644
index 0000000000000000000000000000000000000000..1ffbd246c11fd58b935f194770284832bb3e45c3
--- /dev/null
+++ b/chunks/json/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":344,"char_start":0,"chunk_id":"chk_248448848335722b","chunk_index":0,"chunk_sha256":"c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6","token_estimate":104,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset\"\ndate_accessed: \"2026-01-27T18:02:17.451Z\"\n---\n\n[Skip to main content](#main-content)\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav\n"}
diff --git a/chunks/json/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.json b/chunks/json/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.json
new file mode 100644
index 0000000000000000000000000000000000000000..d4f90ba24ed925ffa4d17e09e33fb462c70cb97d
--- /dev/null
+++ b/chunks/json/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11955,"char_start":10574,"chunk_id":"chk_ca84b34583451040","chunk_index":6,"chunk_sha256":"c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617d207d94847c4c","text_sha256":"c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001","token_estimate":409,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Alloca_15bqj0e.md"]},"text":"[Letter to Freddie Mac](/sites/default/files/2023-04/Affordable-Housing-Funds_FRE-Directive.pdf) (4/3/2019)​\n\n[​](/sites/default/files/2023-02/2-7-18_ltr_fannie_mae_re_housing_trust_fund.pdf)[Letter to Fannie Mae](/sites/default/files/2023-02/2-7-18_ltr_Fannie_Mae_re_Housing_Trust_Fund_0.pdf) (2/7/2018)\n\n[Letter to Freddie Mac](/sites/default/files/2023-02/2-7-18_ltr_freddie_mac_re_housing_trust_fund.pdf) (2/7/2018)\n\n[Housing Trust Fund Interim Final Rule](/regulation/federal-register/interim-final-rule/housing-trust-fund) (12/16/2014)\n\n[FHFA Statement on the Housing Trust Fund and Capital Magnet Fund](/fhfa-statement-housing-trust-fund-and-capital-magnet-fund) (12/11/2014)\n\n[Letter to Fannie Mae](/sites/default/files/2023-04/FNM_HTFCMF12112014.pdf) (12/11/2014)\n\n[Letter to Freddie Mac](/sites/default/files/2023-04/FRE_HTFCMF12112014.pdf) (12/11/2014)\n\n[Letter to Fannie Mae](/sites/default/files/2023-02/11-13-08_ltr_fannie_mae_re_affordable_housing_allocations.pdf) (11/13/2008)\n\n[Letter to Freddie Mac](/sites/default/files/2023-02/11-13-08_ltr_freddie_mac_re_affordable_housing_allocations.pdf) (11/13/2008)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.json b/chunks/json/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..2600e96ed9fbcdddb0bfbcaa6afbd58bc7b4ef74
--- /dev/null
+++ b/chunks/json/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1094631,"char_start":1093017,"chunk_id":"chk_24fa09b88bd38d21","chunk_index":650,"chunk_sha256":"c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be indicated if the value of\nfield 1-169 (Amenity Count) is greater than\n\n167\n\nIMPROVEMENTS\n\n168\n\nIMPROVEMENTS\n\nCooling\nOther Description\n\nAmenities\nFireplace\n\nCooling Unit\nDescription\n\nA free-form text field describing the\nprimary cooling unit.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_U\nnitDescription\n\n10\n\nString\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Fireplace']/@_ExistsIndicator\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the cooling method used, if ‘Other’ is indicated. If no\ncooling, 'None' should be indicated.\nA value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not\nchecked.\nUAD Instruction - Refer to Appendix D Improvements Section\n\n169\n\nIMPROVEMENTS\n\nAmenities\nFireplace(s) #\n\nAmenity Count\n\nThe number of the amenities specified by\nAmenity Type that are present in the\nproperty. For example two fireplaces.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Fireplace']/@_Count\n\n170\n\nIMPROVEMENTS\n\nAmenities\nWoodstove\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='WoodStove']/@_ExistsIndicator\n\n171\n\nIMPROVEMENTS\n\nAmenities\nWoodstove(s) #\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='WoodStove']/@_Count\n"}
diff --git a/chunks/json/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.json b/chunks/json/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.json
new file mode 100644
index 0000000000000000000000000000000000000000..b9b81e00ff9909541a9b11b0e0f4e6a384303fad
--- /dev/null
+++ b/chunks/json/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":746255,"char_start":744459,"chunk_id":"chk_23bb9074150b3a53","chunk_index":442,"chunk_sha256":"c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2","token_estimate":449,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-93 (Site Zoning Compliance Type\n= 'Nonconforming') is indicated, then one\nand only one of fields 1-94 and 1-95 (values\nof Site Zoning Permit Rebuild To Current\nDensity Indicator) should be indicated.\n\nOne and only one of fields 1-92, 1-93, 1-96,\n1-97 (values of Site Zoning Compliance\nType) should be indicated.\nOne and only one of fields 1-92, 1-93, 1-96,\n1-97 (values of Site Zoning Compliance\nType) should be indicated.\n\nThis field should be populated if field 1-97\n(Site Zoning Compliance Type = 'Illegal') is\nindicated.\n\nOne and only one of fields 1-99, 1-100\n(values of Highest and Best Use Indicator)\nshould be indicated.\n\nOne and only one of fields 1-99, 1-100\n(values of Highest and Best Use Indicator)\nshould be indicated.\n\nThis field should be populated if field 1-100\n(Highest and Best indicator = 'N') is\nindicated.\n\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-104 (Site\nUtility Non Public Description).\n\nIf utilities are present, at least one of fields 1-\n102, 1-103 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-104 (Site\nUtility Non Public Description).\n\nIf field 1-103 (Site Utility Non Public\nIndicator) is indicated, this field is required.\nIf no utilities are present 'None' must be\npopulated.\n\nIf utilities are present, at least one of fields 1-\n105, 1-106 (Site Utility Public Indicator =\n'Y' or Site Utility Non Public Indicator = 'Y')\nmust be indicated. If no utilities are present\n'None' must be populated in field 1-107 (Site\nUtility Non Public Description).\n"}
diff --git a/chunks/json/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.json b/chunks/json/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.json
new file mode 100644
index 0000000000000000000000000000000000000000..4e1507a19577697a61bc4d02b7dde148641585a9
--- /dev/null
+++ b/chunks/json/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5003,"char_start":3271,"chunk_id":"chk_957a758584681240","chunk_index":2,"chunk_sha256":"c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814","token_estimate":433,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Water\nSanitary Sewer\n\n107\n106\n109\n 110\n\nPublic Other (describe)\n\nFEMA Map Date 121\n\nFEMA Map # 120\n\n112\n115\n\n105\n108\n\n122\n\n116\n\n118\n\n125\n\n117\n\n123\n\n126\n\n113\n\nSource(s) Used for Physical Characteristics of Property Appraisal Files MLS Assessment and Tax Records Prior Inspection Property Owner\n Other (describe) 134\n133\n\nData Source(s) for Gross Living Area 135\n\n130\n\n129\n\n131\n\n132\n\n128\n\nGeneral Description\n\nGeneral Description\n\nHeating / Cooling\n\nAmenities\n\nCar Storage\n\n136\n\n137\n\n159\n\n141\n\n144\n\n139\n\n149\n\n151\n153\n\nUnits One One with Accessory Unit Concrete Slab Crawl Space\n148\n Full Basement Finished\n# of Stories 138\n150\nType Det. Att. S-Det./End Unit Partial Basement Finished\n152\n140\n Existing Proposed Under Const. Exterior Walls 154\n142\n143\nDesign (Style)\nRoof Surface 155\nGutters & Downspouts 156\nYear Built 146; e-8\nWindow Type 157\nEffective Age (Yrs) 147\nAppliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 200\n196\nFinished area above grade contains: 201\nAdditional features (special energy efficient items, etc.) 205\n\nFireplace(s) # 169 None\n FWA HWBB\n182\n168\n158\n160\n Woodstove(s) # 171 Driveway # of Cars 184\n Radiant\n170\n183\nDriveway Surface 185\n Patio/Deck 173\n Other 162\n172\n161\n Garage # of Cars 187\nFuel 163\n Porch 175\n186\n174\n164\n176\n Central Air Conditioning Pool 177\n Carport # of Cars 189\n188\n Fence 179\n Individual\n Attached Detached\n178\n165\n190\n192\n Built-in\n Other 181\n Other 167\n180\n166\n\nSquare Feet of Gross Living Area Above Grade\n\nBedrooms 203 Bath(s) 204\n\nRooms 202\n\n145\n\n191\n\n195\n\n194\n\n198\n\n193\n\n197\n\n199\n\nDescribe the condition of the property and data source(s) (including apparent needed repairs, deterioration, renovations, remodeling, etc.). e-9; 206\n"}
diff --git a/chunks/json/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.json b/chunks/json/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.json
new file mode 100644
index 0000000000000000000000000000000000000000..f3202c57d3f5f1c9d434becf896e3a8c50c86080
--- /dev/null
+++ b/chunks/json/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21341,"char_start":21232,"chunk_id":"chk_209f396700dafcf5","chunk_index":5,"chunk_sha256":"c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256","token_estimate":27,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf","below_target_min_tokens"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 4 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nTable of Contents\n"}
diff --git a/chunks/json/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.json b/chunks/json/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.json
new file mode 100644
index 0000000000000000000000000000000000000000..5a848c3e72b28b430d5809c7bb1b76201bdf8d6b
--- /dev/null
+++ b/chunks/json/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":215270,"char_start":213663,"chunk_id":"chk_81a2816a5c429677","chunk_index":120,"chunk_sha256":"c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 85 of 166\n\nUAD 3.6 Policy\n\nType of Outbuilding\n\nAcceptability\n\nMinimal outbuildings, such as small barns or stables, that\nare of relatively insignificant value in relation to the total\nappraised value of the subject property.\n\nThe appraiser must demonstrate through the use of\ncomparable sales with similar amenities that the\nimprovements are typical of other residential properties in\nthe subject’s market area for which an active, viable\nresidential market exists.\n\nAn atypical minimal outbuilding.\n\nThe property is acceptable provided the appraiser’s\nanalysis reflects little or no contributory value for it.\n\nSignificant outbuildings, such as silos, large barns, storage\nareas, or facilities for farm-type animals.\n\nThe presence of the outbuildings may indicate that the\nproperty is agricultural in nature. The lender must\ndetermine whether the property is residential in nature,\nregardless of whether the appraiser assigns value to the\noutbuildings.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 86 of 166\n\nUAD 3.6 Policy\n\nSB4-1.3-06, Dwelling Condition and Quality of Construction (06/04/2025)\n\nIntroduction\n\nThis topic contains information on dwelling condition and quality of construction, including:\n\n• Appraiser Selection of Condition, Quality, and other Characteristic Ratings\n• Property Condition\n• Dwelling Condition Ratings\n•\n• Definitions of Not Updated, Partially Updated, Moderately Updated, Significantly Updated, and Fully Updated Kitchen\n\nIdentifying Dwelling Condition\n\nand Bathroom(s)\n\nInfestation, Dampness, or Settlement\n"}
diff --git a/chunks/json/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.json b/chunks/json/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.json
new file mode 100644
index 0000000000000000000000000000000000000000..17b78fbf37b885fabe94d807b18b6234c6793558
--- /dev/null
+++ b/chunks/json/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5117,"char_start":3384,"chunk_id":"chk_27a31f2a3bc20b08","chunk_index":2,"chunk_sha256":"c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e7b4ddc2d288ca6b","text_sha256":"c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/quick-guide-ucd-enhancements-oct-12-2022.pdf"]},"text":"© 2022 Fannie Mae\n\nOctober 2022 Page 2\nof 4\n\nMay 23\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nTo further refine UCD Phase 2 data quality, the following new edit will be added as warning-to-fatal severity in relation to\nSeller Credits:\n\nEdit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing\nAdjustment Item Detail container is required.\n\nAdditionally, the following existing UCD Phase 2 fatal severity edit messages will be updated to provide additional\ninformation/clarity:\n\nEdit 3416: The Closing Adjustment Item Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part\nof Seller Credit data (even if a 0 value) for all Purchase loans.\n\nEdit 3417: The Closing Adjustment Item Type of SellerCredit is required as part of Seller Credit data (even if a 0 value) for all\nPurchase loans.\n\nEdit 3421: When the Closing Adjustment Item Type is Gift, Grant, or Rebate Credit the FullName of the Individual or Legal\nEntity who paid it is required.\n\nEdit 3422: The IntegratedDisclosureSectionType of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part of\nDeposit on Sales Contract data (even if a 0 value) for all Purchase loans.\n\nEffective\nDate\n\nImpacted Area\n\nApril 21\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nDescription\n\nTo further refine UCD Phase 1 data quality, the following edits will be updated, effective April 21, 2022. The edit feedback\nmessages will be updated to the following:\n\nFatal edit 3123: If Regulation Z Excluded Bona Fide Discount Points indicator is true, then Loan Price Quote Interest Rate\nPercent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal places.\n"}
diff --git a/chunks/json/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.json b/chunks/json/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.json
new file mode 100644
index 0000000000000000000000000000000000000000..e22a2a9c68f330e39080f6f97a8fa175240a556c
--- /dev/null
+++ b/chunks/json/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":776245,"char_start":774492,"chunk_id":"chk_f08ec8b9131d18b3","chunk_index":462,"chunk_sha256":"c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311","token_estimate":438,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 349 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 2: Condition and Quality Rating Definitions\n\nQuality Rating Definitions\nIn each category, the property must meet the majority of the criteria listed but does not have to meet all criteria.\n\nRating\n\nOverall Quality Rating\n\nInterior Quality Rating\n\nExterior Quality Rating\n\nThe dwelling represents housing that\ncan be reproduced from standard plans,\nfeaturing a higher than standard degree\nof complexity and some customization\nin the structural design, amenities, and\nfinishes. A Q3 dwelling can contain a\nmixture of premium and standard level\nmaterials or amenities. They are often\ncharacterized as \"semi-custom\" new\nconstruction, or as pre-existing\ndwellings that are upgraded using some\npremium materials or amenities.\n\nThe dwelling is constructed using\nstandard building plans and designs that\ncan be reproduced multiple times with\nminimal customization or style\nvariations. The materials and amenities\nare widely available and can contain a\nmixture of some standard and\neconomy-level materials.\n\nThe dwelling is basic in design and\nmeets minimum building standards.\nDwellings rated Q5 are designed for\nefficiency in installation and\nconstruction representing basic housing.\nQ5 dwellings have minimal refinements\nor upgrades but are not considered\nsubstandard.\n\nThe dwelling is a structure constructed\nin a manner reflecting a lack of basic\narchitectural designs and may not meet\nlocal building standards. The materials\nand amenities are low quality, alternate,\nor non-customary; or whose\nconstruction or installation reflects\nunskilled workmanship and may not be\nadequately equipped to support year-\nround occupancy. Q6 dwellings may be\nrare or even non-existent in many\ncommunities.\n"}
diff --git a/chunks/json/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.json b/chunks/json/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.json
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index 0000000000000000000000000000000000000000..e283161b24d01478bd2e045d99b7076c89613573
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+++ b/chunks/json/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6649,"char_start":5043,"chunk_id":"chk_d1171e975f207bc0","chunk_index":3,"chunk_sha256":"c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"8\n\n1550000\n\n780000\n\n46\n\n1070000\n\nActiveListings\n\n2\n\nPendingSales\n\n6\n\n1050000\n\n780000\n\n880000\n\nTotalSales\n\nUnderThreeMonths\n\nInBalance\n\nfalse\n\nThree Trees\n\nBlock H Lot XX of Wheel of Fortune\n\n1765\n\nLandWithDwelling\n\nAssessorUnformattedIdentifier\n\n160403459625-67\n\nClubhouse\n\nFitnessArea\n\nIngroundPool\n\nRecreationArea\n\nOther\n\nSnow Removal\n\nfalse\n\nfalse\n\n168\n\nComposite\n\nDeck\n\nUpstairs Deck\n\n\\\\Images\\SF2_Deck1.png\n\nimage/png\n\n408\n\nComposite\n\nDeck\n\nDownstairs Deck\n\n\\\\Images\\SF2_Deck2.png\n\nimage/png\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\n\\\\Images\\SF2_IndoorFireplace.png\n\nimage/png\n\nElevator\n\nWholeHome\n\nMechanicalSystem\n\nfalse\n\nThe hot water heater did not appear to be operational. No hot water.\n\nOther\n\nBelow grade area\n\nRepair\n\nExteriorWallsAndTrim\n\nfalse\n\nPossible termite infestation\n\nOther\n\nLower right corner of rear wall\n\nInspection\n\nNone\n\n0\n\nAttached\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC3\n\nQ3\n\ntrue\n\ntrue\n\nFeeSimple\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\n866000\n\n2019-04-10\n\ntrue\n\ntrue\n\nTypicallyMotivated\n\n2016-08-16\n\n750000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nAlley\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nTopography\n\nNeutral\n\nFlat\n\nWithin 1/4 mile of I270\n\nOffsite\n\nBusyRoadway\n\nAdverse\n\nWithin 3 blocks of Valleyhoo Park\n\nOffsite\n\nPark\n\nBeneficial\n\n1765\n\n1\n\nPublic\n\nElectricity\n\nPublic\n\nGas\n\nPublic\n\nSanitarySewer\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\nMixed use residential allowable.\n\nCR Town\n\nLegal\n\ntrue\n\n6543 Anywhere Pl\n\nAnywhere\n\n20854\n\nMD\n\nBuiltIn\n\nGarage\n\n2\n\n0\n\nContractDate\n"}
diff --git a/chunks/json/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.json b/chunks/json/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba3f1a8705577b14fa1f74dd8c24a93abc398127
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+++ b/chunks/json/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4913,"char_start":3267,"chunk_id":"chk_f635a5933f390119","chunk_index":2,"chunk_sha256":"c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf"]},"text":"Estimated Age of Roof\n\n8.033\n\nEstimate of when the roof was last replaced.\n\nDisaster\nMitigation\n\nEnergy Efficient\nand Green\nFeatures\n\nDwelling\nExterior\n\nNoncontinuous Finished Area\n\n8.047-8.048\n\nCore Heating System Below Grade\n\n8.052\n\nManufactured\nHome\n\nManufactured Home Certifications\n\n9.018-9.019\n\nUnit Interior\n\nKitchen and Bathroom Details\n\n10.037-10.042\n\nCeiling Height(s) / Ceiling Style\n\n10.045\n\nIf there is an Accessory Dwelling Unit (ADU) on the\nproperty, a separate Unit Interior section is required,\nincluding separate area measurements 10.003-10.010\nand the ADU fields 10.011-10.016.\n\nGross Building Area\n\n12.006\n\nOutbuilding\n\nOutbuilding Area / Room Summary\n\n12.011-12.013\n\nAbove grade finished area that is attached to the dwelling but\nseparate and not directly accessible from any unit.\n\nYes/No (Whether the core mechanical unit that produces heat\n(e.g., furnace) is below grade.)\n\nThe financing program certification (Freddie Mac\nCHOICEHome, Fannie Mae MH Advantage) | Identification\nNumber | Photo of Certification Label\n\nRequired for each kitchen and bathroom in the unit: Update\nStatus | Time Frame | Condition Status\n\nCeiling Height(s) (Less than 7', 7', 8', 9', 10 or more feet, 2 or\nmore stories) | Ceiling Style\n\nLegally Rentable - Data Source | Typical for Market |\nIngress/Egress | Separate Postal Address\n\nTotal area of all floor levels in the outbuilding measured from\nthe exterior of the walls, excluding unenclosed areas, and\nincluding the following: Above and below grade area, whether\nfinished or unfinished, Vehicle storage area, ADU area\n\nFinished Total Area | Unfinished Total Area | Number of\nRooms - Room Type\n"}
diff --git a/chunks/json/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.json b/chunks/json/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.json
new file mode 100644
index 0000000000000000000000000000000000000000..1d8935528dbbef102930b6140e5e104c12145943
--- /dev/null
+++ b/chunks/json/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16447,"char_start":14814,"chunk_id":"chk_b3a202a18b329ab4","chunk_index":9,"chunk_sha256":"c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"This is where the Living Room photo would display.\n\nThis is where the Appliance Defect photo would display.\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nBathroom\n\nApparent Defects, Damages, Deficiencies - Cabinetry -\nKitchen\n\nThis is where the Bathroom Cabinet Defect photo would display.\n\nThis is where the Kitchen Cabinet Defect photo would display.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 29\n\nUnit Interior - Building 1 - Unit 1 (continued)\n\nApparent Defects, Damages, Deficiencies - Doors - Bathroom\n\nApparent Defects, Damages, Deficiencies - Walls and\nCeiling - Bathroom\n\nThis is where the Bathroom Door Defect photo would display.\n\nThis is where the Bathroom Wall Defect photo would display.\n\nDwelling Exterior - Building 2\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nUp to 1 foot\n1985\nSite Built\nNone\n\nThis is where the Dwelling 2 Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ5\n\nExterior Condition Rating\n\nC4\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nDetail\nEngineered Wood\n\nQuality Comment\nT-111 siding\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAdd comment if needed.\n\nMetal | Post and Pier\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nMetal\nEstimated Age:\n20 or more years\n"}
diff --git a/chunks/json/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.json b/chunks/json/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.json
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index 0000000000000000000000000000000000000000..e8505390a4b2dade37d447347ffcd6989acf19ca
--- /dev/null
+++ b/chunks/json/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2970,"char_start":1752,"chunk_id":"chk_4f27b190cd70f4d0","chunk_index":1,"chunk_sha256":"c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d00e720d55e7e2c7","text_sha256":"c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0","token_estimate":305,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-ucd-release-notes.pdf"]},"text":"Reminder: Edits with a severity of Warning-to-Fatal will not prevent a Successful UCD submission. The loan will still be able\nto be delivered through Loan Delivery. However, the edit will turn Fatal in the future (on the UCD mandate) and at that\ntime will result in an Unsuccessful submission status that will prevent the loan from being delivered.\n\nSeptember 29\n\nRemoval of Edits\n\nThe following edits will be removed as they are no longer required in UCD v2.0 Spec or UCD Phase 4: 3058, 3059, 3142, 3145\nand 3146.\n\nJune 30\n\nRemoval of Edits\n\nTo streamline the new edits that are being created to align with UCD v2.0, we will be removing the following Warning Edits\nthat are no longer applicable and/or duplicative: 2031, 3036, 3037, 3069, 3070, 3075, 3077, 3079, 3081, 3084, 3086, 3097,\n3102, 3106, 3111, 3132, 3149, 3150, 3155, 3156, 3164, 3165, 3527, 3528, 3591.\n\nJune 30\n\nUCD Test Environment\n\nThe UCD Test Environment will be updated with the UCD v2.0 Specification (UCD v2.0) and UCD Critical Edits Phase 3B\nPostponed and Phase 4 requirements. The test environment will return “fatal” edits and feedback messages to help you\nprepare for UCD v2.0 and the edit transitions.\n\n© 2025 Fannie Mae 11.13.25 Page 2 of 2\n"}
diff --git a/chunks/json/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.json b/chunks/json/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.json
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--- /dev/null
+++ b/chunks/json/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16988,"char_start":15215,"chunk_id":"chk_07eb52152cb9e3e8","chunk_index":8,"chunk_sha256":"c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b1e83178ca9325f1","text_sha256":"c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0","token_estimate":459,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Language_Access___FHFA_58oybw8.md"]},"text":"[Video: Introducing Mortgage Translations](/news/videos/introducing-mortgage-translations)*(10/15/2018)*\n\n[Mortgage Translations: A New Clearinghouse to Support Limited English Proficient (LEP) Borrowers](/sites/default/files/2023-03/mt_flyer_10152018.pdf)*(10/15/2018)*\n\n[Blog: Mortgage Translations Clearinghouse Aims to Assist Homebuyers in Their Language​](/blog/insights/mortgage-translations-clearinghouse-aims-to-assist-homebuyers-in-their-language)*(10/4/2018)*\n\n*[Language Access Multi-Year Plan](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (5/10/2018)*\n\n[News Release: Preferred Language Question to be Added to the Redesigned Uniform Residential Loan Application](/news/news-release/preferred-language-question-to-be-added-to-the-redesigned-uniform-residential-loan-application)*(10/20/2017)*\n\n[Comunicado de Prensa: Pregunta sobre el lenguaje de preferencia será añadida a la solicitud rediseñada del Préstamo Hipotecario Residencial Uniforme](/news/news-release/pregunta-sobre-el-lenguaje-de-preferencia-sera-anadida-a-la-solicitud-redisenada-del-prestamo)*(10/20/2017)*\n\n[Preferred Language Question for the Uniform Residential Loan Application](/sites/default/files/2023-03/preferred_language_question.pdf)**(*10/20/2017)*\n\n[*Preferred Language Consumer Testing Briefing*(September 2017 Testing) - Conducted by Kleimann Communication Group](/sites/default/files/documents/URLA-Presentation-Preferred-Language-Testing-CA-NY_October-2017.pdf) (*10/20/2017)*\n\n[FHFA Reopens and Extends Deadline to September 1 on RFI to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-reopens-and-extends-deadline-to-september-1-on-rfi-to-improve-access-to-credit-for-qualified) *(8/4/2017)*\n"}
diff --git a/chunks/json/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.json b/chunks/json/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.json
new file mode 100644
index 0000000000000000000000000000000000000000..489e09cb590133b512b55fe4a06250c4650882a9
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+++ b/chunks/json/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9562,"char_start":7099,"chunk_id":"chk_79f3b71fe47e98b6","chunk_index":4,"chunk_sha256":"c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_62f60d587da08a14","text_sha256":"c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde","token_estimate":614,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_Targeted_Mission_Activities___U_S__FEDERAL_by92zc.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# FHLBank Targeted Mission Activities\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - FHLBank Targeted Mission Activities\n\nThis report discusses the FHLBanks’ targeted mission activities to support low-income housing and community development. The FHLBanks support a range of these activities through various programs: the statutorily mandated Affordable Housing Program (AHP), the statutorily mandated Community Investment Program (CIP), the voluntary Community Investment Cash Advance Program (CICA), and additional FHLBank voluntary programs. Under these programs, the FHLBanks provide loans (referred to as advances) and grants to their members or housing associates, as applicable, which use these funds to assist very low- and low- or moderate-income households and communities. Additionally, all FHLBanks support low-income housing and community development through voluntary programs that the FHLBanks offer at their discretion. Each year, the FHLBanks adopt Targeted Community Lending Plans (TCLPs), in which they identify and assess significant affordable housing needs in their districts to be addressed through their AHPs and describe how they will address identified credit needs and market opportunities in their districts for targeted community lending.\n"}
diff --git a/chunks/json/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.json b/chunks/json/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.json
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index 0000000000000000000000000000000000000000..c540adb65e7c671a307e31f6833a860acc67e098
--- /dev/null
+++ b/chunks/json/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":208626,"char_start":207027,"chunk_id":"chk_340d448484fcc4e1","chunk_index":121,"chunk_sha256":"c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Rental Information (continued)\n\nComparable Rental Properties\n\nThis is where the\nDwelling Front photo\nwould display.\n\nThis is where the\nRental Comparable 1\nphoto would display.\n\nThis is where the\nRental Comparable 2\nphoto would display.\n\nThis is where the\nRental Comparable 3\nphoto would display.\n\nThis is where the\nRental Comparable 4\nphoto would display.\n\nSubject Property\n8675309 Jenny Ln\nAnytown, IL 54321\n\nComparable #1\n1522 Akyawentuo Ave\nAnytown, IL 54321\n\nComparable #2\n2345467 Golden Tail St\nAnytown, IL 54321\n\nComparable #3\n234912 Whitecrest Dr\nAnytown, IL 54321\n\nComparable #4\n123423 Stoneback Dr\nAnytown, IL 54321\n\nData Source:\nMLS 32495234\n\nData Source:\nMLS 23458202\n\nData Source:\nMLS 25394502\n\nData Source:\nMLS 12458450\n\nLease Start Date:\n03/2018\n\nLease Start Date:\n01/2018\n\nLease Start Date:\n12/2017\n\nLease Start Date:\n11/2017\n\nActual Rent:\n$3,500\n\nActual Rent:\n$3,600\n\nActual Rent:\n$3,350\n\nActual Rent:\n$3,200\n\nComparable Rental Analysis\n\nProximity to Subject\n\nSubject\n\n#1\n0.25 Miles NE\n\n#2\n\n#3\n\n#4\n\n0.2 Miles W\n\n1.5 Miles E\n\n1.7 Miles E\n\nComparables\n\nProject Name\n\nGrammy Gold Grammy Gold Grammy Gold\n\nSimilar\n\nSimilar\n\nPlatinum\nRecords\n\nInferior\n\nPlatinum\nRecords\n\nInferior\n\nClubhouse\n| Club\nMembership\n| Gated\nCommunity\n| Inground\nPool | Snow\nRemoval\n| Trash\nRemoval\n\nGolf Course |\nResidential\n\nProject Common\nAmenities/Services\n\nView from Unit\n\nSite Size\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSimilar\n\nSimilar\n\nInferior\n\nInferior\n\n13,939 Sq. Ft.\n\n13,400 Sq. Ft.\n\n14,230 Sq. Ft.\n\n13,800 Sq. Ft.\n\n12,989 Sq. Ft.\n\nC1\n\n3\n\n2 | 1\n\nC2\n\n3\n\n2 | 1\n\nC2\n\n4\n\n3 | 0\n"}
diff --git a/chunks/json/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.json b/chunks/json/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.json
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index 0000000000000000000000000000000000000000..d028c35a9a431aaa4f1f853aac8337d05baf9dea
--- /dev/null
+++ b/chunks/json/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":290604,"char_start":288853,"chunk_id":"chk_27e6455b7a3c7808","chunk_index":251,"chunk_sha256":"c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307","token_estimate":438,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n3900.0091\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf CAR_STORAGE\n\n3900.0092\n\nRELATIONSHIP\n\n@xlink:from\n\nDEFECT_n\n\n3900.0093\n\nRELATIONSHIP\n\n3200.0003\n\nCAR_STORAGE\n\n@xlink:to\n\n@xlink:to\n\nCAR_STORAGE_n\n\nCAR_STORAGE_n\n\n3900.0179\n\nDEFECT\n\n@xlink:label\n\nDEFECT_n\n\n<RELATIONSHIP xlink:arcrole = \"DEFECT ContainsDefectOf CAR_STORAGE\" xlink:from = \"DEFECT_1\" xlink:to = \"CAR_STORAGE_1\">\n</RELATIONSHIP>\n\nRefer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n14 Subject Property Amenities\n\nPage 220\n\nThe Subject Property Amenities section provides information about the amenities on the property, whether on the site or inside dwelling(s)\nor outbuilding(s). This section provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 221\n\nThe Subject Property Amenities section always displays in the report.\n\n-\n-\n\nIf PropertyAmenityExistsIndicator (UID: 0200.0015, FID: 14.000) = “false”, “None” displays for the section.\nIf PropertyAmenityExistsIndicator (UID: 0200.0015, FID: 14.000) = “true”, at least one Amenity Category (AmenityCategoryType) is\nrequired. (Figure 14 - 1)\n\n• Outdoor Accessories – (AmenityCategoryType (UID: 0200.0016, FID: 14.001)\n• Outdoor Living – (AmenityCategoryType (UID: 0200.0017, FID: 14.001)\n• Water Features – (AmenityCategoryType (UID: 0200.0027, FID: 14.001)\n• Whole Home – (AmenityCategoryType (UID: 0200.0034, FID: 14.001)\n• Miscellaneous – (AmenityCategoryType (UID: 0200.0041, FID: 14.001)\n"}
diff --git a/chunks/json/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.json b/chunks/json/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..70b5d17ccd5b449e6be49ae0f5aeb707407022a0
--- /dev/null
+++ b/chunks/json/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26937,"char_start":24960,"chunk_id":"chk_35fa7724a937a8ae","chunk_index":7,"chunk_sha256":"c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be724e97682c8adf","text_sha256":"c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9","token_estimate":561,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Servicing_Management_Default_Underwriter__SMDU_____wvpfq9.md"]},"text":"- Borrower requests MI termination based on the Original or Current Value of the property (with or without substantial improvements).\n - SMDU automatically provides data required for an evaluation.\n - SMDU applies a no-cost AVM to evaluate for Original Value. For Current Value or when an AVM can’t be used, servicer orders a BPO/appraisal.\n - When SMDU has the property value, it evaluates the loan and supplies a real-time decision.\n - Servicer retrieves invoice for completed valuation from Fannie Mae invoicing (when applicable).\n **Help & Training**\n [Borrower-Initiated Request for MI Termination Servicer User Guide](/applications-technology/servicing-management-default-underwriter-smdu/borrower-initiated-request-mi-termination-user-guide)\n [Borrower-Initiated MI Termination Requests Using SMDU FAQs](/media/document/pdf/borrower-initiated-mi-termination-requests-using-smdu-faqs)\n\n[]()Use your SMDU UI credentials to access the release notes.\n\n**Loss Mitigation/Loss Mitigation Valuations**\n\n- [SMDU Release V. 2025.10 | October 10, 2025](/media/document/pdf/smdu-release-v-202510-october-17-2025)\n- [SMDU Release V. 2025.9 | September 18, 2025](/media/document/pdf/smdu-release-v-20259-september-18-2025)\n- [SMDU Release V. 2025.8 | August 22, 2025](/media/document/pdf/smdu-release-v-20258-august-22-2025)\n- [SMDU Release V. 2025.7 | July 18, 2025](/media/document/pdf/smdu-release-v-20257-july-18-2025)\n- [SMDU Release V. 2025.6 | June 20, 2025](/media/document/pdf/smdu-release-v-20256-june-20-2025)\n- [SMDU Release V. 2025.5 | May 16, 2025](/media/document/pdf/smdu-release-v-20255-may-16-2025)\n- [SMDU Release V. 2025.4 | April 18, 2025](/media/document/pdf/smdu-release-v-20254-april-18-2025)\n- [SMDU Release V. 2025.3 | March 21, 2025](/media/document/pdf/smdu-release-v-20253-march-21-2025)\n[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes])\n"}
diff --git a/chunks/json/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.json b/chunks/json/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.json
new file mode 100644
index 0000000000000000000000000000000000000000..b8d2e3b4e529b68cea83191022ebec0595f503ad
--- /dev/null
+++ b/chunks/json/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25710,"char_start":24123,"chunk_id":"chk_a75a0f9b050d9764","chunk_index":15,"chunk_sha256":"c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"19\n\nquality Frequency Percent\n\ncondition Frequency Percent\n\ngross_living_area Frequency Percent\n\nUAD PUF Version 2.1 Data Dictionary\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n1711\n\n0.12\n\n34558\n\n2.33\n\n572901\n\n38.66\n\n857460\n\n57.86\n\n15206\n\n1.03\n\n32\n\n0.00\n\n1\n\n2\n\n3\n\n4\n\n5\n\n9\n\n148718\n\n10.04\n\n130287\n\n8.79\n\n902566\n\n60.91\n\n299517\n\n20.21\n\n756\n\n0.05\n\n24\n\n0.00\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\n9\n\n153608\n\n10.37\n\n167775\n\n11.32\n\n201926\n\n13.63\n\n196365\n\n13.25\n\n170312\n\n11.49\n\n140674\n\n9.49\n\n198665\n\n13.41\n\n252453\n\n17.04\n\n90\n\n0.01\n\ndts_rural Frequency Percent\n\n1\n\n2\n\n9\n\n265299\n\n17.90\n\n1195247\n\n80.66\n\n21322\n\n1.44\n\nbedrooms Frequency Percent\n\n1\n\n2\n\n3\n\n9\n\n147085\n\n9.93\n\n707104\n\n47.72\n\n627663\n\n42.36\n\n16\n\n0.00\n\nupdated_last_15_years Frequency Percent\n\n1\n\n2\n\n9\n\n797556\n\n53.82\n\n684008\n\n46.16\n\n304\n\n0.02\n\nbathrooms Frequency Percent\n\n1\n\n2\n\n3\n\n4\n\n9\n\n131941\n\n8.90\n\n596407\n\n40.25\n\n533497\n\n36.00\n\n220002\n\n14.85\n\n21\n\n0.00\n\nFederal Housing Finance Agency\n\n20\n\nFrequency Distribution and Summary Statistics for FHA UAD PUF\n\nUAD PUF Version 2.1 Data Dictionary\n\nN\n\nMean\n\nMedian\n\nMin\n\nMax\n\nP1\n\nP5\n\nP10\n\nP25\n\nP50\n\nP75\n\nP90\n\nP95\n\nP99\n\ncontract_price\n\n209,649 243,068 225,000\n\n5,000 1,555,000 65,000 95,000 115,000 165,000 225,000 305,000 385,000 455,000 625,000\n\nappraised_value\n\n259,265 254,919 235,000\n\n5,000 1,705,000 65,000 105,000 125,000 165,000 235,000 315,000 415,000 485,000 665,000\n\nsales_range_high\n\n234,744 316,551 275,000\n\n5,000 1,705,000 85,000 125,000 145,000 195,000 275,000 385,000 525,000 655,000 835,000\n\nsales_range_low\n\n234,312 222,895 205,000\n\n5,000 1,705,000 35,000 75,000 95,000 145,000 205,000 285,000 375,000 445,000 615,000\n"}
diff --git a/chunks/json/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.json b/chunks/json/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.json
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index 0000000000000000000000000000000000000000..19f1689a5304c71901109d0eb9045adeabe6d3e9
--- /dev/null
+++ b/chunks/json/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":169714,"char_start":167891,"chunk_id":"chk_9dae12534eb86296","chunk_index":93,"chunk_sha256":"c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50","token_estimate":456,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"5.1.4\n\n5.3.4\n\n5.4.4\n\n5.5.7\n5.5.8\n\na. Principal & Interest\n\nThe first row of the “Projected Payments” table shows whether and how the regularly scheduled P&I payment amount\nchanges over the life of the loan. The payment structure for the loan dictates the payment amount range(s). The initial\nperiodic payment or payment amount range appears in the first PROJECTED_PAYMENT container (SequenceNumber = “1”).\nSequenceNumber specifies the order of the columns, starting with “1” for the first column on the left and incrementing to\n“4” if necessary to capture all the required business data. The number of PROJECTED_PAYMENT containers used will equal\nthe number of columns used in the table.\n\nThe data point ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount is always required and is the only\npayment data point needed unless there is a range (the first period in the example in Figure 51). In the case of a payment\namount range as illustrated in the second column, ProjectedPaymentPrincipalAndInterestMinimumPaymentAmount must\nalso be provided.\n\nb. Mortgage Insurance Amounts\n\nThe second row of the “Projected Payments” table is the maximum amount the borrower could pay for mortgage\n\ninsurance premiums for the PROJECTED_PAYMENT period as provided in ProjectedPaymentMIPaymentAmount.\n\nThe value of data point LOAN_DETAIL/MIRequiredIndicator (see Chapter R. Loan Feature Data) is used to indicate whether\nthe value of ProjectedPaymentMIPaymentAmount should be greater than or equal to “0”. If the loan never had mortgage\ninstance of\ninsurance and MIRequiredIndicator = “false”, ProjectedPaymentMIPaymentAmount = “0”\nPROJECTED_PAYMENT. Otherwise, the amount of the payment that is applied toward mortgage insurance during the\nprojected payment period must be provided in at least the first instance of PROEJCTED_PAYMENT.\n"}
diff --git a/chunks/json/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.json b/chunks/json/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.json
new file mode 100644
index 0000000000000000000000000000000000000000..7bc50a1579f01664c58015804c41d522fcf5d80d
--- /dev/null
+++ b/chunks/json/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4828,"char_start":4365,"chunk_id":"chk_f3e80e672029e4c5","chunk_index":6,"chunk_sha256":"c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"01 Subject Property ....................................................................................................................................................................................................... 12\n\nOverview ................................................................................................................................................................................................................................... 12\n"}
diff --git a/chunks/json/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.json b/chunks/json/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.json
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index 0000000000000000000000000000000000000000..8b5b895acf602fdc8f47656aec7a2ae9d554d3dd
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+++ b/chunks/json/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.json
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+{"chunk":{"char_end":8703,"char_start":7062,"chunk_id":"chk_7e5b0abff70c886e","chunk_index":4,"chunk_sha256":"c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1ab6b983690007f8","text_sha256":"c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Policy___FHFA_wh72h5.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Policy\n\nSupervisory and regulatory activities to ensure the safety and soundness of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Bank System to promote a stable and accessible U.S. housing finance system.\n\n- ## Advisory Bulletins\n\nPublications containing important information, directives, or recommendations related to various aspects of housing finance.\n"}
diff --git a/chunks/json/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.json b/chunks/json/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.json
new file mode 100644
index 0000000000000000000000000000000000000000..ebd114ce50ec2c62678280a3790fbc0926cb0780
--- /dev/null
+++ b/chunks/json/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28570,"char_start":26857,"chunk_id":"chk_bd78c8c145385186","chunk_index":16,"chunk_sha256":"c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7","token_estimate":428,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Pro Rata Share Calculation\nMethod\n\nMarket Value Condition\n\nSales Comparison Approach\n$595,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$585,000\n$548,999 (Cooperative Interest)\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30–60 days\n08/28/2019\n\nMaximum\nAs Is\n\nThe market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the\nblanket mortgage(s).\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 16 of 18\nPage 16 of 18\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"}
diff --git a/chunks/json/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.json b/chunks/json/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.json
new file mode 100644
index 0000000000000000000000000000000000000000..25e7ac61d28b34e50ffa7ae95d58470cf4c15d0e
--- /dev/null
+++ b/chunks/json/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3268,"char_start":3216,"chunk_id":"chk_789bfa2844c9a8fc","chunk_index":2,"chunk_sha256":"c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_06e93c91bdb5a95e","text_sha256":"c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3","token_estimate":13,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-0.pdf","below_target_min_tokens"]},"text":"© 2018 Fannie Mae. Trademarks of Fannie Mae. 2 of 2\n"}
diff --git a/chunks/json/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.json b/chunks/json/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.json
new file mode 100644
index 0000000000000000000000000000000000000000..a05b9bb2b16ccbd7e84f9bb7836088f958eafdd6
--- /dev/null
+++ b/chunks/json/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1043414,"char_start":1041737,"chunk_id":"chk_5c445ff4a35b1bce","chunk_index":621,"chunk_sha256":"c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd","token_estimate":420,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand\nSupplyType='OverSupply']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical\nMarketingTimeDurationType='UnderThreeMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical\nMarketingTimeDurationType='ThreeToSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical\nMarketingTimeDurationType='OverSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_LowPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_HighPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_PredominantPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_NewestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_OldestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING\n[@_Type='SingleFamily']/@_PredominantAgeYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT\n_LAND_USE[@_Type='SingleFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT\n_LAND_USE[@_Type='TwoToFourFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT\n_LAND_USE[@_Type='Apartment']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT\n_LAND_USE[@_Type='Commercial']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT\n_LAND_USE[@_Type='Other']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBO\nRHOOD_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIG\nHBORHOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription\n"}
diff --git a/chunks/json/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.json b/chunks/json/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.json
new file mode 100644
index 0000000000000000000000000000000000000000..49bf44091e3986baa5eebd1bbe6e246d73b28364
--- /dev/null
+++ b/chunks/json/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":102672,"char_start":101020,"chunk_id":"chk_ffa9fa657043ea14","chunk_index":106,"chunk_sha256":"c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea","token_estimate":413,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"• Cells in first column (“Lien Detail”) set as TB: “Unpaid Principal Balance,” “Line of Credit,”\n\n“Balloon Mortgage,” “Remaining Term,” “Monthly Payment,” “Interest Rate,” “Amortization\nType,” “Pro Rata Share of Balance Attributable to Unit”\n\n• Content sets as TB.\n\nPROJECT BLANKET FINANCING TABLE\n\nProject Factors and Impact to Value/Marketability (H1)\n\n• Set 4 column table x 45 picas, headings: (TCH) “Project Factor,” “Detail,” “Impact,” “Comment”.\n\n• Columns 1 and 2:\n\n11 picas 3 points wide (~42 characters per line in each cell.)\n\n• Column 3:\n\n• Column 4:\n\n5 picas wide (~20 characters per line).\n\n17 picas 6 points wide (~70 characters per line).\n\n• Cells in first column set as TB: “Developer/Sponsor in Control,” “Incomplete Project,” “Converted\nin Past 3 Years,” “Single Entity Ownership of Multiple Units,” “Single Entity Ownership of Multiple\nShares,” “Commercial Space,” “Known Legal Actions,” “Unit Transfer Fees,” “Unit Special\nAssessments,” “Unit Tax Abatements or Exemptions” if applicable per iGuide.\n\n• Content sets as TB.\n\nPROJECT FACTORS AND IMPACT TO VALUE/MARKETABILITY TABLE\n\nAppendix E: Report Style Guide\n\nPage 56 of 90\n\nVersion 1.4\n\nFull page width\n\n•\n\n“Project Factors Commentary” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45 picas.\n\nProject Information Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nProject Information Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Subject Listing Information” sets as TAB.\n\nOn tab rule set “Current and/or relevant listings of the subject property (minimum 1 year look back)” TAB-TX in 9-\npoint Myriad Pro Italic on 12 pica 4 points indent.\n"}
diff --git a/chunks/json/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.json b/chunks/json/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.json
new file mode 100644
index 0000000000000000000000000000000000000000..879e3c1a639031c579ecba3024843679aefc25f7
--- /dev/null
+++ b/chunks/json/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8387,"char_start":6789,"chunk_id":"chk_3b1423c956b66279","chunk_index":4,"chunk_sha256":"c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Description of Zoning Compliance According to Hawaii\nPlanning and Zoning Office, the subject can be rebuilt if destroyed.\nNonconforming to zoning due to smaller lot size than currently\nallowed.\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nCollector Street | Asphalt\nYes\n\nDescription of Property Access Subject fronts onto a collector\nstreet.\n\nCheck #A\n\nSite Influence\n\nInfluence\nBusy Roadway\n\nProximity\nBordering\n\nDetail\n\nImpact\nAdverse\n\nComment\nSite fronts to a collector\nstreet through the\ncommunity, which has higher\ndensity traffic impacting\nsubject’s marketability.\n\nSite Influence Commentary Additional commentary can be added here, if needed by Appraiser.\n\nView and Impact to Value/Marketability\n\nView\nResidential\n\nRange of View\nFull\n\nImpact\nNeutral\n\nView Commentary Additional commentary can be added here, if needed by Appraiser.\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nUSGS Lava Flow Zone 2\n\nImpact\nAdverse\n\nComment\nThere is volcanic activity in the Puna District on the\nsoutheast portion of the island of Hawaii.\n\nSite Features Commentary Additional commentary can be added here, if needed by Appraiser.\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nElectricity\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\n\n\nCesspool\n\nNeutral\n\nCesspools are typical in this jurisdiction.\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Commentary\n"}
diff --git a/chunks/json/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.json b/chunks/json/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.json
new file mode 100644
index 0000000000000000000000000000000000000000..461c7f16afb2b3321d9ca587068240b954e82b21
--- /dev/null
+++ b/chunks/json/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":51400,"char_start":49794,"chunk_id":"chk_8643cde9fd038526","chunk_index":27,"chunk_sha256":"c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"72 12 CFR 1003.4(a)(2). ‘‘Conventional’’ is the\nvalue used by HMDA and the PUDB to indicate a\nloan that is not insured or guaranteed by one of the\nlisted federal agencies. See CFPB, 2018 Reportable\nHMDA Data: A Regulatory and Reporting Overview\nReference Chart at 3, https://\nfiles.consumerfinance.gov/f/documents/201710_\ncfpb_reportable-hmda-data_regulatory-and-\nreporting-overview-reference-chart.pdf (Aug. 31,\n2018).\n\n73 84 FR at 656.\n74 12 CFR 1003.4(a)(9)(ii).\n75 84 FR at 656.\n76 12 CFR 1003.4(a)(10)(iii).\n77 84 FR at 659.\n78 12 CFR 1003.4(a)(11).\n79 For all Type of Purchaser reporting codes, see\n\n2018 CFPB, 2018 Reportable HMDA Data: A\nRegulatory and Reporting Overview Reference Chart\nat 19, https://files.consumerfinance.gov/f/\ndocuments/201710_cfpb_reportable-hmda-data_\nregulatory-and-reporting-overview-reference-\nchart.pdf (Aug. 31, 2018). The CFPB’s 2015\nmodifications to Type of Purchaser are not relevant\nto the Enterprise data. 80 FR at 66197.\n\nMae and Freddie Mac. For the PUDB,\nthe other Type of Purchaser values are\nnot relevant because, by definition, all\nPUDB loans were purchased by the\nEnterprises.80 The Enterprise Flag will\ncontinue to be disclosed in all Single-\nFamily PUDB Files, including the\nCensus Tract File, without modification.\nHOEPA Status: HOEPA Status is an\n\nunchanged HMDA data element that\nindicates whether the loan is a HOEPA\nloan.81 HOEPA Status is disclosed in the\ncurrent PUDB Single-Family Census\nTract File without modification, in\nconformance with the CFPB Privacy\nGuidance.82 HOEPA Status will\ncontinue to be disclosed in this File\nwithout modification.\n"}
diff --git a/chunks/json/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.json b/chunks/json/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.json
new file mode 100644
index 0000000000000000000000000000000000000000..ed2318cf6a7904f3eae7d69a2d722ab459d26a70
--- /dev/null
+++ b/chunks/json/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":245780,"char_start":244167,"chunk_id":"chk_f7d154a081a0f527","chunk_index":143,"chunk_sha256":"c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"317\n\n2\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(ViewType)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Site\nArea']/@_Amount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_VIEW_OVERALL_RATIN\nG_EXTENSION/COMPARISON_VIEW_OVE\nRALL_RATING_EXTENSION_SECTION[@E\nxtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_VIEW_OVERAL\nL_RATING_EXTENSION_SECTION_DATA/\nCOMPARISON_VIEW_OVERALL_RATING/\n@GSEViewOverallRatingType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_VIEW_DETAIL_EXTENSI\nON/COMPARISON_VIEW_DETAIL_EXTEN\nSION_SECTION[@ExtensionSectionOrganizati\nonName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_\nEXTENSION_SECTION_DATA/COMPARIS\nON_VIEW_DETAIL[@_SequenceIdentifier='1..\n2']/@GSEViewType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-63 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-65, 2-67, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nCR\n\nCR\n\n10\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n"}
diff --git a/chunks/json/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.json b/chunks/json/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.json
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index 0000000000000000000000000000000000000000..283ef3ac6cfd4d6a320962e9750f77c8e1518d5d
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+++ b/chunks/json/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":266851,"char_start":264721,"chunk_id":"chk_91fed082d3ce22ed","chunk_index":148,"chunk_sha256":"c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c","token_estimate":533,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\nSB4-1.3-10, Cost and Income Approaches to Value (06/04/2025)\n\nIntroduction\n\nThis topic contains information on reviewing the cost approach and the income approach, including:\n\n• Cost Approach to Value\n•\n\nIncome Approach to Value\n\nCost Approach to Value\n\nFannie Mae does not require the cost approach to value except for the valuation of manufactured homes. However, USPAP\nrequires the appraiser to develop and report the result of any approach to value that is necessary for credible assignment results.\nFor example, when appraising proposed or newly constructed properties, if the appraiser believes the cost approach is necessary\nfor credible assignment results, then the cost approach must be developed and the results reported in the URAR. Appraisals that\nrely solely on the cost approach as an indicator of market value are not acceptable.\n\nThe cost approach to value assumes that a potential purchaser will consider building a substitute residence that has the same use\nas the property being appraised. This approach, then, measures value as a cost of production. It may be appropriate to use the\ncost approach when appraising new or proposed construction, property that is undergoing renovation, unique property, or\nproperty that features functional depreciation, to support the sales comparison approach analysis. The reliability of the cost\napproach depends on valid reproduction cost estimates, proper depreciation estimates, and accurate site values.\n\nThe appraiser must disclose the method(s) and source(s) used to form an opinion of site value. In instances where land\ncomparables are used, the appraiser must also provide details on the land sales including access, utilities, zoning, views, or site\ninfluences of the land comparables in relation to the subject’s site. Any value attributed to developing the raw land into a\nbuildable site should be accounted for in the appraiser’s opinion of site value. Similar to the sales used in the sales comparison\napproach, time adjustments may be needed to establish a current market value for the land sale as of the effective date of the\nappraisal report.\n"}
diff --git a/chunks/json/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.json b/chunks/json/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.json
new file mode 100644
index 0000000000000000000000000000000000000000..1e53c533d9f6fae6f4c2743a09b10c327cccbade
--- /dev/null
+++ b/chunks/json/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":835408,"char_start":833630,"chunk_id":"chk_a94bf73cf074f5e1","chunk_index":496,"chunk_sha256":"c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969","token_estimate":445,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the porch. If no porch indicate 'None'.\n\nA value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is not\nchecked.\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the other amenities. If there are no other\namenities indicate 'None'.\n\nA value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was not\nchecked.\n\nA value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was not\nchecked.\n\nBoolean\n\nA value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was not\nchecked.\n\nThis field should be populated if the value\nindicated in field 2-63 (Amenity Detailed\nDescription) is not equal to 'None'.\n\nThis field should be populated if the value\nindicated in field 2-65 is not equal to 'None'.\n\nThis field should have a value of 'Y' if the\nvalue indicated in field 2-67 (Amenity Type\nOther Description) is not equal to 'None'.\n\nIf field 2-74 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 2-75, 2-\n76, 2-77 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field\n2-74 is not indicated, then at least one of\nfields 2-75, 2-76, 2-77 should be indicated.\n"}
diff --git a/chunks/json/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.json b/chunks/json/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.json
new file mode 100644
index 0000000000000000000000000000000000000000..716b99290ac45915c69d149f5563819e1f9d1887
--- /dev/null
+++ b/chunks/json/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":539040,"char_start":537339,"chunk_id":"chk_2093ccfee2e484b4","chunk_index":306,"chunk_sha256":"c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Stands for any integer in the Appendix I excerpts provided throughout the document\n\nPrincipal and Interest\n\nThe data presented in Green Text on Closing Disclosure For examples and within the body\nof the text. This is the delivered information documenting a unique closing transaction.\nAlso referred to as a Form Field Value or disclosed data.\n\nQualified Mortgage, part of Regulation Z. A mortgage falling into a category of loans that\nhave certain, more stable features that help make it more likely that the borrower is able\nto afford the loan. A Qualified Mortgage loan is one where the lender met certain\nrequirements and is assumed to have followed the ability-to-repay rule.\n\nIntegrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act\n(Regulation X) and the Truth In Lending Act (Regulation Z) issued by the Consumer\nFinancial Protection Bureau published in Vol. 78, No. 251 of the Federal Register on\nTuesday, December 31, 2013.\n\nRegulation Z implements the Truth in Lending Act (TILA), which prohibits a creditor from\nmaking a higher-priced mortgage loan without regard to the consumer’s ability to repay\nthe loan, and Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and\nConsumer Protection Act (Dodd-Frank Act), which generally require creditors to make a\nreasonable, good faith determination of a consumer’s ability to repay any consumer\ncredit transaction secured by a dwelling and establishes certain protections from liability\nunder this requirement for “qualified mortgages.”\n\nReal Estate Settlement Procedures Act (Regulation X)\n\nRepresented on form. Term used in Appendix I excerpts to indicate that the XML value\nand the form field entry differ.\n"}
diff --git a/chunks/json/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.json b/chunks/json/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.json
new file mode 100644
index 0000000000000000000000000000000000000000..75ff9d8f63b6da44427accd3966da2702933c075
--- /dev/null
+++ b/chunks/json/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22334,"char_start":20679,"chunk_id":"chk_6db8d4dc5787dec1","chunk_index":5,"chunk_sha256":"c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"#### Lender Preparedness Webinar Recording\n\n[]() ×\n\n> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*\n\n![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail)\n\n![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png)\n\n## []()Announcements\n\n###\n\nAvailable Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026\n\nThe Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®).\n\nSubmission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6.\n\nTo learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative.\n\nUAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025\n"}
diff --git a/chunks/json/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.json b/chunks/json/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.json
new file mode 100644
index 0000000000000000000000000000000000000000..97f27a6271771b6af70eba0891b12575609a5d85
--- /dev/null
+++ b/chunks/json/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8561,"char_start":7067,"chunk_id":"chk_d629d8f237613521","chunk_index":4,"chunk_sha256":"c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![Lincoln memorial with the Washington Monument appearing between the pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-5.jpg.webp?itok=W6yiIudy)\n\n# Speeches\n\nDirector speeches that offer valuable insights from FHFA leadership.\n\n## Breadcrumb\n\n- [Home](/)\n - [News](/news)\n - Speeches\n"}
diff --git a/chunks/json/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.json b/chunks/json/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.json
new file mode 100644
index 0000000000000000000000000000000000000000..8ff8168cc0173b0b18f4ae5b32f08e977f8c1b2c
--- /dev/null
+++ b/chunks/json/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":305359,"char_start":303747,"chunk_id":"chk_c25d26b4b1fdbc88","chunk_index":164,"chunk_sha256":"c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"c.\n\nInclude the RegulationZ Point AndFee Indicator with every charge in support of ATR/QM.\n\n2.\n\nIdentify service provider company\n\na.\n\nIn support of ATR/QM, categorize the payee to identify Broker or Lender affiliates\n\n3. Determine if the payment was broken out across multiple payors or was paid at different times relative\nto closing. If paid by one payor at one time, disclose the full amount of the charge in the appropriate\ncolumn.\n\n4.\n\nIf the payment was broken out, disclose all payors, their portion of the charge, and at what time they\npaid it relative to closing.\n\na.\n\nIf the charge was paid by a third party, no timing information is needed. (7.7.6)\n\nb. If the third-party payor is the lender, precede the amount paid by the indicator “(L)” (7.7.6)\n\nThe data points used to provide this information are shown in the table below and are repeated as needed to\nprovide each line item.\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 100. Other Line Items\n\nFirst Instance of FEE\n\nUID\n8.180\n\n8.17\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not Shown –\n\nATR/QM\n\nHOA Special\nAssessment\n\nFeeType\n\nHomeownersAssoci\nationSpecialAssess\nment\n\nROF as “HOA\nSpecial\nAssessment”\n\n8.17 N/A-XML\n\n8.17 N/A\n\nN/A - GSE\n\nUID\n8.186\n\n@gse:DisplayLabelT\next\n\nHOA Special\nAssessment\n\nIntegratedDisclosur\neSectionType\n\nOtherCosts\n\nOptionalCostIndicat\nor\n\nfalse\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nNot shown unless =\n“true”\n\nNot Shown –\nATR/QM\n\nAppendix E: UCD Implementation Guide\n\nPage 139 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n"}
diff --git a/chunks/json/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.json b/chunks/json/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.json
new file mode 100644
index 0000000000000000000000000000000000000000..d6bc2e5f485d1ef50b8460b244ef492c2005ea20
--- /dev/null
+++ b/chunks/json/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":89567,"char_start":86927,"chunk_id":"chk_7acbdeae548144e8","chunk_index":84,"chunk_sha256":"c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf","token_estimate":660,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.041\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n29.042\n\n21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]\nprovided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to\nperform the assistance.\n\n29.043\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\n29.044\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n29.045\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n29.046\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"}
diff --git a/chunks/json/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.json b/chunks/json/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.json
new file mode 100644
index 0000000000000000000000000000000000000000..70f0356c0aeaba1b8c1c9a38a485cb90d7fbd1d2
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+++ b/chunks/json/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.json
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+{"chunk":{"char_end":16887,"char_start":15628,"chunk_id":"chk_c2fb2d826a873acf","chunk_index":7,"chunk_sha256":"c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_3b7f88a3424740b5","text_sha256":"c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d","token_estimate":457,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Foreclosure_Prevention__Refinance__and_FPM_Report__f3nmdo.md"]},"text":"- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [Next](?page=1)\n - [Last](?page=3)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac.json b/chunks/json/c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5c5a5550ba9d7ab32c2dd4ef1ac79761f643220
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+{"chunk":{"char_end":38962,"char_start":37365,"chunk_id":"chk_71e27521b3c37bcd","chunk_index":23,"chunk_sha256":"c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac","token_estimate":400,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TB\n\nSummary\n\nTB-SCA_H2\n\nTB-B\n\nRent Per Finished Area\n\nTB-B\n\nTCH\n\nTCH\nTB\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nComparable Weight\n\nProximity to Subject\n\nNeighborhood Name\n\nProject Name\n\nProject Common\nAmenities/Services\n\nSite Influence\n\nView from Unit\n\nFloor Number\n\nSite Size\n\nGrade Level\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nVehicle Storage | Spaces\n\nTB\n\nSummary\n\nTB-SCA_H2\n\nTB-B\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nTB-B\n\nComparable Weight\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nH1\nTXC\n\nH1\n\nRental Analysis Commentary\n\nRental Information Exhibits\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nCAP\n\nComparable #\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nIncome Approach\n\nH1\n\nGross Rent Multiplier Comparables\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTCH\nTB\n\nProperty Address\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nTB\n\nData Source\n\nProximity to Subject\n\nUnits Excluding ADUs\n\nAccessory Dwelling Units\n\nGross Building Finished Area\n\nRent Control\n"}
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diff --git a/chunks/json/c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8.json b/chunks/json/c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8.json
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+{"chunk":{"char_end":194791,"char_start":193180,"chunk_id":"chk_0955714ad6138078","chunk_index":113,"chunk_sha256":"c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Date\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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\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\n23454 Sue Rd\nAnytown, IL 54321\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the\nComparable 1 photo\nwould display.\n"}
diff --git a/chunks/json/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.json b/chunks/json/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.json
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+++ b/chunks/json/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21265,"char_start":19663,"chunk_id":"chk_29e22cfb032d0708","chunk_index":12,"chunk_sha256":"c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"TAB\n\nVehicle Storage\n\nStorage\n\nTCH\nTB\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nNumber of Parking Spaces\n\nDetail\n\nH1\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nTXC-I\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nVehicle Storage Commentary\n\nTCH\nTB\n\nH1\nTXC\n\nH1\n\nVehicle Storage Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nSubject Property Amenities\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nAmenity Category\n\nSubject Property Amenity\n\nMaterial\n\nDetail\n\nTCH\n\nTB\n\nH1\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nTXC-I\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nSubject Property Amenities Commentary\n\nTCH\n\nTB\n\nH1\nTXC\n\nH1\n\nSubject Property Amenities Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTAB\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality - [Structure Identifier]\nInterior Quality - [Unit Identifier]\n\nReconciliation of Overall Quality and Condition\n\nTXR-B\nTXR-I\nTXR-I\n\nH1\nTXC\n\n2 COLUMN PAGE FORMAT\n"}
diff --git a/chunks/json/c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5.json b/chunks/json/c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5.json
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+{"chunk":{"char_end":28688,"char_start":27057,"chunk_id":"chk_5fc8aff1f3f4dc6b","chunk_index":16,"chunk_sha256":"c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5","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":"Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 20\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Comparable Map photo would display.\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 16 of 20\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 4 photo would display.\n\nCost Approach\n\nIndicated Value by Cost Approach\n\nDepreciated Cost of Dwellings\nAs Is Value of Site Improvements\nOpinion of Site Value\n\n$271,410\n\n$201,410\n$31,500\n$38,500\n\nDepreciated Cost - Dwelling\n\nAbove Grade Finished Area\n\nAttached Garage\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n\n1,568 Sq. Ft. @ $121.25\n\n400 Sq. Ft. @ $50.00\n\n$190,120\n\n$20,000\n\n$(17,710)\n\n$9,000\n\nTotal\n\n$201,410\n\nRemaining Economic Life\nEffective Age\n\n45 years\n1-5 years\n\nCommentary on Effective Age The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is\nestimated at 1–5 years.\n\nAs Is Value of Site Improvements\n\nDescription\nUtility Connections, Driveway, Patio, and Porch\n\nAmount\n\n$31,500\n\n$31,500\n\nTotal\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.json b/chunks/json/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.json
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+++ b/chunks/json/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.json
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+{"chunk":{"char_end":23030,"char_start":21180,"chunk_id":"chk_f53308789224b645","chunk_index":13,"chunk_sha256":"c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1","token_estimate":462,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"Freddie Mac Form 70H July 2020\n\n226\n\nPage 4 of 6\n\nFannie Mae Form 1004 Hybrid July 2020\n\n2\n\nUniform Residential Appraisal Report (Hybrid)\n\nFile # 3\n\n4 4a\n\nAPPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:\n\n1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this\nappraisal report.\n\n2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the\ncondition of the improvements in factual, specific terms, relying on subject property information from the property data report. I\nreported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property.\n\n3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal\nPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in\nplace at the time this appraisal report was prepared.\n\n4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales\ncomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for\nthis appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them,\nunless otherwise indicated in this report.\n\n5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale\nof the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject\nproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.\n"}
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+++ b/chunks/json/c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a.json
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+{"chunk":{"char_end":585780,"char_start":584096,"chunk_id":"chk_696c7003272f0f66","chunk_index":337,"chunk_sha256":"c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 4 of 19\nPage 4 of 19\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nSketch does not represent actual dimensions of pictures, used for example only. A Sketch\nadherent to the ANSI standard must be measured to the nearest inch or tenth of a foot.\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nRanch\nGround Level\n2018\nSite Built\nNone\n\nThis is where the Dwelling Front 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\nPage 5 of 19\nPage 5 of 19\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nQuality Comment\n\nDetail\nBrick | Wood\n\nPoured Concrete | Slab\n\nAsphalt\nEstimated Age: 1-10 years\n\nVinyl thermal pane - double\nhung\n\nStandard grade\nmaterials used\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nNew or Like New\n\nTypical Wear and Tear\n\nCondition Comment\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n"}
diff --git a/chunks/json/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.json b/chunks/json/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.json
new file mode 100644
index 0000000000000000000000000000000000000000..df254195bc4e7a9f7256173124fd926cccc270d5
--- /dev/null
+++ b/chunks/json/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1731,"char_start":0,"chunk_id":"chk_1734085e32297f05","chunk_index":0,"chunk_sha256":"c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c6131bc70b020e50","text_sha256":"c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-1.pdf"]},"text":"Loan Servicing Data Utility (LSDU) 2.1 Release Notes\n\nFebruary 20, 2019\n\nEffective February 20, 2019, the LSDU 2.1 release will be implemented to support new\nfunctions. This release contains functional and technical system enhancements, and will\nremediate defects associated with previous releases. The changes include:\n\n Enhancement to provide a download of P&I details for cash position search results\n Enhancement to provide messaging about downtime and in-cycle issues via a banner\n Enhancement to provide additional data in the Delinquency Modification tab\n Defect Remediation\n\nEnhancement to provide a download of P&I details for cash position search results\n\nLSDU functionality is being updated to enable Servicers the ability to download the current\nmonth P&I details for cash position search results. The details provided will contain one row for\neach loan that accounted for the Total P&I Transaction Applied Amount shown in the summary.\nPlease refer to the User Guide for more information on how to download the details.\n\nEnhancement to provide messaging about downtime and in-cycle issues via a banner\n\nLSDU functionality is being updated to enable a banner that will provide customers details about\nany maintenance or other messaging important to the customer.\n\nEnahncement to provide additional data in the Delinquency Modification tab\n\nLSDU functionality is being updated to add new attributes to Delinquency Modification tab of the\ndata details screen for a single loan. The following attributes have been added:\n\n Mod Total Capitalized Amount\n Mod Interest Capitalized Amount\n Mod Borrower Contribution Amount\n Mod Advances Capitalized Amount\n Mod Case ID\n Mod Program Type\n Mod Ending Excess Yield Rate\n"}
diff --git a/chunks/json/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.json b/chunks/json/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.json
new file mode 100644
index 0000000000000000000000000000000000000000..42d328bbe9107c734d5a520b8f9da354c0d8aa48
--- /dev/null
+++ b/chunks/json/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11955,"char_start":10503,"chunk_id":"chk_9505b9caa049d990","chunk_index":6,"chunk_sha256":"c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a6c2e782647dd4dd","text_sha256":"c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48","token_estimate":474,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac___FHFA_q1tdy.md"]},"text":"Read our [Annual Report to Congress](/reports/annual-report-to-congress).\n\n[Fannie Mae and Freddie Mac Capital Requirements](/supervision/fannie-mae-and-freddie-mac/capital-requirements)\n\n[Miscellaneous Pre-2008 Guidance](/supervision/fannie-mae-and-freddie-mac/miscellaneous-pre-2008-guidance)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"}
diff --git a/chunks/json/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.json b/chunks/json/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.json
new file mode 100644
index 0000000000000000000000000000000000000000..aee155abdaca0b419fbc8d65e2bd3120b14e12e0
--- /dev/null
+++ b/chunks/json/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":384868,"char_start":383243,"chunk_id":"chk_1ea9d3bfa58e18c0","chunk_index":225,"chunk_sha256":"c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Property Rights\nType Other\nDescription\n\nA free form text field used to collect\nadditional information when Other is\nselected for Property Rights Type.\n\n/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nSUBJECT\n\nAssignment Type\nPurchase Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Purchase’]\n\nSUBJECT\n\nAssignment Type\nRefinance Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Refinance’]\n\nSUBJECT\n\nAssignment Type\nOther\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Other’]\n\n9\n\n9\n\n9\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nSUBJECT\n\nAssignment Type\nOther (describe)\n\nSUBJECT\n\nLender/Client\n\nSUBJECT\n\nLender/Client\nAddress\n\nAppraisal Purpose\nType Other\nDescription\nLender Unparsed\nName\n\nAppraisal Forms\nLender Unparsed\nAddress\n\nA free form text field used to collect\nadditional information when Other is\nselected for Appraisal Purpose Type.\nThe name of the party or entity designated\nas the lender for the loan.\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\n"}
diff --git a/chunks/json/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.json b/chunks/json/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.json
new file mode 100644
index 0000000000000000000000000000000000000000..38ae81f24f76f85737e10c3e02dbecac752bc70d
--- /dev/null
+++ b/chunks/json/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17506,"char_start":15880,"chunk_id":"chk_ffaf9b56c4f58d20","chunk_index":9,"chunk_sha256":"c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"**Income/Down Payment**– This fraud involves providing false income information to qualify for a loan. Borrower income and assets may be inflated or completely manufactured. Down payment fraud involves disguising a loan of down payment funds as a gift.\n\n#### Fraud Against Homeowners\n\n**Home Title Fraud/Deed Fraud** – A property deed or title transfer executed and recorded illegally without the authorization or knowledge of the true and present owner. Methods used to attempt title fraud include forged warranty, grant, or quitclaim deeds. A forged deed, when executed and recorded, effectively transfers the property to the fraudster without the knowledge of the true homeowner.\n\n**Phantom Sale** – A false title transfer of property to obtain funds by mortgage loan or sale of property to third parties.\n\n#### Fraud Against Distressed Homeowners\n\n**Debt Elimination Claims** – Fraudsters claim they can eliminate a borrower’s mortgage or other debt, including credit card balances, student loans, and auto loans. Schemes generally involve demands for payment by victims of an up-front fee. Victims lose money and may lose their property, damage their credit records, and be subject to legal action by creditors based on failure to make debt payments.\n\n**Foreclosure Assistance Offers** – Fraudsters take advantage of homeowners in danger of defaulting on mortgage loans with false promises of saving their homes, for example, by transferring a deed or putting a property in the name of an investor. A fraudster can then sell the property and retain the proceeds, leaving the borrower’s home to go into foreclosure.\n"}
diff --git a/chunks/json/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.json b/chunks/json/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.json
new file mode 100644
index 0000000000000000000000000000000000000000..f77fcb0a2430df8012eac670721d36265e4985ba
--- /dev/null
+++ b/chunks/json/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":299448,"char_start":297821,"chunk_id":"chk_426ad611b2f02f54","chunk_index":171,"chunk_sha256":"c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3. CLOSING AGENT\n\nIf the Closing Agent has a license issued by a jurisdiction or professional organization, the data point LicenseIdentifier with\n\nlicense number must be delivered.\n\nN O T E : The following optional license data points and attribute have been removed from UCD v2.0:\nLicenseAuthorityLevelType, IdentifierOwnerURI, LicenseIssueDate, LicenseIssuingAuthorityName and\nLicenseIssuingAuthorityStateCode.\n\nUCD v2.0 Implementation Guide\n\n- 136 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 114. XML Snippet of Required Parties to the Transaction.\n\n<MESSAGE>\n…\n <DEAL>\n\n<PARTIES>\n<!-- Borrower -->\n <PARTY>\n\n<INDIVIDUAL>\n <NAME>\n\n<FirstName>Michael</FirstName>\n <LastName>Jones</LastName>\n\n</NAME>\n </INDIVIDUAL>\n <ADDRESSES>\n <ADDRESS>\n\n<AddressLineText>123 Anywhere Street</AddressLineText>\n <AddressType>Mailing</AddressType>\n <CityName>Anytown</CityName>\n <CountryCode>US</CountryCode>\n <PostalCode>12345</PostalCode>\n <StateCode>ST</StateCode>\n\n</ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE>\n\n<ROLE_DETAIL>\n\n<PartyRoleType>Borrower</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n<!-- Individual contact for NotePayTo -->\n\n<PARTY>\n\n<INDIVIDUAL>\n\n<CONTACT_POINTS>\n <CONTACT_POINT>\n\n<CONTACT_POINT_EMAIL>\n\n<ContactPointEmailValue>joe_smith@ficusbank.com</ContactPointEmailValue>\n\n</CONTACT_POINT_EMAIL>\n\n</CONTACT_POINT>\n <CONTACT_POINT>\n\n<CONTACT_POINT_TELEPHONE>\n\n<ContactPointTelephoneValue>1234567890</ContactPointTelephoneValue>\n\n</CONTACT_POINT_TELEPHONE>\n\n</CONTACT_POINT>\n </CONTACT_POINTS>\n\nUCD v2.0 Implementation Guide\n\n- 137 -\n\nVersion 1.0\n"}
diff --git a/chunks/json/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.json b/chunks/json/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.json
new file mode 100644
index 0000000000000000000000000000000000000000..4d1f5fa935ee41796299b3d5f10d40c494a9acce
--- /dev/null
+++ b/chunks/json/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10328,"char_start":8698,"chunk_id":"chk_937fe739f686e159","chunk_index":5,"chunk_sha256":"c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d382310860c52199","text_sha256":"c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Legal_Documents___Suspensions___FHFA_4snwcg.md"]},"text":"- ## Agreements\n\nList of settlement agreements from 2016 between FHFA and individuals from the Federal Home Loan Bank of Dallas, Texas. The terms of these agreements eliminated the need for administrative proceedings by FHFA.\n\n[Read more](/supervision/legal-documents/agreements)\n\n- ## Opinions\n\nCollection of written statements (1990-2005) advising on interpretations of law, regulation, or policy.\n\n[Read more](/supervision/legal-documents/opinions)\n\n- ## Regulatory Interpretations\n\nCompilation of agency guidance (1998 - Present) concerning the application of a statute or regulation to a particular supervisory issue; not legally binding but entitled to judicial deference.\n\n[Read more](/supervision/legal-documents/regulatory-interpretations)\n\n- ## Suspensions\n\nDirectory of individuals or entities currently suspended under the Suspended Counterparty Program.\n\nFHFA established the **[Suspended Counterparty Program](/regulation/suspended-counterparty-program)​** to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.​\n\n[Read more](/regulation/suspended-counterparty-program)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.json b/chunks/json/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..5f1a09fa9be03b94dd090c31bb5f30b7466e50a6
--- /dev/null
+++ b/chunks/json/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1518,"char_start":0,"chunk_id":"chk_550613810b1888e9","chunk_index":0,"chunk_sha256":"c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a","token_estimate":587,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Fannie Mae and Freddie Mac\n\nUniform Appraisal Dataset Specification\n\nAppendix D: Field-Specific Standardization Requirements\n\nDocument Version 1.7\n\nVersion Date: February 3, 2022\n\nThis specification relates to the Uniform Mortgage Data Program, an effort\nundertaken jointly by Freddie Mac and Fannie Mae at the direction of their\nregulator, the Federal Housing Finance Agency.\n\nPlease be advised that use of this tool to change the data sort or content of data from the Uniform Appraisal Dataset\nSpecification (UAD Specification) could result in inaccurate information. Users should always refer back to the\nUAD Specification as the true and complete source of information for the UAD.\n\nPage 1 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nContents\n\nUniform Appraisal Dataset Specification .................................................................................................................. 1\nContents ........................................................................................................................................................................ 2\nDocument Version and Revision History ................................................................................................................... 2\n"}
diff --git a/chunks/json/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.json b/chunks/json/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.json
new file mode 100644
index 0000000000000000000000000000000000000000..7d34fa9e7addd6cb1fcae195f1fda54c94ef1822
--- /dev/null
+++ b/chunks/json/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":635675,"char_start":633974,"chunk_id":"chk_183c1c21566dc347","chunk_index":375,"chunk_sha256":"c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14","token_estimate":426,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"12\n\nEnumerated\n\nAllowable Values PDF Display\nWalkOut wo\nWalkUp wu\nInteriorOnly in\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n438\n\n3\n\ne-21\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms below\ngrade.\n\n439\n\n3\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below grade.\n\n440\n\n3\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below grade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeRecreationRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBedroomRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount\n"}
diff --git a/chunks/json/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.json b/chunks/json/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.json
new file mode 100644
index 0000000000000000000000000000000000000000..f7420b215f10676075fd5e598bcd32b2a477a00c
--- /dev/null
+++ b/chunks/json/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71573,"char_start":71092,"chunk_id":"chk_d147ba1ddd237cef","chunk_index":115,"chunk_sha256":"c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde","token_estimate":435,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Reconciliation Exhibits.............................................................................................................................................................................................................. 357\n\n27 Revision History .............................................................................................................................................................................................................................. 358\n"}
diff --git a/chunks/json/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.json b/chunks/json/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.json
new file mode 100644
index 0000000000000000000000000000000000000000..2738352d52e763f1224967afdd57cd96bb3aaf68
--- /dev/null
+++ b/chunks/json/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":38167,"char_start":36479,"chunk_id":"chk_6d5dffebe07e983e","chunk_index":18,"chunk_sha256":"c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625","token_estimate":422,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"2. Multifamily Data Field 16:\nAffordability Category\n\nThis data field identifies loans\n\npurchased by an Enterprise secured by\nmultifamily properties having a mix of\nother affordable units such that those\nunits in the property affordable at more\nthan 60 percent but at or below 80\npercent of AMI received credit under\nthe pre-HERA special affordable\nhousing goal regardless of property\nlocation. Specifically, category 1 of the\ndata field specifies: >=20% are\nespecially-low-income, and <40% are\nvery-low-income. Prior to HERA, the\nterm ‘‘especially-low-income’’ was\ndefined by regulation as 50 percent or\nless of AMI. See 24 CFR 81.17(d),\n81.18(d), 81.19(d). The term ‘‘very-low-\nincome’’ was defined in the Safety and\n\nVerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00039 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\28SEN1.SGM 28SEN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nN\nV\nT\nP\nS\n5\nK\nS\nD\nn\no\n\ns\nt\nr\ne\nb\no\nr\ns\n\n60036\n\nFederal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices\n\nSoundness Act as 60 percent or less of\nAMI. The mix of units at or below 50\npercent or 60 percent of AMI also\nindicates that a property may be eligible\nfor Low-Income Housing Tax Credits\n(LIHTC). The affordability category of\n‘‘50 percent or less of AMI’’ previously\nreferred to as ‘‘especially low-income’’\nwas redefined by HERA as ‘‘very low-\nincome.’’ To avoid confusion between\nthese terms while at the same time\nmaintain the affordability definitions for\nthe purpose of identifying properties\nthat may be eligible for LIHTC, FHFA\nhas revised category 1 as follows: 1=\n>=20% of the units in the property are\naffordable at or below 50% of AMI, and\n<40% are affordable at or below 60%\nAMI.\n"}
diff --git a/chunks/json/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.json b/chunks/json/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.json
new file mode 100644
index 0000000000000000000000000000000000000000..a13b2a938a83731a32204d49232b7a04e09e4a38
--- /dev/null
+++ b/chunks/json/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1202062,"char_start":1200315,"chunk_id":"chk_fe69ac91c36d463c","chunk_index":714,"chunk_sha256":"c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145","token_estimate":437,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"A 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\n328\n\n329\n\n330\n\n331\n\n332\n\n333\n\n334\n\n335\n\n336\n\n337\n\n338\n\n339\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n84\n\n85\n\n86\n\n87\n\n88\n\n89\n\n90\n\n91\n\n92\n\n93\n\n94\n\n95\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘BasementFinish’]/@_Amount\n\n10\n\nMoney\n\nUAD 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\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric 1 digit\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet Number)\nis greater than zero.\n\nThe sum of this field 2-84 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Description\n\n20\n\nString\n\nThis is a free text field which should describe the functional utility.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL\nE_PRICE_ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Amount\n"}
diff --git a/chunks/json/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.json b/chunks/json/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.json
new file mode 100644
index 0000000000000000000000000000000000000000..99dad276de9a0cc51be7d7500dce61f35da5c129
--- /dev/null
+++ b/chunks/json/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":46600,"char_start":45000,"chunk_id":"chk_f2d0093c55b43adf","chunk_index":25,"chunk_sha256":"c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"5.12.1. Actions Taken by the GSEs\nAn extension MISMO schema was created to facilitate the provision of new ULDD data points until\nULDD can be transitioned to a more current MISMO version. The extension file is named\nULDD_Phase_3_Extension.xsd, and can be invoked by specifying the ULDD namespace in the\nprolog (header) of any Loan Delivery XML submission file.\n\nThe ULDD_Phase_3_Extension file contains four new Extension containers:\nLOAN_IDENTIFIER_EXTENSION,\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 19 of 22\n\nGOVERNMENT_MONITORING_DETAIL_EXTENSION,\nGOVERNMENT_MONITORING_EXTENSION, and HMDA_RACE_EXTENSION\n\nFigure 4 - Extension Containers leveraging “Other” container\n\n5.12.2. How to invoke the ULDD extension\nULDD Customers will need to specify a namespace in their XML submission files that applies to\nboth schemas, MISMO 3.0 and the ULDD extended schema. This solution will impact ULDD\ncustomers when they use the data points included in the Extension containers. An example is\nprovided below which illustrates the necessary modifications to the submission file prolog:\n\nFigure 5 – Updated header to include extension xsd.\n\n5.12.3. Declaring Data Points from Extended Containers\nIn order to invoke the data points or enumerations within the extended containers, customers will\ndeclare a container under the OTHER container structure. The containers and data points under\nthe OTHER structure will follow a hierarchy in alphabetic order that is consistent across the MISMO\nmodel. The following example illustrates the use of data points under the\nHMDA_RACE_EXTENSION container:\n"}
diff --git a/chunks/json/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.json b/chunks/json/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.json
new file mode 100644
index 0000000000000000000000000000000000000000..0d0d314771ec076e9770d0ec1384b291275ddbf9
--- /dev/null
+++ b/chunks/json/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3723,"char_start":1605,"chunk_id":"chk_9786048db3fd77c3","chunk_index":1,"chunk_sha256":"c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bf77b94d152cdbdc","text_sha256":"c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f","token_estimate":530,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2019.pdf"]},"text":"Definition\nYear Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company, 04=Non-\nFederally Insured CU, 05=Non-Depository CDFI,\n06=Other FHLBank, 09=Other\nNumber of Borrowers\nNumeric code indicating whether borrower\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n"}
diff --git a/chunks/json/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.json b/chunks/json/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.json
new file mode 100644
index 0000000000000000000000000000000000000000..b1830495bb485c021c6d72f6b91d66e0eaf18c9c
--- /dev/null
+++ b/chunks/json/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43458,"char_start":41675,"chunk_id":"chk_6f6e485cb13e410f","chunk_index":25,"chunk_sha256":"c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5","token_estimate":446,"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":"Apparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 22 of 24\nPage 22 of 24\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.json b/chunks/json/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.json
new file mode 100644
index 0000000000000000000000000000000000000000..4f0d729a15ef930b7327c1d4e82d4c3a74365dac
--- /dev/null
+++ b/chunks/json/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14819,"char_start":12748,"chunk_id":"chk_edda20355541ef0c","chunk_index":7,"chunk_sha256":"c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c","token_estimate":518,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"Composite risk scores factor in Expected Annual Losses (EALs) from physical risk, social vulnerability, and community resilience. Hurricane risk in the continental United States is concentrated in the gulf states and the east coast.\n\n## **2022 Acquisitions by the Enterprises and FHLBanks and Hurricane Risk**\n\nFannie Mae, Freddie Mac, and the FHLBanks acquired 3,838,894[[8]](#ftn8) single-family loans in 2022 for a total of almost $1.2 trillion in acquisition UPB. Fannie Mae and Freddie Mac acquired 8,016 multifamily properties in 2022 for a total of over $133 billion in acquisition UPB.\n\nStakeholders can use the dashboard to evaluate the distribution of acquisitions by the Enterprises and FHLBanks in 2022 and hurricane risk as defined by the NRI. Figure 1 shows this distribution. Of all single-family loan acquisitions, 5.22 percent ($60.8 billion in UPB) were in very high-risk-tracts, and 7.22 percent ($84.1 billion in UPB) were in relatively-high-risk tracts. Of all acquisitions in Duty to Serve high-needs rural counties, 4.41 percent ($1.02 billion in UPB) were in very-high-risk-tracts and 9.11 percent ($2.11 billion in UPB) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is slightly lower than in overall single-family acquisitions in 2022 (4.41 percent versus 5.22 percent).\n\nOf all multifamily property acquisitions, 4.78 percent ($6.38 billion) were in very high-risk-tracts, and 8.68 percent ($11.59 billion) were in relatively-high-risk tracts. Of all multifamily acquisitions in Duty to Serve high-needs rural counties, 5.87 percent ($0.06 billion) were in very-high-risk-tracts and 15.23 percent ($0.16 billion) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is higher than in overall multifamily acquisitions in 2022 (5.87 percent versus 4.78 percent) but the dollar-value of acquisitions is relatively low in comparison to the overall books of business.\n"}
diff --git a/chunks/json/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.json b/chunks/json/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.json
new file mode 100644
index 0000000000000000000000000000000000000000..7f40f5aad555c44acc6e5036204e6d74897ec4c4
--- /dev/null
+++ b/chunks/json/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1608,"char_start":0,"chunk_id":"chk_ae871e735fe90d39","chunk_index":0,"chunk_sha256":"c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2f3bf55aabe841cd","text_sha256":"c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appraisal-update-report-uad-36-compliance-rules.pdf"]},"text":"Appraisal Update Report UAD 3.6 Compliance Rules\navailable on UAD Compliance API\n\nMarch 27, 2025\n\nIn support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the\nGSEs) have made available all 102 Restricted Appraisal Update Report UAD 3.6 Compliance Rules via each GSE’s UAD\nCompliance application programming interface (API) as of March 27, 2025. This is in addition to the 709 Uniform\nResidential Appraisal Report (URAR) UAD 3.6 Compliance Rules that were made available in the GSEs’ UAD\nCompliance APIs on December 5, 2024.\n\nThe GSEs’ APIs will help ensure users comply with the UAD 3.6 specification and enhance efficiency in the appraisal\nprocess while reducing the need for appraisal resubmissions to the Uniform Collateral Data Portal® (UCDP®). It does\nthis by validating the UAD 3.6 appraisal XML against the UAD 3.6 Compliance Rules for the URAR, and now the\nRestricted Appraisal Update Report, prior to submission to the UCDP. The API will validate that the XML is well-\nformed, will perform a UAD 3.6 schema validation, and will verify conditionality (required, conditionally required,\netc.), data type, and format.\n\nIf you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of\nvalidating your solution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.\n\nPlease note: to use the GSEs’ APIs in production, you must complete the GSEs’ verification process. You may still use\nthe GSEs’ APIs in the customer test environment (CTE) until you have completed verification.\n"}
diff --git a/chunks/json/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.json b/chunks/json/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.json
new file mode 100644
index 0000000000000000000000000000000000000000..816fe30e577ea3119f962c3645d97b078e94825c
--- /dev/null
+++ b/chunks/json/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26253,"char_start":24554,"chunk_id":"chk_9a82e976eef1fc05","chunk_index":15,"chunk_sha256":"c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac","token_estimate":425,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all\n\n15.\nstatements and information in this appraisal report are true and correct.\n\nI stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which\n\n16.\nare subject only to the assumptions and limiting conditions in this appraisal report.\n\nI have no present or prospective interest in the property that is the subject of this report, and I have no present or\n17.\nprospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or\ncompletely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital\nstatus, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the\npresent owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.\n\n18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not\nconditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a\npredetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any\nparty, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending\nmortgage loan application).\n\nI personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I\n"}
diff --git a/chunks/json/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.json b/chunks/json/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.json
new file mode 100644
index 0000000000000000000000000000000000000000..1fc9b7a8f488b9f3a4501c61813566914eb8a163
--- /dev/null
+++ b/chunks/json/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29987,"char_start":29453,"chunk_id":"chk_3677f33e4c6a5c93","chunk_index":47,"chunk_sha256":"c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9","token_estimate":414,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Sales Comparison Approach Exhibits (H1) .......................................................................................................... 64\n\nRental Information ........................................................................................................................................ 64\n\nAppendix E: Report Style Guide\n\nPage 8 of 90\n\nVersion 1.4\n\nRent Schedule (H1) ............................................................................................................................................. 64\n"}
diff --git a/chunks/json/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.json b/chunks/json/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.json
new file mode 100644
index 0000000000000000000000000000000000000000..e97ad581a0a563605424bb2e614c13e69f26eb09
--- /dev/null
+++ b/chunks/json/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":553704,"char_start":552107,"chunk_id":"chk_1c9c88f39f5067f3","chunk_index":319,"chunk_sha256":"c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Yes No\n \n \n \n\nContract Price\nContract Date\nTransfer Terms\nPersonal Property Conveyed\n\n$765,000\n08/20/2019\nTypically Motivated\nNo\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 15 of 22\nPage 15 of 22\n\nSales Contract (continued)\n\nFinancial Sales Concessions\n\nFinancial assistance paid by or on behalf of the seller as an inducement to purchase the subject property\n\nKnown Sales Concessions\n\nNo\n\nSales Contract Analysis\n\nSales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and anlayzed by\nthe appraiser.\n\nPrior 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\nTypically Motivated\n\nDate\n01/24/2013\n\nAmount\n$600,000\n\nData Source\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property Since the prior sale, the kitchen has been updated with new counter tops,\nnew appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded.\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\nData Source\nMLS\n\nDate\n02/23/2015\n\nAmount\n$677,250\n\n2\n\n3\n\nDeed Transfer Only\n\nNon-MLS Sale\n\n04/13/2017\n\n04/05/2015\n\nNot Disclosed\n\nNot Disclosed\n\nAssessor Record\n"}
diff --git a/chunks/json/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.json b/chunks/json/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.json
new file mode 100644
index 0000000000000000000000000000000000000000..dc66bb04d65945232d908a14a7885e192af8c121
--- /dev/null
+++ b/chunks/json/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":67404,"char_start":65474,"chunk_id":"chk_b3a270018f80554a","chunk_index":35,"chunk_sha256":"c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5","token_estimate":483,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00050 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n41189\n\nFor the reasons stated with respect to\nthe multifamily data elements discussed\nabove, FHFA is not requiring the\nEnterprises to collect and report this\ndata for inclusion in the PUDB.\n\nD. Single-Family and Multifamily\nRespondent ID and Agency Code\n\nFHFA considered adding new HMDA\ndata fields to the PUDB that would have\ndesignated the identification number\n(respondent ID) assigned by a HMDA-\nreporting lender’s regulatory agency to\nthe institution that reported the loan,\nand the code of the regulatory agency\n(agency code) for the HMDA-reporting\nlender that provided the loan to the\nborrower. The Enterprises have not been\ncollecting respondent IDs and agency\ncodes for their single-family or\nmultifamily loan purchases.\n\nFannie Mae and Freddie Mac opposed\ninclusion in the PUDB of the respondent\nID and agency code data fields, claiming\nthat these are not required HMDA data\nfields, as described in Regulation C\n(citing to 12 CFR 203.4(a)) and,\ntherefore, they are not data elements\nrequired to be reported in the PUDB\nunder HERA.\n\nFreddie Mac also asserted that even if\n\nrespondent ID and agency code\nconstitute data elements under HMDA,\nHMDA reporters that are purchasers are\nnot required to report from whom they\npurchased a loan (whether from the\noriginator or from another entity).\nFannie Mae also stated that currently it\ncollects and reports to FHFA the type of\ninstitution that sold the loan to Fannie\nMae (single-family data field 34 and\nmultifamily data field 33), and this data\nis disclosed in the PUDB and provides\na more specific description than\nrevealed by agency code of the type of\ninstitution from which Fannie Mae\npurchases its loans.\n"}
diff --git a/chunks/json/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.json b/chunks/json/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a9a3c0db7c904591a63636ef0024bb035921fb5
--- /dev/null
+++ b/chunks/json/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":18192,"char_start":16521,"chunk_id":"chk_b2cd9d9b82c54143","chunk_index":10,"chunk_sha256":"c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Appraiser-specified value\nindication of the subject\nproperty, using the Cost\nApproach only.\n\nNumeric\n\n$5,000 to\n$1,705,000\n\nAppraisal Form\nSection\n\nNotes\n\nReconciliation\n\nDisclosure\nAvoidance\nMethod\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\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\n\nFederal Housing Finance Agency\n\n13\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nvalue_income\n\nValue by Income\nApproach\n\nAppraiser-specified value\nindication of the subject\nproperty, using the Income\nApproach only.\n\nNumeric\n\n$5,000 to\n$1,705,000\n\nAppraisal Form\nSection\n\nNotes\n\nReconciliation\n\nDisclosure\nAvoidance\nMethod\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\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,\n\nFederal Housing Finance Agency\n\n14\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nappraised_value\n\nAppraised Value\n\nAppraiser-specified value\nindication of the subject\nproperty, reconciling all\napproaches to value.\n"}
diff --git a/chunks/json/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.json b/chunks/json/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.json
new file mode 100644
index 0000000000000000000000000000000000000000..07ef170675aae816711b37a5488701d07b433005
--- /dev/null
+++ b/chunks/json/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":40225,"char_start":39757,"chunk_id":"chk_86a3c68929ceb08c","chunk_index":60,"chunk_sha256":"c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb","token_estimate":403,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit Interior – Arcrole Relationships ........................................................................................................................................................................................ 197\n\n11 Functional Obsolescence ................................................................................................................................................................................................................. 200\n"}
diff --git a/chunks/json/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.json b/chunks/json/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.json
new file mode 100644
index 0000000000000000000000000000000000000000..85c46e7ac3edf3a7422a809ee569d978243613e0
--- /dev/null
+++ b/chunks/json/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":211916,"char_start":209417,"chunk_id":"chk_4cfc4e7ddd6ef653","chunk_index":118,"chunk_sha256":"c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a","token_estimate":625,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• must be consistently developed for the subject property and all comparables used in the appraisal;\n• must include all finished above-grade and below-grade living areas, counting all interior common areas such as\n\nstairways, hallways, storage rooms; and\ncannot count unfinished area(s) or exterior common areas, such as open stairways.\n\n•\n\nFannie Mae will accept the use of other comparisons for two- to four-unit properties, such as the total above-grade and below-\ngrade areas discussed in Above- and Below-Grade Area(s), provided the appraiser\n\n•\n•\n\nexplains the reasons they did not use a gross building finished area comparison, and\nclearly describes the comparisons that were made.\n\nAccessory Dwelling Units\n\nAn ADU is generally an additional living area independent of the primary dwelling that may have been added to, created within, or\ndetached from the primary dwelling. The ADU must have basic requirements for living, sleeping, cooking, and bathroom facilities\non the same parcel as the primary dwelling. See SB2-3-04, Special Property Eligibility Considerations, for complete ADU eligibility\nrequirements.\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 84 of 166\n\nUAD 3.6 Policy\n\nWhen reporting the living area of an ADU, it should not be included with the finished above-grade square footage calculation of\nthe primary dwelling. If an outbuilding does not meet the ADU minimum requirements, it should be treated as any other ancillary\noutbuilding and included separately in the sales comparison approach then adjusted based on its contributory value to the\nsubject property.\n\nWhether a property is defined as a one-unit property with an ADU(s) or a two- to four-unit property will be based on the\ncharacteristics of the property, which may include, but are not limited to, the existence of separate utility meter(s), a unique\npostal address, and whether the unit can be legally rented. The appraiser must determine compliance with this definition as part\nof the analysis in the Highest and Best Use section of the appraisal report. When there is an ADU(s), the appraisal report must\ninclude a description of the ADU(s) and include an analysis of any effects the ADU(s) has on the value or marketability of the\nsubject property. The appraisal report must demonstrate that the improvements are acceptable for the market. An aged, settled\nsale will qualify as a comparable, and an active listing or under contract sale will qualify as a supplemental exhibit to show\nmarketability.\n"}
diff --git a/chunks/json/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.json b/chunks/json/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.json
new file mode 100644
index 0000000000000000000000000000000000000000..9eefd1b68f4269f9fa7e68ffc64c980c7118bec8
--- /dev/null
+++ b/chunks/json/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7201,"char_start":5541,"chunk_id":"chk_f3fad634ec2fd687","chunk_index":3,"chunk_sha256":"c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1","token_estimate":415,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"section 1302 provides that all HUD regulations\n‘‘shall remain in effect . . . until modified,\nterminated, set aside, or superseded’’ by FHFA. 12\nU.S.C. 4511 note. Because FHFA has not yet\nadopted its own regulation governing the PUDB,\nFHFA administers the PUDB under the HUD\nregulation’s general standards and procedures and\nFHFA Orders applying them to the data published\nin the PUDB.\n\n2 The Enterprise PUDBs are available on FHFA’s\n\nwebsite at https://www.fhfa.gov/DataTools/\nDownloads/Pages/Public-Use-Databases.aspx. HUD\ncontinues to host the pre-HERA PUDB datasets at\nhttps://www.huduser.gov/portal/datasets/gse.html.\n3 The matrices for the PUDB prior to this revision\n\nare published at 76 FR at 60037–60046. The\nupdated matrices have been published on the FHFA\nwebsite at the link indicated in the SUMMARY above.\nThe data dictionaries will also be published on the\nFHFA website.\n\n4 The Safety and Soundness Act requires the\n\nPUDB to include data submitted by the Enterprises\nto FHFA in the mortgage reports required under the\nFederal National Mortgage Association Charter Act,\n12 U.S.C. 1723a(m), and the Federal Home Loan\nMortgage Corporation Act, 12 U.S.C. 1456(e)\n(Charter Acts). 12 U.S.C. 4543(a)(1). These mortgage\nreports and the PUDB are required to include the\nsame data elements required to be reported under\nHMDA, 12 U.S.C. 2801 et seq., subject to the\nprivacy considerations in 12 U.S.C. 2803(j). 12\nU.S.C. 4543(a)(2), 4546(d)(1).\n\n5 12 U.S.C. 4543(a)(2). ‘‘Census tract level’’ means\n\nthat the mortgage data is disclosed in individual\nloan records, which include the census tract\nlocation of the mortgaged property as a geographic\nidentifier.\n"}
diff --git a/chunks/json/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.json b/chunks/json/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.json
new file mode 100644
index 0000000000000000000000000000000000000000..e45c5d8daf754c7f0ad2067e6bc694af898a6d7e
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+++ b/chunks/json/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":315377,"char_start":313280,"chunk_id":"chk_456d4f8580e86688","chunk_index":173,"chunk_sha256":"c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e","token_estimate":524,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Special assessment districts that are established to serve newly developing subdivisions with utilities often base their financial\nplans and the amount of the assessment to be charged to each property owner on the expected number of properties in the area\nto be served. The district then depends on the continuation of development to maintain its budget expectations. If, for any\nreason, development stops short of the degree of development that the district anticipated in preparing its budget, the district\ncan become financially distressed and may need to impose an additional assessment on the existing homeowners.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 119 of 166\n\nUAD 3.6 Policy\n\nAppraisal Requirements for Properties Located in Special Assessment Districts\n\nFor properties located in special assessment districts, the appraiser must\n\n•\n\nreport any special assessments that affect the property in the Subject Property section of the Uniform Residential\nAppraisal Report (URAR);\n\n• note in the appraisal report if the special assessment district is experiencing financial difficulty; and\n•\nanalyze the impact the special assessment has on the value or marketability of the subject property.\n\nTo ensure the market’s reaction to potential liabilities within a financially troubled special assessment district is accurately\nreflected in their analysis, appraisers must consider current and expired listings, properties for sale, pending contract sales, and\nrecently closed sales within the district.\n\nThere may be some instances in which the financial difficulty of a special assessment district is so severe that its actual effect on\nthe value and marketability of a property is not measurable because there is no comparable market data available to enable the\nappraiser to arrive at a reliable opinion of market value. When this is the case, a loan secured by a property in that district will not\nbe eligible for sale to Fannie Mae until such time that an active market develops that will enable the appraiser to demonstrate the\nvalue and marketability of the subject property.\n"}
diff --git a/chunks/json/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.json b/chunks/json/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.json
new file mode 100644
index 0000000000000000000000000000000000000000..a82ec14ac5c26d39e1bb49623eea73cbfabca14b
--- /dev/null
+++ b/chunks/json/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3221,"char_start":1604,"chunk_id":"chk_6be17a1c426b71d8","chunk_index":1,"chunk_sha256":"c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"Bedroom\n\nDining Area\n\n\\\\Images\\MH1_DiningRoom.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\nBath 1\n\n\\\\Images\\MH1_PrimaryBath.png\n\nimage/png\n\nLevelOne\n\nNewOrLikeNew\n\nUpgraded cabinets and fixtures\n\nFullBathroom\n\nLessThanOneYear\n\nFullyUpdated\n\nBath 2\n\n\\\\Images\\MH1_SecondaryBath.png\n\nimage/png\n\nLevelOne\n\nNewOrLikeNew\n\nUpgraded cabinets and fixtures\n\nFullBathroom\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\MH1_Kitchen.png\n\nimage/png\n\nLevelOne\n\nNewOrLikeNew\n\nUpgraded counter tops, cabinets, and fixtures\n\nFormica Countertops | Vinyl Floor\n\nKitchen\n\nLessThanOneYear\n\nFullyUpdated\n\n\\\\Images\\MH1_LivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n\\\\Images\\MH1_UtilityRoom.png\n\nimage/png\n\nLevelOne\n\nUtilityRoom\n\nRanch\n\nManufactured\n\nSubject Property dwelling is a new manufactured home.\n\n0\n\n45\n\nVinyl\n\nNewOrLikeNew\n\nStandard building plans and materials\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nCrawlSpace\n\nOther\n\nPier with Tie Down\n\nFoundation is a new poured concrete footing to support piers.\n\nNewOrLikeNew\n\nFoundation\n\nLessThanOneYear\n\ntrue\n\nComposition\n\nNewOrLikeNew\n\n30 year composition shingle\n\nRoof\n\nNewOrLikeNew\n\nInsulated\n\nWindows\n\nVinyl\n\nC1\n\nQ4\n\nThreeToFourFeet\n\n1\n\nSubject is a newly installed manufactured home.\n\nCentralized\n\nElectric\n\nForcedWarmAir\n\nfalse\n\nfalse\n\nfalse\n\nOutbuilding\n\nfalse\n\ntrue\n\nOther\n\nRec Room/Garage\n\nRecreationRoom\n\n1\n\nHalfBathroom\n\n0\n\nElectricity\n\n0\n\n900\n\n200\n\n0\n\nThis structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room.\n\nfalse\n\nfalse\n\nOutbuilding\n\ntrue\n\ntrue\n\nBarn\n\nNone\n\n0\n\n800\n\n0\n\n800\n\nThis structure is an existing older barn.\n"}
diff --git a/chunks/json/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.json b/chunks/json/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.json
new file mode 100644
index 0000000000000000000000000000000000000000..84ed6f5e030580e1c60ec4b446a3c7b825516be6
--- /dev/null
+++ b/chunks/json/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26931,"char_start":24827,"chunk_id":"chk_8283f5811dbb1055","chunk_index":15,"chunk_sha256":"c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991","token_estimate":526,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Intended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nDefinition of Market Value\n\nThe most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the\nbuyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is\nthe consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are\ntypically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest;\n(3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial\narrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative\nfinancing or sales concessions* granted by anyone associated with the sale.\n\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are normally\npaid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales\ntransactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost\nof the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on the\nappraiser’s judgment.\n"}
diff --git a/chunks/json/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.json b/chunks/json/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.json
new file mode 100644
index 0000000000000000000000000000000000000000..e5bf42676c97816253b46893c29d0534051c376a
--- /dev/null
+++ b/chunks/json/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":374318,"char_start":371794,"chunk_id":"chk_db19ef6564516626","chunk_index":215,"chunk_sha256":"c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb","token_estimate":632,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 20 of 20\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n\n25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the\nmortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data\ncollection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any\nstate, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to\nstore, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain\nthe appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A\nperson or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as\nan intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to\nthe mortgage finance transaction and related activities for which this appraisal report was prepared.\n"}
diff --git a/chunks/json/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.json b/chunks/json/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.json
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index 0000000000000000000000000000000000000000..7fedaaee2bfbed8b8c02ccdb05d83707c0aa6728
--- /dev/null
+++ b/chunks/json/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11411,"char_start":9803,"chunk_id":"chk_ff51891245dcb910","chunk_index":6,"chunk_sha256":"c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"Submit 2.6 or Submit 3.6\n\nSubmit 3.6 Only\n\nNovember 18, 2024 –\nRedesigned Uniform\nResidential Appraisal\nReport (URAR) industry\ntraining available on\nGSE websites\n\nJune 4, 2025 – GSEs\npublish policy updates\n\nSeptember 8, 2025 – Fannie Mae and Freddie\nMac can accept both UAD 2.6 and 3.6\n\nJuly 28, 2025 – ULDD\nMandate: Lenders must\ndeliver ULDD Phase 5\ndata points prior to\nusing UAD 3.6\n\n*Limited Production Participants - Lenders who\nhave submitted the UAD Questionnaire and\nreceived GSE approval will have controlled access\nto submit 3.6 to Uniform Collateral Data Portal\n(UCDP)\n\nJanuary 26, 2026 – All Lenders may begin\nsubmitting to the GSEs’ production environment\nwithout prior GSE approval\n\nNovember 2, 2026 –\nLenders must use UAD\n3.6 for all new\nsubmissions on or after\nthis date\n\nRevisions allowed for\npreviously submitted\nUAD 2.6 appraisals\n\n2.6 Pipeline\nCleared\n\nMay 3, 2027 – UAD\n2.6 Pipeline\nrevisions period\nends\n\n2024 and beyond\n\nApril 2025 | 20\n\nGSE-Provided Training\n\nUser’s Guide to the New Uniform Residential Appraisal Report (URAR)\n\nAvailable on the GSE websites. This training is focused on how to read the new reports and when data displays.\n\nLearning Objectives:\n\n• Explore the dynamic appraisal reports (URAR, Appraisal Update Report, and Completion Report) and the\n\ntransition to eliminate property type-specific forms\n\n• Become familiar with the new reporting features of the appraisal reports\n\n• Learn the basics of the new UAD\n\n• Examine expanded data requirements\n\n• Understand your responsibilities in the new appraisal reporting process\n\nApril 2025 | 21\n\nAdditional Resources\n"}
diff --git a/chunks/json/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.json b/chunks/json/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.json
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index 0000000000000000000000000000000000000000..a692028b8458820e4cb87b414624f60f06aa1864
--- /dev/null
+++ b/chunks/json/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16088,"char_start":14272,"chunk_id":"chk_92faebf0d07776cc","chunk_index":8,"chunk_sha256":"c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8b6467a46396e149","text_sha256":"c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6","token_estimate":454,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Credit_Scores___FHFA_22br38.md"]},"text":"### **Will FHFA pursue further changes to the Enterprises’ credit score or credit reporting requirements?**\n\nFHFA continues to assess opportunities to lower costs for consumers, promote robust competition, and spur innovation – all while ensuring ongoing safety and soundness at the Enterprises.\n\n[Fannie Mae Credit Score Transition Page](https://singlefamily.fanniemae.com/originating-underwriting/credit-score-models)\n\n[Freddie Mac Credit Score Transition Page](https://sf.freddiemac.com/general/credit-score-models)\n\n## **Background**\n\nOn October 24, 2022, [FHFA announced](/news/news-release/fhfa-announces-validation-of-fico-10t-and-vantagescore-4.0-for-use-by-fannie-mae-and-freddie-mac) the validation and approval of two new credit score models, FICO 10T and VantageScore 4.0, for use by the Enterprises. Once implemented, lenders will be required to deliver both FICO 10T and VantageScore 4.0 credit scores, when available, with each single-family loan sold to the Enterprises. The announcement followed a lengthy process of reviewing potential updates to the Enterprises’ credit score requirements, as required by statute and regulation. During this time, the Enterprises undertook rigorous testing of the models for which an application was received. Both of the newly approved models exceeded the required thresholds for accuracy, reliability, and integrity.\n\nOn October 24, 2022, FHFA also announced that the Enterprises would permit lenders to use either tri-merge credit reporting, in which credit reports from each of the three nationwide consumer reporting agencies are used, or bi-merge credit reporting, in which credit reports from two of the nationwide consumer reporting agencies are used. FHFA expects this update will promote competition in the market while supporting robust risk management.\n"}
diff --git a/chunks/json/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.json b/chunks/json/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.json
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index 0000000000000000000000000000000000000000..c46046b6b207c1b300da76d4dd8ff151f544efb0
--- /dev/null
+++ b/chunks/json/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":466244,"char_start":464180,"chunk_id":"chk_b9b7a184d05a80ee","chunk_index":353,"chunk_sha256":"c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad","token_estimate":516,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\n29.019\n\nThe FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage\ninsurance purposes only.\n\nDisplay when\nGovernmentAgencyApp\nraisalType = \"FHA\" AND\nValuationAssignmentTy\npe = \"Purchase\" OR\n\"Refinance\"\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser Certifications subsection always displays.\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nAppraiser Certifications\n\n29.020\n\nThe Appraiser certifies and agrees that:\n\n29.021\n\n1\n\nI have no present or prospective interest in the property that is the subject of this report, or relationship with the present\nor prospective owners or occupants of the subject property, or other parties involved in this transaction.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisplay Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nPage 369\n\nReport\nField ID\n\n29.022\n\n29.023\n\n29.024\n\n29.025\n\n29.026\n\n29.027\n\n29.028\n\n29.029\n\nCert #\n\nCertifications Text\n\nDisplay Rules\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\n9\n\nI performed this assignment without bias with respect to the parties involved in this transaction, the property that is the\nsubject of this report, or the demographics of the area where the property is located.\n\nAlways displays\n\nI am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and\nrequirements that apply to the appraiser and to the assignment.\n\nAlways displays\n\nI did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or\ngender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial\nstatus, or national origin of the present or prospective owners or occupants of either the subject property or properties in\nthe area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity\nAct, or any other basis prohibited by law.\n"}
diff --git a/chunks/json/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.json b/chunks/json/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.json
new file mode 100644
index 0000000000000000000000000000000000000000..0573bcc951e1cd614e942e62dadbaa4451fe69c3
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+++ b/chunks/json/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9671,"char_start":8194,"chunk_id":"chk_800729971c59cb9f","chunk_index":5,"chunk_sha256":"c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb","token_estimate":424,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"``\n - [](https://www.linkedin.com/posts/fhfa_httpslnkdineb-qdur-activity-7307882600910516227-6ZIU) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)\n\n59,118 followers\n\n10mo\n\n- [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting)\n\n[https://lnkd.in/e_B-QduR](https://lnkd.in/e_B-QduR?trk=organization_guest_main-feed-card-text)\n\n`` `` [![image]() 3](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` ``\n\n[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta)\n"}
diff --git a/chunks/json/c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b.json b/chunks/json/c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b.json
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index 0000000000000000000000000000000000000000..2d25afec73751fe8d8dc73a51f47c4c264c30eb7
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+++ b/chunks/json/c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b.json
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+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_f164f6c487e4def4","chunk_index":0,"chunk_sha256":"c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_917691af2170118f","text_sha256":"c7bca018147b6f5abb6bebff02fed1341073278683599422780de179074bee5b","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Plain_Language_Report___U_S__FEDERAL_HOUSING_13zfde.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/plain-language-report\"\ndate_accessed: \"2026-01-27T17:48:04.095Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.json b/chunks/json/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.json
new file mode 100644
index 0000000000000000000000000000000000000000..af9dbb77b7a8f5eeab719cd304160799612a5b52
--- /dev/null
+++ b/chunks/json/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29321,"char_start":27615,"chunk_id":"chk_cf5dae8e738a654f","chunk_index":15,"chunk_sha256":"c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"LOAN_IDENTIFIER_EXTENSION\n\nMESSAGE/DEAL_SETS/DE AL_SET/ DE ALS /DE AL/P ARTIES/ P ARTY/ ROLES/ ROLE /BORROW ER\n\nRoot XPath\n\nExtensions for HMDA Data\n\nGOVERNMENT_MONITORING_DETAIL\n\nEXTENSION\n\nOTHER\n\nGOVERNMENT_MONITORING_DETAIL_EXTENSION\n\nHMDA_RACE\n\nEXTENSION\n\nHMDA_RACE_EXTENSION\n\nOTHER\n\nGOVERNMENT_MONITORING_EXTENSION\n\nHMDA_ETHNICITIES\n\nHMDA_ETHNICITY\n\nHMDA_ETHNICITY_ORIGINS\n\nHMDA_ETHNICITY_ORIGIN\n\nDiagram Legend\nXPath\n\nRoot XPath\n\nRequisite EXTENSION and OTHER Containers for creating\n\nextensionsStructurally required named extension container\n\nFigure 3 – Extension Hierarchy in MISMO Version 3.0 Reference Model\n\n5.2. XML Container Description\n\nThe MISMO Version 3.0 Reference Model utilizes a hierarchical container structure as shown in\nFigure 1. The loan delivery XML file referenced in this Implementation Guide is contained within the\nroot element of MESSAGE. To clarify the differences with the plural and the singular container\nnames, pluralized MISMO container names (e.g., LOANS) indicate that the singular container name\n(e.g., LOAN) is a repeatable container within the pluralized container (e.g., LOANS). For example,\nthere may be multiple LOAN containers within a single LOANS container.\n\nTo better understand how these containers apply to Fannie Mae’s loan delivery process, refer to the\nXML containers table below:\n\nTable 4 - XML Containers and Descriptions\n\nContainer Name\n\nContainer Description\n\nABOUT_VERSION\n\nDEAL_SET\n\nCaptures the version number of Fannie Mae’s Implementation Guide\nthat was used to create the loan delivery XML file and the date and\ntime that the loan delivery file was created. There is only one\noccurrence of the ABOUT_VERSION container per loan delivery file.\n"}
diff --git a/chunks/json/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.json b/chunks/json/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..ddd7322a709317bdda2546fc14738d791d510e5a
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+++ b/chunks/json/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.json
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+{"chunk":{"char_end":44040,"char_start":43056,"chunk_id":"chk_9b5a9760f5176a23","chunk_index":45,"chunk_sha256":"c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8","token_estimate":477,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Unit Special Assessments\n\nUnit Tax Abatements or Exemptions\n\nProject Factors Commentary\n18.094\n\nProject Information Commentary\n\nProject Information Exhibits\n\n18.095\n\n18.096.1 | 18.096.2\n\n18.012.1 | 18.012.2\n\n18.014.1 | 18.014.2\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"}
diff --git a/chunks/json/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.json b/chunks/json/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f5ce22745c7d1ae16863cc69b3f36d4c5335c8c
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+++ b/chunks/json/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":774199,"char_start":772571,"chunk_id":"chk_9b24c3765d4094f3","chunk_index":459,"chunk_sha256":"c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Improvements Section\nThe appraisal report must indicate the subject property's year built in a four-digit format\nonly, such as 1978 or 2002.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nData Format: yyyy\n\nThis is a free text field which should contain a description of the materials of the\nexterior walls.\nThis is a free text field which should contain a description of the materials of the roof\nsurface.\n\nNumeric\n\nWhole numbers only.\n\nNumeric\n\nString\n\nNumeric, to two decimal places: 1.25 parking spaces per unit\n\nT\n\nT\n\nR\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 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 138 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n158\n\n159\n\n160\n\n161\n\n162\n\n163\n\n164\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n151\n\n152\n\n153\n\n154\n\n155\n\n156\n\n157\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\nPROJECT\nINFORMATION\n\nProject\nGuest Parking\nSubject Phase\n# of Units\nSubject Phase\n# of Units Completed\nSubject Phase\n# of Units For Sale\nSubject Phase\n# of Units Sold\nSubject Phase\n# of Units Rented\n\nGuest Parking\nSpaces Count\nPlanned Units\nCount\nCompleted Units\nCount\nUnits For Sale\nCount\n\nThe total number of guest or common-area\nparking spaces in the project.\n\nTotal number of planned living units.\n\nTotal number of completed living units.\n\nTotal number of living units for sale.\n\nUnits Sold Count\n\nTotal number of living units sold.\n\nUnits Rented Count Total number of living units rented.\n"}
diff --git a/chunks/json/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.json b/chunks/json/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..bda3f45a6bcbbf57ebaecb7c18504c6780a8bad9
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+++ b/chunks/json/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10426,"char_start":8683,"chunk_id":"chk_9a6b864ce2b09323","chunk_index":5,"chunk_sha256":"c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_53cdb7ce3f149cb3","text_sha256":"c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Search_or_Browse_Mortgage_Documents___FHFA_51hhk4.md"]},"text":"Doc Name, Desc, Keywords or Form #\n\n- Any -\n\nA\n\nB\n\nC\n\nD\n\nE\n\nF\n\nG\n\nH\n\nI\n\nJ\n\nK\n\nL\n\nM\n\nN\n\nO\n\nP\n\nQ\n\nR\n\nS\n\nT\n\nU\n\nV\n\nW\n\nX\n\nY\n\nZ\n\nDocument Title Languages Source / Form Number # [CFPB Escrow Cancellation Notice](/mortgage-translations/document/cfpb-escrow-cancellation-notice) Spanish CFPB [Form 182 - Adverse Action Notice](/mortgage-translations/document/form-182-adverse-action-notice) English, Spanish CFPB [Authorized Changes for ARM Riders](/mortgage-translations/document/authorized-changes-for-arm-riders) English Freddie Mac [Oregon Translation of HUD Truth in Lending Settlement Statement](/mortgage-translations/document/oregon-translation-of-hud-truth-in-lending-settlement-statement) Spanish / Español State Agencies [Supplemental Consumer Information Form (SCIF) Rendering Options](/mortgage-translations/document/supplemental-consumer-information-form-scif-rendering-options) English Fannie Mae; Freddie Mac\n\n- [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [6](?page=5)\n - [7](?page=6)\n - [8](?page=7)\n - [9](?page=8)\n - …\n - [Next](?page=1)\n - [Last](?page=31)\n\nDocument Language - Any - English Spanish / Español Chinese / 中文 Vietnamese / Tiếng Việt Korean / 한국어 Tagalog / Filipino\n\nDoc Name, Desc, Keywords or Form #\n\nI Am Looking for Information About... (Scenario) - Any - Preparing to Buy a Home Applying for a Mortgage or Refinancing Paying My Mortgage Having Difficulty Making Mortgage Payments\n\nStage - Any - Getting a Mortgage Mortgage Servicing\n\nDocument Source - Any - CFPB (Consumer Financial Protection Bureau) Fannie Mae Freddie Mac HUD (Housing and Urban Development) IRS (Internal Revenue Service) SSA (Social Security Administration) State Agencies\n"}
diff --git a/chunks/json/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.json b/chunks/json/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.json
new file mode 100644
index 0000000000000000000000000000000000000000..29ccdb93c4b6f4fb225870ff0b93d712bcbbd277
--- /dev/null
+++ b/chunks/json/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":590366,"char_start":588504,"chunk_id":"chk_b1d30c0364081cea","chunk_index":348,"chunk_sha256":"c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba","token_estimate":466,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectName\n\nSALES\nCOMPARISON\nAPPROACH\n\nPhase\n\nProject Phase\nIdentifier\n\nThe current phase number of a multi-\nphase development project.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectPhaseI\ndentifier\n\nSALES\nCOMPARISON\nAPPROACH\n\nProximity to Subject\n\nProximity To\nSubject\nDescription\n\nA free-form text field used to describe the\nproximity of a comparable property to the\nsubject property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nProximityToSubjectDescription\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale Price\n\nProperty Sales\nAmount\n\nThe sales price of the referenced property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@PropertySales\nAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nSales Price/Gross Liv. Area\n\nSales Price Per\nGross Living Area\nAmount\n\nThe sales price in terms of dollars per\nsquare foot of gross living area. This is a\nratio between the sales price and an area,\nbut it is a monetary value rather than a\nfactor or rate. (CALCULATED\nRESULTS FIELD)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPricePer\nGrossLivingAreaAmount\n\n35\n\n20\n\n35\n\n20\n\n35\n\n20\n\n35\n\n30\n\n40\n\n2\n\n10\n\n35\n\n35\n\n35\n\n11\n\n12\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nMust conform to USPS (Pub 28). The following address elements should be included\nin this field:\n• Street number\n• Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n"}
diff --git a/chunks/json/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.json b/chunks/json/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.json
new file mode 100644
index 0000000000000000000000000000000000000000..c8f5a9d153b22191f84aee9b5d9d3f1a17d5471a
--- /dev/null
+++ b/chunks/json/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10933,"char_start":8791,"chunk_id":"chk_ae4088a0cd8edd3b","chunk_index":5,"chunk_sha256":"c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_af426239ede525c7","text_sha256":"c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b","token_estimate":535,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Resources_Management_Strategic_Plan____3nju4.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13451&order=field_release_date&sort=asc) Report Attachment August 18, 2025 [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025) [Read Report](/document/open-data-plan-2025.pdf) March 11, 2024 [FHFA Information Resources Management Strategic Plan FY 2024-2026](/reports/information-resources-management-strategic-plan/2024-2026) [Read Report](/document/fhfa-information-resources-management-strategic-plan-fy-2024-2026)\n"}
diff --git a/chunks/json/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.json b/chunks/json/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.json
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index 0000000000000000000000000000000000000000..ac042838fe79c5462861671e8c0514e13d72627c
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+++ b/chunks/json/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":283782,"char_start":282044,"chunk_id":"chk_1764babce46435ee","chunk_index":162,"chunk_sha256":"c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 130 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nX. PARTIES TO THE TRANSACTION DATA\n\nTable 69 is organized differently from the others in the I-Guide because the implementation for PARTIES is not hierarchical.\nIn the MISMO standard, INDIVDUAL and LEGAL_ENTITY are what is known as a “Choice Group”. This means that only one can\nbe a child of PARTY or the XML file will fail schema validation. In other words, only one can be “chosen” and then the rest of\nthe child containers under PARTY are used as normal.\n\nCertain UIDs for borrower and property seller are bolded in blue to indicate that there is just one occurrence of these data\npoints regardless of whether the borrower or property seller is an individual or legal entity (rare). They are repeated in the\ntable under both the INDIVIDUAL and LEGAL_ENTITY sections.\n\nTable 69. XML File Container Structure for Parties to the Transaction Data.\n\nUCD UIDs\n\n999.261\n\nPARTIES\n\nContainers\n\nUCD Usage Notes\n\nGroups sets of information about each party to the\nclosing transaction by their role.\n\nINDIVIDUAL\n\n999.429 | 999.276 | 999.411 |\n999.309 | 999.309 | 999.440\n 999.343 | 999.378\n\nPARTY\n\n▪ Holds child containers with name, address, role,\n\nand license child containers.\n\n▪ A minimum of three instances of PARTY under\n\nDEAL must exist in every XML file for the\nborrower, lender and settlement agent.\n\n▪ Note that one other PARTY (under DEAL_SETS) is\nalso required in every XML file to identify the file\nsubmitter. See III.A.2.b File Submitter Data.\n\nHolds name data points for an individual. In UCD,\nindividuals can be borrowers and/or property sellers\nand are contact personnel for companies taking part\nin the transaction.\n"}
diff --git a/chunks/json/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.json b/chunks/json/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.json
new file mode 100644
index 0000000000000000000000000000000000000000..f9611494ccdc58b2661696996f6c6546430ced13
--- /dev/null
+++ b/chunks/json/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":22386,"char_start":20714,"chunk_id":"chk_b59dde0e29a78a7f","chunk_index":11,"chunk_sha256":"c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 9 of 22\n\nColumn Name\n\nColumn Name Description\n\nULDDS Conditionality\n\nFNM Conditionality\n\nThis column lists the GSE conditionality of the corresponding\nMISMO data point as originally defined in the ULDDS. The\nconditionality column lists contains one of three indicators:\n Required (R): The corresponding data point must be included\nin the loan delivery XML file on all loan delivery transactions.\n Conditionally Required (CR): The corresponding data point\nmust be included in the loan delivery XML file on all loan\ndelivery transactions when a defined business condition exists.\nThese conditions are consistent for each of the GSEs’ loan\ndelivery applications.\n\n Conditionally Independent (CI): The corresponding data point\nmust be included in the loan delivery XML file on all loan\ndelivery transactions when a defined business condition exists.\nThese conditions are NOT consistent for both of the GSEs’ loan\ndelivery applications. Refer to the GSE’s Conditionality column\nto determine the appropriate usage of the data point.\n\nlists the Fannie Mae conditionality of\n\nThis column\nthe\ncorresponding MISMO data point. The column lists one of two\nconditionality indicators:\n Required (R): The data point must be included in the loan\n\ndelivery XML file on all loan delivery transactions.\n\n Conditionally Required (CR): The corresponding data point\nmust be included in the loan delivery XML file on all loan\ndelivery transactions when a defined business condition exists.\nThese conditions are consistent for each of the GSEs’ loan\ndelivery applications. The conditionally required parameters are\nprovided as well.\n"}
diff --git a/chunks/json/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.json b/chunks/json/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.json
new file mode 100644
index 0000000000000000000000000000000000000000..d785ad98a50d792a4fbe7705ef0327fcbbde69c2
--- /dev/null
+++ b/chunks/json/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16653,"char_start":16066,"chunk_id":"chk_c6cf2fd99c1356ed","chunk_index":24,"chunk_sha256":"c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe","token_estimate":418,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"View and Impact to Value/Marketability (H1) .................................................................................................... 39\n\nSite Features and Impact to Value/Marketability (H1) ....................................................................................... 39\n\nUtilities and Impact to Value/Marketability (H1) ............................................................................................... 39\n\nApparent Defects, Damages, Deficiencies (Site) (H1) ......................................................................................... 40\n"}
diff --git a/chunks/json/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.json b/chunks/json/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.json
new file mode 100644
index 0000000000000000000000000000000000000000..28f08284e600941ce7b1fc2a5f15833cb68ba5ea
--- /dev/null
+++ b/chunks/json/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20115,"char_start":18512,"chunk_id":"chk_bdec299429d0b74d","chunk_index":11,"chunk_sha256":"c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf"]},"text":"The common elements appear to be adequately maintained. Within this project you have access to parking spaces adequate for the size of the\ncommunity and have access to a common pool and spa area.\n\nProject Information Exhibits\n\nCommon Amenity or Service - Indoor Pool\n\nCommon Amenity or Service - Spa\n\nThis is where the Inground Spa photo would display.\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 12 of 22\nPage 12 of 22\n\nProject Information (continued)\n\nObserved Deficiency\n\nThis is where the Observed Deficiency photo would display.\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings\n\nData Source\n\nNone\nProperty Owner\n\nPrior 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\nTypically Motivated\n\nDate\n07/10/2017\n\nAmount\n$700,000\n\nData Source\nAssessor Record\nMLS\n\nAnalysis of Prior Sale and Transfer History of Subject Property There has been little fluctuation in the market during the past 4 years.\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#\n#1 None\n\nTransfer Terms\n\nAmount\n\nDate\n\nData Source\nAssessor Record\nMLS\n\n#2\n\nTypically Motivated\n\n10/01/2018\n\n#3\n\nTypically Motivated\n\n12/31/2018\n\nTypically Motivated\n\n09/15/2018\n\n#4 None\n\n$779,000\n"}
diff --git a/chunks/json/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.json b/chunks/json/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.json
new file mode 100644
index 0000000000000000000000000000000000000000..58d3ec572c134af3ffd2ecae05d12e08a95612d4
--- /dev/null
+++ b/chunks/json/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":726111,"char_start":724428,"chunk_id":"chk_a0fb227f47480930","chunk_index":430,"chunk_sha256":"c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"CR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 132 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n72\n\n73\n\n74\n\n75\n\n76\n\n77\n\n78\n\n79\n\n80\n\n81\n\n82\n\n83\n\n84\n\n85\n\n86\n\n87\n\n88\n\n89\n\n90\n\n91\n\n92\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n67\n\n68\n\n69\n\n70\n\n71\n\n72\n\n73\n\n74\n\n76\n\n77\n\n78\n\n79\n\n80\n\n82\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nDemand/Supply\nOver Supply\n\nMarketing Time\nUnder 3 mths\n\nMarketing Time\n3-6 mths\n\nMarketing Time\nOver 6 mths\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\n75\n\nNEIGHBORHOOD\n\nCondominium Housing\nPrice $ (000)\nLow\nCondominium Housing\nPrice $ (000)\nHigh\nCondominium Housing\nPrice $ (000)\nPred.\nCondominium Housing\nAge (yrs)\nLow\n\nCondominium Housing\nAge (yrs)\nHigh\n\nCondominium Housing\nAge (yrs)\nPred.\n\nNEIGHBORHOOD\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOne-Unit\n\nNEIGHBORHOOD\n\nPresent Land Use %\n2-4 Unit\n\nNEIGHBORHOOD\n\nPresent Land Use %\nMulti-Family\n\nNEIGHBORHOOD\n\nPresent Land Use %\nCommercial\n\nNEIGHBORHOOD\n\nPresent Land Use %\nOther\n\n83\n\nNEIGHBORHOOD Neighborhood Boundaries\n\nNeighborhood\nDemand Supply\nType\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nHousing Low Price\nAmount\nNeighborhood\nHousing High Price\nAmount\nNeighborhood\nHousing\nPredominant Price\nAmount\nNeighborhood\nHousing Newest\nYears Count\n"}
diff --git a/chunks/json/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.json b/chunks/json/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.json
new file mode 100644
index 0000000000000000000000000000000000000000..3e57c68747781b3c59e9a681a6c87df2026ed3a7
--- /dev/null
+++ b/chunks/json/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9506,"char_start":7835,"chunk_id":"chk_c396db77d2c7b341","chunk_index":5,"chunk_sha256":"c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2024-002 Key Concepts - Defining the Property: Corrected Report Field ID for Unit is an ADU (10.011).\n\nOverview\n\n2024-039 Key Concepts - Impact: Clarified the ‘Definition / Additional Guidance’ column for Neutral impacts.\n\n2024-037 Key Concepts - Photos and Images: Corrected photo requirements for vehicle storage.\n\nHeader and Footer 2024-028 Updated date in footer to September 2024.\n\n01 Summary\n\n2024-021\n\nUpdated allowable answers for Market Value Condition (1.009), the ‘Definition / Additional Guidance’ and ‘Allowable\nAnswers/Format’ columns for Final Value Condition Statement (1.002), and the ‘When to Include’ and ‘Definition /\nAdditional Guidance’ columns for As Is Overall Condition Rating (1.082).\n\n2024-002 Corrected the ‘When Displayed in Summary Section’ column for Subject Site Owned in Common (1.020).\n\n02 Assignment\n\n2024-002 Corrected typo in Lender, Client, and AMC: The client is the party who engages an appraiser.\n\nAppendix F-1: URAR Reference Guide\n\nPage 3 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRevision History\n\nReference Guide\nChapter\n\nChange #\n\nVersion 1.2 (Published September 17, 2024)\n\nRevision Description\n\n04 Site\n\n2024-029 Corrected the ‘When to Include’ column for Access to Property Typical for the Market (4.023).\n\n07 Sketch\n\n2024-047 Clarified the ‘Definition / Additional Guidance’ for Measurement Standard (7.001).\n\n2024-008\n\nCorrected the ‘When to Include’ column for Above Grade Finished Area (Nonstandard) (10.004) and Below Grade Finished\nArea (Nonstandard) (10.007).\n\n10 Unit Interior\n\n2024-042 Clarified that the “Unfinished” row does not display In Level and Room Detail if Unfinished Area of Level is 0 (10.031).\n"}
diff --git a/chunks/json/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.json b/chunks/json/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.json
new file mode 100644
index 0000000000000000000000000000000000000000..fa2b3f61a283dc762ce4c70a9485ecb8b3c1bdec
--- /dev/null
+++ b/chunks/json/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":297871,"char_start":296252,"chunk_id":"chk_18bd48b84a889b87","chunk_index":174,"chunk_sha256":"c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\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\n386\n\n2\n\n124\n\nSALES\nCOMPARISON\nAPPROACH\n\nIndicated Value by:\nSales Comparison\nApproach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject\nproperty indicated by the Sales\nComparison approach.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/@ValueIndi\ncatedBySalesComparisonApproachAmount\n\n12\n\nMoney\n\n387\n\n2\n\n125\n\nRECONCILIATION\n\nIndicated Value by:\nSales Comparison\nApproach $\n\nValue Indicated By\nSales Comparison\nApproach Amount\n\nThe dollar value of the subject\nproperty indicated by the Sales\nComparison approach.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/@ValueIndi\ncatedBySalesComparisonApproachAmount\n\n12\n\nMoney\n\n126\n\nRECONCILIATION\n\nIndicated Value by:\nSales\nCost Approach (if\ndeveloped) $\n\nValue Indicated By\nCost Approach\nAmount\n\nThe dollar value of the subject\nproperty indicated by the Cost\nApproach method of property\nvaluation.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/COST_ANALYSIS/@ValueIndicated\nByCostApproachAmount\n\n12\n\nMoney\n\n388\n\n389\n\n390\n\n2\n\n2\n\n2\n\n127\n\nRECONCILIATION\n\nIndicated Value by:\nSales\nIncome Approach (if\ndeveloped) $\n\nValue Indicated By\nIncome Approach\nAmount\n\nThe dollar value of the subject\nproperty indicated by the Income\nApproach method of property\nvaluation.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/INCOME_ANALYSIS/@ValueIndica\ntedByIncomeApproachAmount\n\n12\n\nMoney\n\nPDF Display Format:\nWhole dollars only\n\n128\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nSummary Comment\n"}
diff --git a/chunks/json/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.json b/chunks/json/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.json
new file mode 100644
index 0000000000000000000000000000000000000000..f9e917847530687f9a812426b7970fb74333fa99
--- /dev/null
+++ b/chunks/json/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3500,"char_start":1649,"chunk_id":"chk_2088db6818d7d306","chunk_index":1,"chunk_sha256":"c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392","token_estimate":463,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"project name and associated CPM ID.\n\n▪ When the project match occurs using the CPM ID, a message will be issued specifying the project name.\n\n▪ When the project match occurs based on the project name, and there are multiple projects with similar names in\n\nCPM, a message will be issued specifying the project name that is the closest match.\n\n▪ DU will also issue a message when a match to a project cannot be found. This message will instruct the lender to\n\nrequest that the project be added to CPM, or to provide the CPM ID and resubmit the loan casefile to DU.\n\nNote: When neither the CPM ID nor the complete address with a project name are provided, DU will not attempt to contact\nCPM. A message will be issued reminding the lender that for DU to determine the project in which the property is located, the\nCPM ID or the project name and complete property address must be provided.\n\nCPM Information\n\nWhen a match to a project in CPM is found, DU will issue messaging regarding the status of the project in CPM, and the eligibility\nof the project and transaction based on information returned by CPM.\n\n© 2025 Fannie Mae.\n\n3.19.25\n\n1 of 4\n\nStatus Information\n\nDU will return the following Fannie Mae status messages:\n\n▪ Approved by Fannie Mae: The message will specify that the project has an Approved by Fannie Mae status and that\n\nthe lender must validate that the project and unit have the required insurance coverage.\n\nNote: Loans that receive a CPM Approved by Fannie Mae status message in DU will retain the Approved by Fannie Mae status\nup to the credit report expiration date specified on the DU Underwriting Findings report. If the lender changes the CPM ID,\nproject name, address (state or zip code), or credit report in DU, the project eligibility status may change and result in the\nloss of the CPM Approved by Fannie Mae status message.\n"}
diff --git a/chunks/json/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.json b/chunks/json/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.json
new file mode 100644
index 0000000000000000000000000000000000000000..718e7544a4078e990c1edd28514d9c4e7ac084d8
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+++ b/chunks/json/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":185723,"char_start":184073,"chunk_id":"chk_d10859c74298eb5e","chunk_index":108,"chunk_sha256":"c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 72 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nEasement\n\n04 Site\n\nEasements affecting the subject property are identified in this subsection. The appraiser must identify\neasements granted by neighboring properties to the subject property, in addition to any easements granted by\nthe subject property to a neighboring property. Use the most appropriate description from the list provided.\n\nThere is one row in the Site Features table for each Easement. If there are no easements, this row does not\ndisplay.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.054\n4.055\n\nEasement\n(Detail)\n\nIf applicable\n\n4.056\n\nEasement\n(Impact)\n\nRequired for each\neasement\n\n4.057\n\nEasement\n(Comment)\n\nRequired for each\neasement if Impact is\nAdverse or Beneficial,\nor as needed\n\nEncroachment\n\nSite: Site Features - Easement\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nDefinition / Additional Guidance\n\nEasement: A nonpossessory right to cross or otherwise use a portion of another\nproperty for a specified purpose.\n•\n•\n•\n•\n•\nNote: Do not report easements that are typical or common to the market.\n\nConservation\nDrainage\nIngress/Egress\nUtility (other than typical property utility easements)\nOther (Describe)\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information, including if the easement is on a neighboring property.\n"}
diff --git a/chunks/json/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.json b/chunks/json/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.json
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index 0000000000000000000000000000000000000000..715108c8bee8b98956c8cefc987ac80d7c42db7b
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+++ b/chunks/json/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1623,"char_start":0,"chunk_id":"chk_12717586496573f7","chunk_index":0,"chunk_sha256":"c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4","token_estimate":406,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix C‐2: Restricted Appraisal Update Report with Report Field IDs\nDocument Version 1.2\nSeptember 17, 2024\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\n9/17/2024\n\nVersion\nNumber\n1.2\n\n12/12/2023\n\n1.1\n\n3/29/2023\n\n1.0\n\nIntroduction\n\nReport Section\n\nChange #\n\nRevision Description\n\nFooter\nFooter\nCertifications\nand Scope of\nWork\n\n2024‐028\n2023‐061\n\n2023‐003\n\nUpdated date in Footer (HF.004) to September 2024.\nUpdated date in Footer (HF.004) to December 2023.\nUpdated predefined text for Scope of Work (05.001) and all Supervisory\nAppraiser Certifications (05.033‐036, 05.048‐051).\nClarified that Contact Name(s) (05.025) display for Appraiser Certification 13.\nInitial publication\n\nThe purpose of this document is to show all possible Report Labels that may display on the Restricted\nAppraisal Update Report, regardless of conditionality. This is not intended to represent a realistic report\nas an appraisal update will never contain all of the available fields in one report. The red superimposed\nnumbers are Report Field IDs.\n\nTerm\nReport Label\nReport Field ID (FID)\n\nDefinition\nThe name of the field as shown on the Restricted Appraisal Update Report.\nA red number identifying the specific location of the field on the Restricted Appraisal Update Report. Report Field ID\n(FID) is also referenced in:\n\n\n\n"}
diff --git a/chunks/json/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.json b/chunks/json/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.json
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index 0000000000000000000000000000000000000000..95d8cb6147c91162a0794b24f1250df4fae39082
--- /dev/null
+++ b/chunks/json/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21393,"char_start":19634,"chunk_id":"chk_4789e06385da6333","chunk_index":12,"chunk_sha256":"c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066","token_estimate":440,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Page 16 of 30\nPage 16 of 30\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ4\nQ4\nQ4\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC1\nC1\nC1\n\nReconciliation of Overall Quality and Condition\n\nThe building is a standard building plan with standard grade building materials.\n\nHighest and Best Use\n\nIs the present use of the subject property ...\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nThe property is outside the city limits and all types of single family development is allowed.\n\nMarket\n\nMarket Area Boundary Bounded on the East by FM - 2222; bounded on the South by County Road 4000; bounded on the West by Lake\nVirginia; bounded on the North by County Road 1000\n\nSearch Criteria Description Search was limited by lot sizes between 25,000 Sq. Ft. and 10 acres. Other limiting factors in the search included\nYear Built (2000+), Double Wide Manufactured Homes, and Water Front.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n10\n60\n$95,000\n$450,000\n$600,000\n4\n\nSales in Past 24 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n17\n$200,000\n$404,000\n$620,000\nYes\nPrice Trend\nLocal MLS\nAlpine Gazette\n\nPrice Trend Analysis Commentary The Alpine Gazette is a local print media that reports non-MLS home sales and listings. The data includes\ninformation from both sources, which indicate an overall increase in property values.\n"}
diff --git a/chunks/json/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.json b/chunks/json/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.json
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index 0000000000000000000000000000000000000000..f43135d8c5c43506c83f48bff94297e2bb9542cb
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+++ b/chunks/json/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7442,"char_start":7143,"chunk_id":"chk_285e25cb59aeaaf7","chunk_index":4,"chunk_sha256":"c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0e016e5dd2b05fe3","text_sha256":"c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c","token_estimate":75,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-march-2024.pdf","below_target_min_tokens"]},"text":"If you have questions about this Integration Impact Memo or if you require support specific to this release, contact Integration\nSupport. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae\nrepresentative.\n\n© 2024 Fannie Mae\n\n4 of 4\n"}
diff --git a/chunks/json/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.json b/chunks/json/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.json
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+++ b/chunks/json/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.json
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+{"chunk":{"char_end":678042,"char_start":676439,"chunk_id":"chk_04b6f959c344d2e0","chunk_index":401,"chunk_sha256":"c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_State\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode\n\nContact Point\nValue\n\nContact Point\nValue\n\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO\nNTACT_POINT[@_Type=‘Phone’]/@_Value\n\nThis is the actual value (Phone, Fax, E-\nMail, Other) of the Contact Point Type.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO\nNTACT_POINT[@_Type=‘Email’]/@_Value\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nDate of Signature\n\nSupervisor Report\nSigned Date\n\nIndicates the date the supervisor signed\nthe report.\n\n/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate\n\n528\n\n6\n\n34\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState Certification #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[\n@_Type=‘Certificate’]/@_Identifier\n\n529\n\n530\n\n6\n\n6\n\n35\n\n36\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nor State License #\n\nAppraiser License\nIdentifier\n\nState license number of the appraiser who\ncompleted the final estimate of value for\nthe subject property.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[\n@_Type=‘License’]/@_Identifier\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nState\n\nAppraiser License\nState\n\nThe state in which the appraiser is\nlicensed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/\n@_State\n\n25\n\n25\n\n45\n\n45\n\n2\n\n10\n\n50\n\n50\n\n10\n\n50\n\n25\n\n2\n\nData Point Field\nLength\n\nFormat\n"}
diff --git a/chunks/json/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.json b/chunks/json/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.json
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index 0000000000000000000000000000000000000000..c446873d7d2d32d08b57045f2840e0fdd4f53692
--- /dev/null
+++ b/chunks/json/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21707,"char_start":19915,"chunk_id":"chk_7c9fee81dd25d86a","chunk_index":12,"chunk_sha256":"c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3","token_estimate":448,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Example of Document Level Results for All Report Types – Freddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nSubmission Findings Results\n\nSubmission Findings Results are included within the Document Level Results of each appraisal report submission and\npresent the findings specific to that submission.\n\nLoan Metadata\n\nDocument File ID\n\nAppraisal [1, 2, or 3] - URAR\n\nUpdate or Completion Report\n\nDocument Level Results\n\nSubmission Findings Results\n\nDocument Level Results\n\nSubmission Findings Results\n\nUpdate or Completion Report\n\nDocument Level Results\n\nSubmission Findings Results\n\nSeverity Ratings\n\nSeverity indicates the level of impact and guides how urgently each finding should be addressed. While not all findings may\nbe cleared from the SSR, all findings should be reviewed and considered.\n\nDefinition\n\nAppears on\n[FNM, FRE, Both] *\n\nSeverity\nRating\n\nFatal\n\nSevere\n\nWarning\n\nThese findings will cause the Document File Status and Document Status\nto be “Not Successful.” The only way to clear a Fatal severity finding is to\nchange the underlying data and resubmit a corrected appraisal report file.\n\nThese findings indicate the collateral representation and warranty relief for\nproperty value eligibility decision is impacted. Message(s) should be\nreviewed, and action may need to be taken; however, these findings will\nnot impact the Document File Status or Document Status.\n\nThese findings signal that an issue has been found that should be reviewed\nand action may need to be taken; however, these findings will not impact\nthe Document File Status or Document Status.\n"}
diff --git a/chunks/json/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.json b/chunks/json/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.json
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index 0000000000000000000000000000000000000000..28c9780be7b28594ac0035b5f021732098ae2d7a
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+++ b/chunks/json/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3215,"char_start":1609,"chunk_id":"chk_89c8bb4edc5a3cc4","chunk_index":1,"chunk_sha256":"c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"Flooring\n\nFullyUpdated\n\nNewOrLikeNew\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nVaulted\n\nAboveGrade\n\n1568\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1568\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC2\n\nQ3\n\n1\n\nMetal plumbing fixtures\n\nFullyUpdated\n\nfalse\n\nOwnerOccupied\n\nLevelOne\n\nLaundryRoom\n\nPrimary Bedroom\n\n\\\\Images\\MH2_Bedroom_1.jpg\n\nimage/jpeg\n\nLevelOne\n\nBedroom\n\nBedroom 2\n\n\\\\Images\\MH2_Bedroom_2.jpg\n\nimage/jpeg\n\nLevelOne\n\nBedroom\n\nBedroom 3\n\n\\\\Images\\MH2_Bedroom_3.jpg\n\nimage/jpeg\n\nLevelOne\n\nBedroom\n\n\\\\Images\\MH2_Dining_Room.jpg\n\nimage/jpeg\n\nLevelOne\n\nDiningRoom\n\nBath 2\n\n\\\\Images\\MH2_Bath_2.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nMetal plumbing fixtures\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\nPrimary Bath\n\n\\\\Images\\MH2_Bath_1.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nMetal plumbing fixtures\n\nFullBathroom\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\MH2_Living_Room.jpg\n\nimage/jpeg\n\nLevelOne\n\nNewOrLikeNew\n\nAll appliances are Energy Star® Rated, countertops are solid surface.\n\nEnergy Star appliances and wood cabinets\n\nKitchen\n\nOneToFiveYears\n\nFullyUpdated\n\n\\\\Images\\MH2_Living_Room.jpg\n\nimage/jpeg\n\nLevelOne\n\nLivingRoom\n\nRanch\n\nManufactured\n\nSiteBuilt\n\nThe subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is estimated at 1-5 years.\n\n5\n\n1\n\n45\n\nAluminum\n\nSyntheticStone\n\nNewOrLikeNew\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nCrawlSpace\n\nNewOrLikeNew\n\nThe subject has a crawl space set on a poured concrete perimeter footer.\n\nFoundation\n\nOneToTenYears\n\ntrue\n\nAsphalt\n\nThe roof was installed at manufacturing and installation/set-up 2 years ago and is in like new condition.\n\nNewOrLikeNew\n"}
diff --git a/chunks/json/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.json b/chunks/json/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.json
new file mode 100644
index 0000000000000000000000000000000000000000..04c77fb1cf3bd657ffa6083a6c096aa158b8609f
--- /dev/null
+++ b/chunks/json/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":90605,"char_start":88717,"chunk_id":"chk_7fc84152c92d922b","chunk_index":48,"chunk_sha256":"c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1","token_estimate":472,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"IV. Duty To Serve Geographic\nIndicators Added to the PUDB\n\nFHFA’s Order revises the PUDB\n\nsingle-family and multifamily matrices\nto add in the Census Tract Files\ngeographic indicators that correspond to\nregions of focus under the Duty to Serve\nprogram.177 The geographic identifiers\ninclude codes for Rural, Lower\nMississippi Delta, Middle Appalachia,\n\n170 12 CFR 1003.4(a)(1)(ii).\n171 84 FR at 660.\n172 12 CFR 1003.4(a)(9)(i).\n173 84 FR at 663.\n174 12 CFR 1003.4(a).\n175 84 FR at 665.\n176 Official Interpretations, comment 2(n)–2.\n177 12 CFR part 1282, subpart C.\n\nPersistent Poverty County, Area of\nConcentrated Poverty, and High\nOpportunity Area. These codes will not\nflag individual loans purchased by the\nEnterprises that actually qualified for\nDuty to Serve credit, but rather whether\nthe mortgage property is located in one\nof these geographical areas that the Duty\nto Serve regulation identifies for\nEnterprise efforts.\n\nSince the geographic indicators can\nalready be derived from the census tract\ndisclosed in the PUDB Census Tract\nFiles and other public data, they will\nnot introduce any new privacy or\nproprietary data concerns, nor will they\nnecessitate any additional reporting by\nthe Enterprises.\n\nThe Safety and Soundness Act\nprovides that the Director shall make\nthe required PUDB data elements public\nin forms useful to the public.178 Adding\nthe geographic indicators in the PUDB\nwill provide greater transparency to the\npublic about the Enterprises’ Duty to\nServe activities.\n\nV. Order\n\nFor the convenience of the affected\n\nparties, and the public, the Order is\nrecited below in its entirety. The Order\nis also available for public inspection\nand copying at FHFA’s Freedom of\nInformation Act (FOIA) Reading Room\nat https://www.fhfa.gov/AboutUs/\nFOIAPrivacy/Pages/Reading-Room.aspx\nby clicking on ‘‘Click here to view\nOrders’’ under the Final Opinions and\nOrders heading.\n"}
diff --git a/chunks/json/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.json b/chunks/json/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.json
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+++ b/chunks/json/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5148,"char_start":3550,"chunk_id":"chk_2f6e3dc56910fc42","chunk_index":2,"chunk_sha256":"c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Zoning Compliance\n\nLegal Nonconforming\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ5\nC4\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nAppraiser Reference ID 12345HIClient Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242-to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 2 of 29\nPage 2 of 29\n\nNEW PG\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBetty Borrower\nSydney Seller\nSydney Seller\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nRandom National Bank\n123456 Main St\nNowhere, NE 98765\n\nTom Appraiser\nArthur Appraiser Appraisals\n98765 Holiday Hwy\nSurfside, HI 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n10/05/2019\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nArthur Appraiser\nASA\nArthur Appraiser Appraisals\n98765 Holiday Hwy\nSurfside, HI 12345\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n"}
diff --git a/chunks/json/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.json b/chunks/json/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.json
new file mode 100644
index 0000000000000000000000000000000000000000..e37decad352f57772ff2e91e49ed0121f45d30b1
--- /dev/null
+++ b/chunks/json/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":127523,"char_start":125924,"chunk_id":"chk_f1a5be8f2b36997c","chunk_index":73,"chunk_sha256":"c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\n3.004\n\nReport Label\n\nWhen to Include\n\nAttachment\nType\n\nAlways required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Attachment Type)\n\nDefinition / Additional Guidance\n\nType of attachment to a neighboring property.\n•\n•\n\nAttached\nDetached\n\n3.005\n\nUnits Excluding\nADUs\n\nAlways required\n\nNumber\n\nNumber of separate living units on the subject property, not counting any\nADUs. ADUs are entered in a separate field (3.006) but are considered in the\noverall unit count.\nExamples:\n•\n\nA single-family property (with or without an ADU) is reported as 1 unit in\nthis field.\nA three-unit property (with or without an ADU) is reported as 3 units in\nthis field.\n\n•\n\nNotes:\n•\n\n•\n\n2- to 4-unit properties are identified using Units Excluding ADUs between\n2 and 4.\nThis data point is for the number of units in the subject property only. The\nnumber of units in a project is reported as Total Units (18.006) in the\nProject Information section, and not here.\n\n3.006\n\nAccessory\nDwelling Units\n\nAlways required\n\nNumber\n\nNumber of ADUs on Subject Property\nNotes:\n•\n•\n\nEnter zero (0) if there are no ADUs on the property.\nADUs may be in the dwelling, attached to the dwelling, or associated with\na separate building (outbuilding).\n\nAppendix F-1: URAR Reference Guide\n\nPage 49 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Subject Property\n\nReport\nField ID\n\n3.007\n\nSubject Property: Attachment Type and Number of Units, ADUs, and Dwellings\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nDwellings\nContaining Units\n\nAlways required\n"}
diff --git a/chunks/json/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.json b/chunks/json/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.json
new file mode 100644
index 0000000000000000000000000000000000000000..56f92f33aeb90023828b529966907d939b0182c4
--- /dev/null
+++ b/chunks/json/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":229014,"char_start":227392,"chunk_id":"chk_1f13b4ad85058862","chunk_index":133,"chunk_sha256":"c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"299\n\n2\n\n53\n\nSALES\nCOMPARISON\nAPPROACH\n\nSale or Financing\nAdjustment\n(Line 1)\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Sal\nesConcessions']/@_Amount\n\n300\n\n2\n\ne-26\n\nSALES\nCOMPARISON\nAPPROACH\n\nConcessions\n(Line 2)\n\nGSE Financing Type\n\nThe type of financing associated with\nthe comparable transaction.\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEFinancingType\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n4\n\nString\n\nMust provide a whole number or 'Unk' if not known.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n35\n\nString\n\n17\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the\nXML file, they must be shown exactly as they appear below:\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\nListing Listing *\n"}
diff --git a/chunks/json/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.json b/chunks/json/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.json
new file mode 100644
index 0000000000000000000000000000000000000000..5087bd19ace2fc312ba129a482d153f98c075532
--- /dev/null
+++ b/chunks/json/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":272121,"char_start":270543,"chunk_id":"chk_31d6a012960e0cff","chunk_index":158,"chunk_sha256":"c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba","token_estimate":439,"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 finished bathrooms in the basement.\n\n3\n\nNumeric\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nn.n\n\nUAD 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\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nPDF Display Format:\nNumeric, 1-digit\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n20\n\nString\n\nThis is a free text field which should describe the functional utility.\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nThis field is required if the value of field e-19\n(GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 2-84 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-86 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69,\n2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n"}
diff --git a/chunks/json/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.json b/chunks/json/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.json
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index 0000000000000000000000000000000000000000..321f1e6b23d95c22983c52aee70469c619c0b291
--- /dev/null
+++ b/chunks/json/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48063,"char_start":46428,"chunk_id":"chk_17bf1a2a31033449","chunk_index":24,"chunk_sha256":"c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"LoanAmortizationPeriodType: The duration of time used to define the\n\nperiod over which the loan is amortized.\n\nA loan amortized over 30 years would have a\nLoanAmortizationPeriodCount of “360” and a LoanAmortizationPeriodType\nof “Month.”\n\nLoanMaturityPeriodCount: The scheduled number of periods (as defined by\n\nLoan Maturity Period Type) after which a debt will mature.\n\nLoanMaturityPeriodType: The unit of time used for defining the period over\n\nwhich the loan matures.\n\nA 15-year loan would have a LoanMaturityPeriodCount of “180” and a\nLoanMaturityPeriodType of “Month.”\n\nNotes: The GSEs consistently use the valid value of “Month” or “Monthly”\n\nthroughout the ULDDS for PeriodType. The exception to this rule is\nthe use of “Biweekly” for Biweekly loans and “Day” for Daily Simple\nInterest loans.\n\nii. Amount / Type / Source: One or both of the GSEs require data points that\n\ncan be identified by a dollar amount, the medium used to convey the amount,\nand the source providing the amount. All three of these data points must be\nprovided to properly communicate information about these funds.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 16 of 76\n\nSection III. Using the MISMO v3.0 Logical Data Dictionary\n\nExample III-9. Using Amount/Source/Type Data Points for Loan Delivery.\n\nClosingCostContributionAmount: The dollar amount of the individual Closing\n\nCost Funds Type.\n\nClosingCostFundsType: Specifies the general names (type) of items commonly\n\nused as payment for the closing costs in a mortgage loan transaction.\n"}
diff --git a/chunks/json/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.json b/chunks/json/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..d28d3878454d2d2a917df632ebbda5bf1bccca40
--- /dev/null
+++ b/chunks/json/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":177902,"char_start":176264,"chunk_id":"chk_5d495099c94f6827","chunk_index":98,"chunk_sha256":"c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\n- 75 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 52. XML Snippet-Example of Projected Payments Table Year Range Data.\n\n<ProjectedPaymentEstimatedTotalMaximumPaymentAmount>1808</ProjectedPaymentEstimatedTotalMaximumPay\n\n<ProjectedPaymentEstimatedTotalMinimumPaymentAmount>1363</ProjectedPaymentEstimatedTotalMaximumPaym\n\nmentAmount>\n\nentAmount>\n\n<ProjectedPaymentMIPaymentAmount>0.00</ProjectedPaymentMIPaymentAmount>\n<ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount>1452</ProjectedPaymentPrincipalAndInterestMaxi\n\nmumPaymentAmount>\n\n<ProjectedPaymentPrincipalAndInterestMinimumPaymentAmount>1007</ProjectedPaymentPrincipalAndInterestMaxi\n\nmumPaymentAmount>\n\n</PROJECTED_PAYMENT>\n </PROJECTED_PAYMENTS>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 76 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nK. MISCELLANEOUS AND SECTION HEADING DATA\n\n1. MISCELLANEOUS DATA\nThe INTEGRATED_DISCLOSURE_DETAIL container holds several data points that are unrelated outside of the fact they all\nappear on the CD: two for first year escrowed and non-escrowed property costs, one to indicate a subject home equity loan\nand one to provide the CD disclosure date.\n\nTable 40. XML File Container Structure for Miscellaneous and Section Heading Data.\n\nUCD UIDs\n\nContainers\n\nCD Section Supported\n\n999.133\n\nINTEGRATED_DISCLOSURE_DETAIL\n\nHolds miscellaneous data points supporting CD fields or calculations.\n\na. Home Equity Loan Data\n\nIf the subject loan is a home equity loan, the value of IntegratedDisclosureHomeEquityLoanIndicator is “true” and “Home\n"}
diff --git a/chunks/json/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.json b/chunks/json/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.json
new file mode 100644
index 0000000000000000000000000000000000000000..986502f0fe7c3a75478086d0a9959908e392df5e
--- /dev/null
+++ b/chunks/json/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1654,"char_start":0,"chunk_id":"chk_0fa54d406f6efc41","chunk_index":0,"chunk_sha256":"c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_74693827ca0fe5b1","text_sha256":"c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021.pdf"]},"text":"Desktop Underwriter Validation Service\nRelease Notes\n\nFeb. 22, 2021\nDuring the weekend of April 17, 2021, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation service,\nwhich will include the changes described below. Unless specified below, these changes will apply to conventional loan casefiles\ncreated on or after Nov. 2, 2020 and submitted or resubmitted to DU after the April update.\n\nThe changes in this release include the following:\n\n Message change when employer name in DU is not matched to employer in the Income and Employment Verification\n\nReport (VOI/E)\n\n Asset validation changes\n DU validation service message changes\n\nMessage change when employer name in DU is not matched to employer name on the\nEmployment and Income Verification Report\nWhen the employer name in DU does not match the employer name on the VOI/E report, the DU validation service returns a\nmessage with the employer name from the VOI/E report listed as “Missing.”\n\nIn order to provide more details about what is observed in the VOI/E report, this message will be updated as follows:\n\n• The employer name(s) observed in the VOI/E report will be displayed, instead of the word “Missing”, and\n• The reason given for employment not being validated will be provided.\n\nAsset validation changes\n\nAsset validation when gift funds exist\nCurrently, when a Verification of Assets (VOA) report has been obtained by DU, and gift funds are entered in DU, the DU validation\nservice will not attempt to validate assets. In these cases, DU will issue a message indicating that the loan is not eligible for asset\nvalidation because the loan includes a gift.\n"}
diff --git a/chunks/json/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.json b/chunks/json/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.json
new file mode 100644
index 0000000000000000000000000000000000000000..0a1a3dbd1665a770041d771ea54da01c4d02d912
--- /dev/null
+++ b/chunks/json/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2433,"char_start":1676,"chunk_id":"chk_6f9e23a77d3442f1","chunk_index":1,"chunk_sha256":"c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6","date_utc":"2026-01-27T18:09:42+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4b84687769a9b9b0","text_sha256":"c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6","token_estimate":186,"warnings":["source_path=Assorted/_.pdf/intro_uad_puf_hsug_20240112.pdf","below_target_min_tokens"]},"text":"Characteristics and Trends\n\nProperty Valuation\n• Appraised Value\n• Contract Price\n• Appraisal Value to Contract Price\n\nRatio\n\nProperty Information\n• Lot Size\n• Gross Living Area\n• Number of Bedrooms\n• Number of Bathrooms\n• Quality of Construction Rating\n• Condition Rating\n• Updated Within Last 15 Years\n\nComparable Properties\n• Num of Comps Used\n• Average Proximity of Comps\n• Average Adjusted Sale Price of Comps\n• Average and Median Adjustments\n\nDisclosure avoidance implemented\n\n4\n\nData Summary 1\n\n5\n\nData Summary 2\n\n6\n\nData Summary 3\n\n7\n\nData Summary 4\n\n8\n\nData Summary 5\n\n9\n\nData Summary 6\n\n10\n\nData Summary 7\n\n11\n\nData Summary 8\n\n12\n\nData Summary 9\n\n13\n\nData Summary 10\n\n14\n\nData Summary 11\n\n15\n\nData Summary 12\n\n16\n\nData Summary 13\n\n17\n"}
diff --git a/chunks/json/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.json b/chunks/json/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.json
new file mode 100644
index 0000000000000000000000000000000000000000..11e0b2a00d5c94514cd8303ab4a044207a497180
--- /dev/null
+++ b/chunks/json/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":535675,"char_start":533730,"chunk_id":"chk_558d26bc6293b111","chunk_index":304,"chunk_sha256":"c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"See the sections A. Contact Table Relationships in the UCD File and A. Borrower and Seller\nRelationships to Signature Line.\n\nUsers familiar with other Uniform Mortgage Data Program (UMDP) datasets are used to XML\nXPaths starting with “MESSAGE/DEAL_SETS/…..” Because the UCD specifies that a PDF copy of\nthe Closing Disclosure(s) be included in the XML file along with the data points populating the\nClosing Disclosure, the XPath must move from MESSAGE through DOCUMENT_SETS to indicate\nthat a document is embedded in the XML file:\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/ ….\n\nAppendix E: UCD Implementation Guide\n\nPage 250 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nVI. GLOSSARY\n\nTerm\n\nAppendix E\n\nAppendix H\n\nAppendix I\n\nARM\n\nATR\n\nVI. Glossary\n\nDefinition\n\nUniform Closing Dataset Specification – Appendix E: UCD Implementation Guide\n\nUniform Closing Dataset Specification – Appendix H: UCD Delivery Specification (.pdf\nversion)\n\nUniform Closing Dataset Specification – Appendix I: UCD Delivery Specification (.xls\nversion)\n\nAdjustable Rate Mortgage\n\nAbility to Repay Rule, part of Regulation Z. A lender must make a good-faith effort to\ndetermine that a borrower is able to repay a mortgage before taking it on. In practice this\nmeans lenders must generally find out, consider, and document a borrower’s income,\nassets, employment, credit history and monthly expenses.\n\nCFPB\n\nConsumer Financial Protection Bureau\n\nDocument Specific\nData\n\nData points contained within the DOCUMENT SPECIFIC DATA SETS structure of the v3.3.0\nReference Model created to support specific business reporting requirements. Their\ndefinitions are driven by the context of and specific usage within the form or document\nthey are intended to populate. In general, definitions of these data points do not conform\nto broader-based industry understanding, so they should not be used outside of the\nspecific document for which they were designed.\n"}
diff --git a/chunks/json/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.json b/chunks/json/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.json
new file mode 100644
index 0000000000000000000000000000000000000000..48069d885c2cab9b75b97990decb2ea74cf4ac68
--- /dev/null
+++ b/chunks/json/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3271,"char_start":1617,"chunk_id":"chk_91c7e8832940edaf","chunk_index":1,"chunk_sha256":"c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6ad800f8decaccc3","text_sha256":"c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf","token_estimate":414,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-2 Restricted Appraisal Update Report with Codes.pdf"]},"text":"This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nHDR-L\n\nTAB\n\nSubject Property\n\nTXR-B\n\nTXR-B\n\nPhysical Address\nCounty\nProperty Rights Appraised\n\nLegal Description\n\nH1\n\nTXC\n\nTAB\n\nOriginal Appraisal\n\nTXR-B\n\nTXR-B\n\nEffective Date of Appraisal\nOpinion of Market Value\nReasonable Exposure Time\n\nTAB\n\nAppraisal Update\n\nTXR-B\n\nEffective Date\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\nTXR-I\nTXR-B\n\nAppraiser\n\nReference ID\nOriginal Lender\n\nYes No\nHas the market value of the subject property decreased since the effective date of the original appraisal?  \n\nY/N\n\nCK\n\nH1\n\nAppraisal Update Commentary\n\nTXC\n\nH1\n\nAppraisal Update Exhibits\n\nTAB\n\nAssignment Information\n\nTXR-B\n\nBorrower Name\n\nH1\n\nContact Information\n\nH2\n\n[Role]/[Role]\n\nTXR-I\nTXR-I\n\nCompany Name\nCompany Address\n\nH2\n\nAppraiser\n\nTXR-I\n\nTXR-I\n\nTX-B\nTXR-I\nTXR-II\nTXR-II\nTXR-II\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nTXR-B\n\nTXR-B\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nCredentials\n\nTX-B\nTXR-I\n\nTXR-I\n\nID\nState\nExpires\n\nCredentials\n\nTX-B\nTXR-I\n\nLevel\nID\nState\nExpires\n\nTXR-I\nTXR-B\n\nTXR-B\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.json b/chunks/json/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.json
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index 0000000000000000000000000000000000000000..bf43d7e6ab7336907ad2b3b25068780eb4f865cd
--- /dev/null
+++ b/chunks/json/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41673,"char_start":40035,"chunk_id":"chk_d771ae84da22988a","chunk_index":24,"chunk_sha256":"c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b","token_estimate":409,"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":"2,905 Sq. Ft.\n\n2,695 Sq. Ft.\n\nVehicle Storage | Spaces\n\nDriveway | 4\nGarage | 3\n\nSimilar\n\nSimilar\n\nSimilar\n\nSimilar\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\n$0\n\n$0\n\n$3,500\n\n$1.29\n\n$3,500\n\nSimilar\n\n$1.28\n\n$3,600\n\nSimilar\n\n$1.15\n\n$3,350\n\nSimilar\n\n$1.19\n\n$3,200\n\nSimilar\n\n$3,500\n\n$3,400\n\n$3,575\n\n$3,525\n\nComparable Weight\n\nMost\n\nMost\n\nLess\n\nLess\n\nRental Analysis Commentary\n\nComparables 1 and 2 are from the subject’s community, have the same influences and amenities, and are therefore given the most weight.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 21 of 24\nPage 21 of 24\n\nRental Information (continued)\n\nRental Information Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Rental Comparable 1 photo would display.\n\nThis is where the Rental Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Rental Comparable 3 photo would display.\n\nThis is where the Rental Comparable 4 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$900,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$895,000\n$900,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-90 days\n05/23/2018\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n"}
diff --git a/chunks/json/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.json b/chunks/json/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.json
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index 0000000000000000000000000000000000000000..03c849fa3633964dde193a78a260792f4c984afc
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+++ b/chunks/json/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.json
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+{"chunk":{"char_end":29700,"char_start":28087,"chunk_id":"chk_ecb2550843e690ce","chunk_index":17,"chunk_sha256":"c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"8718 Mover Ln\nTreeville, VA 12345\n\nSale Date\n—\n\nStatus\nActive\n\n—\n\nPending\n\n08/21/2019\n\nSettled Sale\n\n06/02/2019\n\nSettled Sale\n\n07/13/2019\n\nSettled Sale\n\nReason Not Used\nProximity\nQuality\n\nComment\nInferior quality and non-similar location\n\nProximity\nQuality\n\nProximity\n\nFinished Area\nProximity\n\nFinished Area\nQuality\n\nSuperior quality and located further from subject\n\nLocated further from subject\n\nHad 5 bedrooms, but because it was larger\nand farther away, it was not used.\n\nProperty has a media room and wet bar,\nbut is larger and of superior quality.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 16 of 21\nPage 16 of 21\n\nSales Comparison Approach (continued)\n\nCheck W/KATE-\n\nNEW PAGE?\n\nSales Comparison Map\n\nThis is where the Comparable Sales Map photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 17 of 21\nPage 17 of 21\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$491,000\n\nIncome Approach\n"}
diff --git a/chunks/json/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.json b/chunks/json/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.json
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+++ b/chunks/json/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.json
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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_9d9e2bbe9eec0ac4","chunk_index":0,"chunk_sha256":"c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_81615c624eb2a17f","text_sha256":"c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Home_Loan_Bank_Stress_Tests_For_Market_And_zt81xk.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/fhlb-stress-tests\"\ndate_accessed: \"2026-01-27T17:54:20.630Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.json b/chunks/json/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.json
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index 0000000000000000000000000000000000000000..acf9610e7220f66298f41b01c99b6f3b5ae93ecf
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+++ b/chunks/json/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":325512,"char_start":323781,"chunk_id":"chk_a22b33e627c10c38","chunk_index":187,"chunk_sha256":"c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c","token_estimate":433,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n\n29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nSupervisory Appraiser Certifications\n\nThe Supervisory Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n"}
diff --git a/chunks/json/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.json b/chunks/json/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.json
new file mode 100644
index 0000000000000000000000000000000000000000..06c50de082cdc094cec039ca41aebfdd12018a14
--- /dev/null
+++ b/chunks/json/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15878,"char_start":14256,"chunk_id":"chk_66fd23bf3b36bbc0","chunk_index":8,"chunk_sha256":"c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"[Click here to learn more about Natural Disaster-Related Fraud Schemes and Prevention Tips](/programs/fraud-prevention/natural-disaster).\n\n## Types of Housing Finance Fraud Schemes\n\nUnderstanding the different types of fraud schemes is important to detect mortgage fraud. The below defines types of housing finance fraud schemes.\n\n#### Prospective Borrower Fraud (fraud committed by borrowers in obtaining mortgage financing for home purchases)\n\n**Application Fraud**– A borrower may intentionally supply false information about income or identity in support of a mortgage application. These instances of fraud may be related to fraud for housing by a borrower or fraud for profit schemes.\n\n**Credit/Liabilities** – Mortgage rates and the decision to extend a loan to a borrower are heavily dependent on the applicant’s credit and current debt liabilities. Fraud may include borrower misrepresentation of credit score and/or amount of debt to qualify for a loan or for favorable loan terms.\n\n**Employment Fraud** – This fraud occurs when a borrower or straw buyer misrepresents his or her employment to the lender. The fraud may be committed to make the borrow appear more financially qualified for the loan or to conceal the illegal source of future loan payments.\n\n**Fraudulent Identity/Identity Theft/Synthetic Identity** – This fraud occurs when misappropriated identification credentials are used by an individual otherwise ineligible for a mortgage loan or as part of a fraud for profit scheme. Fraudsters may also create synthetic identities using bits and pieces of valid information from disparate sources.\n"}
diff --git a/chunks/json/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.json b/chunks/json/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.json
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+{"chunk":{"char_end":9146,"char_start":8614,"chunk_id":"chk_ac227d58610af3ee","chunk_index":11,"chunk_sha256":"c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294","token_estimate":407,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TAB-TX – Italic Text above TAB Rule ................................................................................................................... 22\n\nH1-TX – Italic Text in H1 (Gray Bar)..................................................................................................................... 22\n\nAppendix E: Report Style Guide\n\nPage 4 of 90\n\nVersion 1.4\n\nTXC – Commentary Text ..................................................................................................................................... 22\n"}
diff --git a/chunks/json/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.json b/chunks/json/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.json
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diff --git a/chunks/json/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.json b/chunks/json/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.json
new file mode 100644
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+++ b/chunks/json/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.json
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+{"chunk":{"char_end":1719,"char_start":0,"chunk_id":"chk_742b5ed4d6ab3dcf","chunk_index":0,"chunk_sha256":"c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8cd058ee3404bf51","text_sha256":"c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Statements___FHFA_1jeous.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/statement\"\ndate_accessed: \"2026-01-27T17:47:50.507Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.json b/chunks/json/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.json
new file mode 100644
index 0000000000000000000000000000000000000000..73ca5b7090828ea48cd6b1f116520a632424014a
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+++ b/chunks/json/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.json
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+{"chunk":{"char_end":943479,"char_start":941866,"chunk_id":"chk_8d8fd324403d5002","chunk_index":561,"chunk_sha256":"c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Rooms Below Grade\n(Line 2)\n\nGSE Below Grade\nRecreation Room\nCount\n\nThe number of recreation rooms below\ngrade.\n\n437\n\n3\n\ne-22\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nBedroom Room\nCount\n\nThe number of bedrooms below grade.\n\n438\n\n3\n\ne-23\n\nSALES\nCOMPARISON\nAPPROACH\n\nRooms Below Grade\n(Line 2)\n\nGSE Below Grade\nBathroom Room\nCount\n\nThe number of bathrooms below grade.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeRecreationRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBedroomRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount\n\n6\n\n10\n\n5\n\n5\n\n12\n\n10\n\n1\n\n1\n\n3\n\nFormat\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Gross Living Area Only\nGross Living Area (GLA) must be reported in square feet.\n"}
diff --git a/chunks/json/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.json b/chunks/json/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.json
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index 0000000000000000000000000000000000000000..be3a08a99785488879c24d99f6ab8d356fd0df2b
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+++ b/chunks/json/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.json
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+{"chunk":{"char_end":173199,"char_start":171199,"chunk_id":"chk_8f8703c7fdb35a93","chunk_index":97,"chunk_sha256":"c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85","token_estimate":500,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"See Fannie Mae and Freddie Mac Uniform Appraisal Dataset Specification, Appendix F-1: URAR Reference Guide.\n\nListing History\n\nThe appraiser needs to research and report at a minimum, the prior 12 months listing history of the subject property. The\nappraiser must report the following information:\n\nListing status\nListing type\nListing ID\nStart date\nEnd date\n\n•\n•\n•\n•\n•\n• Days on market (DOM)\n•\nStarting list price\n• Current or final list price\n•\n\nTotal days on market (TDOM)\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 73 of 166\n\nUAD 3.6 Policy\n\nIf the subject property is currently or previously listed within the timeframe noted above, the appraiser must provide an analysis\nof the subject property listing history and include comments and exhibits. For example, if the subject property is currently listed\nfor sale and was previously listed eight months ago, the appraiser must report on both offerings.\n\nSales Contract\n\nThe lender must provide the appraiser with a copy of the complete, ratified sales contract. The appraiser must indicate whether\nan analysis was or was not performed on the sales contract for the subject property purchase transaction. If an analysis was\nperformed, the appraiser must provide the results of the analysis and include comments and exhibits. If an analysis was not\nperformed, the appraiser must provide an explanation of why the analysis was not performed and include a description of the\nappraiser’s source of information about the sales transaction, efforts made to obtain the sales contract, and why the sales\ncontract was not provided.\n\nThe appraiser must indicate if there is any financial sales concessions to be paid by or on behalf of the seller as an inducement to\npurchase the subject property, including both monetary and non-monetary items, such as any closing costs, down payment\nassistance, payment of property taxes, HOA dues for a period of time, and gifts of personal property. If there is financial sales\nconcessions, the appraiser must\n"}
diff --git a/chunks/json/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.json b/chunks/json/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.json
new file mode 100644
index 0000000000000000000000000000000000000000..c0459738d2fdf3e858d442cd95ba581d22a75484
--- /dev/null
+++ b/chunks/json/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":15306,"char_start":13624,"chunk_id":"chk_793b2abf65da1ee4","chunk_index":7,"chunk_sha256":"c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147","token_estimate":421,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"o Reference published guidelines by the GSEs, government agencies, or other identified secondary\n\nmarket participants for specific guidance as to when a photo or image is required.\n\nNotes:\n• The same photo can be identified and displayed in more than one section.\n• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset.\n\no Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to\n\nthe iGuide or UAD Spec for more information.\nSection\nName\n(Black Tab)\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n\nIs there an Additional\nCaption\n(Free-form Text)?\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\nYes\n\nPhoto at the top of the section\n(identified as Property Photo)\n\nSection\n#\n\n01\n\n07\n\nSubject\nProperty\n\nCompletion\nReport\nExhibits\n\nLegal Description\n\nItemized List of Repairs –\nFeature\nExample: Roof\nNew Observed Items for\nRepair – Feature\nExample: Roof\n\nCompleted Construction\n\nInconsistent Item –\nFeature\nExample: Flooring\n\nDwelling Front\n\nDwelling Rear\n\nMay be provided to further\nidentify the image\n\nIf Legal Description\n01.003 is not provided\n\nSee 01.003\n\nMay be provided to further\nidentify the photo or image\n\nMay be provided to further\nidentify the photo or image\n\nMay be provided to further\nidentify the photo or image\n\nMay be provided to further\nidentify the photo or image\n\nMay be provided to further\nidentify the photo or image\nMay be provided to further\nidentify the photo or image\n\nYes\n\nYes\n\nIf Construction Complete\n05.001 is Yes\nIf Construction Consistent\nwith Original Plans and\nSpecs 05.002 is No\nIf required by client or\nscope of work\nIf required by client or\nscope of work\n"}
diff --git a/chunks/json/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.json b/chunks/json/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.json
new file mode 100644
index 0000000000000000000000000000000000000000..ed471e169ffb21ba54f1f857b768188010c6d740
--- /dev/null
+++ b/chunks/json/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":46936,"char_start":45321,"chunk_id":"chk_6ef6dfa4c4dcb621","chunk_index":30,"chunk_sha256":"c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"</LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <ADDRESS>\n\n<AddressLineText>ABC Address</AddressLineText>\n\n</ADDRESS>\n <EMPLOYMENT>\n <EmploymentMonthlyIncomeAmount>1400</EmploymentMonthlyIncomeAmount>\n <EmploymentStatusType>Current</EmploymentStatusType>\n </EMPLOYMENT>\n <EMPLOYER SequenceNumber=\"2\" xlink:label=\"EMPLOYER_2\">\n <LEGAL_ENTITY>\n <LEGAL_ENTITY_DETAIL>\n\n<FullName>Consulting Inc.</FullName>\n\n</LEGAL_ENTITY_DETAIL>\n </LEGAL_ENTITY>\n <ADDRESS>\n\n<Address>123 Address</Address>\n\n</ADDRESS>\n <EMPLOYMENT>\n <EmploymentBorrowerSelfEmployedIndicator>true</EmploymentBorrowerSelfEmployedIndicator>\n <EmploymentMonthlyIncomeAmount>950</EmploymentMonthlyIncomeAmount>\n <EmploymentStatusType>Current</EmploymentStatusType>\n </EMPLOYMENT>\n </BORROWER>\n <ROLE_DETAIL>\n <PartyRoleType>Borrower</PartyRoleType>\n </ROLE_DETAIL>\n </ROLE>\n </ROLES>\n </PARTY>\n </PARTIES>\n :\n :\n <RELATIONSHIPS xsi:type=\"RELATIONSHIPS\">\n <!-- Linking First Borrower's Current Employer to Income -->\n <RELATIONSHIP SequenceNumber=\"1\" xlink:from=\"CURRENT_INCOME_ITEM_1\" xlink:to=\" EMPLOYER_1”\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER\"/>\n\n<RELATIONSHIP SequenceNumber=\"2\" xlink:from=\" CURRENT_INCOME_ITEM_2\" xlink:to=\" EMPLOYER_1\"\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER”/>\n <!—Linking First Borrower’s Current Second Employer to Income -->\n <RELATIONSHIP SequenceNumber=\"3\" xlink:from=\"CURRENT_INCOME_ITEM_3\" xlink:to=\"EMPLOYER_2\"\nxlink:arcrole=\"urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_ISASSOCIATEDWITH_EMPLOYER”/>\n"}
diff --git a/chunks/json/c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4.json b/chunks/json/c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4.json
new file mode 100644
index 0000000000000000000000000000000000000000..0b53e11bcb2b134f3f1ac61ea57daa24a79e14dd
--- /dev/null
+++ b/chunks/json/c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":57182,"char_start":55378,"chunk_id":"chk_50cdc7c9e818c2c6","chunk_index":37,"chunk_sha256":"c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"c97865b1cceb327b3c04e1405681a009664d45684be6187b78a743324160dfe4","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Subordinate Liens beyond the second position need to be designated as “Other” under the\nLienPriorityType for DU.\n\n4c. Rental Income on the Property You want to Purchase\n\nIf the subject property is a 2-4 Unit Primary or Investment property that the borrower is purchasing, the\nborrower will provide an estimate of expected monthly rental income. Lenders will calculate a net rental\nincome. (Note that rental income on a property the borrower already owns is entered in section 3.a.)\n\n4d. Gifts or Grants You Have Been Given or Will Receive for this Loan\n\nBorrowers who receive gifts and/or grants for the loan, must indicate the amount or market value and the\nparty that provided it. (If the gift or grant has been deposited into an asset account of the borrower, e.g.,\nchecking account, then the amount of the gift is included in that asset account in addition to this section.)\n\nSection 5: Declarations\nAlmost all the declarations related to the Property and the Borrower’s finances must be answered on the\nredesigned Form 1003. The DU Spec does not capture any declaration explanations and therefore they do\nnot need to be included in the Loan Application Submission file.\n\nSection 6: Acknowledgements and Agreements\nFHA loans require the date that the signature was executed to be included in the Loan Application\nSubmission file. The signature date is optional for Conventional and VA loans.\n\nThe redesigned Form 1003 includes a section for the borrower’s signature; however, the Loan Application\nSubmission file will only be populated with the date the loan application was signed. Lenders are not\nrequired to send a copy of the loan application in PDF but may be required to store a copy of the signed\napplication in the loan file depending on the loan type and investor/insurer/guarantor policies.\n"}
diff --git a/chunks/json/c98976be90ec24f0ac5d195788ec1b6f1bcd0268e767363759c707395198e6d8.json b/chunks/json/c98976be90ec24f0ac5d195788ec1b6f1bcd0268e767363759c707395198e6d8.json
new file mode 100644
index 0000000000000000000000000000000000000000..ae722e47a1484053c97a8058d9091c3a7e571ec1
--- /dev/null
+++ b/chunks/json/c98976be90ec24f0ac5d195788ec1b6f1bcd0268e767363759c707395198e6d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17019,"char_start":16527,"chunk_id":"chk_ab0b0659a330e07a","chunk_index":17,"chunk_sha256":"c98976be90ec24f0ac5d195788ec1b6f1bcd0268e767363759c707395198e6d8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"c98976be90ec24f0ac5d195788ec1b6f1bcd0268e767363759c707395198e6d8","token_estimate":466,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"ROLE Element ............................................................................................................................................................................................................................. 43\n\nImage Data ............................................................................................................................................................................................................................................... 48\n"}
diff --git a/chunks/json/c9a302893fb97f5cc8e34c3111261e3609a45b09f0dabe2c103323965598bb89.json b/chunks/json/c9a302893fb97f5cc8e34c3111261e3609a45b09f0dabe2c103323965598bb89.json
new file mode 100644
index 0000000000000000000000000000000000000000..e109612422028f668f5965a35f3c9e4020f526ed
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+++ b/chunks/json/c9a302893fb97f5cc8e34c3111261e3609a45b09f0dabe2c103323965598bb89.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":12081,"char_start":10478,"chunk_id":"chk_a2893454dcdb677f","chunk_index":6,"chunk_sha256":"c9a302893fb97f5cc8e34c3111261e3609a45b09f0dabe2c103323965598bb89","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"c9a302893fb97f5cc8e34c3111261e3609a45b09f0dabe2c103323965598bb89","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Survey_of_Mortgage_Originations__NSMO__Pu_or78e.md"]},"text":"The original NSMO public use file was published on November 8, 2018, containing mortgages originated from 2013 through 2016. It was first updated on February 20, 2020, containing mortgages originated through 2017. Subsequent updates were published on July 29, 2021 (containing mortgages originated through 2019), on December 13, 2022 and March 3, 2023 (both containing mortgages originated through 2020), and on July 1, 2024 (containing mortgages originated through 2021).\n\nIf you would like to sign up to receive email notifications when the NSMO data or documents are updated, please enter your email in the “Want to Subscribe\" section on the bottom of the page.\n\n## Da​taset\n\nThe Public Use File (PUF) is available in several formats including CSV, JSON, R, SAS, Stata, and XML. By ​downloading and using the following data files, you are acknowledging​ that you have read and agreed to the [Notice of Monitoring and Terms of Service](/data/nsmo/puf)​.\n\n[Link to Public U​se File​](/data/nsmo/puf) (10/24/2025)\n\n## Code\n\n[SAS Labels](/document/nsmo_v60_labels.sas) (10/24/2025)\n\n[SAS Formats​](/document/nsmo_v60_formats.sas) (10/24/2025)\n\n## Documentation\n\n[NSMO Technical Documentation​](/document/nsmo-technical-report-v60.pdf) (10/24/2025)\n\n[Codebook and Unweighted Tabulations​](/document/nsmo-appendix-c-v60.pdf) (10/24/2025)\n\n[Select Weighted Tabulations, 2013-2023​](/document/nsmo-appendix-d-v60.pdf) (10/24/2025)\n\n## Questionnaires\n\n[Waves 41 to 44 (2024 Quarters 1 to 4)](/document/nsmo-questionnaire-wave-41-to-44.pdf)\n\n[Wave 40 (2023 Quarter 4)](/document/nsmo-questionnaire-wave-40.pdf)\n"}
diff --git a/chunks/json/c9a35b0f4879b59565c220fca698e873009fccf305a203022a682faed6f9bfff.json b/chunks/json/c9a35b0f4879b59565c220fca698e873009fccf305a203022a682faed6f9bfff.json
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index 0000000000000000000000000000000000000000..8eb05580abeb0c643873b6e4e9db59559bf4b3c8
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+{"chunk":{"char_end":8106,"char_start":6488,"chunk_id":"chk_88bdd2fe025ad1df","chunk_index":4,"chunk_sha256":"c9a35b0f4879b59565c220fca698e873009fccf305a203022a682faed6f9bfff","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"c9a35b0f4879b59565c220fca698e873009fccf305a203022a682faed6f9bfff","token_estimate":405,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"APN Description\nLand with Dwelling\n\nParcel Size\n14,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR-01\nResidential - Single Family\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\nSite Influence\n\nInfluence\nResidential\n\nProximity\nBordering\n\nDetail\n\nImpact\nNeutral\n\nComment\nSubject and all comparables\nare located in a residential\narea.\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\nElectricity\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\nPrivate\n\n\nDetail\nSolar\n\n\n\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Exhibits\n\nImpact\n\nComment\n\nPrivate Utility\nImpact\nNeutral\n\nComment\nSubject has solar power but has also maintained\nconnection to public electrical lines.\n\nProperty Access (Street Scene)\n\nSite Influence - View - Residential\n\nThis is where the Property Access photo would display.\n\nThis is where the Residential View photo would display.\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 22\nPage 4 of 22\n\nEnergy Efficient and Green Features\n\nRenewable Energy Component\nSolar\n\nOwnership\nLeased\n\nKnown Building Certifications\n\nNone\n\nGreen/Energy Efficiency Rating\nOrganization\nRESNET\n"}
diff --git a/chunks/json/c9a74af6549f315dd02a23bb9c1b8706909aa2804dba5248d6340f10401206e3.json b/chunks/json/c9a74af6549f315dd02a23bb9c1b8706909aa2804dba5248d6340f10401206e3.json
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index 0000000000000000000000000000000000000000..a9ed0a056f9f03c1b89a22c84c6f4db618930358
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+++ b/chunks/json/c9a74af6549f315dd02a23bb9c1b8706909aa2804dba5248d6340f10401206e3.json
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+{"chunk":{"char_end":6533,"char_start":4915,"chunk_id":"chk_98d89f451f84e04f","chunk_index":3,"chunk_sha256":"c9a74af6549f315dd02a23bb9c1b8706909aa2804dba5248d6340f10401206e3","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"c9a74af6549f315dd02a23bb9c1b8706909aa2804dba5248d6340f10401206e3","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf"]},"text":"Heating/Cooling (if not ADU)\n\n12.008-12.009\n\nYes/No\n\nUtilities\n\n12.010\n\nThe utilities that have been extended to the outbuilding.\n\nMechanical System Details (if ADU)\n\n12.014-12.017\n\nSubject Property\nAmenities\n\nAmenity Detail\n\n14.004\n\nHeating/Cooling System Type | Heating System Fuel, Other\nMechanical Systems (Radon Mitigation, Sump Pump…)\n\nAmenity Count | Area (e.g., measured size of porch, deck,\npatio)\n\n3\n\nSection Name\n(Black Tab)\n\nWhen Physically Inspecting the Property\n\nData Description (Not all enumerations have been included.\nRefer to the Reference Guide for all enumerations.)\n\nDefects, Damages, and Deficiencies are captured as\ndiscrete data in the following sections, including\nphotos of physical defects:\n\nVarious Sections\nfor Defects,\nDamages, and\nDeficiencies\n\nSite\n\nDwelling Exterior\n\nUnit Interior\n\nOutbuilding\n\nVehicle Storage\n\nSubject Property Amenities\n\n4.100-4.104\n\n8.056-8.060\n\n10.056-10.060\n\n12.020-12.024\n\n13.005-13.009\n\n14.006-14.010\n\nFor all Defects, Damages, and Deficiencies Sections:\n\nFeature | Location | Description | Affects Soundness or\nStructural Integrity (Yes/No) | Recommended Action\n(Completion, Inspection, Repair, None)\n\nSection Name\n(Black Tab)\n\nWhen Researching and Completing the URAR\n\nData Description (Not all enumerations have been included.\nRefer to the Reference Guide for all enumerations.)\n\nProperty on Native American Lands\n\n3.014\n\nYes/No\n\nSubject Site Owned in Common\n\nHomeowner Responsible for all\nExterior Maintenance of Dwelling(s)\nAll Rights Included in Appraisal\n\nRights Not Included\n\nWater Frontage with Private Access\n\nTotal Linear Measurement\nAccess Depth\n"}
diff --git a/chunks/json/c9aa3817ae2177c0cb413d4929a4b812ed38f3dac808a9cacebf1150f14c55e4.json b/chunks/json/c9aa3817ae2177c0cb413d4929a4b812ed38f3dac808a9cacebf1150f14c55e4.json
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index 0000000000000000000000000000000000000000..e2949eeda6c333984d81095692f0ddd1b2ce2be1
--- /dev/null
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@@ -0,0 +1 @@
+{"chunk":{"char_end":41912,"char_start":40255,"chunk_id":"chk_cdd9f1aaf041f76d","chunk_index":27,"chunk_sha256":"c9aa3817ae2177c0cb413d4929a4b812ed38f3dac808a9cacebf1150f14c55e4","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"c9aa3817ae2177c0cb413d4929a4b812ed38f3dac808a9cacebf1150f14c55e4","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Figure 12. Using Endpoints and an Arcrole To Define a Relationship\n\nRELAT IONSHIP BET WEEN A EXPENSE AND T HE ASSOCIAT ED BORROWER\n\nThe following example provides details about the xlink arcrole relationship needed to define a data\nrelationship between an expense and the borrower associated with that expense.\n\nThe figure below (Figure 13) shows an example of an expense that will be linked to the associated borrower\nthat is responsible for that expense. Note some expenses will have multiple borrowers with relationships to\nthem indicating more than one borrower is responsible for that expense.\n\nEXPENSE And ROLE Containers Identifying Endpoints\nOf Relationships\n\nEXPENSES\n EXPENSE\n\nSequence Number = “1”\n xlink:label = “EXPENSE_1”\n ExpenseMonthlyPaymentAmount = 1000\n ExpenseType = ChildCare\n\nPARTIES\n PARTY\n\nINDIVIDUAL\n NAME\n FirstName = John\n LastName = Smith\n\nROLE\n\nSequence Number = “1”\n xlink:label = “BORROWER_1”\n ROLE DETAIL\n\nParty Role Type = Borrower\n\nFigure 13. Establishing Endpoints of Relationship\n\nThe table below (Table 13) shows the endpoints that will makeup the xlink arcrole relationship for the\nrelationship.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 25 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nCONTAINER\n\nXPath For Container\n\nEXPENSE\nROLE\n\nDEAL/EXPENSES/EXPENSE\nDEAL/PARTIES/PARTY/ROLES/ROLE\n\nTable 13. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n1\n1\n\nXlink:label\n\nEXPENSE_1\nBORROWER_1\n\nThe table below (Table 14) shows a breakdown of the detailed components of the relationship used to\nrelate a related expense to a borrower for that loan.\n"}
diff --git a/chunks/json/c9c2496753d518fe5fd1438b9b4048d90627ac38515d48e7675be025ff5272ee.json b/chunks/json/c9c2496753d518fe5fd1438b9b4048d90627ac38515d48e7675be025ff5272ee.json
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index 0000000000000000000000000000000000000000..036580c47858f1e9e0d4a9967126813a9157cd52
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@@ -0,0 +1 @@
+{"chunk":{"char_end":159702,"char_start":158097,"chunk_id":"chk_a48ed6bae237194a","chunk_index":87,"chunk_sha256":"c9c2496753d518fe5fd1438b9b4048d90627ac38515d48e7675be025ff5272ee","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"c9c2496753d518fe5fd1438b9b4048d90627ac38515d48e7675be025ff5272ee","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"/IntegratedDisclosureCashToCloseItemFinalAmount>\n\n<IntegratedDisclosureCashToCloseItemType>PayoffsAndPayments</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>5322.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n<IntegratedDisclosureCashToCloseItemType>ClosingCostsFinanced</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemAmountChangedIndicator>true<\n\n/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>\n\n<IntegratedDisclosureCashToCloseItemChangeDescription>See details in Sections K & L<\n\n/IntegratedDisclosureCashToCloseItemChangeDescription>\n\n<IntegratedDisclosureCashToCloseItemEstimatedAmount>24901.00<\n\n/IntegratedDisclosureCashToCloseItemEstimatedAmount>\n\n< IntegratedDisclosureCashToCloseItemPaymentType>ToBorrower<\n\n/ IntegratedDisclosureCashToCloseItemPaymentType>\n\nUCD v2.0 Implementation Guide\n\n- 68 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 48. XML Snippet - Example of Cash to Close Data for a Refinance.\n\n<IntegratedDisclosureCashToCloseItemType>CashToCloseTotal</IntegratedDisclosureCashToCloseItemType>\n\n</CASH_TO_CLOSE_ITEM>\n <CASH_TO_CLOSE_ITEM>\n\n<IntegratedDisclosureCashToCloseItemFinalAmount>29677.00</IntegratedDisclosureCashToCloseItemFinalAmount>\n< IntegratedDisclosureCashToCloseItemPaymentType>ToBorrower<\n\n/ IntegratedDisclosureCashToCloseItemPaymentType>\n\n<IntegratedDisclosureCashToCloseItemType>CashToCloseTotal</IntegratedDisclosureCashToCloseItemType>\n"}
diff --git a/chunks/json/c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f.json b/chunks/json/c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f.json
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@@ -0,0 +1 @@
+{"chunk":{"char_end":3230,"char_start":1626,"chunk_id":"chk_812b832fed033620","chunk_index":1,"chunk_sha256":"c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f","token_estimate":401,"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":"• Cost Approach\n\no Land Comparables\n\n▪ Subject’s prior land sale was used as a comparable\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.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n123 ANYWHERE ST, SOMECITY, TN 12345\n\nSUMMARY\n\nOpinion of Market Value\n\n$275,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nListing Status\n\nProperty Description\n\nConstruction Method\n\nAttachment Type\n\n03/14/2022\nRefinance\nJohn Doe\nJane Doe\nJohn Doe\nJane Doe\nNone\n\nManufactured\nSite Built\nDetached\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n\nOverall Quality\nOverall Condition\n\nQ3\nC2\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nLegal\nZoning Compliance\nHUD Data Plate Attached\nYes\nHUD Label Present for All Sections Yes\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nNone\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n"}
diff --git a/chunks/json/c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e.json b/chunks/json/c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e.json
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index 0000000000000000000000000000000000000000..25c3b5df984df6573cd60285840474abb601b30b
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@@ -0,0 +1 @@
+{"chunk":{"char_end":32623,"char_start":30937,"chunk_id":"chk_ba0918c364b1ec71","chunk_index":19,"chunk_sha256":"c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Document Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nIs there any financial assistance (loan\ncharges, sale concessions, gift or down\npayment assistance, etc.) to be paid by any\nparty on behalf of the borrower?\nThe appraiser must indicate ‘Yes’ or ‘No’ if the\n“Assignment Type” is a purchase transaction.\nIf ‘No’ is selected, enter the numeral zero (0)\nin the dollar amount field.\n\nReporting Format:\nIs there any financial assistance (loan\ncharges, sale concessions, gift or down\npayment assistance, etc.) to be paid by any\nparty on behalf of the borrower? – Checkbox\ndesignated with an ‘x’\n\nIf ‘Yes’ is selected, enter the total dollar\namount of all financial assistance (loan\ncharges, sale concessions, gift or down\npayment assistance, etc.) paid by any party\non behalf of the borrower, including any\nclosing costs or other payments from the\nseller or other third party. If the appraiser is\nnot able to determine a dollar amount for all or\npart of the financial assistance, the number\nmust reflect the total known dollar amount.\nLeave this field blank if the entire financial\nassistance amount is unknown. If there is any\nunknown financial assistance amount, the text\n‘There is a financial assistance amount that is\nunknown’ will appear in this field. Next, the\nappraiser must provide a description of the\nitems being paid.\n"}